$100,000+ Incomes Stealing Government Assistance | Financial Audit

Summary

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Episode Overview

Podcast: Financial Audit
Host: Caleb Hammer
Episode: "$100,000+ Incomes Stealing Government Assistance"
Date: July 31, 2026
Guests: Shelby (31), Tyrone (34), St. Louis, Missouri

In this no-holds-barred episode of Financial Audit, Caleb Hammer deep-dives into the tangled financial, personal, and ethical life of Shelby and Tyrone—a couple with a six-figure household income who are openly “Robin Hooding” government benefits. The conversation explores not just their spending and debt but also taxes, welfare, addiction, controversial social commentary, and the messy reality of household dynamics. The episode is raw, unsparing, and often darkly funny, but it also touches on the serious implications of gaming the system.

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Key Discussion Points

1. Introduction & Relationship Dynamics

• [01:44-03:14] Meet Shelby & Tyrone: Shelby is a stay-at-home mom who claims to “work for” Tyrone’s lawn care company; Tyrone owns the business and is the primary (often only) earner.
• [02:00] Shelby jokes she “does” Tyrone for a living; Tyrone covers all the bills.
• They've been together 11 years, not married, and keep it that way “for the benefits.”
• Notable Quote:
  • “Benefits, health care, things like that.” – Tyrone [02:50]

2. Income, Employment, and Seasonality

• [03:16-04:31] Tyrone’s business makes $4,000–$12,000/month depending on the season (average $70,000/year).
  • During winter months it drops significantly; extra side hustles fill in gaps.
• [03:54] “It’s up and down [...] to be safe, like I have. What’s your low months? Like 10,000. High months? Well over 12.” – Tyrone

3. Social Commentary & Controversial Moments

• [05:04-07:03] Tyrone attempted to appear in blackface (“for anonymity”)—which Caleb and producers refused.

  • Tyrone claims it was a joke, but admits his friend, a Black man, called it "racist."
  • [06:51] “Yeah, that’s racist.” – Tyrone’s friend

• Facebook and Public Persona [07:09]

  • Shelby laments the fallout from Tyrone’s unfiltered Facebook posts.
  • Example: “I don’t understand how people without kids can be broke.”

4. Family, Parenting, and Past Employment

• [08:10-13:34] Questionable pasts: Shelby was a dancer/stripper, debated about “extras,” admits to meeting a regular at a hotel but denies sex for money.
• Four children (some from prior relationships). Tyrone actively participates in childcare and home life—when not working 12-14 hour days.
• [13:44] “Absolutely amazing [dad].” – Shelby

5. Household Chores & Conflict

• [14:22-15:41] Tyrone: Criticism that Shelby, the stay-at-home mom, does the bare minimum at home.
• [16:15] Shelby’s phone tracker: 8+ hours/day on phone; much of it on Facebook, Snapchat, podcasts.
• Frequent mutual accusations about “not doing enough,” particularly relating to household duties and cleanliness.
• [17:59] “Install cameras in this mother and install really good ones so you can zoom in on what I’m doing on my phone.” – Shelby

6. Substance Abuse and Legal Issues

• [21:07-27:47] Shelby has two DUIs (first about four years ago, second six months ago), currently on pre-trial “breathalyzer” monitoring.
  • Her drinking increases household stress; both discuss how alcoholism developed after children.
  • Tyrone admits her alcoholism drove him nearly to violence, but refutes any actual intent.
  • [31:18] “For the first time in our entire relationship...I was literally on the brink...I don’t want to, I don’t...I just, like, I don’t know how to say this. I was like, but you’re literally hurt. No. You’re making me, like, despise you.” – Tyrone

7. Marriage, Taxes, and Gaming the System

• [29:34-47:03] Avoiding marriage keeps household officially “lower income,” qualifying Shelby for food stamps and Medicaid for the kids.
  • Despite Tyrone’s income ($70k–$100k/year), Shelby claims virtually zero income and is the legal applicant for benefits.
  • [45:02] “Bingo. I get food stamps and medic[aid] for all the kids.” – Shelby
• [47:49] “Tax code: Your children, if they're of a certain age, can work for your company. You pay them up to $15,000 a year. So you can go ahead and add $15k plus $15k to that as well.” – Tyrone

8. Ethics of Welfare and Subsidy Abuse

• Open, unabashed defense of “playing the game” at the lower income level—the same way, Tyrone claims, rich people exploit tax loopholes.

  • [53:36] “Whatever it is, I’m going to play the benefits that are down here, the loopholes that exist, I’m going to use.” – Tyrone
  • Fierce debate with Caleb on ethics, system flaws, and “who deserves what” from society.

• [54:43] Caleb: “Why should we then actually say, you know what, if you lose everything, no worries, we’ll just fund you. That makes no sense. Go get a job like everyone else.”

9. Spending and Debt Habits

• [66:41-89:00] Deep review of finances:

  • Rampant Amazon use, frequent fast-food and gas station stops, energy drinks, “buy now pay later” services, and household “wants” disguised as “needs.”
  • $3,400+ credit card balance and thousands in collections—almost all for non-essential spending.
  • Irregular payments, some double payments, missed statements, and confusion about account access and documentation.

• [77:08] “This was right after taxes had hit. She spent like over $2,000 on Amazon [in one month]...” – Tyrone

10. Long-Term Plans & Attitude Towards Accountability

• [91:35-98:00] Tyrone’s long-term financial plan is “just keep exploiting loopholes,” maybe join the Air Force (for the benefits/disability).
  • Expresses no concern for high car loan interest rates (25%) or ongoing household debt.
  • Disdain for budgeting, poor documentation, no emergency or retirement savings.

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Notable Quotes & Memorable Moments

• Tyrone on Blackface Request ([05:04]):
  “Yeah, it's crazy. You have no limits and you wouldn't let me do blackface.”

• Caleb on Welfare Abuse ([47:30]):
  “What the are we doing, guys? Just end the federal government. End all benefits. This s---’s crazy. I’m so done.”

• Tyrone’s Tax Loophole Philosophy ([53:36]):
  “Whatever it is, I’m going to play the benefits that are down here, the loopholes that exist, I’m going to use.”

• Caleb on SNAP Benefits ([54:43]):
  “Why should we then actually say, you know what, if you lose everything, no worries, we’ll just fund you. That makes no sense.”

• Shelby ([16:29]):
  “You watch podcasts as you do dishes, as you fold laundry, as you do anything.”

• Tyrone on Justifying System Gaming ([82:03]):
  “If the system exists, man. Why would you not? Why would you not.”

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Timestamps for Important Segments

• 01:44: Guest intros, relationship dynamics, employment status
• 03:16: Tyrone’s business income and side hustling
• 05:04: Blackface controversy & Tyrone’s approach to shock humor
• 07:09: Shelby on Tyrone’s social media controversies
• 08:10–13:34: Past employment, stripping, family and parenting
• 14:22–15:41: Division of labor at home, chores, phone use
• 21:07–27:47: Shelby’s drinking, DUIs, impact on family
• 29:34–47:03: Taxes, why they’re not married, government benefits
• 47:49: Tyrone “hiring” own kids for tax deduction
• 53:36: Ethics debate: exploiting benefits vs. corporate subsidies
• 66:41: Start of financial review: Chime account, rampant Amazon/Fast Food spending
• 77:08: $2,000 Amazon spending post-tax refund
• 91:35: Ongoing confusion about debt, loans, high-interest car payment
• 98:00: Inability to send proper statements, financial mess peaks

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Original Language & Tone

The show is raw, brash, and frequently profane. Host and guests trade barbs, call out each other’s failings, and probe painful personal territory in a darkly comedic style. Caleb is unsparing in pointing out self-delusion, ethical hypocrisy, and lack of accountability, while Shelby and Tyrone own their flaws—sometimes defensively, sometimes almost proudly. Self-deprecating humor, gallows jokes, and sarcasm abound.

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Financial Audit Summary/Score

[Final Segment]

• Attempts at calculating a true monthly/annual budget fall apart due to incomplete data and disorganized documentation.
• No meaningful retirement or emergency savings, no written budget, thousands in debt, and a “Hammer Financial Score” of zero (out of 10).
• Caleb’s parting advice:
  “If you want to figure out what your Hammer Financial score is, take that assessment for free… If you don’t want to end up like guests on this show…just use a budgeting app…”

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Takeaways

• Biggest Issues: Tax evasion, welfare fraud, willful system abuse, substance dependence, lack of budgeting and documentation, non-essential spending, family instability.
• Attitude: Unapologetic about exploiting “every loophole” the government offers at the lower income rung.
• Caleb’s Conclusion:
  “Just end the federal government. End all benefits. This s---’s crazy. I’m so done. This show has turned me into the most pessimistic mother—” [47:30]
  “I can’t do it for real if you don’t give me the actual [numbers], and I can’t see the statements, so what a waste of time.” [97:43]

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TL;DR

Shelby and Tyrone embody the contradictions of modern American welfare, middle-class hustle culture, and personal dysfunction. Despite a high household income, substance abuse, system gaming, and dismal financial habits keep them alternating between survival and self-sabotage—leaving even the most jaded personal finance expert shaking his head. This is the reality of a broken system, and the people willing to proudly break it.

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For full context and all the wild details, listen/watch the episode or join the Hammer Elite post-show for more reveals—especially regarding Shelby’s suspicious Snapchat activity...

Transcript

[Caleb Hammer]

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[Tyrone]

you've had open for weeks.

[Caleb Hammer]

Gemini and Chrome is here for it. Ready to make anything online make sense. There's no place like Chrome. Check responses set up required compatibility and availability. Various 18 to watch episodes of Financial Audit a week earlier. Check us out on YouTube. So this is the kind of guy that knocks up a Isn't it good?

[Shelby]

Is good?

[Caleb Hammer]

Is basically falling off the bat. You feel like you're giving hand in the back for the money.

[Tyrone]

Uh, yeah, I don't think that was taking place.

[Shelby]

It is. It sure is. I had a regular. We would go to a hotel.

[Caleb Hammer]

What'd you do at the hotel?

[Shelby]

It was fun.

[Tyrone]

What does it take to get through your head to stop doing this?

[Shelby]

You better find me a yacht or a house.

[Caleb Hammer]

So it's concerning that you felt the desire to put your hands on her.

[Tyrone]

I was literally on the brink of like, I've never wanted to physically hurt her, but I was like, is that

[Caleb Hammer]

something you should have to clarify?

[Tyrone]

It's getting to that point. It's getting to that point.

[Caleb Hammer]

Tawana. Physically hurt?

[Tyrone]

Yes, absolutely.

[Caleb Hammer]

My official Gamer subs flavor is finally here. Liquid assets is just 40 cents a serving, less than one calorie and tastes like raspberry apple. Why wouldn't you want some? And if you use Code Caleb, you'll get 10% off your entire order. Just 10%, Caleb. Relax. Because it does get better. But not until 3pm because that's when Gamer Subs unlocks the real deal. After three, every order of liquid Assets will also come with up to 6 free gifts stacking up to 6 times 3pm Link in the description to get on the wait list.

[Shelby]

Hi, I'm Shelby. I'm 31 years old.

[Tyrone]

Hi, I'm Tyrone. I'm 34 years old. We live in St. Louis, Missouri.

[Shelby]

And this is Financial Audit.

[Caleb Hammer]

It absolutely is. Thanks for coming down to Austin, guys. Shelby, what do you do for a living?

[Shelby]

Uh, him.

[Caleb Hammer]

Uh, okay. Cause she has big tits. You sugar baby her. Is that what's happening?

[Tyrone]

Uh, yeah.

[Shelby]

I mean he pays all my bills and I him.

[Caleb Hammer]

So I hope it's love.

[Shelby]

Yeah.

[Tyrone]

Whole lot of love and lots of love. Lots of love.

[Caleb Hammer]

I would hope so. Because lots of love.

[Tyrone]

Okay.

[Caleb Hammer]

Sugar babies usually look a little different. Um, but okay. Yes.

[Shelby]

I used to when I caught him huh? When I caught him, because we've been together for two years.

[Caleb Hammer]

What did you catch him doing?

[Shelby]

I. You know, you put it in, you reel it in and he's nine. He's mine now. You catch him.

[Caleb Hammer]

Cute. How many years? 13.

[Shelby]

11.

[Caleb Hammer]

That what you said 11.

[Tyrone]

11, yeah, 11.

[Caleb Hammer]

Oh, very good. We're married.

[Tyrone]

No.

[Caleb Hammer]

Okay. Why? Oh, congratulations. When did you pop that question?

[Tyrone]

Oh, God, she knows more.

[Shelby]

Three years ago.

[Tyrone]

Years ago?

[Caleb Hammer]

Yeah. What the. Why. Why have we not closed that knot?

[Shelby]

Ask him.

[Caleb Hammer]

Okay, I'll ask you. Why have you not closed that knot?

[Tyrone]

Benefits, health care, things like that.

[Caleb Hammer]

What about. Well, it's the impact that you have been told.

[Tyrone]

Oh, well, I would think that. I would think you have money, but we have six dependents in the household, so.

[Caleb Hammer]

So. Okay.

[Tyrone]

Actually.

[Caleb Hammer]

But if she doesn't make anything and you guys get married, then your household tax liability actually puts you in like a.

[Tyrone]

It should.

[Caleb Hammer]

Okay.

[Tyrone]

Previous years, before Tyrone, I run a lawn care company. This is my first year, like on my own doing it as you have. Just me. It's just me.

[Caleb Hammer]

What do you make?

[Tyrone]

Safe side? Eleven, Eight a month.

[Caleb Hammer]

Oh, okay. Not bad. I was going to. It's kind of concerned. I mean, yes, lawn care is seasonal business. Yeah, it certainly is. But so that, that safe side, is that consistent throughout the year?

[Tyrone]

No.

[Caleb Hammer]

Okay, so when you say that's the safe side, is that going to be like the average across it?

[Tyrone]

It's up and down lower on the lower side of the average. Just to be safe, like I have.

[Caleb Hammer]

What's your low months? What comes in low months?

[Tyrone]

Like 10,000 high months? Well over 12.

[Caleb Hammer]

Okay. So, I mean, it's. Well, that's actually not a huge range for slow months. The concern.

[Tyrone]

Oh, no. During winter months it's like half. But I have to find.

[Caleb Hammer]

I said low months.

[Tyrone]

Okay. Yeah, yeah, yeah. I thought you meant like during the long hair.

[Caleb Hammer]

Would I say that? I said low months. So why would I want to know the low of the high? I said the low. Give me the low.

[Tyrone]

If we're going to average, it would be like 4,000, probably. If you take all 12 months and

[Caleb Hammer]

you do extra work, what is that extra work? During the low months?

[Tyrone]

Last year I did junk removal. I did spark on the side whenever I wasn't working doing that, so.

[Caleb Hammer]

Okay, so you do a lot of. Okay, just random things.

[Tyrone]

Anything I can to.

[Shelby]

Random things.

[Tyrone]

Yeah.

[Caleb Hammer]

There was a concern with you, Mr. Tyrone. One, that fake name, we did not assign it. Two, didn't realize it was you. I knew I was going to be Filming with this individual eventually. I was just hearing murmurs for a couple weeks. You were desperate in really trying and begging to do blackface on here.

[Tyrone]

Yeah.

[Caleb Hammer]

What the. And no, we did not allow that. We. We. I have, like, almost no limits, but I would get called out for platforming someone doing blackface.

[Tyrone]

Yeah, it's crazy. You have no limits and you wouldn't let me do blackface.

[Caleb Hammer]

Well, because I would get called out. Could you imagine my sponsors seeing someone do blackface and me treating them like a normal person? Why did you want to come on here and do Blackface? You're in St. Louis. I can guess what at least a large percentage of your paying population is.

[Tyrone]

Was going to be anonymous. You know, not really. So I figured.

[Caleb Hammer]

I mean, it's. I figured anonymous name, but it's not like your face. I mean, dude, you got a battle wound. Yeah, we know.

[Tyrone]

Yeah.

[Caleb Hammer]

People probably know who you are. That's not a normal thing we see.

