$160,000 Of Weed Debt | Financial Audit

Summary

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Podcast Summary: Financial Audit – “$160,000 Of Weed Debt”

Host: Caleb Hammer
Guests: Alexis (24), Drake (23)
Date: April 27, 2026
Location: San Antonio, Texas

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Episode Overview

This episode of "Financial Audit" features Caleb Hammer conducting a brutally honest financial assessment with Alexis and Drake, a young engaged couple in San Antonio. The episode unpacks their chaotic financial past and present, including burning through a $122,000 inheritance, amassing high-interest debt, and struggling with income instability and communication issues. Caleb’s no-nonsense approach spotlights deep-rooted personal and relationship challenges, tough love, and plenty of blunt confrontation in hopes of shocking the couple—and listeners—into financial self-awareness.

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Key Discussion Topics & Insights

1. Income, Job Stability, and Spending Habits

• Alexis’s Employment

  • Works at a smoke shop for $12/hour, often exceeding 40 hours but only partially paid overtime (under the table cash).
  • On the verge of quitting without a backup plan, considering DoorDash or relying on a friend’s job lead.
  • Admits to “half-assed” job searches and feels stuck, not knowing what she wants to do for a career.
  • [03:12] Alexis: "Anywhere between like 350 and 450, depending on how many hours I work."
  • Underpaid for overtime, suggested by Caleb to consult a pro bono employment lawyer.

• Drake’s Employment

  • HVAC technician and former plumber, on salary ($4,000/month plus $1,500–$2,000 commission).
  • Handles most bills and carries the financial weight of the household.
  • [16:33] Drake: "On average? I guess a little over 5, 5,500."

• Spending Patterns

  • Alexis struggles with compulsive spending, notably mobile games and in-app purchases (spent ~$1,000 on The Sims in two weeks during an argument).
  • Both admit to frequent gas station snacks, Red Bull, and unnecessary Amazon purchases.
  • [53:05] Alexis: "Paying it off would take my entire paycheck and then I wouldn't have money for like anything else."
  • Recurrent late/overdrawn payments on credit cards and Cash App.

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2. Relationship Dynamics & Communication Breakdown

• Lack of Communication
  • Both Drake and Alexis admit to “shutting down” during difficult conversations, especially around money.
  • Alexis feels left out of financial planning; Drake says he shares info but only bill schedules, not a budget or full overview.
  • [42:04] Alexis: "He just... this bill’s paid, that bill’s paid. And like, that’s it."
  • [45:15] Caleb: “You say the right thing, you just don't do it. So am I confused? I'm confused on how there's any productivity to be had.”
• Threats and Motivation
  • Alexis only found motivation to work when Drake considered leaving the relationship.
  • Communication often devolves into jokes, dismissals (“shut the f*** up”), and arguments about spending.
  • [39:56] Drake: “I have [considered leaving] in the past, but that's what pushed her to get a job.”

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3. Inheritance Waste and Lifestyle Choices

• Blowing a $122,000 Inheritance
  • Alexis received inheritance after her uncle’s death.
  • Funds spent in ~8 months, including converting a school bus to a mobile home (~$45K), six months where Drake didn’t work, and up to $1,000/week on weed.
  • [26:13] "She did get to retire me for a few months when she got her dead uncle. Check."
  • [27:14] Drake: "We were spending at least $1,000 a week on Bud.”
• Regret and Assets
  • The bus is now rented to Drake’s brother for $450/month, but they resist selling for emotional reasons.
  • Caleb repeatedly urges selling the bus to pay off debt; Drake refuses, citing future travel dreams.

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4. Debt and Financial Mismanagement

• Debt Overview
  • Credit card and Cash App debt (both with maxed-out limits and late payments).
  • Collections: unpaid apartment damages, medical bills (from appendix surgery and hand injuries), and a co-signed friend’s car.
  • [72:59] Drake: “But then I have to have. I don't have $413 just laying around for it.”
  • [90:00] Caleb: “Household bad debt: $14,724. With a thousand a month, that’s 14-15 months to pay off.”
• Bad Credit Behavior
  • Neither proactively contacts creditors or seeks solutions, instead waiting for debts to drop off credit reports.
  • Both lack health insurance; Drake covers family’s phone plan and other expenses despite his own late payments.

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5. Views on Education, Career, & Long-Term Planning

• Career Indecision
  • Alexis contemplates college “to figure out what she wants,” but Caleb and Drake agree that unfocused degrees are a waste unless attached to a specific, marketable skill.
• Entrepreneurial Failure
  • Drake helped launch an HVAC business (with others) that hit $1M in revenue, but lost his stake due to lack of legal paperwork; business later failed.
• Future Aspirations
  • Unprepared to transition to marriage or parenthood—no savings for the wedding, disagreement on children, unaddressed resentments.
  • [44:19] Caleb: “Why marry him if he can't have these conversations?”

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Notable Quotes & Memorable Moments

• On Toxic Communication:
  [41:24] Caleb: “I’ve never told my girlfriend to shut the f*** up and meant it.”
  [41:58] Alexis: “I want to have the financial conversations. I want to be more a part of things. He doesn’t talk to me about them.”

• On Inheritance & Lifestyle:
  [27:14] Drake: “We were spending at least $1,000 a week on Bud.”
  [26:40] Caleb: “Oh, you suck equally now, buddy. No one would survive off $120,000. Why you thought you would make it to death…”

• On Career Motivation and Excuses:
  [13:38] Drake: "Not everybody needs college. And a lot of people waste money going to college."
  [11:08] Caleb: “That’s not my problem. It’s not his problem. It’s your problem being an adult. Step the f*** up and deal with it.” [11:37] Alexis: “Yeah, in my defense, I thought I would have offed myself by now…”

• On Spending Behavior:
  [53:56] Drake: “That was the card I was talking about that we got in pass through.”
  [57:12] Drake: “She pays her way through games.”
  [57:24] Caleb: “You spent $1,000 in two weeks on Sims?”

• On Financial Accountability:
  [95:21] Caleb (final verdict): “You guys are failures. Failures at conversations. Life and finances.”
  [95:30] Caleb: “Hammer Financial Score: 0 out of 10.”

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Timestamps for Important Segments

| Segment | Timestamp | |--------------------------------------------|----------------------| | Introduction and job breakdown | 02:04 – 04:45 | | Relationship engagement, job quitting talk | 06:11 – 08:32 | | Heated career and college debate | 11:08 – 13:53 | | Explosion over inheritance spending | 26:13 – 28:09 | | Weed expenditure revealed | 27:14 – 29:21 | | Visible breakdown in communication | 39:03 – 44:12 | | Financial arguments & resentment | 42:03 – 45:15 | | Hammer’s harsh assessment | 45:15 – 46:35 | | Budget walkthrough & missed payments | 52:26 – 54:44 | | Mobile game spending confession | 57:12 – 58:44 | | Debts, collections, and co-signing | 68:47 – 72:52 | | Closing judgments and 0/10 financial score | 95:21 – 96:14 |

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Conclusion

This episode is a masterclass in financial chaos, co-dependence, and avoidance. Caleb’s relentless honesty exposes every flaw—personal, relational, and financial. While Drake and Alexis express love and hope for improvement, their inability to communicate or plan puts their relationship and future in peril.

Caleb’s Final Message:
“You guys are just losers. You can't have conversations, you can't do anything. You can't talk to each other, you can't stand up, you can't advocate for yourself... But it's one of the easiest things I've filmed in months.”

Hammer Financial Score: 0/10

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For anyone struggling with basic budgeting, communication, or debt, this episode serves as both a cautionary tale and a call to finally grow up and take responsibility—before it’s too late.

Transcript

[Caleb Hammer]

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[Alexis]

I got a $122,000 inheritance check to then which we like blew and a

[Caleb Hammer]

year and a half had what we

[Drake]

were spending at least $1,000 a week

[Caleb Hammer]

on Bud, $1,000 a week on weed.

[Alexis]

I thought that I had told him about everything that I like all of my debt. That's not my fault he didn't remember.

[Caleb Hammer]

Why has no one considered leaving? Has anyone considered leaving?

[Drake]

I have in the past.

[Caleb Hammer]

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[Alexis]

I'm Alexis, I'm 24.

[Drake]

I'm Drake. I'm 23. We live in San Antonio and this is Financial Audit.

[Caleb Hammer]

Thanks for coming up to Austin guys. Nice to meet you. Listen Alexis, you're right in front of me right now. So let's start with you. What do you do in San Antonio for a living? Cheapest major city In Texas. So income can stretch further. Yeah, I mean, everyone hates it. Continue. Go on. What do you.

[Drake]

I don't know about that.

[Alexis]

I work at a smoke shop. A head shop. Yeah, I'm about to quit too.

[Caleb Hammer]

Okay. For a better job. Oh, ho ho.

[Drake]

You'd think so, wouldn't you?

[Alexis]

I don't know yet.

[Drake]

She got no plan.

[Alexis]

I have no plan.

[Drake]

And I've told her since she's got the job to keep looking at other jobs.

[Caleb Hammer]

Well, I wanted to ask your income situation, but.

[Alexis]

Oh, yikesies. Um, horrid. I have enough money to pay for groceries and that's about it.

[Drake]

No, he's asking you, like, how much you make.

[Alexis]

Oh, 12 an hour. That one went right over my head.

[Drake]

So reach out.

[Caleb Hammer]

We're in for a struggle. Here we go. Okay, what hits your account per paycheck? Cycle per paycheck. What hits your account? Let's just try that.

