Financial Audit - The Craziest Reveal In Financial Audit History

Episode Date: August 24, 2026

*I CALL THE GUY SHE CHEATED ON HIM WITH* and I fully expose their situation, and it gets soooooooo messy, you won't belive it. Watch 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 NMLS #182334 nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 866-574-2500 for details about credit, costs and terms. Visit https://AmericanFinancing.net/Hammer Average savings based on borrowers who save over $199.99 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 02:01 Jobs & Income 07:05 bro got yeeted from the military for WHAT 14:49 buddys an actual dog loool 17:39 only staying out of “obligation” is brutal 21:00 SHES A CHEATER TOO??? 27:10 buddy had an AI girlfriend too… 31:20 what is this episode 39:25 trans p*rn? good for him 41:40 THIS HAS NEVER HAPPENED BEFORE!!’ 50:45 child endangerment, the American way, god bless 55:10 sis really isnt holding anything back lmaao 59:47 hes such a f*cking loser 01:07:45 lmaaao bro can’t even scam the system 01:09:00 theyre just awful, stealing from the kid? 01:15:55 okay i genuinely wish the worst for this guy wtf 01:22:40 why is she even here still 01:28:33 no fade on comp 01:31:10 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

To watch episodes of Financial Audit a week earlier, check us out on YouTube. He fell asleep on FaceTime with another girl, had it screenshot it on his phone while we were together. I don't get it. I don't get it. Out of obligation. Like, we have a child together. Yeah, that's literally the only reason. He had an AI girlfriend, great.

Okay. He did. He was Haley. She was a blonde. A curvy little blonde. Did you care? Yeah. But it wasn't like, oh my God, you're cheating on me.

It was a, oh my God, you're a fucking loser. Like, I'm embarrassed. What the fuck? He also said this episode, this is going to be his, like, last straw, by the way. I don't know why it would be his last straw. So there's the FaceTime. Are you counting that?

Yeah, the FaceTime, the military, AI, and then the other one. So what's the other one? Those are the guy. Dollar Wise 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 the annual version because this saves a lot of money and you get my detailed 30-day meal plan signed by me mailed directly to you plus the digital version of my cookbook for each recipe. Don't miss the opportunity of a lifetime. Download Dollar Wise and start your free trial. Go to dollarwise.com or click the link below. 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. and 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. Hi, I'm Remy. I'm 25 years old. Hi, I'm Jacob. I'm 26 years old. We are from Pittsburgh, Pennsylvania. And this is Financial Audit. I'm here to get the truth because all he does is lie to me. That's what was at the top of the application to come on the show. I'm guessing he is you because you're the guy. That's interesting. I'm very curious.

to learn more. But first, Remy. Yes. Well, thanks for coming down, guys. What do you do for a living in Pittsburgh? Pennsylvania. I cashier, waitress, and then on the side, I clean people's houses. Okay. Are you making money?

That's hard to say. Are you? I mean, what are you getting paid? What's your hours? What's happening? So when I waitress, I make 283 plus tips. When I cashier, I make 13 an hour. And then I clean a house.

I make an extra $100 a month. Rest Belt Cities. Midwest Megalophilus, not usually the most expensive areas in the country. Pittsburgh, I don't have the full debt off the top of my head. I feel like that being half of the income, you could actually do halfway decently. What are you making normally a month net? Roughly $800. So like my paycheck from...

What the fuck? I only work three days a week. I'm part-time. We have a two-year-old. So I watch her and she's in daycare part-time. What is the cost difference between daycare and you going and just working? Daycare is $600 a month for three days a week. Okay.

And what would it be for five? About $1,000 a month. Okay. You would net more. Probably. Based on your income. No, not probably. I mean, for three days, you're making eight, you're making eight, spending six.

You're netting. It's not great. If you work five and have them watch for five. you would net and we would probably be an extra 100 or 200 up. Probably, but I... Your career is a joke. It is. This is nothing.

We're not going to survive off of this. You're right. But that's why I'm in college. When we choose to bring a kid, okay. Good. What are you studying? Engineering. Okay, what kind?

I mean, that's good. Environment. Well, right now it's just broad associate. And then from there, I'm going to go to... We're still an associate? Yeah. It's not going to take forever. Yeah.

I mean, if you're working and taking care of the kid, How much, how many credit hours are you taking? 12. So it's like, bare minimum full. So, okay. How long I tell you I have a degree of which you might be able

to make money from that degree? So I'm going on my second year this year. It'll probably take three years total. Bro, his mom's paying for the daycare. Right now, yeah, because we had to catch up. But don't tell me that, I mean, yes, it is expensive, but why are you making it sound like it's all in you? His mom's paying for the daycare.

At the moment. You lie to pay her back. I have to pay her back. her back. So like I... It's a debt? It's an accumulating debt? As of right now. So I wasn't working. What do you mean as of right now? What does the as of right now mean in this context? So I have to, I have to catch up what I owe her and then take over paying daycare because... Catch up what you owe her in what way for her paying previous daycare or something different. Yeah. So I, there was a three month period where I wasn't working. Why? I, between school and

taking care of our child. Why was working? Why was working? So I was working. And why weren't you working? Because we needed somebody to cover a child. So so how many hours is? The week were you working? 40. Why weren't you working when he got home? You know, this is what people were going in the history of ever. During that time I was. I was, so I, there was a three months.

You just said you weren't working. Yeah, why weren't you working? I was focusing on school. That was like my main. We had discussed it. But you were going into debt and the family. So at that point. I didn't know at that time we were going into debt.

To the, into your family? Yeah, all together. What do you mean? He was doing it secretly behind your back? Yeah. Oh my. I didn't know how much money was. Okay, so great. $600.

Is that what you said you make? $800? $800 a month. A month? Okay. It's not a household. What do you do? What do you possibly do? I'm a decent mechanic.

Make $24 an hour. Okay. There's something. There's a fucking start. 40 hours a week. What do you net? My net is $3,200. Okay.

We can pay bills on that in Cincinnati. I also have a second job that I'm... Really? Only recent. Yeah, only recent. for the... He's doing. I made him go get it.

I applied for him. Okay. Why are you freaking out about the only recent? Because the, the, I had found out about to...

It's been a month and a half that I've been working at this new job. I had found out about an extra thousands and thousands of dollars of debt

that I wasn't talked to about. Okay. Well, we'll get into that. I need your income situation. What's the second job?

So I'm a dishwasher slash cook. Okay. What do you make with that? 15? 12. Yeah.

Okay. What extra comes in a expected since it's so recent. 1,000. Okay, good. I mean, listen, 4,200. Or 5,000. 5,000, that, very good.

You have disability, right? Mm-hmm. You're in the military. Was. Are you the first person in the history of the show in the military to not get disability? Well, you were kicked out of the military.

Yeah. How do you get kicked out? You have to do something. Why'd you get kicked out of the military? First, what were you serving? What was your service? Do I say thank you for the service that they get kicked out?

What's the rule? I mean, you can say whatever you want. Well, I usually do. What were you doing? I was in the Army. Sure, doing what? Deast Mechanic. What the fuck?

Did you blow up a car? I wish. I mean, honestly, that would be more fun. Why are you kicked out? I was accused of doing something that I didn't actually do. And what were you accused of? Apparently having nudes and having a sex video on my phone. Nudes?

From another person. He was cheating on me while I was pregnant. But. What is this show? I swear. This wasn't even... I scanned the notes and I didn't even see that. So originally, I had found out when he told me that he was getting kicked out.

So this was two years ago, because your kids too. Sorry, go ahead. No, you're good. When he told me he was getting kicked out, he told me it was because they had caught him watching a racist TikTok. And I know, like... Think of anything that was racist. That's black. I know.

He was trying to stereotype. He was just like, oh, cool. Hool-Aid and watermelon and fried chicken and I laughed. Yes, bean races is fun. I know. So I was like, I know you don't get kicked out of the military for just watching a TikTok. They'll article 15. You, they'll take your paycheck, but they're not going to kick you out of the military. Okay.

So like in the back of my mind, I can't figure it out. I have no clue. I'm not going to go into his first sergeant and his first sergeant is going to tell me. Okay. So I just believed that it was a racist video until two months. Stop your vocal fry. Talk like a normal person. Until two months after...

Okay, she's not. How do I... Talk like normal. Am I not talking normal? Is that her normal? She's a vocal friar? Oh, continue. Well, two months after we had our daughter,

he was on FaceTime with his friend who was deployed into Poland. And his friend was, they were talking about why he got kicked out of the military. And he was like, oh, because some dumb bitch and turned all of the volume down. And his face got beat red. and he stopped talking and left the room.

And then wouldn't tell me or elaborate. His name is Jacob. Can we stop this? You know how many bleeps we're having to do right now? Woman, please. Jacob. I already told it. So what happened?

Give me a piece of paper and a pen. I can write it out on the desk. What happened there in that moment? You got caught. He got exposed. Yeah, I got exposed. Buddy, you can't see you didn't cheat if you're lying about the reason you got kicked out anyway.

Why would she believe you in any way? Why would you believe? Why'd you lie about the reason you got kicked out? Because he's a shame. What? He's like actually still confused by that. You didn't have an answer for that prepared? No, not really, no.

What? You haven't thought about the reason you lied in two years. I mean, I didn't really have to lie about it. I mean, I could have came out and said it. But you did lie. We're trying to figure out the lie. Yeah, it was just easier to come up with something other than that. Why not just say you're cooning, dude?

Because I was pregnant and I would have kicked him out. Because either way, it's stupid. Well, let you say you're watching. or something, right? I mean, that's closer to the reality. I mean, that's close. So what did you, you had images of another person that was serving?

