Source: This Has Never Happened Before | Financial Audit Channel: Caleb Hammer Published: April 22, 2026 | Archived: April 23, 2026

Video: This Has Never Happened Before | Financial Audit
Channel: Caleb Hammer
Published: April 22, 2026
Duration: 1:33:28
Views: 361,680
Category: Education
Video ID: msYTFQ4OIu8

Description

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They couldn’t talk about this in the main show - there is so much family drama that is INSANE - so much so, that I make her call her dad and finally confront the situation… watch here: ➡️ https://bit.ly/chpostshow ============================= 👉 Checking & Savings: GGet a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-website

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============================= Chapters ============================= 00:00 Intro 01:14 Jobs & Incomes 03:00 INTENSE OUT THE GATE 06:05 oop hes calling cap?? 08:15 What Is His PROBLEM (she has bad taste in men) 12:06 hmm they dont seem to get along lol 17:30 BROS USING TIKTOK FOR FINANCIAL ADVICE LOOL 25:00 Chat, whos the problem here? 29:10 YES DRAG HER BACK 32:00 shes kinda cooking him lol 35:50 D1 Instigator 39:00 CALEB WITH THE RECEIPTS 43:00 where does his money go? 47:30 W deflection 51:30 no excuse to not have this paid 54:00 D1 Manipulator 56:30 ALL BARK NO BITE IS CRAZY 59:45 ngl chat, this reminds me of home 01:04:15 she didnt even know.. (but still got new iphones) 01:10:00 nothing is ever good enough for her lol 01:16:00 a new pay in 4 has spawned 01:19:10 oh but they cant afford monthly payments!! 01:27:57 Budget!! 01:30:55 Hammer Financial Score ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel

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Transcript — YouTube panel (human-authored)

0:00 I have written right to my left. If he doesn’t get his finances fixed immediately, there’s no wedding. It’s not even just the debt that’s making me want to call it off. I’m also the only one paying for it. She literally told us in private without you that she’s thinking of moving out. I’m exhausted every day. Is that what we’re going to do when we go back home? Do you want me to pack up and go?

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0:57 Hey, this is Kimberly. I’m 26. I am Hudson. I’m 25. We’re in South Bend, Indiana. And this is Financial Audit. Thanks for coming down, guys. An hour from my hometown of Kazoo, Michigan. Nice to bring you all down to Austin, Texas. Kimberly, what do you do for a living? I am a medical assistant. Sure. What do you make? I am making 1836 an hour. I think I take home monthly about 21. Little fun fact for everyone, Indiana.

1:23 Not expensive. So that’s actually uh potentially okay. Let’s say you’re take home one more time for me. Roughly 21 a month. A month. Yeah. I get paid every two weeks. Hudson, what do you do? I work at a steel factory. Sure. There’s northern in Indiana for you. If you’ve ever heard of Gary, Indiana, that stinky shitty place on the lake, that’s where they make [ __ ] It’s horrible. Okay. I mean, you kind of look like it. Mhm. I fit I fit into the group.

1:48 You really do. It’s kind of What the is that hairstyle? It’s You don’t even want Can you lift it up? That’s not what I was talking about. This okay it’s bad. You know, it looks like it’s receding more with your weird thing down the middle. Supposed to be here, but Okay. It’s bad. Did everyone in the steel plant the hard hat? You don’t see it, so it works out. What do you make steel? I’m at 2125.

2:15 Sure. What’s your takehome? Take home it’s about 2200. It only brings an extra hundred. No, that is not. You’re making more. You’re close to 700. Why does she know and you don’t? Yeah, I know. It’s like 700 a week. Take home. So, times 4, which is 28. 28. And that’s why he hits metal for a living. Okay. Well, okay. Now, you combine that and you live in South Bend. That ain’t half bad. But here’s the thing. I have written right to my left.

2:53 If he doesn’t get his finances fixed immediately, there’s no [ __ ] wedding, which I assume is coming from you if you’re saying him. Absolutely. So, what is going on? I wouldn’t get married to someone who’s shitty with finances either, but what is going on? Um, I just So, when we got together, he had the debt. It wasn’t nearly as bad, anything like that, but I was aware he had some. I had some uh 2023.

3:17 Okay. Okay. only barely just 3 years ago potentially we were in a situation where you were coming in with debt but not this bad and this is uh bad it’s a lot of paperwork go on um and for a while we were paying our debt every month he was doing his I was doing mine we were kind of just doing our thing and then my we had some things happen that made it where I no longer had a job and some things happen did you do You got to lay it off.

3:49 Um, my son got cancer. Yep. RIP. No. Okay. No. All is in remission. We’re good. Yes. Wonderful. No rip. Okay. Starting to look like a cancer patient. So, it passed to you. Yep. Wow. So, anyway, so I Time to shave. I I quit my job so I could take him to the hospital. I could be there for him. He kind of took over the financial responsibility for me and my son a month into meeting each other.

4:23 Oh, why? Well, did you request this or did he just naturally do this? He just naturally stepped up and How did you feel about that? Um, it was interesting cuz his uh my son’s dad uh is not that kind of guy. So, having someone step up that barely knew us was in just crazy. It was good. It was a good feeling, but it’s intimidating as well because I’m like, you know, I don’t we don’t know each other, you know.

4:49 Yeah. I don’t know. I wouldn’t necessarily allow it. I know there was a lot happening, but okay. But that already happened. Yep. So So then he took over. We for about a year I didn’t have a job. We were going through that. Once he was done with everything with his cancer, I went back to work right away. Yeah. This is a lot of backstory for if you do not get your finances fixed, I’m not marrying you in like a what? Well, it was like a week or something I saw.

5:10 No. Yeah. So, okay. So anyway, so then all of a sudden, I’m giving him one week to fix his finances. So there’s no wedding is what was said in the pre-in. So what the like I’m sorry, cancer. No. Yeah, cancer is not good. So basically, I’m sorry, but what’s happening now? He’s just not doing it. Like he racked up all that debt from taking care of us and then just gave up. Like I don’t know. He just like stopped paying his stuff and it’s racked up. And why are you giving up?

5:37 I’m covering all the other expenses right now. What other expenses you’re giving up? like Notre Dame did with the college football bulls paying for all our eating all the time and then every time we go out to the mall University Park buying stuff all the time and then every time we go she’s giving up on paying your debt. Okay, she’s giving you a week or the marriage is off. Yeah, I don’t Well, so you’re going to keep going to the ball like a girl? The the wedding ain’t off. She’s lying.

6:05 Um, no. I’m not going to I’m not going to marry somebody and commit my life to somebody who’s can’t even pay their $100 a month thing and then what? We get married and we have all this debt from the wedding and we move into a house and you don’t pay that. Like we have two children. Yeah. But we can’t just you can’t just forget about all this stuff because like that doesn’t make any I’m not doing that. I’m not putting myself and my children in a situation.

6:29 How’s your finances? Not nearly as not as good. bad as yours. Yeah, she she always does this. She goes in the rabbit hole about how I’m bad, but she’s over here buying stuff left and right. Are you No, I don’t think I wouldn’t say I’m than you are. But if you’re the one giving the ultimatum, but he’s saying you’re kind of the same. Okay, look at your debt number and look at my debt number. Mine is very easily fixable. I just have to commit to it. yours is like, then why didn’t you fix it? Wouldn’t that be exactly what you would do if it was so easy to fix? You’re the one putting the ultimatum, meaning he’s the one that is completely [ __ ] up.

7:13 If you’re if you’re also doing bad, is there an ultimatum to give necessarily? Maybe that’s why he thinks you’re bluffing. Are you bluffing? I’m also So, it’s not even just the debt that’s making me want to call it off. I’m also the only one paying for it. He hasn’t put a single penny towards our wedding. Okay. Well, you’re making Oh, to the wedding. Yeah. Like not a penny. So, it’s like I’m paying for it all and you also if our finances were basically combined at one point during uh cancer, sad, sad, cry, cry, what is so independent now where he’s choosing where to put his money, you’re choosing where to put your money. It seems like we went immediate, combined, then separate. Now, we want to get combined again with marriage.

7:51 So, I pay my bills. I’ve paid my credit cards. When as soon as I got back to work, I started getting back. When did you get back to work? obsessed with going back the morning of 2024. Okay. Okay. Well, there we go. 2 years ago. So, yeah, I’m again I’m talking about today. I don’t give a [ __ ] about. So, I pay my bills every month. I’ve paid my car payment. I pay my insurance. I pay when you say bills, you’re talking minimum to payments. It’s not actually a wing balance.

8:13 I have I have tried to pay extra when I can like not a single payment. You’re just not making a payment. Yeah. No, there’s no payments being made. We’re just ignoring them. Yeah. I wouldn’t want to marry that either. What the [ __ ] is wrong with you? Yeah, if you guys are Do you own a house? No. Are you going to own a house? We have a child. One two ages. Not in this market. Um, we have a the 5-year-old son and we have a 9-month old daughter.

8:44 Oh my goodness. And you’re not paying your payments? South Bend. You can afford a house in South Bend. Not with my credit. Now because of you not paying your debt. That’s what I’m saying. What about your kids. Would you not care about them? I think you should. We’re fine. We’re fine. Your credit’s not fine. You can’t get a house. What do you mean we’re fine? Where’s the fine? You want to get a house with the kids? I would love to get a house. [ __ ] you. Yeah.

9:09 Also, why are you having a kid with someone you’re not married to? What I’m guessing is the second time. No, I have a My son is from a previous relationship, so marriage. Marriage. No, that’s what I just said. Why are you having another kid with someone you’re not married to again? Why do we keep making this mistake? What happened last time? Okay, last time was not the same as this.

9:29 And what happened last time? Last time I met a guy when I was 19 at work and got pregnant. This one was a committed long-term relationship. What happened last time? Why did it not work? Um because he was abusive. Okay. This one is not. Well, you love having sad things in your past. Yeah. Yeah. Okay. Why don’t you hit her so we can get something sad in the present? I should. Okay. She’s lucky. Bad joke.

9:51 But that wedding stuff, I am paying it back to her. Yeah. Okay. So, you’re going to pay it back to me, but when is that going to happen? You’re not paying your debt. How do I How can I trust that you’re going to pay your debt to me? Oh, was he abusive or you’re just trying to cover her up? That is the the the the that uh Oh, no, no, no. Your ex before. Okay. You collect them. You collect them. Wow. Your ex before that was the minors. Yes.