[Alexis]

Actually, anywhere between like 3:50 and 4:50, depending on how many hours I work.

[Drake]

So. Yeah, her job is okay.

[Caleb Hammer]

Yeah. Why don't you talk for her? Cause she doesn't know what the she's saying.

[Drake]

So she's supposed to be part time at her job, so. Smoke shop, but they work.

[Caleb Hammer]

Sounds like she is with that pay,

[Drake]

but they're working her full time.

[Caleb Hammer]

And with that pay is full time. $384 or whatever.

[Drake]

Yeah, she actually works more than 40 hours some week, but they stop the clock.

[Caleb Hammer]

Is that a weekly pay?

[Drake]

Yes, and they stop the clock at 40 hours on their books, but she'll work more than 40 and they don't pay her the whole time and a half.

[Caleb Hammer]

Talk to a pro bono employment lawyer. Ow. They probably want to make some money. Sue them.

[Drake]

I don't know how all that works.

[Alexis]

I didn't know that was an option.

[Caleb Hammer]

I'm a lawyer.

[Drake]

But lawyers are expensive.

[Caleb Hammer]

Pro bona, pro bono. They would take a look at it, assess it.

[Drake]

Is it really worth it, though, when it's not that much?

[Caleb Hammer]

Maybe. I don't know. Because you actually might have an employment case of not just back pay, but potential even worse.

[Drake]

It's true. I guess. I don't.

[Caleb Hammer]

I mean, I don't really know that's what a lawyer is for, but. Okay. How many hours a week are you working on top of that 40 that you're not being paid for?

[Alexis]

I usually average between like 35 and 45. There's only.

[Caleb Hammer]

Okay, so sounds like she's not always above that 40, but that 45. You're not getting paid for the five

[Alexis]

I'm getting paid, just not time and a half like I supposed to.

[Drake]

It's under the table. Cash.

[Alexis]

Yeah, it's under the. Yeah.

[Caleb Hammer]

Well, under the table, cash is also not being tax. I mean, it's supposed to be, but you're not paying tax on it, so I guess it at least actually makes up for it relatively. You're not getting paid 50%, so. Not 100%, but yeah. Okay. Is the whole thing under the table?

[Alexis]

Not the whole check, just anything.

[Caleb Hammer]

And what's this under the table? They're like, here's some cash, but they

[Drake]

just don't want to pay the time and a half.

[Caleb Hammer]

Huh?

[Drake]

They don't want to pay the time and a half.

[Alexis]

No.

[Caleb Hammer]

What is. You said under the table. I am quantifying what the.

[Drake]

That means just cash.

[Alexis]

Cash.

[Caleb Hammer]

That's what I asked, and then you answered something completely different. So they just give you cash once a week?

[Alexis]

If I, like, work more than 40 hours, then yeah, I get whatever extra I'm supposed to get in cash.

[Caleb Hammer]

And have you brought this up?

[Drake]

No, I told her to.

[Caleb Hammer]

If you haven't advocated for yourself that I'm all of a sudden not giving a shit. Advocate for yourself. How long has this been happening?

[Alexis]

Since, like, January. Ish. Like, we. There's a bunch of employees over a couple months.

[Drake]

Okay, very good.

[Caleb Hammer]

Okay. I don't give a. About what you're going to say. I'm talking to her. Sorry, I'm just. I'm. I'm not trying to come out of the gate as a dick. You just keep jumping in, man. It's like, dude, I'm trying to talk to your woman right now. Listen. I mean, the dude is fear. Like, his biggest fear in the world is being cucked. Like, before I even met him, he was just blabbing around the office. I hope no one here steals my girl today.

[Drake]

Okay. No, I just know y' all are a bunch of gooners.

[Caleb Hammer]

Bunch of gooners. But we don't. Just women. One, without their consent. Two, taking them from men.

[Drake]

I've heard Brandon's. I've heard Brandon's comment where if it's not married, you know, that's. That's what he said.

[Caleb Hammer]

You guys are not married?

[Drake]

Not yet. We are engaged.

[Caleb Hammer]

Congratulations. When are we getting married? How long have we been engaged?

[Alexis]

We're getting married in June, and then we've been engaged three years. Two years.

[Drake]

Two years.

[Caleb Hammer]

Two years. And get. What the. Okay. How long have you guys been together?

[Alexis]

Six years.

[Drake]

Six years.

[Caleb Hammer]

Okay. So how long is this job gonna last before you quit? Am I even putting the income on paper? Does it matter after?

[Alexis]

Since they banned all of the THCA banned. I went through that with the nicotine ban and I don't wanna deal with that with people through the THCA ban. So at the end of the months people are mean. The amount of people that yelled at me retail.

[Caleb Hammer]

I mean that unfortunately happens. I obviously don't advocate for it, but unfortunately that is the reality of the situation. Okay, so whatever this law is goes in effect at 331. I honestly don't even know what it is. I'm not in that world of destroying my brain. But. Okay, so you don't want to deal with it. So you're going to go from income to no income even if it is a shitty situation. I don't want her at the end of the month.

[Drake]

I keep telling her she needs to have a job before she leaves.

[Caleb Hammer]

Okay, so what are the conversations surrounding this? And obviously there is a big divide here. So just give it to me then obviously this is what you want to talk about. So tell me what the.

[Drake]

She wants to quit like all the time. And I keep telling her to have another job. I'm okay with her quitting.

[Caleb Hammer]

So she's quitting by the end of the month. Which by the way is in one week. Yeah, less than. So go on.

[Drake]

Well, I just. She has to have another job. Cause right now we can't make it unless she has some kind of income.

[Alexis]

I was going to go back to like doing doordash and stuff until I find something else. I have a friend that his wife is able to get me in on. Potentially in on her company.

[Caleb Hammer]

Potentially in on her company within five days. Okay.

[Drake]

No, no.

[Caleb Hammer]

Okay.

[Alexis]

The training is put in five days until June. So I'd have to figure it out until then.

[Caleb Hammer]

What are you talking about? Okay, what is figured out until then? He says he needs to have a job. What are the conversation. What happens in the conversation? That's what I've been asking guys. He says he wants you to get a job. What the happens in this conversation?

[Alexis]

He tells me to start looking and then I look and then it kind of just.

[Drake]

She half asses looks though.

[Caleb Hammer]

Huh?

[Drake]

She half assed looks? Yeah, she doesn't really like, she'll like

[Alexis]

kind of scroll but like nothing is hiring right now. Sure, I've applied it.

[Caleb Hammer]

I mean that's not 100% true. It's not a great job market. But nothing is hiring. No.

[Drake]

She spent three years looking for a job for a while. That I did do because Always saying nothing was hiring.

[Caleb Hammer]

I'm looking. Oh, when was that?

[Drake]

Few years ago.

[Caleb Hammer]

Okay. Well, that's when literally everyone was hiring in the best employment market we've had in the history of the United States. So golf with that.

[Drake]

So.

[Caleb Hammer]

So that excuse no longer holds water.

[Alexis]

So many.

[Caleb Hammer]

Nobody is hiring you because your resume sucks or your interview skills suck, or your skills actually suck, or you're bad at working and now you can only sell drugs to druggies. That's all you're capable of doing. Or driving in a car, which is what pretty much every immigrant does when they come to San Antonio. So that's pretty much where you are.

[Alexis]

Unfortunately.

[Drake]

Yeah. She.

[Alexis]

She.

[Drake]

Unfortunately.

[Caleb Hammer]

So you recognize you're 100% the problem. You don't. You don't even have an alternative opinion to this. Very good. So the answer is, leave her. She's a complete failure. She's a cop. She's done. I mean, that's it. Right? I mean, I'm sorry. I mean, you can. You didn't stick up for anything. You didn't try to advocate for any kind of position or opinion. You're just like, nope, I suck. I'm the problem. Good. She's done. She is not willing to work on it for the past few years. That's it. And the relationship. Why would you stay with that? I don't understand. Like, at least if she had an argument, even if it was wrong, at least there's some. Some kind of perspective to be had. But she doesn't. She's just like, no, I'm a failure and I'm okay with it. How would you ever want to stay with someone like that?

[Drake]

Well, to be fair, the. The last job she had before this one was a computer. She was working from home on the computer and working from home on computer.

[Caleb Hammer]

Everything's computer. That's beautiful. Wow.

[Drake]

Yes. But dogs. I was living with my friend at the time. Our dog and his dog got into a fight. They're both pit bulls. She tried to stop it, and now she.

[Alexis]

That didn't work out.

[Drake]

Her hands got torn up. Her hands and her arms got torn up.

[Alexis]

No, it wasn't. They both, like, severe nerve damage in both of my hands. You can, like, see all the scars.

[Drake]

That's after scar surgery type for me.

[Alexis]

I'm fine.

[Caleb Hammer]

Is the issue.

[Drake]

I mean, I guess for the few months after that. Right. She couldn't type, so she was on some kind of. Not medical lease, but what's the point here? Medical break, and that's what she lost.

[Caleb Hammer]

Does that have to do with her not saying no one's hiring for two to three years?

[Drake]

No, not really.

[Caleb Hammer]

So what the was the point of that? What was the cope? Just cause you're attracted to her and you like her doesn't mean she's going to be a good person in this relationship. I. Correct me if I'm wrong here, but we brought up the problem. The problem that you are having in her entire thing was like, yes, I do suck and I am a loser and I don't care.