[Tyrone]

Yeah.

[Caleb Hammer]

Did you blackface walk in the hood and get a bullet in the lip?

[Tyrone]

No, no. This is actually a cleft lip. Cleft palate. But. So my thought was, if we, you know, get to do white makeup, why not just do black makeup and make it a little bit more fun?

[Caleb Hammer]

Not afraid of any consequence?

[Tyrone]

No.

[Caleb Hammer]

Mr. Popo is very disappointed.

[Tyrone]

Here's the thing. I am thinking about things analytically, and I know that that's going to get. Like you said, you know, you might get canceled from it, but think about all the.

[Caleb Hammer]

Yeah, you're not worth me getting canceled.

[Tyrone]

Any publicity is good publicity, right?

[Caleb Hammer]

No. Oh, well, not when I lose all my sponsors. And I mean cancellation. Like, no one really cares about people who cancel people anymore, so they probably wouldn't have much of an impact. Still, I don't even. I think it would be reasonable, finally, for the first time almost ever, for sponsors to actually have an issue with that. Well, because it's blackface.

[Tyrone]

Yeah. I did talk to a buddy of mine after it got denied. He's a black guy.

[Caleb Hammer]

What do you say?

[Tyrone]

I pitched it to him, and he was quiet for a minute, and he goes, yeah, that's racist. And I was like, it's usually not the best.

[Caleb Hammer]

What was your take on that, Shelby, when he was begging us. Begging us to do blackface on financial audit.

[Shelby]

To me, that's just. He doesn't give a. What anybody thinks. He doesn't give a f. Who says anything about him.

[Caleb Hammer]

And you like this?

[Shelby]

It depends on what we're talking about. This particular thing. No. Facebook, for example. He likes to just if it comes to mind, he's posting it. And I've had, I mean, family members contact me about it, friends contact me about it. People are like, the shit he says on Facebook is absolutely wild. You need to calm him down. And I'm like, nobody calms down. He is who he is. He's going to say what he wants to say.

[Caleb Hammer]

What's he saying?

[Shelby]

Off the top of my dome. I can't.

[Tyrone]

I can think of one thing that her friend is still mad about. And I said it. What? Two years ago, three years ago, I basically said, I don't understand how people without kids can be broke. And a lot of people got it. People, accountability shit. I just, you know, I don't know.

[Caleb Hammer]

I mean, certainly there's ways. I mean, that's a conversation. It's not really like I was expecting something racist or anti semitic or crazy. But you literally wanted to wear like an afro and gold chain. This was to mimic a black person. It wasn't just for. I hid an identity. Afro and chain. It was black.

[Tyrone]

Whoa. I just said the Afro. The chain just came with the wig. So I wasn't really gonna wear the chain.

[Caleb Hammer]

So this is the kind of guy that knocks up a. Isn't it?

[Shelby]

It is. It sure is. There you go.

[Caleb Hammer]

That's what happened. If I'm not mistaken. I mean, that's kinda what I just glanced over and read. You were out there showing titty, giving hand jobs in the back for some extra little tippies a little bit. Well, see, knew it called it didn't actually know that, but assumed as much. And then he impregnated you, then you stopped working, then you got fat. And now he's still with you for some reason. I don't know why. So what happened? What happened there?

[Shelby]

I think when we actually met, I wasn't actively dancing. I was in school. Dropped out of school.

[Caleb Hammer]

Every stripper's in school.

[Shelby]

We started, you know.

[Tyrone]

Right.

[Shelby]

We started hanging out and every. Probably a drop out of school.

[Tyrone]

Most of them.

[Shelby]

Yeah, most of them. To me, it was more so of like a. We met and we fell in love and I started dancing again because he was just like, you can do whatever you want to do. Because I was you.

[Caleb Hammer]

Like, you're giving hand jobs in the back for the money.

[Tyrone]

Yeah, I don't think that was taking place. So I worked at a very.

[Caleb Hammer]

You didn't do any extra little.

[Shelby]

They have cameras in the private room.

[Caleb Hammer]

You can't do anything. They all do. You didn't do one thing.

[Tyrone]

Caleb. MC frequency.

[Shelby]

I can Name drop? Can I name drop?

[Caleb Hammer]

Of course. I don't care. Why would I care?

[Shelby]

I mean, just like the club.

[Caleb Hammer]

Sure.

[Shelby]

Larry Flint's all across the United States. They have cameras in those rooms.

[Caleb Hammer]

Okay. I'm not getting an acknowledgement of this chain. I don't know.

[Shelby]

Can't be charged 100% if they find anything out.

[Caleb Hammer]

I'm getting a note from who I'm assuming is Brandon and not anyone that he has absolutely been beat off in a nice club. So the thing is, I mean. Oh, come on. No, you're not going to be held legally liable at this point. This was so long ago. Statute of limitation, all that bullshit.

[Shelby]

You've done something I really haven't now. What I did do is I had a regular and we would go to a hotel.

[Caleb Hammer]

Ah,

[Shelby]

it was fun.

[Caleb Hammer]

What'd you do at the hotel?

[Shelby]

He was like 62 years old. Nothing.

[Caleb Hammer]

Okay.

[Shelby]

Other than dancing. My job. No, I didn't think I'm gonna somebody for $700? A thousand.

[Caleb Hammer]

Not for 700.

[Shelby]

$2,000 maybe. No, get out of town. No, absolutely not.

[Caleb Hammer]

Have sex with someone for $2,000.

[Shelby]

That's if they pay. That's hot. No, I don't care how hot they are. Same.

[Caleb Hammer]

Huh. If a hot person came up to

[Tyrone]

me and said someone was gonna pay me to. I'm just kidding.

[Caleb Hammer]

Yeah, exactly. No, what?

[Shelby]

No.

[Caleb Hammer]

If a hot woman came up to

[Shelby]

me and said you better buy me a yacht or a house.

[Caleb Hammer]

You know, everybody likes to see a blimp. It's just so big you can't miss it. Who do you think you are?

[Shelby]

P ssy is and good is good girl.

[Caleb Hammer]

Your basically falling off that of that chair.

[Shelby]

You can't even grow facial hair. So I don't want to hear it.

[Caleb Hammer]

Okay. The producers give you guys the one thing every time, huh?

[Shelby]

No, I have eyeballs so I can see.

[Caleb Hammer]

Okay, so you're weren't doing anything extra, right?

[Tyrone]

I believe it. I have no reason to not trust her. So.

[Caleb Hammer]

I mean you're gonna blackface. You don't even know anything about. You're just like. Your world feels so broken. Your nose is falling off your face.

[Shelby]

Like I was coming home to him every night and him. So I mean I think he would know.

[Tyrone]

Yeah, I just.

[Shelby]

I mean you can tell when he's been right.

[Tyrone]

That's true.

[Shelby]

Like you can.

[Tyrone]

That's Brandon. Even though.

[Caleb Hammer]

Yeah, he's. Everyone's shaking their head knowing the back they've been with vaginas like most of us have. I don't think you Have a special sensing penis.

[Tyrone]

You could tell.

[Shelby]

You can smell it. You can tell if someone had sex

[Tyrone]

with someone in some way. If you had sex with somebody and then came back within hours, you would be able to tell. Yeah.

[Shelby]

We have lived together forever.

[Caleb Hammer]

I thought you meant to. Meant in. I thought you meant in general.

[Shelby]

Okay. No, Okay. I totally agree with that. Yeah. 100. It's, you know.

[Caleb Hammer]

Okay. You lost me and you brought me back. Okay, fine. That would. That would make sense. That would make sense. In the same evening. Sure. I gotcha. I got you. Okay, so you knocked up a. Well done. No one's ever done that before. Well done nothing. You found a racist or something that makes money back.

[Shelby]

Honestly.

[Caleb Hammer]

Okay, but we don't want you to is the issue.

[Shelby]

And I mean, why not especially? Well, especially if you go back and you save money. I mean, your standards. My standards? A little bit different.

[Caleb Hammer]

I'm talking about the standards of those who are paying customers.

[Shelby]

A naked body doesn't bother me.

[Caleb Hammer]

It's okay. But certain naked bodies bother paying customers.

[Shelby]

Oh, no. Yeah, totally. That's why I'd have to get a mommy makeover first.

[Caleb Hammer]

I go to the gym. Yeah, okay. I agree.

[Shelby]

Absolutely.

[Caleb Hammer]

So when did you not grow up? How many kids we got?

[Tyrone]

Four.

[Shelby]

Three.

[Tyrone]

Three with her.

[Shelby]

Three together. I have a stepdaughter who's 13.

[Caleb Hammer]

Okay, so you have another kid.

[Shelby]

Yes.

[Caleb Hammer]

Dropping loads. 20s.

[Tyrone]

Yep. Okay, 21.

[Caleb Hammer]

Another.

[Tyrone]

No, no, that was pre. That was pretty.

[Caleb Hammer]

Of the kids.

[Tyrone]

13, 9, 3. 1.

[Caleb Hammer]

Did he get it right?

[Shelby]

Yep.

[Caleb Hammer]

Oh, well done.

[Tyrone]

Good father. I know something.

[Caleb Hammer]

How is he as a father? I would be afraid he's beating them.

[Shelby]

So honestly, that's not a good look. Absolutely amazing.

[Caleb Hammer]

Okay, well, the stripper thinks he's amazing.

[Shelby]

And the standards of being a father and a husband, like he'll come home from working 12, 14 hour shifts. And he helps me with housework. He helps me put the kids to bed. He helps me give him baths. Like anything that needs to be done.

[Caleb Hammer]

That's so weird because I have a whole note from your pre interview that you were complaining that he doesn't do enough around the house. So what the. How are you complaining that about that in the pre interview? And then you just sit here. You're like.

[Tyrone]

That's actually crazy.

[Shelby]

No, I was complaining. I was complaining that he comes.

[Caleb Hammer]

Sorry. Actually, no, I dogs on me that. You're right. You're right. You're right. That is true.

[Tyrone]

I was gonna say that's nuts.

[Caleb Hammer]

It was a reverse card. He was actually complaining that you. The stay at home, mother actually doesn't do anything. And you criticize about her housework because she doesn't do shit.

[Tyrone]

It's not. Not anything. I just think more could be done.

[Caleb Hammer]

Like what?

[Tyrone]

Dishes, laundry, everything. It's kind of everything.

[Caleb Hammer]

Working 12 hours a day is that

[Shelby]

I'm like install cameras in this bitch. I literally don't sit down. We don't even own a couch. Because he's too cheap to buy me a couch.

[Tyrone]

I should get a shirt. This.

[Shelby]

I don't even sit down, like, because I call bullshit. That's all I say all day.

[Tyrone]

I don't.

[Shelby]

So now that my son is on summer break and open your phone.

[Tyrone]

Oh, I'm going to love this.

[Caleb Hammer]

Yeah, me too. And she specifically told me, don't go through Snapchat.

[Tyrone]

Hold on.

[Caleb Hammer]

At the beginning. Which is fine.

[Tyrone]

We live in a thousand square foot mobile home. Okay, so let me let. Let that sink in. How long do you think it should take to clean that?

[Caleb Hammer]

I don't know.

[Shelby]

Okay, but you have six people who don't pick up after themselves.

[Tyrone]

That's not true. Don't say six, because I'm part of that six. And I clean up after myself.

[Shelby]

You leave your clothes, by the way.

[Caleb Hammer]

Listen, I. I respect everyone. No. No. So I'm not going to do your no. No. But you know, one of your no no's was to not go through your Snapchat. I have to ask why?

[Shelby]

I mean, you can honestly.

[Caleb Hammer]

No, that was your no. I don't want you to feel pressure now that you're on it, but it is a little weird.

[Shelby]

There's. There's just. If you opened some messages, there's nudes saved that I didn't want to.

[Caleb Hammer]

With him, yes. But not others, right?

[Shelby]

Sure. Yeah.

[Caleb Hammer]

Why would there be others?

[Shelby]

I don't know.

[Tyrone]

Yeah, it's a good question.

[Shelby]

Okay, so occasionally. Oh, you want it back?

[Caleb Hammer]

Yeah, it locked very quick.

[Shelby]

Yes, it does. It does that.

[Caleb Hammer]

Okay, well, I don't want to see your news for what it's worth, but I am genuinely curious about this topic. But again, okay, for what it's worth, I mean, you spend an average of 8 hours and 10 minutes on your phone a day.

[Shelby]

You watch podcasts as you do dishes, as you fold laundry, as you do anything.

[Caleb Hammer]

It's all. Okay. What about Snapchat for 10 hours?

[Tyrone]

Well, is that a week?

[Caleb Hammer]

In a week. 10 hours in a week. The week before was 12 hours.

[Shelby]

That's our primary. Like our prime work.

[Tyrone]

14 hours a day.

[Caleb Hammer]

That is the one app you don't want Me to go through.

[Shelby]

I talk to him on that app. I talk and like I said, honestly. Open it.

[Caleb Hammer]

Messenger for two hours.

[Shelby]

Station. I wouldn't open Facebook.

[Caleb Hammer]

You listen into Facebook while you're doing dishes for nine hours.

[Tyrone]

Holy shit.

[Shelby]

There's videos on Facebook. It's not just on YouTube. There's videos on Facebook.

[Caleb Hammer]

I love three hours.

[Tyrone]

When I get three messages, I don't

[Caleb Hammer]

want to bleep anything.

[Tyrone]

Reels sent to my messenger within like 20 minutes. I'm like, okay, here's three. How many did you watch before you sent me the three?

[Shelby]

It's funny, cuz he's working. He does the same thing to me all day long.

[Caleb Hammer]

Yeah, but at least he's making money. So. And then he gets home and you haven't done the tour.

[Tyrone]

I can't. I can't be making.

[Caleb Hammer]

Fine. What about her on safari for four, almost four hours a week?

[Tyrone]

The hell? Safari? Like a browser.

[Caleb Hammer]

It's a browser.

[Tyrone]

I mean, that might be. I don't know.

[Caleb Hammer]

Exactly. And then she's on imessage.

[Tyrone]

She's probably buying shit.

[Caleb Hammer]

Imessage for almost four hours a week. So these are not podcasts while you're doing dishes?

[Shelby]

Not all of it.

[Tyrone]

YouTube is where she watches podcasts, which

[Caleb Hammer]

that is her primary thing of which I did not bring up because I was like, okay, fine, maybe she's watching podcasts and that's fine. But the thing is. But it's Facebook, Snapchat messages, safari constantly.

[Shelby]

You're probably not gonna believe it, but seriously, Facebook, I mean, I get on.

[Tyrone]

You're right.

[Caleb Hammer]

I'm not gonna believe it because it's not true.

[Shelby]

It is. It is. Like I said, install cameras in this mother and install really good ones so you can zoom in on what I'm doing on my phone. Please, so I can stop listening to this bull.

[Caleb Hammer]

You standing up and not doing anything is still not doing anything. But you are standing up. That is true.

[Shelby]

I mean, I am.

[Caleb Hammer]

So why aren't you accomplishing the basic things that he. That the house needs?

[Shelby]

It's not even the basic things that the house needs.

[Caleb Hammer]

Also, I mean, I appreciate this watch history. You're paying for my. Hey, Ryan Reynolds here for Mint Mobile.

[Tyrone]

Are you looking for a beach read this summer?

[Caleb Hammer]

May I suggest your big wireless bill?

[Tyrone]

It's got suspense, mystery, a slightly flat emotional arc, and a shocking twist where you realize you've been overpaying the entire time.

[Caleb Hammer]

Fortunately, though, Mint Story is better.

[Tyrone]

Every plan, $15 a month, even unlimited.

[Caleb Hammer]

That's it. Happy ending, zero tears.

[Tyrone]

Give it a [e-mail] Switch upfront payment

[Shelby]

of $45 for three months, $90 for six months or $180 for a 12 month plan. Required $15 per month equivalent taxes and fees. Extra initial plan term only greater than 50 gigabytes. May slow when network is busy. See terms.

[Caleb Hammer]

Oh.