Supposedly, I had pictures. No, no, no, no. I'm sure they were going around the base. I'm sorry, but the MPs did a full investigation. No, they didn't. Yes, they did. They did a full investigation

and kicked you out. They're not going to do a full investigation, deem you worthy of being kicked out. If you didn't do something. If they did a full investigation, they would have asked for my phone, and then I would have told them, here, here's my phone,

here's my shit. She probably gave enough evidence to show, hey, yeah, he has these. No. They still would have asked. No? Okay. They still would have asked for my phone. But I can't even trust that they didn't. Okay, so sex... Well, for having nudes on your phone, they're still going to ask...

And sex videos, apparently. Yeah. They're going to ask for your phone. Is it involving you? No. Her and her sergeant. Why do you... Her and her sergeant? Yeah. Good f***. What is happening over there?

Like, I mean, I get it. It's the army. You get lonely, apparently. I don't know. No, I mean, I get it. I mean, we were in California, obviously, which is gross, because there's no showers and there's no nothing. So you're just, it's, you're in a clamshell basically, small and like fish. Huh? He was, he, he's trying to say that he was on a, like, a mission or a training organization. So I was in, and so I was at NTC, which is the National Training Center in California. He advised you to get a lawyer, though, and you didn't even do that. Well, they asked

me to get a lawyer and I said, hey, am I going to, if I get a lawyer, am I going to, if I get a lawyer, am I going to be able to, you know, turn it over and win? And she goes, probably not. Probably not, but maybe find out. So dishonorably discharged? No, general with honorable conditions. What? Yep. I was told other than honorable.

No, I got a general with honorable condition. Why are you saying cheat? So like for this instance. For this instance? Yeah, for this instance. Sure. Let's go with this instance. And I guess we'll learn about more instances.

So I personally don't think having nudes or pictures or situations. involving other people that you're not disclosing as loyal. Like, had he been like, hey, yeah, this girl sent me this, I just want to let you know, like, that would have been different.

But, like, you hid this stuff behind my back, got kicked out of the military, and then a year later to me. That's cheating to me. Which also just, like, I own it. I mean, I assume military bases, high school, small colleges.

I mean, that shit fucking happens. More and more of these days. Like, it just happens. Just own it. Like, people are treating it around. It's not a good thing, but like you were young, everyone was stupid, just own it, move on.

Right. But, I mean... You're not ready to own it? Like, I don't understand the point. He never owns anything. No, it's just he just... What is the point to not own or I would own it? Like, I don't care.

I own my mistakes in the past. I was over it, and then it was just like, okay, I'm out. And then I'm with my kid and I start working, like... But you had multiple witnesses against you. Yeah, multiple. Against you? Yes.

Why would there be multiple witnesses against you? Because they didn't like... What's this grand plot? They didn't like me. Why? One, I had to go and work on their vehicle more times than none. And then I told them to fuck off, basically. Because I was tired of working on them.

Because he didn't want to do his job. I was the only one doing my job because my sergeant wanted to be in the truck and just sleep and be on his phone all day and just basically fucking. off and not worry about his soldier being out with no, I was going out of sleep for 36 hours. Okay, so we're completely in line that I totally. Like, at least had pictures at some point, maybe deleted them and checked off to the video a couple times. Yeah, something. Yeah, something.

Who cares? I mean, it's not good, but it's in the past. You can just apologize and move on. Or if you're doing it now, I'd say that's the first time I've heard of it. I didn't find out that it was, it was nudes and some girl until just now. That was the first time I've ever heard. Yeah. Why do you do this?

I don't understand how. This is two years ago. She knew that there was something more. I've been trying to get that information. He was like, it's nothing. It's literally nothing. That's the answer again. Wait, why are you with him then?

I couldn't be with someone like that. I'm codependent. Yeah, be codependent with someone who'll tell you that. Why hide that from her? I don't know, because I just thought it was dumb and it was like, it's over with. It is. But why not just own it and move on, dude? Again.

That's what I was doing. It's just trying to move on. It's just like, leave it in the past. But own it. Own the mistake. You learn from it. Yeah, I have a mistake of being kicked out of the military. No, but you didn't own the mistake of your act.

Like your mistake, your action. It wasn't a mistake you got kicked out of the military. You got kicked out of the military because you were... Right. Don't wrong. So you said this instance? What's another instance? He was, he fell asleep on FaceTime with another girl,

had it screenshot it on his phone while we were together. I don't even know her name. He still hasn't even told me who she. She was. What? Wait, and you're still with him. Yeah.

That's insane. I'm sorry that's bad shit and say. He's the bad person in that context, especially not telling you. But I'm done. For staying. No, I just, I. Right? The two ladies in here?

Like, that's insane, right? Like, why the fuck could you stay? You're choosing to stay at that point. So, what will happen when? When? So that was probably six months into our relationship. Oh, my, my, fuck. Like prior to me even getting pregnant.

So I had an out. and I still didn't take it. So what happened there? Nothing. Just. Who were you FaceTiming? I don't know. It was from somebody from Alaska.

You don't know who you were in. Someone from Costco? No, Alaska. Okay. How'd you meet her then? Snapchat. They just added me on a, like, people you may know or whatever. Uh-huh.

Yeah. Who asked who for a call? She called me. She just went in and called videos. she gets your number because it was definitely on FaceTime. It was a FaceTime screenshot. Okay. So somehow she got your number.

You called. What were the expectations of the phone call? There was no expectation. Okay. Then what did you guys talk about? We just talked about like life and then. I talked for a long time because you fell asleep. Me falling asleep was because I was on a 24 hour bender of no sleep.

Bender? Yeah. So I had. What? I had, um. He was working. Oh, okay. Working's good.

Yeah. I got that. They had 24-hour duty. And you saw this and then what? I confronted him, but like at that time I was like kind of homeless. So I was, it was just like whatever. I was deeply homeless because it was deeply homeless. Yeah.

Her husband kicked her out of the house. Well, you had a husband while you were with him while he was cheating on you. We were already in the process of divorce before I ever met. Look at you, 26 with the baby and already one divorce? One divorce. One divorce in. You guys are married now? No.

No. No. Hard no. Hard no. Hard no. Go on. Why would I tie myself to somebody who can't even talk to me? I did. Yeah, that's automatically tied to him. But why would I like financially and for the rest of my life? You guys live together and you have finances. I'm not assuming his debts.

Okay. I don't know. You guys might have some common law marriage as well, by the way, but... In seven years in Pennsylvania because we live in a commonwealth. Oh, geez. Okay. So, why are you with him today then? Why not go work on your whole future relationship? It feels more like out of obligation. Like, we have a child together. Yeah, that's literally the only reason.

How does this make you feel hearing this? He's heard this before. You're chill with it? Like, you don't give a fuck. I wake up, go to work, come home, go to my other job, come home. You don't get to use that as an excuse anymore. I'm not using it as an excuse. Literally in the past month.

Still, even then, even then, I would go to, I would wake up, go to work. And then you were home by 3 p.m. Right. And still did nothing. No, I stayed with the kid while you did other things because you were like, hey, I had the child for all day, pushing off the child to you. It wasn't push off the child to you. It's, hey, I need to get some stuff done while you sit here and play video games or school. You would call me and be like, I'm over exerted.

I can't be touched. I'm touched out. Like, you need to get here. Yeah, that is very true. But do it. But there was also a list. of things that needed done and you're a dad. Like, you can be a parent too.

Right. And I never said I didn't have to be. I'm just saying that, like, I came home. And I needed, and I just wanted, like, 30 minutes of my time just to relax from work. And then I could be, like, I'll go in and be a dad. But it was an incident. He was working on a line assembly. Like, you're home by. Yeah, but it's okay to when come home have 30 minutes of, like, relaxation and then get back into it.

get like maybe not 30, but he'd have like 15 minutes go upstairs, get changed, breathe, maybe shower, and then come back downstairs. That's a, I mean. But she's in bed by seven. Like we have, we have eight. Yeah, it's supposed to be later. But he's getting home to three. Yeah.

So there's a lot of time if he has 30 minutes to relax. Yeah. And then it's. So what's the, like, yeah, maybe a step up more. But I think 30 minutes of relaxation when he gets home is not the end of the world. No, it's not the end of the world. Like, I never, I never, I never. out because he wanted 30 minutes.

I crashed out. Well, why is this the topic then? She said she doesn't care if you have 30 minutes of yourself. I mean, I mean, granted, I mean, she's with, you know, her all day. Yeah. And so, like, I get that she gets overwhelmed and everything. No, of course. No, no, I'm not opposed to you wanting to break her, her wanting to help.

No. Well, why, she just said she doesn't care if you take 30 minutes. I mean. Is that even true, though? I mean, the reality is in the pre-interview, she was calling you a late. piece of shit multiple times. Oh. Yeah.

Why? I am lazy. Because you don't do it. He doesn't do anything unless I like nag him to do it. So we have we have an agreement. I don't take things like into initiative. Like if I see something I just like leave it and until I have to grab it. I don't get it.

I don't know. It makes no sense. Yeah, I know. We are you with her? She'll mother. She'll mother you and the baby? Yeah. because I trade him like his mom.

Did we have this kid intentionally? No. I love her. Like I would never take that back. Oh, definitely didn't plan this child. It wasn't planned at all. Do you guys sleep in the same bed?

Yes. For a little while we didn't, but yeah, we are back in the same bed. Do you want something to work? I'm so confused. You guys sound like you're both like done with it, but we're just there out of obligation. I mean, we've honestly like, I mean, like, there was tensions between. Yeah, tensions because I just read. you cheated on him.

Yeah, yeah, I did. It'd go back and forth. I did do that. Once, no, it wasn't back and forth. It was once and I came clean to you within a month. Within a month? Yes. What happened?

I had a friend on Snapchat, and he would, for the past years, would just randomly swipe up on my stories. My birthday last year, he had swiped up on my, my story and then we just started talking. And then about a month into us, just friendly talking, he invited me to, like, go out to dinner with him. And I was like, I just want to let you know, like, I have a kid and a boyfriend. And he was like, oh, that's fine.

