Financial Audit - The Most F*cked Up Marriage In Financial Audit History

Episode Date: June 15, 2026

*THIS IS CRAZYYYY* She literally only talks and hangs out with *MEN* and we fully caught her flirting with them... this post show is wild, watch here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡️ https://hammerelite.com 30% off *LIMITED TIME ONLY* as a launch bonus 🎁 WE JUST LAUNCHED The Hammer For Life Box! Limited Edition Merch ONLY Available to the FIRST 1000 to Purchase AND once they're gone, they're gone FOREVER! https://hamr.link/app-launch 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join ============================= 👉 Checking & Savings: get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-website 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/FAquiz ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 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://bit.ly/41mr8OP ============================= *Check Out My Resources* ============================= 👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-youtube-disc 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 01:25 Jobs & Income 03:40 soooo shes a gold digger?? 10:43 interesting how she'll say so much BEHIND HIS BACK 20:25 RED FLAG ALERT!! MULTIPLE MEN IN HER DMS!! 29:10 put on the tinfoil hats ladies and gentlemen 42:15 ooooh the family is racist lol 49:45 she had no idea??? so much for being married. 01:06:30 NOT THE TOKEN BLACK FRIEND MENTION 01:18:05 chat, will she actually leave? 01:29:00 theres SO MUCH 01:40:25 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [e-mail] Learn more about your ad choices. Visit megaphone.fm/adchoices

To watch episodes of Financial Audit a week earlier, check us out on YouTube. My phone should be off-limit. Why are you sending him, hey, hey, H-E-E-Y-Y-Y-Y. That's not how you talk. That is not how you talk to me. I would feel very weird if my girlfriend was talking to a guy about that. That guy would numerously, numerously flirt with you. She's also said that she's embarrassed to be with who sometimes.

I think they're behind everything since like JFK. I'm just going to air it out because we're at that point. Who did 9-11? Who killed Charlie Kirk? It's real. Israel's behind it. What the fuck? I just launched the brand new Hammer Elite app available on every major platform.

To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus, I have an exclusive offer just for you. But I'll only have a thousand available to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Download the Hammer Elite app by using the link in the description or pincom. comment down below. This is the best membership you'll ever join, and that's a promise. Hi, I'm Sam. I'm 23. Hi, I'm Seth. I'm 27, and we're from Houston.

And this is Financial Audit. Yes, it is. Thanks for coming over, guys. Sam, you're in front of me. Let's start with you. What do you do for a living? I am a veterinary receptionist and assistant. Okay. You talk like a child. And it's not even just the braces. Like you sound like a child. Yeah. Okay, that's weird. But that's fine.

You do you. Okay, so you're probably not making a ton as a receptionist. What do you make? Monthly, I'm about $2,800 monthly. Okay, net? That's gross. No, that's gross, yeah. By 18 an hour.

What's not? What hits your account? 1,200s to $2,400. Okay, he answers for you. Yes. Why? Why? Why?

Yes. Is that math, or you just don't know how much you make? No, it's math. No, that's not math. It's actually just how much you make. It's actually just like what hits your account. I'm usually just quicker with the math. Okay.

Again, this is not math. It's literally just the number that hits her account. You're not doing math when you see a number hits your account. If we're talking about, okay, you need to set aside a certain amount for taxes or whatever because of your contract. We're talking math. It's not math. It's how much is hitting her account. That's fair.

You not know how much is hitting your account. $1,100 each paycheck. So times $2.22. Oh, she did the math herself. Big girl. Okay. Very good. glad you didn't have to step in there for her.

I'll let you answer your own questions. If you'd like to answer for him, feel free. But Seth, what do you do, Mormon? I'm in the tech industry. Ah, okay, doing what? Now sales? No, I work with computers. Well, I work in servers.

Okay, well, yeah, a lot of people do that. What's your job? I am a L3 data center technician. Cool. So you make the money. And in Houston, one of them not the more expensive city of all the Texas major cities. That's pretty good. So what do you make? Gross is around 16,000. Okay. Net is roughly

about 11,000. So that's juicy. Are you guys married? Yeah. Oh yeah, you are. You leveled up. You leveled up. He's paying for those braces. No, he was actually very broke when we first got to. Yeah. Well, what about when he got married? When we were married, he was still pretty broke. Really? Yeah. I was still starting my career out, so I wasn't making like, you were what? Still starting my career out. Oh, but you knew where it was going,

you little strategic monster you? You know, that's what they say, but no, I actually, I had no idea. That's what they say? Who says? Multiple people around this. They sometimes call her gold digger even though she's... Oh, fuck.

Who calls you a gold digger? I was more joking, but if multiple people around you are independently calling you a gold digger, and for what it's worth, if we're just going on like, you guys are not looks matched, you're way out of his league.

The brace is definitely fan analyzes you a bit, which is concerning. But besides that part, once those are out, you're way out of his league. Yeah. Yeah. No, I don't think so. I don't think so. Well, everyone thinks so. Oh, well.

So the gold digging thing's not, well, maybe if you take off your glasses and get a better haircut, it might be different. And don't dress like that. I try to dress nice. Why? I want to seem like I actually cared. I do. Okay. So Gold digger, who's calling you gold digger? friends. If multiple

independent, if multiple people independently are calling you a gold digger, that actually might mean something. And again, there might be something there because the looks match is not a thing. No, it's been some friends here and there. They usually make the assumption because I make more money than her

and that's why they're... Well, and the looks match. Yeah. I really don't think there's that that's not a thing. That's... That's... Yeah, there's a looks match issue going on. Okay. Yeah. So, that might be fair, especially, again, if multiple people independently are calling it out, now why are they saying it? It's not just the income scale, because it wouldn't just say it based

on an income scale. Like, what have they told you? What are the conversations that have been happening? Who are they telling? Which one are they telling you out of concern, or are they telling you out of jealousy? Which one? It's usually me at a concern, but we share a lot of things. Really? Yeah. We share a lot of things transparency-wise. So what are they saying? It's usually like, I do, well, it's kind of how I portray things, I guess, more or less, because I honestly take care of a lot of things. I do handle all the bills. I handle everything.

You make the money. Yeah. If she wants anything, I'm usually like, I never say no. You make the money. But, okay.

I was going to say, yeah. But they see that and they call it out out of concern? Yeah, because I like to spoil. What are they saying is what I asked?

I spoil her too much. It's one of the big things that happened. Like, if she wants something that's like limited edition, like different colognes cups or whatever, that like has one drop, I'll manage to get it no matter what. He's talking about the,

Why do you talk like that? I can't help the way I talk. You talk like a fucking E-girl, but it's like fake. Okay. It's really not. You guys might be personality matched. Maybe that's why. This is actually worse.

Okay. Okay. So they say you spoiler too much. What is the spoiling that they see? What is he spoiling you with? I have a coach purse. I have a couple of Michael Corse bags. The new perfume by Ella Langley that dropped.

He got it for me. Oh, it's not nerd. You made it sound like it was. She's just getting like bags and perfume and stuff. Yeah. It's just like nice, nice things. Yeah, but I also... You see your Instagram. My Instagram?

Yeah. You're going to be very disappointed in it, but sure. Well, what would I see that would make me excited or disappointed? There's like nothing on there. We rarely post on social media. Yeah. I don't post on social media either. Okay, is she allowed to?

Oh, yeah. Oh, no, that's somebody you follow is going to say, yeah. The Gold Digger comment is kind of funny to me, though, because I have put my entire life on hold for him. Meaning like every job opportunity that had us moved from one location to the next, I followed him.

Yeah, for your career, I get it. Maybe you're not doing what you want to do. I understand that, but income wise, like we didn't really put too much on sacrifice, right? I mean, together. Income, no, but to me going... But for your career, yes. For my career, absolutely, yes.

Sure. What else did you sacrifice? I don't know. Is this like a grudge you're holding? Like, I don't know, why are you bringing this up? So what else did you sacrifice? It's not a... Or it's a defense against the gold dig. It's more as... I guess, I wouldn't say a defense, because I really don't look at myself as a gold digger

because, like I said, when we first got together, he was broke. I was helping him pay his bills. She paid the first bill that I had. Why are she wearing a wedding ring? We, neither one of us actually wear one. Yeah. Mine doesn't fit me anymore

because I lost a bunch of weight, and so I haven't got a new one yet. and hers is getting dipped currently, like redid, because it rubbed in the bottom and it was white gold, so it... Okay. Okay, and it was a little bit of a yellow flag for me, but okay. So what else did you sacrifice?

I moved away from my family, so I didn't like... Okay, I'm sorry. Gosh, I'm just waiting for something big. Like, you moved away from your family. We all have done that. There's not a single person. Okay, maybe Mark.

Maybe Mark's the... One of one, two, three, four people, five people. people in here who haven't moved away from their family. I'm sorry, I'm not starting to just shit down your throat, but it's just like what you are saying is, doesn't sound like a big sacrifice so far. To me, it definitely was. I was really close.

I was close to my mom. Me too. I love my mom. Okay, well, my mom is no longer with us anymore. That's sad! Yes. So it's not a grudge, but it definitely... Why are you bringing it up then?

I really don't understand. What are you trying to say here? Oh, yeah, you're going to speak for her. That's good. trying to say here? Family doesn't like me because they see the situation. Family doesn't like you. What family doesn't like you? My family. Okay, why? Because they think I'm a gold digger. I want to send you away for a second. I just want to talk to the girl. Yeah, yeah. No worse. What the fuck is actually going on? And I feel like you're eluding, but you're not actually saying shit.

I say your shit. He's not here. I want to go back to school. I want to be a veterinarian. I want children eventually too. And we've had all these discussions that We are going to. We're going to. There's a plan. But it always gets pushed back because of his job. Okay, for his career. His career. His job. So for what he wants. Yes. What's preventing you from going to vet school now? I understand maybe not having kids at this exact moment, but what's preventing you from going to vet school right now? I don't, I'm scared that we're going to up and move again. I don't want to get started. How quick are you guys moving? How long have you been in Houston?

In Houston, we've been here since. Well, in Houston. Houston. We've been there since February of this year. Okay. Well, what were you before? Chicago. How long were you there? Six months. Okay, so that's fair. Well, is he just accepting better jobs or is his company moving him? A little bit of both. Well, if it's a little bit of both, listen, I understand if a company moves him, that's something different. But if he's accepting other jobs, at this point, he makes a great income. He can sit the fuck still. Is he talking about leaving? Um, there's been talk about moving to Austin. Yeah. Would he, do you think he would do long distance. You know him. What do you think?