[Shelby]

But started dwindling away whenever she doesn't watch you. Yeah, sorry.

[Caleb Hammer]

What are you talking about? It is like she just started watching you. Oh, okay. Well that's good.

[Tyrone]

Yeah, yeah.

[Caleb Hammer]

She was preparing. You're right. You were.

[Shelby]

I was doing. I was doing my homework. I was doing my homework.

[Caleb Hammer]

It's mostly just like crime videos.

[Tyrone]

Yeah, it's insane.

[Caleb Hammer]

Okay. And first of all, she has to watch this because she's watching Body cam. She's not just doing dishes and listening to body cam footage.

[Shelby]

Yes.

[Caleb Hammer]

So I know you're sitting and watching. You don't listen to body Cam.

[Shelby]

That I've seen.

[Caleb Hammer]

That I can literally seen seen.

[Shelby]

Like I just know I can hear. Yeah. But I've seen so much of it that I can just do this.

[Caleb Hammer]

Okay, so confirm she's not doing shit. Now listen, ladies and gentlemen, if she gives consent, if she gives her consent, I'll go through the Snapchat and the post show. But we don't. We're not going to hear. Oh, lots of messages from people. Some women, some men. He asked what are you comfortable with nudes in the bath? Good. Full body titties ass late. What?

[Tyrone]

Yeah. What the is that?

[Caleb Hammer]

She said. I know. I said knows about it, but he doesn't.

[Tyrone]

LOL Crazy.

[Caleb Hammer]

Hi, you can save those pics, but can you delete them from chat just to be safe.

[Shelby]

Don't.

[Tyrone]

You don't have.

[Caleb Hammer]

You can read it right there. Crazy.

[Tyrone]

I'd rather somebody else.

[Shelby]

It's not very.

[Tyrone]

I go work 12, 13, 14 hours a day.

[Caleb Hammer]

What is this? But yeah, it's absolute.

[Shelby]

It's.

[Caleb Hammer]

It's absolute. It's absolute. So stre.

[Tyrone]

Can you check mine can.

[Caleb Hammer]

I'm okay.

[Tyrone]

I don't know how to. I don't know how to do it. I'm curious.

[Shelby]

But the housework I feel like really didn't fall off until summer when my 9 year old got out of school and I'm taking them to there's you know like a little rec center that we go to.

[Caleb Hammer]

That's fine. But there is more time in the

[Shelby]

day is a week. So we're going to the rec center. We're going to the pool, we're going to the park, water parks. I mean that's just at home doing dishes, scrubbing floors, laundry.

[Caleb Hammer]

And you don't have to necessarily. But the thing is, if that is his big complaint and he is working 12 hours a day, he shouldn't be coming home and doing chores.

[Shelby]

I agree totally.

[Caleb Hammer]

You should do some stuff. Come on.

[Shelby]

I do.

[Caleb Hammer]

I mean, dishes is basic. Dishes is easy.

[Shelby]

I literally do so I don't know what he's talking about. He's got me.

[Tyrone]

You do these things. But here's the thing. You'll do them and then you wait two, three days.

[Shelby]

Do you know why I wait two or three days?

[Tyrone]

No, I don't know why.

[Shelby]

Because I get drunk and then I don't do it.

[Tyrone]

Okay, well, that's actually. Yeah, that's actually true.

[Caleb Hammer]

That's a problem.

[Tyrone]

That is true.

[Shelby]

Is it was.

[Tyrone]

That is true.

[Shelby]

Was.

[Tyrone]

She's seven days sober.

[Shelby]

Yeah, it's only been a week. But before that week it was like a month. And before that month it was like another month.

[Tyrone]

Okay, what was the month from?

[Shelby]

From December 14th to April 1st.

[Caleb Hammer]

Oh, I mean, told this I didn't drink. Not actually by choice.

[Shelby]

It is. Yes.

[Caleb Hammer]

What do you mean? Oh, you really are a failure. Weird freak.

[Tyrone]

So.

[Caleb Hammer]

So what happened? Court ordered.

[Shelby]

I got a dui. Oh.

[Caleb Hammer]

Oh, good. Why not? Yeah, that's good for everyone else around you dose.

[Shelby]

Not my finest moments.

[Caleb Hammer]

You've had two DUI moments, buddy. How do you not learn after the first one, you freak?

[Shelby]

I don't know. My dad went to prison for four years for DUIs and I still didn't learn.

[Caleb Hammer]

So really, you are hating every stereotype of what is wrong with you.

[Shelby]

I know.

[Tyrone]

It is, isn't she? Yeah.

[Caleb Hammer]

Seen you bred with. That's curious, buddy.

[Tyrone]

Yeah. So who's got the bad judgment now?

[Caleb Hammer]

You?

[Tyrone]

Yeah, calling me the racist and whatever and she had kids with me. Now the tables.

[Caleb Hammer]

It's always been you. I've never had the bad judgment.

[Tyrone]

No, I'm talking about. Yeah, I know, but he was saying you did at the beginning because I wanted to do blackface. Ah, but now we've come full.

[Caleb Hammer]

I mean, your judgment of the blackface was a bad judgment, but. Okay, so what were you doing when what happened?

[Shelby]

What about the first one or the second one?

[Caleb Hammer]

When was the first?

[Shelby]

The first one was about five years ago.

[Tyrone]

Okay, well. What? No, it was four.

[Shelby]

Yeah, I was on four.

[Tyrone]

Oh, true, true four. Of course true.

[Shelby]

It was. It was.

[Caleb Hammer]

Oh, what a freak.

[Shelby]

It was four years ago. It was literally three days before my probation ended. But because I had already met all the probation requirements. They closed my probation out early.

[Caleb Hammer]

And then you went and got another

[Shelby]

one, and then I got another.

[Caleb Hammer]

When was your other one, your second one?

[Tyrone]

3 days before her probation was over.

[Caleb Hammer]

When was that?

[Tyrone]

Like five months ago, Six months ago.

[Shelby]

December. The middle. Just December. So with the first one. I know. Excuses, explanation, accountability. Okay.

[Caleb Hammer]

Women.

[Shelby]

The first one.

[Tyrone]

Yeah. That's accountabilities.

[Shelby]

The first one, my brother came home from the Marines for the first time, and I was like, let's go out.

[Caleb Hammer]

Okay. That didn't mean you have to drive. You can go get drunk because your brother came home. That's exciting. Okay. I know we live in the world of Uber.

[Shelby]

Well, okay, you're gonna bash me on this, but I swear, if I try to get an Uber out to where I live, it's so rural. An Uber will not come out there. They will drop you off there.

[Caleb Hammer]

Well, then don't go drink.

[Shelby]

I agree. You're. You're goddamn right. So the second one.

[Caleb Hammer]

What'd you blow?

[Shelby]

But I didn't. I refused to blow. Almost. Which actually helped me.

[Tyrone]

Pro tip life. Pro tip life.

[Shelby]

Pro tip. Don't blow. Actually, just don't even do the field. The field. Sobriety test. Have I been drinking today?

[Caleb Hammer]

Yeah.

[Shelby]

The second one, I was at a bar drinking with my friends, and then we left the bar and went back to her house to continue drinking. And then I was like, I have to go home because will be mad. Even though he literally wouldn't be mad. And he would have been less mad if I had just been. Yeah.

[Tyrone]

Let me tell you what's gonna happen. Yeah. This is the second one.

[Caleb Hammer]

I mean, told you you had to drive home to go breastfeed your kid.

[Shelby]

Yeah. So I think you're supposed to be

[Caleb Hammer]

doing that while drunk, by the way.

[Tyrone]

Bust out some knowledge on them.

[Caleb Hammer]

I'm going to be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans and collections, whatever. Your interest rates are different, your payments are different, your life is different. So why do you need some one size fits all solution that treats you like a number? Some generic calculator that spits out just pay more. As if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say, good luck. They work to understand in your specific scenario and help provide alternative solutions to becoming debt free. Whether you're struggling with credit cards, personal loans, collections, or medical bills, PDS Debt has customized options designed specifically for you. Not your neighbor, not some average case study you. They've helped hundreds of thousands of people get out of debt. And here's the thing. There's no minimum credit score required. They're not here to judge you. They're not here to shame you. They're here to help you get out and help you save more. Pay off your debt faster and start putting money back in your pocket. This is a company that is A plus rated by the Better Business Bureau, boasts thousands of five star reviews on Google and holds a five star rating on trustpilot. That legitimately matters. Here's the thing. If I needed help paying off debt, this is exactly where I'd go for help. You're just 30 seconds away from being debt free with PDS debt. Get your free assessment and find the best option for you right now@pds debt.com hammer that is pds debt.com hammer pds debt.com hammer my official gamer subslabor is finally here. Liquid assets is just 40 cents a serving, less than one calorie and tastes like raspberry apple. Why wouldn't you want some? And if you use code Caleb, you'll get 10% off your entire order. Just 10%, Caleb, relax. Because it does get better. But not until 3pm because that's when Gamer Subs unlocks the real deal. After three, every order of liquid Assets will also come with up to 6 free gifts stacking up to 6 times 3pm Link in the description to get on the waitlist.

[Shelby]

They say now I don't find this. And when I say they, I'm talking about like doctors. They tell you now if you can find the baby, you can feed the baby. I don't follow that rule but I do like the alcohol. The amount that it will seep into your breast milk is like non existent. So there's breast milk strips that you can get. You dip them in your breast milk and they tell you if there's alcohol presentation. So I bought a box of those and as long as those were good to go, I was good to go.

[Caleb Hammer]

That's crazy. You're crazy. I mean so would you blow that time?

[Shelby]

They say pump and dump is just for your comfort, okay? Like you're just trying to release your engorged titties. And like I said, I didn't blow. And a lot of times they'll get

[Tyrone]

me the second one.

[Caleb Hammer]

You didn't either.

[Shelby]

I didn't blow the second time either.

[Caleb Hammer]

Are you on probation again?

[Shelby]

Not yet. Because the Case we haven't gone to court or anything. Right now I am literally just.

[Caleb Hammer]

What is wrong with you?

[Shelby]

I'm out on bond on my own recognizance with this breathless.

[Caleb Hammer]

How drunk were you?

[Shelby]

Way too drunk to be driving. Not drunk enough to black out, which is.

[Caleb Hammer]

Oh great. Oh, that's good.

[Shelby]

That's good for me, that's good for an addict, but definitely too drunk to be behind the wheel.

[Caleb Hammer]

So why are you drinking, you dumb. I.

[Shelby]

At this point, I mean even like I said, I'm seven days sober. Before that I had quite some time.

[Caleb Hammer]

Why?

[Shelby]

I was just like, I want to drink before I get this breathalyzer test. I'm not going to be able to drink again. So I want to drink one more time.

[Caleb Hammer]

There's two kids since the first one. Why are you having kids with that?

[Tyrone]

Because it's not, it's not always. It wasn't always like this.

[Caleb Hammer]

You've had two kids since the first one, right?

[Tyrone]

That it wasn't. She wasn't always like this with the alcohol, like.

[Caleb Hammer]

But you've had two since the first one, the dui.

[Tyrone]

Yeah, yeah. She didn't drink. She like stopped drinking after she got the dui.

[Caleb Hammer]

How long?

[Tyrone]

Long time. Yeah, a long time.

[Caleb Hammer]

Year. Two years. Well, that doesn't add up for the one year old,

[Shelby]

I would say. When he was about six months old, I started drinking again and it ramped up. Like why?

[Caleb Hammer]

Why did you start drinking again?

[Shelby]

I honestly, it just started off as like a little weekend thing and then it ended as a stay at home mom bored in the bathtub at the end of the night.

[Caleb Hammer]

Why are you bored if you're things to clean?

[Shelby]

I didn't say

[Caleb Hammer]

mute your phone, you dumb. Did you not listen to the instructions? If you got time to lean, you got time to clean.

[Tyrone]

Damn right.

[Shelby]

True.

[Tyrone]

Preach, brother.

[Caleb Hammer]

I'm trying. She's not listening.

[Tyrone]

She don't listen to me either. It's crazy.

[Caleb Hammer]

One of your Snapchat payers or whatever giving money. Oh, great. Oh well, I guess we'll learn about that in the post show Hammer Elite. Okay, so what's the, what's the financial situation of this house? What does it look like? What's going on? What's going on with you guys? What are we talking about today? Because what a mess you guys are, to be clear.

[Tyrone]

Yeah, it's pretty rough. This is. Well, with the second DUI we had. The other one paid off, which was good. And then she got this one and it's been since December. We just found out like A month ago that she's actually going to go to court. So then the lawyer fee was $5,000 for the second one and for her to get the little blow majiggy thing that she's got, we had to speed up the process. So we had to pay the $5,000 like now, which came from her grandparents because I don't have $5,000. She definitely doesn't have $5,000.

[Caleb Hammer]

So how do the finances work in this house, though?

[Tyrone]

What do you mean? I make the money.

[Caleb Hammer]

You make the money. How does the spending, the budgeting, the communication, how does it go?

[Tyrone]

Budgeting is basically non distant.

[Shelby]

Communication is.

[Tyrone]

Budgeting is in my brain. I check my, my banking app to make sure I have cash. That's. That's my budgeting.

[Caleb Hammer]

Why are you still with her? Is it the kids? It has to be.

[Tyrone]

No, because when she's good, she's great.

[Caleb Hammer]

Yeah, but she's on her second w.

[Tyrone]

Yeah, it's not good.

[Caleb Hammer]

Like, what the. Like, why are you. I would have walked.

[Tyrone]

Okay, so, yeah, I've told her if this continues because literally talking to them, a month ago, she was still drinking. Like, I have a text message saying, hey, I just got home from working 13 hours. She's drunk right now. Like, I'm getting sick of this and I'm getting ready to, like, I'm done. So I even told her I came home one day and she was drunk again. And I, for the first time in our entire relationship, I was literally on the brink of, like, I've never wanted to physically hurt her, but I was like, this is ridiculous.

[Caleb Hammer]

Like, it's not something you have to clarify.

[Tyrone]

Well, it's getting to that point.

[Caleb Hammer]

It's getting to that point to want to physically hurt. Yes, absolutely.

[Tyrone]

I'm like, I don't want to. I don't. I just, like, I don't know how to say this. I was like, but you're literally hurt. No. You're making me, like, despise you.

[Shelby]

Yeah.

[Caleb Hammer]

Like, well, yeah, that's fine. But why does that get to violence?

[Tyrone]

No, I'm just saying, like, it's on the. Like, I wasn't actually going to do it, but, like, I wanted. Like, it's just. What does it take to get through your head to stop doing this? Do I have to beat the shit out of you? You have three kids. You have four kids. You have, you know, a decent home life. You get to stay home and take care of your kids. Like, I don't understand what's so bad, what's so wrong that you have to drown out every bit of existence with alcohol. I don't get it.

[Caleb Hammer]

I mean, I agree with you, but you are concerning me. The things that you're saying are kind of concerning, especially when you look like a school shooter who got lost on the way to school, so still ended up making it to 34 without blasting one up.

[Tyrone]

Bro, I look fresh. What are you talking about?

[Caleb Hammer]

So it's concerning that you felt the desire to put your hands on her.

[Tyrone]

I mean, but I didn't.

[Caleb Hammer]

That's good for now. So it's good until she takes another little swig.

[Tyrone]

Here's the other thing, too. She's not. When she gets drunk, it's not a good time. It's not pleasurable. It's not fun. It's not like, oh, I take some alcohol and let's dance and have a good time and everything's fun, enjoyable. No, she's an. She gets ignorant with me. She's rude to the kids. Yes.

[Caleb Hammer]

What's that like?

[Tyrone]

Basically, it seems like anything that she has bottled up or doesn't say, then it just starts to come out and it's like, to the extreme.

[Caleb Hammer]

I don't know if that's ignorant.

[Tyrone]

No. Because it's mostly not true.

[Caleb Hammer]

Okay, so she lies.

[Tyrone]

Yeah. She gaslights. I hate to say that in 2026,

[Caleb Hammer]

but it's not a real thing.

