Financial Audit - She's Destroying Their Marriage | Financial Audit

Episode Date: August 26, 2026

*SHE'S FULLY THREATENING TO DIVORCE HIM* in the post-show. This relationship is sooo toxic and crazy; you need to see this. Watch the post-show here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual) 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join ============================= *Caleb Hammer Financial Resources* ============================= 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2 👉 Find and compare much better AND cheaper car insurance for free → https://www.moneylion.com/network/hammer-media/auto-insurance/search 👉 Finally experience relief from your debt once and forall → https://www.moneylion.com/network/hammer-media/debt-relief/explore ============================= 🔥 MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving!! Get 10% off your entire order with code CALEB - https://hamr.link/calebdrank 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz ============================= *Sponsors for This Video* ============================= You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer If you or someone you know experienced serious mental health struggles as a result of social media use, you may be entitled to a potential recovery of over $1,000. Visit https://morganmorganpa.sjv.io/c/7273707/3841482/23429?sharedid=caleb-hammer to submit a claim now. ============================= *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://calebhammer.com/master-your-debt ============================= *Extra Resources* ============================= 👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer 👉 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 01:50 Jobs & Income 07:40 brother is bringing in good money and its still not good enough... 16:35 yeah i'd get a job that doesnt have me coming home every day too, shes exhausting LMAO 28:45 is she not coming off as a b*tch, chat? 37:05 okay shes being pretty valid, bro just needs to listen 45:55 thats a lot of women on his phone... 53:51 broke said shes too broke to go anywhere LMAAOO 55:16 688%???? 01:05:46 shes f*cking crazy looool 01:15:31 payday loan for world of warcraft lmaao 01:27:43 sending in statements isnt that hard btw :slightly_smiling_face: 01:29:16 bullsh*t bullsh*t bullsh*t ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel 🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos ============================= *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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I got arrested over it. She got you arrested? Yeah. Over having, find my phone on. And she immediately called the cops? Yeah. Oh, my. Check on me.

Once again, his communication is shit. Okay, what are the issues then? He doesn't do anything that I ask him to do. I try and try and try. And that's the only way I get heard is if I lose my mind. Why are you with her? The dynamics is good? Is it?

You don't really seem to care, which is good? kind of crazy. Like, I don't know. Really, the only thing would, it would be like an ultimatum, her leaving, but I don't think she cares enough to leave. I don't think she could afford to anyway. What are you trying to say? It's been 11 years and you haven't figured it out now. Otherwise is finally here, sending waves to the personal finance world. This is officially now the best budgeting app on the market. And I'm giving you a special deal to download, get a free trial to test it out. And then you get the monthly plan at a 33% discount for the first three months or the annual plan at an insane discount. And most people sign up for

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I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, will have a great time hanging out. Go to Calebhammer.com slash apply or click that link in the description below. Hi, I'm Taylor. I'm 35. I'm Cam 34. We're from Central Arkansas.

And this is financial audit. Yes, it is. Thanks for coming over. Taylor, what do you do for living in the Central Arkansas? I work from home processing workers' comp claims and basically feel like a single mom living there because he's gone all the time on a boat. I work on a boat. Oh, okay.

Well, that would explain why you're on a boat. Yeah. Offshore. Hold on. I'm not asking you any questions, but I'm glad you're excited to talk. I still need to know what you're making. Because you didn't let me answer that. You immediately started talking about him when I was just talking about you.

Yes, in your job, the job that you work from home, you made sure to clarify that you work at home. I work part time right now. I make like... From home! Yes. $400 every two weeks. Because, you know, being at home is. overwhelming.

Me. Is it? Yeah. Not maybe not just that, but everything else, yes, definitely feel really overwhelmed and all by myself. All the time. That was the right thing to do, Peter. I think I would also abandon the house quite frequently if this is what it's like at home. Okay.

How much part time is part time? Because that's very part time to only get 800 bucks a month. 20 hours. a week. So $15 an hour. That's... So something's really built up, hasn't it? Because you're really just kind of coming out of the gate with this. You didn't even let me ask what's going on. You're just like, okay, here's my chance to just be a... Okay.

Yeah, I work on my phone. I'm going to guess you work... 12 hour days. On a boat, right? 19 hour days. Yeah, on a boat. Okay, Cam. Yeah, tell me about this boat. Go ahead and just say the stuff you just said again. So I work inland. We go like pretty much Texas to Louisiana, back and forth, moving. Doing what? Moving like crude oil pretty much. Okay. What are you? What's your job? So I'm a tankerman. I load and discharge barges. And I just went to school to get my pilot license. So I'm working on get my pilot license right now. Really? Really? Yeah. Be driving the boats instead of. Oh, that kind of pilot. Right. Right.

I was going to say I would not appreciate if you walked on a plane that I was on and then piloted it. That's my credo. No regrets. Okay. What do you make in this job? So I don't make hourly. I make day rate. Okay.

And my day rate is 385 right now. Sure. So what does that come down to monthly? Your average month. So it's kind of, I work. Your average quarter? Well, okay, so I work... Average year.

28 days on, 14 days on. That's wonderful. What do you mean? So it changes every month. Great. That's why I said, what, how much a year? A year? Roughly like 110,000.

Wow. We're complaining about that. That's interesting. You know, these people that go when they go work on the all fields out in West Texas? Are those that go work in the golf on the rig? Or those that are, you know, out there working in the fishing boats and doing things? things like he does, you know, they make a lot of money. And the reason is is because, yeah, a lot of people don't want to be from home.

But then they do it and they make a lot of money. And that's what he's doing. Oh, I definitely appreciate the money. But being home and working 24-hour shifts with everything else that has to be taken care of. You get the money with the job. How do you think money comes? Stop smacking your lips. How do you think money comes?

I mean, it has to come from your lips. Do you have a drink of water? I do. Let's consume a lot of that. She's even smacking it just like smiling. That's crazy. Okay, great. I mean, you're killing it, dude.

Is that what hits your account on a yearly basis, 10010? Or is that before taxes? That's before taxes are taken out. So what are we going to think? Like 75 maybe? Okay, so. Yeah, 7580. So probably just averaging like $62,000 or sorry, $6,250 a month.

Obviously, yes, I'll get down. I get it. So, okay, I really need to internalize this. Maybe even like drop for myself because I'm low. break down your time away from home and then time at home because clearly that is an issue to this thing. So I work 28 days on the boat 14 days at home. Love it.

That's it. But I ride over a lot. So like I'll do, we call them hitches. I'll do usually like sometimes two hitches. So I'll be gone for like 28 days, my 14 days off and another 28 days. You said say at home mom. That sounds like children. I do have two children. Very good. Ages.

Well, one's almost... Not smacking your fucking lips. What is actually wrong with you? No, it's not. It's actually not. When I talk, I'd have gone before everything I say. I don't even notice that I'm doing it. Well, you're doing it.

Well, I will try. Oh my God, I did it again. One is almost 16. We'll be in November. The other one. Did you make that one? No. Oh.

Well, that's not his fault for having this job. No. The second one is, though, she will be 10 in a few months. And you made that one? Yes. At 24? 25. You're 34?

Originally. I'll be, okay, so her birthday is in November. I mean, December. Okay, that's fine. Close. Was he doing this job when you had the 10-year-old? No. What was he doing?

Working at AT&C as a call center. What job would you prefer he had? That's hard. What job would you prefer he had? What job perhaps would you prefer he had? I guess this one, unfortunately, because the fuck are you? What are we doing? Wayne. Bro literally goes and grinds his

fucking ass for 28 days. And then he has to hear you're bitching and moaning about how he's not there for the next 14 when he's home. Yeah, because he only has one job when he's gone. The boat. I have 37 other things I have to take care of by myself while he's gone. Not talking to me half the time. So the alternative is he can get a lower paying job at home. Yeah, but he doesn't want to do that either. Do you want

him to do that? He ain't going to listen to me. Does it matter? Do you want that? Given the choice, do you want that? At this point, it would be really hard, but yeah, I mean, it would be nice to have some help at home. With less money. Yeah, that would make it hard. With less money? No, I don't need less money. Okay. So you are okay with it then. This is what you are choosing.

Not necessarily choosing, but don't really have any other choice in Arkansas. No, no, no, no, no, no. Because you're an impossible person to work with. I already know people like you. You're impossible. You want him to make more money, but you want him to have the job where he doesn't make as much money. So that he can do all these things.

She's mad because she thinks, like I make in one day when she makes in two weeks. Pretty much. You're jealous? It's a jealousy thing? I just feel a little bit pointless. Why do you think it's a jealousy thing?

Well, yeah. I mean, you make $800 a month. Yeah. I mean, she was full time and then just went part-time, like, recently. Yeah, I was going to say, we're not taking care of infants at home. When she said,

said stay-at-home mom. I thought she was, like, raising a couple, like, two and three-year-olds. No. No, you got to, dude, they're basically, a 10-year-olds, basically. They take care of themselves. They really do. And also, they go to school, the vast majority of the year. I mean, yeah, they have a lot of extracurricular activities.

There's no programs. It's Charlott, I mean, not to. Send them to summer camp. What do you think? You're all Christian, and I'm not really about that was. That's also just not true. You can go to any summer camp anywhere. You guys make good money.

could fly them to any summer camp you want to. They go get touched by a theater person and interlocking. Don't think they want to do that. Is it their choice? Six-year-old, they don't really care. Six-year-old, like, yeah, at that point, yeah, dudes fucking make that piece of shit, go get a job. Yeah.

But, like, the 10-year-old, yeah, something to cat. I don't understand. What is the stay-at-home mom thing at this point? You're driving them to some activities here and there? Okay, great. That's wonderful. What? This is not a three-year-old.

old. What are we talking about here? I mean, there's a lot that goes into being a parent. No one says there isn't, but the way you're making it sound like they're newborns. And this is not there. No, just a lot of responsibility that's all on me that he's never there. Okay, how much for the 16 year old, though? I mean, he has banned that he, we're talking about when school's in session, though. Yeah, I did ban to 16. I drove myself to band. Well, he hasn't gotten to that point yet. He's not 16 until November, so it's been all on me. Why did you say 16? I said, All the 15? First of all, I drove at 15.