[Drake]

Well, she did finally get a job.

[Alexis]

I don't care. It's. I struggle finding. I don't know what I want to do in life. I want to find a career, but like, I don't know what I want to do.

[Caleb Hammer]

That's not my problem. It's not his problem. It's your problem being an adult. Step the up and deal with it. What do you want from me? I don't know what I want to do in life. Then take in a plunge. Appointment, quiz, talk the a. I do something like what the am I supposed to do? Like, that's not a problem that can be solved by someone else. You're just gonna cry about it forever that you don't know what you want to do. Like, I'm sorry, I'm probably coming across as a dick, but at like what point? Like, what's the, what's the alternative? Oh, okay, well, I'm sorry to hear that.

[Alexis]

Yeah.

[Caleb Hammer]

And then what? You never do anything ever. It's like, what? No, figure it the out. And I also don't care. It's an income. If you can't figure it out, you still need to get an income. I don't really give a shit. I'll get you a course, career certification and something you want. But if you can actually figure out what you want. People in the audience have converted those into six figure jobs. You actually got to figure out what the you want.

[Drake]

We've had these conversations and it just doesn't go anywhere. Just like this. She doesn't know what she wants to do. She wants to go back to school, but she has. But she has no idea what she wants to go back.

[Caleb Hammer]

Why would you even go back to school? That doesn't even necessarily happen.

[Drake]

I don't believe in college and all that.

[Caleb Hammer]

You don't believe in college? That doesn't make sense either.

[Drake]

No, not unless you actually need it. Right. All these people spend money, thousands of dollars. Go to college and don't do anything with the degrees. Exactly.

[Caleb Hammer]

Sure, but. And a lot of them do, on average. People with degrees earn double lifetime earnings.

[Drake]

Not necessarily.

[Caleb Hammer]

Well, no. On average, the overall statistic is those with a degree, not necessarily you. Not necessarily. The statistic is double lifetime earnings.

[Drake]

Then didn't someone, I couldn't remember someone said that someone told us the next generation of millionaires are going to be plumbers, H Vac and electricians. And none of those people need degrees.

[Caleb Hammer]

Ye. Abraham Lincoln said nigga. So I don't care what your famous person said. How do I even know if what that famous person said is real or not?

[Drake]

Like what?

[Caleb Hammer]

What did he say? What did he say?

[Drake]

That the next generation of millionaires are going to be plumbers, electricians and H Vac. The trades. Right?

[Caleb Hammer]

Sure. Yeah. No, they're going to do.

[Drake]

We don't have to spend thousands of dollars.

[Caleb Hammer]

All everyone can do. All of a sudden that happens. The pay for that demand goes down because the demand is lower because there's a lot of people in the job market. If everyone did that, the pay wouldn't be as good.

[Drake]

I'm just. I'm just saying I don't agree you should go to spend thousands of dollars on college unless you're going to go be a doctor engineer. And actually that degree.

[Caleb Hammer]

That's not how that works. Teachers do well with their degree.

[Drake]

Marketing does well with their degree degrees. Now, right?

[Alexis]

You need a, like a bachelor's degree to go to any school, to be a teacher, to be a librarian. You need a master's degree.

[Caleb Hammer]

There's a lot of degrees that make sense. I'm not saying go get an art degree or a music degree, but there's a lot of degrees that make sense.

[Drake]

Okay, but going to college with no purpose doesn't make sense.

[Caleb Hammer]

Sure, there you go. Once you push the goalpost all the way to the other side of the earth. Yes, I agree with you, but your I don't agree with college at the beginning is.

[Drake]

Not everybody needs college. And a lot of people waste money going to college.

[Caleb Hammer]

The famous person was Jensen from Nvidia.

[Drake]

Did you look it up?

[Caleb Hammer]

I didn't. That's my quant.

[Drake]

Your what?

[Alexis]

The magic man and the computer did.

[Caleb Hammer]

We love them.

[Alexis]

I want to at least go to college to get my basics.

[Caleb Hammer]

And why do you need your basics if you're not going to convert that into a degree that has a return on investment?

[Alexis]

Hopefully at that point I'd be able to figure out what I want to do and continue.

[Caleb Hammer]

You're 24 and you've never figured out anything ever. And you literally just sit and your only complaint is I can't figure it out.

[Alexis]

In my defense, I thought I would have offed myself by now, but I obviously.

[Caleb Hammer]

How nice. That's only what every other guest says on this show. So. So that's such a thing. Such a Gen Z. Shut the up. Just Shut up. Okay? Boogie2988. Like what? Shut up.

[Drake]

It's.

[Caleb Hammer]

That's not a reality that was ever probably likely considered. I don't even want to hear it. Don't even say that is seriously. 30% of all guests are saying that these days. I don't even need to think about it. I wasn't even worried about it. I didn't even think I'd be alive. Shut the up. Shut the up. Grow up and do something. Take a second and think and advocate for yourself. What a dumb ass bullshit stupid point you have. You have no maturity in life and you refuse to do anything. Especially even for your fiance. It's kind of gross.

[Alexis]

I do.

[Caleb Hammer]

Stop.

[Alexis]

I do a lot. I take care of everything at home. The dogs, the groceries. I cook dinner every single night of the week.

[Caleb Hammer]

So do you just want to be a trad wife?

[Alexis]

That would be fun. But we can't avoid that.

[Caleb Hammer]

Okay. What's your job?

[Drake]

We tried.

[Caleb Hammer]

What's your job? Jake Drake.

[Drake]

I'm an H Vac technician.

[Caleb Hammer]

Oh, I wonder where that big opinion came from. Earlier like that. The labor demand is so tight. That is why your pay is high.

[Alexis]

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[Caleb Hammer]

Enjoy it.

[Drake]

Also did plumbing before this.

[Caleb Hammer]

Congratulations. What do you make?

[Drake]

4,000amonth salary plus some commissions.

[Caleb Hammer]

How much commission? Because that isn't like the big ego stroke.

[Drake]

It really just depends, right? H Vac could be slow during the winter.

[Caleb Hammer]

Average month, I guess.

[Drake]

Average 1500-2000.

[Caleb Hammer]

A month.

[Drake]

A month.

[Caleb Hammer]

Okay. So what hits your account a month on average?

[Drake]

On average? I guess a little over 5. 5,500.

[Caleb Hammer]

Okay. I mean you can do a household in San Antonio on that. So you could tread wife it. And I know from what we have is she desperately wants to get pregnant and become a milk asap, but I guess you guys don't agree on this kid thing at all. You guys aren't even join on finances. Can't even have conversations about money without her shutting down.

[Alexis]

Yeah, slightly.

[Caleb Hammer]

And he won't even stick it in you as far as I know. Right?

[Drake]

Work can be stressful sometimes.

[Caleb Hammer]

Work can be stressful sometimes.

[Drake]

I'm also the service manager.

[Caleb Hammer]

Ah, okay. That would.

[Drake]

So.

[Caleb Hammer]

Yeah, so you want to get babies put in you. He's not really putting it in you. And life is stressful. You can't even talk about money. He shuts down the financial conversations. You can't even answer questions to save your life. What the is going on? Why are we even together if we don't agree on literally pretty much anything? And things aren't even healthy here.

[Drake]

Cause I love her. She's hot.

[Alexis]

God damn that.

[Caleb Hammer]

Would you want to hear we?

[Alexis]

Not necessarily.

[Caleb Hammer]

You're not bad looking.

[Alexis]

I'd like to think that's not my best or my only quality, but okay. I'd want to be more than just pretty.

[Caleb Hammer]

Okay, Says the wannabe trad wife we attend.

[Drake]

And that's why I made her get a job. Because after the whole computer thing, sorry, I. I gave her some time to be stay at home and I was making some money and. But I would come home, the house wasn't clean, dishes were stacking up in the sink.

[Caleb Hammer]

Why aren't you doing shit?

[Alexis]

Pure laziness at that point, honestly.

[Caleb Hammer]

That seems to be the reality currently. You getting in another job or being responsible in any way or two years when you were looking for a job and no one's hiring, even though everyone was hiring anyone.

[Alexis]

I was doing like doordash in that time period. So I wasn't like.

[Caleb Hammer]

Well, that's not. It's not necessary.

[Drake]

I had three hours of it per. Per day, if that.

[Caleb Hammer]

Well, she was doing something more than that. She was only staying home.

[Alexis]

I'd leave it like anywhere between like 9 and 11, and then I'd come home at like 4:35ish.

[Caleb Hammer]

Okay. How are you guys able to have this lifestyle that you want? When in the interview again before this, when you weren't there, he's saying, oh my goodness, it is so annoying how she's constantly asking for everything. And then you said independently. It's so annoying how he's always saying no for everything I'm asking for.

[Drake]

That's because she has a bad habit in like five minutes bringing up 10 different things we can spend money on. And Ed's stressed out with everything else we gotta spend. I gotta pay bills. We have a wedding coming up. I have absolutely zero Money saved up for, you know, we don't have all the extra money to be blowing on rent. She wants a goat, a house, a car, anything and everything, she'll ask for it.

[Caleb Hammer]

I mean, I have a note that you think she's the entire problem for Yalls financial situation.

[Drake]

Well, she does spend a lot.

[Alexis]

I know nothing about the finances. If I knew more, I.

[Caleb Hammer]

Why don't you clue her in?

[Drake]

I don't know.

[Caleb Hammer]

What are you hiding the finances?

[Drake]

No, I'm not hiding anything.