[Tyrone]

Yeah, it's a real thing. It's like that they. I'm doing work at home. Like, you pulled up the. You're gaslighting me. No, you're not. And then she'll say things like, you just can't see all the things that I do. Well, if I can't see it, then is it happening? What are we talking about here? If you can't see me go to work, you can't see me pay the bills, but I'm doing it.

[Shelby]

I'll say things like, you know, you don't notice all the small things. Like, for instance, here's my thing.

[Tyrone]

Don't do the small shit. Don't do the baseboards when the sneak is filed up, when there's six loads of laundry. Don't do the baby. Why are you doing that?

[Caleb Hammer]

It's all about cleaning with you guys.

[Shelby]

It literally is.

[Tyrone]

Well, I'm very ocd. I'm very like, I don't want Husky

[Shelby]

and it's out of control. He's a very. And he.

[Tyrone]

I don't like that dog.

[Shelby]

He hates my dog.

[Caleb Hammer]

So weird to not like a dog.

[Tyrone]

I know, dude. He's hairy and it's Gross.

[Caleb Hammer]

Gross.

[Tyrone]

Yes. It's disgusting. Dog hair is disgusting.

[Caleb Hammer]

Roomba, it's a thousand square feet. Why aren't you cleaning up the hair?

[Shelby]

I do. I'm vacuum and sweep, like every single day. Every single day. But it's.

[Caleb Hammer]

You said like every single day. Is it every single day?

[Shelby]

No.

[Tyrone]

No, it's not. And that's my whole. Here's my whole thing too. Okay? Remember, thousand square feet, three bedrooms, two bath. If you do everything okay, you get it in tip top shape. Everything is looking great. Now, what are we doing here four days a week? Because I'm usually off two days. Sometimes not. If it rains or whatever, I have to work an extra day. Maintenance. We're doing maintenance. How long should it take to maintain? Oh, you want to go to the recplex, you want to go to the pool, you want to do this, you want to do that. It should take you an hour speed run through all the to dos and then you go have fun with the kids for the next 11 hours a day while I'm gone.

[Shelby]

I agree with you, but the part that you're totally missing is like, let's say I have the house clean and this happens all the time. I go back to take a bath or something, right? And I come out of the bath and there's toys everywhere. There's everywhere.

[Caleb Hammer]

Because you're on the computer.

[Shelby]

Because you're on the computer. Which you deserve to be on the computer, you know, like two hours a week. You deserve to come home. No, you deserve to come home and be on the computer while I'm in the bathtub and like, relax and do whatever the you want to do. But at the same time, I can do those things and also pick up as I'm going. So, like, when I get out of the bathtub, in the whole house that I just spent an hour, two hours cleaning is now messed up. And you're like letting cook and I mean, I'm sorry.

[Caleb Hammer]

I'm having.

[Shelby]

My bad.

[Tyrone]

No, we know. Or it's the fact that you've already been drinking and then you're in the bathtub and it's like, oh, it's me. Bath time. I'm gonna drink some more.

[Shelby]

That does happen, but especially since December, it hasn't been happening as much.

[Tyrone]

Oh, shit. Since December.

[Caleb Hammer]

We're in June.

[Shelby]

Okay, we're just pull up pictures.

[Tyrone]

Hey, I could pull up pictures right now on my phone where there's like eight Smirnoff ice cans hidden in like a bag in the trash can. Yeah, you open the medicine cabinet there's three shooters and a.

[Shelby]

That was in April.

[Caleb Hammer]

That was just December. What do you think after December?

[Shelby]

That's what I said from December to April 1. I know when I stopped drinking because I know when I stopped drinking.

[Tyrone]

You didn't stop drinking though, until seven days ago. You would have one day. You would have one day to April 1st.

[Shelby]

I literally did not drink at all that entire time.

[Tyrone]

Okay, well, here's the problem.

[Shelby]

Not one time.

[Tyrone]

Here's the problem.

[Shelby]

I drank before my friend's birthday and then all of a sudden I drank every day for like three weeks. I know when I drank and I know what I drank and I know

[Tyrone]

I do have bad short term memory, so I can't confirm nor deny what she's saying, but I feel like. I feel like she's gaslighting.

[Shelby]

No, because an addict knows the days that they stopped.

[Tyrone]

An addict can also lie. An addict also lies to do their drug of choice. Come on. I grew up around addicts my entire life. That's also why I have no. I have no sympathy for this. I have no time for this because that's not how I live my life. I don't drink, I don't smoke, I don't do any of those things. So my future is not revolving around any of that, which I understand.

[Caleb Hammer]

Then why are you with her still? I'm so confused.

[Tyrone]

Because again, whenever the things are good, like she's a great mom.

[Caleb Hammer]

Good for.

[Tyrone]

She's a great homekeeper. She's actually very intelligent when it comes, like to book smarts and things like that. She knows what she's doing.

[Caleb Hammer]

Okay. For you, okay?

[Tyrone]

No, not for me in general. Generally speaking, above average intelligence.

[Caleb Hammer]

What's the last book you read?

[Shelby]

What was the name of that book?

[Caleb Hammer]

Right.

[Shelby]

Wanna Know A Secret by Frida McFadden is the one I'm on.

[Tyrone]

She reads books all the time. I haven't read a book probably since high school.

[Shelby]

That's why I'm blanking on the name of the last one I read. It was so good too, but things

[Caleb Hammer]

haven't been good for a long time. So that's why I'm confused why you're still here now.

[Tyrone]

Maybe it's the.

[Caleb Hammer]

It's the kids, right?

[Tyrone]

No, it's the reminiscing on the times where things were good. Also, like wanting to build a future. There's things that I want to do that involve her goals that I have, ambitions that I have that she is a part of, that I also need her to accomplish.

[Caleb Hammer]

Have you wanted to leave?

[Shelby]

Oh, yeah, definitely.

[Caleb Hammer]

Why you? He's the one doing shit.

[Shelby]

Yeah.

[Caleb Hammer]

You're just.

[Shelby]

You know how he said it always hasn't been like that? It always hasn't been like that. The other thing that we have had fights about or just like, where I'm coming from, even far before I started drinking, was like, his. When we got together, like he said, like, reminiscing on how, you know, that. That amazing phase in the beginning when everything is perfect. I would say he slowly stopped showing as much emotion and like, the romance and stuff like that. And I know that's a normal thing. I know it happens, but it wasn't something that I foresaw happening with us. So it's something that, like, I've been bringing up for a long time, and it definitely has gotten a lot better. But there were definitely points. I mean, I would say around, like, 2019, 2018. And I remember these years specifically because they were that bad. I mean, there was, like, complete disconnect from us. We hardly talked. I was telling him the other day, like, the first time you told me that I'm beautiful without being prompted to was the day that you proposed to me three years ago.

[Caleb Hammer]

Okay. You know, you didn't get called beautiful. That's a bummer. You're a drunk at home who doesn't give a shit.

[Tyrone]

While he.

[Caleb Hammer]

If I was.

[Shelby]

I think if I was told these things, maybe. Maybe I'd be better.

[Caleb Hammer]

Oh, it's your fault she drinks. You don't call her beautiful enough. What the is wrong with you? Have some kind of personal responsibility.

[Tyrone]

You're joking, but no, I think she seriously does.

[Shelby]

I do not.

[Caleb Hammer]

What happened? Hey, you have to blow into a breathalyzer, right?

[Shelby]

Yeah.

[Caleb Hammer]

What happens when that court order is done? It's happened before, like 30 times. And you're complaining how? He hasn't said. He doesn't say, I love you as much. Like, yes, that sucks. But the scale of issues on both ends, yours is up here compared to him not saying.

[Tyrone]

Here's what I do.

[Shelby]

The thing is, it started way before the drinking, like I said. So, yeah, that's a thing for me. That's a deal breaker for me. If you can't show me intimacy and love outside of sex, then that's a problem.

[Caleb Hammer]

Well, then why are you there?

[Tyrone]

It's not even because we've talked about it.

[Shelby]

We've worked through it. So you worked through it, and it's gotten better.

[Caleb Hammer]

Well, there you go. So what are you complaining about?

[Shelby]

What complaining about? I've been sober for seven days. That's a, that's a win.

[Caleb Hammer]

Court ordered and checked via breathalyze.

[Tyrone]

Yeah. Is it okay here?

[Shelby]

I can still go to the gas station to get a drink if I want. And even if I did drink like let's say I could, I drink right now and I blew dirty in my little device thing, the only punishment would just be blowing in it more times throughout the day. That would be my first punishment.

[Caleb Hammer]

So you don't give a. I do.

[Shelby]

That's why I'm taking it seriously. That's why I haven't had a drink. But it wouldn't.

[Caleb Hammer]

Ah, what are.

[Shelby]

You know, I wouldn't immediately go to jail.

[Tyrone]

Okay, here's the thing. The first time, every time she's been pregnant, she just stops. There's no drinking, there's no doing anything. So here's my thing. If you have that willpower to do that, why. And like she just said, oh, my only consequence if I drink is I just have to blow into this thing more. Okay. So I just followed the order because it's the order. But if I wanted to break it, I could. Obviously you can follow it. So why whenever there's no restriction, there's nothing stopping you, then it's a problem. But if there's something that's telling you you can't do it, then all of a sudden, oh, I gotta follow the rules. It's no big deal. We could do it no matter whether it's nine months or it's two years. I don't understand.

[Shelby]

Plain and simple, just being lazy. And I didn't want to. I didn't want to stop.

[Caleb Hammer]

Do you believe she hasn't even had a sip in the last seven days?

[Tyrone]

Yes, because she. Every four hours or less that thing goes off and she has to blow into it. Whether it's 2 o' clock in the morning, whatever. 10, I think it's 10 to 6, 12 around the clock. So there's like no point where she can and has like a camera on it. So she can't have like one of the kids blow into it. Like so I know that she's doing it.

[Shelby]

It's actually never been. It's 100% tamper proof. It's. No one has ever successfully tampered with a scram blowing device. However, they have a breathalyzer. They have tampered with the ankle monitors that you wear that can detect alcohol. No, I don't. I got out of that.

[Caleb Hammer]

You'll probably get back on it.

[Shelby]

No, I've never had one. An ankle monitor? Nope. Might this time I'VE never had one. The reason that I have the breathalyzer is in place of the monitor because it's summer and I wanted to take my kids swimming and you can't submerge that thing. So this is still, you know, it puts a strain on the whole family. It's.

[Caleb Hammer]

Yeah. Cause you're a horrible mother.

[Shelby]

I understand. Yeah, totally.

[Tyrone]

When I said like if I leave, if I'm taking the kids and the only way you're going to see them is if you have this vice.

[Shelby]

So that's actually what it's mostly used for is like custody battles.

[Caleb Hammer]

Okay. So, yeah, you're a piece of. But I'm being told, not on my

[Shelby]

good days, shut the up.

[Caleb Hammer]

But I'm being told in your end, Tyrone, that you consider yourself Robin Hood. I don't see how cutting grass is in Robin Hood. What is this Robin Hood you steal from. Steal from who? To give to who? What the are you talking about?

[Tyrone]

So, I mean, we'd have to get into some of the debt related stuff on that end.

[Caleb Hammer]

He steals from companies, slash the government and gives back to himself. What does that even mean?

[Tyrone]

I don't steal from the government. I'll follow all legalities involved with any kind of application processes or requirements for assistance. First of all, you pay your taxes about that. Okay, well, taxes, huh?

[Caleb Hammer]

That would be it.

[Tyrone]

It's been like four years.

[Caleb Hammer]

Wrong with you.

[Tyrone]

3.

[Caleb Hammer]

The is wrong with you.

[Tyrone]

Okay.

[Caleb Hammer]

You own a house?

[Tyrone]

Yes.

[Caleb Hammer]

I hope they take it.

[Tyrone]

No, they won't.

[Caleb Hammer]

They could.

[Tyrone]

They could, but they won't.

[Caleb Hammer]

I hope they will.

[Tyrone]

They won't.

[Caleb Hammer]

Why do you know?

[Tyrone]

Just because I know.

[Caleb Hammer]

Nope.

[Tyrone]

Yeah, yeah. See, I think you like operate out of like a, you know, carrot and stick mentality. You're more afraid of the stick and the IR and the, the guys with the guns. Your favorite saying. I, I just don't, I don't care.

[Caleb Hammer]

You don't care if they take your house?

[Tyrone]

They're not going to take my house.

[Caleb Hammer]

They might take your house.

[Tyrone]

No, they won't.

[Caleb Hammer]

If the police do come, he told us, I ain't going down without a fight. So when I first started this, you know, the taxes got complicated quickly. I thought I paid enough for my first year doing YouTube. I didn't. Found out a couple years later.

[Tyrone]

Did you? Yeah, so. So you let her in? The note you filed though.

[Caleb Hammer]

Yes.

[Tyrone]

Yeah. See, you're on the radar. Problem number one.

[Caleb Hammer]

Well, I think you're on the radar now. Problem number two.

[Tyrone]

Yeah, I don't think Tyrone is going to be on the radar?

[Caleb Hammer]

Yeah. Tyrone. So not even.

[Tyrone]

No, this year. This year I will have to file.

[Caleb Hammer]

Well, there you go. So you'll be on the radar.

[Shelby]

Yeah.

[Tyrone]

I've never made enough to where like

[Caleb Hammer]

I would have paying for bills last few years then.

[Tyrone]

I mean I was working.

[Caleb Hammer]

But you never made enough to pay taxes. That doesn't make sense.

[Tyrone]

Well, so when I'm. We used to mow, I would mow for cash. Like it wouldn't be. I would work for someone else, but it would be for cash.

[Caleb Hammer]

You certainly didn't claim.

[Tyrone]

Or they would 1099 me and I just wouldn't claim.

[Caleb Hammer]

Are you getting government benefits?

[Tyrone]

She does. I don't.

[Caleb Hammer]

You guys aren't married. What benefits are you getting?

[Shelby]

Bingo. I get food stamps and medic for all the kids.

[Caleb Hammer]

Mind you, when a six figure household.

[Tyrone]

Six figures? No, because that is only.

[Caleb Hammer]

You average out to $11,800.

[Tyrone]

No, I do not. During. This is the first year that I've ever made that. And this just started in April.

[Caleb Hammer]

Oh, then you can't tell me what average is that.

[Tyrone]

I have a consistent client list, so yes, it does average that.

[Caleb Hammer]

Yeah, for a couple months. You have a consistent.

[Tyrone]

Exactly. So no, I've been building this client list over the last three or four years. You don't start a business and have.

[Caleb Hammer]

Okay, then it didn't go from 0 to 11. So you've been making decent money for a while.

[Tyrone]

Yes.

[Caleb Hammer]

So mind you, nearly six figures for a while in the house. What are you talking about? If it's a consistent scientist, you should have been near that six figures for a while. Because you're well over it today.

[Tyrone]

Last year. Okay, so I would have to rent equipment for my old boss on the weekends to do the few yards that I had. So it was like not even anything close to making six figures or anything like that. Okay, I was going to. I mean it was a whole nother rabbit hole. But I was going to purchase his company from him two years ago, I think.

[Caleb Hammer]

Okay, well regardless of all that, let's just pretend you weren't. Well, you are now and that is disgusting. If that maintains through next year.

[Tyrone]

Yeah, but it won't be six figures still.

[Caleb Hammer]

What?

[Tyrone]

Because we only. I can only Mow average of 29 weeks a year. That's the mowing season. And then once that falls off, I don't.

[Caleb Hammer]

So what do I actually put as your average then?

[Tyrone]

I told you it would probably be. I mean whenever I get side jobs I probably still make four to six thousand dollars a month extra on top like worst on off season.

[Caleb Hammer]

So what is the monthly average? I should put ish.

[Tyrone]

What's 29 weeks? 29 divided by 4 12, 6. 24.

[Shelby]

I mean it's hard to say because the.

[Tyrone]

The probably 70,000 a year. Maybe a little winter.

[Caleb Hammer]

Then why the should she be having stamps?

[Tyrone]

I think the dependence is the big thing. I don't know.