10:17 I have a track record. Okay. So, minor, abusive, and now it is someone who’s borderline. I don’t want to say financially abusive, but you are completely taking down the relationship and you’re not going to be able to do the things that married couples want to do with houses and cars and other things like that for the sake of their children because you are deciding unilaterally to completely the finances.

10:39 Yeah. All the weight’s going to be on her shoulders. You don’t give a want to get in a relationship. You want to head down this path again. No, he’s not diddling a kid. Thank goodness. Appreciate it. No, he’s not beating you. I don’t see any marks. Appreciate it. But do you want to go down a path of another guy that is Well, I mean, I guess that’s why you put on the ultimatum. I would too. I mean, it is a learning lesson at this point. Obviously, different things, but it will hold back and [ __ ] for life and your kids’ lives as well. If this dude doesn’t give a [ __ ] and he consults no one in the things that he does with his own finances cuz he only thinks about him and himself.

11:19 No, I’m paying everything back and I already told her that. What do you mean? And you haven’t made a payment. I heard you haven’t made a single payment. Where’s the paying it back? I don’t hear paying it back for the wedding. Paying her back. More than a wedding. The wedding is is here. We’re talking about the debt that is here and back that you still need to make up for. Like I don’t I don’t see you paying me back.

11:39 Let’s just throw out a number. Two grand that I put into the wedding. I don’t see you pay me that back when you couldn’t even pay back your $600 credit card or your like, how do I I didn’t care about the credit card. Okay. But now your credit is and when I marry you, that’s going to bring my credit down. It’s going to make all everything go to [ __ ] for me, too. Your credit’s already [ __ ] cuz you don’t pay your stuff anyways. I do pay mine every single month. Yes, it’s the minimum payment, but at least I’m paying it. Is it getting anywhere?

12:07 It my balance is going down. Yours seems to be going up in fees. And now, oh, I’m sorry. A attorney’s office has now gotten a hold of you. Oh, for the collections? Yeah. Yeah. So, yes, I have my own [ __ ] but like, how could you possibly defend yourself and even try to put her in a position that’s comparable to yours? It’s the same thing in my opinion. How How in your opinion is it the same thing, guy?

12:33 Yeah. How is not one of my things being in collections, not one of mine reaching out to me letter after letter after letter? Continuously use the card. You just keep racking it up. No, I don’t. I do not use my credit cards. I haven’t touched them. They’ve every time we hit Target, that thing gets used every time. I No, I use my money that I make from my job when we go do that stuff. My credit cards I stopped using because I So, why are you still having to pay on them if it’s still balances on them?

13:02 No, don’t get me wrong. Like, she might be doing bad behavior still. Doesn’t mean she’s equally as bad as like she’s like smoking a lot of weed daily, right? Maybe not the best for her brain and lungs, but you’re like injecting. It’s like it’s not comparable. And yeah, probably instead of getting her [ __ ] she should be paying down her cards more. I will yell at her for that. But you trying to equate you just not paying anything on your debts, buddy. I know for a fact here that you’re like, “Okay, no, I I’ll help pay back for the wedding. I’ll help pay back for the wedding, but only after I get my dream car, which is what I’m trying to do.”

13:38 Uh-huh. And you’re trying to say you’re comparable? Not in that way. I know. I do. Not in that way. I would say that’s a part of the entire way. Yeah. I don’t I don’t understand how you’re doing this whole dream car thing when you owe me money, you owe credit card money, and now you’re wanting to get out a loan and add a 10 more debt. I mean, you’re talking about, you’re not talking about going and getting a small loan and buying a car off a friend.

14:03 Like, you’re wanting to go to a dealership and get a 20, $30,000 car. How are you doing that when you’re being potentially sued by a credit card? Yeah. Wait, how are you borrowing that money? And also, whose dream car is a 20, $30,000 car? And also, how are you borrowing that money with your subprime credit? Oh, bringing a 30% interest rate into this household. Yeah, we are. That would be how I am, how I do it.

14:28 And you think that’s a good idea with you? That’s how your yours is, too. Drive time. Yeah, same thing. My car I’m paying I am able to afford and pay for my stuff. We’ll see about that. No, I I I would get a higher interest rate, but with my with my hourly, I can afford it. And what is your dream car? Well, I wouldn’t say dream car, but look, I want to get a Mustang. With our two children, people. There’s seats in the back. They’ll live.

15:02 Why a Mustang? Yeah, it’s a you’re wanting a like a twodoor car with two car seats in the back. I don’t even care about that. Just buy a [ __ ] Mustang. Are you They’re nice. They’re nice. Okay. Yeah. Paying having no debt debtree is really nice, too. We’ll get there. Being able to We’ll get there when it’s been 3 years and it’s for some reason your numbers going up. Mine are going down.

15:25 So, if I don’t What am I missing here? If I’m understanding this correctly, you’re giving him a week from the filming of the show to show that he’s changing and I’m not saying like you don’t have I’m not even giving him a dollar amount. Just show some initiative that you’re going to pay it off. Like something call the place, have a a payment plan, some kind of effort towards getting rid of it. I’m not going to be putting in the work for my stuff and then you just continue willy-nilly and then you get a wedding and then you benefit from whatever work I do put in. Like, how is that fair to me? in anyway.

15:57 My car died. I need a car. Okay, I get it. What did you say? My car died. I need a car. I’m borrowing my mom’s car now. Sure. Is that okay? Not really. Is she allowing it for now? As of now. Does she say she doesn’t want that anymore? Recently? She said that. Okay, then get instead of a Mustang EcoBoost [ __ ] dumbass. It’s good on gas mileage. That’s nice. Do you see the priority difference here?

16:28 I do. And why the [ __ ] would you even stay with him? I don’t understand. If this is his entire if this is his entire mentality, where does the rest of the marriage go? Where does the future of our relationship go? What does it look like? I have no idea. He going to be like this throughout forever with more kids maybe. Well, and that’s the other thing is like we’ve even had that conversation like he wants more kids and I’m like, how do you want more children when we farther down the line.

16:55 Okay. But well, that’s not anyway. But I just I don’t understand like where in your brain, let’s add on another kid that costs God knows how much a kid costs every single day. Look how much we spend on our daughter to make sure she’s got things. And you want to add another one. Not anytime soon. I already told you that. Yeah. But just it’s just the point that that’s even a thought in your head that that’s something you want. You want a new car? You want this? You want to We have We have time.

17:27 Where are you getting your financial information from? From from I look it up online. No, go ahead. Tik Tok. Not all Tik Tok. Tik Tok. Tik Tok. YouTube. Google. Everything. Yeah. He’s got some guys that his friends have told him about that are on Tik Tok that are really good at all this stuff. So, he’ll he’ll listen to them. Good. What stuff? Just finances. They tell you what to do. Finances. What finances? Car.

17:52 They tell you on how how to go ahead. Work with your finances better. Work with your finances. What do you mean? I mean, can you can you talk? It’s it’s like how you can uh What fumes are this plant? I guess a lot. Yeah, I agree. Say things. It’s to help you pay off your debt. Is it to make stuff? To use stocks? Like what are you what what are they teaching you? It’s just to pay off the debt. But I did I did start getting a payment plan, but then I never even play paid.

18:24 So the Tik Tok suggests get a get your EcoBoost Must thing. That’s what they suggest on Tik Tok. Well, no. Then what the are you talking about? Well, I lost my car and then my mom’s been Okay, but she offered up her car, I’m being told. So I But you said no. Yes, I told you. Why don’t you take over my car since you drive it for work and I’m the primary transportation all the time anyway. I’ll get a bigger car like an SUV.

18:50 How are you going to get a car? With my money. With what? What money? What do you mean with what money? You don’t have any money for a car. Do you again? Okay. I obviously do have money for a car if I’m able to pay. All my bills are being paid every month. And I’ve even started saving like I’ve got automatic savings coming out of my account so I can have money on the side for emergencies. I have a savings account for our children. So if they need anything, I have my own money set aside for them. It’s not nearly enough for a new car, especially with credit.

19:23 That’s why you work towards it. Unlike you who’s just been working towards it going down. Do you see how this It’s not That part’s not about me. It’s about you getting a new car. Oh, I can get a new car if I need to. I have the What do you know about her finances? Uh, I know. What do you know about his? I don’t know anything about his. He doesn’t tell me anything. And we’re thinking of getting married.

19:46 Oh, no. That’s a conversation we’ve had multiple times that I’m very open about mine because I am in a relationship with you and we have a child together and we so I’m very open about my money where I’m at if I can’t or can’t afford something. Him on the other hand just negative. That’s true Hudson. It’s true. And you’ll just willing you’lly-nilly go negative. You’ll just be like, “Oh, I have a $200 overdraft protection, so I’ll just go $200 in the negative. Oh, I get paid next week. It’s fine.” If she’s being open, why are you not [ __ ] sharing [ __ ] dude?

20:18 Because I whenever we go out and do anything outside of when I’m at work, I’m paying for everything. So that’s why you won’t share your information about your finances. I’m not sharing. It’s it’s I just don’t talk to her about my finances ever. If she If she asks, I will say exactly what’s happening. What do you mean happening? What what what are we talking about? What does that look like? Tell me. You ask, then what?

20:38 I’ll simply just ask like what are we looking at with money? Like here I am. you I don’t get paid for two more weeks, whatever the case may be. Can we afford to go do X, Y, or Z? Yeah, it’s fine. And I’ll say yes or no. That’s nine times out of 10, you tell me yes. And if you tell me yes, as the man of our house, I trust that that’s a fact. Like, we’re good. But then next thing I know, I see him having a dick mean he knows numbers. Well, I mean, he’s still like as I mean, I don’t know. I just believe that the man of the relationship should be able to That’s a trad couples on this relation on this show. It’s kind of crazy to a point that language.

21:17 I’m not going to say like I’m completely traditional cuz at the end of the day I also traditional values on him. Well, not on yourself. There are certain things certain parts of our life that I definitely think is you and certain things are only him. It’s like here’s traditional expectations on him and no traditional expectations on me. I have money expectations for him and I have motherly expectations for me. I’m a primary care’s I take care of my children. He should be able to be like, “We can’t afford this. We’re not doing that.”

21:44 So, I’m confused. If you’re not getting the insights you demand, why are you giving him money? I’m being told you’re giving him money. Why are you giving him money? If you’re not even getting the insights into the finances that you demand from the man who should be First of all, is that even him being the financial, you know, man if you’re giving him money? No. So, you’re a child. Yes.

22:02 You suck with money. So you download a budgeting app. You start with the classic one, wab, but everyone just deletes it because it’s way too complicated to use. So you go to every dollar. That’s Dave Ramsey, the personal finance guy, right? Well, they’re going to force you to use it his way. That’s not very personal finances. Rocket Money, they got a lot of commercials, but they’re owned by Rocket Mortgage.