Like, half the time he's in his dad's house. Half the time he's in our house. If he's choosing not to, then he doesn't get to do all the fun stuff. That is the part of growing up and learning how to become an adult in your late teens. I mean, he has his permit and he drives sometimes. Oh, then there you go. Then why would you drive him? I'm confused why you're forced to drive him.

Well, insurance is another factor. It's like $300 a month. I don't really give a fuck. You guys make really good money. You can do that. Well, this hasn't been factored in yet, apparently. So that hasn't been an important thing. You're actually like a stupid person, so let me help you.

May I have the whiteboard? I think I need to, like, do a little drawing for you. Okay. I'm not trying to be mean, but actually I kind of am. Ooh, nice freshman. So there are two options here. There's your income stays here where you don't pay any car insurance or you pay a little bit of car insurance.

And instead of driving him around, your income goes all the way f***ing up because you work like an adult. I mean. I'm really confused because I grew up with more siblings than the household that you're in right now. And both of my parents worked full-time jobs and we did this 100% happily. Well, I do also go to college. There's that. Well, that's different. You didn't tell me that.

How the fuck would I assume that? I don't know you. I don't know you. We're not friends. I don't know you. My bad. I guess I should have brought that up. Yes.

Context. Things for me to know would be good. So tell me about your college, because that is good. That is good. I can appreciate college. I'm going for a nutrition degree, but I'm doing it online with Purdue Global. Why nutrition? I'm going to make okay money at some point, but it's a very competitive field.

Right. I've kind of gone the own my own business route. Oh, you suck. You're putting this all on him who's actually going to make you like working a hard job, making real money. And you're honestly doing passion projects. Yeah, pretty much. How would the f*** this is possibly his problem? I wouldn't be going so hard on you,

if not the first question I asked you immediately try to throw him under the boat. This is fucking insane. Well, I feel like it's more his fault that we're in this position. How possible? Okay. How? Please, your turn.

Well, because when I'm at home, taking care of everything, I'm not spending any money except for on food and on basics, on things that my kids needs. He's over there on the boat, scrolling his phone on his free time,

buying whatever the hell he wants, and doesn't tell me about it, spending thousands of dollars, and then I look at the account and we have, like, I don't know, $150 left and three other bills that we have to pay for? Like, how is that my fault

that he's just spending it and not telling me anything? Cam? But it's not like big purchases all the once. I affirm a lot of stuff. So... Why are you doing this? Because he's...

Well, I don't like to see the... big numbers come out the account, so I'd rather have like a bunch of little fragmented charges here and later. Okay, so leave him. I don't know. What do you want? Sounds like he recognizes. Like, I don't know. I feel like money. What are you doing? It's not real. You know, I'll get paid again. Well, I think food and college paid for and roof over the kids' houses, which are paid for by money are very real. I feel like college like, I'm not going to pay for my kids as college. You don't have to if you don't want to, but food and roof, I would encourage. I mean, food, I get that. But like, Oh, that costs money.

Utilities. That costs money. But those are always paid. Like, not if you spend all your money on things you don't need. They're not. So how do the conversations are...

We literally get paid and like $1,000 will come out in payments. And I'm just like, how am I supposed to pay the bills when you have this much coming out in payments that I had no idea that was going to come out? And then I'm trying to juggle everything by myself

and you're just on the boat, having a good old time. Mm-mm. Okay. So how do the conversations go in this house then? Because clearly there's a problem, and you're both kind of recognized, you know? But you have a big issue with it. And even though you recognize it, you don't really seem to give a shit.

So tell me how this is talked about. How does it go? I talk a whole lot, and he's like a wall that doesn't say anything. I mean, if I make the money and I want something, I usually get it at the end of the day. Like, that's how it's going to be. I've always been that way. I want... They're a father.

Yeah, I mean, like, I didn't have a lot growing up, so, like, I want the kids to have, you know, everything they want. Is it all for the kids, that? Most of it, like, probably 90% of it is for the kids. But they probably enjoy, you know, not having to worry about money every two weeks, too. Do they know? No, they don't know. I mean, they know that I can't go do certain things that we usually, like, not necessarily no, no, but they know that I have to cut back when I do. I mean, I have to cut back a lot.

They enjoy doing the things we do. I mean, we'll go out, you know, take little trips here and there. We haven't taken a trip in a year because you've spent too much money. Went to Vegas. That was a year ago. I mean, last September. A year ago. Basically a year ago, buddy.

Yeah, but then I also worked from January to May straight, like five months. I mean, I have no issue with your work. I'm not home. So, like, how are we going to take? take trips if I'm not home. Or without money. Okay. Well, where does it again?

Okay. So you try to talk to him and then what happens? He, well, if he's on the boat, he's, oh, I don't have service. Oh. He might not have service. I mean, I don't. I don't always have service. He can just check out.

He was on the water, dude. And even when he does have service, he might have to work. It's a, he just checks out. He will, like, completely ignore the whole entire conversation that I try to have. I mean, sometimes. For days. Sometimes. I understand on the boat. I understand on the boat. It's different on the boat. I mean at home.

We try, but then he's always like, oh, I'm only home for two weeks. I don't want to deal with this shit when I'm home. That is just being an adult. You do have to grow the fuck up. You might have to have the conversation then. You have to have it at some point. It's the same conversations over and over. Why do you think that is? You have that conversation. Two and five Canadians will hear the words you have cancer. That's why every step and dollar raised matters. On September 19th, join thousands in Toronto for the Princess Margaret Cancer Foundation Walk.

Challenge yourself, friends, and family to walk 21 kilometers in support of life-saving research. Together, we can carry the fire and help create a world free from the fear of cancer. Register today at pmcfwalk.ca.ca. And I'm not going to just keep going back to the same conversation. Why do you think the same conversation keeps happening over and over? because she doesn't want to hear what I have to say. Okay. Okay. That's great. What do you have to say? Let's hear it now. Maybe maybe she'll fucking listen. Maybe she talks over you the whole time. I don't know. I'm not going to let her talk. I am here as the third party.

What do you have to say? What is your argument? What is the reality? So I'm gone a month. I come in for two weeks and I don't want to have the same conversation. about, you know, spending money or an argument that we had before I left out on the boat. It's like, I don't want to read. You don't want to argue? Yeah, I don't. Well, hold on. That's not an argument of the argument itself. You're literally just arguing you don't want to argue.

I don't want to argue at all. No, is that a counterperspect? Crazy. I mean, I mean, like, I just don't want to have confrontation. Yeah, but no adult conversations or help with any kind of. of decisions whatsoever because it's always so convenient that every time I try to talk to him, he's, oh, doesn't have service conveniently. Okay, well, that might actually be fair.

That one I'm okay. For days? For days. He's on the water. No, he texts about other things, but he won't answer me. I'll be like, what about that text I sent two days ago? Nothing. Okay.

Zip. Okay. Does she nag you 24 hours a day? No. I mean, sometimes I'll go like two days without talking to her. Because I was nagging. You, you're not talking to her. I'm saying her to you.

I don't know. I mean, she'll text me all the time, but not like really nagging. Like, just talking about like things going on at the house, this and that. So why the fuck won't you talk to her and like I was going to be on your side if she's nagging all the time. Then yeah, avoid your wife. So no one wants that. But if she's not nagging all the time, then yeah, deal with those as they pop off. Six hours on, six hours off. Six hours on, six hours off. So I work 5.30 to let's say noon. When I'm, Did you know that a text only takes about 30 seconds? She's on lunch.

So, like, she can't talk. She's doing her lunch. And then when I get back on work at about 30 at night, I get off at midnight. You usually in bed. I got you, buddy. But I'm not. I'm never in bed. And I tell you you can text me, even if I'm in bed.

So I don't, that's not an argument. And then if I don't have service is now two, three in the morning. I'm not going to sit there waiting to get service to, like, try to answer and have a full-blown conversation. Because it's just not worth it, obviously. you might be you know have an adult conversation that might make you feel some type of way possibly so might as well just not I don't know I'm just like to the point where I'm like I just I'm gonna crash out at work and then like everybody's gonna hate me so like I would rather just not deal with it you know well is that is that your only response you can't talk to someone you just crash out ish but I mean I don't want to have the conversations like I'm like like with she gets to that point and I pretty much like what happens is we get into an argument and I'm like I could

just leave like I'll go back to work then if like we're going to continue to argue about this or like I'll just work longer. You think it would be an argument if you actually went and talked because it sounds like you avoid all talking you'll talk about the things at the home but again I was going to be on her side if she's literally nagging all day yeah why would you ever approach it that's not a safe place to talk but the thing is if here and there she's bringing up some things and the vast majority of the conversations are fine, then yes, it's your responsibility to participate in the fucking household and threatening to leave is insane. Instead of talking? Brother, what are you on

about? You're 34 toddler. I mean, on the flip side, like, it would help. Like, it maybe she worked full time, you know, like there was... Financially, sure, but if you spend all your money, even if you make good money, it doesn't matter. Because you guys already make real. really good money. We'll have even less time to talk if I'm full-time. So that would probably make you happy. Well, yeah, that's why he wants you to work full-time. Obviously.

Yes. For sure. Okay. I mean, you're probably never going to work full-time because your business is like, right? I mean, you don't have to go to college that's sort of business. I don't know. What the fuck you're talking about?

Like you said, it's a passion project. I trained to be a doula, which I don't even know if you know what that is. No, of course not. It's like doing like home births and stuff. Yeah. So I want to work with like moms and... Why are you doing nutrition then? Like charity work.

For an extension of that. I want to prepare stuff for them after they have their babies or while they're super... But you had your babies 10 years ago and you're still fat. Yeah. So how are you helping them? Well, I mean... You tell them to just eat more even post-birth? I mean, I do financially.