[Caleb Hammer]

Well, yes. With claiming them.

[Tyrone]

Yeah.

[Shelby]

I have three dependents.

[Caleb Hammer]

You claim them with the zero income.

[Tyrone]

Because she works for my company.

[Shelby]

What?

[Tyrone]

Yeah, I work for my company.

[Caleb Hammer]

Why didn't you tell me that when I said what are you doing for a living? How am I supposed to go off of information I don't have?

[Tyrone]

She's a stay at home mom. But she works for my company.

[Shelby]

Yeah,

[Tyrone]

for tax purposes.

[Caleb Hammer]

And what do you make?

[Shelby]

20?

[Tyrone]

You did 25 last year.

[Caleb Hammer]

Is this an additional to your 70 a year?

[Tyrone]

No.

[Shelby]

No.

[Caleb Hammer]

What the are we doing, guys? Just end the federal government. End all benefits. This shit's crazy. I'm so done. This show has turned me into the the most pessimistic mother.

[Tyrone]

I used to be.

[Caleb Hammer]

So pro benefits even two years ago. And now it's just like every single one of you mother. This is crazy.

[Tyrone]

Yeah. So here's the thing too. Tax. Tax code. Your children, if they're of a certain age, can work for your company.

[Caleb Hammer]

Oh my.

[Tyrone]

You pay them up to $15,000 a year. So you can go ahead and add 15 plus 15 to that as well. That certain age deductible.

[Caleb Hammer]

What is that?

[Tyrone]

I mean, my son's nine. He helps me cut grass. Why is a kid that young working so slowly?

[Caleb Hammer]

Do I even care about your family? Because you're playing Russian roulette with their future. You're spending five dollars a day on BS Energy drinks and churros. That is two grand a year to put one foot in the grave. Although your family has zero protection if something happens to you. Make it make sense, bro. If you want to actually enjoy those sweet summer moments without sweating your family's future, you need. Need Policy Genius. It's a free online marketplace where you can compare quotes from America's top insurers side by side. No guesswork. You can find 20 year policies starting at just $276 a year for a million dollars in coverage. Your BS energy drink budget covers that five times over. Head to policygenius.com Caleb right now to compare quotes from top companies and see how much you could save. That is policygenius.com Caleb. Stop being a liability to your family and start being a Provider. You suck with money. So you download a budgeting app. You start with the classic one. Ynab. But everyone just deletes it because it's way too complicated to use. So you go to everydollar. That's Dave Ramsey. The personal finance guy.

[Shelby]

Right.

[Caleb Hammer]

Well they're gonna force you to use it his way. That's not very personal. Finances. Rocket Money. They got a lot of commercials. But they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block. Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollarwise Build Play. 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 dollar wise link in the description below.

[Tyrone]

My daughter's 13. She helps me cut grass. My two youngest kids. They can be, you know, models for advertising.

[Caleb Hammer]

You think this can survive an audit? If you get audited?

[Tyrone]

Yeah. 100%. It's. It's a. It's a tax code. 000 a year per child. Which is tax free for them and tax deductible for me. You.

[Caleb Hammer]

You've ran this past the CPA?

[Tyrone]

Yes. Okay. Yeah. Brandon. Fact check.

[Caleb Hammer]

I'm 100% sure.

[Tyrone]

Fact checking?

[Caleb Hammer]

He's not the fact check guy.

[Tyrone]

Linzo. Pull it up.

[Caleb Hammer]

Yes. Linzo. Okay. I don't know. We can look at it later. But I'm very glad sitting here.

[Tyrone]

Theoretically what you could do is if you pay your children that money. I mean you obviously have to make a certain income here. But what they do with their money doesn't matter. So theoretically you have taxes. They could pay bills for you.

[Caleb Hammer]

And yet you're getting the child tax credit still. So I'm funding that. You're welcome.

[Tyrone]

Yes. Thank you.

[Caleb Hammer]

And you're appreciated filing taxes. And you get food stamps on top of that. Plus Medicaid. So.

[Shelby]

Oh.

[Caleb Hammer]

I hate everything. That is the way we have set this up. Yeah. Yeah. We're dependents.

[Tyrone]

The entire 200 billion yearly SNAP budget is the problem. But not the hundreds and hundreds and hundreds of billions of subsidies that go to corporations. But yes. The little guys.

[Caleb Hammer]

Well, subsidies isn't money going to them typically. Subsidies is usually. Usually it's tax benefits. So it's money they're not giving.

[Tyrone]

Right.

[Caleb Hammer]

Food stamps is still money going out.

[Tyrone]

Right.

[Caleb Hammer]

So it is different. You can't Compare them one to one.

[Tyrone]

It's not one to one.

[Caleb Hammer]

Well, then you just made the one to one to example.

[Tyrone]

No.

[Caleb Hammer]

And you know those subsidies are usually set up in place for them to build like a corporate campus so they employ more people. Usually.

[Tyrone]

It's fine to a certain degree.

[Caleb Hammer]

It still puts more money in the system because they bring in more employees. They have to pay payroll taxes on that on both ends. So what are you talking about? At least what that.

[Tyrone]

Oil and gas. Let's use oil and gas for an example. How much revenue did they generate and how much of that revenue was profit? You're telling me that they deserve a $700 billion deduction or subsidy or whatever you want to call it to grow their business. When you make that much money, you can't fund your own business advancement.

[Caleb Hammer]

I don't know about necessarily deserve, but I would still rather have money go to something that does create jobs which actually provides a benefit.

[Tyrone]

I mean, the SNAP program can only

[Caleb Hammer]

buy food than people who literally do nothing can only buy ass and just. Just get.

[Tyrone]

SNAP can only buy food.

[Caleb Hammer]

She also gets Medicaid and she gets the child tax credit. No child tax credits too. Literally just the money in her pocket.

[Tyrone]

How many countries pay for people to have children? You want the pop. What's the population decline in all these other countries matter?

[Caleb Hammer]

That is never once helped. Anytime benefits have been provided for having kids, it has never improved the situation. It happened for a year in Hungary and then it fell back down. So that's not even actually benefiting the overall issue. It's a populist policy. It's populism. And populism isn't necessarily good. It just gets votes. Not a bad one, huh?

[Tyrone]

It's not a bad one.

[Caleb Hammer]

Not a bad one for you guys. You guys are takers, not givers.

[Tyrone]

Oh.

[Shelby]

Even if we were to get married,

[Caleb Hammer]

so do I agree with every tax credit? No, but I would still rather if I have to choose between someone who literally does nothing and just gets shit versus creating jobs that at least help communities, I would choose that.

[Tyrone]

Oh, crazy.

[Caleb Hammer]

That doesn't mean I'm like super pro subsidy.

[Tyrone]

I have a job that helps communities. Right.

[Caleb Hammer]

You haven't filed your taxes. You only employ yourself.

[Tyrone]

I will this year. And guess What? I'll pay $0.

[Caleb Hammer]

Why?

[Tyrone]

I just explained to you how I'll do it.

[Caleb Hammer]

So you're okay with the tax subsidies?

[Tyrone]

Exactly.

[Caleb Hammer]

Okay. So you're okay?

[Tyrone]

Yeah. Here's my point though. I'm okay. I'm at this level of the socioeconomic ladder Right. I'm down here, average wealth class, whether I make. Yeah. Whatever it is, I'm going to play. The benefits that are down here, the loopholes that exist, I'm going to use.

[Caleb Hammer]

Then why complain about that for others

[Tyrone]

once my ladder goes using as an example that I'm just doing the same thing, but I'm doing it from down here. Oh, I hate the poor people because they're abusing the system. Oh.

[Caleb Hammer]

But I don't hate the rich people

[Tyrone]

who are abusing the system. You see what I'm saying?

[Caleb Hammer]

I didn't say that. I said if I have to choose one to one. I just said I'm against both. But if I have. If you're making the one to one example, I'm choosing the one that at least creates jobs. I wasn't defending either.

[Tyrone]

Okay.

[Caleb Hammer]

But I would still rather do something that contributes to the overall system versus you that just mooches.

[Shelby]

I mean. Well, the thing is too, I plugged all the numbers into ChatGPT, what he makes monthly or whatever, you know, stripper

[Caleb Hammer]

used chatgpt, ladies and gentlemen.

[Shelby]

Yeah, there you go. And even if we were to get married, the food stamps and the Medicaid would remain about the same because of the off season where he doesn't make much money for a.

[Caleb Hammer]

So because if you do a business that isn't actually successful, we should fund you.

[Shelby]

Yeah. Thank you so much.

[Caleb Hammer]

That's interesting. Usually you just.

[Shelby]

It's not that it's not successful, it's

[Caleb Hammer]

starting your own business to go get another job.

[Shelby]

Starting your own business always takes time. In the first two years it does.

[Caleb Hammer]

But you're taking on that risk yourself.

[Tyrone]

Yeah.

[Shelby]

Which we did. And this is now. This year is going good. So this year we're going to pay

[Caleb Hammer]

to fund your risk. Isn't that on you?

[Tyrone]

You're not funding my risk though we

[Caleb Hammer]

kind of are by putting food on the table and making sure they're taking seen and plus the child tax credit. So there's this literally money in your pocket. So yes, we actually are.

[Tyrone]

Are you're funding her.

[Caleb Hammer]

But even if you unjointly like she said, thanks to Chat GPT, your benefits would stay the same even with your business because the off season.

[Tyrone]

Okay, you just take the risk of my own company and I went and worked for some minimum wage job because that's let's say that's all that I could qualify for.

[Caleb Hammer]

Yeah.

[Tyrone]

Nothing changes.

[Caleb Hammer]

Well, that's always you choosing to get a job, but you choosing to do your business that isn't Successful is us essentially subsidizing that. It is a little different in the end because here's the reality in capitalism.

[Tyrone]

Yeah, but I don't.

[Caleb Hammer]

Here's the reality.

[Tyrone]

I don't do nothing. Reality in the off season, I don't do nothing. I get it.

[Caleb Hammer]

Capitalism, the excitement is, if you start a business and you're wildly successful, I want you to reap the rewards. But if you start the business and you fail, that's also on you. That's the risk of it. That's why we celebrate your reward and success. Because you did the sacrifice where you may have lost everything. Why should we then actually say, you know what, if you lose everything, no worries, we'll just fund you. That makes no sense. Go get a job like everyone else.

[Tyrone]

I do when I'm not working sometimes.

[Caleb Hammer]

Yeah, when you're not working. So which brings you to the 70,000 hours a year.

[Shelby]

Right? Right.

[Tyrone]

Yeah.

[Caleb Hammer]

Okay, so you're close to the median household income. I'm sure St. Louis is a little lower.

[Tyrone]

Okay, let's talk about median household income. How many. How many millionaires and billionaires are in the United States? Do you think that skews the median household income?

[Caleb Hammer]

Well, that's why medians there excuse the average much more aggressively. That's why we use median.

[Tyrone]

Right? Yeah.

[Caleb Hammer]

So median's better way to get.

[Tyrone]

Yeah, but I feel like there's more people who aren't making the. The median household income. Then that's what's listed.

[Caleb Hammer]

What do you think just median is medians to get a mean median motion. We would rather do that than the average, though, so at least we have something to work with here, buddy.

[Tyrone]

Yeah, but I think those numbers are skewed. I know a lot more people who are making way less than 70,000.

[Caleb Hammer]

I'm glad in your life, but I'm just gonna go off of analytics. Okay, But I'm glad you use anecdotal examples.

[Shelby]

Yeah.

[Tyrone]

I'm just saying the data is skewed.

[Caleb Hammer]

And guess what? I know some. Yeah, I know fat too. I guess every fat.

[Shelby]

Back at you, bud.

[Caleb Hammer]

I'm not a.

[Shelby]

You could be a fat.

[Caleb Hammer]

No, I'm just a millionaire and billionaire.

[Tyrone]

That's cool. Yeah, it's actually awesome. I Wish I paid $4 million in taxes. That would be sick.

[Caleb Hammer]

Yeah, I went right to you.

[Tyrone]

Yeah, it's awesome.

[Shelby]

Thank you.

[Tyrone]

You know why? Because that means you're making a lot of money. So I would. I would be glad to pay $4 million in.

[Caleb Hammer]

Trust me. No, no, I'm very blessed to be in my position. I'm not complaining about that. I would just rather it actually benefits society and not have people that can just mooch.

[Tyrone]

But it does benefit society. Healthcare and SNAP benefits society overall.

[Caleb Hammer]

Potentially. I would want people who actually need it. Yes.

[Tyrone]

Say statistically. Statistically, there's more people that don't probably, you know, like her just sitting at home. I would say, statistically speaking, it's an overall net benefit to society. Yeah, there are some bad homes. What do you mean you're saying. Yeah, she doesn't do anything. She's getting government subsidies. Right.

[Caleb Hammer]

Yeah. That's good.

[Tyrone]

That's not the statistic, though. I would say more than likely the average person who's on the benefits.

[Caleb Hammer]

Yeah. Which is why I don't want to take it to zero.

[Tyrone]

Right.

[Caleb Hammer]

But I think it's also.

[Tyrone]

You're saying it's not a net benefit to society. It is.

[Caleb Hammer]

I didn't say that.

[Tyrone]

Yes, you did.

[Shelby]

Did.

[Caleb Hammer]

No, no, I say I. Well, to clarify my response then, if I accidentally insinuated that I would rather make sure we're at least auditing the systems properly to make sure people like her are not qualified.

[Tyrone]

100.

[Caleb Hammer]

So I think that's fair. Including the Pentagon, don't get me wrong, as it passed an audit. I'm with you, buddy. If money's wasteful, I don't want to. I've always said I'm willing to spend more on taxes if we make sure we're actually benefiting society more and if we're actually, actually auditing our system. So I'm not against you on that. Yes, I agree. Okay. But I don't think anyone likes writing a check for $4 million. That is money that could go to a lot of things that I would like to do in life.

[Tyrone]

Yeah.

[Caleb Hammer]

But instead it is going to things that we literally cannot audit or pass an audit of.

[Tyrone]

Yeah.

[Caleb Hammer]

So I don't think I am required to be happy.

[Tyrone]

But there are some. I mean, there are. You could, you know, I'm sure you do it already. Reduce your taxable, you know, income and reinvesting in your company or other things.

[Caleb Hammer]

I mean. Yeah. I mean, I employ one, but. Yeah, but that's. I mean, reducing tax income. Like if I employ someone just to reduce tax income, I would still rather pay that 40% on that $75,000 than literally get zero from it. So that's not just how it works, buddy.

[Tyrone]

Yeah.

[Caleb Hammer]

You're saying you're thinking of like a massive C corp that does a lot of funky shit, use the tax code. I mean, I still need pocket or money in my pocket at the end

[Tyrone]

of the day, right?

[Caleb Hammer]

So we don't do that shit. That's not what most small businesses do, and we're a small business,

[Tyrone]

so.

[Caleb Hammer]

No.

[Tyrone]

Yeah, that's what I'm going to do for this year and probably next year. You have up to five years to operate at a loss before the tax or the IRS labels you as a hobby and not a business, so.

[Caleb Hammer]

And you filing quarterlys next year?

[Tyrone]

Maybe. I don't know. I have to talk to a cpa.

[Caleb Hammer]

You'll be wanting to file quarterlies next year.

[Tyrone]

Yeah, well, this year I know I'll be able to write off the truck that I got. I'll accelerate depreciation on that. The interest on my other truck that I pay.

[Caleb Hammer]

I'm not complaining about any of that. But the reality is, I don't know if you're. If you're trying to make a big point about, like, I should be happy about writing the check when we can't pass audits and there's people like her and many others on this show. Listen, I'm good with the child tax credit. I guess it's a populist policy. I love to. If it actually increased the birth rate. It doesn't. It never has in any other history. South Korea has massive benefits. It's still falling, so, you know, it doesn't really work. The reality is, I mean, yeah, sure, it'd be great to be like a single household income and you guys can be in St. Louis off of 70. So I don't think we need to do extra support for you guys.

[Tyrone]

Probably could.