22:24 Guess what? They want to sell you in the end. Then there’s the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn’t have the best track record when it comes to private data. That’s why I like DollarWise. Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now. Start the free trial. Wise.com.

22:50 Link in the description below. That’s kind ofing stupid, I’ll be honest. But what’s not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to $200 in bonus cash right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That’s incredible. Check it out. Link in the description below. What money are you giving me? whenever you need money, when you can’t afford to get food at lunch, when you’re at work and you’re like, “Can you send me money for Chipotle or can you send me money to go get some Taco Bell or whatever the case may be?”

23:31 That’s not even true at all. When is this? Is it in the statements? Okay, here’s the reality of the situation. You won’t go give her the information she wants. I do if she gives it. If she asks for it, if she asks for what? She just asked if we can afford this. I don’t say how much money is in your account. I just say, “Can we Why don’t you try to get insights into that? Why don’t we try to know what combined would look like?”

23:54 I think cuz subconsciously I know that he’s going to either say yes and he’s lying. Well, no. How about you just actually get the documents and pour everything into a budgeting app like dollar-wise? But isn’t that what we do when we make a household budget? But we’ve also tried budgeting a 100 million times and Well, how’d you do it without getting combined finances? Well, we not actually combined accounts, but bringing both document sets together.

24:16 We have done that. I mean, we’ve sat down and we’ve gone through the bills we pay and we’ve come up with a good budget. Like, genuinely, I want to do it and he doesn’t. The [ __ ] is wrong with I do I do do it. What do you mean? When do you do it? The only thing that harms the whole budget is honestly food. Food is the only thing that harms What about when I say let’s go to the grocery store and get two weeks of food and we don’t use it and it gets wasted. do use it and I will cook dinner and things like that, but then you’re like, “Oh, maybe you would do better cooking dinner if you actually helped with the kids around the house.” I hear you literally just get home and just play video games. Don’t even acknowledge them.

24:52 Or you take your little nap. Don’t forget about that. Yeah. Yeah. After the nap, I we do whatever we need to do during the day. You play video games? Yeah. What about if I have time? Why are you saying you just play video games all day instead of taking care of the kids? It’s hard for her to kick. Well, and I don’t understand how I get home from work at 5:00 p.m. and I immediately I’m into mom mode. I’m making dinner. I’m giving baths. I’m doing all that and you’re playing your game or you’re on your phone or you’re or I’m literally vacuuming around you and you’re just watching me on your phone and you don’t like the baby will be crying while I’m trying to do this and I have to get up and go do it while you sit and play your game. Or the middle of the night I’ll get woke up. I get up at 6:00 a.m. for workh and she’ll be crying, crying, crying new shift or old and you’ll just be sitting there on your computer. I’ll wake up and I’ll look over you’re on your computer playing the game while she’s crying. So

25:37 I have to get up and do it. Like I don’t understand this new shift. It doesn’t matter. It doesn’t matter what shift you’re on. You always have done that even before the baby when would need something or whatever. Like you’ll be like well I can’t pause the game so just wait a second. Yeah, that’s on my that’s that’s what I did now. Yeah, but it doesn’t matter. Before is not like that at all. It Yes. When we worked the exact same shift, it was different. But you’ve been on this shift, this night shift where for months. So even if it was two months, it shouldn’t be happening. I shouldn’t be the default person just because you want to play your game or you need to go do this or I I want to go test drive some more Mustangs or whatever. Like Mustangs.

26:21 Yeah. I don’t understand. How is it all pointless car? I understand getting the groceries to cook, but it is difficult if we’re both coming home from work and then you play video games and she has kids running around and screaming and also needs to cook at the same time and you’re not helping. You’re not and that’s usually when I’ll end up being like, let’s just go grab something cuz I No, when it was on my first shift, that stuff never happened. I never played the game. I can play it maybe once once a week.

26:46 And I said that that’s true. When me and you when you got off at 3 and I got off at 5, it was much different. Correct. But you now are on the shift and as far as I know, you’re going to be working the shift for the foreseeable future. Feels like you’re not willing to do anything other than get to your goal of the Mustang because I know you’re trying to be a streamer. That’s what you were focused on. Then you gave up on that.

27:03 Now you want to get a car instead of actually helping them. And one of the big things of actually helping is getting out of the mom’s basement. She wants to get out of the basement, but you’re doing absolutely nothing to get out of there. And you’re prioritizing getting a mustang. Who gives a [ __ ] about your Mustang? Get out of the basement. And while we’re at your mom’s, I feel like you’ll default to just having your mom here, will you watch the baby real quick? Or asking your sister to watch the baby real quick or whatever. Okay, but what about when we move out?

27:29 You’re going to have to do some [ __ ] you don’t want to do. You’re going to have to take the kids to the grocery store with you. Correct. While I’m cook like whatever, like, but you won’t do it now. If you won’t do it now, how can I trust that you’re going to step up in the way that you need to when we move out? If we move out. When we moved out before, there was no problems. We didn’t have a baby. So, not the same. We had a a child who could entertain himself and I could cook while he played in his room.

27:55 She literally told us in private without you without you that she’s thinking of moving out without you to motivate you to get your [ __ ] together. She’s lying. Am I? Yes. You always say that. Yeah. And the only reason she always says that is not is that not worth something? Has she moved out? Yeah, but why do I have to move out for it to smack you in the face? The threat of you, of your family up and moving away from you, it doesn’t matter. The threat of me getting up and moving away from you should be enough for you to be like, “Oh [ __ ] let me let me let me re-evaluate like what I’m doing and what’s going on around me.” But instead, you’re just like, “Oh, that’s what she says all the time. She’s not going to do it cuz she hasn’t done it. So, should I do it?” Because the other thing the only thing that’s stopping me is the fact that I love you.

28:36 So, I don’t want to do that. But at the same time, I have to think about my kids who I think about first all the time. While it seems like they and I are the last thing that you think about and it’s what you want, you want you want then it’s us. But I do think about them too first. How when she thinks she’s a single because whenever I’m at home, we’re always doing things that you want to do non-stop and it’s always costing the highest amount of money.

29:04 That’s not true. I’ve told you multiple times we can go. Tell me about that. What What’s happening? What you doing? Well, we always have to go somewhere because we can never sit at home and do nothing. So, that means every time we leave the house, it’s automatically we’re going out to eat every time. And that’s a nice $70 bill. 6070 with us three eating there. Um, and then on top of that, we’re probably going to go somewhere, probably the mall, Target.

29:28 Got to get new jeans. We got to get makeup. We got to get whatever new we need every time because we can’t sit at the house. moving out. It’s so we just do that. Okay, so my turn. Um, so whenever we do go out, I have said multiple times, I love I involve my kids in everything. I’m that parent who I just I feel almost like a guilt when I don’t involve my kids in the things I’m doing. But I’ve even said, why don’t we we can go do something for free? We can go for a walk. We can go take the kids to the park. Whatever. He doesn’t want to do that stuff. So then I’m like, okay, you don’t want to do that stuff? No, I do like doing that stuff, but every time we leave the house, it costs money, so I don’t want to go anywhere.

30:07 You’re lying. I’ve multiple times said I’ve even asked, “Can we go? Let’s go have a picnic at the park with kids.” Well, that means bringing food, not paying for food at the fast food place. That’s Have we ever went because you don’t want to. And every time we do, I told you we can do every time we go do stuff that is what I want to do. You literally like look miserable. You look like you are having the worst time of your life. But I tell I tell you every time we can go do it because it costs less.

30:32 It’s not the same if I ask to go do something and you look like this whole time. I do not look like that. Yes, you do. You look miserable or you’ll complain or you’ll make comments or you’ll just give off this like annoyed I could be doing something else. So the only time you don’t look like that is when we go do do stuff like go to the movies or go bowling or we go out to eat. When we go do stuff that costs money, you actually look like you’re having more of a good time than when we just spend good quality time together.

31:00 And the reason I don’t like staying home is because when we’re home, you’re either on the game or you’re on your phone. Is that true, Hudson? Is all that true? Partial of it. Are you not having fun out with the family? I do have fun with the family, but the I do like staying home. I don’t game or being on your phone or watching if I can play the game. Well, let’s think for a second. It is fair to Well, I mean, with kids, we have to take care of the kids.

31:25 But it is good to get space. It’s good to get rest. He is in a very He is in a much more manual job than you. So his body needs more rest. It It’s And some people like to stay at home more than go out. Obviously with kids there’s less of a compromise we’re able to do, but that’s not an inherently bad thing for him to do. But if that’s all we do, then it is bad. But all we do is go out and spend money is also not good.

31:49 Well, and I also disagree about the work a little bit. Um he’s not like the hands-on working at his plant. That’s not You don’t know anything about the job? Yes. You literally work you the most that you do is walk from building to building. That’s the only physical labor you do. And at my job, I’m up walking around the the halls. So, you’re walking around the same? Yes, I walk around just as much as you do. You load semi-truckss.

32:14 Do you do that by hand or do you use a forklift for that where you sit still? You still have to know how to do all that stuff. Yes. So, you have a mentally heavy job. Have you loaded a truck with a forklift? I know that you don’t use muscle to do that. Have you used a crane? You also don’t use muscle to do that. You’re using machinery like you’re operating a machine. Correct. You’re not like backbreaking labor every single day. So, when you’re doing the whole, “Oh, I’m so exhausted.”

32:44 I’m exhausted every day from working and figuring out food for our kids and taking care of our kids and getting our kids to bed. You get home at 11 or whatever and you just immediately get on your game. And so when I wake up in the morning, what am I supposed to do at 11:00 at night when everyone’s sleeping? What are you playing on my game? Whatever. Whatever is on there right now. Marvel Rivals.

33:09 Show me your left hand. Damn it. Give me your phone. Open your phone. Right hand. Damn it. Wait. Show me your palms. Oh, no. I mean, he has he has some marks of a working man. He has some marks of a working man. And I wear gloves. Okay. Her state of mind is a slightly unpleasant day. Wow, that’s today. Yes, man. I’m sorry. You’re at 1.6 miles a day total. No, I will say I did move locations, so I’m not walking around as much as I was.

33:55 Wa. All of a sudden, the goalpost has been shoved to the other side of the city. The moment I actually look at reality, it’s like 1.6 miles a day. So exhausted when all but that’s all you do. Well, if you trucks with a crane and you have to move the coil. So again, a lot of mental you have to still have physical in there. Even when you walk to the building, you have to use the chains too. Have you ever picked up a chain? You know how heavy those are.