This is, he should be open to it because of how much I've followed him. I agree, but you told us multiple things that you're endlessly complaining that, obviously, and annoyed that his career focus. I get that part. But that he's not romantic enough. He doesn't take you on dates. He doesn't do things for you. Won't even hold your fucking hand in public. Yeah. Like what the fuck is going on here? You think he'll do long distance, but he won't hold your hand? Why? What's going on? What is going on in this household? I've actually given him ultimatums before to... So what was the ultimatum?

Start being more romantic. Start making me feel like you want me here, or I'm not going to be here. And? And he does better for a little bit, and then it goes back to you. So the ultimatum fails? Why are you still here?

The hope is that he'll get it through his head. Well, it's obviously not. Listen, girl, I think it's as clear as day. You're just along for the fucking ride, and you're never going to step up and actually advocate for yourself ever. I feel like I have. Are you going to stand up for yourself here or not?

Because I'm not going to stand up for you if you're not willing to stand up for yourself. Yes, I am. So I... Listen, I don't want to put words in your mouth, but if you're telling pre-production something different than when you're on camera, I can't do anything for you. I want to help your situation here, but I can't if I don't know what's real and what's not. Okay. It's real that...

What do you tell me? It's real that I don't think we would have left Chicago if it wasn't for his issues at work. Then why did you just tell me that it was, partially because of you. When that is not at all what you told us before when he wasn't there, when you weren't on camera, where he could watch this later. What are you afraid of? I'm not afraid of anything. I just...

Then what is it? There's something going on here that I cannot figure out. I do. I'm trying to. I want to be on your side. I really do. I know. I know.

I know. I know. I really is. I do feel like he puts his career first above everything. Okay. Even us. What? You think he'll leave you?

When you guys have talked about divorced in the past. Mm-hmm. Why was the conversation to divorce up? I know you want to have kids within a year, but you can't advocate for it. You can't do ultimatums. They don't mean anything because you're afraid of conflict, so you don't ever hold your end of the bargain when it comes to an ultimatum. I haven't in the past, but I've gotten to a point now.

I feel like in the past year I've changed a lot. I really have. In what way? More pusified or less? No, like I do speak up for myself a lot more now. How so? You want kids within a year? He says no because he wants to travel.

I feel like he wins, just as always. The problem with that plan is that we talk about travel, but then we don't actually, we've been talking about traveling to Japan for like three years. Well, what are you going to do? If you want kids in a year, what are you going to do then if Japan always gets pushed off? That's my point exactly. No, that's your point. But then what? You'll leave?

No. For whatever reason, you'll never leave. Which is why he can do whatever he wants. That's what I am learning here. He can do whatever he wants. He never has to sacrifice anything. What does he sacrifice for you? He won't get off his game.

Um, honestly, I can't say anything that he has. Exactly. And what's really concerning here, and this is very rare on the show, but, I mean, I'm being typed from just the producers, that you fold on everything, he says, that you contradict everything you told us privately

when he wasn't listening or had the ability to listen before you came on the show. You're contradicting yourself. It's like I'm not alleging this because this is not the case. I just know nothing violent happens. But this is almost like,

this is almost like if something violent did happen and the woman's just on camera, just afraid to say the truth. I just... I know nothing like that is happening, but that's almost like... It's that kind of craziness with how much you're contradicting yourself

from everything you said before coming on the show. I'm going to send you out, then I'm going to talk to him. Okay. Yeah, you go out. Okay. What the fuck? Why the f***?

Do you just play video games all day instead of giving her any attention? You know what's weird on top of that? You know what I saw when I looked over at her phone? Guy's Snapchating. What does she tell me she has a guy best friend? It's a bit odd. I'll be completely honest, especially it was you guys barely being together, barely even touching each other, barely even loving each other.

But what's weird here in this dynamic? And this is what I was calling out when you're alone. And they specifically said, you know, because someone was with you out there, that you seemed incredibly concerned about whatever she had paranoid about what she was saying in here without you. And then the moment I sent her out there, you were grilling her about exactly what she said

down to the word in detail. That's not that I was grilling. And you know what? The thing is, she was saying privately to the producers completely different things than she is saying on camera and in front of you because there is like, she's almost, she's afraid.

I don't know why. Maybe she's just a pussy. And I don't think there's something weird going on here in terms of like, and not violence. I'm not saying that or even manipulation, but there's some reason

that she is like afraid and you are controlling in some kind of way. I would... Come on. I wouldn't say that I'm afraid, but I would say that you are

a little controlling when it comes to certain things. I don't try to be, but... I don't try to be, but you were. I really don't. I really don't try to me. Why the fuck were you?

I have no idea. I have no idea. I can't even catch myself doing me. She has a guy best friend. You're afraid of that? Not afraid of her leaving, no. Really? You've had conversations about divorce.

She has a guy best friend. Is that why you're so controlling? You don't trust her? Then why are you so controlling? It's freak behavior. I mean, she has tons of guys on her phone. Literally, like, I removed. Do not say tons of guys.

I talked to, I literally talked to. When I went on there and I wanted to get in to see if there's anything interesting, I swiped up and there was like four individual guys who are snapping her, which is weird. What's ironic, though, is like when we first got together, I had to remove all of the women on my phone. I have like no women on my Snapchat. The guys on my Snapchat that you're talking about, it was the one guy you know very well.

My best friend, you know him. Why did you do this? Why'd you do this? Because my, I wouldn't really consider him my, we just talk a lot. That's it. About random things all the time. And you've actively seen our messages. You've actively seen my players.

Okay, let me actively see them. I'm so okay. Huh? I'm good. Just show him the... What? Show him on Snapchat. Oh, that's weird.

That susses. What the fuck? No, I'm kind of curious. Why could you not show me? I was like, what... What do I see? Oh, maybe I should get access to it before you do anything.

I didn't do anything. I didn't do anything. Okay. Is there going to be anything bad on there? No. Do I need to know now? There's nothing on there. You sure?

Yes. Okay. It's like, if we came here It's very odd. It's like, hey, hi, hey, what you doing? Hey, why are you sending him, hey? Hey, H-E-E-Y-Y-Y-Y. That's how I talk.

That's not how you talk. That is how I talk to me. I would feel very weird if my girlfriend was talking to a guy about that, like that. That's not how you talk to me. That is literally how I talk to everyone. You don't say hey with a bunch of why. That sounds really dumb and flirty, but like it's serious. You don't talk to me like that.

I don't see anything. You called him seeing your other man. We were on the way here. And I said, hey, he... Boy's getting cucked. I said, hey, he asked what I was doing. Boy is getting cucked. No.

And then there's gumdrop. You know who... Gumdrop, so, yeah, gumdrop's a good friend of ours. You said... When was that last text? Weeks ago. Okay. A bit odd.

A bit odd, I'll be honest. And yeah, streaks. But that's a bit weird. and the guy best friend thing, it was a bit weird. And she did say in the pre-interview that she is like, well, she said a couple things.

She has never told you, but told Colton specifically that she's like 20-something looking around thinking I haven't accomplished anything and that she's never admitted out loud that she blames you and your career for it

and that she has resentment. She said that. But you seem to be pretty happy about stuff that I get you. She needs to be pretty happy where we are money-wise. Can you bless me with something? Oh,

God. Money was. What were the bags again? The coach? Michael Coors. Okay. Coach. Okay.

No offense to coach. But one, horrible stitch work. Two, like, I mean, let's be honest. And two, go to a, um, uh, outlet and they're like, uh, like a hundred bucks. Well, actually, we went to an outlet. It was still like 300 bucks. That's what you're bragging about. Yeah.

If you're talking to an outlet store. That's what you're saying she should feel great about. I mean, I'm sorry. Like, yeah, buy, buy a back. So that's fine. But come on. Saying like, oh, I got you coach. Aren't she so happy?

I got her a car too, like a brand new car. Okay, well, now I think I understand the family gold digger allegations. Yeah, like she... So she's buying her brand new car. She has a Bronco, right? And she's been 1-8-1-1 for two years. And when we moved down here, we got a bunch of money that we given to us, bonus-wise. Ford app explains that.

And it was one of those things that I told her that finally, you want to trade in your car, you want to get a new car? Sure. And we just did it. Okay, I really don't like the going through my phone. phone thing. Oh, do you not? That's a shame. Can I add it back, please? No, absolutely. Certainly not.

Yeah, you're sending lots of messages to guys. It's not. Staples Preferred Business Membership, built for busy business owners, because you've got bigger things to think about. With Staples Preferred, get free delivery, no minimums.

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What are you afraid of here? Literally nothing What is she afraid of here? I don't I'm being, I'm actually kind of based here. No, I'm actually being kind of serious. I don't want him going to my phone.

Seth, what is she afraid of? I'm actually being serious. What are you afraid of? I'm not afraid of anything. You can go through it by yourself all day long. I just don't, I don't like it.

What? I mean, is there anything? No, there's nothing on there. I just said, do you want off-limit stuff? Like, if there's off-limit stuff, then when you need to us off-off-limit stuff. I just, I feel like my phone should be off-limits. Why?

That's, that doesn't happen. I go through every guest's phone. You got to give a reason. You didn't put it on the no-no list. You've got to give a reason. You know, I don't like other people on my phone. I understand, but you handed them your phone unlocked. Like, I,

there's literally, there's nothing on there. There's got to be a reason. There's not a reason. And I'm actually starting to get kind of mad. Like, I just want my phone back. What are you so said it? What are you? What are you, what are you,

afraid of. There's nothing I'm afraid of. I just don't like people going through my phone. Because of? It's my private, like, phone. Like, I... This is suss. I'm sorry, it's a bit suss. I don't care that it's suss. I just want my phone back. I'm actually being serious. I'll give it back. I'll give it back. But is that not weird to you? It is. It's odd. I don't, like, know exactly why if you didn't want it to happen, we should have said no to begin with. And also why did you want to give it to them? I just felt so pressured into giving it to them.

I was like, there's nothing on there. I should. Yeah. I just, I just, give it to him. Let me see your phone.

And then you said, just give it to him. I didn't, is there anything on I should know about? There's nothing. I just said, you can go on it anytime you want. You have my pass code.

I just don't like other people doing so. Okay. Okay. That's it. Do you want, like, that's the only reason you're just nervous about it somebody didn't get on Wi-Fi earlier

so that I didn't go through it no I just didn't have a reason to get on Wi-Fi earlier you just went through it you didn't see anything and you were freaking the fuck out and I never given a guest freaking the fuck out I just don't like it it's just my weird little tweak I just don't like people on my phone

as we're talking about how you have all these guys and guy best friends and okay dynamic is weird here And listen, she's also said that she's embarrassed to be with you sometimes because, I mean, well, I mean, I guess I would be. She says you're very conspiracy-brained. She's like nervous of you being around people because you just go crazy. Talking about like, I don't know, you go on this Jew shit all the time apparently.