[Caleb Hammer]

I mean, that's a relatively decent argument.

[Drake]

I have a bad habit of asking people for help. Or I just do everything myself because I know it's not.

[Caleb Hammer]

She just wants to look. Dude, what the are you talking about help? You're not asking for help. It's like she doesn't know what's going on in the finances so she just swipes.

[Drake]

Well, she kind of does. She does know. She knows. Well what she just said payment, car insurance. She knows the rent. She just doesn't know exactly. Like I guess when it gets paid.

[Alexis]

But I don't.

[Drake]

She does because I have anywhere numbers.

[Alexis]

I know how much the car payment is and I know how much rent is.

[Caleb Hammer]

Knowing how much a payment is is different than knowing how much money is coming in, where it is.

[Drake]

And yeah, we don't sit down or ever have conversations.

[Caleb Hammer]

Okay, well, she's advocating for that.

[Alexis]

Yeah.

[Caleb Hammer]

She's saying her spending is bad, but she doesn't even know her spending is bad.

[Alexis]

I, like, I'm severely, severely self aware that my spending is bad. It's.

[Caleb Hammer]

Then why do you do it?

[Drake]

Great question.

[Alexis]

That is a great question. Honestly, my entire life, everything has always just been handed to me. And it has been very hard.

[Caleb Hammer]

How would you grow up? That's the entire point of this conversation so far for you. Stop being a literal child.

[Drake]

She went from living with her parents to living with me and I started paying all the prices.

[Caleb Hammer]

There was no transition period.

[Alexis]

No, no.

[Caleb Hammer]

I guess there's still children.

[Alexis]

Yeah, no, we. When we started, like I moved out of my parents house. I never. I've never lived on my own. I've never had to like take care of all of the bills and everything on my own. And so like I am very ignorant whenever it does come to that because everything.

[Caleb Hammer]

How ignorant are you? When you sent in statements for the show, you guys got into a massive fight. The moment he saw your statements, I

[Drake]

didn't realize she went, what happened?

[Caleb Hammer]

Tell me exactly what happened with that.

[Drake]

Because she told me, oh, I'm going to get groceries on my. I'm going to open up a credit card. And I know her spending, so I kind of urged her not to. And she was like, well, I'm gonna do it now that I have a job, I'll use it to get groceries and then I'll pay it off every month and just use it to build my credit. Well, I guess that happened one time and she never paid it off. And I didn't realize that. I didn't know. And when we were sending in statements, she was like, yeah, this is maxed out. Cause I never paid it. Yeah, same thing with her cash app. I didn't know her cash app borrow was maxed out either.

[Alexis]

I thought getting a credit card would be a good idea. I thought that I would be responsible and pay it off. Unfortunately, I have a. Like, I don't like to pay it off. I want the money.

[Caleb Hammer]

You don't like to pay it off.

[Alexis]

It's not that I don't like to. I don't want to spend the money. Yes, I don't want to spend the money because then it's not in my account and then I can't spend it on other things.

[Caleb Hammer]

And this is what you want to be with.

[Drake]

That's why we're here. I want to get it changed. Especially before we get married and combine finances.

[Alexis]

I need to pay it off. It's in my brain that I need to pay it off. And I know I do.

[Caleb Hammer]

Okay, so you're incapable of everything. You can't look for a job. You can't pay off a card. You can't figure out what you want to do. You can't figure out even what class to take. You can't do anything. And your only excuse is I can't do it. Like, what the. I don't know how to work with that. Someone like you is just a. They think because people in this like TikTok generation of bullshit gen Z crybaby, you know, moral masturbators, they accept saying, my boundary is not having to think about that. It's like, no, your boundary. I don't give a. About your boundary. Your boundary doesn't all of a sudden entitle you to be a. Like. Like this is your enablement. No longer you not thinking is you up your life. But what am I going to do with that? I can't do anything. I don't give a. And I have no sympathy for it. You're just choosing not to and you're falling back on that excuse that other people have allowed for you to excuse your behavior grow up.

[Alexis]

It's. I know that there's like, I know I need a new, like I need a new job and I need to find something before I quit. I like, I like I'm too comfortable with not like my job is easy, I don't have to do much and so I like I'm too comfortable.

[Caleb Hammer]

My job is easy. That's why I'm quitting.

[Alexis]

I'm quitting because I like, I'm not getting, I'm not making the amount of money that I need to be making.

[Caleb Hammer]

And you haven't asked them once. You haven't even literally brought it up in a singular conversation.

[Alexis]

I was told something about the management position and then ever since then, don't care.

[Caleb Hammer]

You haven't brought up your pay at all. Not once.

[Alexis]

12 and I don't care.

[Caleb Hammer]

You have. No. You're. You haven't brought up your pay to them one time.

[Alexis]

Oh yeah. No.

[Caleb Hammer]

Stop bleeding out money. Making minimum payments across multiple high interest accounts. Most Americans are spending hundreds, sometimes thousands of dollars could be going toward actually paying down debt instead of aligning some banks pockets. And look, if you're sitting on high interest credit card debt, a car loan at 18% or oh my goodness, a payday loan charging you triple digit interest rates, you need to hear this. If you've already cut up the cards and built better financial habits, but you're still drowning in interest payments, barely making progress, this is for you. I have opened my very own marketplace, a personal loan marketplace that lets you get personalized offers from multiple lenders. In one place. You can see if you pre qualify in minutes and it won't impact your credit score. But here's the deal. This isn't a magic bullet. If you refinance your debt but keep swiping, you're just making the problem worse. You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers. Or go to calebhammer.com and remember, you still got to do the work. 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, right? Well, they're going to force you to use it his way. That's not Very personal finances. Rocket Money. They got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollarwise. Built by these people just like you for people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download it now. Start the free trial. Dollarwise.com link in the description below. If you're incapable of doing that sort of conversation, just bringing up a conversation, at least drop it as a nugget, bro. You're incapable of doing anything. How you wake up every day. I don't even know. You're incapable of anything. Are you not hearing that yet? And that's what you want to be with. I am so confused on that. I could never handle that in my life. She can't do anything. Anything.

[Drake]

She did get to retire me for a few months when she got her dead uncle. Check.

[Alexis]

Yeah, I got $122,000 inheritance check to then. Which we like blew in a year

[Caleb Hammer]

and a half months. A year and a half had one.

[Alexis]

No, it was about a six. It was like eight months.

[Caleb Hammer]

What?

[Drake]

A school bus that we picked up.

[Alexis]

He decided to chase his dream.

[Caleb Hammer]

Your dreams. A school bus.

[Drake]

You.

[Alexis]

It was his dream.

[Drake]

It's pretty cool.

[Alexis]

That was not my dream.

[Caleb Hammer]

And.

[Drake]

And we converted it into a mobile home for 120,000. No, no, no. That was only maybe 40,000. She thinks it's 60. I say 30. So we meet in the middle and say it's about 45.

[Caleb Hammer]

What?

[Alexis]

How does that even work?

[Caleb Hammer]

How about you just do the math?

[Drake]

We did. And I said it was only like 35,000 that we spent in t. Feel

[Alexis]

like it was more.

[Drake]

No. Cause we sat down and did the math.

[Caleb Hammer]

I don't care.

[Alexis]

Besides the point. Yeah.

[Caleb Hammer]

Oh my. And where'd the rest of it go?

[Drake]

I did quit working for six months.

[Caleb Hammer]

What? What?

[Drake]

I was building the school. I was building it out. So the plan was.

[Caleb Hammer]

Well, that was your job was building out a school bus. Oh, suck. Oh, you suck equally now, buddy. No one would survive off $120,000.

[Drake]

No. As we learned, it went.

[Caleb Hammer]

Why you thought you would make it to death. $120,000. Then how can you take time off of work? Cuz that just needs to sit there, needs to grow. You just lost millions of dollars. If you put that in the marketplace over the course of your life and compound growth, Millions lost.

[Drake]

Yeah. It's a big regret.

[Caleb Hammer]

And what's. Huh. And what's the situation of the school bus?

[Drake]

Right now? It's parked in our backyard, but it's making us passive income, I guess, because my brother lives in it and I charge him $450 a month to live in it.

[Caleb Hammer]

Why don't you sell it?

[Drake]

I don't want to sell it. I don't care because I want to take trips in it.

[Caleb Hammer]

Wow.

[Drake]

The plan was to travel and live like the van life.

[Caleb Hammer]

Yeah, but how can you. You guys don't make money, and now

[Drake]

you start making money.

[Caleb Hammer]

H Vac. Like you're. That's not a.

[Drake]

It's not easy.

[Caleb Hammer]

Well, no, it's. Exactly.

[Drake]

But I'll have. During the winter, it slows down a little bit. I'll be able to take some nice winter trips and her.

[Alexis]

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[Caleb Hammer]

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[Alexis]

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[Caleb Hammer]

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[Alexis]

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[Caleb Hammer]

That's Indeed.com podcast. Terms and conditions apply. Need a hiring hero. This is a job for Indeed. Sponsored jobs.

[Drake]

She works part time. She can probably get.

[Caleb Hammer]

Except she doesn't.

[Alexis]

Yeah, it's like, mostly full time lately.

[Caleb Hammer]

The. Are you talking about? Dude, sell this shit.

[Drake]

No, I don't want to get the money.

[Caleb Hammer]

Pay off the debt.

[Drake]

No. If I sold it, I would be buying another bus and doing it again. Great process.