34:25 You still have to have that physical in there. Plus, you have to wear a hard hat, arm guards. Mhm. You have to have boots on. You have to wear all that [ __ ] Dude, 1.4 four for the month of January and February. There’s no way. Yes. I’m walking around my office all day. Dude, it calculates your with your phone as well. It don’t have my phone on me at the office cuz I can’t. But if you don’t have your watch, I’m saying.

34:51 Yeah, that’s what I’m saying is there was a while there that I didn’t have that on because bro, I’m a fat who literally just sits down and films all day and I average 2.6 miles a day for those couple months. And I’m a fitness. But I’m not saying I’m physically with your kid is only moving 1.4. Yes, you did. No, you cut back. Cut back to that. Yes, I walk around just as much as you do. I’m exhausted every day.

35:20 Yeah, you literally just sat there and said, “I’m exhausted every day.” Yeah. Mentally, I’m not physically exhausted. I can give you the honest. I’m not physically like, “Oh my gosh, my back, my legs.” It’s funny how your tune changes while you’re here. Which almost makes me kind of agree with a potential part that he said. Listen, I do think you’re probably maybe a majority part of the problem. I’ll be honest. But he said in private uh with us before that you’re he’s just endlessly trying to keep up with the bossy woman in the house always micromanaging everything in our lives.

35:54 And that is exhausting. That is mentally exhausting too. how mentally exhausted you think is for Ask him. He’s the one who said it. Ask him. He’s the one that said it. It’s nons I mean, do you think I’m not exhausted micromanaging you all the [ __ ] time? Yeah, but you’re micromanaging, but I can’t do anything. I’m taking care of our other child. I’m telling you, hey, could you maybe fold this basket of laundry that’s been sitting for 3 days so I fold it the way I did it? No, I don’t. So, why would I fold it? No, I don’t.

36:20 Every time I try to do anything, you barely take your dog outside. You don’t take them outside. I barely get you to take your dog outside. So, yes, I micromanage you all the time being like, “Hey, can you do this? Hey, do you mind doing this while I’m doing this?” Then I get home and he’s still in the cage. You have to Oh, I guess you do need that, bro. I mean, I’m not I wouldn’t be surprised though hearing this conversation how you p push the goalpost. Are we really that surprised?

36:45 You might be the nagging woman. And that’s exhausting. It’s exhausting. Trying to look like a victim as well. So, why are you nagging all the time? Just let me do what I need to do. If I quote let you do what you need to do, you’re just going to be on your game. You’re just going to be trying out cars and on his phone constantly. Yes. Yes. You spend more time a day on average on your phone than he does, by the way. At night time, for sure. Doesn’t matter. When the kids are asleep, the weekly average, the daily average 4 47 458. You beat them.

37:20 everything you’re bitching about. The moment I actually dig in, you have to push the goalpost because you’re complaining about something that you equally do. If not, but I don’t get on my phone and Okay. So, I’ll get on my phone when [ __ ] is done. When laundry is done. You’re on Facebook every day. Yeah. Who cares? Everyone’s on Facebook every day. Point is, especially not your age. My point is is that I don’t decide to turn my brain off and everything until the time that he uses. Oh, let’s let’s go back to week. Okay. You scroll TikTok a lot recently. Yes. I’ve been looking at cars still.

37:56 Yeah. Yeah. And also you’re on Facebook a lot, too. What the Is this like a Indiana thing? Are you guys that far behind? Why are you on YouTube? Oh, wedding planning. That’s probably most of my internet use. Okay. Well, you know, because of the conversations going on right now, she specifically has not booked a hotel for your wedding night. Has not done anything for the Tell her what we need to do for that.

38:16 No, but she’s not confident enough to do it because of this dynamic because it has to be her way. How you mean I don’t feel like I should be financially responsible for our entire conjoining of lives. So, until I know that you’re going to actually grow up and do I told you I’m already paying you back for all that. God knows when I get my pay. You can’t even pay back a company who you owe money to. How do I know you’re gonna pay back someone you’re comfortable living with?

38:48 Bro, this actually is not looking good for you. Listen, I think we’ll I think we’ll dudes at work. He’s on his phone, which whatever. That’s fine. Saturday and Sunday when he spends it with you guys, those are the days that he spends less than even like an hour and a half on his phone. you during the work days, nothing on your phone. On the weekends when you guys are supposed to be spending time together and with the kids, those are your maxed out days. For example, Sunday of last week alone was five 6 hours.

39:17 And as of now, weekends are the only times I see them. Yes. And you’re not on your phone during the weekend. No, your entire argument was that anytime you guys are together, he’s on his phone. No, he’s not. He’s objectively not. I have the metrics right here. And during the weekend, my phone is the default whenever we go out. I’m the one that looks up places to eat. I’m the one that’s sucking up that day. That day was two hours on Facebook and the rest was just miscellaneous.

39:39 Yeah. I’m on when I’m on Facebook, I’m on marketplace looking at wedding [ __ ] all the time. Yes, I am. And I even send it to you. I’ve sent you a bunch of stuff. Even still, you’re just scrolling there on, you know, being a girl with a wedding dream is still just scrolling and having fun. But we’re talking. We’re actually conversating. Like we’ll sit down. We’ll sit down and when we’re eating and I’ll have Facebook out marketplace or I’ll have Safari out. We’re talking about wedding stuff.

40:03 Now, for what it’s worth, I will say this, bro. You were on TikTok 8 hours and 34 minutes last week. Correct. I I That’ll destroy your brain. Well, I’ve been on looking at science behind it is rough, man. Yeah. Yeah. Yeah. Yeah. That means you’re getting way too close to this damn car. Well, you guys have finances to be very clear. Can’t afford this wedding that’s coming up. And she’s not even booking [ __ ] because she doesn’t even know if she’s going to end up getting married to you right now. And all you’re doing is this car. What about what about the priorities of the relationship?

40:35 Also add in that my dad sorry me me and my dad are paying for this wedding. And my dad even has said like you looking into this car is insane. Uh that’s not good. Step stepfather not liking you. It’s usually where like kind of the close bond typically goes. It’s not what I hear from what she says. What do you mean? I literally told you that when I told my dad about you looking at a new car and what it was and all that, he literally sat down with me at lunch one day and was like, “That’s not why are we doing that?”

41:07 Like, he and we went the next weekend and booked the venue because my dad wants to pay for his daughter’s wedding. Like, at the end of the day, he’s going to do what he’s supposed to do as the father of the bride. Like, he’s going to do But he didn’t he he knows he can talk to me about that stuff. Well, clearly he actually doesn’t because he’s talking to her behind you when he when they go to lunch at work.

41:26 Yeah, but he’s saying the things that he’s not telling you in person. What does that tell you? You can always talk to me. You’re saying that call be like, “You’re a [ __ ] idiot. You need to put this car [ __ ] behind you and focus on what matters.” Probably should. But no, seriously. If he did, maybe I would call him in the post show. Oh, if my dad said it to you, you would probably do the right thing. But when your future wife says it to you, it’s [ __ ] you. I’m going to do whatever I want. That’s basically what you just said. Basically, even for the babysitting, only Kimberly is paying for the babysitting. Well, all your money is is going for this potential car. You’re not even helping out there.

42:01 Like keyword potential, not even entire tax refund to the wedding, paying for all the babysitting. You nothing car. Well, it’s cuz I need a down I need a large down payment. You don’t need this car. You can get a $10,000 car. I don’t get why you can’t just settle with a nice I don’t want I want a nicer car. Want want There it is. Want. Well, she pays for all the babysitting, paying for all the wedding for babysitting. No, you don’t. Not according to her.

42:30 Your mom literally told us that we’re going to have to start looking into paying a daycare, which we didn’t want to do cuz daycarees are insane and expensive. She said, “We’re going to have to start doing that because you’re not paying her.” She said, “You’re doing good.” She literally looked at me and said, “You’re doing great. You’re paying me what you owe me. Everything’s going well.” But he’s not. And that’s not fair. And I agree.

42:48 But also, I don’t agree with having to pay her a lot of money like that. Okay. But it is what it is. So, I’m just not going to pay it. So, where does all your money go? She doesn’t know where all your money’s going. That’s her big question. Tell us where does all your money go. When I get paid, I put about 200 in savings and then for for the car. Okay. Instead of to the family, but then after that, the rest goes to whatever we do during the weekend. cuz I feel like I’ve been swiping a lot lately on what and I’ve been on the wedding swipe on the wedding.

43:18 Wedding when we go when we do go get food, when we do go get stuff for the kids at the store, everything anytime we go anywhere and a card is needed, here comes mine. That’s not true. Here I am taking care of it. Yes, we did. We just got into a big fight a couple weeks ago about it because I was literally like, is there going to be a time when I’m not paying for everything? Yeah, because you pay for all the wedding and you got it all. You just construed it like always.

43:39 What about all the other times when we go out and we’re in person like this and I’m still here’s my card. Hey, are you going to get this? No, you just go ahead. Oh, okay. Yeah. You get those all twisted because you think you’re paying for everything because the wedding. I already told you that paying for everything. What was the argument? Because we went out to Target and she paid for everything. No, it was No, it wasn’t Target. It was Hobby Lobby.

44:02 She paid for everything that was for the wedding. That’s And then after that, she got in the car and she was all hissy and mad. And I told her, “I already told you I’m paying you back.” And she says she’s buying everything. No. And I said that that was fine for you to pay me back, but I didn’t know it was you pay for everything up until the wedding and then God knows how long before I pay you back. I didn’t know that. I thought it was like I’ll pay this or that. No, whatever. And then like in a week or two, you’ll give me a little bit. Like I thought it was going to be like a normal I didn’t know it was, yeah, you’re going to actually pay for the entire wedding and then I’ll pay you back maybe on our one-y year anniversary. Like that’s how it feels. A conclusion to those arguments.

44:38 No, we just fought and then it ended. That was it. Is that how it usually goes? Yes. How long did you guys fight? Like a 20 30 minute. It was not. Was it heated? It was. Yes. I’d kill myself. Yeah. I started crying. Yes, it was heated. So raising voices for probably for the first time ever. Yeah. That was your first time ever raising your voice. What did you do? What was it like? I didn’t like it. Was [ __ ] intense.

45:02 It’s like it wasn’t Well, especially if you’ve come from an abusive relationship. I’m sure that would be a little scary. Yeah. And we’ve gone this long and you’ve never ever raised your voice. I mean, you raised your voice at me about our wedding. Not yelling, but louder. I mean, but I wouldn’t say yelled. I told her multiple times before she is paying for everything with the wedding now. I’m paying her back.