That's why I do the finance show. You don't cook at the house either, though, really. You said you're, what the, you're a part-time worker who works at home and has to take, you just complain about having to take care of the household. But you don't cook? Sometimes when I'm not tired. Tired? You're tired because you're fat.

I'm tired because I'm fat. Probably. Yes, nutritionist, absolutely. But he's able to go work on a boat all the time because he's not fat. Yeah. Sure, but that's not, I mean, that's an endless loop. If you're not willing to be healthy because you're tired, it'll make you even more tired and blah, blah, blah, blah. Well, and you know, the whole, the whole vicious cycle, yeah, I mean, I don't feel like doing it because I don't do it.

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the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollar Wise, built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollarwise.com. Link in the description below. Well, I guess because I'm a sad panda, because my Husbands gone all the time. I don't want to do anything. I don't want to keep doing everything myself.

So then, yeah, I kind of just get so burnt out that I just shut down and don't do anything at all. That's a fucking cop-excused. We buy all these groceries and stuff and then they just go bad in the fridge. Like, and then they want to go eat out, you know? How long have you been doing this job? This job here? Two and a half years. How is the relationship changed since you started this?

job. So I used to work on the road and then I stopped doing all that because she wanted me home. And then we moved back to Arkansas and I was making shit money. So the whole dynamics of the relationship were horrible. Were? You guys seen what this conversation has been like so far? Continue. And so there was just, there's no money.

Like can't afford anything. I mean, we were staying in a town's population of 500. with her mom. And I was working a shit job. So, like, this is the only out was to go work on the road. How this job has affected your relationship? I mean, I would think it's helped a lot. I mean, as far as that goes.

I don't think that we've been good for a long time, obviously, because, you know, when we didn't have money, we fought about not having money. Now we fought about having money and spending it all. So it's just, you know, whatever situation we've been. How have this job affected? your relationship? Taylor, you try.

He clearly can't comprehend the question. No, no, he thinks it's better. It has greatly affected our relationship. I mean, there's less argument. He thinks it's better because he doesn't ever talk to me. It's worse because he's never there. We are never on the same page. We never talk about anything.

I have to deal with my shit. He has to deal with his. And that's just how it is because he won't meet me in the middle ever about anything. Why? Why no compromise? You have to compromise in life. I compromise every fucking day.

What's there a compromise? I don't know. Okay, what are the issues then? The fact that he won't talk to me, the fact that he keeps spending all the money and won't tell me about it, it's, it's wrecked us. I don't know how he's saying that it's better. Like we never talk about, probably because he doesn't hear me nagging him all the time. That's probably why he thinks it's better.

He's not here all the time to hear me. No, it's not better. Well, halfway would be spending at least a bit less and trying to communicate in some way whatsoever. That would be the halfway. But you're not even willing to do the basic things? I mean, I communicate. I just don't.

It always leads to like... What? If you're not at all... Argument about some shit. Like, I'm not... It doesn't sound... That's a conversation. Like an adult conversation has feelings sometimes

that, like, might not feel very comfortable for you. But you still have to do them. That's part of a family, Cam. So how does the argument go? What usually triggers it to turn into... to an argument. Maybe we can navigate this. Maybe we can make it

so it doesn't go into a full-blown heated explosion. I don't have an argument. He never talks. I try to start it. He gets mad, I'm nagging. Okay, you try to start what? What was the last topic?

What was the last topic? All of the spending that comes out. Okay, so you tried to start. Tell me what you did. I said that I was upset. Can't have all of the bills paid because, like, most of the payments that he has, like the payment plans,

they come out as soon as he, gets paid. Like, we have no access to that money before those payments come out. So I'll look on the day he gets paid and there's like 10, 15 different payments coming out. I asked you how you approach the conversation. I approach it by trying to tell him all of that. He doesn't agree. How? How? What was the situation? Did you set him the down or what? No, he's always gone. I try to text him. So you're trying to text him. I send him all the screenshots, yes. And what did you say? I said, what the fuck is all of this? Well, if you're opening a conversation with what the fuck is all this?

No shit that's not going to result in something positive. You're... Maybe you should tell me first, and it wouldn't start like that. I'm sorry. Okay, well, you're a dumb... Then if you're starting the conversation with... What the fuck is this? No shit that doesn't result in anything.

How else am I supposed to start it when I don't have any money for any other else? Let's leave out the word... It's very confrontational immediately. That's my favorite word, though. It shows how upset I am. And obviously I have a reason to be upset. Are we now confused anymore why he doesn't respond? I'm not.

No, because it's not always that. It's just, well, honestly, I'm paying. Well, last time it was. So then what happened after you're like, what the fuck is it? Well, I think you know he didn't show up. He wasn't there. No shit. No shit.

Yeah, well, I mean, he's checked out all of the time emotionally. Like, he's just not there. No shit. If you're starting every conversation with, where the f*** is a, you guys, yeah. Not every conversation, but every conversation on payday for sure. If you're starting every conversation like that?

I'm a big. A good majority. Yeah. No shudy checked out. That's not how you start a conversation. That's not a healthy conversation. That's not any kind of communication. You say he doesn't communicate neither to you.

Well, we've got to this point because of him. So I don't know how to do it. What? Yeah. Okay, you're an equal part of it. If you've been trying to correct it but you can't communicate properly, then you're also a part of the issue. And telling me you don't spend any money, shut the fuck up. That's just never the case.

What are we talking about here? I mean, I don't know. Maybe he is the worst spender. I'm pretty basic. Don't wear makeup. Don't get my nails done. I don't get my hair done. We can't afford it.

But, you know, I just sit at home waiting, not waiting, but hoping that maybe I can spend some money on me, but I feel too guilty to because he's already spent all of the free money that we have. And I have to use the money that we have on bills. So it's not like I can. Can't, why are you with her? If you guys can't even talk, why are you with her? I don't have emotional conversations with anybody.

You guys aren't looks matched. I mean, that's just me. I mean, you're a bit of a freak. Don't get me wrong. But, like, I mean, there's attractive women out there that like freaks. Well, I mean,

I have a kid, so that's, I mean, that's a big thing. That'll do it. But you don't look like the person that stays around for their kid. He doesn't. I mean, my only option is, what,

to work more? Like, why are you with her? Is it just the kid? Because you can't fucking talk. Talk to her, man? If you can't talk to your woman, why are you with your woman? He can't talk to anybody. Like, it's not going to be any different when anybody else.

Oh, is that true? So you can't have any kind of conversation with anyone. No. No. Oh, then you're a loser. Yeah, probably. But I'm not just, I don't like emotional conversations. I was a kid.

I was forced to go to therapy and all this and shit. And I'm like, I'm not. Force yourself to go to therapy as an adult. You clearly need it. Yeah. Not doing that. You're not willing to try to get help. Not willing to try to get help.

to become a better person, not willing to try to improve your life in any way whatsoever, even for the sake of your fucking kids? I mean, I have conversations with the kids. Like, that's not about money. They're not learning any kind of emotional, healthy habits from you. Look at how y'all's relationship is. That's, yeah. How does it look in the household when you're back?

Good. I mean, yeah. Yeah. Is it? I mean, I do my best by myself, but, I mean. What? I said, how does it look in the household? when he's back.

Like look physically? Oh my fuck. Y'all's relationship. I mean, as long as I don't try to nag him about anything or any spending, then it's okay. So as long as you avoid the issue that is damaging the house. Yeah, a generic relationship, then it's okay. That is the opposite in every way of healthy. I mean, the only arguments we have is about money.

Yes, and it's the one thing that obviously is causing a massive issue, but you're not willing to talk about it. And you come in way too heated. probably. No, you do. Not for obvious reasons. No, you can still be upset about something or not coming heated.

If you want to have a productive conversation. How long? Two years? So it's been two years. But we've been together for 11 years. Yeah. And it's always been that way. Why are you with that?

I'm still confused on that. Because he's just as bad as I am. He spends all the money even if we don't have it. And then I'm over here and I'm not in him about it. But you don't contribute anything financially to the house. So like you can just take this money. money. Girl, why are you with her?

I mean, I literally have to be that way for him. Why are you with her? I mean, as far as like being a cool person, I don't know, like, the dynamics is good. Is it? No, it's not. It's when you avoid the things the dynamics is good. Yeah. Well, I guess it doesn't matter who I'm with.

When I pretend like everything's from in Dory, it's good for you. You're indoor. Well, yeah. Okay. Good. I mean, you love her? Yeah. Good.

I mean, I don't know how to, like, show affection or emotion. I never grew up with having that. I didn't have a father growing up. I was raised by my mom. You don't know how to hold someone's hands? I raised myself. Get flowers? What?

What a therapy? Really? Really. So he doesn't show affection at all to you? I mean, he does, but usually I'm initiating it. I'm the one always, I mean, yeah, sure. Probably I am naggy. he doesn't do anything that I ask him to do.

I try and try and try. And that's the only way I get heard is if I lose my mind. What the fuck you are you? I asked if he shows you affection. When I initiate it. Okay. She'll feel something like away about something. And then she'll cry about it

and then tell me a million ways that I could go about fixing the situation. Buddy! You got the jackpot! And I'm like, Literally giving. Two and five Canadians will hear the words, you have cancer.

That's why every step and dollar raised matters. On September 19th, join thousands in Toronto for the Princess Margaret Cancer Foundation Walk. Challenge yourself, friends, and family to walk 21 kilometers in support of life-saving research. Together, we can carry the fire and help create a world free from the fear of cancer. Register today at pmcf walk. Pause. I don't want to sit here. No, no, no, no.

Pause, pause, pause. I want to tell you what literally every woman in the history of every relationship is done. They will cry about an issue, but they won't give you any ability to solve it. She's given you a rule book. And you're not doing it? Novel. They always cry about emotions and it's never factual in the real world. That's what women do.