Like, I don't really care. And then it, from there, it got, like, spicy. And I started sending him moods. No, what do you mean? No, no, no, you jumped a lot of steps. Like, we would just start flirting. So he invited you to dinner. Yeah, yeah.

I never went to dinner with him. Oh. He, so he lives in New York. So how did he get you to send flaps? I didn't send flaps. Just tities, okay. But how did he get you to do that? He, we just grew a rapport by, like, flirting with each other.

And then at one point, he, I mean, like, I didn't, he, I had already been sending him nudes. But then he had sent me money to, like, get new tires for my car and get my hair cut because he didn't want me driving my car around with a kid in it with bald tires. Crazy. And prior to him sending me the money, like I got, like my conscience was eating me alive. So I came to, I was like, hey, I just want to let you know. Didn't his sister find out before him, though? Yes. Yeah, his sister and his mom both knew prior to him.

And what did his sister say? You go, girl, get it. Like, leave his loser ass. Leave him? Yes, yeah. And keep cheating. Yeah. What the fuck is this family?

What is wrong with you guys? I'm going to be real with you. Your dad is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans, and collections. Whatever. Your interest rates are different. Your payments are different. Your life is different. So why do you need some one-size-fits-all solution that treats you like a number? Some generic calculator that spits out. Just pay more. As if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say, good luck.

They work to understand your specific scenario and help provide alternative solutions to becoming debt-free. Whether you're struggling with credit cards, personal loans, collections, or medical bills, I guess debt has customized options designed specifically for you. Not your neighbor, not some average case study. You. They've helped hundreds of thousands of people get out of debt. And here's the thing, there's no minimum credit score required. They're not here to judge you.

They're not here to shame you. They're here to help you get out and help you save more. Pay off your debt faster and start putting money back in your pocket. This is a company that is A plus rated by the Better Business Bureau, boasts of thousands of five-star reviews on Google, and holds a five-star rating on Trust Pilot. That legitimately matters. And here's the thing.

If I needed help paying off debt, this is exactly. This is exactly where I'd go for help. You're just 30 seconds away from being debt-free with PDS-Det debt. Get your free assessment and find the best option for you right now at PDSDet.com slash hammer. That is PDSdead.com slash hammer. PDS debt.com slash hammer. You suck with money.

So you download a budgeting app. You start with the classic one. Wineab, but everyone just deletes it because it's way too complicated to use. So you go to every dollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket money, they got a lot of commercials,

but they're owned by Rocket Mortgage. Guess what they want to sell you in 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. there is. Download it now, start the free trial. Download it.com. Link in the description below. So, we were at his dad's for Halloween and his sister called me and she goes, girl, you've,

because I don't usually use Snapchat a whole lot. She's a girl, you've been on Snapchat a lot. Like, are you seeing somebody else? And I was like, yeah, I definitely am. What the fuck his name? This is crazy. And she goes, go, get it. Like, I don't care. He's a loser. I completely understand you're doing what you're doing.

His mom then reached out to his sister. and was like, hey, just so you know, like I just want to know, is cheating on, or is, yeah, just cheating on Jacob. And she was just like, yeah, yeah, she is. And she was like, only unhappy people cheat. There's, I get it, only unhappy people cheat. What the fuck is this enablement? This is crazy.

I mean, I agree. Maybe you should leave him, but cheating is still just leave. Don't cheat. Leave. Well, that's, my conscience started eating alive. We'll be open, but I don't think you guys are. I went to him and I laid it all on the table. I was like, this is how I feel.

Things need to change. Obviously, like, I'm unhappy. And the next morning, he had downloaded, like, six dating apps. So he told exactly where his head was at as well. Meanwhile, I'll get home from work and she's having phone sex on FaceTime. I did do that with the guy from New York. So after you admitted to cheating? Yeah.

And you didn't say, stop. At this point, we're no longer together. Like, oh, you guys? broke up officially in that moment. Yeah, like we still lived together. But like, at that point, we were no longer together. What a f***ing mess. Okay.

So you just started having people over and fucking them? Oh, no, no, it was just all on phone. Yeah, it was all phone. You? No, all on her phone. No, did you? No. You guys broke up.

I mean. Oh, no, he couldn't pull girls. No. Really? Yeah. It's not difficult. I mean. For him it was.

Shouldn't be. Being the wacky weirdo. Yeah. You're the wacky weird. No, you're just a loser. I mean, yeah. But I haven't seen any. wackiness yet I've just, you're lazy.

Where's your wacky? Wacky, weirdo. I mean, just a weirdo. Is he a wacky weirdo? No, he's not. That was the weirdest description of him. He's just a loser. No, I'm weird. Like, I don't know. No, he's just a liar and a loser. I mean, I'm inclined to agree. I mean, I'd rather not use dating apps. I'd rather just go to like somewhere where it's open. Do that.

Okay, how long are you guys, he had an AI girlfriend, great. Okay. Did you really? He did. Her name was Haley. She was a blonde. A curvy little blonde. When did you have an I-I-girlfriend?

You pathetic. When? March. Yeah. This year? This March. Were you guys together at that moment? Yeah.

Did you care? Yeah. But it wasn't like, oh my God, you're cheating on me. It was a, oh my God, you're a fucking loser. Like, I'm embarrassed. What the f-like? I'm not completely ugly. You sure about that?

You sure about that? And this is what you're choosing is some AI girl. What the fuck are you guys? What the fuck are you guys? Okay, so last year you cheated. You guys broke up. How long are you guys living together but still together? Wait, total?

Or since we broke up. Yeah, how long did you guys stay separate? So we split beginning of December or late November. Or late November. Yeah, 2025. What did you guys get back together? Late January, 2020. mid-January, 20-25.

And since then, and you're cheating besides AI girlfriends? Not that I know of. Would you admit it? Now, based on your history, I mean, I would admit, yeah. No, he wouldn't. No, you wouldn't. Based on your history, there's no way

you didn't send nudes around the base. No. Is there a reason? Can you get dishonorably discharged post? Like, if you told this now, could you face consequences? I don't think so. Are you not on disability?

Because I've gone to the VA. Because he's lazy. Wow. Too lazy to even do that. That's so easy. It is. Say that you're having like a dick issues and you get, I mean, I have feet issues. Oh my God, his feet are disgusting.

If you were to show them on camera, you have to censor it. Yes. You want to see my feet? Yeah. It's disgusting. If you show it on camera, you're going to have to censor it. If I whip it on the table, you're going to need disinfectant on the table. Keep it on the outside.

The next guest can deal with it. I mean, I can go around here and I can show you. I know. I need this to see it. Whip it. Oh. I'm going to see it. Oh, God.

Oh Don't touch me with it It's actually disgusting I've been telling it It's the same one other foot too How? They look the exact same How did the military cause that?

No, no no He didn't take care of his own feet Went on a Ruck March So while he was in the military He can blame it on the military On one march? He's just not hijacked No, no it was like

So when I was in college Like just in general just going around and wearing the same boots. In California, there was no showers. There was no nothing. You couldn't, like, you were basically just. Yeah, but does everyone else have those feet? Uh-huh, exactly.

So no one's been on the dating app since January. No. I mean, like, I still have hinge, but I haven't been on it. All mine's deleted. I haven't deleted it. No. I still have it. You guys are creatures.

This is becoming cheating on it. I swear. It's like, what are we doing here? Hinge. Just search Hinge. What's Shifty? Our work app. That's how I like get my schedule.

Oh, I got to log in. Well, for what it's worth, she's logged out. So how many cheats did we do in total? I'm sorry. You cheated on a guy with him with a guy. Yeah, yeah, yeah. That was it. That's all I've done.

Four, I'd say. You guys haven't been that long together. So, wait, what are the four? What are the four? So there's the FaceTime. Are you counting that? Yeah, the FaceTime, the military, AI, and then the other one. So what's the other one?

What is the guy? He's gay. He's a little queer. I always suspected he was a little gay. And then when he realized he couldn't pull girls, he started pulling guys because I don't like butt stuff. Ready to take your investing knowledge to pro-level? This is Fidelity Connects, your daily edge in the markets. deep insights on real-time market topics that may impact your investment portfolio.

Listen to Fidelity Connects on Spotify today and power your next move tomorrow. Because I think it's gross and it stinks and I feel like I need to shower. Even though I'll flip her over and eat her ass. That's fucking disgusting. You're fucking disgusting. When did you get with a man? I never really got with a man. It was just more sending nudes than anything and FaceTime close. When?

I never. So you were jerking off with dudes over? FaceTime? Yeah. Okay. When? November. No.

It started November. It went until March. Of last year? So yeah, when we split, he went. It went into March. He said you guys back together in January. It was January. It was the beginning of January.

Wait. How do you feel that he's, you know... I've always suspected it. His sister thinks he's gay. No, I'm not like... How frequently do you guys have sex? Like maybe once a month. If.

If. Well, he's gross. And I'm like, that's not me like trying to dig on him, but like he's a mechanic. He doesn't shower. His hands are disgusting. I don't want him touching me. I have pH balanced parts that he doesn't need to be touching. And I have to get her in the mood.

Okay. So who? Okay, believe the name. Does he go by? In your snap? Mm-mm. So that was one of the guys I matched with on Hinge prior to. I haven't, if you look at it.

On Snapchat, it's right there. I opened them. If you look at it, I haven't opened them. Yeah, in four weeks. It's swipe over. There's more than just four weeks. You can open them. You can open the messages. Who's Marcus? That was one of my best friends' husbands when we lived in Tennessee. Who's Iceman from two hours ago? So that's somebody I messed with prior to meeting. Why did you message him two hours ago?

We talk all the time. We never stopped. Do you care? What the fuck? This is insane. I just know that because I know the whole story and the whole scheme. I mean, he lived. was on the other side. Wait, whoa, whoa, whoa, whoa, what the, what the- It was videos of his dog. It was videos of his dog. Saw them this morning.