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46:18 That’s a promise. But while you’re saving for this car, because that’s what you want to do. Why do you get to just tell her, “Hey, you’re paying for the wedding. I will pay you back. Why do you get to dictate that? She agreed. Why is it not a concept or you you agreed to it? No, let’s rephrase. In the beginning, she agreed to it and then now because it’s happening, she’s because again, you didn’t say you’re going to pay for the wedding all the way. I just thought it’d be like I said, I go like we go to Hobby Lobby, I get some of the flowers and stuff and then next week you send me like 50 bucks or like I thought it was going to be like a slow kind of here and there normal thing. I didn’t know it was going to be full commitment. I got it. Don’t worry, you get before this argument. I’ll cover this.

46:59 Before this argument, we had another conversation about it and I told her exactly how it’s gonna be and then she freaked out about it. You get to say how it’s going to be. Why is it not a conversation with an agreement? Because there’s no talking to you. Look at we’re we’re on like we’re trying to do it right now and I can’t. You’re still just like the same thing. You don’t talk to me about my finances. Whenever you ask, I tell you everything.

47:19 It shouldn’t be. But we should just always be on the same page. Like we should I should know what’s going on. You should know what’s going It’s hard to be on the same page when you control it all. What am I controlling when you’re clearly making it obvious that you have full control over this? This I told you and you agreed to it. But everything else is in your control. Okay. What do we think our household financial score is right now combined? 0 to 10. Zero being the worst, 10 being the best. What do we think? Honestly, probably two.

47:44 Okay. I’d say not including Well, no. I’d say about a four. All right. All right. Well, if you guys want to get your Hammer financial score, you should take that assessment for free at caleophammer.com. Again, it’s free. Just takes a few minutes and you can see where you stand in the world of money. Thousands of you take it daily for a reason. It’s really cool to see where you stand in the world of money. And if you don’t want to end up like them, get on the same page. Know what your finances actually look like. Automated easy with Dollarise. My favorite budgeting app. It is incredible. Check it out. Download it for free in the app store that you need to use and take the free trial. See if you like it. And most people do. That’s why there’s tens of thousands of monthly active users. And most people sign up for the annual version after the free trial because you get my 30-day budget meal plan that we designed for every single meal, snack,

48:31 and drink for 30 days. So, you no longer have an excuse for meal prepping, meal planning, all that stuff. I will sign it and I’ll mail it directly to you guys. So, I will sign this one. And there you go. Nice and signed. Now, no more going out to eat. It’s as easy as that. Use that [ __ ] Snacks, drinks, all the goodies. No more needing to go out to eat, guys. Dollarise.com. Killedmer.com. All those links below. Let’s get in. Who has the Apple Card? What are you doing, Apple Card guy?

49:07 Not paying. What’s going on? Just not. No. Why just not? Where’s the logic? Did Tik Tok tell you this? No, this was before the Tik Tok. Okay. Well, now you are in Tik Tok land. Why are you not paying? What’s the logic? Before with the situation when she wasn’t working is when I stopped paying years ago. Years ago. Yes. This card is now. This is years ago. So what now? Well, before I just We were going out to eat non-stop, so I didn’t right now. Why aren’t you paying now? Now I just need to.

49:42 Oh, it’s a good reason for not paying. What the are you talking about, man? Yeah, that doesn’t make sense. You owe the whole thing. We’re both aware that you need to do it. Why aren’t you I got to the point where I had a payment plan and then I didn’t have any money cuz Well, let me get on a payment plan again. You owe $1,715.54. Obviously, that is the total balance due immediately because you just haven’t paid in forever. Yes. The are you getting on here?

50:07 That was being used for a lot of food when back then. Yeah, that was for food mainly. pretty much anytime we went out to get food. Indianapolis and stuff. Indie, Cincinnati, Indianapolis for the hospital and stuff. Yeah. Oh, okay. Thank all these cards were that one specifically is from that. Yeah, cuz we stayed we lived in a for a month in Cincinnati for his radiation and stuff. So that Yeah.

50:34 So that card pretty much got used for that. I understand that. But you got to pay it. Contact them. get them on a pain plan if that’s even available anymore. Well, and I’ve even told him that like just give them a call. I mean, they deal with how many people every day that are like, I, you know, I need to get taken care of. How do I do it? And he just won’t. You just won’t call them. Oh, I I’ll you’ll email them.

50:55 Why won’t you do anything? I know she’s probably a nagger and it’s probably annoying. We don’t like that. But why don’t you do anything in the end? Make the call, send an email, do anything. Well, I got to the point where I sent emails. I didn’t get a response from them, but I did set up a payment plan and then it never got paid. So, it just kind of fell off and I haven’t done anything with it since. Yes, but she is saying reach out, call, email. I am asking why. Today, you will not.

51:29 Well, I have done it. I just haven’t paid it. Yeah, you set up a payment plan but then never paid the payment plan and now they took it back because when I when whenever I was going When was that? I’d say it was about a month ago. No, what the [ __ ] Two months ago. Can you make the payment now? Can But that’s gone. It’s revoked. They revoked it. They took it off the payment plan. They took it off.

51:51 Why did you not make a payment two months ago? That’s no longer ago. I didn’t make the payment plan because I didn’t have the money in my account. It was probably 30 bucks. Uh, it was it was 150, I think. Okay. Yeah, it’s a little chunkier. They did a six-month. 150 is a lot of money. Yeah, it is. At the time it was. So, it’s $1,67, which is what you guys spent going out to eat last month. So, what the [ __ ] are we talking about now making $150 payment? That’s a choice.

52:18 That’s a choice. That’s not being responsible. That is not being good parents even. Actually, I would say the food is the problem. The food is a part of the problem. Unknown shopping. An additional 984. We’ll see where that went. Miscellaneous [ __ ] Could be video games, could be trinkets, could be whatever. 987 [ __ ] on here most likely alone will range from 2,500 to 3,000 if not even more because of the large purchases as an additional 1,200.

52:51 Now, why did you look at her when I said miscellaneous [ __ ] Cuz I barely buy many things for myself. So, most buy anything for me either. Okay. Well, someone is or combined cuz this is minimum $2,500 in [ __ ] Most likely closer to $3,500 in [ __ ] on a monthly basis when we’re crying about not being able to do a $150 payment. Who the [ __ ] is doing what? It’s safe. Take some responsibility, both of you.

53:19 Those trips to Target’s going to be in there. Yep. And I Yeah, I would say probably Target, but there’s also dealing at Target. There’s also $50. What are you doing at Target? Buying for my kids. Buying what? Formula’s $50. We usually buy that. Is this what you’re saying? She’s going there only for necessities. Not for nec There’s necessities being bought, but there’s other things that are being Tell me about this. That’s obviously what I’m asking about. You think I’m sitting here screaming about formula?

53:46 No. So, when we go, we will walk through. We’ll get everything that we need. Kind of manipulative when we’re walking. Manipulative and what the [ __ ] You’re manipulating when you speak. The things that you were saying about him that we then learned was in your phone. And I say clearly miscellaneous [ __ ] Why do you look at her? Oh, it’s Target. Okay. What’s going on at Target? I’m getting baby formula. Obviously, that’s not what we’re talking about. Do you manipulate everyone around you? Does she manipulate you and people around her cuz she was in this conversation with screen time with how active and tired she is?

54:18 And then, oh no, I’m at mental exhaustion. Oh no, actually, you know, I get on my phone only when things are done. Oh no, he’s on his phone all weekend. Yeah, but that stuff’s true. And he could I mean, he’s not on his phone all weekend, actually. I saw with me. Oh, it’s actually just me looking at wedding stuff all the time on the Facebook marketplace. Well, it’s still fun for you to do. You’re doing that instead of things that actually matter. So off, I think you manipulate a lot.

54:38 I’m really starting to see that clearly with that response of saying baby formula. You think I was talking about necessities of Target when he was talking about the [ __ ] again? I was talking about the [ __ ] you get. What the [ __ ] Okay, I want to know what [ __ ] I’ve been buying for myself. That’s what I want to know because I’m pretty sure every time we come back when we have bags, it’s literally is it stuff we need? No. But it’s usually I decide to buy a cute little outfit for our daughter or a couple pairs of pants that probably doesn’t need like three times a week of different things that he doesn’t need.

55:08 It’s not like I’m just out here buying makeup and buying shoes and buying clothes for myself. Like it’s you make it like I’m just just oh I’m just buying for myself and I don’t care about anything else and oh I don’t care about my kids. I just want to buy for me when it’s not even that. It’s buying things that just gets thrown away or gets thrown away. Half the clothes that you bought for him that was necessity was all given to Goodwill or given to somebody else.

55:32 Clothes that he grew out of or he’s half of them had tags on them still. That’s not true. Right. Okay. The numbers would show it. Yeah. I’m going to put $150 for the minimum. You need to call them back immediately. Be a big boy and put the $150 to there instead of the 25 to 3500 a month on [ __ ] which is you guys combined. What a joke. You guys can’t agree on anything. Do you agree on anything? What do we agree? I can’t even agree on getting married. Hey, when she says she’s going to move out to teach you a lesson, when she says I’m going to give you a week, an ultimatum to get your [ __ ] together, show some signs of progress, what goes through your head when you hear that? What are you thinking, man? If I were hearing that, I would be actually a little nervous.

56:21 That’s It doesn’t ner doesn’t get me nervous at all cuz I know that’s She’s lying with that stuff. Oh, barked no bite. I’ve moved out before. Where? When I moved back to my dad’s house. When was this? M was it with me? Yes, it was. When when I was staying at your house when everything was going on and me has nothing to do with me. That’s my mom. It doesn’t matter. I still did it. You think I won’t do it again if it’s not working out where you’re not doing the right thing with you?

56:51 You didn’t. You haven’t yet when it’s when it’s been about me. Is that what we’re going to do when we go back home? Do you want me to pack up and go? But have you? Because if that’s what I need to do, I will. Yeah, but you haven’t yet. You’ve said it multiple times. Okay. So, okay. It is kind of true. Ultimatums don’t work if you don’t ever follow through with them because I don’t want to. I don’t want I know you don’t want to. But then don’t put on an ultimatum cuz it doesn’t work. I don’t know what else to do.