[Caleb Hammer]

Probably could. But, you know, you're just gonna claim that your income is zero, so then we're gonna give everything. So yippee. Our system has no flaws, and it's perfect. And I guess more people like me just should be forced to write checks. And you'll celebrate.

[Shelby]

Well, I'll be. I mean, that's why we're here.

[Tyrone]

I'll be. No, I'll be. My goal is to be a part of that person who writes those checks.

[Caleb Hammer]

Wouldn't you also rather, instead of that and just roo. Let's take money. Like, figure out, hey, what's the actual issues with where money is going first? And then once we get that settled, okay, let's decide if we need more taxes, if we can do less, or if we should stay the same.

[Shelby]

Yeah, that's exactly why we're here and not filming a retirement planning documentary. That's why we're Here for. That's why we're here. And not planning a documentary for retirement or something else that we don't know anything about because we are not doing good with our taxes, we're not doing good with our finances, we're not doing good with budgeting.

[Caleb Hammer]

What's she saying?

[Tyrone]

I think she's saying we haven't filed taxes and we. Or haven't made a budget is why we're here. I don't.

[Shelby]

Yeah, that's the whole reason you wanted me to come on the show. You said for financial audit. Okay, well then why are you. Why are the pieces not clicking? I'm seeing.

[Caleb Hammer]

Yeah, pieces not clicking. I'm talking about. I'm talking about him being upset that I'm not excited for writing a check.

[Tyrone]

No, I get, I get, I get what you're saying from the perspective were in that club, I don't know, fixing the system. Yeah, but I mean, the system exists as it exists. I would be okay. Because again, like I said, statistically speaking, we're probably not the average situation. So me writing a check towards the current system we have. Yeah. Would it suck at the end of the day? Sure. But as long as I'm making plenty of money to provide for my family, I don't care. Because I grew up in obscure poverty. Like, poverty poverty. I don't give a.

[Caleb Hammer]

That doesn't mean you could just do whatever and have any opinion forever. Well, I grew up with foreclosure notices.

[Tyrone]

They've all heard, oh, no foreclosure notice. Is that the worst part about your childhood? I hear you say that all the time.

[Caleb Hammer]

Is that the worst part? But it's an example of I moved

[Tyrone]

like, I don't know, 5.

[Caleb Hammer]

Care about finances.

[Tyrone]

I remember my mom, like ODing, and she was asleep fully like four days when I was like nine years old. Because you took like, what are we doing?

[Caleb Hammer]

Is this. Are we having a competition? I'm just saying I don't care. Just like I don't care about mine either.

[Tyrone]

But the thing is, like, the mindset that you have is because you grew up in a certain situation, you grew up in a certain scenario. Right.

[Caleb Hammer]

When I say I grew up deed. So you're going to take your taxes to zero?

[Tyrone]

Because I grew up in a different economic probably system than you did. The people that I surrounded myself with, that is how they operated and how they live life.

[Shelby]

Life.

[Tyrone]

So the things that I do even at this age are kind of based on the mindset that the people around me had.

[Caleb Hammer]

Okay. Everyone lives life based on their personal experience. Yes. We all know. What point are you trying? That meant nothing.

[Shelby]

Unlearn things that you have learned and been surrounded with.

[Caleb Hammer]

Unlearn that. No. Just being on assistance.

[Tyrone]

Yeah. Don't do drugs.

[Shelby]

Being on assistance. Where he was going with that.

[Caleb Hammer]

But dare. Yeah, okay, Nancy Reagan. It worked, I guess.

[Tyrone]

No, I just think that you have this, like, mentality of, like, I did this something. So it's like you can do it too, in the same exact way I

[Caleb Hammer]

did or not necessarily.

[Tyrone]

Everybody has a different mentality.

[Caleb Hammer]

I've always said personal finance is called personal finance because it's personal. But I know that if I can do it, other people can do it. Not necessarily the same way, but budgeting is still budgeting. The numbers work the same way. Money in, money out.

[Tyrone]

Yeah, but we're talking about personal philosophies here of why I do some of the things that I do.

[Caleb Hammer]

Right. Not what am I criticizing?

[Tyrone]

It's just not the mindset thing.

[Caleb Hammer]

Of what mindset? I don't know exactly. You're being defensive about nothing. I was responding to you saying I should be happy that I'm writing a check. I'm happy. I'm in a position where I get the right to check, but I'm not happy about losing money that could go towards life goals that I have, especially when the system is flawed. And I guess you're a fascist if you consider. Consider that there might be some fraud happening in this country.

[Tyrone]

There's a whole lot of fraud.

[Caleb Hammer]

Exactly. So what the was your point? That was pathetic and weird. What do you think your guys's financial score is? 0 to 10, 0 being the worst, 10 being the best one.

[Shelby]

I haven't seen the show, so.

[Caleb Hammer]

But I heard you're super smart. I just described what the score would be.

[Shelby]

I'm gonna go with what he said and say a one. It could be a two, a one, maybe a zero. Are we even on the chart?

[Caleb Hammer]

Right? Oh, trailblazer, you are going against the grain. Okay, well, if you want to figure out what your Hammer Financial score is, take that assessment for free. Just takes a few minutes. @caleb hammer.com you see where you stand, where you're doing poorly, where you're doing great. If you don't want to end up like guests on this show, besides not coming from households where your parents overdose. Also just use a budgeting app and you will figure out where your money is going. Something you guys definitely need. So check out Dollar Wise, you get a free trial. Dollarwise.com link in the description below. Or just download the app. App, Check it out, see if it works for you. Like tens of thousands of monthly active users do sign up for the annual version because it saves almost 50%. And you get the physical version of my 30 day meal plan signed by me, mailed directly to you. And the digital version of our cookbook. Here you guys go. I don't know if it. And where was it? St. Louis. They got grocery stores, but I think. I think you guys can use that.

[Tyrone]

Should be good.

[Caleb Hammer]

Okay.

[Tyrone]

Thank you.

[Caleb Hammer]

And I am sorry again. Like, I mean, I'm making light because I didn't really understand the point you're making. But. But I mean, I'm sorry for the place you came from. Like, you know, I think. And I'm sorry that you went like. It's horrible that your parents went through overdoses. That's really sad and it's really tragic. And I'm sorry. I still didn't really understand the point you were trying to make. And that's why I'm kind of making light of it. But that is tragic.

[Tyrone]

No, I think it was.

[Caleb Hammer]

I'm glad you're not replicating that experience for your kids. That's important.

[Tyrone]

I think the whole. The point. There's. The point that I was making was like, if I could be in a position to where I could write, you know, that big check to the. The. The irs. Yeah, it would suck. But it's like from where I came from, that's like the least of my worries. You know what I'm saying?

[Caleb Hammer]

That's the least of my worries too. Okay.

[Tyrone]

That's all I was trying to say.

[Caleb Hammer]

Doesn't mean I'm happy you do it.

[Tyrone]

I. Yeah, I mean, so I don't. Okay.

[Caleb Hammer]

I don't think anyone's. Oh, no, I made lots of money.

[Shelby]

That's.

[Caleb Hammer]

That's really sad. Okay. Chime so checking account first. That's interesting. We do like Chime. Chime.com. caleb, get $200 for signing up. It's free. No reason not to. Did you guys get that $200?

[Tyrone]

No.

[Caleb Hammer]

You signed up before or without my link?

[Tyrone]

I. I just found you like two months ago.

[Caleb Hammer]

Oh, my friend. My friend.

[Shelby]

I haven't signed up.

[Caleb Hammer]

$200. There you go. Get $200, lady. Link below. Wow, this is a lot of. Okay, what are we doing in here? Who's chime?

[Tyrone]

Mine.

[Caleb Hammer]

Okay. What you doing here? What's going on with this? What am I looking at? You're stopping in gas stations and getting some.

[Tyrone]

Yeah.

[Caleb Hammer]

What are you doing?

[Tyrone]

Bangs.

[Caleb Hammer]

What? Oh, the energy drink.

[Tyrone]

Yes, sir. Bang. Bang. Bang. Bang.

[Caleb Hammer]

I don't mean to do a plug too close to another one, but okay. Energy drink. Here you go. You're making this at home? Hey, girl. You know you guys should be on a budget. So I'm just gonna let you know what this is so you can force him to do it at home. It is a powder. It turns into the most delicious substance you could ever imagine. It's called Gamer Subs. It's an energy drink. You make it at home with my discount code, 10% off. Caleb, link in the description below. You get it for 40 cents a serving. So like you make your coffee at home instead of going to nasty ass Starbucks anyway. Make it. I guarantee it's better than bang. We put bang in our blind taste test. This beat it by far wasn't even close to the right.

[Tyrone]

What flavor were you banging?

[Caleb Hammer]

What flavor were we banging?

[Tyrone]

Remember

[Caleb Hammer]

it was a white can.

[Tyrone]

That already sounds like trash.

[Caleb Hammer]

Well, either way, that's better. I promise you.

[Tyrone]

Purple haze slaps, bro. Peach, Mango. Oh, Dragon fruit punch. That's what you gave me.

[Caleb Hammer]

Here, that one's fruit punch.

[Tyrone]

I tried to get the sample pack like 2 months ago when I found you and they were out.

[Caleb Hammer]

Okay, well you can get those sample packs, figure out what flavor you like. Link in the description below. Okay. And then. Yeah, so you're going to the gas station, getting a lot of the direct deposit, lease fund, some of those $36. What's that?

[Tyrone]

What is it?

[Caleb Hammer]

$136 coal qualify?

[Tyrone]

Yeah.

[Caleb Hammer]

Washer and dry or we're renting or.

[Tyrone]

No, no, it was what, four months? Same as cash.

[Caleb Hammer]

Yeah, because it hit just a couple days after that.

[Tyrone]

That's because I went. She okay? It's set up through her account.

[Shelby]

I wasn't paying it.

[Tyrone]

She was supposed to be paying it. She wasn't paying it. So then I went online and paid it and then I submitted the payment and it didn't show that it cleared. So then I did another payment and. And I went back and it's like, oh, okay. So I just double paid on it. But whatever.

[Caleb Hammer]

Snapchat pain for Sa. I thought she was the Snapchat.

[Tyrone]

I was restoring a streak with my daughter.

[Caleb Hammer]

Okay. The 13 year old.

[Tyrone]

Yeah, yeah.

[Caleb Hammer]

Okay. Been. We don't money a lot of money. Amazon. Amazon Prime Video money. Amazon and pull up to Amazon Spotify after pay. Amazon.

[Tyrone]

Walmart.

[Caleb Hammer]

Yeah, but The Walmart is 54. Hard to know if groceries are from Walmart. I hope so. So Sonic driving, that certainly ain't Groceries, I'll tell you that.

[Shelby]

Zip.

[Caleb Hammer]

Three installments. Just three installments. Zipping. What are you zipping? Zip.

[Tyrone]

That was my daughter's tennis. She started tennis this year, so I got her racket shoes.

[Caleb Hammer]

And you're zip painted. Yeah, but make money.

[Tyrone]

I. I know, I know. I'm at the point now where I'm making money. So I have, like, the opposite side of the spectrum. Like, I look at my account, I'm like, oh, I don't want to spend the money. So then I'm like, oh, paying for. I'm like, turning into, like, the Jew because it's like I don't want to see my account followed by what happened, happen a certain level.

[Caleb Hammer]

Are you a Jew for not wanting to lose money?

[Tyrone]

Yeah. See, well, I didn't. I don't use the paying force anymore because I didn't realize, like, the 30 per whatever interest rate they charge. But when you do 200, like 30. Oh, it's an extra 10 bucks or whatever over a month.

[Caleb Hammer]

I don't understand how that's being Jewish, wanting to have money in your checking account.

[Tyrone]

Come on. Do I really need to explain the stereotype?

[Caleb Hammer]

I do, but just having money.

[Tyrone]

Money, right.

[Caleb Hammer]

Yeah, but just having money isn't Jewish.

[Tyrone]

I know, but.

[Caleb Hammer]

But I would say having a lot of money.

[Tyrone]

Well, for me, it's a lot of money.

[Shelby]

Yeah.

[Caleb Hammer]

Wow.

[Tyrone]

It's more money than I'm used to having.

[Caleb Hammer]

For you. Not for the Jew.

[Tyrone]

Exactly.

[Caleb Hammer]

Okay, well. Ven Out Money. Prime Video.

[Tyrone]

Subscribe.

[Caleb Hammer]

Amazon. Amazon, Groupon. Now that's Jewish hell, yeah.

[Tyrone]

Remember what I did on there?

[Caleb Hammer]

Ven Out Money. Where would we ven. Hundreds of dollars, too.

[Tyrone]

Probably labor or.

[Caleb Hammer]

I thought you said there is no one.

[Tyrone]

My kids help me, so. Your kids, then. My niece also helps me sometimes. And then every once in a while if I'm packed up, I'll hire somebody.

[Caleb Hammer]

What about when your kids are in school?

[Tyrone]

I'll just do it by myself. Yeah, I'll just do it by myself.

[Caleb Hammer]

Okay. Venmo, Venmo. Amazon. Pull up your Amazon.

[Tyrone]

She should do that. She's the one who's Amazon lady now.

[Caleb Hammer]

Amazon more zip you Zip. Amazon.

[Tyrone]

Amazon, the same.

[Caleb Hammer]

Venmo, Amazon, Amazon, Amazon. A lot of. By the way, this is. This is a crazy statement. Facebook. You're paying Facebook. You paid Facebook.

[Tyrone]

That was Amazon. Amazon Verified badge or whatever.

[Shelby]

Oh, what the.

[Caleb Hammer]

What do you need to be verified? Business, maybe.

[Tyrone]

Business.

[Caleb Hammer]

You're monetized. What are you monetized on?

[Tyrone]

Making a whole lot of 15 bucks a month.

[Caleb Hammer]

Doing what?

[Tyrone]

Just Making reels.

[Caleb Hammer]

Content reels. Blackface reels.

[Tyrone]

Lawn care. Opinionated pieces.

[Caleb Hammer]

What's your most radical opinion?

[Tyrone]

Government sucks. Left wing, right wing sucks. Probably the biggest one that I'm on now is sucks.

[Caleb Hammer]

But he wants. He's going to be happy when he gives millions of taxes to it. Okay. It's an interesting philosophy. I don't think that's a radical position. No one really likes politics.

[Tyrone]

No. You'd be surprised how many people are either on one side or the other. Other.

[Caleb Hammer]

Well, certainly. But whatever. Okay.

[Tyrone]

That does.

[Caleb Hammer]

That's not a fun radical. You don't have a fun radical position for me?

[Tyrone]

No, not really.

[Caleb Hammer]

If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered Meta and YouTube to pay millions for their role in designing and promoting addictive platforms. They knew their apps could contribute to anxiety, depression and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now Morgan. And Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000. Ladies and gentlemen, I got something new to help you that we have personally built right here on calebhammer.com we have three, three new Caleb Hammer financial resources. They are the ones I would personally use, which is why we made them for you to use. As you've already heard me talk about, personal loans are okay when you're good at debt. I personally use them when I can leverage them for a situation. So we have good personal loans. On calebhammer.com we also have auto insurance. Now you can check for free and see if you can save a ton of money on auto insurance and then to close it off for now because we're building more. We have a debt relief program. You've seen how hard it is for people to get out of debt on the show. This makes it so much easier, but only if you're actually ready to change. Remember, none of this actually matters if you continue the same bad behavior. So it's not for you if you still suck. But if you've proved you can budget, check out these three programs from personal loans to debt relief to car insurance. To see if you can save a shit ton of money across the board. Go to Caleb hammer.com or the Caleb Hammer Financial Resources part of the pinned comment or description below and save a shit ton of money. Money.

[Tyrone]

I mean personal account Personal accountability is, like, usually my main thing.

[Caleb Hammer]

Like, that's the man who's gonna show up in black.

[Tyrone]

Work hard, you know, there's. Like you said, there's no excuse. I grew up in whatever. You know, if I could do it, you could do it, too. That type of talk about the Jews

[Caleb Hammer]

a few minutes ago.