[Caleb Hammer]

And the rest of the check just went to literally living because you guys wanted to sit on your ass for smart and drugs.

[Alexis]

Smoked a lot of weed.

[Drake]

We were spending at least $1,000 a week on Bud.

[Caleb Hammer]

$1,000 a week on weed?

[Drake]

Yeah. For like, a solid thing.

[Caleb Hammer]

Yeah. You guys are losers, man. You guys are losers.

[Drake]

When was this was 2023, bro.

[Caleb Hammer]

You guys are like 2021.

[Drake]

2022.

[Caleb Hammer]

Yeah, 2021. You guys are.

[Drake]

Yeah. We weren't the brightest.

[Caleb Hammer]

Did anyone have any advice? Did anyone talk to you guys?

[Drake]

Actually, my dad.

[Alexis]

His dad said it was a great idea. My dad said we were stupid.

[Caleb Hammer]

Yeah, your dad's right. What the fuck is wrong with your dad?

[Drake]

My dad's a hippie as well.

[Caleb Hammer]

Hippie doesn't mean poor.

[Drake]

Yeah, he kind of is.

[Caleb Hammer]

Oh, he Is doesn't mean you have to be and poor though.

[Drake]

Yeah, yeah, yeah. He kind of pushed me into getting the bus. Cause I've always. I've always dreamed about it for a while. I always wanted to do it when I was younger and then you know, we had the money and we were looking at buses talking about it and he kind of pushed us into doing it.

[Alexis]

We get swayed into things relatively easy. I wanted a house and. Or a new car.

[Caleb Hammer]

A house. You want to buy a house.

[Alexis]

That's what I wanted to do with the check. And it was.

[Caleb Hammer]

That would have made sense. At least that's an asset. Relatively.

[Drake]

A bus is an asset too.

[Caleb Hammer]

Sure. If you say at the high end 45,000 of the 120 went to that. So at least with 120 put in a house you couldn't touch it.

[Drake]

Yeah, I mean it's something to live in if we ever are homeless. So it isn't a house.

[Caleb Hammer]

Why would you ever be homeless? How about don't up?

[Drake]

That's the plan.

[Caleb Hammer]

Uh huh. So sell it then. This is so stupid.

[Drake]

Well, it's still an rv. Basically I can use it to travel.

[Caleb Hammer]

Okay. Are you guys ever gonna get joint though so that we both have eyes on the money as a full picture if we're about to enter marriage in June.

[Drake]

I feel like that's an after marriage thing.

[Caleb Hammer]

Maybe, but are you even gonna do joint?

[Drake]

If she can control her spinning a little bit.

[Caleb Hammer]

Well, I wanna get a joint. Well can you control it? I want to, I just never have.

[Alexis]

If the card's not in my purse or not around me, then that the money.

[Caleb Hammer]

So again, you're incapable of doing anything. Someone else would have to do it for you.

[Alexis]

The guy I'm incapable of doing?

[Caleb Hammer]

Why are you marrying a literal child? This is a joke. This is pathetic. Guys, you are not headed in the right direction. She was literally. She's already considering starting an of to start sell her feet that look like children's feet.

[Drake]

We've talked about it.

[Alexis]

Gotta do what you gotta do for

[Caleb Hammer]

a paycheck or just work. Why is get a real job the woman's only excuse in 2026.

[Drake]

I know, right.

[Caleb Hammer]

Is to. Yeah, that's your potential wife.

[Drake]

No, that's why I talked her out of it.

[Alexis]

There was. We never really considered it.

[Caleb Hammer]

Can you talk her out of it? What do you mean you never really considered it? You weren't considering it?

[Alexis]

It was a like last resort. Not.

[Caleb Hammer]

You're about to quit your job and not have a paycheck until training Starts in June. Last resort becomes real quick. Wait, okay, whip them out. Put it on the table. Let's see what we're working with.

[Alexis]

My feet?

[Caleb Hammer]

Yeah.

[Alexis]

For free?

[Caleb Hammer]

Yeah.

[Alexis]

No, my toes aren't done.

[Caleb Hammer]

Do them. Whip them out. See if these are worth payables. Not really a feet guy, but let's find out. Chat. Would you pay for these?

[Alexis]

Don't know. That's weird.

[Drake]

Let us know if it's good money. I mean, we might have to start it.

[Alexis]

Don't look at the bottom of my feet.

[Caleb Hammer]

They just look like feet. I mean, I'm a little confused.

[Alexis]

Small. They look like child's feet.

[Caleb Hammer]

I have tiny people. Even know proportions via picture. Maybe if you put it next to like a banana.

[Alexis]

A weirdo is gonna be a weirdo.

[Caleb Hammer]

A weirdo is going to be a weirdo. They'll ask for you to like piss on your feet. Yes, but I don't know about like. Oh God, if it's for children,

[Alexis]

you know.

[Drake]

Yeah. I always told her I'll pick up some side jobs or do what I have to do before we start doing

[Caleb Hammer]

that because she again, is incapable of anything.

[Alexis]

I can do things.

[Caleb Hammer]

What?

[Alexis]

Whenever.

[Caleb Hammer]

What have you done? What the have you done? Cause in this conversation I haven't heard shit.

[Alexis]

I had $122,000 check.

[Caleb Hammer]

Yeah, your uncle died. That's what you accomplished.

[Alexis]

No. Yikesies. That sounds horrid.

[Caleb Hammer]

That's it, right? Yeah. Spent it. You weren't capable of managing it.

[Alexis]

Very true.

[Caleb Hammer]

I, you know, so what the are you capable of? You said I can do things. Give me an example. You can't even sign up for a course at a community college.

[Alexis]

I've looked into them.

[Caleb Hammer]

She's looked. She googled something.

[Alexis]

I don't know what I like. It goes back to I don't know what I want to do.

[Caleb Hammer]

Okay. Take an assessment, have conversations, look things up, read a book. That's your fault, your problem. Figure it the out. You might not have a perfect situation, but you will at least lean towards something that you would want to do more than something else.

[Drake]

I told her always, if she doesn't know, she could start getting into like scheduling and phone calls and customer service to help me whenever I want to start a business.

[Caleb Hammer]

Oh, for sake. Oh my goodness. This will be the biggest business failure in the history of the world.

[Alexis]

He's already had a business failure.

[Caleb Hammer]

Yes. I'm not surprised. What was it?

[Drake]

I helped a buddy of mine start an H Vac company. It was actually pretty successful.

[Caleb Hammer]

Oh yeah?

[Drake]

Yes.

[Caleb Hammer]

Uh huh.

[Drake]

A year And a half. We hit our million dollar mark.

[Caleb Hammer]

Wow. And.

[Drake]

And his dad was our silent investor who helped us get started. Not very silent. And started pulling a lot of money away from the bank account before it was scheduled to start him receiving his payments.

[Caleb Hammer]

It's probably his money.

[Drake]

That's the way he saw it. But that's the. His money.

[Caleb Hammer]

Was that the way he legally saw it?

[Drake]

No, because legally he wasn't supposed to start getting paid.

[Caleb Hammer]

Did you guys sell him?

[Drake]

That was between him and his dad and I kind of.

[Caleb Hammer]

What. What percentage did you own?

[Drake]

See, and that was the other thing. Right. The talk. I always had 10% of the business. 10% of the business. But whenever I asked.

[Caleb Hammer]

People like you get things on paperwork. I don't get it.

[Drake]

I don't know. And that's where I screwed myself. And I just walked away from it because I did so much for that.

[Caleb Hammer]

Okay, well, you. He got an angel investor. Of how much?

[Drake]

I think he invested 150.

[Caleb Hammer]

Very good. How are you investing? Investing 150 into this business that you're going to take off and bring your wife away to do calls when she's incapable of even doing anything.

[Drake]

You need 150 to start.

[Caleb Hammer]

Sure. But you were able to get to a million dollars. And I bet 150 helped. $150,000 helped you get there.

[Drake]

Does work vans and stuff.

[Caleb Hammer]

Yeah. Things, you know, H Vac. Yeah. That's interesting.

[Drake]

Yep. I mean, I have a lot of.

[Caleb Hammer]

What's business doing today?

[Drake]

Oh, they shut down a week after I left.

[Caleb Hammer]

Yeah. I don't think.

[Drake]

But I. I still retain a few of those contracts from when I was there. Because they weren't in there for him. They were there for me.

[Caleb Hammer]

I just don't understand, guys. How are you getting married in June if we can't have a financial conversation if we don't trust the enjoyment account? Because he's not willing to do a joint account with you because he thinks you'll just spend his money too if you don't even have anything saved going into the wedding. How the is marriage in a couple months even a part of the conversation?

[Alexis]

Hopes and dreams?

[Caleb Hammer]

Nope.

[Drake]

Well, we were technically supposed to get married last year and. And we had nothing saved up.

[Caleb Hammer]

And you have nothing saved up.

[Drake]

Yes, but now we have a venue picked out and set, so. And we've sent some invitations out.

[Caleb Hammer]

Very good. How much does the venue cost?

[Drake]

It only costs 900. It's a really nice venue, but my boss helped me out with it. He knows the.

[Caleb Hammer]

And what about the rest what's the wedding gonna cost?

[Drake]

We're.

[Alexis]

The venue is like 900. I have a wedding invitation.

[Caleb Hammer]

I heard that one. Thanks.

[Drake]

Okay, the rest is gonna cost about 10,000. That's what she says. No.

[Caleb Hammer]

Very good. How much do you guys have?

[Alexis]

None.