Yeah, Jacob. Now, why is he sending gin pictures of himself? Because he's a little ho. A couple days ago. I'm me. I bully him and he likes me. She bullies him. Flortacious. It is.

You don't consider this cheating. And again, he is a man that is jacking off with other men. And that doesn't... I don't care if it was gay or by. But, like, does that concern you as the woman who is with him? Just because I think you're a little closeted and maybe you should own that and move down a path that you want to do and not waste my time. Oh my God. Wait. Hold on.

Whoa, you guys have been, this is just in the last few hours. Yeah. You guys have been chatting constantly. Oh, I think he knows that you're on the show right now because he just responded to L.O.L. to the screen recording happening. Probably. Dude, he is very active. He is into you.

The four weeks ago, snap. That's, I listen. It's a. That's why I stop talking. Click the button. It's a dude jacking off, which you like. Oh, this is what he looks like. He's a little freak.

He's a little weird. That's why I stopped talking to. No, I never got with him. No, I never got with him because he was fucking weird. He was a weirder. That's why all of his messages were left unread. I apologize, video editor who's getting this snap. You just saw a big dick.

It was like a normal dick. But either way, you don't give a... He doesn't care. really care about anything. Like I could literally sleep with another man in our bed and he'd be like, okay, as long as like... Well, I might change, but... Huh? That might change. What? Bringing another man in the house. You'd like it? No. Okay. That might change what? You caring? Yeah. So that would be too far. Yeah. Even though you would like to have sex with him.

No. He's a bottom. No, I'm not on top. Do you know? Yeah. You've done it. I've always, no. I've always been top. No, that's a lie. That's a lie. That's a lot. lie. He's entirely lying right now. Tell me. I, because when he was talking to the guy that he was talking to, he had mentioned that he is the bottom and likes to be the bottom. So, they're going to be

conflicting. Jacob. So you couldn't be with the bottom because you'd both be bottoms. You want a bottom. Hey, someone got to do it. Don't be ashamed. Don't be ashamed. Who can't? Be the bottom. Take the dick.

Take the dick. There's no problem with liking what you like. No. I just want you to own it. No, I wouldn't necessarily be trying to continue a relationship with a mother and my child. If you want to just go take some dick. Are you guys open? At this point, no. But it's...

It's so confusing, guys. How are you doing things? Okay, let's see what... Send. Okay, she's snapping with... Currently. Honestly, I don't even know who it is. Well, you're snapping with him.

Continuously, let's see what sent. Okay? Do you know him? I know him from high school. Why are you talking with a guy from high school? So I had kicked out of the house, but I had left myself because I knew he wasn't going to leave. And he had messaged me, so we just started talking. And what did you send?

Oh, he had messaged me like a high. So I was like, hey, question. Did I? Yes. Oh, I don't remember if I'm being completely honest. JJ Rab. So most of these people I hinge and then I just stop. This is a couple weeks ago.

These are all a few weeks ago. I will, yeah, I'll like open their messages and then I never respond most of them. No. Those were received as in you sent them pictures. Oh. But you don't give a fuck. So it doesn't even matter. So there's no.

reason for me to even care, right? I mean... So I guess you would care if he cheated on you, but... To a point. Like, it's at the... What do I do with this? You guys don't give a... It's at the situation. So leave. It's happened so much. Leave for the kid, guys.

I don't... Like, I don't feel emotion from it anymore. I'm just not surprised anymore. Okay. So when you guys have sex, he has to make a move on you. Yes. You have no sexual interest in him. Barely any, yeah, at all. Leave. Leave each other.

Go get the dick of your dreams. And go get the dick of your dreams. I don't understand. I don't understand. You guys are together for the kid, but is it even good for the kid? No, I don't think it is at all. No. So what are we doing?

Is it a budgetary issue? I mean, at this point, yeah. She makes nothing. I think it's... You could live on your own. I mean, it could. No, with the things he has to pay off. No, he couldn't.

Yeah, but he can go bankrupt and figure it out. It's not the end of the world. I mean, I could still figure it out. The only reason he is floating right now is because his mom helps pick up all of his bills because he lives with his child. That's the only reason she's willing to help. Yeah, but again, if we can get rid of his debt, he could live on his own. You couldn't. I mean, both of you told.

I mean, that's why she also put an application in for housing. Oh, you have. Yeah. You're ready to leave. Yeah, I'm approved for public housing. So you're done. This is my last ditch resort of if he can't get his shit together. stop hiding shit from me. But you're not attracted to him. It's not that I'm not attracted to him.

He just said you weren't. No, you said you weren't. Sexually. Like sexually. That's a part of, it's a big part of a relationship. It is. I just think he's not to make a break for everything, but it's like if there's so many things going on, if you're just straight up not into him, like I don't care that you guys, the sex life is low. But if one is just straight up not into the other person, then what are we doing? I don't think, like, I'm not just not into him. I just think he's a gross name. What else does that mean then? He just like he needs to shower and take care of himself and care for himself.

I mean when we're in the behind the scenes conversation, we know what he's into is just talking off to transport. Yeah, you're right. I know. I don't think you're into each other. I and that's like that's what makes me think like are you, are you gay or do you just like something in your ass? Because he's looking at women who have dicks.

So like do you just want something? something in your ass or are you actually gay? Wow, Jacob? I mean, it can go either way, but it's just more of a, like a switch. I don't know. Your verse. Averse king. Like, you get, like, bored of something and then you want it, like, you want something else.

Okay, why not incorporate that into the bedroom? Talk to me. I didn't know. She has no clue. I have no clue. I do have, yeah, I have stuff. He just chooses not to like. Get toys, put it in him.

I literally asked her to, Oh, no, no, no, I won't, I won't touch that. He can do it to himself. No, no, no, no, no. I think that's gross. It is. I think it's gross. It is.

I don't want any part of that. It is, but it's literally a king. It's sex. It is. No, I get that. If you love him. I also asked her if we could do, like, have like, on the background so that she keeps her head, like, in the game.

And she says, yeah. I just think it's, I don't know. I think that's weird. Yeah. I personally think that's weird. It might be, but just like, I don't know. I don't know. Okay.

Okay, but if you do leave, and again, you make no money here, I'm being told you have another man on standby. Yeah. And he found this out in March. So. And there's a ladder? Let me see the letter. What's the letter? Oh.

Oh, it's an actual thing that's here. Yeah. Oh, my goodness. Okay. Let's see. So this is from our coworker because I got him a job. Our co-worker? Yeah.

So the dishwasher job he got, I got him that job. And you probably don't give a fuck about this letter, do you? I mean, it is. because it's just more of like... My co-worker wrote that. For Caleb don't open till audit. So have you guys not seen this? I have no clue.

I have a general idea because I know what her. Okay, this is interesting. For Caleb, don't open till... I mean, it's her little parrot. She's not my little parrot. No, she literally says everything that... She will say words to her, and then she'll come back at me and say them, and it's the same exact words, just a little different.

No, she just has very strong opinions about... Jacob. Jacob. Holy. Shit. Strap in, folks. Get the cozy fire going and everything. It's story time.

My name is... And I am... Well, actually, I guess you knew the fake name. Remy and Jacobs' coworker. And Chads? Chads, is that the other guy? No, that would have been... That was going to be your fake name?

Yeah. I am Remy and Jacob's co-worker. I would like to start by say one thing. Ew. This man, if that's what you want to call him, is the most disgusting, worthless waste of skin I've ever met. Thankfully, I've only had a few encounters with him, but that was enough for me to see who he really is. Jacob works tonight, so I don't have to work with him too much. To be honest, I don't know that...

To be honest, I don't know what that... To be honest, I don't know that what he does can be considered work. He just stands around staring at me. He does check her out. Yeah. Yes, he does. He wants her to stick it in his ass. There is not a single thought behind his beady little eyes.

He just watches. The way he watches is the way a wolf watches its prey. I've caught him multiple times, but unlike a normal person, he doesn't look away. He doubles down. He looks into my eyes. One day he came in as a customer and he sat at the front and watched my every move for over an hour. Best part is I got fed up and folded and told him to stop because he was creeping me out

and he tried to lie and say he wasn't even looking at me. Yuck. I was so upset I had a breakdown in the back until he left. Remy also told me she had caught him checking me out right in front of her eyes, which isn't surprising

since he admitted to her face that he found me attractive and he had feelings for me. He's well over five years older than me, by the way. I'm 21, 26, I don't really care. Why is she like a weird victim? him.

Yeah, I don't know if that was. Girl, you had me until you acted like a weird TikTok Reddit like five years old than me and were consenting adults. Oh, my goodness.

I just got... Like what? Shut the fuck. I tried just being a bitch to him and thought that would make him leave me alone. Instead, I found out he's into that.

What kind of man gets off being treated that way? for what it's worth, some people enjoy brat play. Yeah. Not me, but some people do. Obviously, I stopped doing that, and I stopped giving him attention of any kind. He hates it. I know how badly he wants attention from me, and it's gross.

Truly bitch boy behavior. But that's Chad for you, you. A creepy lying, worthless, deadbeat dad. who gets off being degraded by a younger co-worker who hates his guts. No one gives a shit about this younger thing. I know your frontal lobes not fully developed so you're... Then don't have a job. But besides that, you're right.

With all the hate for Chad, Remy and Chad's coworker... P.S. Chad is always late and makes Remy act as his mother and tell our managers that he'll be late. He can do absolutely nothing for himself. very embarrassing if you ask me. Remy, on the other hand, has never let me down. I love her with my whole heart, XOXO. Which I only asked her that one time because I was busy.

Why are you staring at her while admitting that you're attracted to her to her? She says that I have feelings for her, but you said it. You admitted it to me when we were on our break and you were just like, oh yeah, I think I think that's cute. Show me a picture. I better not say anything because I'm all 10 years older at that point. I'm basically a... We're not friends on Facebook.

Just look up a name on Instagram or something. Oh, I probably could have found her. Uh, what? That does not. Like, it doesn't look like her. Her doesn't look like her? No, honestly, those photos don't look like what she usually looks like on a daily basis. Brandon, can you come look at this Down syndrome woman?