57:12 It’ll never be respected though. Yeah. But now no ultimatums even they they don’t work anymore either. Yeah, I know. That’s why I’m like what do I do then? That was like my last like that’s you might actually have to leave unfortunately for what it’s worth. You can love someone and know they’re not the best for you and your kids for the rest of your life. Not necessarily suggesting that because I think you are a little bit of a manipulator and I think you are a little bit of a also the problem and you do kind of treat him like a child in some cases with the ultimatums and stuff. And listen, is that going to end a productive result? I I don’t really know. Treating him like a child.

57:49 I don’t you want to be a child like your ex? I feel like I should I shouldn’t have to do that stuff. like I shouldn’t have to feel like I’m taking care of another child. I’m telling you right now if I don’t tell you have to feel like I’m saying maybe you shouldn’t. And now you’re saying have to feel like. No, you’re not the victim at all times. But you just did. You immediately turned with me saying isn’t the best that you always treat him like a child, too. I shouldn’t feel like I have to. It’s the truth.

58:18 Yeah, but just don’t. Why? Why are you? Because I already feel like a single parent every [ __ ] day. So, my way to make maybe not feel that way is to be like, “Hey, would you mind maybe giving our daughter a bath for me? Hey, could you wash some bottles? Hey, could you take out the trash?” Like, I don’t even take out the trash. I do take out the trash and wash all the bottles.

58:40 Flowing. Yeah. Oh, sorry. Sorry. You’re right. You’re right. You wash bottles. That is the one thing I know I can rely on. And the trash when it’s full and over like flowing like it’s not overflowing. Buddy, how do you feel when she says she feels like a single parent? That would like doesn’t hit the home because she she’s just she has to have everything her way. Every time I try to do something, it’s it’s not her way. It’s wrong.

59:07 Which why would I want to continue on doing it if it’s wrong? That’s not that’s not an unfair counterargument. No, it’s not. And I I that part I will say there are some things that I like a certain way. I And I Well, then you’re forcing it to only you can do it though. But then what about all the other stuff that what I don’t know like cleaning up, picking up, helping out around the house. Like the only thing I mean you have one little room. There’s there’s no picking up. If if there’s a sock in a spot that it shouldn’t be, it’s the world the whole day is over until that sock is picked up. That’s not true. Everything has to be.

59:43 No, it is not. It is. And because I want you to pick up after yourself. Like I literally feel like you’re a teenage boy living in my house. That’s how it feels. Because everything has to be your way. It’s because you feel like it’s okay for there to be take out food trash here and take out food trash there and a diaper on the floor over here and a pile of your clothes over here. Yeah. No, our room is this [ __ ] big. So yeah, those couple things make it feel like the entire room is like cluttered more than it already is with four people in one room. And because I do it my way, I get You don’t do it. What’s your way? Your way is not doing it. Because it’s not your way. What’s your way?

1:00:23 My way. Your way is letting your Best Buy card go to collections. It did go to collections. Why? That one is be that one. Best Buy was City Bank, right? I don’t know what bank they have it with, but it’s the Best Buy card. I think that’s City Bank. City. City Bank was when he had the stuff in cancer down in Indie. That was no city bank. He’s talking about the Best Buy card that you used to go buy your computer parts before you met before I met you.

1:00:53 But going into collections was four almost four years ago and it’s still not a payment on it. Best Buy, the actual card was before you. Yes. When it went to collections was when he You still have a balance on it even though you got the balance before you ever even met me. Yeah. That’s because I was a dumbass with computer parts. And you’re still a dumbass cuz you’re still not paying it. Now because it’s in collections. It was in collections months ago.

1:01:18 All that just to play Marvel’s Rivals. It’s a fun game. Okay. Monarch Recovery again. Is this must be another collections of yours. Correct. 95119. What is this? Now that one I think that’s the M. You can settle at 60% off or in two payments. Monarch, isn’t it the mattress? There’s so many weird names for them. Listen, you can pay only $380 at one time and you’ll wipe it out. Why not just do that? You guys make money.

1:01:47 Did you spend over a,000 going out to eat? Why can you not make it just a $380 payment, which is your score up like 15 points? I couldn’t even make the $150 payment. So, but you can. You guys spend $2,500 minimum on [ __ ] on a monthly basis. Minimum. Minimum. You just got to stop going out to eat so much. It’s not just that. It’s other things, too. The other things is mostly you.

1:02:14 What’s saying mostly me? It doesn’t What else is in there? I don’t know. Ask the guy with all the numbers. I mean, you’re go through it. I mean, what was this for? If that’s the one I think it is, I think it’s for our mattress. Not our m your mattress. But that was also a long time ago. That’s what I’m saying. And this is all like residual stuff from before me. I don’t understand how you still have debt from before we got together.

1:02:43 Well, before when I met you, I was paying minimum payments like you are now on yours on all of them. And then a lot of them got I just stopped paying them when I was covering the whole house. Okay. But that was 2 years ago, correct? Now they’re in they went into collections. Okay. So why didn’t you call to take care of it? Why haven’t you reached out to them to try and figure out how to fix it? How to like you set up a payment plan with the national debt relief. I got that set up for you so that they would lump sum it together and you would just pay them instead of distributing against these 12 things that you have and you canled it because they were doing they were doing that’s when I started looking at Tik Tok.

1:03:26 They were doing the same thing that I could have done myself. Obviously not which I didn’t do it then. That’s the point. is that I helped you get set up to succeed and get taken care of and even that you were like, “No, I’m not going to pay that.” And you canceled it. What? Cuz I figured I could pay it on my own time. But you haven’t for 2 years. So what makes you think that you can’t like I’m not What am I missing?

1:03:54 I have more collections. Discover 2,237. What happened there? discover was. Yeah, these are all for all you, man. You know what’s crazy? I didn’t even know about that. I didn’t know about the balance. I knew I didn’t know about any of these. I didn’t know the balance. I knew that. I mean, I knew about them. What happened, man? I didn’t know. You’re [ __ ] this household’s credit.

1:04:18 How are you going to Dude, you’re going to get a subprime loan on this piece of [ __ ] The Discover card. Like, when was that? That was the one. I think that’s actually Why would you want to attach yourself to this guy for the rest of your life when this is his behavior? This is new information. So you knew about the discover card. I knew about the discover card, but I didn’t know you owed $2,000.

1:04:41 Well, what happens when you don’t pay it? But I didn’t even know what the balance was. So how do I Yes. I know when you don’t pay it. I didn’t know that there was 2,000. Yeah. Like on that page alone, you’ve got five or so grand. You didn’t know about any of these in the green room. Colton said this was like blowing your mind like an hour. I didn’t know about Verizon. What is that? Verizon’s That one honestly should But it is. That one screwed me.

1:05:07 Oh, [ __ ] you. I mean, this is not how it works. What do you mean they screwed you? What has screwed you? What screwed you? Hey, look at you. Brand new iPhone. That’s too brand new iPhone. I see you. Yes. Can you afford that? I don’t know. She has a case. I can tell if it’s new, but yours I held it. Brand new. We got Yeah, we got these together. Okay. Well, then you’re a part of the problem, too, cuz you accepted that.

1:05:29 You accepted it. Yeah, but you’re getting brand new phones. Can’t even pay $150 minimum payment. What are we talking about? He took the phones and I was like, I’m fine with my phone. There’s nothing wrong with it. It works just fine. Passed her. We went to the place to see phones and she got she wanted it then. No, you said we’re doing it. Obviously, I wanted I always get the new iPhone, which is just absurd. I was perfect. also got an iPad that we didn’t need.

1:05:56 Um, actually I did need it for the job that I was doing. Do you take it to work? I wasn’t. That was the second job that I had that I was doing. That’s what we got the iPad for. What job was that? When I was an apprentice. Okay. Some financial services [ __ ] Guys, this what a [ __ ] mess. There’s nothing. You guys aren’t aligned on anything. I have no idea how you guys will ever budget together. So, it’s financial services 1,329.

1:06:28 Macy’s. You have a Macy’s card that went to collections. How? Macy’s was She didn’t even know about any of this an hour ago. Macy’s. We went there and used that card. Who? Me and you. When we went to the when we went to the mall when you bought your cologne. Is that what you’re talking about? That was not what we bought there. What did we get there? We went there and we had to get stuff. What was upstairs? You pushing blame on us, kids.

1:07:00 Well, because every time we go kids anything at Macy’s. The only time we’ve ever The only time we’ve ever gone to Macy’s was to get your cologne. That’s not true. News to me. We went there. Oh, no. We also got Christmas stuff, too. And then you let it go to collections. I did let it go to collections. That’s you. Capital One. Who has a Capital One Platinum? That’s mine. Okay. Well, you have a balance of 346.

1:07:28 The person who’s so good at finances with the $25 minimum payment takes almost 2 years to pay off. Interesting. It’s not that far from maxed out. Probably was just recently. Interesting. So, what the [ __ ] going on here? Nothing. I mean, I just make the minimum payment and I just I I had it on auto pay. Why are we spending so much on [ __ ] then if we’re not just paying this off?

1:07:49 You can pay this off with a third of what you guys spend going out to eat. I’m so confused. You guys’ lifestyle makes no sense. You care about nothing other than going and just getting something to eat, getting a drink it. It’s so close. We don’t need a [ __ ] I I mean I I mean I’ve been told endlessly that you go in for just one thing you need but leaving with five things you don’t.

1:08:14 And don’t forget I want you to be on the next episode of Financial Audit. So go to calebhammer.com/apply or click that link in the description below. You’ll have a great time and I’m going to roast the [ __ ] out of you guys. Just real quick, don’t forget to take your Hammer financial score at calehammer.com. See where you stand, where you got to do better, where you’re doing [ __ ] Listen, it just takes a few minutes and it is free. Figure out where you stand in the world of money.

1:08:35 Caleb.com. That’s you when you can pay this off like this. You guys making $4,900 net as a household together. No. I don’t even think I did that math right. Did I? No. No. No. No. No. No. Absolutely not. It’s probably 5,900, right? Wait. No, no, no. I’m Yeah, it is 4,900. Okay, good. With that in that shitty town, you guys are doing fine. You guys are doing fine. Yet somehow you always have no money. I don’t know.

1:09:02 No. No. Somehow, [ __ ] you. I saw your spending somehow. [ __ ] you. What are you talking about? Go in needing one thing, get out with five. You don’t. [ __ ] you. Somehow you make this payment. Get the rid of the minimum monthly payments and you have money. It’s magic. What’s wrong with you? If we stay home, we don’t we don’t spend money. Okay. Yeah, we can keep on defaulting to that if that’s what makes you feel better. That’s Well, why can’t you stay home a day? Why do you have to go out every day?