Like I don't even know. Talking about Jews, talking about black people, talking about gay people. You just like get all crazy. What's the shit he says that like makes her so concerned? What do you say about the Jews? I think they're behind everything since like JFK. like I don't I think that the government is not great for anybody I think that like our current government and governments in the past since like

since JFK honestly it's just a little weird are Jews yeah well no well it's kind of convenient how every every president since JFK has now kissed the wall after he was assassinated and it was proven that the CIA actually I don't think you mean Jews as a whole I think you mean the leader like Ashkenazi Jews usually the ones who are over in Israel the government the government of Israel but those people not like right you can't just say no not all Jews Jews are Jews are great people but like I'm talking as in like the Israeli government people who try to control everything because it's really convenient how you literally they're trying to get at the point where you can who did 9-11

because we miss the truck we're not aiming for the truck the Jews who killed charlie Kirk this real Israel's behind it all that's fine they're involved the government's involved as well they're all involved it's kind of convenient how these thought of 9-11 it's kind of convenient how they were taking selfies. Like Israel Special Forces. Israel Special Forces. Were they touristing? No.

They were taking, as the buildings were burning, they were taking selfies. It was shown. Like, it's actually a thing. Sam. It's really convenient. How do you feel about this? It's insane.

We've never agreed about it. You don't care. No. And the Jews? No. Okay. I have very strong conspiracies that a lot of people don't shake. How did the Jews kill Charlie?

Because isn't, didn't they just even get even better evidence like last week about the guy who killed him. Go ahead. About how the 30 out 6 was not the right bullet, even though that's the bullet gun they found conveniently stashed.

Sure. With no tools to take it apart. So how did it become a Jewish man? It's not a Jewish man. Oh, woman? It's the person who actually killed them. They ate that. I don't know. There's a lot of conspiracy involving

like the actual death of him entirely based on his microphone, like having micro-explosives. Do you notice how you keep saying conspiracy? Yes, because there's no, like, obviously, you're not going to know it's when someone comes out and says something. But like, just like JFK, They had so many conspiracies about it. They had so many things that they were like,

this is obviously was never, the government would never do that. 50 years later came out. Oh yeah, they did. Okay, but you're, it doesn't matter anymore. No one cares, they did. You can't just assume that every killing is the government.

No, but it's really convenient that like he's going against a lot of like Israel beliefs. He denied $150 million from Israel and all of a sudden like a couple of days later he was killed. Like it's because he was changing his view about Israel because of the ongoing world. You watch. I actually don't watch, like, live news. My source is that I made it the fuck up. I try to avoid that because it's terrible. I've watched Candace Owens and, like, read Candice Owens stuff a lot too.

Like, on phones and stuff. Like, it's not really online. Like, not really on TV. Because all major news outlets are actually owned by Jews, fun fact. That's a whole thing. Like, a lot of their hierarchy is all Jewish people. on almost every major news, including Fox News. You got a Jewish nose.

You do you Jew? You have a Jewish nose, too. No? Yeah. No? Yeah. It's rather large. Yeah.

You have a larger nose. What? Do I? Yeah, you have a larger nose. I've been told I specifically don't have a Jew news. Joe knows. Like, I don't have a bump. I don't got enough.

You smell very well. That was good. Huh? You smell very well. Yeah, that was good. Huh? What? Oh.

I didn't hear that. But you got the bump. Okay. So he's not a friend. afraid of you, like, taking over the world or something? No, because I'm not Jewish. Oh, okay. Okay, yeah, so, yes.

Okay, I understand being a little nervous of taking them places. And I guess on black people, you have conspiracies and gay people who got conspiracies too. I'm not gay people, gay people are great. Gay people are great. It's LGBTQ. LGBTQ. LGBTQ-GP-GP-2. Okay.

That they have the movement. What did they do? Who'd they kill? They didn't kill anyone. It's just, it's force fed down your throats, and then you have, like, men who are old and like Tidy Whitey's, like, was it, dancing and stuff in front of children? They were twerking in front of children, parades. There was a gay pride parade they had for LGBTQ.

It gets a little X-rated at those things, yeah. Yeah, it just seems wrong to me having like eight-year-olds, seven-year-olds, even younger. Well, the children should criticize the parents bringing their kids? Yeah, but why would you even have that on display? That's a bit weird if you get naked. I mean, I get that, but... I mean, they had a trans show at, like, elementary school. Uh-huh.

Like, that's just wrong. and they were like very barely clothed. It was wrong. He just gets upset at social shit all day. Yeah. Yeah, basically. I think like the world is, it's honestly.

It's just, listen, yeah, I mean, yeah, I might not agree with some stuff, sure, but like, it'd just be too mentally exhausting to give a fuck. That's what I'm, I don't know how you can, like, care. I don't just care about economics, because without a sound economy, none of that even matters.

Oh, you're right. So it's just like, I just care about, like, the real shit instead of the shit. instead of the shit that just is meant to rile you up. And then black people, I guess, and being told as well? No, black people are fine. No problem. I mean, no, like, the stereotypical people who cause, like, for example, a Walgreens to leave a community,

and they're trying to sue Walgreens for leaving that community because they stole too much. Uh-huh. And it's a black community. Like, that just seems a little weird to me. But black people are great, but there are stereotypes that ruin it. But there are stereotypes that ruin it. I mean, 100%. Hey, there's stereotypes that ruin everything.

Yes. What are you trying to say about black people? I got into several discussions with people about how they're trying to say, well, because I'm black and I'm a minority in the country, I can't be racist. I'm like, well, that's just not true. That's 100% not true. Okay. I even used the example.

If I went over to Africa to a tribe that is pure black and I'm there and they're racist towards me and I'd be racist back, that makes me not racist because I'm the minority. They're like, no. And I'm like, that doesn't make any sense. Okay. Like there are people who hate white people just because they're white. It has no other premise to it. And it's like, I...

Yeah, there's some bad people out there. Okay, so he's this very inflammatory. Tori. With his opinions and thoughts. Which, whatever. Think whatever you want to think. I don't really give a fuck. That's not really my thing.

But it's like, time and place, my friend. It usually is. If she's embarrassed of bringing you around people, though, I don't know. Like, she's embarrassed. A lot of times people will actually bring up political to test boundaries and test like people if they're going to mesh with them or whatever when you first meet them. I was told that you were disliking that I even give a platform. to some of those communities.

I don't even know what that means. It's not that I dislike you give a platform. No, he even dislikes when Caleb gives a platform to some of those communities. I never said platform. I never once said platform. That is a direct quote. It can be a direct quote.

I never said platform. I don't use that as, I never say the word platform to something. Well, what's the issue? The issue is like there are some people who need to be ridicule for things that they're doing, like animals, for example. That's what this whole show is, I ridicule.

You're upset that I put them on? There's some people that you didn't ridicule very well. I ridicule everyone. On other things. You just avoided some of the topics. What? Like, for example, someone did the things we just talked about. They did like a trans surgery on their cat.

And that's like, that's horrible. It was a funny moment. You're so stuck on that. Also, it wasn't a trans surgery on the cat. It was literally like a surgery for their actual urethra. And it was like a funny how it was like technically changed her sex. It was played up then. It wasn't even played up.

If you actually listen to the reality of that conversation, it was clear that it was a necessary surgery for like the cat's life. But the funny outcome is that it was a sex change in the end. Why by your cat? He needed some transitional surgery. Transitional surgery? Yeah. To what?

To widen his urethra. You made him sound like he switched sex. He did. So he was... He got a vagina? Yeah. So we neutered him. Good for him.

Her. Okay. So I was a misunderstood. But you just decided to get angry at it. I misconstruited, yeah. How? Because that's exactly what we just said. That's what was said in the club.

clip? That's not the clip I saw. No, that was the clip. Was that not the clip? There was several clips. Okay, everyone's saying that's the clip. It may have been a secondhand clip then. But what? I don't yell at trans people for being trans? No. Nothing wrong with that. If they let them do what they want to do at that point, at their body.

What are you saying? What are you criticizing that I'm not, that I'm platforming or whatever? Not platforming. I guess you didn't say that. But what is it? Well, apparently it seems I misunderstood some things anyway. Well, I guess the trans cat thing. what's the other thing? What else is there?

I don't know. Like, I just yelled at that trans person for having taxpayer-funded boobs because, again, economics is typically what I get angry about. The social issue said, I'm just like, eh. But... I saw that one.

That was disgusting. That was horrible. With the taxpayer-funded boobs? Yeah. Oh, yeah, I mean, not the best. I mean, as far as, I guess, where tax money goes, but... Okay, so I think...

Listen, and, you know, maybe you're... Like, I agree. Like, people are assholes and the fact that they say like, oh, we can't be, I can't be racist. It's like, yeah, it's fucking annoying. Just shut the fuck up. You know, but it's like, I'm in place.

If she's embarrassed to take you places because you're always just like, that you! Then, yeah, I'm a little, I'd be embarrassed to take you places too. Yeah, I think that's a little inflammatory on its own. I don't do that everywhere ago. I really think you just need to let it go. I really, like, I think you need a let it go. Let it go in as a whole or let it go here?

No. Because I'm not letting it go. It's never going to have thing. But what's your upset? Like, why? Let's pretend every single bit of it's correct. You can't do anything. No, 100% can't.

So just live your life. It's a temporary life. Just try to do the best you can with the ability that you have. I just, I hate the Jews. You're sheltering enemies of the state, I don't you? I hate the direction of the country currently. I hate all of it. What's the direction?

I think that like it's just been not like the economy's first thing. Like we're drowning. Everyone's drowning. What do you mean we're drowning? More, like less people who are young have. owned a home. Like people who are my generation is harder for them to get into a home.

Yeah, but why do you need to buy a home? Like, most personal finance experts don't even advise owning a home. It's like classic American dream bullshit, but the marketplace outperforms it any day of the week, so rent. I want to get several. Especially with how quickly you move, why would you want to own?

Well, you move everywhere. Yeah, I don't want to move anymore, personally, but I have to go where the money is. You literally have been talking about us moving to here. Austin or Dallas. Obviously depends on multiple places, but we do know that the median household income in the United States currently can afford 25% of the homes on the market.

That is low. Before COVID, it was 50%. So it's mostly interest rates driven at this point. So it's not great, but listen, it's like once the interest rates go back to normal and if it gets closer to that 50% it's not the end of the world, millennials, 50% of millennials,

own a home if I'm not mistaken, 25% in Gen Z. So like, it's not complete doom and gloom. We have more disposable income than any other portions of humans that have ever existed in the history of humanity. So like, are you just going to be doom, gloom gun in the mouth, or are you going to

do shit? You do it incredibly well. You make almost twice the meeting income in the United States. You're just going to be sad, cry, be a pathetic, whiny, little baby. Are you going to go do something? I'm trying to buy it home. Why are you complaining about home shit? You can buy it home. I've tried. We tried to buy home. They said my DTI was not good. Well, probably not. Well, yeah, I mean, I got paperwork for

days. Those were your choices. That wasn't the housing market. Those are your choices in the debt you chose to get into. No, we lowered our DTI to 37%. They required 47%, the mortgage lender actually shotgunned our credit and still came back with a no. Also good news. There are more mortgage lenders as well. I know, but after they shotgun on my credit, it screwed us. What do you mean? You can apply to mortgages. I think it's within 90 days of mortgage applications.