[Tyrone]

No, I can't.

[Caleb Hammer]

Scared.

[Tyrone]

I can't.

[Caleb Hammer]

Scared.

[Tyrone]

Yeah, scare them. Not a good look.

[Caleb Hammer]

But you were gonna show up in blackface. We had to tell you. No.

[Tyrone]

Yeah, that should tell you something.

[Shelby]

That's the first time I've ever heard him say that's not a good look and actually cared about something.

[Tyrone]

That's true. Yeah.

[Caleb Hammer]

Why are you pussified on camera? Pussy.

[Tyrone]

No, the Jew topic is a little more controversial probably than blackface.

[Caleb Hammer]

Yes, I'm asking for your controversial take. I'd like to know where you stand in this world.

[Tyrone]

AIPAC sucks. BB's terrible person, terrible leader. That's it. Zionism is bad.

[Caleb Hammer]

Question on Zionism. What's Zionism?

[Tyrone]

The Christians who support and believe that Israel is the Holy Land and we must protect them at all costs.

[Caleb Hammer]

Okay. If I'm not mistaken, I think the original version of Zionism, like, the definition is just that there should be a Jewish state.

[Tyrone]

That's probably fine.

[Caleb Hammer]

Okay, so a classic version.

[Tyrone]

Yeah. There's nothing wrong with, like, Israel as, you know, a place, but I don't

[Caleb Hammer]

think that's how that word's used very much these days. Yeah, I don't know. I think this. Okay, we got a high chair, hair extensions for kids, fake plants or watering pots. I don't think we need that to survive. Same with the potting mix. We don't need that to survive.

[Tyrone]

Well, I got a chalk, markers, tattoo removal I'm doing. My grandma gave me an aloe plant, so I bought a.

[Caleb Hammer]

What?

[Tyrone]

I'm getting tattoo removal. So I got an aloe plant to rub aloe on it. Okay. For recovery.

[Caleb Hammer]

CVS one time. Probably cheaper than this. No watering.

[Tyrone]

Yeah, probably. But aloe is good for a lot of good stuff.

[Shelby]

I don't know. Honestly, I think. I think that was a cheaper route.

[Caleb Hammer]

We highly doubted that.

[Tyrone]

30 bucks, but you can use it a bunch.

[Caleb Hammer]

Then you got to go to the water. Yeah, but a little thing. How often are you getting a tattooing?

[Shelby]

Every four to six months is amazing.

[Caleb Hammer]

I mean, you got a book. What book? The. The book called Divorce.

[Tyrone]

Oh.

[Caleb Hammer]

Why is that?

[Shelby]

Looks like a good book.

[Caleb Hammer]

How does it.

[Shelby]

I'm not even married. I don't have anything to prep for.

[Caleb Hammer]

That's true. That is true.

[Shelby]

Rose.

[Caleb Hammer]

Gold plated chain. Go yourself. Do we not know what situation we're in here? That's not funny. Purple hair mask, lots of cables. Oh, thank goodness you canceled the AirPods because you can't afford that. Oh, you don't need a sound bar to survive.

[Tyrone]

Yeah, I bought. I bought five bucks.

[Caleb Hammer]

You don't have that. You don't have money.

[Tyrone]

I bought a VHS and a DVD player and the Aux Connect guys.

[Caleb Hammer]

It's all just.

[Tyrone]

Yeah, I know.

[Caleb Hammer]

This is all.

[Tyrone]

Yeah, you should see me when I'm riding around on a lawnmower and I get a notification that Amazon $20. Amazon $30. Amazon $20.

[Caleb Hammer]

I'm like, have a conversation about it.

[Tyrone]

Yes, I have a conversation.

[Caleb Hammer]

Tell me, what does that look like?

[Tyrone]

Why are you buying on Amazon that we don't need?

[Shelby]

And I'd be like, we need it.

[Tyrone]

Everything is a need, Caleb. If you can use it.

[Caleb Hammer]

It's none of that was a need, by the way, on there. Except for maybe the high chair, his work pants.

[Shelby]

Those were on there.

[Caleb Hammer]

Okay, I'm fine with that. Now I'm not fine with the other 80.

[Tyrone]

Yeah, I bought those. Girl, we haven't even got. You haven't.

[Shelby]

My daughter's hair bows. Okay.

[Caleb Hammer]

Yeah.

[Shelby]

Is she just not going to have bows in her hair? That sounds like a needle.

[Caleb Hammer]

A bunch of colored bows and the hair extensions. You did not need that shit.

[Tyrone]

You haven't even got to the tax credit statement from her. Oh, we originally were going to. Come on. This was right after taxes had hit. She spent like over $2,000 on Amazon.

[Shelby]

Yeah.

[Tyrone]

On things that we needed.

[Shelby]

How am I supposed to be a homemaker if you don't want me to make the home a home?

[Caleb Hammer]

You don't.

[Tyrone]

No. You don't. I'm not there enough to care, so.

[Shelby]

I mean, I am. That's the thing. I have to look at the same four walls every day.

[Caleb Hammer]

Why are we spending so much on the chime credit card? The new balance is substantial.

[Tyrone]

That was just the. The chime whatever. Like kind of like the fizz or mine card, whatever it's called now. That's what it was.

[Caleb Hammer]

But the balance is still substantial.

[Tyrone]

Anytime I would use my debit card, it would just be through that.

[Caleb Hammer]

Well, it's $3,451.57. Now you're going in getting some bullshit again. Energy drinks, used gamers, hubs, Netflix, getting bullshit Lavelle order, Sonic Drive in, Chick fil A. It's all bullshit. Going in and getting some bullshit Energy drink. Energy drink. Energy drink. Taco Bell Steak n Shake, Starz Entertainment. Who the even gets that shit? Cash advance 18. I would draw off $300. What the we do.

[Tyrone]

Hold on. That was for.

[Caleb Hammer]

Oh, that was for my son's dirt biker energy drink. Chick Fil A Texas Rorehouse. Emo's Pizza. Imo's Pizza. Sunglasses concession is five below Dairy Queen snucks an energy drink. The spending on here is insane. This is crazy. And you do owe it.

[Tyrone]

Hey. 50% of all of in order to

[Caleb Hammer]

be able to spend more on there.

[Tyrone]

You do 50% of my energy drinks.

[Caleb Hammer]

So the ending balance and your time secured. This is the chime secured card. Now this is a separate one. The one that I think you were talking about is $5,398. And that's just moving money back and forth. Listen, once you're ready to get back into the workforce and not be a surfer, please, for the sake of every man, I'll get you a course career certification. A lot of people in the audience have used that that you can get in project management and tech and the trades. Convert it into a six figure job like many people out there have. They're incredible. I'll get you that for free. You guys get a discount. But okay. Equifax. What is this? Okay, so this is your Equifax. What is this? A credit card? T B O M mail.

[Tyrone]

That's Milestone MasterCard.

[Caleb Hammer]

Okay, I'm being told you are practically the dumbest guest that's sending statements we've ever had. Why are you over the limit? $581. Yeah, the limit is 500.

[Tyrone]

Wait, wait, hold on, hold on. That might have been a fee.

[Caleb Hammer]

Why? Missed payment. It's a dollar forty.

[Tyrone]

Okay, it's not a missed payment. It was a late payment because I'm an idiot and I didn't realize guys that even if it's one day after the due date, they hit you.

[Caleb Hammer]

Why would they not?

[Tyrone]

I do.

[Caleb Hammer]

I thought you was.

[Tyrone]

You missed the whole like month. You like you. You know.

[Caleb Hammer]

No, that's when it becomes a misspay. Right on your credit.

[Tyrone]

Yeah, I only paid that once.

[Caleb Hammer]

That's only happened to actually twice at the limit already. I'd like to see what you're spending on this. But you didn't send me the statement because you're sending statements.

[Tyrone]

I don't know. Clef clip, clip.

[Caleb Hammer]

What is it?

[Tyrone]

You're born with it.

[Caleb Hammer]

You're born with it.

[Tyrone]

Yes.

[Caleb Hammer]

Is that a brain injury?

[Tyrone]

No.

[Caleb Hammer]

Why the couldn't you send US statements.

[Tyrone]

I don't remember why I didn't send a statement for that one.

[Caleb Hammer]

Well, any of them. I have the credit report.

[Tyrone]

There are statements.

[Caleb Hammer]

The rest of this was all the credit report. Literally. Except for your time.

[Tyrone]

They. I emailed them.

[Caleb Hammer]

Emailed them? What do you. What do you mean?

[Tyrone]

I emailed the statements.

[Caleb Hammer]

No, you didn't.

[Tyrone]

Yes, I did. You want to pull up the scent on my phone. I 100.

[Caleb Hammer]

Did you have it? You can pull it up. Pull up the email. Yeah, pull it up right now. Let's see.

[Tyrone]

Casting. It's on the Castle.

[Caleb Hammer]

Really? Any. Because they're which.

[Shelby]

Exactly.

[Caleb Hammer]

That was the save your life.

[Tyrone]

I couldn't.

[Caleb Hammer]

You couldn't send a PDF to save your life

[Tyrone]

person.

[Caleb Hammer]

Yeah, this is what I'm saying.

[Tyrone]

Yeah. Well then that's probably why it didn't come through.

[Caleb Hammer]

Because you didn't send it. Yeah, that. That was.

[Shelby]

Would.

[Caleb Hammer]

That would do it. Wait, I'm being told you want to join the Air Force. It was the master.

[Tyrone]

It's a possibility.

[Caleb Hammer]

What? How? You can't be a pilot.

[Tyrone]

No, I can't. I'm too old.

[Caleb Hammer]

Well, that and Air Force.

[Tyrone]

Air Force is the only thing that I can actually. You can join the army, but I don't want to do that.

[Caleb Hammer]

What do you want to do in the air? Why do you want to join the Air Force? You have a good business going on.

[Tyrone]

Because the off seasons suck for one. But also like I. I want to make more money on a consistent basis, like.

[Caleb Hammer]

Yeah, but you'll be away and all this stuff and you have so many kids.

[Tyrone]

Yeah, but once we get married, I only have to go to boot camp and then the job training and then they'll be shipped out with wherever I'm at.

[Caleb Hammer]

Okay, so what do you want to do?

[Tyrone]

Something in like cyber security or intelligence. Something like that. Something along those lines.

[Caleb Hammer]

Okay. I'm being told you want to get injured and get the benefits.

[Tyrone]

Oh, the benefits are great.

[Caleb Hammer]

But that benefit. The disability.

[Tyrone]

VA loan, the boots to business. The disability, those.

[Caleb Hammer]

The disability though. You will be the person.

[Tyrone]

You know it, buddy.

[Caleb Hammer]

You got it.

[Tyrone]

If the system exists, man. Why would you not? Why would you not.

[Caleb Hammer]

It doesn't mean you're not a piece of shit.

[Tyrone]

Yeah, you. That could sure fair. You're entitled to your opinion. As I am entitled to.

[Caleb Hammer]

That's barely even an opinion. Abusing a system that's meant there to help people.

[Tyrone]

Yeah, but it does help people.

[Caleb Hammer]

It does. So does food stance. Doesn't mean you're not abusing it. Yeah, which makes You a piece of shit.

[Tyrone]

No. Okay, disagree.

[Caleb Hammer]

Oh, I'm glad. I'm glad you disagree. The handsense statements, that's who he cared about, his opinion. Okay, Atlas, we owe $218.

[Tyrone]

What the.

[Caleb Hammer]

I don't know. It's Web bank or ETLS or. Imagine.

[Tyrone]

That's an imagined visa.

[Caleb Hammer]

Okay, you owe 218 on this.

[Tyrone]

Yeah.

[Caleb Hammer]

And the minimum payment is 27. I'd love to see what you spent on it, but again you can't. It's hard for me to give the advice of like what. Cut back on what you even spent on it to get it to that. It's hard for me to give any advice of what to cut when I actually don't even know what your spending is outside of your checking and the time credit because you can't send statements. I can't. I can barely do a full. I can do a budget at the end, but I can't say what to adjust from your current. Because I don't know what got you here because you can't send statements.

[Tyrone]

I wish I would have told me. I said those on six two. I said those on six two. Somebody should have said, hey, we didn't get any statements.

[Caleb Hammer]

We tell you.

[Tyrone]

We tell you by downloading the Dollar Wise app. I can tell you what I said.

[Caleb Hammer]

You went over all of it on the phone. I don't remember. As you were going through the credit report line by line.

[Tyrone]

Yeah, I sent the credit report and that went through.

[Caleb Hammer]

You know that.

[Tyrone]

Yeah. So I just don't. I don't understand why the other statements didn't go through. I sent them the same way. Actually. No, they were not PDFs. I screenshotted them from my phone, cropped it, and I sent them an email as a picture.

[Caleb Hammer]

The PDFs.

[Shelby]

That's probably what happened. Then you went to go send the pictures and you didn't select all the pictures that you needed to send. End this would be my guess.

[Caleb Hammer]

Dude, I don't even know what to do with you. Okay, well, this one's in Collections. Applied Bank.

[Tyrone]

That's a credit card.

[Caleb Hammer]

Yeah, but it's in collections.

[Tyrone]

Yeah.

[Caleb Hammer]

Why?

[Tyrone]

So that would be whenever I tried to buy the company.

[Caleb Hammer]

525. That's all it's in collection.

[Tyrone]

No, I tried to buy the company. I was working for salary for this guy for 60,000 a year. I had a credit card. I was doing good. I was making my payments.

[Caleb Hammer]

When was that?

[Tyrone]

That two years ago.

[Caleb Hammer]

You didn't file your taxes and you were on benefits while he made 60,000 hours a year. I hate this country.

[Tyrone]

No, you. I don't.

[Caleb Hammer]

We're not Gonna Last another 250 years.

[Tyrone]

I don't think she was at that time because.

[Shelby]

No, on. Yeah, I couldn't.

[Tyrone]

Yeah, I don't think she was.

[Caleb Hammer]

You guys had no benefits whatsoever?

[Tyrone]

No, no. You say so, but I was clearing like a thousand bucks a week. It was, but. So I basically lifestyle inflated. I took on two personal loans. I had a credit card. I was making the payments on all of them.

[Caleb Hammer]

Then buy the business.

[Tyrone]

No, this is pre. Pre buying the business. So I wanted to buy the company for my boss. He wanted to get out of mowing. I'd been working for him for, like, three years at this point, doing everything besides basically cashing the checks. So I'm like, you know what? I can start my own company. He's like, well, I'll sell you mine. And I'm like, okay. So he tells me what he wants for it. I don't have the best credit. I contact SBI.

[Caleb Hammer]

How much was.

[Tyrone]

Was like 120,000 for all the equipment, all the clients and all that stuff?

[Caleb Hammer]

Sure.

[Tyrone]

And so I contact SBA lender. She goes through my credit report. We get, you know, everything where it needs to be. And she's like, well, you need a co signer. And I'm like, okay, well, I could try to find one. So I reach out to a bunch of people, can't get anybody even if I offered them, like, you know, monthly payment or percentage or anything like that. And I was like, I'll ask her grandpa. And he's like, yeah, I'll do it. Bring me a business plan. Show me all the, you know, business revenue, everything they make, what they're doing. And I'm like, all right, cool. So we get going, go back to her. She's like, we could do it. It's going to be a variable rate loan. And he was like, yeah, I don't know about a variable rate loan. I talked to another guy. He said the same thing. So then my old boss was like, well, go to my bank and ask my lender. And so I go to him, talk to him. He pulls out.

[Caleb Hammer]

This ending with you didn't get approved.

[Tyrone]

I didn't.

[Caleb Hammer]

Well, okay.

[Tyrone]

Well, because the other lender gave me an option. He said, do this, this, this. Take care of these on your car credit report, and we'll talk. We'll get it done. So it takes me like three weeks. I get everything paid off. I go back to him, and then he's like, yeah, we're not going to do it.

[Caleb Hammer]

Okay, Wonderful.

[Tyrone]

So great.