That's what they do in relationships. Welcome to estrogen or something. I don't know. She's giving you the list. What? Every man would kill for that I don't want to hear all that Not him apparently

You're just a loser then dude I don't know I don't know what to do for you If she's given you the fucking checklist of everything You can just do Like you don't have to necessarily agree with everything But the checklist And just No he's too good for that

I don't feel like it's that bad It's not that bad Not like the argument It's oversteering It's not bad for you Yeah because she doesn't talk because she doesn't talk. Do you not understand that?

It's not bad to you because she doesn't bring anything up anymore, especially while your home. To try to make the time your home pleasant, but you're not addressing any issue that has been building for years. Years. Yeah.

How frequently when you're home? Maybe like four or five times, depending. So a few times a week. Yeah. Okay. So, I mean, the affection part on like the intimate part's fine that's good what's the affection part that he's not delivering i'm really just talking about intimacy like cuddling with me okay having emotional conversations i i which i do talk a lot i

is that is that are those the two things you need yes that's that yes so okay okay like an actual real adult conversation just like over talk or over share and it's just like we have a discussion it leads to a million other discussions and i'm like i don't want to hear all that but As you can imagine, I'm afraid of being misunderstood because he never listens to me anyway. So, yeah, I find every single way to try to explain myself. What you mean he ever listens to you? Well, he either checks out when he's on the boat or he, yeah, I mean, he doesn't. The boat thing I'm not like freaking out about, but in person.

He doesn't listen? No. What is what do you mean by that in person? He will sit there and not say a word. He will let me talk to him for an hour trying to give every, every checklist of things that needs to be taken care of and he will not say a word. He will sit there and not say a word. Would you want to get talked to for an hour straight

and then be expected to kiss and hold somebody? Oh, no. I wouldn't say you guys have to like dittle afterwards, but like maybe we wouldn't go an hour straight if you contributed a little bit in it. And like just said a couple times, yeah, you're right. I'm sorry? Even if you're not,

because that's again, what we have to do is men. Groundbreaking. What do you think about what she just said, Cam? Because, yeah, I mean, you're a struggle in this conversation, too. I definitely, you know, have issues when it comes to anything emotional, but it's just... Emotional. She's sitting there and talking. That's not who I am.

I've never been that way. I don't need you to be... It's been 11 years and you haven't figured it out now? He was a little bit more that way, but he's a little bit less now. A lot less. It's gotten worse. I think so. Why do you think it's gotten worse, Cam?

I don't know. I've been... I've gone more. And then I come... doesn't want to know with it. When he's home. That's not unfair, but you still have to step up and just be an adult. A partner or a father.

At least every other trip home. I'm a practical person. Like, I hate having like theoretical conversations like we could do this or change this. And like, what? Brainstorming and trying to figure out how to better our lives, that's not a bad thing. Yeah, but if it's practical, if it's obtainable. Everything is practical when it's for your family. Oh, no, it's not.

Conversations are mandatory. Yes, I'll go with you there. Not everything was practical if that has to do with your family. But again, okay, theoretical. So, okay, what did she rant at you for an hour last time? She thinks you don't listen. Let's figure her if you do. What was the last rant she was given to you?

Shut the fuck up. What was the last rant? She wanted me to hold her? That was it. An hour of I want you to hold me? Yeah. and crying and telling me that. Okay, what did he miss?

What did he miss? If anything, or did he actually, was that it? Was it an hour of, I needed to hold me, I need to do me, I need to hold me, I need to hold me. I had, I get migraines. I've asked him at least three times to help me out, rub my neck, so maybe I could feel a little bit better. Didn't want to do that. Ignoring me, I'm like, well, can you at least just... She has a migraine?

That's crazy. What's the wrong with you? He doesn't want to take care of me. She has the migraines every other day. Gross out by me. Because I might throw up every once in a while. He doesn't want anything to do with me. And all I want him to do is just lay there for a little bit, maybe rub my neck, and then you can do whatever the hell you want.

I just want to be taking care of every once in a while, especially when I feel bad. She has migraines every day. Every other day. Anytime we go anywhere, we're in a car for more than a couple hours, we have migraines. Like that's my fault, though. Are you medicating? Yeah. Not regularly.

Like, it's when needs. needed, but like yesterday you didn't bring the stuff you need. I had Accedron though. That doesn't work. Yeah, I forgot my stuff from the trip. You got to be there for her when she's feeling sick. And I understand maybe it feels like a shit ton. Maybe you need to go to the doctor and see if there's something you can take day.

Well, if I could afford to go to the doctor, I would. But all the money is gone by the side. I should be able to. I mean, but I can't spend money on myself ever. Or, you know, the kids might go without food. you spend last month? I don't know. He has no idea. You don't look at the money at all? The balance. He has no idea. The balance of what? The account. The account? The bank account. Any of them? If there's money left, he's just going to spend it. How much we'll spend last month?

I honestly don't know either because he keeps payment plans. Then how can you be angry? Oh, but yeah, but you should be able to track that. I don't ever know what's going to be coming out and what's not. From month to month, he might pay one off. He might get three more payments. On like a firm or whatever the hell. It was $8,000. Which with you guys can buy, I mean, his payroll, it was a higher month, so it technically

made it, but definitely nothing left to show extra. Ever. So do you see where you missed it, though? You said, all that was said is that she wants you to hold her. But clearly,

there was more involved with the migraine, wanting to feel a little better about that. And you won't even step up. What does he do at home then? then the 14 days he's there What does he do? Clash of Clans Out of everything?

I mean that's mainly what he does Like I'll do little chores and stuff around the house But I mean what's there really to do? Your own laundry A better game? I play World Warcraft Okay okay Oh he's doing something more productive

But then I only play that like twice When I'm home because You know like the kids want to do stuff You're not consumed with your phone games Like, I try to do things. I mean, we play Xbox games and stuff. Together? With the kids.

When you're not petting her, like she's requesting, weird way to say, what are you doing? What's he doing? On his phone. What are you doing on your phone? Give me your phone. Why do you look like this, by the way?

Open it. What are you? You're stupid, I used a stupid little, no, what am I going to do with a locked phone? piece of shit. Yeah, Clash of Cans is literally the only thing on the main screen. No, you gotta swipe the other direction.

I know, I said the home screen. No, that's not the home screen. I don't know why it was swiped to that page. Probably because you're playing Colossackan. What do you, um, you know, why do you look like that? Like what? I don't understand what you're getting out.

Like... Your teeth and shit. The teeth? I had horrible teeth, so I wanted to fix them and I was like, if I'm going to spend this much money, I'm going to let everybody know. Like I live in Arkansas.

Everybody has fucked up teeth and a bunch of meth heads running around. So I don't... But you could have fixed that. It was about the same price. But why I look like that? Because then it's like, hey, I don't have fucked up teeth.

Look at me. I mean, you kind of do. Not really. It's a matter of opinion. Do you like them? I mean, I didn't at first. I've kind of gotten used. To them.

Well, used to is different. Okay, so let's see. Last week, well, you're not, what's the fuck you do it on Facebook for 15 hours? Real. And then I'm like, whenever I'm like, I don't have service, it'll be open, but there'll be like nothing loaded. So like I just might have my phone sitting there. I fall asleep and it's just the has the app open because I don't have it set to auto lock. Miraculously, he has service for Facebook.

No, just because the app's open doesn't mean there's anything popping up on it. But 15 hours. Yeah, I put my phone down, I fell asleep, and the app was left open. But you only sleep for like four to five hours. Okay, guys. Clash of Critters. Oh, that's a new game I started. Yeah, you played that like crazy last week.

A lot of YouTube maps, Apple Maps. I want to get here. I leave that open 24-7 if I'm in a car. Okay. We have Safari Messenger and then Clash of Clans. Phone message. X. I mean, yeah, I mean, it's a lot of time for sure.

It's an average of 9 hours, 53 minutes a day. So, I mean, that's a lot of phone use. Don't give me wrong. And it looks pretty much similar week over week. I mean, you were pretty heavy on Reddit a couple weeks ago. It must have really been on the phone. That was an average of almost 13 hours a day. Jeez.

And Snapchat, who are you snapping? One person. Who? My buddy. He's like in a weird relationship right now. so we've been talking back and forth. Who's Christina? The girl I used to go to school with.

Well, she was homeschooled, but... Why are you snapping her? It was, like, one message. Convenient that it's Snapchat, though. Why are you messaging her? Yeah, you guys saved one snap in there. But why are you talking to her? I, like, check in with people every now and then, like, one message.

Like, I probably only talk to her, like, twice in a year. I'm so glad you check in with other people. Who's Bobby? A girl I used to work with. She... Are you snapping with her? Okay, so a lot of people don't have social media

other than Snapchat. So the only... Yeah, I don't know why, but like a lot of people don't post anything on Facebook, don't post anything on anything other than, like, Snapchat. So, like, she posted something, like she's getting her RN.

So she had testing. So I was just like, oh, good luck. I don't even really use Snapchat. Half of it's bullshit. Dedra, Dierra, and Babadeth, Babeth. Yeah, like I said, I don't really use Snapchat other than... Yes, you do.

You objectively do. What do you I use it? It's all right here. Yeah. What are you on about? Yes, you actually do. If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury

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Still, right here on Calebhammer.com, we have new Calebhammer financial resources. They are the ones I would personally use, which is why we made them, for you to use. As you've already heard me talk about, personal loans are okay when you're good at debt. I personally use them when I can leverage them for a situation. So we have good personal loans on Calebhammer.com. We also have auto insurance now. You can check for free and see if you can save a shit ton of money on auto insurance. Remember, none of this actually matters if you continue the same bad.

behavior. So it's not for you if you still suck. But if you've proved you can budget, check out these programs from personal loans to car insurance to see if you can save a shit ton of money across the board. Go to Calebhammer.com or the Calebhammer Financial Resources part of the pin comment or description below and save a shit ton of money. How do you feel about that? That would weird me out a little. It wears me out a little bit. I can't see what's been talked about. So I just have to take his word for it. And do you? And do you? I don't know. what else to do? There's

nowhere to dig on Snapchat, so Yeah, I guess not. Okay, very big into weed, aren't you? I mean, I used to be, but It's weed and Pokemon. Yeah, weed Pokemon, weed Pokemon. I can't smoke weed anymore with my job, so it's just shit I used to follow. Dreaming.