[Caleb Hammer]

Nothing.

[Alexis]

Okay, but I was talking. I talked to you.

[Caleb Hammer]

Do you have a wedding invitation for you? How are you gonna feel when Brandon, your wife on the wedding night.

[Drake]

No, that's not happening.

[Caleb Hammer]

It's your biggest fear. We'll make it come true.

[Drake]

Brandon, stay away, buddy.

[Alexis]

We did talk to my dad over the weekend and he is helping us with a portion of it. We just need to get him.

[Caleb Hammer]

Portion? What's a portion?

[Alexis]

We need to get him the numbers of like the vendors and cost.

[Drake]

Very good.

[Caleb Hammer]

Thank you. Yes. You're very excited about this invitation. That's wonderful. Great. I would not come because I'm going to come and nothing's going to be there because you guys aren't paying for this wedding. There's no way you can afford this wedding. I don't know what the you're thinking. If I show up, I will be showing up to nothing. And here we go. I hope you're hungry for nothing.

[Drake]

Not necessarily. We're. We haven't picked anything out, but we're.

[Caleb Hammer]

You don't have money.

[Drake]

Her dad is supposed to help a little bit.

[Caleb Hammer]

Help a little bit. Of the 10, how much is he giving?

[Drake]

He hasn't clarified.

[Alexis]

We have not clarified.

[Caleb Hammer]

So what are we talking about? Why the would I drive an hour and a half?

[Drake]

It's actually in Cibolo, so it might be a little closer than San Antonio.

[Caleb Hammer]

Cibolo? No one's heard of Ciblo.

[Drake]

It's near Seguin, Outskirts of San Antonio.

[Caleb Hammer]

Kind of heard of that city, but I know near New Braunfels, Marcos and New Braunfels.

[Drake]

It's right next to New Braunfels. Yeah, it's in between New Braunfels and Seguin.

[Caleb Hammer]

Okay.

[Alexis]

San Marcos. San Antonio.

[Caleb Hammer]

Very good.

[Drake]

And it's a very beautiful property.

[Caleb Hammer]

That's wonderful. None of this excites me. Cause you won't be there. You can't afford anything.

[Drake]

If I. If I have to, I will be there with just me and her.

[Caleb Hammer]

I'm not gonna show this because that's

[Drake]

the real names my uncle who's supposed to marry us and that's it. And I'll be happy with that.

[Caleb Hammer]

Guys, I just don't even know. I. I just. I don't know. If you cannot have a financial conversation, what's the Point of anything we're doing here?

[Drake]

Learning how to have fun.

[Alexis]

Learning how to have the financial conversation.

[Caleb Hammer]

I'll ride, but you won't even talk. When I try to get you guys to talk about an argument you've had, she just goes, yeah, I shut down.

[Drake]

She does shut down a lot. And that's why it's hard to have those arguments. Cause she'll just.

[Caleb Hammer]

Yeah, well, I heard you shut down the conversations.

[Drake]

I do, too, as well.

[Caleb Hammer]

Okay, so she shuts down. You shut down. So where is there a conversation to even be had?

[Drake]

Hard to hear.

[Caleb Hammer]

What was the last financial argument we've had?

[Drake]

When we pulled up the statements?

[Caleb Hammer]

And what was your rebuttal?

[Alexis]

I thought that I had told him about everything, that I like, all of my debt. I thought I. That's not. That's not my fault. He didn't remember.

[Drake]

I do have a hard time remembering stuff as well.

[Caleb Hammer]

Wow. Oh, my goodness.

[Drake]

I have a lot of conversations. That happens everywhere, so I constantly am remembering a hundred different things from work. And.

[Caleb Hammer]

Okay, so she's right. So you were wrong.

[Drake]

She shuts down as well.

[Caleb Hammer]

Guys, you are not giving me examples. Are you incapable of conversations? I'm literally just trying to understand something in a conversation.

[Alexis]

Like, every time that we try to have the conversation, he. I'll say something, and he'll get, like, a salty attitude and then just walk away. And, like, the conversation never goes.

[Caleb Hammer]

What does it look like? What is said? What's the dynamic? Because she's literally anything. Please, for sake, guys. Why can't you answer this question? I don't.

[Drake]

I kind of told you this pretty much how our conversations goes. She's asking for something. I say no because we're broke because I paid.

[Caleb Hammer]

No, she just said you said something salty. What is that?

[Drake]

That's pretty much it. I'm broke. I just paid a bunch of bills. I can't pay for that shit.

[Alexis]

And then the conversation just never goes further for him. Like, every time we've tried to have, like, a. Have a.

[Caleb Hammer]

Why are you guys still together if you can't even have a conversation? Why has no one considered leaving? Has anyone considered leaving? No.

[Drake]

I have in the past, but that's what pushed her to get a job.

[Caleb Hammer]

So only at the threat of leaving. Do you ever do anything in life?

[Drake]

I didn't threaten to leave or anything. It was just more of like, I need you to step up and be a partner in this relationship, Which I did.

[Alexis]

I stepped up and be partnered.

[Caleb Hammer]

Yeah. So unless someone fully confronts you, you are incapable of doing Anything.

[Alexis]

I have a lot of issues with trying to do things by myself and get things done by myself, which I kind of attribute back to the way that I was raised. And everything was just always done for me, which I need to break that habit of expecting everything to be done for me. And I know that.

[Caleb Hammer]

What do you mean? It's just like, you say the right thing, you just don't do it. So am I confused. I'm confused on how there's any productivity to be had, even you leaving this conversation. And I'm getting a little more insight because thanks to Lindsay, she's actually able to have. She's able to say things, unlike you guys. I don't know what your problem is, but she actually gave me an example. Thank you, Lindsay. Okay, so she asked you to take her on a trip to Las Vegas or New Orleans, and you said shut the up. Just on the phone. And they're like. It's like, what are we doing? Like, if that's how we're having conversations, you're right. Nothing ever will become productive. And when you say shut. I've never told my girlfriend to shut the fuck up in an you, man. I've never. I've never. Just the moment that would happen. No shit, she's gonna shut down. What do you think's gonna happen? She says, shut the up.

[Drake]

Of course it was joking around.

[Caleb Hammer]

Oh, was it?

[Alexis]

It's happened multiple times that sometimes it doesn't necessarily always feel like a joke.

[Drake]

Cope. I don't mean it to be rude. Like, I mean, doesn't matter.

[Caleb Hammer]

She hears it. You're saying that she hears shut the up.

[Drake]

I guess I could be nicer in the way I say things, but she.

[Caleb Hammer]

And you blame her for shutting down after she hears that.

[Drake]

I don't do that.

[Caleb Hammer]

Every guy tells her to shut the up.

[Drake]

I do not do that every time.

[Caleb Hammer]

Not every time. Well, she might expect it going into it.

[Alexis]

I like, I want to have the financial conversations. I want to be more a part of things. It's. He doesn't talk to me about them.

[Caleb Hammer]

What happens? So he just said, shut the upper. That's it.

[Alexis]

He just.

[Caleb Hammer]

And walks away.

[Alexis]

This blah, blah, blah is paid, this bill's paid, that bill's paid. And like, that's the.

[Caleb Hammer]

So why won't you let her in? Why would you.

[Drake]

I let her know every single time she. Something.

[Caleb Hammer]

What? No, no, no, no, no, no, no. She wants to understand more about the financing. You're like, well, I paid this, I paid that. Shut the up.

[Drake]

I do not do that. I.

[Caleb Hammer]

That's what she just said. And you kind of agreed with it, so how are you saying no?

[Drake]

No, I. I tell her every week, and I paid something. I'm like, I'm paying rent this week, and then the next week I'll be paying.

[Caleb Hammer]

Is that what you're asking for?

[Alexis]

No.

[Caleb Hammer]

Exactly. You're answering a question that wasn't answered.

[Drake]

What are you asking for? She's always asking for random stuff, and

[Alexis]

I just ask the stuff after bills are paid. We need to figure out what money is going towards where we need it. Like, we're supposed to be getting married, but we haven't decided anything.

[Drake]

And I. I guess I don't even do that myself.

[Alexis]

So it's like every time that we've had the conversation about, okay, so what do we want to eat? What do you. What bartender? It's. I don't know.

[Caleb Hammer]

I don't know.

[Alexis]

I, like. I can't. I'm not marrying myself. I can't plan a wedding all by myself. There's, like, no, give back to the conversation. And I refuse to make all of the decisions for that by myself, especially whenever I'm not even the one, like, mainly paying for anything. How do I. Like, I don't know how to.

[Caleb Hammer]

Sounds like she resents you for not having any money saved for the wedding.

[Alexis]

I resent not having the conversations about what we need to do in order to save, what to get where we need to go.

[Drake]

I mean, that's been hard when we spend it.

[Caleb Hammer]

All the conversations, asshole. That's what she's asking for.

[Drake]

I'm bad at having conversations, I guess.

[Caleb Hammer]

Yes. I have Learned that in 45 minutes.

[Alexis]

I want to have the conversations. They just.

[Drake]

Okay, we do have those conversations. I just. I'm bad about making, I guess, decisions like that. I really. I don't have an opinion too much. I want the wedding to be.

[Caleb Hammer]

But you don't have an opinion.

[Drake]

I do.

[Caleb Hammer]

What do you mean? You clearly do. You just won't talk, man. And then. And then you accept it as the W. And then she's just sitting there in silence, never having any knowledge of what's happening.