[Caleb Hammer]

TBOM. You still owe on it. It's not in collections. 1,550. $1,055. It's a credit limit of 1,000. Minimum payment $53. Don't know why the. It's over the limit. Cancel your spending and that'll be kind of what's happening. This is a collection. I don't know what it was for because it's a part of the collection agency now, but it's 8:50. That doesn't. You didn't answer why things were in collections, though.

[Tyrone]

Because I.

[Caleb Hammer]

That was my question.

[Tyrone]

Because once I couldn't get the loan for the company, I had already started marketing. I'd already started marketing for my business, and I was moronic. No, because it.

[Shelby]

How else are you going to get a business?

[Tyrone]

No, it was planned to go through. This guy made it sound like the banker made it sound like if you get these things done, we will do the.

[Caleb Hammer]

You didn't sign right.

[Tyrone]

I was prepping, rolling, getting, trying to make sure that as soon as we

[Caleb Hammer]

hit the ground, he's always right. That's why he's in this position. And so, yeah, keep defending.

[Tyrone]

Here's the other thing. My cousin comes up to me who's been roofing for like 15 years, and he goes, look, you do the lawn care stuff. I'll handle. We can open a roofing side of this company as well. And I'll be the project manager. Basically. Doesn't mean you start doing that.

[Caleb Hammer]

Doing all this money behind marketing before you own the business.

[Tyrone]

Yeah, I understand that.

[Caleb Hammer]

So what the are we talking about?

[Tyrone]

I get the roofing supplies, I get the roofing materials. We start doing some roofs. Okay. So everything is taking off. I tell my boss, hey, I have to quit. This roofing stuff is going along. I'm taking on landscaping jobs. I don't have time to dedicate to your company and my business. So I put in my two weeks and then turns out my cousin, who told me all the. That he could do with roofing, had no idea what he was actually doing. Couldn't project manage anything.

[Caleb Hammer]

Almost just like you. That's crazy.

[Tyrone]

Yeah.

[Caleb Hammer]

So I don't. What the.

[Tyrone]

Didn't have a job.

[Shelby]

Okay.

[Tyrone]

Credit cards didn't paid. You asked how that happened. There you go. That's how it happened.

[Caleb Hammer]

Okay. Student loans. Who's this for?

[Tyrone]

Me. Okay.

[Caleb Hammer]

It's not huge. What's the. What's going on with it?

[Tyrone]

I went to do online at WGU for an Accounting class. I had a.

[Caleb Hammer]

You haven't made a pay.

[Tyrone]

I had a. Or a fafsa.

[Caleb Hammer]

Wgu. Everyone. Wgu.

[Shelby]

Man.

[Tyrone]

I ended up dropping out.

[Shelby]

Why is.

[Caleb Hammer]

You're in Governor's University. It's like.

[Tyrone]

So it went to I guess default.

[Caleb Hammer]

Okay. $2,437. Are you making payments?

[Tyrone]

No, it's on hold or I don't know what happened with it.

[Caleb Hammer]

Well, you would have requested it at this point, cuz it wouldn't be automatic.

[Tyrone]

Yeah, I did like a. I don't know two years ago. I have no idea what's going on.

[Caleb Hammer]

We should look at it because that actually might you. And they'll put it in default like 11% of student loans out there. So. Okay, call them again. It's hard for me to give advice without actually seeing because you won't give a shit. But because you're okay collections. Your student loan payment by the way is probably like 30 bucks.

[Tyrone]

Okay, I'll look into that then.

[Caleb Hammer]

Yeah, look into everything actually would be preferred because then I don't have information. Okay, collections. 3420 probably for the roofing, the bullshit. Bullshit.

[Tyrone]

No, one was a personal loan for it was that LVNV fund funding?

[Caleb Hammer]

Yeah, three of them are.

[Tyrone]

Yeah, one was for like carpets.

[Caleb Hammer]

Yeah. You own a home guys. These are the guys getting on the home. All you have to do is scam the system, you know, get a home.

[Tyrone]

No, we bought that like 10 years ago.

[Shelby]

Yeah, we bought it before we started scamming the system. Long before that and then allegedly happened.

[Caleb Hammer]

Wait, what?

[Tyrone]

Huh?

[Caleb Hammer]

You only owe 44. 43, 000.

[Shelby]

Yep.

[Tyrone]

4300 or 3400. I don't know, 4, 300. Whatever it says. Yeah.

[Caleb Hammer]

Oh yeah. 5000.

[Tyrone]

Almost paid off.

[Shelby]

We bought it brand new in 2016.

[Caleb Hammer]

Brand new watch. What?

[Tyrone]

2016 trailer. Yeah.

[Caleb Hammer]

Oh, you okay. You guys are not homeowners. Gotcha.

[Shelby]

No, we own it.

[Tyrone]

Yeah.

[Caleb Hammer]

Yeah.

[Shelby]

After that.

[Tyrone]

Yeah.

[Shelby]

Yeah.

[Caleb Hammer]

You own a trailer, right? It's a depreciating asset. It's a house. You don't own a home and it's a depreciating asset. Do you own the land it's on?

[Tyrone]

No. Okay.

[Caleb Hammer]

This isn't. That's not.

[Tyrone]

You'd be surprised what they sell for that.

[Caleb Hammer]

It's. It's better than before, I'll give it that. But you certainly aren't getting like the real estate market value. And you definitely don't own land.

[Tyrone]

No.

[Caleb Hammer]

Affordable Child Support Enforcement.

[Tyrone]

Yeah, so that was supposed to be written off whenever it's Closed, but it's

[Caleb Hammer]

not off your credit. The payment is 100 bucks a month.

[Tyrone]

Yeah, we have.

[Caleb Hammer]

I have 7749.

[Tyrone]

It was supposed to be whenever I was getting that loan my ex wrote when I was trying to buy the business, she filled out a form to get that stuff taken off of my credit report. Are you making the payment go through? No, because we have a. We have 50. 50. I pay her.

[Caleb Hammer]

Let's let that go to collections. Okay. This Amazon card, $139. Yeah, that'll just be paid off with one payment. So I can worry about that upstart. What's going on here? Oh, it's in collections.

[Tyrone]

Yep.

[Caleb Hammer]

Yeah, that's wonderful. Listen to him for advice. $502 first premiere in collections. 49 or 658. Wait, this is what you want to be with car. Hey, it's active. What is it? What do we have?

[Tyrone]

What's.

[Caleb Hammer]

It's a car.

[Tyrone]

Probably my truck.

[Caleb Hammer]

It's a vehicle. Yes. Okay. What is it?

[Tyrone]

2003 Ford F250.

[Caleb Hammer]

Okay. Oh, okay. How is it? $8,022. Does the job payment 332. I don't know the interest rate.

[Tyrone]

It's 25%.

[Caleb Hammer]

That 25%?

[Shelby]

Why?

[Caleb Hammer]

Well, cuz you have a ton of collections because you refuse to be a responsible adult in any aspect of your life whatsoever.

[Tyrone]

True that.

[Caleb Hammer]

That's pathetic. You want to be with that?

[Tyrone]

Yeah, yeah. 25.

[Caleb Hammer]

Of course. I mean, I've honestly given up on years life. So it's a ti. Typical value of that car right now is about 5,000 bucks.

[Tyrone]

If to do it now, it's less than that.

[Caleb Hammer]

Yeah, well, you'll throw 8,000 at 25%. So. I mean, guys, I don't know. Just the way you live life is kind of pathetic. Your world views are kind of pathetic. This is like what hope is there? Little. Let me try to do a budget, I guess your minimum payments. And yes, this will consider a mortgage because it's not really a mortgage. It's loan on a depreciating asset.

[Shelby]

You can.

[Tyrone]

It's a lot.

[Caleb Hammer]

I mean it does depreciate $105. Yes, it does depreciate 100, but we're

[Shelby]

gonna get all of our money back and then some once we sell it it so at least we had a place to call home for 11 years.

[Caleb Hammer]

I'm not. I'm not trashing that. I'm just. I can't give it the benefit of real estate. Okay, it's not real estate.

[Shelby]

Okay, yeah, right. It's not.

[Tyrone]

It's like personal property. Right.

[Caleb Hammer]

It's like a.

[Tyrone]

They label it.

[Caleb Hammer]

You own a vehicle.

[Shelby]

Yeah, personal property, whatever.

[Caleb Hammer]

I don't care. Income. Are you setting 30% aside for taxes this year?

[Tyrone]

No. No.

[Caleb Hammer]

Well, I'll give you an income of 5,000 because you should be all my deductions.

[Tyrone]

There's no way. That's why I'm not.

[Caleb Hammer]

Yeah, I would. I would love to see you get audited. What is your rent to the land?

[Tyrone]

410.

[Caleb Hammer]

Okay. Utilities and everything. Does that come with it?

[Tyrone]

No. Okay.

[Caleb Hammer]

All utilities combined, plus Internet.

[Tyrone]

Just elect. Electric's 180, Internet's 50. Okay.

[Caleb Hammer]

230. Phone bill. How much?

[Tyrone]

246.

[Shelby]

Woo.

[Tyrone]

Why she has a new phone.

[Caleb Hammer]

When you guys are done, I would just switch to helium. It's 15 bucks a line. It is so good. There's kids lines as well with great protections. I think like zero bucks. By the way, it's same coverage as like T mobile and stuff. So I would definitely do that. But you have to pay off your phones first. Gas. Vroom vroom. Drive. Drive. How much?

[Tyrone]

That's a hard one. Because what I do average, I mean last month I spent $3,700 on gas.

[Caleb Hammer]

Okay, perfect. Car insurance, how much that is?

[Tyrone]

250.

[Caleb Hammer]

You have insurance on the house.

[Tyrone]

It's included in the mortgage.

[Caleb Hammer]

Okay. Necessary food. It is a little difficult at that. I'll give you guys like a th000 bucks.

[Tyrone]

Think?

[Caleb Hammer]

Should be fine. You're just meal prepping like crazy. Probably eat out like crazy. I just can't see. I want to.

[Tyrone]

I want a meal prep because I spend $10 a day.

[Caleb Hammer]

Yeah, you do. It's insane. Absolutely.

[Tyrone]

On flatbreads.

[Caleb Hammer]

TP fund. Anything else you and your kids need to survive is 300 bucks. It's toilet paper, it's school supplies. Whatever changes month to month to things. Yeah. Medical, health care. Their co pays on a monthly basis.

[Tyrone]

I don't go to do. I don't do anything. So no.

[Caleb Hammer]

Okay. I guess we're on government. Yep. Okay. Subscriptions? I'll try 50 bucks. 60 bucks. Because you know the kids and everything. You have pets?

[Shelby]

Yeah.

[Caleb Hammer]

You have the dog? Just the dog.

[Shelby]

We have two dogs, two cats.

[Caleb Hammer]

Okay.

[Shelby]

Yeah.

[Caleb Hammer]

That's $200 for pet insurance. You want to keep them alive and certainly can't afford what you don't care.

[Tyrone]

I'm not doing no pet insurance. Okay.

[Caleb Hammer]

He's evil. Why are you.

[Shelby]

I know. He literally does.

[Tyrone]

Okay. Like we talked about the upbringing when I grew up. Like Animals were just like pets. They're great. You're just pets.

[Caleb Hammer]

Hey, guess what? How you grow pets as you've established how you grew up was not good. Maybe you become a decent human.

[Tyrone]

I. They're fine.

[Caleb Hammer]

That's weird. Pack food. How much?

[Tyrone]

We went 80 bucks a month. I have everything written down.

[Shelby]

We went over it and I would say like for litter and budget, litter and food, I would say like 200amonth. Litter of food between both cats, both dogs and the litter and the litter liners and we have to, we have an automatic litter which is like a gym.

[Tyrone]

That's 75.

[Caleb Hammer]

Oh Gem. 75. Nice.

[Tyrone]

Yeah, that's good. 80 for the animals. That includes litter and food.

[Shelby]

Oh, okay.

[Caleb Hammer]

Okay. 80.

[Tyrone]

160 bucks is my kids jiu jitsu and kickboxing.

[Caleb Hammer]

That's in the TP fund.

[Tyrone]

Okay.

[Caleb Hammer]

Where you put it is where you put it.

[Tyrone]

$150 a month on a trailer that I own. Like a utility trailer.

[Caleb Hammer]

Well, that's a debt, right?

[Tyrone]

For work? Yeah.

[Caleb Hammer]

Why didn't I have that debt?

[Tyrone]

It's probably because it's like a rent to own type. I don't know if it pops up on your credit.

[Caleb Hammer]

No, probably not. Okay. Anything else?

[Tyrone]

Oh yeah. $240 a month for her blowy thing.

[Caleb Hammer]

Blowout.

[Shelby]

My portable breathalyzer.

[Caleb Hammer]

Oh, 240. Well you do have to do that.

[Tyrone]

And then $600 a month to her grandparents.

[Caleb Hammer]

Do we have to do that?

[Tyrone]

Yes.

[Caleb Hammer]

Why?

[Tyrone]

Because they're the ones who paid for the dui.

[Shelby]

They have said several times that they're okay with us waiting until we're at a balance.

[Caleb Hammer]

Oh no, no. What's the balance you owe?

[Tyrone]

I just paid him 500 like two days ago. So $600? For how long? 3,000.

[Caleb Hammer]

So there we go. Add three to the debt, that's 8,000. And hey, the rent. The rent to own. How much is that? The trailer?

[Tyrone]

How much I owe on it? Like 1200.

[Caleb Hammer]

I have to add that here. Okay. If $7000 comes in and we save no money for taxes, you technically have wiggle room of like 1500amonth. I'm going to guess because your guys budget is messy and weird because I don't know your income's but if you actually set aside money for taxes properly, then you'd be fine. I don't know your death situation. You owe like 18,000 to the grandpa, right? Or something. Something.

[Shelby]

Eight.

[Caleb Hammer]

Eight. Okay.

[Tyrone]

She crashed a car without insurance a few years ago. They co signed for it, so.

[Caleb Hammer]

Oh good. Why not? So what's your debt like 32000 actually in reality I don't know again it was a mess. You couldn't send us 1500 bucks a month. You guys will be debt free in less than two years.

[Tyrone]

That's it.

[Caleb Hammer]

That's fine.

[Tyrone]

I have no debt outside of whatever's on that credit report

[Caleb Hammer]

to own and you have the family debt.

[Tyrone]

No I mean collections wise or like anything like that.

[Caleb Hammer]

Okay that's fine. Collections has not been My credit cards

[Tyrone]

were paid up at that time.

[Caleb Hammer]

Whatever guys. Okay less than two years. This is a mess. I can't do it for real if you don't give me the actual and I can't see the statements so what a waste of time. The post show will be better cuz I'm actually going to go through something fun. Whatever's hiding on that Snapchat is crazy and I'm excited to see it. Let me tell you it's going to be crazy Join Hammer let's get your Hammer Financial score first your real one spending in a budget can't tell your friends spending so x go yourself how common is a zero because you can't send PDFs debt you have collections 0 to 10 emergency fund density savings no

[Tyrone]

0 out of 10 retirement 0 retirement

[Caleb Hammer]

0 real estate you don't own Land

[Tyrone]

you don't own that's another reason for

[Caleb Hammer]

the Air Force okay hammer financial score 010 I don't give them let's go to the posture this is stupid I'll see you there. Join Hammer League three premium shows better than the last 20 minutes of that piece of I'll tell you that every single day six days a week. It's incredible. Join by clicking the join button or link in the description below or you can go off platform hammerly.com or join in the Hammer Elite app. See you there. Oh lots of messages from people Some women, some men he asked what are you comfortable with nudes in the bath Good full body titties ass late what

[Tyrone]

yeah what the is that she said

[Caleb Hammer]

I know I said knows about it but he doesn't LOL crazy hi you can see save those pics but can you delete them from chat just to

[Shelby]

be safe don't you don't have you

[Caleb Hammer]

can read it right there crazy I'd

[Tyrone]

rather somebody else it's not very I go work 121314 hours a day what's this?

[Caleb Hammer]

I just launched the brand new Hammer Elite app available on every major platform so you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join, and that's a promise.