1:09:27 He’s suggesting not. We do stuff Saturday, Sunday. That’s it. Now, before when all of this was going on, it’s been non-stop. We can’t stay home for almost a day. Always leaving. We are literally crammed in a room. So, because we’re crammed in a room, we have to miserable. I didn’t And it doesn’t have to be spend money. As I said earlier, like if we just went for a walk, like just got outside with our kids. Our kids don’t deserve to be locked in a room this big with you, me, both of them, their belongings, our belongings, a dog. Like, He doesn’t have a yard. There’s a yard. Well, what the? Yes. And he has a play set outside.

1:10:08 Okay. That he won’t play on because it’s too small for him. Okay, go ahead. But it’s still a play set outside. He can still play on it if it’s too small for him. How? We could literally go to the park that’s right down the street. But getting you to do that pulling teeth. But we don’t. I don’t ever I don’t ever argue about it. Yes, you do. I tell you every time we can go do it. That’s you only ever. But every time we do go to that park, what happens after the park?

1:10:33 Well, let’s stop here and do this and then do this. Every time we get in the car and leave, let’s go somewhere else to never go to the park and then go home. And whenever we go to the park, oh, it’s 7:00 at night. We don’t have time to make dinner now. Go to Canes, go to Chili’s. Go to wherever we go. So, if we stay home, we have no choice but to Okay. If we Okay. So, if we start staying home, are you going to like do things with us? Like, would you sit down and color with your stepchild?

1:11:06 Uh, are you going to sit and play with your daughter? Are you going to That’s what I’ve been doing. Conversate with me. I can’t tell you last time we sat down and had a conversation as a couple. We don’t talk. But it seems But also, you’re the one who has the on your phone when we’re together. So, nine times out of 10 when I’m on my phone, when we’re together, it’s because you bring something up and then we start talking about something and we’re looking at it together, looking at something or researching something. Nine times out of 10. Same thing when you’re on your phone. When we’re together, occasionally you will actually do that.

1:11:42 If I’m on my phone, it’s when we’re if I’m on my phone, it’s me doing what I’m doing, which is during the week. I don’t think that there should be any time where I’m sitting with our kids spending time with our kids and you’re just You have a maxed out credit one. I have a what? Maxed out credit one card. Yes. The worst card basically you can get. The definition of being bad at money.

1:12:08 You have that. You took that out. You maxed it out. So what the are you talking about? Yo, 29276 with a $30 minimum to payment. Fes, interest acrewing like crazy. Credit one. What are you talking about? Going inside and getting some [ __ ] with this. I don’t remember exactly what I got that for. I got it years ago. Years ago, yet it’s recently maxed out. How was it? I haven’t used because it would be going down more if it wasn’t maxed out just within the past at least 6 months.

1:12:45 I haven’t used a credit card. Impossible with that balance. That’s what I’m saying. You you you pay these cards, but you use them after that. You’re going you’re you’re just spinning in a circle going nowhere. Didn’t that month cuz you can’t There’s only a couple dollars on there. You could get maybe. Yeah. Candy bar. I don’t. So, it must have been that other one. What? The the other card for what?

1:13:12 Whenever you use it. Tell, please tell me the last time you saw me use a credit card. I’d say it’s been about uh 3 weeks. Yeah, you’re high. What is this credit builder account you have? It’s It has a 16% interest rate. That’s pretty bad for a credit builder and you leave a $35645cent balance with them with a $35 minimum monthly payment. Then you have you have a you put you gave you got into CDs with them $717 at.1% interest.1% interest.

1:13:48 That card is you do it. That card’s not the same as these. So you a credit builder. I still know what I know. But it So I pay on it and every time I pay on it, it builds it up and then I get it paid back out to me. It’s not like it doesn’t become a credit card. You pay back out. Where’s your pay back out? going into your CD of 0.1%. No. So, I pay what is it? 20 $30 a month or whatever. So, I pay $35 a month every month and that all So, the balance on it isn’t like a credit balance. I can’t use that card. I can’t use the money that’s so it stacks up and then once I’ve reached a certain number like let’s say a $500 M like that’s what the credit card is. Once I’ve paid that all the interest, everything all that they’ll pay it out to me. So, I get paid back the however 100% of the interest.

1:14:32 Yeah. Yeah, I got So, how are they making money? I don’t know how it works. I just know that I’ve done it twice where I’ve paid it, paid it, paid it, and it built up my credit and then I got a payout at the end. It’s I don’t know. Well, I don’t see what brand this is or else I would look that up. Oh, it’s Yeah, I can’t think of what it does. No, no, no. I got this. No, you do not get the interest back.

1:14:55 That’s how they’re making money. You have no idea what the you’re talking about. But thank you for being so confident. Jeez, can’t believe you had to make me look that up and make me question if I was a reviewer. Dude, come on. No [ __ ] You don’t get the interest back. Yeah, you get the the the the balance back, not the interest. That’s what I’m saying. So, it’s not So, what I’m saying is you are losing 16% on it. It’s stupid. I know you’re not spending it, but you did on credit building. You spent it on credit building. You are still losing that interest. You’re gaining nothing. Shut the Okay. Okay.

1:15:28 Well, I’m just going to write this one off because the next minimum to payment will take care of it. But what is this? Affirm8625. That’s you. Zip. What are you zipping? Zip. Zip. That’s everything. We I used that for a hot minute recently. Payment plan. Everything. Oh, and here’s another 27. Oh, here’s another 25. Let me pull up your zip. Let me see what you’re buying. Let me see what you’re buying.

1:15:51 He’s using that card more like a debit card. Sake, guys. Why? Why are you zipping everything, man? You guys have money. You’re ruining it at all. Food. Christmas. Salt grass steakhouse 136. Think you can afford that? What the [ __ ] you doing? Target some. We’ll consider half of it [ __ ] Amazon 344. Michael Kors. Soho. Japanese Beastro 107. Like you guys are actually like spending like expensive places. I mean Texas Roadhouse, Buffalo Wild Wings, Virginia Ramen Bar.

1:16:32 Not up there. Here. There. Huh? They have Virginia up there. It’s gone that far. Notre Dame. Yep. Jeez. Good for you, Ja. Good. Tingu Black. I didn’t know that that was like a chain. It’s from Houston. Interesting. Didn’t know who made it that far. Best nail spa. Best nail spa. Yeah. Uh, so you’re spending uh almost 80 bucks a pop there multiple times. Athens Jewelers $553. Now that’s the ring.

1:17:06 Sake Olive Garden. Camelas more Athens jewelry and other 506 our T-Mobile Bill 148 killing them. Notre Dame outlet center. They literally refuse to play football games and yet you still buy their [ __ ] That’s pathetic. Go Irish. Yeah, if they play Tradewind’s restaurant, Olive Garden. This is a joke. It’s going to be all food. Pathetic. Listen. Me and I’ll get you a course career certification so you can at least make more money. One of you. Okay.

1:17:41 People in the audience, convert those into a six-figure paying job. You can, too. So, you need to make more money. It helps us get out of this debt. But that’s if you do not lifestyle inflate yourself. Oh, for [ __ ] sake. What’s Bridge Quest? Oh, Ford Fusion. Your car. Yep. [ __ ] sake. For K. Good. You got a Ford Fusion? $14,15923. The minimum monthly payment of what? I pay $3.44 a month.

1:18:08 Oh my goodness. Well, that’s going to stack. What do you think it’s worth? Uh, we actually just recently checked. My My car is only worth like six grand. Six? We got nine? Really? Well, trade in might be six. We got nine private party. Okay, so that actually might make sense, guys. And you want to make that even worse? Buy a $30,000 car that’ll be worth like 15 immediately. 2024 Mustang, dude. It’s a [ __ ] Mustang. What are you doing? It’s pathetic. They’re nice. I like them.

1:18:39 No, they’re not. And no, you don’t. No. Oh my gosh. It’s better than the Nissan Ultima thing’s horrible. Yes, it is. Everything is like what? There’s a few shitty cars and you’re still picking one. Okay. [ __ ] Panera Bread, Burger King, all this money that hey, we can’t put towards our minimum monthly payments. Apple Cash, Subway, go into [ __ ] What are we doing when we stop in a gas station, get something for $2? What are we doing? Who’s doing it?

1:19:14 This is cash app, right? You went into sitco $159 cash app. That’s cuz um that’s cuz I have a trick when I go get Subway. Inform me. Well, if you go to Subway at a gas station and you use the foot long deal, you get a foot long for seven bucks and then you get a pop cuz I’m not spending $3 on a pop from Subway. So, I buy it from SitGo for a dollar whatever it is. 59. Instead of paying $17 at Subway, I spend eight.

1:19:49 That’s your trick? Yes. Buying something that’s still more expensive than buying in bulk. Everywhere I go, when I go out to eat, it’s all with whatever trick discounts I get. Or if you want a trick, buy it in bulk, then take it with you. And then it’s like 50 cents a can. Can’t. And also you’re going a bottle. You can buy the bottle bulk too. Bottles aren’t the same either. Fountain drinks. Oh, for sake. Fountain. So much.

1:20:17 This is also the same. So when we do the grocery thing when I was like, “Let’s go grocery shopping.” Subway. Do you have taste? They got a really good chicken bacon ranch. No, you’re dead. You go for the caffeine or do you go caffeine free? Caffeine. There you go. Gamers subs 40 cents a serving. Make it yourself. Shake it. Shake it. Shake it. 40 cents a serving. Caffeinated. 10% off using my code Caleb. Link in the description below. Get your free sample.

1:20:45 See what flavor you like and then you get 40 cents a serving. You’re making that at home now. Okay. There’s the caffeine-free version for hydration electrolyte drinks. Or there’s the caffeinated version. Stop being a weirdo, man. There’s electrolyte drinks, too. Yes. I need those for work. Okay. Thanks. for work. I thought she said you did no physical labor. That’s what she thinks.

1:21:11 They’re very good. They’re honestly some of the yummiest drinks you will literally ever have. They’re seriously It blows everyone’s mind. Is this queso? Yep, that one’s queso. No, it is queso. Okay. McDonald’s Dunkin’ Donut sending someone $62.50. What? For weed? What are we doing? 62. Yeah, that’s our rent. Yeah. And you can’t pay off that. You guys are broken. Yummy bowl. Cinemark, McDonald’s, Taco Bell, Texas Roadhouse.

1:21:37 I think I’m going to get me some Texas Roadhouse later. That sounds good. Burger King. I can afford it. Well, going in and getting some [ __ ] Apple cash sent out $139. Monarch Recovery Management. So, you went on a minimum monthly payment there. I did do one with them. Yes. Which one is that? Uh, that’s Which one can I add a minimum monthly payment to for that to wipe out? Monarch, I think, is the mattress. The what?