[Drake]

I want her. The wedding to be the way she wants it.

[Caleb Hammer]

It will be getting by.

[Alexis]

Brandon, I'm not marrying myself. I can't make all the decisions.

[Caleb Hammer]

I agree.

[Alexis]

He gives no.

[Caleb Hammer]

Why marry him if he can't have these conversations? Because one of the leading causes for divorce in this country is financial problems. Why are we getting into this, guys, when we both agree, though, on different spectrums that this is not working. I'm not saying you guys don't love each other. I am not saying that I want you guys to break up. But getting into marriage when we literally cannot have these conversations, like, physically impossible, it makes no sense. And this is a couple months away.

[Drake]

And that's why we want to start learning.

[Caleb Hammer]

And to be clear, she does resent you for not saving up money for the wedding and not having those conversations that she wants to have. She might not say it, but she does. And you told Lindsay that you resent her for being grown up, spoiled. There's resent on both sides. There's incapable of communicating, letting things fester. This is gonna boil up into a big explosion someday.

[Drake]

I don't want it to.

[Caleb Hammer]

Oh, very good. You don't want it to, yet you do nothing. What the. What kind of response is that? Asshole. What? What am I supposed. Think. Think for a moment. I just heard you say, well, I don't want it to. What do I do with that? What do you want me to do with that information? I give you this big thing of what is happening. Well, I don't want it to. What do you expect from me? What am I supposed to do with that? But put yourself on the side of the table for a second. What do you expect?

[Drake]

I haven't learned to have those financial conversations. We both learned to. Yeah, I grew up in a family.

[Caleb Hammer]

Why don't you Google how do I have this conversation? Why don't you read a book?

[Drake]

I don't read. I don't do reading.

[Caleb Hammer]

What up?

[Alexis]

I'm Jared.

[Drake]

I'm 19, and I never learned how to read.

[Caleb Hammer]

Well, yes, that is clear. Why don't you. Audiobook books are boring, so you're not willing to learn anything ever.

[Drake]

That is not true.

[Caleb Hammer]

Why not look it up? A YouTube video about marriage and finances, relationships and conversations. Why not advocate for couples therapy? There are so many things to do. You in 2026 no longer get the excuse of. Well, I never learned. You have access to everything. GPT, Grok, Perplexity, Gemini, all of them. Anything and everything you need right there. Claude. I don't talking to someone at work.

[Drake]

I talk to people at work all day long. And I love talking to customers. I could talk to them all day long and sell jobs.

[Caleb Hammer]

Obviously not what I meant. You asking a coworker that you're close to. You know this is going on. What do you think all of his

[Alexis]

co workers are his brothers?

[Drake]

Yeah, my brothers are the ones who work for me.

[Caleb Hammer]

Oh, both of you are. And bitches and just pussies in this relationship. That might be the way you guys make it to the end of life together. Because neither of you have any balls. You'll just be miserable and never financially successful as a couple. You'll be failures and losers for the rest of your lives. Cause no one is willing to stand up.

[Drake]

That's not true. Working hard to have a good career.

[Caleb Hammer]

That doesn't matter if it all goes out the door and we're not able to communicate to prevent that. Dude, I've seen the highest income earners on this show have worse finances than the poorest. And don't forget, I want you to be on the next episode of Financial Law. You can't reason with the sun. Trust us, we've tried. This summer, it's time to put that angry ball of fire on mute. Columbia's Omnishade technology is engineered to protect you from the sun's harsh rays that can burn and damage your skin. The sun is relentless, but so is our gear. Level up your [e-mail] to spend more time outside and less time slathering on aloe lotion. You're welcome, Columbia. Engineered for whatever. So go to calebhammer.com apply or click that link in the description below. You'll have a great time. And I'm going to roast the out of you. That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to 200 in bonus cash right now when you sign up for the checking account that I use. Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. It doesn't matter how much comes in. When you can't deal with this, y' all are going to be miserable. Then you're thinking of bringing a kid into the picture. Now you guys disagree on that? I haven't heard that disagreement, but I know she wants to get bred to death.

[Drake]

I'm not ready to have a kid yet.

[Caleb Hammer]

Well, I know you can barely even stick it in when you're stressed by installing pipes.

[Drake]

H VAC units.

[Caleb Hammer]

Yes.

[Alexis]

We lack communication skills between us.

[Caleb Hammer]

Oh yeah.

[Alexis]

He every time.

[Caleb Hammer]

Oh, that's groundbreaking information.

[Alexis]

Every time we try to have a conversation, he I'll get emotional. I'll start to cry. And then he'll just immediately leave the conversation and like Nothing ever gets resolved.

[Drake]

I do bad with emotions. I, I don't. I, my dad always do bad with everything. Never to bring emotions into arguments. Cause then it throws out the facts.

[Caleb Hammer]

Potentially, yes, into arguments. But does immediately just walking away and never resolving it afterwards fix it either?

[Alexis]

No, the anger just festers and then nothing ever gets resolved. It's like I want to have the conversations. He just thinks that he can't have them with me because I'll cry.

[Caleb Hammer]

Okay, example. Try to have the conversation now.

[Alexis]

I want to know more about the finances and I want to be a part of things. So therefore I know where I can help.

[Drake]

Well, I pay rents 1,100 and that comes out the first week of the month. And then the next week after that I pay all the utilities which is about 5,600ish. And then the week after that is car insurance which is about 400 something. And then car payment the week after that which is 500 something. And that's just kind of how I do it in my head. I don't. There's not much to talk about when that's all it is.

[Caleb Hammer]

Oh, don't talk to me. You guys are having the conversation.

[Drake]

Yeah, I mean where response is.

[Alexis]

Hold on.

[Caleb Hammer]

Okay, I'll jump in. The fact is that example relationship is exactly how you guys described it before. She said I want to be involved in the finances.

[Alexis]

Like I don't.

[Caleb Hammer]

And then you just went down the list of what you pay. How is that, how is that responding to her? That is her knowing. No, she wants to look at the budget, the income, the expenditures. I have a budget.

[Drake]

I literally do it in my head. Just yes.

[Caleb Hammer]

If you guys sit down and build it up together. The answer to her question in worry is not used to saying, well, I pay rent and I pay utilities. What? How is that the answer? Yeah, I've shut down too. How do you respond to that? That's a horrendous answer. That's one of the worst answers I've heard in the show. Did your dad also teach you how to with your responses?

[Drake]

Yes.

[Caleb Hammer]

Guys, what do I think the financial score in this house is? 0 to 10. 0 being the absolute worst, 10 being the best one.

[Drake]

I think. I think I took the store, the score and I was one.

[Caleb Hammer]

Well, you can take that score@caleb hammer.com. see where you stand in the world of finances. Get your Hammer Financial score for free@caleb hammer.com. it's pretty awesome. Thousands of you take it literally daily. It's kind of awesome. And also tens of thousands of you have downloaded and are members of the dollar wise budgeting app. If you don't want to be like a guest who ends up on this show, so make sure you download that, test it out, see if you like it. And when you do, like most people do, you should sign up for the annual version because it saves you 50%. And you get my signed 30 day budget meal plan right here. This one I already signed. This one's for you guys. It is detailed. Your 30 day meal plan. Drinks, snacks, food, all the goodies right in here. It's awesome. I'll mail that to you after I sign it. Then you no longer have an excuse for not being able to meal plan, budget your meals, everything like that. Even count calories. Okay, so that's it. Let's get into these cards. What's happening here? Okay, very good. Why the are we behind on making the capital one quicksilver payment?

[Drake]

That would be her account.

[Caleb Hammer]

What is wrong with you, woman?

[Alexis]

I thought I would pay it off and use it for groceries and.

[Caleb Hammer]

You thought you would?

[Alexis]

Yeah. That didn't.

[Caleb Hammer]

Why didn't it self reflect?

[Alexis]

It's. I would use the money and then something else would come up and then I would never go back to paying it off.

[Caleb Hammer]

It was just like I. I'm trying to get self reflection

[Alexis]

in my brain. If I pay it off, like I make like two $300, $400 a week. Paying it off would take my entire paycheck and then I wouldn't have money for like anything else.

[Drake]

They have monthly payment plans.

[Caleb Hammer]

Why not make the minimum of $65?

[Alexis]

It's supposed to come out. It just. It comes out at the wrong times. And then I'm like, the money's gone.

[Caleb Hammer]

Oh, the aut not come out after the payment is due?

[Alexis]

No, it comes out. Yes. I just. I never have money in my account

[Caleb Hammer]

whenever it needs that said that it bounces it. It gets sent back. Yes. This takes two years to pay off. The limit is $300. But you owe 433. $422.62. But you owe 300. What the are you doing? Yeah, the fact that there's even transactions blows my mind. I don't know how that even happened. No, that must have been. No, no, that was a return payment. Must have been. And then a late fee on top of that. Yeah, yeah, yeah.

[Drake]

That was the card I was talking about that we got in pass through

[Caleb Hammer]

40 return ACH card payment 65. Why don't you have money in your checking account? Huh?

[Alexis]

My entire paycheck pretty much goes to groceries and then I don't really have money. Groceries and gas, that's essentially.

[Caleb Hammer]

That doesn't make sense with the amount of money you said you make. Which I'm not writing down because you're saying you're quitting by the end of next year, by the beginning of next week anyway. So I'm not even taking an account for the household. But even still, groceries and gas, unless you're just literally Filling up like 10 Ford F150s and feeding a house of 10 does not equate to bringing those paychecks to zero every week.