See, I was new to buying home. I didn't know. You can look all this up. Yeah, you can. And I didn't. If you're going into doing something, do you not usually like look up what it's like? I didn't look up the process of it because it's kind of like... I get obsessed over everything I'm about to do. There's several people who have different, differing opinions on how to buy home and like what comes out of it or.

thing. And I want to have rental properties. I want to have money. I want to get to the point where we're like financially free. But it's... Mental properties. Yeah. That's what I won in the future. No, you shouldn't. It's really bad personal economics and investment. Why is it why? Because the stock market outperforms it every single day of ever. So would you say like put money more like S&P 500 type stuff? Yes, or commercial property. Commercial property at least has tax benefits. Almost no one's getting in rental properties this days unless they already have a massive statehold. And commercial property, you're talking like owning businesses on that property. Okay, we're not going to talking about that.

That's too boring. But yes. Listen, there's something weird going on this house. You're not willing to talk. You're not willing to let me even look at your phone. I'm going to look at his phone later and see if I see anything weird about you. That's his decision, too. Yeah, but I'm going to look through your text message conversation and see if anything's weird in there.

I'm going to clear some of it. Is there anything on there about talking bad about my family? Is that way you don't want to brought up? Yeah, there's talking about you, your family. Why? I'm just going to air it out because we're at that point. So my family. doesn't like her.

They haven't liked her since I first started dating her. And they called her... Honestly, I really think so. I don't know the real reason, to be honest with you, but they called her gold digger white trash. They called her all kinds of things growing up. To the point where I stopped talking to my family for like two or three months

because they pissed me off too much with it. I told them that they can shove it. She is who I want to be with. She's who I chose. Like, you're going to get over it. And I'm at odds to ends with him frequently. Like my dad recently visited and he still had things to say.

and to the point where it's like to your point I could be skewing some of the conversations with them which caused them to have some of this belief but it really aggravates the hell out of me because... Why don't they like her though?

I understand maybe the look of Gold dig but... I can't figure it. My mom has come around for a while now. Are they like ultra-hyper-conservative? They are. Okay, but aren't you? I think you are.

She's more on the bridge, I think. Huh? She's more on the edge. But she's very religious and whatnot. I am. I am really religious, but I wouldn't say that I'm like ultra-conservative. And my family's religious, too. Is she white trash?

No. Does she come from white trash? She came from Traylor House. I can answer that question. All right. I grew up not like on the wealthy side of things. My mom was a single mom. She did the best she could.

She had four children. So, and I guess in their opinion that made me white trash because I didn't have a big fancy house. And they looked down on that? if you're not marrying in their income skill. They think that if you come from two different family backgrounds, then you're not going to work. It also brings up... It also brings up the whole, like, the whole, like, education thing, too.

They've brought this up to you. They look down on me because I don't have a college degree. But you did that for him. Exactly. My mom has masters, my dad has master's. Like, I think my sisters have masters. But that doesn't matter. It's what you accomplish in life as well matters.

Guess what? I'm a college drop, and I'm richer than all you, motherf-f-foss. Yeah. It's hard to convey that reality, to be honest with you, as much as I've tried. Like, my mom would get at the point where she's telling me, just let him talk. Just let it go. Just, you got to let it go. It's like a white purity thing?

What are you? I'm Hispanic. Yeah. Oh, there is. Now, here's my problem. I think there it is. There's more to it, too, though. Because my dad's first marriage didn't work out.

And he says, he says, no. He was married to, he was in the military and he was married to some lady who cheated on. him. He had three kids with her and then she cheated on him with his best friend. Well, who's in the most? And they, it's unfortunate. But like, he is portraying a lot of his trauma onto me because he keeps saying, it's like, I'm watching a video of myself when I was younger. And he's like, he's telling me not to make these mistakes. For example, I told him when he came down that I wanted her to, like, I want to make enough money where she doesn't have to work and she can

focus on school. So she can go back to school and get her degree. And that way. And it works if you keep moving, but yeah. That's very true. But the problem that I've got is that. Sure, they're not just worried that you're getting with what they consider the help. But see, you would think that, but then they sit around and say that I don't do anything to help, even though I was the one. They say that in front of you? No. No. How do you know? They talk to me and I shir. I would hide that from her. I believe in transparency between us. Kind of, but there's like, you can be a little protection. She's the person I vent to. She's like the person I go to for promise. Yeah, but you're venting to things that are hurting him.

I mean, to be honest with you, when I told him that I wanted her, her to be able to go back to school and for me to just make enough money where she doesn't have to while she's going to school. Because she's going to be in school for six, but she wants to go for a vet. So she's going to be there for a long time. I'm glad she chose her over over. But he told me that if like don't do that because it was Texas is an alimony state. So if we ever divorce, right, I'm going to have to pay alimony.

I'm like, I can't live my life like I'm going to be divorcing all the time. I can't. I can't. You guys have talked about divorce. Why? We talked about divorce because, um, several things. Part of it was part of one time it was because. of the, like, relationship with your family.

Yeah, that was one, that was one big thing. That was one big thing. But it's not even, like, I don't understand that fully because what their opinion is is not my opinion. It's never going to change my opinion. It doesn't matter because you, even though you don't agree with them, it's your dad has said so many things about me

and even to me and never once has apologized and I've just had to let it go. He won't apologize. He doesn't know. He's actually like, there was a text one time, that he sent me before we got married, calling me a gold digger, a white trash, said that... He texted you that personally?

I know he texted you that. And told me that the... that something about... We were the reason that they made divorce or something like that along those lines. Like, he's... What the fuck? He's said a lot of, like, horrendous things.

People are crazy. But... I've never... You never told me that he texted you. Not once. I didn't know that he... I thought I showed you that next. No, you never did.

Oh, yeah. People are crazy. It was a whole, like, it was a whole paragraph about how I wasn't worth it and all, like, a whole bunch of, like, really. You should have told me that a long time ago. Yeah. And he's never, like, he's never once had to apologize for it. I just had to let it go because.

How often do you see them? How often do we? We see them a lot. No, we see them once a year now. Well, now, since we, like, since we moved out of state, like, once or twice a year. but when we were still in state, we saw them a lot. When you guys were talking about this in the green room, he specifically said, I choose you.

And she said, and you said to him, well, that's news to me. Because that's how Rocky All's relationship is. And listen, you want her to be a trad wife, but she wants to work. She wants to do shit, but you want to put her in trad wife them. She doesn't have to stay there at all. Like, it's one of those things that has to happen

if she's going to go to school. Because she's not, if she wants a kid and she wants to go to school, she can't work to school and have a kid. You're going to push Japan off for another 10 years. No, I told her what, I have like one thing holding you back from having a kid. I want to travel. I want to travel the world first. Yeah, do it.

You've been talking about it for three years. Exactly. Do it. We've been, we've been talking and talking and talking about doing it. And then we never make a plan to actually make it happen. Yeah, why? She wants to have kids. Why not?

It's really because of the debt. The debt is what's holding it. Yeah, people have kids and dad. You can do it. You can, they're going to be stuck on those titties for a while. It's like, it's not even. It's like a shaking. gets more expensive once food gets involved

and shit. You make so much money. You live in a lower cost of living area. You're fine. Have kids. That's what I keep trying to like, that's what I keep trying to tell you that we're in a lot better situation than you think we are. I don't know about that, but I think you can have a kid. I feel like we have some things to work on first because a kid adds a lot of stress relationship. And if we don't, if we don't work on those things first, I don't want to have a kid to be like five years down the road and then we end up

divorcing. Then you should say that instead of trying to make finances the excuse. Finances is part of it. I said there's several reasons. Finances is part of it. What's the total household debt? Over 100K. Easy. If you count the cars, over 100K. What's the total household debt? Are you counting cars or not counting cars? Counting or not counting gang violence. Is it a debt? Well, yeah. Then I'm counting it. Probably like a hundred in Weston loans, 170. If I'd guess. I could, I don't know how much debt he's in. So I. What? Credit card That's like over 20K. Why don't you know?

Is your husband? I know. I handle all of my finances. How'd you just say you guys are in a better situation than he thinks, but you don't know how much teddy's in? I'm talking about like, finance. Wait, why don't you know anything about what's happening in the house? I just don't handle it. It stresses around.

And so I handle it. Oh, stress is around the phone. Stop being a pathetic. Stresses you out. You know, it's going to stress you out when it gets absolutely worse because you're not involved in the conversation in any way. He, it's his. Don't delay the stress and make it even worse.

I have been trying to get you. So, you're not. $107 is what you say? That's 170. Okay, 178. Yeah. 178,000. That's about quick math.

That's how much bad debt you have. 178,312.157. How does that make you feel? Yeah, that's not a mortgage, by the way. None of it. I just launched the brand new Hammer Elite app available on every major platform. You'll get three exclusive dedicated shows every single day Monday through Saturday. In Toronto, every arrival is a statement.

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How does that make you feel? Not great. I think 90 of that's car, correct? Or 100 of that's car? Yeah. If you count like 1550. That alone's insane. What the fuck is wrong with you guys?

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where you're doing poorly, where you're doing great, what you need to do to improve it. Check it out, Calebhammer.com. And if you don't want to be like a guest who ends up on this show, make sure you download the dollar-wise budgeting app. It'll actually give you the insights with the automatic account connections that she would see what's actually happening. So take the free trial, see if you like it.

And if you do, most people take the annual version because it saves nearly 50%. And then I sign the 30-day meal plan. made just for you guys. I'll sign it and mail it directly to you. Here you go. Congratulations. Cook some food, asshole. We actually have the dollar rise out. Oh, do you? I just got it. Okay, well, now you get it for free. Congratulations. Okay, so I have two stacks. This must mean separate then. Am I seeing two people's? Okay, so whose stack is first? That's probably mine if that's the bigger one.

The bigger one is on the bottom. Up and that's first. Before we get started, though, I have a gift for you. Oh, it's not split? That was just like a convenient thing. Okay. I have a gift for you before we get started. massive f*** stack then who has an REI Capital One. That's mine. What the fuck is wrong with you with $6,069 and $49? What the fuck is wrong with you? What the fuck happened here?