Yeah, it's just bullshit. That's a bit interesting. And do you take his word? Because, I mean, listen, I can't say here if he's doing something bad. It's not about that. But it's more like, okay, he's not responding to you. Well, he's on the boat, but he's snapping these women. I've definitely had those thoughts.

Thoughts? But you've never brought it up. Ish. What have you thought? I've told him that, well, I don't know, hinted at the fact that maybe there's somebody else. I don't know because he's so checked out all the time. I don't know what else. I mean, I don't know.

He's gone for forever. so I don't know what the hell he does when he's gone. You've never done anything with anyone in the last 11 years. No. Very goony X account, but... Yeah, X is... It's based on what you consume, my friend. That's how the algorithm works.

Crazy. That's what you engage with. Instagram's just as bad, too, so... That's, again, you! Not Instagram. I'm on a boat for a month. Let me see her Instagram. We'll get into these finances.

You snap her? No, she doesn't use Snapchat. She snapped the other women. That's weird. Okay. Oh, it is. Oh, it is. Oh, wow, it is.

All. It is all attractive women that is being followed in stories and engaging it. Oh, yep. Oh, yeah. Yep. Mm-hmm. Yeah. How do you feel about that?

Don't like it. That's bad. Okay, well, he's not really doing much in here. A lot of it's just spam shit. Yeah. I mean, you have messages of few women, but... No extensive conversations. Lots of Instagram users.

Like, they, like, must be deleted. I think you're getting, like... Like, did you fall into... Like, go to, like, who I follow, like, to, like, my actual page. And it's like 5,000 people or some shit. Yeah, all-st-attractive women. Okay, whatever. I don't know.

I feel insecure personally. I'm just saying that. Yeah. Especially if he's gone on time and not responding to you. Yeah. I can't imagine why anybody would have an issue with that. But you've never brought it up. Never.

Why? I mean, well, I did a long time ago, but I don't, I think that, I mean, maybe partly I've checked out too. I don't feel like there's any point. Like, why if. you're 400 other times that I've tried to talk to you about any other problems that we've had. I'm not listened to. That's true. So what now?

Do you just give up? But you stay. You give up and stay. Yeah. I mean, if I wanted to do something, it wouldn't be hard. I'm not actively trying to like go do anything or see anybody else. You've never exchanged nudes. No.

I don't know. With that Snapchat thing, that's too hard to believe. And you definitely cold DMing a couple of women on Instagram. It was like a year ago, but still. Okay. Well, either way, what do you guys think your financial score is today? Zero being the worst, 10 being the best? I'm going to guess a three.

Five. Why do you think of five? Maybe four. I own a house. I mean, I pay my bills. That does help. Do you? Would you know?

Yeah. I mean, I wouldn't have utilities, right? I mean, Bill, you're there for a third of the month. All right, if you watch your hammer financial scores, it's been retweaked, it's being redeveloped, it's incredible, it's much more thorough now. Check it out on each category. It is free. Calebhammer.com, go ahead and get that. It just takes a few minutes. And if you don't want to be like a guess who ends up on the show, you can actually answer questions about your finances because you'll put everything automatically into Dollar Wise. The Budgeting app we made for the average American instead of that overcomicated bullshit where you stop even using after a week. So check it out, get a free trial, dollarise.com, or just download the app. Take the annual version if you like it. Most people do because it saves nearly 50% on your money. Two in five Canadians will hear the words, you have cancer.

That's why every step and dollar raised matters. On September 19th, join thousands in Toronto for the Princess Margaret Cancer Foundation walk. Challenge yourself, friends, and family to walk 21 kilometers in support of life-saving research. Together, we can carry the fire and help create a world free from the first. fear of cancer. Register today at pmcf walk.ca. And you get the physical version of my 30-day meal plan signed by me email directly to you and the digital version of the cookbook as well. So check that out. All right, let's get into a little bit of the money. We got a lot of bit of money to go through here.

That's clearly the big disagreement in this relationship anyway. And it's kind of tearing her apart. You don't really seem to care, which is kind of crazy. Like, I don't know. How do I get someone to care as difficult? Really, the only thing would, it would be like an ultimatum, her leaving, but I don't think she cares enough to leave. She's just willing to give up and just put everything into calories. So I don't know. I don't think she could afford to anyway.

No, I don't know. That's probably not what she wants to hear. I mean, is that the only reason you want me to stay with you? Technically. Not to stay. He's literally saying you can't leave. Which is what, is that what he wants my only reason to be with him to be? Oh, I see what you're saying.

Yeah. I mean, I'm not home half the time anyway. So, I mean, if you're looking at it, if you're looking at it like that, you're pretty much. What are you trying to say? Like, if you wanted to leave me, it's not like I'm home that much anyway. You wouldn't care if she leaves. Is that what you're saying? Yeah, I would care.

But I'm saying, like, if I'm, if I work and I'm gone all the time, it's pretty much like you're at home single anyway. Like, it wouldn't be that much of a difference if you wanted to leave. How does that make you feel? Like he is emotionally stunted and has no feelings whatsoever. What you're going to put up with it for another 11 years? Hmm. Again? My kid's nine, so.

Why'd you say 10? Why am I having to change the ages? I said almost. I'm sorry, I'm bad about that. Just give me their ages. It's close enough. No, just like how old are they? And then that's the answer.

You're stupid. Well, that's how I do things. I should have been cooking him right there, but you just had to be. Okay. You have a payday loan. A couple. A couple. You make $110,000 a year.

Why do you have a payday loan at 688% interest? While you make $110,000 a year, what the fuck is wrong with you possibly? That's like a $1,000 loan. That's not the point. It's the interest rate. Was to pay that shit off like next payback. It's the interest rate. Why are you having to take this out in the first place?

you make good money. So I didn't get paid for like a month because I got off work and I went to school for my license, for my pilot license. So that was like 18 days or something like that. So I didn't get paid for a full month. So it was just kind of to like balance everything until I got back to work. But why is the payday loan? You with your income, you could qualify for a good personal loan.

I've never really tried. What? You immediately go to a payday loan? I just go on credit card. the first thing that pops up. What? Dude! Listen, again, it's not for everyone. I wouldn't recommend it for people like you,

but for people like me, people that can manage their debt. Like on Calebhammer.com, we have these financial services that we're building out and stuff. And we have personal loans for people that can apply. And there's like 0% interest rate period loans and shit. This is at 68%.

Make it make sense. My credit, though, prevents me from doing a lot of those. Why would you have bad credit? That makes no sense with your income. There's no reason you should be going into a bad credit situation. You borrowed $800. You have to pay back a total of $4,475.

It's a lot. Why? Where did it go? Did she even know about this? No. So he did this behind your back. Every time he does it behind my back. Every time.

Where'd the money go? So it went to them at the house. Like they needed money in the account. I hadn't got paid yet. So I just made sure there's money in the account for whatever they need. So I don't know what it got spent on, but it got spent. And food. It just took this out.

Yeah, because I just went to school for my license. $203 and 30. No, it's every other. Like that one I plan on paying the... I'm glad you plan on, but will you? Because everyone... Yeah, for sure. That one, for sure.

Every time someone takes out a personal loan, they plan to do it. They never do. Or a payday loan. As long as not... Most of the paychecks are gone from your other payments. That's the first one I plan on paying back because it was stupid even doing it. Okay, at $407 a month if you don't, you have to pay half the balance. So why wouldn't I just pay it all off?

I agree. Why wouldn't you? You're the person that's enough to take out one of these in the first place. So you're the person that's f***ing enough to not pay it off. So I can't trust you to pay it off. You're someone that is taking out of 700% interest rate loan. Someone who's willing to do that is a lot. Oh, I don't have not to pay you.

When did you learn about this? Is it now? I mean, I've pretty much given up on which ones or which because I keep trying to ask, how much do we have left? What payments do you? He doesn't even know. He doesn't know what he has. So, yeah, I mean, I don't know which one that would be for.

So, yeah, I didn't. So what's your perspective on this? This is crazy. Overwhelming. I don't know. There's so much that I don't even know. Where to start? You married a man and made a child with someone that has taken out 800% interest rate

payday loans behind your back. What the f- Also, another reason why you might not pay this off immediately, you have bad credit score already, meaning you suck with this shit. So why the fuck what I trust you to do it? Look at your teeth. You only need credit if you're buying shit, but I'm trying to boost it anyway. Like that's-

You're trying to buy shit. Yeah. How much did those cost? The teeth? Yeah. I made payments on a lot of it. It's still got a lot of work to do. How much more?

Maybe 30,000. Oh, 25. For what? Golding everything? All crowns. Your bottom road doesn't look insane from here. A little crooked, but not like... But I'm going to get crowns on them. Why?

Why not? I've already started. Do they need the roof? Huh? Do they need? root canals? No. Everything else is just cosmetic other than the implant I need. You're going to prioritize 30,000 hours of cosmetic things for your mouth instead of paying for your kids' school. Anybody, you can go get a loan for school. That's what every kid does. Like, why am I going to pay

for my kids college? Setting their mouth for an easier chance of success? I'll help you, you know, get a vehicle or get an apartment or, you know, do other things. But when it comes to your school fund, you're going to pay for that. How about this? 30,000 hours for your teeth instead of 30,000 hours, into a kid's Trump account, growing tax advantaged in the S&P 500. They could use that money for anything, a down payment on a house. Entering your kids getting a down payment in their house in their 20s. And not having to work for nothing. It's not about not having to work, but you're giving them an advantage in a system that's

already kind of hard to get a house. But instead, you're prioritizing you getting gold teeth. Do you not see the disconnect? Selfish, it's all about you. Maybe they wouldn't have to spend 11 years trying to get to the point of, spending way too much money on themselves. And maybe you could get her old Zempec. Maybe.