And, uh, you're into... She's got a dump truck. Let's be honest. The cost of living right now is absolutely in the way. But if you are out here leaning on credit cards just to buy your groceries and fill up your gas tank, you are literally paying a 20% survival tax and high interest debt just to exist. Look, if you're a homeowner, my friends at American Financing actually have a way to get you out of this BS. They are helping people tap into their home equity to pay off high interest debt.

American financing is saving their customers an average of $800 a month. That is a much-needed financial reset. There are zero upfront fees to find out what you could save. And you're talking to a salary-based mortgage consultant, meaning they aren't some pushy salesperson. They actually want to help. And if you start today, you may delay two mortgage payments, American financing, America's Home for Home Loans,

and get your life together today. 866574, 2500. That's 866574,2500, or Americanfinancing.net slash hammer. 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 ordered meta and YouTube to pay millions for their role in designing and promoting addictive platforms. They knew their apps could contribute to anxiety, depression, and body image issues, but did not share those risks while prioritizing profits.

The recent historic verdict underscores the consequences of those decisions. Now Morgan and Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000. But okay. But if they have extra chromosomes, you don't care as long as they got a dumpy.

She looks... I mean, I'm sorry. She looks... Like, don't blur it, but like, I'm showing the room. She looks... Yeah. Okay. Okay. I don't know why we're fighting over her. At least this, she looks like a human.

Not an alien. Okay, whatever. But listen, I started this conversation with, like, he lies to me. And, like, it's the financial line is what I thought we were going to go into. I didn't know there was all this cheating shit. But I was going to ask you how you guys manage the finances in the household. And I guess I should know. And what does he lie about finance-wise?

But I think, as clear as they, we've established guys. Just literally, don't be together. We're halfway through the episode, and we already know for a fact, don't be together. Like, we know this, right? Yeah. He also said this episode, this is going to be his last straw, by the way, in his own separate interview. Oh, good for him. I don't know why it would be his last straw.

Why would it be? It sounds like literally she takes care. I mean, you pay for the bills. I will say that. I mean, that's kind of like why I'm still here is for the bills. Yeah. Yeah, right? It's the only reason you keep them around, right?

At this point, yeah. What the fuck? So am I just creating a separation plan by the end of this? Like, what are we doing? How do the finances work in this house right now? So right now I pay our electric bill and then like our subscriptions. He pays all of our bills. So everything's separate, 100%.

Yeah, yeah. And that's how we like it and probably should certainly keep it. No. So if we were to stay together, I would prefer. everything coming out of our joint account. Have you not heard this conversation so far that's even a consideration for you? I will... A man that literally lie...

Half the shit he just said in this episode you learned for the first time in this episode. The issue is because I can't see when he makes large purchases or when he does something behind my back. I don't have access to his bank account. So I don't... Like when he went out and bought a gun behind my back, I didn't know until I found a receipt. Do I trust you with a gun? You shouldn't.

He leaves them like three inches above the ground for my toddler. to grab. Unlocked. Give me a hell yeah. You know many kids killed themselves because of that, right? It's unloaded. She can't clock it back. No, that's, there was there were bullets in

the magazine and you left it three inches above the ground. Like, I have a picture of it. Like, that is a very frequent story. I'm a gun owner. I like guns. I like anti-guns. I'm not anti-guns. No. But I am anti-bad gun safety. I have a gun safety. A gun

safe. Like he has a box for it and actively chooses not to use it. Well, I also leave it in my car. Like wherever I go. For anybody to break into his car and take. Well, not exactly, but I normally take it out of my car when I leave my car. This kid's going to die. Like actually, it has like a halfway decent chance. And you hit the purchase from her so she didn't even know this was happening. You just had to wait until you found it when your kid was touching. Basically. That's exactly how it happened. That's how 90 of all of his purchases happen is I just find

either find it or get a random statement in the mail that I'm like, what the, what is this? And how much did it cost? Seven. 700? Hmm. That's pretty juicy, dude. It was definitely 700.

That's pretty juicy. You drive around without car insurance too? Yeah, yeah. Oh, the kid doesn't even have insurance. The kid doesn't have insurance? Yeah, so he... What are we to? Guys, this is honestly one of the biggest messes and disasters

I think I've ever seen. Like, it's actually crazy. So he chose to purchase a large amount of tools instead of getting her insurance. So instead of putting the $400 a month into his company insurance to cover our child care, he decided, because this is what I've been thinking about for months.

Insurance? Yes, our insurance. Is that not how you say insurance? Is that not how you say insurance? How do you say it? Insurance? Thank you. That's at it, right?

I don't know. He chose to spend the money that we should have budgeted for our insurance to insurance, to. Insure and then tools. Instead of making sure our kid who was having seizures had insurance. What? She still has insurance. at that time. She had insurance.

She was on state insurance. State insurance. State insurance. Because we got kicked off of state assistance. I started making more money and you only get up to that $4,000 for state. We would have stayed on state assistance had he put her on insurance because they factor the amount that you spend on your bills and insurance to your income. and had he paid for the insurance, we would have still qualified.

So we lost our child care payment. We lost our, well, that was also another reason why I wasn't, because we weren't paying for child care. The state was paying for child care. We lost our insurance, and then we, what else do it? Oh, our food stamps.

What are me? What are you guys? Aliens. Had he paid the insurance, we would still have our child care covered. We would still have our food stamps. Meanwhile, I was still waiting.

for my 90 days and then that's when it like insurance cut cut. But he chose to buy $600 a month worth of tools instead of... Oh, my, fuck. Wait, the debt? Do you have tool debt? Mm-hmm. Oh, my fuck. You're not one of the...

I haven't had those in forever. Oh, my goodness. I thought we just stopped doing it. I thought we moved on as a society. You're easy to sell to. Mm-hmm. Mm-hmm. Yeah.

Check the hat. You have a snap on hat. Snap on hat. Snap on socks. Snap on socks. Snap on socks. Snap on hat. And really, why do you not?

Jacket. I have a vest. Which he hit at work. I didn't know he had all of that. Jacob, would you be with her if he didn't have the kid? Am I on his opinion? Like, I mean, yes. Why?

I guess because she mothers you. It's easy. I mean, I'm still attracted to her. Still love her. Would you be with him without the kid? No. I mean, like, it's the codependency is the only reason. And I also, like, I think it's a lot of I feel guilty.

because all of his family lives out of state and he moved to my home state. Yeah, who gives a fuck? If you guys aren't... He's the one that can go get in an apartment. Like... Yeah. This is the fucking insane, guys.

I really don't understand. Okay. So the state of the relationship is... Complicated. Yeah. Like a Facebook status. Like, we're... Like, we want to try to work it out and everything.

I think you do. I think, I would like to see our family work. It's like an 80-20. but I have very little debt. I have a family. This is a just weird, massive insanity. Well, I mean, like, in all honesty, she talks to my family more than anything.

Yeah, his mom just set up a trip to come from a time with us. I mean, that's what she said. Yeah. It makes sense. It fits into her why she won't leave, which is honestly pathetic. The thing is, buddy,

why don't you want a better life for yourself? I'm so confused. You don't want a better life for yourself in any way whatsoever. It's less stress. Wake up, go to work. Isn't it actually more stressful, though, if you don't get a better life? No, because he leaves all the stress to me.

Like, he doesn't stress about it at all. I do 100% of the stressing for our relationship. See, I don't pay attention to where money goes. I just go $20. Because mommy's there as well. To bail you out. What do you guys think your household financial score is today, zero out of ten?

Zero being the worst, 10 being the best. Zero. Yeah, between a zero and one. Well, get you for free. at Calebhammer.com, your hammer financial score, new and improved so you can see where you stand in different categories. So if you've taken it before, take it again, see how you've improved, see how it works, what you need to do to improve. It's free and it just takes a few minutes. And if you don't want to be like a guest who ends up on the show, make sure to download

the dollar-wise budgeting after one we made specifically for you guys for the average, everyday American. Check it out, get your free trial, see if you like it. And most people do, when they take the annual version because it saves almost 50% and you get the physical version of my 30-day meal plan signed by me, mail direct. to you and the digital version of the cookbook as well. So check those out, guys. Check those out. Okay, so his mom.

I mean, we talked about the money. I thought she was gifting you money. Why do I see his mom $8,000? Because that's the money that she paid for into my motorcycle. Do you have a car and a motorcycle? I have a truck, a car, and a motorcycle. Get rid of two! Get rid of two!

So the issue with getting rid of any of this, and I'm all for it. I made him list his car. because we couldn't afford bills, which is our only reliable vehicle for him. His truck isn't worth anything. He owes more on the truck than what it's worth to sell. And the motorcycle, if he sells it, he owes all the money to his mom.

Because if he sells it, she is claimed it. So I'd make nothing off of it. Good, though. You owe her the money. Pay her off. So that's not a moral thing to do, but you're not a moral person. You have no morals.

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

That's not your motorcycle. Yeah. Nothing? Nothing. Get rid of it then. Which one? More like a truck, really. I mean.

And yeah, you're going to have to pay a little extra. Why the f*** not? What's the reasoning, dude? Just because it all goes back to your mom and that. in your own pocket. So because of that? It's just more of the fact that, like, I have, like, it's...

Jacob's a car guy. Yeah. Yeah, that's fun. Do it at work. Do it at work. I don't give a shit. Be attached to your kid. Take care of your kid.

Try to be attached to her. Win her back. Stop being a loser, pathetic failure. This is metal. This is gears. It is not as important as the human flesh that you created. Why are you prioritizing it over them? That's pathetic.

I mean... Dude, go to her. a glory hole, suck a dick, take a dick up the ass, then you'll be fine, you'll be reset, you'll be good, then sell this. That's your other passion. Get on Grindr, go take a dick. My car is more of my passion. Really than that?