I was given that as a kid. As a kid. I was 18 and they gave me something. Oh, shut the fuck up, 18. That's when people go vote. That's where people go have a couple of years to work under their belt. That's where you can drive for a couple years, a multi-ton vehicle down the road, get people killed.

That's where you serve overseas and kill people and kill yourself. What the fuck? Kid, shut the fuck up. If you're infantilized, freak. If you're under 20, you're still considered a kid to me. Okay, then you can't vote. Fuck you. That's fine.

Then you can't serve in the military. Then you can't drive a car. Fuck you. They're like disd- Yeah, they might be immature. It doesn't mean you're a kid. You're not a fifted. Stop being infantilizing.

Gen Z, what is wrong with you infantizing yourselves? What the f-f? You're not a child. You're 18. Well, I was given-n- There's nothing I wanted more in life to become 18 and go live some independence. What the fuck is with you wanting to be a fucking child? You're not a child.

leave my house, I was 21. Yeah, you're a pathetic little bitch, we all know. I didn't leave. And I wanted to. My family told me no. I kept telling me to stay. Yeah, yeah. Your parents are weird, cult. Many people believe Joseph. Dum, dumb, dumb, dumb, dumb. Okay. So you're giving

this as a kid at 18. So, well, guess what, buddy, you're 27. Why do you owe 6,000 and 69? A 27-year-old child. We bought a bunch of stupid stuff with that. Oh, so I had nothing to do to get in as a kid at 18.

No. So what the fuck was that? Pathetic, whiny little b- What was that? Buying. I hate that shit. Camping gear and other things. It's R.E.I.

Camp, you've never been outside in your life. Rosie-ass cheeks? I actually loved a camp. Camp's awesome. I love camping. We used to go to Jocassi up there a lot. We used to go to Late Jocassi a lot. What, do you glamp?

Are you a glamper? I'm not a glamper. No, like, full tints. No, this one's the glamper. I like going old school. I like going rucksackack going into the hiking 10, 15 miles. Okay. Okay, so you guys bought a lot of camping gear. Well, congratulations. You'll be paying that for 20 years.

20 years and you still won't have a kid. Well done. For the longest time, I was paying the minimum on that. And now that we're actually able to like breathe some, I'm able to pay more than the middle. That is true, guys. He paid approximately 10% more than the minimum and then purchased well more than the extra amount he put towards the minimum anyway. Go fuck yourself. What was that? You want a little high five? You're trying to get a little high five financial? lot of fan, go fuck yourself. Yes, the minimum monthly payment is $210. You put $242 to it. It was $32 above. Yeah, that's it. Yeah. It's less the one I usually pay, actually. Okay, well, guess what? I don't, fucking usually, no bullshit.

Go fuck off. What are you talking about usually? That's what you did. That's what you did. And it doesn't even matter anyway because you spent $92. Oh, that's what I usually do. I usually do better. No, you did it. You don't. This is what you did. And even if you usually do, it doesn't even matter. Because if you spend more towards it. You just, if you put more towards it, you just spend all that addition because you max it out to the $6,000

every single time. Anyway, so it doesn't matter. Okay, maybe you put $500 towards it last month, but then you spent $550. So it doesn't matter because no matter what you do, you bring it up to the $6,000 and guess one? Here's a little insight into the finances

for the very first time. It's over the limit. $6,000 is the limit. It's $6,000. He's over the limit. I didn't know it's over. Yeah, you don't know shit. So chop, stop.

Stop trying to pretend like you do. Yeah, we've had discussions about me being more involved in all of it so that I actually know what's going on to try to prevent him from paying it off and then using it again. You prevent him from paying it off? No, like adding me, like me being more involved in the finances and knowing what he's spending so that he doesn't spend it anymore so that it's just being paid off. Why? Why do you need such a fucking mother in life just because you're sucking on your mom's

it until you're like 12. I'm terrible. I'm terrible. I'm terrible with online spending. Terrible with online. What is wrong? I will spend shit like crazy. Congratulations.

Then put at least towards it, what you spent. Yeah. But you spend more than you put towards it. It takes 20 years to pay off, pathetic. Yeah, when I take money out, I hold it forever. But I can't, for some reason, my brain just doesn't, just lets me swipe and I just move on. That's who you want to be with. No.

That's what you want to make a kid with? The goal is to make that better and not do it anymore. Yeah, that's the goal. he's not. So what are you going to do? Do another ultimatum that you never actually automate him on? No, probably just Probably just not give a shit.

No. That's your usual solution. Actually give a shit this time. What are you going to do that's giving a shit? Let's see you stand up. Be on the bank statement, like actually get a joint account, be on the credit card account

so I know exactly what's going on. What are you going to do? When he tries to spend money, then I'm just going to be like, No, don't do it. No, no, no, don't you do that guy? And then he's like, okay. I mean, what else are my going to do?

Leave! I don't know. I don't want you guys to break up. But listen, if he's willing to live his life, not sacrifice anything, and you have all these problems with the things that are going on like this, and you want to have kids, he won't have kids, he was putting off Japan for all this fucking shit that we've talked about so far. And he's not willing to change anything.

At some point, yeah, that is like the only option. I don't want it to be the thing. But why the fuck would he ever change? You're a frug. I mean, are you going to make a difference? Wow. We had the talk about going to Japan next year. That is the plan.

Yeah, what a time to go to Japan. Because I get my bonus around like the March time. Hey, stop sticking your leg, one of you freaks. I get our bonus around the March time, and I want to use that to go. Plan it, like pay for everything and go into September. I don't put it towards the cart. What is the wrong with you? You don't have to go to Japan before having a kid.

That's not a requirement in life. Yeah, Japan, fun, great. But she wants a kid. She wants a kid. More than like anything. And guess what? You have maxed out credit cards over maxed out. Because you keep spending money.

On what? Something online. You have PayPal, $64. Experian credit. You're paying for that. I don't know why. Because wrong with you. I think I said it for re-euring.

Google Zedge? What is Zedge? In-app game purchase, coins, bullshit, something like that? Yeah, that's that monthly thing I need to cancel. Monthly what? It's like a, you can sign up for, like, it was back when I was younger, actually.

long time ago. A long time ago. You were a kid nine years ago, according to you. What's a long time ago? It was about, but,

oh, shut the fuck up. What is it? Eight years ago, easy? No, what is it? Oh, it's like a ringtone thing. It's some stupid thing. Some stupid thing that you're still paid for. It's dumb.

It was for ringtones on a phone at one point. Who has Cabela's? Let me guess. Seth. Mine. Oh, congratulations. Guess what? Same day, which is even crazy.

Guess what, Sam. Rose over the limit. Yeah, smile away. you're never going to do shit. I say this out of love because I actually don't hate you guys. You guys are very pleasant, but you are both,

I think, two of the most pathetic people I've ever met. I say with love. I want to change things because I want a kid, but I want to do... You're prioritizing Japan. What are you talking about?

What are you talking about? You want a kid. Shut of you don't want a kid. If you want a kid, you'd be doing any of the things that would require. All of my friends that have had kids

have pretty much stopped their lives for them. No. Are you raw loading? No. Condamine? Mm-hmm. Okay.

Well, that's good. Thank you. Okay. I don't understand. You're choosing Japan for the bonus to go to instead of paying off the debt. You're over the limit on these cards.

I want to change. Congratulations. You said the right thing. But you're not doing the right things. It's words with no action. Like I said, again, I actually do like you guys. You guys are pleasant.

Okay, that's fine. But you are two of the most pathetic f***. Wet towel. I've ever met. You're nothing. Your mama and daddy's boy, you will never say,

I don't know what has happened in your past, but you are the wimpiest pussy I've ever met in my life. I wouldn't say that. I would. I don't give a shit what you'd say. I would say that. And I did and well again.

I'm not going to just leave someone over. I'm saying leave, but you can't do ultimatums if you're not going to ultimatum. And you're not willing to do anything. None of the ultimatums were about finances. Doesn't matter. You did the ultimatums that he never

followed through and your ultimatums that you would leave and then you didn't. So it's just like, it's pathetic. It's pathetic. You can't do anything. You can't stand up for yourself. I would say it's pathetic not to leave someone you're married to. Congratulations. I would. Well, that's your opinion. In my opinion is correct.

That you have never stuck up for yourself ever. Actually, I did leave once. And I did leave. She did. What? Tell me. That's when we were engaged. We were engaged. Why did you leave?

Because I gave him ultimatums and he didn't follow through with them. And I left. And then... What were the ultimatums? It was such a long time ago. It was... It was... You were video games, I'm pretty sure, at one point?

Yeah, it was the video games. Because he... It was. Where he has gotten better recently, where he still gets on them too much, it was, like, really, really bad when we were, like, first engaged. And you said, if he didn't, you'd leave? Yes. And how... Where'd you go?

I went back home. How long were you gone? A couple weeks? It wasn't. Did he actually improve? He actually did, yes. What are you playing? A lot of things. Battlefield.

Right now I got into Forza Horizon 6, it was released. I enjoy cars. I'm a car guy. Oh, a boring game. Oh my gosh. Listen. Pragmat is a phone one, too. Also, these people, it must be Brandon, who typed condoms on wife is crazy.

No, it's not when they're not trying to have kids. Brandon freak. There are other things I do, too, that I help my hobbies, trying to get away from video games and stuff. Like, the past two weeks, I haven't touched them. Yeah, that was something. So I did. He had balls at some point.

I did. Hopefully you do again at some point. He has $3,071.80 owed on this card with the limit of $3,000 because pathetic. Again, Hey guys, they paid more towards it than the minimum payment,

even more than double. Doesn't matter. He then spent on it, and then interest agreed on top of that, and I pushed it above 16 years. And he still won't have a kid to pay off. Minimums only, no purchases, but he's incapable of that.

What do you think? Miss Sam? The kid is not looking like it's going to happen. I... I want you to have everything that you want in the world. That is my number one priority for me. It is. She's only giving up everything for you.

Shut the fuck up. It is. She won't have everything for herself, but I will. She's giving up everything for everything you've wanted. She doesn't get anything. She hasn't got one thing she... What has she gotten that she wants? coach bag from an outlet store?

She got where she wanted to live, too. Houston? Oh, Texas. Okay, Texas means a lot. And trust me, you whiteys that are especially racist are not picking Houston. You don't have a, I'm not, no, no. It's a little black. That's Dallas. Dallas is sketchy. Also, very black.

That's sketchy. No, Dallas is very black, Dallas is sketchy. But Houston is, okay. I went up there for work. Black doesn't mean sketchy. Well, I went up there for work, and I stayed in the wrong side of town. 100%. Okay, Houston and Dallas are both very black. Turn the road and there's like homeless on the inside. You can't say sketchy while he's talking about. Like there wasn't just black people there.