That's like $50 a month. Exactly, but you're prioritizing $30,000 for your month. She can't get mass care. She can't get... I have good health care. I'm pretty sure it's probably covered. Health insurance? Yeah, health insurance.

But you still have to pay for everything. And if you go to like their little Oshner or whatever, it's like 100% cover. We don't live in Louisiana. We have to pay for shit. What are you saying, dude? My company, when it comes to health care, will 100% pay for everything. In Louisiana.

Your $30,000 teeth? That's not cosmetic. See? In Louisiana. Yeah, she doesn't live in Louisiana. It's like four hours away. Wait, four hours isn't nothing. Like, I'm just going to drive there every week for a doctor's appointment.

Why would you be going to the doctor every week? Well, however much you have to go. I don't know. I don't know what you guys are not about. You can get those tempik online. Oh. There you go. Well, I mean, it costs money. You're prioritizing your cosmetic teeth.

Anyway, I wouldn't recommend anybody to use it. Why? She's going to die before you. At this point. Well, yeah. You're probably like 20 years. And with the amount of stress, you put on me, too. Okay. Shut the fuck. What stress. You're just not having conversations.

Well, yeah. I mean, that's stressful. It's selfish. Another one for you. This one, V-Viva. Okay. $3,0.83.90 with a bi-weekly payment of $89.81. What's this for? That was to pay off some debt.

Consolidation. That's what I was trying to do. This is another example of why I don't think you're actually going to pay off the payday loan. The thing is, consolidation's fine, bankruptcy is fine, personal loans are fine, credit card transfers are fine. Not if you don't change your behavior first, because then it's not a tool. it's a weapon. So I tried to take that one out to pay all the others.

That way I only had one payment. Just like you're trying to pay off the payday loan. You have no, no ability to convince me that you're able to do anything based on your history. You're not good at this stuff. You're not good at this stuff. This isn't for you. Very true. He's never been good at money.

Our entire relationship. so I don't know why I expected it to be better when he was making more money. What was even the point of the consolidation? It's at a 31% interest rate. That's a credit card. What did you even get out of this consolidation? He has no idea.

I paid off a bunch of... You didn't pay off anything. You moved the debtor. Then you built the other debt up again. That's what happens every time. You damage yourself. It was a weapon against you. It wasn't a tool for you a benefit.

I was trying to get the credit cards down. And you didn't. But you put it basically on another course. credit card. If we're comparing the interest rate, it might even be worse with how low the payment is. And then you built the credit cards back up because you didn't change behavior cam.

So is it better to pay them off individually or just one big loan and pay it all off at one time? You can do the big loan, not with that kind of interest rate, but only if you change your behavior because, again, you have this much in credit card debt, this much in personal loans, then you put it on a personal loan, and now your credit cards are here, right? But since there's the ability to spend on those credit cards,

You spend on it. Now you have double the death. That's what happens if you don't change your behavior. Again, I love the personal loan services we have on Calebhammer.com, the car insurance and all that good stuff with that we're building out. Okay? It's all there for people out there, for people like me. Not for people like you.

Because you can't control yourself. You didn't change your behavior. And then for TiVa. Retail credit. Again, this is him. It's been him the last few times. What the fuck? He won't talk to you just because, is he just a bad person?

So he just a f***er. Bad person, like, what are we doing? I mean, I don't know. Part of the time I wonder, because, you know, I've wondered if he's running around when he doesn't talk to me or when he doesn't want to have solid conversations. So, you know, with our phones, the iPhones, I would try to see where he was at. Like, when. Oh, you have his location. Yeah.

The find my iPhone. So I. I turned it off. Why? I've had it off for years. Why? Because I worked on the road and the problem I had was it was a horrible job like I'm working now. And I'd worked sun up to sundown. I was doing solar refactory.

Getting there. So, okay. Anyway, I get off work and the only place to go eat, you know, would be like a bar or something, whatever. I'm just going to get food. I'd go back to my apartment and I would just fall asleep. Well, she just wanted to have these conversations and talk. And whenever you have... And wouldn't say a word to me

and you would just show up at a bar. Whenever you have found my iPhone on, you can ping the phone and it'll go off until you turn it off. So if I didn't message her back, she would just keep hitting pink my phone. Imagine being gone for the... And I said,

I told her. My name is on a trip right now. I have her location. You know why? Not so I can talk to me. No, I'm just, I want to make sure if like I'm she doesn't get into like a car crash it's scary well yeah I mean I that's why we had it but when I'm looking and all he is is a door and not talking but you're just pinging him and he's

supposed to be at work yeah because he's probably cheating on me he's at a bar so I told her last time if you ping my phone again I'm turning this shit off and I'm never turning it back on well the beginning of the year I was like you know what this year we yeah we had a conversation I said if I turn it back on, you know, we'll see how it goes. Not even week, a couple weeks later, I got arrested over it. Oh my God. It was so much longer than that. You got, she got you arrested?

Yeah. Over having found my iPhone on. Essentially. Hold on. Someone tell me. That makes no sense. So I went to a friend's house and she just assumed whatever while I was at a friend's house a couple hours away. Once again, his communication is shit.

So I left his house and I had a migraine. So I pulled over, I never have a migraine ever. So I pulled over at a grocery store and I was sitting in the car and I have an aura ring and like I even like track this shit out. I wasn't even asleep for two hours. I didn't respond to her for two hours and she called a welfare check on me. Cops rolled up and immediately they looked at me and arrested me and tried to give me a DUI. It was twice that long And he had told me

Previously that he was on his way home So three hours after he was supposed to You know Be getting close to home now I look and see that he's still two and a half hours away What the hell Sitting at a grocery store I try calling him didn't ping him

Didn't ping him But I knew where he was so yeah So she calls the grocery store There's obviously something wrong because he's not going to me You're a helicopter wife I'm sorry that That's starting to get a little insane I was afraid that something was wrong because he literally said he was.

What time was it? What time was it? It was like three in the evening. No, it wasn't. He was supposed to already be home and like for a while before I started freaking out. My daughter gets home at four. She wanted me home around when the time my daughter got home. It was like started at six.

She was the first time you let her have access again in a long time, right? Oh, yeah. And she immediately called the cops? Yeah. Oh my. No shit he's never going to give access. Did they arrest you? Yeah, I went to jail.

That was not the plan. I literally called a welfare check and said that there's something wrong because he's not answering me. And like I have a federal license. Like they try to give me a DUI. If I get a DUI, I'll lose my job. Done. Over with. How'd you get out of it? So they arrested me on the spot. Because I threw up outside the car. So he pulled up. He's like, hey, you know. The migraine? Yeah. He said you like, I want to talk to you, you know, step out the car, you know. So I step out of the car. He said, put your hands behind your back. You're under arrest. I said, what the for? He said, you're drunk. I said, no, I'm not. And he said, did you ask for a breathalyzer? Well, they wouldn't do it there. They didn't do a sobriety check, nothing. They arrested me, put me in the car, towed the car. I went to jail, and then they tried to book me in, and then they did the breathalyzer. Well, I passed the breathalizer. I told the cop, I said,

well, told you, like, I wasn't drunk. This was pointless. So I'm getting my stuff back. The cop comes back out, and he's like, hey, I got something for you. You're not leaving yet. So I was like, what the f- So he brings me? So he brings me. back a public intoxication. So he gives me that. And now I have to go get a lawyer. I've already paid him $1,000. I had to pay $300 to get my car out of impound. All because she's a crazy bitch. Because she called a welfare check all because I was sitting in a grocery store. He had it on for several months before this happened and nothing happened. The only reason I did is because I legitimately was afraid that something was wrong. I even called. Even when someone has

their location. It shouldn't be checking someone's location. Like, so constantly. I didn't. Why were you? Because he wasn't answering me and he wasn't home when he was supposed to be. He doesn't need to always answer you. He does when he's two hours away and he's already supposed to be home. I was at a grocery store. It's not like it was like pulled up in some random apartment.

I had a f***ing migraine. I know. Why didn't you just text her real quick? I was like, I did. Because you were supposed to be home. I said, I said I'm on my way home. I'm leaving in a. Two and five Canadians.

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or click the link in the description below. Yeah. It matters when somebody's worried about you and you said you're on the way. But like, why would you immediately be worried? Because it's been hours and you're not answering me no matter what I do. She's a helicopter wife for sure. But like if you were supposed to be home in a couple hours and she was planning on it,

then all of a sudden like you're just like stuck somewhere. Yeah, but like, I'm the kind of person. I'll sit there and talk to some random person. in a gas station for like an hour. Like, it's not. That's not the same. You would answer your phone then. No.

Yes. You would say something like, hey, real quick, be right back. Like literally anything to say that you're not dead somewhere would be sufficient. And I would leave you the fuck alone. But no, I don't even get that. I just wouldn't share a location. Yeah. He doesn't anymore.

Fair. Well, I'm just not going to let him go to his friend's house anymore then. What? Yeah. He doesn't ever go. So he just can. stay at home if he's not going to let me know that he's on his way home. Does she have that control?

Like, I'll just, I'll leave if I want to go do something. I'm not worried about that. And you think you can stop him? He's not worried about anything. You think you can stop him? How are you stopping him? I haven't ever tried to stop him before. How will you try?

I don't know. What's left? Being dramatic, I don't, I mean, it's not being technicalities. But I will be upset if he tries to do something like that again six-hour conversation about it. Yeah. I just sit there and say nothing because what the fuck am I supposed to say to that?

Yeah, you guys are fucked up. Yeah. $1,156.38 on this for Tiva credit card again. That was him. So I was trying to say. $80.28 cents a month. Just made the minimum payment essentially. Yep.

No purchases, but there is interest. There is fees. Why? Paper statement. Why do you have to get paper statements? You're paying for paper statements that you probably never even look at. No.

No, I do. But she doesn't... Why? I like to have them, but she doesn't ever open... So she doesn't open mail. She will not open mail. So when I get home, I have all the paper stuff I can go through and look at it all.