1:22:04 Monarch. Uh, it’s it’s what? It’s like the one that had the sixmon. Yeah. Yeah. Yeah. What is that? The discovered the mattress. The Verizon mattress. I think mattress. Okay. I believe so. Okay. So, what is that? Oh [ __ ] So, instead of the pay all in what is that$15? Instead of that $300 pay once thing, you’re going to pay 116 times instead of $300 once. Wow, that’s smart. It works better. You You’re going to continue breeding with that brain power. His little trick with fountain drinks. Yeah. Okay. Mission barbecue, Dairy Queen, Dave’s Hot Chicken, Raising Canes, Burger King, Amazon, Dunkin’ Donuts. Going in and getting your little trick drink, Wendy’s, Sushi, Cinemark, Taco Bell, Taco Bell, Apple, Apple, Wingstop. You guys are spending so much money. This is insane. And you can’t make a payment. Get off. Habachi, Apple, Amazon, Taco Bell, McDonald’s, Cinemark, sending out money, Steak and Shake, Ms. Steak and Shake, Spotify,

1:23:04 Chili’s Grill and Bar going against some [ __ ] Marshalls for $200 money. Kohl’s $200. Taco Bell, Olive Garden. When did I get some [ __ ] Raising Canes. Steam. Oh, what’s that one? I don’t know. 11 bucks. Sounds like ingame to me. Skins. Marvel rivals. Could be. Mhm. Going inside is a [ __ ] EA $18. Paramount Plus. Yeah, I didn’t know about that. Why? Paramount Plus $90 sent out to someone. Burger King.

1:23:38 Chipotle. Chipotle. Prime Video. Burger King. This is pathetic. This is pathetic. This is You use Cash App Advance. [ __ ] me. Borrow. Mhm. Oh, there it is. Oh, there it all is. Actually, I just flipped the page and there it all is. [ __ ] me, man. Apple Cash. Okay, good. Is this your cash app or does he have a second cash app? Uh, that would pro that’s probably mine. Oh, for [ __ ] sake, guys.

1:24:06 What is I got some [ __ ] Smiley indoor playground and arcade. $46. Sent $175 out. McDonald’s sent $5 out. Send $5 out. Send $150 out. It’s pathetic. Yeah, send out on mine is my like paying times better than cash app. Better high yield savings account and you get $350 when you set up direct deposit using my link. Get a $350 right now. When is I got some [ __ ] Dunkin Donuts. Oh my gosh, I’m about to kill myself at the third bank. Who has this? It’s me.

1:24:37 Man, it’s crazy seeing this [ __ ] that is like local to my past life. Burger King. Well, that’s not local to my past life. Holiday photo. Going a second [ __ ] Buyers market. Bendix family’s restaurant. Cash app. Cash app. Dunkin Donut. Cash app. Going some [ __ ] New china. Ben soft. What is that? Like ice cream? I don’t know. Cash app. Cash app. Cash app. Cash app. Cash app. Snack. Chili. Chili.

1:25:03 Duncan. Cash app. Cash app. Best nail spa. Restaurant. Olive Garden. New China. Best nail spa. [ __ ] Nintendo. [ __ ] Cash app. Acha. Ichiban. Ichiban. Ichiban. Yeah. What? $50. What is that? Is that the buffet? I’m going to die. Ian. Oh, no. That’s the place by the house. Apple. Panda Express. Cash app. Cash app. Cash app. Cash app. Cash app. Cash app. ATM withdraw. Who knows where that $40 went? Some going inside [ __ ] I think. Cash app. Cash app. Cash app.

1:25:37 [ __ ] Cash app. You went inside and got some [ __ ] too. $3 gas station. What the [ __ ] is wrong with you guys? Notre Dame. Never even went there, but you got a checking account with them. Oh, good. An overdraft fee. Bro, you’re just overdrafting left and right. Why do we have another cash app? Zero bucks. I don’t even know what’s happening. That’s your savings, isn’t it? Yeah, this is his savings account. Wow. Thrilling. 20 cents. What a father.

1:26:04 $91 in yours. Not much better. Plus another 53 in that one. Pathetic. Cash App Investing $1211. Wow. We’re just doing so great. That’s probably my What about the savings for this car? What is this? I saved $200 a month. Savings for the car only came after tax season hit. Of which this just is now. Yeah. So, you’re your amazing $200 a month is you have $200 set aside once? No. It’s a little It’s a little more now. It’s probably like two grand. Okay.

1:26:40 It’s a little better. Do you believe that she is shocked face? No, you have more than that in there. More for the car? Yeah, I just saw it. What? What is happening? How much? I’m pretty sure when I just looked at you had like 53 in there. That’s That’s not all for the car. Well, congratulations. You’re keeping about Well, well, let’s figure out what you need to survive. And you’re taking the rest and you’re throwing it to debt. And that’s not an option. I don’t give a and you’re going to continue using your mom’s car or her car. I don’t give a [ __ ] We’re sharing cars. We’re dropping each other’s off. Welcome to what Americans did before like the previous 20 years.

1:27:20 You mean the suggestion that I made that we share a car for a little while? Yes. It’s okay to have a little sacrifice. 4,900 is what comes in. Thank you. uh is what you’re going to say to me by the way for paying net taxes so you guys can take taxes cuz that’s why you have that 50 whatever sitting there. Welcome. Cuz of the children I give you money. You’re welcome. Thank you. Thank you.

1:27:44 Okay, good. Call me daddy next time. Love writing my checks so I can get wasted on people who refuse to sacrifice on their own. Debt minimum payment $700.39. Rent currently, what is it? It’s weird. 500. Yeah. Okay. That includes everything. Utilities, internet, all that stuff. Internet’s separate. Oh, how much? Uh n 75, I think. Okay. Yeah. Yeah. 75. Okay. I don’t that that’s all me. I pay all that.

1:28:25 Okay. He has to get his high frame rates. Mhm. Phone bill. What was it? I saw like a 150. 150. It’s like 255. It’s split. So that’s why I said off gas room v room drive. How much? Um uh for probably years. We’ll just say $160 a month. Okay. Car insurance. Uh I pay that. It’s 111. Necessary food. You two kids. How does food work to this house while you live there? Well, we don’t really have anywhere to put food. So, so they take care of it. No. How does it work then? That’s why we eat all those things. If you shop, if you get a little cooler.

1:29:04 Oh, sorry. We have a drawer in the fridge. Okay. That we can put. Dude, get a Facebook marketplace. Cheap little fridge. It’s okay. Yeah. So, that’s what I thought. That’s what I wanted to do. And then it was I don’t care anymore. That’s what you’re going to do. Okay. Three kids. We can do two kids plus you guys follow that. You’re doing meal prepping. It’s not the most fun, but it’s fine. $900. Anything else you guys need to survive on a monthly basis? I’ll do $300. That is nails. That is school activities. That is whatever it changes per month.

1:29:30 Medical healthcare co-pays on a monthly basis. Any? No. Okay. Is there a gym? No. No. Okay. Subscriptions. Let’s try 40 bucks a month. Uh you said there’s a dog? Yes. Age health? Um he’s eight. He’s good. Okay. Let’s try to get pet insurance 50 bucks. How much for pet food? Dog food? 40. Every probably three weeks. So we’ll just say 40 a month. Okay. Okay. 40. Anything else that needs to be in this budget?

1:29:57 Um, I think subscriptions is probably more subscriptions. Well, no, it’s not. You’re cutting it down to 40. Okay. You’re lucky I’m even giving you that. I used to give zero. I’ve been paying a lot more in gas recently. Well, should I make the gas up? You guys are going to be sharing a car now. Oh, well now then. No. Until you give that car back. I would use it. But now the cat catalytic converter is bad. So, it’s like 12 m per gallon. Yeah, it’s bad.

1:30:20 Okay. I’ll boost up gas to 200 from 160 or more. Okay. So, plus 40. Gotcha. Listen, I mean, you will be able You guys are just respond. It’s just cuz you spend it all on fun. It’s cuz you spend it all on fun. Yep. You guys are totally able to get out of this. You have an extra $2,228.61 a month. I’ll give you fun of $228.61. Okay. All your savings above 2500, you’re cashing out and you’re throwing it towards debt today. That is not an option.

1:30:53 You hear me? That is the reality. You are not getting your car yet. Our debt situation, including collections, $25,86126. You are going to wipe out about $2500. So, you have $23,000 of bad debt of $2,000 to pay. You pay it off in less than a year. Then, we save up a fully funded a 6-month emergency fund and I think about 6 months, maybe even less. And then you guys can move out. You can get married before then as long as you actually start seeing some behavior change. But you guys are moving out in a year and a half. Living a great life, living 50 30 20 50% on needs, 20% on investing, 30% on fun, living a great life, making a good income for the area. You’re totally fine. Off this is the one of the easiest situations I’ve ever seen in my life. Just requires a little bit of budgeting, a little bit of sacrificing, actually combining your [ __ ] and getting on the same page and communicating. Maybe go to couples therapy. Off. So easy. What

1:31:47 [ __ ] I want to call this dad who actually is I guess needs to stand up to you for the first time in the post show. Um and we will uh talk more about oh [ __ ] some other things they didn’t want to talk about in the main show. They wanted to wait for the post show cuz there’s less people watching. Okay, let’s get the hammer financial score spending in a budget. Let me see. You brought in 8,200 which is actually how Oh. Oh, okay. Most of it’s taking out debt. Never mind. Okay. Actual pay is what you said. Where we spend 7,0006.

1:32:22 So, okay. 0 out of 10. You overspend debt. There’s a question. 0 out of 10. Emergency fund. Now, I’m glad you have some money. Then should go to debt. And I’m only considering that about a two out of 10 on the emergency fund cuz you need to pull money out. Put it towards that. And you’ll still have collection. So, [ __ ] off. Retirement zero. Real estate zero. Hammer financial score round up.5 out of 10. Get yours at caleb.com. Click join. Join Hammerly.

1:32:46 best membership on YouTube where you get three premium incredible high-quality shows posted every single day, 6 days a week, including an extra 20 minutes of this episode called Financial Audit Post Show. It’s going to be a good one. What could you not talk about in the main show? I don’t think that we should be paying for I don’t like that. Hello. Hey. So, we’re here. So, um so Oh gosh. I I really don’t want to know.

1:33:10 Hammer Elite is the best YouTube membership on the platform and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pin comment or description below. This is the best membership you’ll ever join. That’s a promise.