I don't know, he is like set on the fact that his car is the fastest stock turbo car. It's not really a stock. What is it then? It's a Volkswagen Jetta. You don't know what a Volkswagen Jetta is? No. Um, why would I? What's so good about it? It's loud, it's fast. Um, well, loud's annoying.

No, it's not. He's, he purposely welded a cherry bomb under it to make it even louder. Yeah, so you're literally just like, you annoy everyone else just for your own benefit. You're the selfish person on the road. Nobody respects you. Nobody likes you. To be clear, nobody turns their head at you other than in disgust while you drive. Actually, I've had multiple people like go, nice car, dude. It's only because you're $1,600 RAMs. You're annoying to everyone on the road. Nobody respects what you do when you pull up.

How fast is it? What is it's zero to 60? Zero 60 is... Slower than your Tesla. Three seconds. I know that. I mean... It is.

Yeah, yours is zero... You have all power. Yours is an electric motor. It's all power. It's all torque. Yeah. It's fun. It's a toy.

Yeah. I get to actually have fun. To a certain extent. Oh, I'm sorry. He doesn't go... Oh. Yeah, exactly. I don't need it to go, I just want it to go.

No, I like the sound like hot mics. Yeah, you like the sound. I like the feeling in my body when it goes quicker. Yeah? Or is that when you just eat and play video games or scroll through a tech dog? I do that on the way back. Yes, my car drives for me. It's modern technology.

I think it's slightly crazy that you have travel anxiety in a jet, but you're willing to, like... I don't have travel and anxiety and a jet for safety, though. But you're willing to eat your food And not pay attention to the road I've not heard my actual reasoning I just I think it's crazy That you're willing to not pay attention to the road But you're too scared to get on a plane

So you haven't actually listen to my reason Also I mean that's exposure right If like I self-driving I was like oh about like the first 80 times I was on a jet every day in my life I wouldn't be afraid of a jet But you won't get in the jet You at least got in the Tesla

You're not listening to what I was saying So I got on a jet six months ago and you cried. I did cry. But again, if I was doing it every day, but if I was doing it every day, it would be different. Even then, if it's your first time, I mean, like me going on a plan for my first time,

I was like, okay, cool, it's just like a roller coaster. Yeah, but you don't care about anything. No. Well, exactly. Still. Honestly, with how you've turned out, I'd still rather turn out like me and struggle with that

because I at least care about things. No, because I can just go through life without having to worry about. Yeah, but your life's a failure, and it's impacting others, but I'm still getting by. No, you're not getting by. You're having everybody else pick up the slack. And when I leave you, your mom's going to pull the rug and no longer help you.

Are you sure? Yeah, she's only helping out of obligation because he lives with him. Okay. The baby. The kid. Insane name, by the way, bleeped. Well, who the f***es their kid that? It's a town in Wyoming.

That's the worst name of a baby I've ever heard of my life. Yeah, so it was queen or princess or rainbow. Yeah, those are stripper names. Why are we doing those? Yeah, why are there's people doing this? It's not basic, like, Kayla. At least it's unique. Well, at least that's biblical.

It's like one that exists. That was, that's not even a name. That's... I beg to differ. He's going to be the first one in a school shooting. She, but... I beg to differ. What?

That's a woman's name? Yes. Say it again? We're bleeping it? Ugh. It's like diarrhea on the mouth. What the fuck is that? Oh, that's fine.

You don't have to drive. No one's forcing you to get that. I'm not saying it. But at least I'm not annoying to everyone in existence when I'm driving because it's not going, like what the fuck? It's only pleasurable to you. Everyone else is annoyed. Like people are having conversations, then you come by and you just disrupt everything.

I can't tell you how many times. Can you please stop revving, like quiet down because you're pissing off the neighbors? Yeah, you're obnoxious. You're actually only serving you. At least in my Tesla when I do self-driving, it's actually more safe for everyone else around me. I don't know. still. Why do you care?

The reason I care about your car is because you're annoying everyone. If you just had your car because you liked it and you didn't annoy everyone, I wouldn't give. Why do you care about what car I drive when I'm not annoying other people? He hates electric vehicles. I hate electric vehicles. Why? It's like hating a refrigerator when you have an icebox. I mean, I'd rather have an icebox and a refrigerator.

What? Okay, get rid of your refrigerator. You get home and get an ice box. He thinks, I need to be a man. It needs to be gas. Our refrigerator isn't working on this. his brain works. Okay, that was like the older technology,

just like everything else. We make newer technology. No, we go. We'll go from electric car someday to something new. Maybe just endless nuclear cars. And the self-driving vehicles that are like Uber's around here were freaking me the fuck. Well, that's because you live in like the Stone Age.

For everyone else, they're great. Because you don't have to have a passenger that's... At first I thought it was like a mouse. car where it was just like updating maps. He thought it was like a Google car. Yeah. Yeah, but instead of getting a car where a dude's talking to his family overseas and smells like literal death, you just have a car that drives you safely.

Okay, yes, I'm sorry. Yeah, 21st century is very scared of you. I don't really care. The rest of us are going to progress as a society and you can be obnoxious and eventually get drive-bide. His car looks ghetto to me, in my opinion. Show me. Let's just see it.

I mean. So this is the. the one thing you care about in life? Yeah. I mean, probably prefers it over his kid, right? I was just going to say that. Like, he puts that a higher priority than our child.

I mean, that's insane and actually disgusting. Yeah. Now, whose best friend do we owe $600 to? Mine. Why? Baby necessities. You suck as a mother. Yeah, I could tell.

That was... Yeah, do better. What the fuck is wrong with you? Move in with your family, get your shit together, get your education, and then go and live a life. Well, the man that actually cares about you doesn't have... what is that trench foot? Like, I don't even know.

That's probably what I just describe it. Well, you won't go to the VA, you freak. Well, I've had two surgeries on my feet, two separate times. Go to the VA. Because maybe you actually deserve, even though it was actually your fault, not the military's fault for what you did, but you might actually deserve disability more than most people that have been on the show that get disability

that don't actually have an issue. Like, you actually have an issue. Again, your fault, but because no one else has it that you served with because they took care of themselves, right? They took care of it. They did the surgeries, and then he continued to not take care of himself. So he got trench foot again.

I don't know about Ghetto. Other than the purple rims, which is actually really... Here. This is... He knows. You can say whatever you want. I've heard everything underneath the song about it,

but everybody else thinks is cool. Who's everybody else? Nobody else? Let's make sure we get this picture for on screen, but to me, other than the purple rims, I would literally think it's just a normal sedan. It used to say Merca down the driver's side

with like in flag. Gay! See, at least that would have been patriotic. Yeah. Now it's just gay. Yeah, because Pennsylvania's gay. That's illegal to have something on your windshield on the driver's side. Oh, windshield?

Yeah, it was on. A different one. He doesn't like it. A different window. It has to be on that one? Yeah. Because everybody else does the other way. And he doesn't want to be like everybody else.

That's exactly what. Oh, so she actually thinks in the pre-interview process, she was actually thinking the only reason that you haven't gone to get a disability rating is because she thinks you're actually dishonorably discharged, but you're just hiding it. And you just, that's why you can't get it. I don't know, I can get it.

I just haven't went there. Free money, there's really no reason not to. I don't understand. There's really no reason for you not to. You go to your second job. Why not take that time and go get, like, the free money? It's no sense. I've been saying that for you.

years and I'm at the point where I know there's something off about it because he set up the appointment and then actively chose to not go to the appointment. It is suss. I mean, understandably, but like it's also an hour away from... An hour away for a couple thousand bucks for the rest of your life. It makes absolutely... And then that's his excuse is, oh, I work. Okay, well, you would make more money if you just went to the VA and got your benefits and missed

one day worth of work. or a couple hours, leave on lunch. I kind of agree. And again, you are actually someone that has something, which no one has ever been able to prove on the show that they have something. You were the first one ever able to. Yeah, I just, I mean. He doesn't care.

He doesn't care about anything. I mean, wanting to go, but it's just more. I don't leave. Why hope? You're hoping for nothing. Daughter's college fund, $1,300. Who do you owe this to? Our daughter.

So that was in an account that got drained. What? Yeah. You took from your own daughter's college fund for what? To catch up on bills that weren't getting paid. All while you're getting like a $700 gun and pumping thousands into your car. In reality, with how the money has moved, you took from your daughter's own future for your car, which literally means in a mathematical example, you do prioritize your car over your kid. Because every time you spend a dollar on that car for a purple rim or whatever,

could be going to paying back your daughter's college fund. Yeah. I didn't realize it was that much. Will you admit now you care about your car more than your daughter? You don't realize anything's that much. Because that is an actual example right here. That is a reality. Will you admit that?

No, I mean. Well, say it. You care more about your car than your kid. I do like my car. That's disgusting. That's pathetic. You're a pathetic excuse of a man. But on the end.

Not because you suck dicks, but because you don't take care of your daughter that you produced. Ladies and gentlemen, I got something new to help you that we have personally built. 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. I already want to launched liquid assets, my official GamerSubs flavor, Raspberry Apple, and it's been selling like crazy. Here's the update. The free gift stacking promo from Christmas in July has officially sold out, but the flavor hasn't. Zero sugar, under one calorie, 100 servings a tub,

same new tropic blend, same full vitamin stack, still just four scoops a day max. Code Caleb still gets you 10% off your entire order. And there's still a shot. One out of every 10 that your tub comes with my face on it. All you need to do is head to GamerSubs. That gG slash Caleb or click the link in the description below. Yeah, I mean...

Yeah, because he looks at her and me as they'll figure it out. My mom will either take care of it or Remy will figure it out or something will happen. I can just focus on me. No, I do have good news. You're not really going to have to replenish it with that gun sitting out. It's not funny. Like you're not, that's not funny. It's tragic and fucked up.