And then I shred everything. Well, you have a credit one too, buddy. And that's like the worst credit card you can get. So no, I don't trust you. I'm paying off the bailout. Oops. I just don't. It's basically maxed out $627.

$0.87 with a minimum monthly payment of $32. What was for Tiva for? Would you rack all that thousands up for? Fortiva? Yeah. That's the alienware. Gaming PC? Alienware?

Yeah. My laptop. Oh. Well, I guess mobile. No, I didn't even get the crazy one. I went, like, basic, like, a thousand dollar laptop. That's basic. Yeah.

Oh, no, no. She can't say shit. Her laptop's $2,400. She doesn't know what she's talking about. But like, did you have to do this? The laptop? Yeah, yeah. I wanted to play World of Warcraft

because the Burning Crusade popped back out. Wanted. You put it on a card card card that is a growing interest in fees. Wanted. With your money, you should have bought this in cash easily. Done, dead. And the difference is, I used mine for college. I didn't want to have to explain $1,000.

For nutrition. It's still a degree. It's a degree for something. A business you're trying to start that is never going to do anything. I mean, it might. Probably not in Arkansas. That's a conversation I have, and then she gets mad. Oh, you tell her that it's going to not work?

How do you say it? She wanted to do the Dula thing, and then, like, I fed into all that, and she was making hell of killing with one client and then stock. And then, like, we had our daughter, and I delivered her at home myself. Like, that was crazy. And then they kind of just fell off because COVID and then never picked back up. And then she wanted to do the nutrition thing to, like, help with the Dula thing. But it's, like, in the area.

In the area we live in, it's not even practical. Like, I would say the average income in our areas, maybe 20-something thousand a year. Why do you guys live in a piece of shit, place? We have to for my son. His dad lives there, so until he's 18. Hey, what fuck were you doing? Why are you popping on a baby with a random dude at 18, freak?

I was actually married, and I was 20 when I had him. Why? Military wife, because I'm an idiot. Who did she did on who? He did. On me. The bartender. Yeah.

So that's what Bray... Oh, that's why three months after he got back for an entire year of place. Do your bars ever have tities in them?

They're shit. They're old women. Titty bars? I'm talking... Strip clubs. I ain't doing nothing at a strip club. You're not going to strip clubs?

No, I'm saying those women have been passed around. I ain't touching them. Like, why would I even think about that? I don't believe that you'd never done anything in 11 years. I'm selective. Like, I would not go to a strip club

if that's what I was wanting. You're selective, but you've done nothing in 11 years. years. Yeah. With women on Snapchat and Instagram. What? You would see why somebody might have their worries.

I think it's... About bars. Or not being somewhere when you say you will. Okay, you have a Bank of America. Okay, this is maxed out. You actually spent money on here while you're going a shit ton of interest. It takes 11 years to pay off. All kids will be out of the house.

What are you doing, man? Klarna. You're purchasing on Klarna on here? Wait. What? Are you paying? What do you mean? So many payments. What Clarna? What Clarna are you paying for? Clarna? Is there like Clarnia premium? Do I not even know about this? I don't know.

It's 25 bucks, dude. Oh, that's probably... Is it a Clarenet that you're paying a debt with? But you're paying a debt with a debt? You're paying a credit card? Wait. I don't know which bank of... I have three Bank of America accounts. Well, it's the one that you get Clarna on. Yours. He's had late payments every month this year so far. Yeah.

Oh. I'm not surprised. Did you know? No. I mean, but I'm sure that the only ones that are on time or the ones that... She has access to that account. The credit card. It doesn't matter.

Checking account. No, I have, when you pull up the app, it has the checking account. And then the credit card's right under it. So she could see that if she wanted to put it. You're late every month, dude. This is pathetic. Why are you spending money when you're late every month? I pay my bills.

My bills are paid. That's what you said. No, they're not. I don't remember it being late. I pay it. It's been late every month. Well, it's not like, okay, it's not technically late until it's like, what, 14 day or 10 days? No, I didn't say missed payment.

I said late. Yeah. So I don't mind paying things late as long as it doesn't hit the 10, 14 day, and then hit the credit. Why? Because you're still having to pay an extra $120 added to this card this year. And then more interest as well. You're having to pay more money for it. It's not late on the credit, though.

No, it's not a missed payment. It's a late payment. late payment. Late payment means you're paying more for it still, though. You're still facing a punishment. Just not on your credit report. Cruing it. Huh? I said accruing more interest, essentially. All right, let me handle the financial conversation. What, it's $100?

$100 this year so far as of two months ago. So it's more. $300 hours in interest as well because more interest is accruing. It's going to be well over $1,000 by year's end at that rate. And again, you're paying a credit card payment with a credit card. Capital One. You! Shocker! It's you! Basically, maxed out $413.56.

A little more than a minimum, but you didn't even pay the last one in 10. So this makes no sense. This is all over the place. $25 a month. I opened up that one a couple years ago and just... Congrats?

Never went back to it. We've had late fees this year. Even though you paid a little extra of that time. It makes no sense. You're all over the place, man. This is just... a mess. Credit fresh. I've never even heard of this. Oh my death. It's basically maxed out. What is this, dude? I just took the full load out in cash and put in my bank account.

A four way. I was trying to use it to do debt consolidation. Oh, you fiendic. The credit one. It's a, it's at $4,031. What are you doing? What are you doing? You fucking. minimum monthly purchase, $200,000, billing cycle charge. And that's a fee. Fee? Why is your fee? Billing cycle charge fee. What's your normal payment?

Oh, what the fuck? This makes no sense. $250, $0.50, $0.3. Minimum payment, but then there's a billing cycle fee of $214. Is that every month? There's no clarification. Where'd this money go? Did you consolidate?

No. I did, but then I maxed the cards back out. Oh, what's even hot? It's above the limit. It's at $4,800 now. Did you know that? No. What are you going to do about this?

Do you care? I mean, it's his fault. Don't get me wrong. But like, what are you going to do? I mean, I care. Probably a $300 payment now. I'm a lot. I have no idea how to deal with all this.

I don't know. But he's your partner. He's going to do this forever. And if he doesn't get fucked, then. Yeah, I mean, I'm a balance. So this is your life forever. Yeah. No.

I do not want that. Yes. But it is. Yeah. But in fact, it is. I will move to Mexico. Okay, well, congratulations. There's no consequences.

Yeah. Just go ahead and keep doing this. Does it even matter? Affirm. For Evolvie play, seat geek, jeez, Walmart, box lunch, Easy Bay, Royal Merchant, beer can boards,

Hollister, Easy Contact American Eagle, King Body Jewelry. Who says this? This is actually not labeled. That's all his. Yeah. There was, like, clothes for the kids

and shit. All that's for the kids? All the games, all the everything. No. Shut the fuck up. $384.484. Oh, you... Dude, I don't even know what the

deal with you. You need more hobbies on this boat. Because you just spend money in your board. I recognize this spending anywhere. This is this boredom spending. I guess it's $96.12 cents a month. This is boredom spending, dude. Finally, you.

Capital One. Hey, you're purchasing on it, nearly $600. Yes. Why? Because I have no money left in the bank because he's spent it all. Oh, we'll see when we get through the checking account. Let's confirm if that's true here in a bit. Luckily, it's not maxed out, $25 a month.

Interest is accruing, though. Okay, but what are you doing at Walmart for $5.14? Like, you got groceries for $1.12, but what did you get for $5.14? Probably something I forgot. I do that a lot. Yeah, because then you did it the next day. Maybe cashback fee? No, it wouldn't be that much.

And five below. Taco Bell, again, 16 at Walmart. Dollar General 12. Dairy Queen, is that what you need to do? Yeah. No, I don't need it. Do you do Taco Bell? No discount.

Yeah, but that's $5. What the fuck is that? Cones? Some ice cream cones place? 30 bucks. Oh, geez. Yeah. Right?

Like, what are we doing? You're saying, I don't see any money. I don't have money to spend on my checking account. but a lot of it's bullshit still. And inches is accruing like crazy. I guess the affirmed balance is even higher because you bought her a $500 birthday gift that you said he buys you nothing.

He, I guess he has something to make up for this year. What did you get her? She don't know yet. It's next month. Her discovery card. I don't even have a statement. Hey, you're worse than him because at least he sends statements. Oh, it's closed.

Yeah. But it's not in collections? No. that one's been paid off. Oh. I think that was like a long time ago. I think she just paid like a balance on it. It wasn't completely closed down.

Hey, point of sale in Stolman loan. Affirm. Why don't I have your affirm? Again, I could see his affirm. Why can I see yours? Well, I wasn't told to send it in with his stuff. I told her to be a lie. We ask everyone to send in their statements. But it's up anymore.

I think she has like $890 in a firm. Oh, that's higher, great. Yeah. What are you getting? I got stuff for my cats. Like cat tree, like coffee bar. You all suck at life. $22.

Her? Kornah. What the fuck do I do with this? $160, $116. That was for his Christmas present last year. Oh, and you still all on it. suck. Oh, we're back to him, the guy that can actually send statements. 12% loan. Okay, what did you borrow from a...

Two and five Canadians will hear the words, you have cancer. That's why every step and dollar raised matters. On September 19th, join thousands in Toronto for the Princess Margaret Cancer Foundation walk. Challenge yourself, friends, and family to walk 21 kilometers in support of life-saving research. Together, we can carry the fire and help create a world free from the fear of cancer. Register today at pmcf walk.ca.ca. Power. That's 401k. And then I pay it back because I'm just paying myself the interest. Yeah, but you're still losing money because you're not getting market gains. No, they still cut. They take the full balance. Like whenever I borrow from it, I still have the base amount. I'm paying it back, then I get the full ballots back on it. I'm not losing money by taking it out.