We lived in Chicago and in six months. Yeah, hold your racism inside like she does. I'm not even racist at all. You don't understand. Like we lived in Chicago and in the six months that we lived there, 24 people died from gunshots in a five block radius of us. That doesn't mean that they were all. All of them were black.

Sounds horrible. It was black on black. It sounds horrible. But it's true. It's horrible. Oh my God. This is the stuff that I say. I say sketchy because.

Because it sucks. In Chicago, it's really bad. It's really bad. Like, even, we weren't to go get, like, concealed carry there, and they don't want you to have them. Like, people who actually, who are trying to be responsible with them, they don't want you to have them.

Okay, well, he's purchasing things on TikTok for $40. Yeah, that's mainly a guess for her. Huh? That's mainly guess for her. That's where he gets his coach bags. Yeah. I wish that thing was TikTok. That was a lot of money for that stupid person.

No. You actually didn't get that one at the Outlist store. You got that one from Coach. I got it online. to the outlet and returning. And then Robert Space? $10. Oh, yeah.

But he had a late fee this year so far. He's late. I had a late fee this year? He had a late fee this year. He had a late fee this year. There are times that I understand. It's how a black guy got scared, forgot to make his card payment. I understand that though being late, you're charged a late fee.

As long as you're not 30 days past your time, that's when they report to credit. So as long as you give you. I'd love to just sit you in the middle of a carnival cruise and just see what happens. I think they'd eat you alive? No. I don't like so. They go to a black high school graduation. I've been to a black church.

That was crazy. It's wild. Crazy? Yeah, they're so, like so much energy. Great music. Yeah, I will give you that. They really go with their music. They get really into it. He'll give you guys one thing.

But I'm not under religion either, so it's like, I'm not in big of religion either. We literally have black friends. You can't, you can't be like. They know my stance. They're cool. Oh, my God. Literally one of them.

Your stance? Yeah, they know my stance and think. What's your stance? They agree. Like, black people as a whole are good, but statistically, there are statistics and statistical people that are terrible, and they ruin it for everybody else. Yeah, there are some bad stats, yes, in their community. And their community should stand up for that.

Every community has that. I'm not saying that all people, like all black people as a whole suck. That's not true. It's statistically. Well, what's your stance? That's not a stance. Stats are a stance. What's your stance?

Like, yeah, I'm a statistics guy, too, so I get it. But what's your stance? There's a lot more crime that's committed by black people than white. per capita, but that's not a stance. We're like 57% people and are white in the United States. What's your stance though? I think stance was some wrong word

for you. Like my belief. You're only talking, I can't say that word, statistics, there we go. I guess I don't really have a stance per se like that. It just aggravates the hell out of me sometimes. What?

When you go to a certain area, you think everything's nice, and then you end up in like one turn, you're in a really ghetto part of town. And it's usually primarily one type of person there. What? Continue in? It's usually black. Like when I was in Dallas, it's usually black.

Let's making sure. If I go to San Antonio, I guarantee you it won't be black. No, it'll be Mexican ghetto. There's ghettos everywhere. She comes from the white ghetto. The white ghetto? Yeah, trailer parks, dude. Dude, the, listen.

I got the fatigue, too. I said this in another episode. I got ghetto fatigue, but I got white trash fatigue. I got Mexican, what do you want to call them? Not Mexican ghetto as a, yeah. Huh? Barrio. Did I say that right?

Is that racist? Barrio. Barrio. Is that racist? Padio. Okay. Well, those ones I have fatigue too. Just trash.

I have fatigue. If someone is trashy, I have fatigue. That's what you're trying to. That's not what you said, though. That's what I said. You were kind of hyper-focused on the black. Listen. It is fatigue. You are correct.

But it's like, it's bad. For you, it's focused on one thing. I have the fatigue of all in the trash. Don't forget Jews. Right. But they're usually not trashy. They're usually just rich. No, they really are rich.

They run a lot of things. It's crazy. They make good decision with money. We don't. Should have been Jewish. I thought, you know what? Probably would have been a better situation, honestly. I love everyone here.

I don't know. Just not trashy people. But I have my... on the show all the time. Okay, Jam Rewards, who's this? Jam Rewards is mean as well. Okay, everything's you. What the fuck is wrong with?

I have a lot of debt. She doesn't have much debt. Oh. She got her first credit card. What are you here? What do you like about him? What do you like? The haircut's insane.

He dresses so weird. He doesn't always dress like that. Until you open your mouth, you are above his league. I literally cannot help the way I sound. It's not how you sound. It's also your braces and stuff. It's just like,

and then your chin. And then your chin disappears. But when you close your mouth, you're very attractive. Your chin disappears, too. Well, that's because I have like five of them. Well, you can't say anything then. No, but I'm also just asking why you're into him. I don't get it.

And his parents don't even like you. They text you shit. Yeah. Okay, no answer. Why are you into him? Just games all day. Are you a nerd? No.

Why are you into him? He, I. I, is his, now I feel like I'm put on the spot. You are? That's because I ask you a question. I like his personality. He does have a good personality. Choose, choose, choose, choose, choose, choose, choose.

That's his personality. Before all of that, like, way more recent, but before all of that, his part, I liked. Hey, y'all, it's Kelly Clarkson with Wayfair. Ever order furniture online and wonder, what if? Like, what if it doesn't hold up? That sofa was four days old. You should have ordered from Wayfair.

With Wayfair, there's no what if. Just style you love and quality you can. Visit wayfair.ca. Wayfair, every style, every home. His personality, I do find him very attractive. Ha ha ha ha ha ha. Okay, dude, bro's fucking down that hairline right now. The moment you said that he had to do this, that was rough.

That shit's going away. It's fleeing. So is mine. His hairline's doing white flight. I don't even know what that is. It's when white people leave an area of town because of got... Oh. Usually too diverse is what they say.

And then when they move back, they call it gentrification. Oh. Okay. Well, he owes $2,576.49. It is over the limit and past due. Really turning you on. Getting wet from that. Again, I didn't know.

Now I do know. I don't know if he knew, but why the, I don't understand. I actually want to get rid of that card as soon as possible. Great. Okay, yippie. You still got to pay it. Yeah. I use that card for me.

Is Daddy going to bail you out? No. Thank you. I use that card all the time because we had a Chevy. Wow, it's over the limit now, isn't it? Yeah, I have a limit now. It's also over the limit. Yeah, we used it a lot because the rewards there let us use it at the dealership.

Yeah, for her, she had a truck, she had a Chevy. So anytime she wanted a wool change or anything like that was going on a card that was past doing over the limit, did you? No. So don't say we. It was you. I used the car. I use the car, even though I use things for us and her. Well, Mommy help you out?

I'm being told she already does, even though you make like double the median household. She did at one point. She didn't help him anymore. She doesn't help since last year. Pathetic. What is wrong with you last year? 13 years to pay this off. Fee's, multiple late fees is here. Like, he's been late every month this year.

What does that one? Good at yourself, you pathetic worm. Do you just forget about that one? No, it's not that forget about it. I just said it earlier. If it comes due and are maybe we get paid a week after, I will pay it a week after or a couple days after day. Like, it will incur a late fee no matter what.

The second is a day past due. encourage late fee. So I will incur a late fee and take the L on that instead of it reporting the credit. Every day. Because if I've got to wait for my paycheck to come in, I'm not going to go negative just to pay it. Pay-Pow credit. Who's this? Well, it's over the limit, so I'm assuming it's you. It's mine. You suck. You suck, man. Which one is that? Yeah, which one is that? Pay-Pow credit? There's going to be two pay-pal credit. Dude, he's the worst. What are you fucking doing? I did. Again, I didn't know. Well, now you do. And, and, and now? And now we're

going to fix it. Okay. Oh, you guys are so... Dude, you found the perfect one. She's never going to do shit. You can do whatever you want in life. You can do literally anything. And yes, she still fucks you.

I don't get it. I don't get her, man. Is it your religious aspect? Like, you having to serve a man? Like, what is it? No. Like, you don't give a fuck. Because you didn't have a dad?

Actually, no, I did not. I know. I'm saying, is it because he didn't have a dad? Like, something's weird. man, something's weird. I don't get it. Like, you're kind of the victim in this, but also you're just so pathetic that I'm just like, like I can't even help that.

If you're not even willing to do anything. Okay, 11 years, $85 minimum of the payment, of course, it's over the limit. $2,500 is the limit. You owe $2,539. For GWD Concepts, is what you spent money on to get you over the limit. For $5.49. Of course.

It's most likely a description. that I've forgotten about. You really need, all of these subscriptions you've forgotten about, you need to like go through and get rid of. Wow.

You got them. Yeah, there's a lot of, there's a lot of stuff I need to go through and get rid of those. Because this whole, like, I don't know, I don't know what that is. There's some kind of subscription.

And if he doesn't. I don't mean, I don't want to. That's kind of fucking stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money.

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Check out the link in the description below to see your personalized offers or go to Calebhammer.com. And remember, you still got to do that. to do the work. I can't. We can't have a kid. For me. He's okay with that. You're the one that wants to have a kid. You're the one that desperately wants one. You're holding something over his head that you want more than he does. I mean, if you can't help yourself, which in turn helps both of us because we're married, so that's my debt now too. Then I'm then I have to leave. Like there's no there's no sticking around waiting for you to fix something that you're not interested in fixing.

Listen, I hope you change it because you need to change it for her and for you. And you, I hope he changes it and I'm on your side in this conversation. But also, I mean, let's just I'll put on my degenerate hat. You don't have to change shit. She's never going to leave. Don't worry about it.

It's not much consolation. But I hope you changed it for all the reasons I gave. Okay, why am I looking at a 34% interest rate? That's crazy. What is wrong with you? Get rid of this card immediately. Oh, here we are. What is this? Clarna, a firm. What is this? Clarn. A firm. I think it's a firm. Yeah, it's a firm. Okay. What the fuck are you doing?

Oh my gosh. Creelty? Creality official store? Creality? Yeah, 3D printing. That's not a cheap hobby. Can I, can I, I brought something for you that I made for you for 30-printing? Okay. Best Buy, Heidenist? What's Heedonist?

That's hot sauce. That's actually cool. Thank you. Very rare that someone gives me something cool. Thank you. Oh, no offense to anyone that's brought stuff in the past. Okay. Heedonis, what is it again? Uh, the, the, it's the challenge for hot sauces.

I don't want to say the name of it because it's hot ones. Why couldn't you say that? Well, I didn't, I didn't want to. Why don't we like hot ones? Oh, well then yeah, hot ones. It's just the hot ones challenge all it is. I do it usually when they have a new season. Secret Lab.

Secret Lab is a chair. Yes, we've been told Sean Evans is a fan of the show. If you ever film in Austin, Sean, I'd be happy to hang out. Okay. Their chairs are expensive, though. What's your, huh? Their chairs are expensive now. chairs?