He's kind of funny. But yeah, I agree with that. The fact that we're staying with someone who prefers their car over their kid is, that's pathetic. You're equally pathetic. Yeah. For enabling this by not leaving. That's why I applied for government housing because at this point.

So you've been approved. Yeah, I've been approved. There's a wait list though. Why not go? How long is the wait list? One to two years. Yep. Yes, it is.

Why not move back in with family? Your family's there. My mom. My mom. Hi. Dude, you got to do it at some point, though. I, no, I've genuinely considered moving back in with my mom. Like, we've talked about it.

She has the room for me. What? It's there? Then do it. Why not? Because I want to make this work. Like, I want to be a big adult. Who cares? That is making it a work.

You're backing off. You're getting through school. You get a good job, make a good income, and you live a great life. Without a pathetic worm. being there. I should. I know I genuinely should. I just struggle with coming to terms

of moving on from things. I was he saying you wouldn't move into their mom, though. I don't want to live with my mother. Why, what's wrong with y'all's relationship? There's nothing wrong with mine. You just said there is? No, I don't like my dad. I don't have an issue with my mom.

But like, with... Well, but is he there? My dad? Yeah. Well, he threatened to slash my tires and shoot me, so I won't let him be there. But does he live with your mom? Oh, no, no, they just recently got home.

Why are we threatened that? What'd you do as a daughter? No, he's just actually crazy. No, I know. He's like actually crazy. He got a spinal surgery and they put him on all kinds of psych meds. And he went, he stopped smoking weed and doing drugs. And he went through like withdrawal.

Good death. And I stopped talking to him because of it. So he was an addict. Yeah. Because of a surgery. So it was hardly even his fault. No, but he's always been an asshole. and now he's using it as like an excuse.

Yeah, yeah. Okay, well, I would definitely move in now to your grandpa. We owe $3,000. Guys, this is the most amount of individual family that I think I may have ever seen. It says his grandpa. Is it your grandpa? No, that was... Who's grandpa?

$3,000 to someone's grandfather. It wasn't to the grandfather. It was to... My grandparents are dead. That is your debt, Chandler. That is your debt. What's the $3?000 to someone. thousand for?

Oh, that was to your dad. That was for your schooling. Yeah. What your schooling? What schooling did you ever accomplish? Nothing, because I barely went to college. Was this for college? I wasn't with him at this point, but that's what I heard.

Yeah, I tried going to college and then I got out and was like, I can, I can learn more. No, I'm being told this is to help you guys move. Oh, no, that is the move. We already paid that off. To who? My grandfather, I didn't put that. To your grandfather. Yeah.

And it's done. Yeah. When did you borrow this? When I moved back in January of 2024? So two years ago? Yeah. So you guys have been barren for family since you guys have been together. Yeah.

You will never get out of this cycle then. You won't. You guys enable each other's bad behavior. None of you face any consequences. And family's always there to bail you out. You with a living place. You with money. And you guys would probably have like split custody anyway.

So his mom would probably still take care of it. Um, I don't think he would actually get 50%. I don't think he even wants 50%. Because he can't keep... He probably doesn't. Do you? I can't even... If you guys split, what custody do you? 50-50? Really? Yeah. I can't even leave him with her. Like, I left to...

When we were split up for that like period of time and I went on a date with back burner guy, I came home and she was covered in vomit, screaming, crying. I had to rush her to the hospital. What? Like, I don't trust him to keep her. There's no way. Are you kidding me? I'm dead serious. What happened, asshole? I was sleeping. It was at night.

He was not sleeping. He was downstairs and she was upstairs screaming. Yes. No, I was sleeping. That's like, no, you weren't. You were sitting on the couch wide awake when I walked in. And she was upstairs screaming. And I look and I said, how long has she been up there?

Like, how long has she been doing this? And he goes, I don't know. It just started. No, the fuck it didn't because she was covered in vomit. Her entire crib was covered in vomit. The floor was covered in vomit. And you actively said, oh, it just happened. I have no clue.

And this is the one time you left him home with her? Yeah. What the fuck, buddy? In what world would you get 50-50 custody? You can't take care of this kid to save their life. I mean, I've changed over the time. In one way! Every way.

What? Yeah. You don't, you don't, you don't because also... Yeah. No, your dog, you left him in the kennel with puke for three days. Oh my... What is wrong with you? Not even three days.

But the kennel was covered in vomit for three days. What is wrong with you do? chose not to clean it. It's evil. He wasn't even stuck in the kennel for three days. No, he was, I just said that. He wasn't in the kennel for three days, but you left the,

you left the vomit in there so long that it dried to the pan. So has he changed? No. How are you saying you changed? Give an example. I mean, I don't, like when something happens and, well, when something happens, it gets claimed. Three days later.

When I nag you. No. Her dog, shit in there. that day, I cleaned it up. I would hope so. You have to. Guys, this is a basic minimum requirement for owning a dog. Yeah.

And because I told her dog piqued on the floor. I cleaned it up. That's the basic thing. This is not crazy, guys. Like, yes. How are we bragging about this? That's the thing. Like you, you, the grass needs cut right now.

All the dishes need done. Like the responsibilities that you assumed as yours. And that's, I'm more willing now to pick things up. Does he take the dog for walks? Oh, no. No. He got this job. You got this dog.

It's a German shepherd. Mental stimulant for his step here. Full working dog has a whole lot of energy under the assumption that he was going to take him for a run every day. Have you ever taken the dog for a walk once? Not one. No, a walk probably twice. No, when I first got him, I would take him for walks. No, you took him for like two walks total.

He's now over two years old. So I... At a hundred and five pounds. Under the assumption, oh, I was in... Oh, my goodness. He forgot to feed the dog for two days once? He forgets to feed the dog constantly. Constantly.

Constantly. You can't have this kid. Consistently feed the dogs. The dogs are easy. Mm-hmm. Talks are easy, dude. I even, I even installed, made sure we installed a fence in the backyard to make sure that you could just let the dog out. You own the house?

No. No. I got, I got free fencing, so I just, like, put it in in the back myself. It's a landlord now? No. But it's a slum lord. Like, our fridge does it. even work.

Okay, he prefers iceboxes. Well, that's why we have an icebox out front. His father, this is the school. That's his schooling. Yes. But I don't have to pay that back. You don't have to? Why?

Because he said that I didn't have to. Okay. Okay, I've never seen this in the history of this show. I have a picture of a ripped up bill that is labeled him. What am I looking at? That's a check credit for tools. Sure. So this is his tool account that I had no clue he had.

He comes walking. He checks the mail. He doesn't open the mail. He'll just sit it on the table. It'll pile up for months. So when he walks in and I hear him opening a piece of mail and then ripping the piece of mail up, I'm like, what is going on? What is this?

And he was like, oh, it's just junk mail. And I didn't think of anything at first. And then two seconds went by and I was like, he doesn't even open the mail. Like, what do you mean junk mail? So I went to the garbage, pulled out one piece of, of paper and it was this one that says payment, payment, payment with a bunch of dates. And I was like, this isn't

junk mail. What is this? So I pulled every piece out, puzzled it together and said, oh, wow, this is $12,000 worth of debt I didn't know about. What were you hoping happened here, buddy? To have it paid off before I found it. It didn't take forever. What's the minimum

payment? Minimum payment is $269? Huh? It's $65 a week, but I pay $70. Oh, what a guy. Okay, averages of $2.89 a month. Yeah. That's fucking insane.

That's crazy. 12,000 hours. Yeah, what were you hoping for? I mean, to the point where, like, I would tell her about it. I just needed, like, I just didn't. You think you would ever tell you about this if you didn't find it? No. No.

I didn't find out about it that way, actually. I found out by his mom telling me, because she's still on his bank account. What? telling me that, oh yeah, you guys could probably afford your bills if he didn't spend this much money on tools. Why? What is with you guys and Snap Tools? Why the fuck go into this $12,103 and 50 cents a debt

with a minimum fee payment of nearly $300 a month? Because it's convenience then. Yes, but get some used tools. Dude, don't get everything. We were in the problem. Lifetime warranty. Something breaks. The truck comes to you.

You can't afford this. So it's just, is it, we were in the process of buying a house when his mom came to me and said, hey, this is why you can't afford to live. Oh my fuck. You guys almost bought a house again? I'm glad you didn't. I wasn't signing.

Like, I wasn't co-signing. He was entirely doing it himself. What are you doing? Okay. What the fuck are we? But, yeah, we were. So when did you guys almost get a house? Two months ago.

April. You don't love. love each other. So I originally wanted to get a house. So he could afford to live without me. Like I, he didn't need. How could that make him afford to live without you? Buying a house.

So calculating it out, the house we were looking at in the place we, no, it's a house. The house we were looking at was just under, including taxes and insurance. It was just under what we were renting. So I was like, you know what? like let's get you to the point where you can afford to live because if I decide to leave you, I don't want you living in your car. You still need a place to like watch our daughter and be a father. Really?

You think you'd ever do that? Apparently not. No. But. Out of a bad house? I mean, start her house. Definitely very old. Yes.

Okay. So we were, we were looking at houses and his mom came up to help look because she was going to help us with all the closing costs. Someone just bought it a couple days ago. VA loan was going to cover. the down payment. So we didn't have a down payment. His mom was going to help us cover the closing costs.

So I had her come out to just help look. Like I appreciate your opinion. And when she came out, that's when she was just like, by the way, you guys can't afford to pay your bills right now because of his tool. And then like two weeks later is when I got that statement in the mail because I didn't even know what he was spending on tools until then. Oh, you told her producers that you could use your coworkers tools.

I can, but if he leaves, then what? Then get your tools. Why am I going to use somebody else's tools when I can just go get my own tools? Because it's a debt and you wanted to get a house. Granted, yes. But I could... Granted, yes. But like, I still need my own tools.

Used. If it breaks, then what? You'll get it. You come homeless, then what? Or you could go to, like, craftsmen and get a whole set for $3,000 versus 12th. Your tools? nearly 15% of the purchase price of the house. Just sold for 90, 012.1.