No, no, no, no. I'm not saying, I understand you're paying yourself back interest, but that money of which is tied up in the loan is not accruing in the market. I didn't know that. I thought it still was. And guess what? If you did get fired from that job because you got arrested or would have been called due. So one of those was, um, there's two. And what was this for? Uh, down payment on the house. Part of me from K for a down payment in the house. Mm-hmm. Okay. Now, for what it's worth, the interest that you're paying back to yourself,

but you're having to pay it, so it's still your money is that 12% instead of actually just getting a free 12% from the market. So when you think you're paying it to yourself, it's still you just putting money in. So stop thinking it's like a return. It's a very weird perspective you people have on this. I would rather pay my self-interest than some company, though.

Yeah, but I would rather you just get the interest for free instead of you having to put it in there. What? Plus, how about instead of borrowing for a down payment, you'd just save up money and get a down payment? It was $900. Okay, well, that's the second one. Okay, your payoff quote for something. I don't even know. What the fuck is this, woman? Oh, for my Jeep. Oh, great. Again, you can't send a statement because you are literally...

$6,529.24. Smas. Smacking your lips isn't going to help you get out of that. What is the payment on this? 423. What's the interest? And that's why we would like a statement. You actual piece of shit, incapable of helping me do anything. What do you think it's worth?

Two grand. Not that. $800. You're the Volkswagen, huh? Yeah. 17% interest. Wouldn't be surprised if it was pretty close. $12,809 with the minimum monthly payment

of $3.49? 349. These balances aren't the worst balances for car loans for your guys' income position. But the interest rate is horrible and the terms are very long and this is worth $600. Yeah. $600. I was going to trade it in and they were going to give me $6,000 for it, but I didn't want to take out another bigger loan. I didn't want negative equity like $6,000. Here's your other 401k. There you go. It's $8,600.

Okay. Checking accounts what I'm most curious of, but here we go. That $8,000 was the balance in there. I don't think that's what I, that's not what I took out. That's probably true. I don't know. I don't see it on that sheet. Okay, you got $40,000 to sit alone, don't you? Yeah.

For not even having a degree. I have a baby one, but yeah, going to have a bachelor's. You mean associates? Yeah. You suck. But that's deferred for now. Okay. You said it's $40,000?

Oh, you betcha, buddy. It'll be more. $192,330 on this house. Interest rate 6.25. Yeah, that kind of makes sense. Minimally payment, $1,509.7. Okay. I can figure out about that, but I don't like you borrowing to get the down payment. Now, $149 in the checking account. This is what I wanted to get to, and this is the joint account. So let's see where it's all going. Tell me who did what. Sonic, Sonic.

Me? Okay, so you're taking from the checking account for that bullshit. Burger King. All the fast food is going to be me. Oh! What about Hobby Lobby? Would he go to Hobby Lobby? Doubtful. Oh, that's interesting. Sonic driving. Hmm. Hmm.

Liquidate. Mobile purchase. That's him. Yeah. Okay. Bargain. Uh-huh. T.J. Max. That could possibly be him. Bullshit. Papa John's brew. Coffee chat, G.P.T. I saw he had Jepts, GPT, but those two going out to eat is yours. Taco Bell. Amazon. Sonic.

Amazon could be him. Sonic is yours. Sonic. Sushi, you lucky brand. You Hot topic, maybe him. Uh, bullshit. Lots of bullshit all throughout stopping in and getting low item purchases. Could be both of you.

Sushi, definitely you. Burger King, definitely. Pizza Hut, definitely you. See how this is going, woman? No, the fancier eating usually when... Shut the fuck up. McDonald's, brew coffee, bullshit, bullshit. Taco Bell, Sonic.

You said he spends all his money. I have to put it on the credit card because he spends all the money and drinks out. Literally the only thing I spend on his food. Yeah, and you spent hundreds of dollars. On groceries as well. What, cook, woman? You complained about your entire life.

Not as expensive as much. Not as expensive even close to his food. We dropped like $500 on groceries. So, I mean, it's arguably about this food. No, it's not arguably. It's not even close. You spent hundreds of dollars, drained your checking account,

and then you say you don't have enough money so you have to put it on a credit card. You're coping your entire life to make bad decisions. You're pathetic. You're upsetting to be around. Okay, total income. Practically, you... Okay, 7,000.

50. Good. That's our average. Let's get our minimum fee debts. This is going to stack. Let me tell you. $3,7.30. That's crazy.

And $7. That's including with the mortgage. What are utilities? Utilities, internet gas electric. Come on. Waters about 32 a month. Electric's about $160 a month. Internet gas.

Internet was $120. I dumped it down. Okay. Gas. If I have gas, I don't know. We don't have gas in our house. I'm going to say it's 312, just whatever. Phone bill.

How much? 310, 320? Listen, I would do helium for her. Maybe not for you because you're out in the water, but I would do helium for $15 for wine. It's good in most places in the country. You have to have the phone's paid off. I do the trading.

Yeah, you have to do that. I'll also get you a course career certification so you can get a job instead of this pretend homemaker. No, you're not. Bullshit, shut up. You can get any tech and the trades and a lot of, of different things. People in the audience use it to get a six-figure job. And then I'll guess you guys also set up with a chime, uh, chime card as well. It's really good. Lots of benefit signing up

for our audience, but I'll get you it as well. So check that out. Okay, gas. Broom, room, drive, drive monthly. How much? Oh, that's what, we don't have any gas utilities. No, in the car. I know, but he put $3.20 for the other gas. We don't have any gas. No, we didn't. He added it. Shut off. I do the budget because I know. I don't do a lot of drag. So just answer the question.

I am now. I said I don't have a drink. How much gas do you purchase? No idea. I maybe put $30 in a week. Oh my. Maybe. Sucks, man.

Okay, you? None. I'm on a boat. But yeah, but not always. When I'm home, I just use the other car. I mean, like, we only drive one car. I'm going to round it to 175. 120.

120 a month. Probably a. Okay. I'll do 300. Okay. When I come in off the boat, I got to run. I don't pay gas. Car insurance.

300. Necessary food. You and the kids, all this stuff, but you're kind of gone all the time. We should be able to do about 800 meal preps meal plans and you actually have to cook. And yes, and it's a lot of warming up more than anything because you prepare it a lot. But you have to do it while you're on a budget because your debt payments are way too high. TP. Anything else for you and the kids that includes schools-wise activities, all that good stuff.

It's different stuff each month, but you should be able to do $300 a month. Medical, healthcare, co-pays? How much? I never go, but I think our co-pays are like 30. Well, okay, if you don't go, then I don't have to budget it in, dude. Is there a gym? Hell no. Okay. Okay.

Subscriptions, I'll do $100. Pets. How many cats? How many dogs? What? One cat. $50 bucks, pet insurance. How much for pet supplies monthly?

I would say around $100. Okay. Anything else that needs to be in this budget? that I did not do. I don't think so. I would say subscriptions is probably more... Except no, because you're cutting that is the point. This is sacrificing.

Do you get that? No. Huh? Who are you sacrificing for him? Yes. Okay. Interesting. Okay, $6,312. $7.7 a month.

You're going to take forever to pay off this debt because that is only a wigger room of about $700 bucks and of the debt being $272,870 but we are subtracting $192,330 of mortgage and we are subtracting $40,401 of student loans leaving you with $40,000

of bad debt, that $40,000 of bad debt with the 750 left on a monthly basis that's 53 months that is too much literally you just go work double the time you're doing now and you guys pay off this debt in like a year two years, two years, but right now this take four and a half, which is ridiculous. That's with our student loans?

Without. Without. And without the morgue. You need to go get a fucking job. Use the course career certification. Stop with this bullshit business thing that is never going to work where you are. Go work. Even what you're doing right now, double the hours.

Pay off this debt in two years. Then get a fully funded emergency fund. And then live 50, 30, 20. 50% on needs, 30% on wants, which will be a good amount of money for your guys' income. And 20% and then 20% goes to investing because you guys. You guys need to dramatically catch up for your mid-30s. You guys are far behind. In fact, that I'll do 50% on needs, 25% on wants, 25% on investing.

Okay? Now, here's the thing. I got to give the Hammer Financial Score first. But the thing is, in the post show, there's something he did recently. What? That he did behind your back that is going to blow your mind. And I'm sorry. So just, yeah, we will go into it in the post show.

But let's get the Hammer Financial Score first. spending your budget you didn't overspend but it didn't go any it just broke even but everything went to just bullshit nothing to progress of debt so one out of ten

debt there's collections zero out of ten by that close account and emergency fund nothing zero out of ten retirement you have a little bit but you have a 401k loan

and get it against that and vary behind a retirement so two out of ten real estate I don't know what's the house worth 220 okay so you would barely you wouldn't even break even you'd have to write a check to sell it

so that's not great interest but you have a 401k loan against the down payment. Not the best. Lease you in the market, three out of ten. Hammer financial score one out of ten. Get your updated score at Calebhammer.com for free. Now, join us in the post show, plus an extra three premium shows every single day, six days a week, the best membership on YouTube for a reason with over 100,000 monthly

active subscribers because it's incredible. It is the best on the platform. You can also download the Hammerlead app or go to hammerlead.com. You'll see us in the post show. I mean, I would like for him to finally realize that it is. It's a mess. Yeah, do you think he did? I think that he will probably try really well for a couple of months, and that will be about it.

And then what are you going to do after that? It's been a lot of times already. I am not going to keep sticking around for this. So you mean divorce? I just launched the brand new Hammer Elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free.

Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join, and that's a promise. I want you to be on the next episode of Financial Audit right here in Austin, Texas. If you think you have interesting finances with an interesting personality or a story or a life or relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time. hanging out. Go to calebhammer.com slash apply or click that link in the description below. Two and five Canadians will hear the words you have cancer. That's why every step and dollar raised

matters. On September 19th, join thousands in Toronto for the Princess Margaret Cancer Foundation walk. Challenge yourself, friends, and family to walk 21 kilometers in support of life-saving research. Together, we can carry the fire and help create a world free from the fear of cancer. Register today at pmcf walk.ca.ca.