They're office chairs? They're like... What are you talking about? You said secret labs. Oh, sure. Whatever. Bring up to your firm. Bring up your firm.

And you'll see what the balance payment is. This is insane. The amount of money he just fend spends is crazy. Okay, affirm. $2,767.97. It was more than when I submitted.

Oh. It's like $600 more. So you've spent more since he submitted your document. Yeah, why not? He's coming on financial audit, so he spends more. Woman! I can get your money.

you a nice Christian man. I don't know any, but I can get you one. I can go get a white one too if that's what you're obsessed with. No. One with the receding hairline. I can get you that too. Even get you a one that dresses like a Mormon. Let's just get you a Mormon. You don't want a Mormon.

I'll get you one that isn't all like anti-Jew, black, gay, everything. I can get you so much better. I don't want it. Okay, yeah, good luck for the rest of your life, man. Dude, you're f- I mean, my eyes are starting to open. up a little bit more to what's going on.

Okay. I left one time I can do it again. Yeah, you left for a couple weeks and then came back. This is a little more serious than video games. I'm not trying to bully you. I mean, I am a little, but it's like, I don't know.

I'll talk. All talk. I mean, that's all it can be until time goes by that you... Well, how do you feel hearing that? Do you even believe her. I do. Why?

Because we've done this once before we sat down and went through everything but it was actually we were making less money at that time so it was damning but now we actually

had to be able to do something to change it. We actually have the funding to be able to change it now. Okay, your minimum is going to be $359.26. Okay, who has discovered it? That's probably might as well.

Oh, guess what? It's over the limit. Buddy, are you not seeing how, this is actually some of the worst finances I've ever seen. It's usually because of the, like, I'll pay on it, I'll spend it. I don't care about the usually. I, I can't, I can't keep going over these and seeing that everything is over the limit. I'm done. Like, this is, this is. It's also, okay. This is ridiculous. Like, okay, okay. Yes, you're, you're upset for a second. Sit that, set the fuck down. So the, okay. Okay. Shut up. Stop. You can tell me to shut up after you tell me to stand up for myself And I just stood up for myself

And then you literally stood up But I just want you here for the conversation This is... I understand Probably upset Okay 1,789 dollars 34 cents again that is over

And it is late I told you Oh good The 30 day thing If you're making all this money And we're bringing in all this money Where is it going? If it's not going towards the debt

go into a credit score that's only 616 Where is it Where's it's going to Stupid stuff that we spend money on Like the 3D printers It's going to computers It's going to all kinds of stuff there

But then do you see Do you see how all of that is Like That's not That's not good Like that money That you're spending on your computers Your 3D printers

Why did it not go to that stuff Why was that a priority And not this? It's because I wanted it I think I wanted it He wants some more than you So if you...

You want some more than you. That's the reality. That's the fucking reality. What is this? What am I looking at? That's a pay later in PayPal. That's the second PayPal thing I was talking about. I do have a bad philosophy

that if I have the money in my account... I've heard a lot of bad philosophies from you. If I have the money in my account physically, I'd rather pay it over time than pay it all up front. In case something happens and I need to do something. Or just have an emergency fund. Boom. Solved.

Shut the fuck off. We haven't been able to do that. You have it because of your spending. That's a conversation that we've also had. Like, we need some kind of saving, some kind of emergency fund for that very reason. Okay, listen, $1,292.

I'm guessing the minimum's $300. Should be less than that. What, 200? Yeah, it's like... Okay. $150. What is this? It's another credit card.

This one's at least not maxed out, but Fortiva? Fortiva. Oh. 10% interest three years to pay off. Okay, is this you? Again? Yeah, it pisses me off. I was got a security system for the house through Vivint

and they did everything through Fortiva so we could get the full like so we can get all the equipment and everything and I hate that one so much why it's the lowest interest rate one it's the only one that's that maxed out because they didn't listen to us when I told them that we could potentially be leaving this house they should have given us the rental version not the full and they just kept pushing and then they just did the full version even told them multiple times to the rental version read the contract the What fuck is wrong with you?

No accountability. No accountability with this mother-f- You should have probably read the contract. But you're wrong, man? Got yourself a little pussy. Okay. $3,100, $2,000, $3,000, $3,0,3,020.

$0.64 on that. $99.96. Syncerny. Rooms to go. Classic. It's at the limit. You must have just got this. We did.

Yeah, that's a couch. Financing a couch. Financing everything. It's not something you don't finance. We did the rest of it, like out of pocket. Financed part of a couch. Yeah. Just to make it a little easier. Is it though?

Because your minimum fee payments are just stacking so much that this even adds to it. Even with only $17 a month with the 1,000 hour balance, yeah, it's smaller compared to the other ones. But you're just minimum monthly payment, minimum monthly payment, minimum monthly payment, minimum monthly payment stacking all on each other forever. Yeah, that's one of the biggest problems I've got. One of the biggest problems I've got. Yes. That's not making it easier.

Now it is 0% until... Until... I mean, you'll pay it off in time, I think. Yeah, you will pay it off in time. But still, that's an additional minimum monthly payment. Add it on to it. They're hoping you spend on this card and that pushes it above that date so that...

I don't plan to. You don't plan to, but that's really all you do. It's really all the fuck you do. Okay, Wells Fargo. What's this? Which account is that? $962. Oh, that's your critical card.

That's my credit card. Oh, we finally got to you. Okay. Good. Let me see. What's the limit on this thing? What's the limit on this thing? I won't say, so I can't tell.

Okay, well, you're basically maxed out. What are you doing, Sam? What are you doing? That's why I can't say anything to him about really his maxed out. So what are you doing that? Why is it almost maxed out? That one... $32.

monthly payment, $962.53. That one, I, I'm just making the monthly payments on that one. Yes, but why is it so high, you fucking... Because for a little while, I didn't have a job, and that was the credit card that I would use. Why were you spending on your own credit card? You guys who were married?

That one was way before me and him got married. Then why is it still only barely under maxed out? No, it was spent on relatively recently. Coffee and stuff. Okay. You're just going out to coffee constantly? Yeah. Coffee food, lunch, that stuff.

Maybe you are spoiled. Maybe you are a sugar, baby, gold digger, horror. I don't know. Probably not the horror part, but the other ones. I'm not the whore part. But I'm not a gold digger either. Am I spoiled? Yes.

I will say I'm spoiled. But I'm not. From trailer park to house. I mean, I don't know. The rise has been pretty good. I mean, I could have done that myself. I had to. Maybe.

Okay. You've had a late fee this year. Why? That one I forget. Okay, set it on auto pay, dumbass. But the problem is that one I can only pay with my Wells Fargo account

and I don't use my Wells Fargo account. So no money goes into that Wells Fargo account. So I have to transfer money from my actual account into that account to pay that credit card. So if I forget to do that... Dude, you have to do it regardless.

Like, what the f- Just do it. You have to. That's what I'm saying. do it. It's just that one was late by literally a day because I forgot that it was a day. And then you got a late for you. That's how it works. You should have called and tried to get a reverse, but either way.

Okay, best buy card. I'm guessing that's you. To you? There's... I don't have a best buy card. So yeah, that one's mine. Wow. Okay. Well, I was going to congratulate you, but I'm glad I don't have to. Go fuck yourself. You put a lot towards this. Brought it down from almost 2006-20. I paid on her friends. Well, why? Why did you do this versus all your cards at like 32%. Because there was an argument between And there's a late few this year.

There was an argument between this. The argument? Because I would try to focus on my credit debt stuff for a while, and she wanted to focus on hers. But you're not. You're above maxed out. You're not focusing on your credit. I know. I would pay mine down and use it. And so for her, she didn't use it. Express.

That's mine. I like the jeans and their clothes. Their pants, really. Okay, Express. You are over the limit. Now that we're back to you, that makes sense. Okay. Yep.

You're with the limba by 56 blocks. limit of $550. That's almost always from late. $606.35 with a $71 minimum fee because you went and spent the money. Oh, and you were also late. Oh, Houston Premium something. That's the outlets.

You were late every month this year so far. Focus on our credit. Shut up. They always pull out at the wrong time. This is pathetic. This is so pathetic. I'm telling you, people that make the most money have the worst finances on the show.

See, I know it says late payment on the paper, but is never reporting the credit late. Because it wasn't missed. Yeah, it wasn't a missed payment. It's late, though. Miss would be like, well, much longer. Credit one, who has credit ones? Like, the worst you can get.

We both have credit ones. Oh, my gosh. That's horrible. You guys are not in a position to need credit one. This is almost maxed out. 530. Who's?

That's mine. Is it yours? Yeah, because you don't have anyone over 500? I know, I think mine are 300 or something like that. Yeah, your credit was $30.30. Minimuthy payment, 30. Did you spend on it?

Think, no. No, the fees, interest. Yes, you, no, annual fee. Oh, okay. Yeah, and fees, fees, fees, interest, interest, and here's yours. No, the previous one was yours. That's what I thought. And this one's his, and how do I know that?

Because it's over the limit. What is the, what's the amount? What's the amount? $500,000. What's the amount? No, that one must be hers because I don't, I only have one and one's $5.50. The one that I have is $5.50. No, Colton's saying, and he got the documents that this one's yours and the previous one.

This one was completely paid off and removed. Nope. If that's the case. Nope. It's literally not I only have one credit one Yeah And this one's that

The previous one was hers That's what I'm being told dude Shut the fuck up I'm telling you what it is Her credit one limit is 300 Oh shut up Maybe they raised it And they didn't know

That's 500 My credit one is 5 No So you don't know shit Stop trying to That you specifically said it earlier That you don't know What you're talking about

You're trying to correct us Shut up We have the documents Interest late fee No shock No surprise Late on everything Above the limit

on everything, $500, $500,000 on a 500 limit. What is wrong with you? Minimony payment, usually $30, but it's $60 right now because you're behind. Shut up. Okay, I think this is Klarna, right? Mm-hmm. Who has Klarna? Me.

I think it's like a $77.21 cent minimum. You're getting like Lucky Brand and eBay and Wayfair. Yep. Should you even buying, man. Lucky brand was jeans, closed because I lost a bunch of weight. What about? Wayfair. Wayfair was.

a coffee table for a living for the house. eBay? eBay was, I don't know what eBay was. Who has the care card? We both have a care card, I believe. Oh my gosh, $481. It's under the limit, so I'm going to assume it's a U. Actually, no, that's mine. Care card, like care credit? Yeah. Yeah, that's mine. Mine's not high like that. Wait, I only use that for vet. 4.81. Yeah, that's why we have emergency funds and good pen insurance. Minimumly to payment 30, you know, 481, just under the limit. Now, do you mind as well? Well, there's not so we can go past that.