Okay. What is this account? You're getting a lot of shit that is declining, payments left. Looks like a firm or something. It is a firm. What are you doing? Because you're doing like, what is this speed pay?

You're doing speed pay, gas bill, speed pay. What are you doing? So when I didn't have any money, I just used a firm. So it'll give me that extra month. What's speed pay? Speed pay. What was it?

Payday loan? No. That was it. That's where we work. Yeah, that's the restaurant that we work at. You're affirming food at the own, at the restaurant you work at? So I actually, I asked him to pay for that and I didn't realize he didn't have money. So instead of telling me, hey, I don't have money for this, he affirmed it.

Hey, dude. That's just like, oh, 18 payments. stuff on this? I don't even know. What are your minimums? Minimums stacking up to on a firm? Um, I don't even know what the full balance is on here, dude. Do you? I know the one that's... Okay. I can do the math. 67. I know three of them that I could... A thousand... $111.61. At least. It's a mess. It's a

mess, dude. And then... What was it? It was like 18 payments left three payments. This is divided by 18 and just go with $62 a month. What a joke, dude. What a fucking mess this is. Affirm. Who's a firm? That's... Stop saying his real name. That one would have been paid off by the time we film this.

Same with this one. But you're getting insane things. You're just using the virtual card for everything. At 35% interest. 35% interest. That was for our Xfinity bill too. He paid our Wi-Fi.

These are the ones we just like that. Oh my gosh. Why? You guys should just give up. At this point, like, what is there? The fact that you're still with each other blows my mind. Like, this felt like an audit.

Like, I was like, why even go through the finances? I am, obviously, because you came on. But it's like, guys, you shouldn't even be together. And we established that in the first half. Right? Unfortunately. Who has credit one? So far, it's all you, dude.

Cardo one's insane, by the way. It's like the worst credit card that exists. I just need something to bump up my credit score. Which is why you're above the limit. It's harming your score. The limit's 500. You owe 573-97. It's probably more now.

And that is to help your credit score? At first it was supposed to help. When? At first, when? When I first got it, it was supposed to help? Because I was just getting gas at that point. paying and paying it. I'll get you guys

course career certifications. And then I'll get you that in the trades and I'll get you in whatever the fuck you. What are you going to school for again? Engineering. Okay, yeah, we have some great tech certifications and shit like that, project management. Go ahead and get those, use those.

People in the audience have converted them into six figure of paying jobs. Dude, we have a debt forgiveness program on Calebhammer.com. Personal loans and car insurance as well. But what you need car insurance, so use our car insurance tool on Calebhammer.com.

But I'm still paying like astronomical amount. Yeah, you'll probably get cheaper on our website. The thing is, I don't want you guys to do any of those, except for the car insurance, until you have changed your behavior. And I don't even know if you guys should be together, so I don't even know what changing behavior looks like, okay? That one's mine.

You have a capital one. That is mine. You are late on your payment. One of them I was, yeah. Why? I didn't realize that I didn't have the money in my account when it pulled, so it bounced. I was a broke bitch. Am?

Yeah, I am a broke bitch. You guys suck, man. Because you're purchasing on this card that you're getting late fees on that you're not paying on time. You're not at the credit limit, luckily for you, but it's not terribly far away. $5.28.83 cents, $25 minimum of the payments. You couldn't even do that. And $6 from Walmart. Probably bullshit at that point then.

Apple Bill Paramount Plus, Goodwill's Wendy's. Oh, that's our Walmart membership. Oh, membership. I didn't even know you do membership through Walmart. Bookstore. Potentially grocery is potentially bullshit. The bookstore is for her. college. Eating at your own place again. Guys, come on. Apple Bill and Ross stores. And then

late fee. It's so stupid. Of which you've had three, four this year so far. For late fee. So no, this wasn't a well. Oopsie. I just forgot that one time. You guys are just insane. Okay. Him. Let's see. What is it? I think auto loan. Volkswagen. Jetta. His special little baby. For some reason. That makes no sense. Plus a personal loan. So, Jedda is $9,122.5. Personal loan is $2,371.6. Why the f f you have the personal loan?

It's for my truck. It's worth less than $2,300? What's your Jetta worth? Right now, standing, it's between 10 and 12. Like 10. If you actually care about your kids, saw it. I mean, I already have it posted on Facebook. Good.

Only because I made him. Well, the Jeddahs had a decent interest rate. It's a bummer that you have to get rid of it. Because his mom co-signed for it. That's the only reason. What's the personal loan interest rate? You got fees and shit like crazy. Most fees are probably going to be like overdraft.

This isn't even on that yet, though. This is just fees for the loans. And then you have interest. Okay, interest rate for the personal loan, for the truck that's not even worth it. It's 13.2%. Because he told them that it wasn't for a vehicle. That's why you got a personal loan.

Oh, okay, his checking account Ended with 238. Think Draw. Who knows where that went. Okay, let's see where'd this go. Energy drinks. You're a big energy drink boy, aren't you?

No. Mountain Dew. Up the water. I drink over a little gallon like Mountain Dew. A day. Okay. No longer.

Make gamer subs. It's very delicious. At home. It is 40 cents serving with our discount. Link below. 40 cents a serving, make your energy drinks,

your pops, you're everything at home. We have their Caleb Hammer, liquid assets, financial auto flavor. One out of every 100 gets one with my face on it. That's the special draw.

I was actually going to ask you if I got one of those. Unfortunately, we just don't have them. Huh? One out of every 10, I am correcting myself. That is updated information.

Okay, one out of every 10 has my face on it. And, yeah, check it out, guys. Link in the description below. You can also get free samples down there to figure out what flavors you like, and then it's 10 cents. 40 cents a serving.

Much cheaper than his multi-energy drink. Every day. Yeah. Mountain Dew, Mountain Dew, Mountain Dew. Sometimes it's three times a day. Go to the gas station. Apple Cash, yeah, no shit. And overdraft. Mountain Dew, I think. Probably Mountain do. This is bullshit, man. Moundu,

Mountain Dew, Mountain, Mountain. Mountain. Mountain. Dominoes. I don't know. Tools? More tools? Different tools? Quality tools? This isn't Snap. No. Quality tools. You all on different tools? Yeah. Multiple. Yeah, multiple. I didn't even have that debt. Where's that debt? Yeah, you do. It's the tech credit. The one when she has the ripped up papers, that's from Cornwall. No, that was Cornwall.

How much you go on Snap? I owe. Oh. He wouldn't get me this paperwork. I've been asking him for three months. Well, the dude retired, so he hasn't even shown up. Like, there's, so the guy from Snap on retired. he's gone. Yeah, but the company still exists. This company does still exist, but they need another person and run his route.

They haven't showed up. You can only pay him in person? Yeah. No, yes. No, you can't. You can call them. Mine is on a truck account. But you can still call them.

Like, you still owe the company. We know it was $50,000 spent originally on those Snap Tools. And guys, it's all just mountain dues and bullshit. Mountain Dews and, okay, MacTools $20. Is that $20 a week?

Two weeks. Okay, $40 a month. Dude. Probably like 10,000 hours now? No, no, no, it's probably like 12 at best. What's your personal loan, minimumity payment? My personal loan is 104. And the Jetta?

432. Yeah, you're getting overdrafts like crazy. Okay, you. That's me. You started with negative $15. So let's not pretend like you're good. So that was... For Zell.

You went negative for Zell, you dumbass. That was during the time frame that I wasn't working. Joint account, $3. Wow. Incredible. A couple that should definitely be together. That's my medical. So that's from having a child. Okay, $600. Do you get on a payment plan? Not yet, no. I haven't even started anything on that. Guys, so here's the thing. I don't know what to do because you guys shouldn't be together. Budget as a household, budget individually? I don't know.

But here's the advice. This is the reality of the situation. certainly use the dollar-wise budgeting app, but more than anything, sell the motorcycle, sell the Jetta, pay back the smallest to largest. I don't know. I don't know what to advise you.

Because if you guys aren't together, yeah, you are depending on him financially. If you're not together, I don't know, you can't pay bills. Yeah. But move in with family, get a cheap-ass apartment, man, the fuck on taking care of your kids and dogs,

and pay smallest to largest. That's kind of it, but I don't know how to budget you guys. really don't because you guys shouldn't be together you're not together your finances are a mess I don't have all the statements but that's the basic thing or at least with you with all your debt prove you can budget for

three months and go through bankruptcy or a debt forgiveness program or something but that's like yeah it's such a mess I always do smallest the largest he is so always do but you're if you look at the affirm he took out a $900 some dollar a firm to partially

pay off the snap on so he put that $930 towards snap owes an interest rate on that 930. Yeah, it's like 36%. And still owes Snap-on. I didn't know what it was for, but that's... I didn't know that he took out the affirm until a month after he did that.

Guys, I didn't even know. What a mess. I can't do this. I can't go through this. There's nothing reasonable for me to do here. The advice is sell those things. Maybe consolidate it if you can prove your budget, but I just don't even have hope for that. Probably break up.

Live with your family. to get a cheap-ass apartment and be a good dad. I don't know. Okay, I'm actually interested in calling your backup. I want to see his perspective on this. Well, let's call her backup in the post show. Hammer financial score obviously is zero. Is that even close to no retirement?

There's nothing. It's not real estate. You almost did. I'm glad you didn't. Get cheers to Calebhammer.com. Now, join us for an extra 20 minutes. We're going to call her back burner in the post show. An extra 20 minutes of this episode.

Also, three premium shows every single day, six days a week, over a hundred thousand monthly. for a reason because it is the best membership on YouTube. Join by the join button or click that link below, or you can go off platform with the Hammerleet app or hammerleet.com. I'll see you guys there. How does it feel to be this woman's backup option

and she won't leave this pathetic, actual waste of space that she's with? Not the best. I don't like the idea of, like, leaving him. I don't know why. Why? What? I don't know why.

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