But that's good. That's a star. Yeah, I think that's good. Okay, care. This one's yours. $220. $30 minimum. Okay.

Yeah, went down. Not at the limit. That's fine. Another care. What do we have another care? It should only be two care credits. Oh, it's because this one's... Oh, no, that was a continuation.

Okay, well, this capital one looks... Well, it should be paid off, so I'm not even going to put it there because someone took it down from 528 to 51, but interest is crude. That one's mine. Because, you know, I am glad that we're at least putting it towards yours

because you don't spend what you put towards it. If we put it towards you, you just spend it because you're degenerate, motherf- intentionally paid a lot of hers down so she gave the car for better interest rate on the car. Well, and because you just spend on whatever you put towards yours. You had a late fee this year, though.

You can't... You guys are not credit card. people. You should just never have credit cards. I'll get you a course career certification since you'll never be able to go to school anywhere. You can only turn that into a better job. I'll do that. But what the fuck we're doing? What am I looking at here? Is this your purchase? I've never had someone actually sending their like for the Nissan. I was told to. I thought. Maybe I was wrong. Maybe. I don't know. What is this? No, Chevy. Sorry. No, Nissan. Yeah. What? We traded the, we traded the Chevy. Oh, you trade in.

Nissan. Nissan what? Nissan Z, 226. Okay, this is hers, right? Yeah, it's in her name, but it's my car. She's in her name, but it's his car. Okay, what's the balance? What do you owe on it? 49,668! With interest rate.

What interest rate? I have no idea. I think it was right about 9% to everything. But we... What? No, my previous car was at an interest rate of 13. I don't give a $50,000 loan in 9%. Go fuck yourself. He may as well end it today in Minecraft.

But what the f that's insanity? That's insanity, dude. What's your minimum? 1042. It's worth 39,000. What is it? 20,000 loan on a $39,000 car, 9% with a $1,000 car payment's crazy. Why do you need such an expensive car, you pathetic?

dumb ass. Listen, it wasn't, it was just the interest rates. That makes it that much higher. No, thousand. Yeah, it makes it 50,000 because of interest rate. Yeah, that was the purchase price in the car. Purchase price was like 45,000. Why are you getting a $45,000 on a car?

When you get a $30,000,000, credit cards, you pathetic worm? Who's the Capital One? That's her car. $5,2008. What is it possibly? A Bronco. Oh, Broncosport irregular. A wild.

track, so regular. Oh, the window! I can. They have no noise control because it's meant for off-roading. It's a sports vehicle and you're driving it in Houston. I test drove on the other. It's so loud. Oh, my goodness.

It was one of, I love the outside look of it, but it's horrible on the inside. And it's one of the worst drives I've experienced. That's your opinion. I very much enjoy it. No, that was the fucking, even the guy that was trying to get a sale's opinion. He was like, yeah, this is like the loudest car you can be in because it's meant for off-roading. You turn on the radio, you don't hear it. That's why she's never going to leave you.

She wouldn't be able to find her way outside the house. She's, oh my, my, are you on this? You're alone? I'm the primary. She's secondary on that one. What's the interest rate? Right, at the same 10%. Oh, good.

We put $7,500 down? No, yeah, $7,500 down. No, no, no, no, we put $10,000 down on that one. Your head is bankers. Yeah, we put $10,000. $9602 $9, $1,000 $4,000 $4,7,000. It's worth 46 and you know 53. I'm just going to end my life.

This is insane. Okay, this is a bunch of student loans. Okay, bunch of student loans. Yeah, they split, I hate they split them all up. Yeah, it's annoying, but I don't give a... Listen. Oh, shit. So this is yours, I'm guessing, student loans.

The 43? Yeah. 42. Yeah. 42,000, 986, yes. Jeez. Rich, I don't pay on until 2027 September. because again, we just started making this kind of money.

It was income-based payment plan at that point. They pushed it back to September of 27, so we just haven't paid on it yet. Okay, checking account. Who's Wells Fargo? Well, it depends on what the last four are. Good man. I don't know. That's obviously blacked off for personal information.

Listen, a lot of money came in, a lot of money went out, so it's probably you. It's my money, yeah. Okay, we started with 101 at your income. It's pathetic. 990 ending. Got some bullshit of Buckees, energy drinks. Get yours. 40 cents a serving.

instead of stopping in and getting some bullshit, and gamers subs, get the flavor you like with the free samples. Link below. Twitch, you're paying for Twitch. Who are you watching on Twitter? Who are you watching on Twitch for $18? It's like... I'll watch Smitty a lot.

Is he politics? Gaming. No, no, no, gaming. Okay, I thought you were down the, like, political... Waffle House? Bullshit. I know what that is. That's the main account.

That's Waffles. That's the main account. Margarita Spicy. Margarita Spicy, $600. Yeah, so that's... her name of my phone. That's all it is. Oh.

I'm selling her a lot of money. Zaxby's Pirateship, Google One, Google Life 360, PayPal, PayPal, PayPal, PayPal, PayPal. Something auto, but it wasn't for a car payment. Appleville, cash app, premium, PayPal, PayPal, PayPal, Coach, Outlet.

There it is, $338. That says, Sugar Daddy, spoiling you. Amazon, Amazon. I'm not saying it's, like, bad, but it's just like if that's what we're using for like, you know, gold digger? I don't think an outlet purchase is gold digging. Oh, and you have $10,000 a student debt,

but you didn't send it in. That's great. You didn't send it in? I didn't, I don't even know. No, I don't know. It's all on deferment. Is that it as good? Yeah, we'll see after you guys filed jointly. Okay.

We've already filed jointly. We've already filed a couple years. Yeah, so it'll probably start at some point soon. It's been, it's been a couple years, but yeah, I'll probably start seeing. Yeah. 44 cents in your checking account. Chase, right? Mm-hmm.

Yeah, you're pathetic. Raising canes. Bullshit, bullshit. Rover. You see people go over when you have no money. Golden nail lounge? Let me see. That account started.

That account started after. Fine. They're short. Not good for back scratches. Rip. Sorry, buddy. We just had a short one. We just had to shorten her nails.

Yeah, we just had to. Yeah, they kept breaking. And like. Rip for your back scratches. Okay. Yeah. Well, I'll try to bunch of you guys. But this is crazy, man.

Guys, join us for the post show. It's going to be really good here in a little bit, but I've got to get these minimums. I'm going to go through his phone, see the weird shit in their messages that she was hiding. What are you scared of, girl? You're scared of Sam? What's so spooky? I'm not scared of anything. I just don't like people going through my phone.

Why? You want to go through our messages? No. Why? My phone to me is mine. I own it. Well, that's why I'm going through it, silly. You want me go through your phone?

Sure. I don't get shit. What the fuck? What I care? I just, I just don't like it. I just don't like other people having my phone. There's nothing on there. He's going to have mine. That's fine, but he can go through my ears. Okay, your minimum fee payments, this is fucking insane, guys. $3,823. It's one of the higher ones we've had.

No mortgage. That's our minimum? Yeah, it's your minimum monthlies. 30 cents. What's your rent? 24, 24. Jeez. That includes car payment, correct? That 3,000 monthly money?

Yes, that's a death. Gas electric, all utilities plus internet, how much? Looking at probably about 300, 350. We say phone bill? We don't have phone bill. It's family plan. Gas, room, room, drive, drive, both of you, combined. Easily, I'd say combined about 300 a month.

Car insurance? Car insurance is around 400 a month. Necessary food, $600. Pretty easy. Follow the meal plan, get the cookbook, use the dial otherwise. Tee, fun. anything else you guys need to survive, all the nails, all the good stuff. You know, goodies, goodies. $250.

$250. Medical health care, their co-pays on a monthly basis? It's on a biweekly basis, and it's $1.50. Cool. A month or $300 a month? $300 a month total. Okay, subscriptions, I'll give you $50. Is there a gym?

No, it's paid for it by my job. Okay, how many pets? Three. What are they? Two dogs and a cat. Okay, $150 and some pet shirts, because you have to have decent pen insurance so you don't go further into debt on care credit.

So I don't have pet insurance on them because I work in the vet field. So everything's at discount for me. Why are you guys going into care credit debt? That was before. That was before I was in the vet. Well, a discount, but enough in a life-saving surgery? Yeah.

Like I get a really, no, but I get really good discounts at where I'm at. So a $10,000 surgery happens. How much is that going to cost you? Depends on the surgery, I think, right? Yeah, I'll cross it out for now, but pet food, how much? About,

It's about 100 bucks a month We don't buy food twice a month For Linux and the cats Or the cat and the dogs No, that's closer to 70 alone That's like 70 bucks alone The dog food is 60 or 70 alone So 80 bucks

The Linux food is like 26 You live clear Only if we get the really big It's $100. Very expensive to live budget By $8,597.30 Because you guys are crazy

but you make crazy income. My net was wrong earlier, by the way, when I told you. What is it? It's actually more like 14,000. Really? Yeah, it's like 13, 14,000 net. I get monthly stocks from my job. We sell.

Okay, so you have an extra $7,6002 and 70 cents. I'll just call it. I'll give you 600 hours of fun. Why not? You have $7,000 left over. Again, this is going to just piss me off because it's like, why the fuck are you guys even in debt? You are blessed beyond blessed, beyond blessed.

This just... You guys are f***ed with your cars. No, you maxing out your credit cards and bullshit. You didn't have to do all that. You didn't have to get cars you couldn't afford. No, I'm talking about income. It doesn't matter. You didn't have to get into this situation regardless.

With a lower income, this... What you guys have done with your money. You're spending your bullshit, your desires. It's all stupid. So minus the student loans. You know, 135,000, $326. Because student loans will minimum pay them until they're paid off. And that it's a lot of money,

but with your $7,000 extra, even with your... Dude, it's a fucking year. This is pathetic. Shut the fuck up. Your Hammer's financial score is you're both privileged who don't even know

what a hard time is and this is pathetic that you're even in this death so go f*** yourself. Get yours at calohammer.com you won't get that score but they will. Go fuck yourself.

Join Hammer Elite, three premium shows every single. It takes a year and a half. What the fuck is wrong with you guys? What are you in the? That's so stupid. You guys are.

Join us to the post show. It'll be a good one. Join Hammer Elite. I'll see you there. Do you have girlfriends? No. I actually don't have. No.

You were flirting with men. Yeah, there were definitely too far conversations in the past, too, that I'm like. Buddy, see, she was flirting with men. You've quit talking to women, but she's still talking to guys. Like, yeah. And it's on Snapchat. Those messages are going away. He says, I love you.

She says, prove it. He says, I will tonight. I just launched the brand new Hammer Elite app available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus, I have an exclusive offer just for you. But I'll only have a thousand available to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch.

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