[Drake]

Amazon it brings.

[Alexis]

Not necessarily Amazon. I buy, I go to the gas station.

[Caleb Hammer]

Show me your Amazon.

[Alexis]

Where's my phone?

[Caleb Hammer]

What are you getting at the gas station?

[Alexis]

Red Bull and snacks.

[Caleb Hammer]

Why even the one off? Listen, obviously I advocate for gamer subs because it's much more. Much more. Makes sense financially. It's very good. It's wonderful. And here's the pack version. It is 40 cents a serving. Let me make sure. This one's the hydration caffeine. Okay. This one's the energy drink. Here you go. 40 cents a serving. Using my discount code, Calebamersubs GG or just use my link. You get the free sample, see what flavor you like and then get it. Make your energy drinks at home like you make your coffee at home. It tastes better, like legitimately and because Red Bull's shit anyway. I mean, these are really good. And what this Red Bull is not good.

[Drake]

Red Bull is amazing.

[Caleb Hammer]

Dude, Red Bull's not very good.

[Drake]

I say this is good. This is good, right?

[Caleb Hammer]

Very. Some follow the noise.

[Alexis]

Bloomberg follows the money. Because behind every headline is a bottom line.

[Caleb Hammer]

Whether it's the funds fueling AI or crypto's trillion dollar swings. There's a money side to every story. And when you see the money side, you understand what others miss. Get the money side of the story. Subscribe [e-mail] Pretty good.

[Drake]

But this ain't up there with my favorite Red Bull flavor. Now that one is actually. Is up there with my favorite one, but okay.

[Caleb Hammer]

It must be more of a strawberry guy than peach.

[Drake]

Yeah, but that's okay. I still think Red Bull is Red Bull. Yes.

[Caleb Hammer]

When we did the blind taste test, Red Bull was barely. It wasn't even close.

[Drake]

Which Red Bull are y' all trying? Just the Red Bull. Just the original?

[Caleb Hammer]

Yes. Red Bull.

[Drake]

Okay. See the original.

[Caleb Hammer]

So use that. Type in code. Kale use. This is your 40 cents a serving. You're making it at home. You're not stopping at the gas station. But even if you do have to do Red Bull, which I really don't understand, why buy them in bulk instead of single use?

[Alexis]

I've started doing that by Amazon. The last couple purchases, only one of these was me. The rest of them were him and his brother.

[Caleb Hammer]

What was you?

[Drake]

Show me.

[Alexis]

Oops. Not clicking buttons. The one that was me.

[Drake]

We all do share an Amazon account.

[Caleb Hammer]

You're talking around your mic. Okay.

[Alexis]

Why are you doing the nails?

[Caleb Hammer]

Shit, your nails aren't even paint and they're cut.

[Alexis]

Yeah.

[Caleb Hammer]

So what the. What are you doing?

[Alexis]

I've been like slowly teaching myself how to do it.

[Caleb Hammer]

So how are you saying it's all Amazon that drains her account?

[Drake]

Amazon and random other bullshit that she spends on.

[Alexis]

And then yeah all of the other stuff was.

[Caleb Hammer]

What games?

[Alexis]

His Christmas.

[Caleb Hammer]

Would you buy any games?

[Drake]

She spends a lot of money on her phone games or phone games.

[Alexis]

Sometimes I stuck really bad in my game and huh. Yeah.

[Drake]

She pays her way through games.

[Caleb Hammer]

No. Why?

[Alexis]

Because I just get stuck on a level. I'm really bad about that if I get stuck on a level.

[Caleb Hammer]

What game?

[Drake]

Oh she has like three or four games. She spends what you spent a thousand

[Caleb Hammer]

dollars in two weeks on Sims?

[Alexis]

I did do that.

[Caleb Hammer]

Hold on. What's even purchasable in Sims anymore? Besides the dlc. But you do that once dlc that's

[Alexis]

not a thousand and multiple packs.

[Drake]

She gets all the different types of packs there.

[Alexis]

I like Rage Bought. Pretty much almost Rage bought. I was.

[Caleb Hammer]

What do you rage?

[Alexis]

He made me mad. And so then I was like what?

[Caleb Hammer]

What?

[Alexis]

I don't even remember what it was about. Try probably something with his game. And what.

[Caleb Hammer]

What about his game would make you angry? For you to go spend a thousand

[Drake]

dollars on ten dollars on a. The my game for Skin or something. That's it.

[Caleb Hammer]

And then you got upset at him spending money on a game so he spent a thousand on Sims.

[Alexis]

I don't think that's what it was. There was. It had to be like there was more to it. We were arguing about this.

[Drake]

Probably her asking for something and I said no to that. And I was then bought the $10 in the game and she was upset

[Caleb Hammer]

and then what are these mobile games that you're just buying the in Bullshit.

[Alexis]

Buying coins,

[Caleb Hammer]

gems and coins and oh my kids.

[Drake]

Candy Crush. Monopoly.

[Caleb Hammer]

No you are not.

[Alexis]

Candy Crush isn't even downloaded. Downloaded? I haven't played that in a while. Color Block Jam, Monopoly Go and Fallout Shelter.

[Caleb Hammer]

Oh, sake. Oh my goodness. The chokehold. Those things Have.

[Alexis]

It's so bad.

[Caleb Hammer]

Yeah. That you are doing. Stop.

[Alexis]

I think what also makes that worse.

[Caleb Hammer]

They can't take accountability for anything. They've had two lay fees this year on this card. Which by the way was only two months of statements. So every month this year so far. You are late on.

[Alexis]

Yes. That's been late for a while.

[Caleb Hammer]

Anyone to bring a kid into this?

[Alexis]

Not now.

[Caleb Hammer]

Really?

[Alexis]

I want to wait till we're after. Like I want to get married first and then kid.

[Caleb Hammer]

Great. Okay. So a kid in a couple months. Shut the up. Okay. Answer me this. You know. I love to ask it. Okay. I know your sex lives are rough right now. But when they're not. He sticks it in. Right? Yes. Does he stick it in without a condom?

[Alexis]

I'm on birth control.

[Caleb Hammer]

Thank goodness. What kind?

[Alexis]

The thingy in my arm.

[Caleb Hammer]

Good. That's the best kind. Well done. That's the first time I can clap for protection on this show.

[Drake]

That is one thing I am big on is protection in some type of way. Either it be a condom or.

[Alexis]

We have never used a condom. A gentleman.

[Drake]

She's had the thing in her arm. Yes.

[Caleb Hammer]

Wait. Aren't he. And that's there.

[Drake]

Yeah.

[Caleb Hammer]

So well done.

[Alexis]

Twinkie for life.

[Caleb Hammer]

Might be why you're.

[Alexis]

But potentially.

[Caleb Hammer]

I don't know.

[Drake]

It's actually expired.

[Alexis]

It is expired. I need to go to the doctor.

[Drake]

But in other countries it's lasted up to five years.

[Alexis]

In other. Yeah, in other countries.

[Caleb Hammer]

Take back my applause. How does this happen in every financial audit episode? That's why every intelligent person in this country is no longer having children when they need to be the ones having children. And it is literally the white trash or ghetto or. Or poor mother that are breeding. And you guys will be reading. I don't care. You're busting raw loads in her on expired birth control.

[Drake]

It's been working still.

[Caleb Hammer]

Or you just haven't hit that window.

[Drake]

So it's FDA approved in America for three years. But other countries it's FDA approved for five years.

[Caleb Hammer]

Yes. It might mean the 99% protection might be 95 now. You want that risk.

[Drake]

That's still better than it is better.

[Caleb Hammer]

But you want that risk. You want to bring a kid into this when she can't stop buying gems. You can't even have a conversation. You think you'll ever talk to your kid? Your kid will have a issue. And you. You'll never be disciplined. He'll never be disciplined. No, he won't. You can't stand up for yourself whatsoever.

[Drake]

I don't do sports.

[Caleb Hammer]

You can't do anything. Yes, you will. Yes, you will. You do here. What are you talking about? That's literally all you do. Your life. That's why the first thing you said when you walked into this building, for some reason, which blows my mind and has never happened before, some. Please make sure nobody my girlfriend.

[Drake]

No.

[Caleb Hammer]

Why that would happen, I don't know. But even still, I don't think it was on anyone's mind until you said it.

[Drake]

No, no. I told Brandon to watch himself.

[Caleb Hammer]

Because now, right afterwards, green room. Choo choo. And you're not invited.

[Drake]

You wish.

[Caleb Hammer]

Oh, God, like she'd turn down anyone here.

[Alexis]

Listen, I am happily in a relationship.

[Caleb Hammer]

I'm sure you are. And they always are.

[Alexis]

God dang. I need to go to the restroom.

[Caleb Hammer]

Pregnant pee a lot.

[Drake]

Hey, chill out. Chill out.

[Alexis]

You are so funny.

[Drake]

She actually. We did actually have a scare a few months ago.

[Caleb Hammer]

Yeah, shocker to nobody. Okay, I'm gonna stretch my legs too then. Cause I don't need to have a private conversation with you.

[Alexis]

Y' all have really nice toilet paper. Y' all got the expensive toilet paper.

[Caleb Hammer]

Oh, I'm gonna keep it low. Like, close here on that side. We are filming better. Oh, we are live. Oh, yeah, that was in the video. Shout out to Mark.

[Drake]

Thanks, Mark.

[Alexis]

Okay, thank you, Mark.

[Caleb Hammer]

But let's talk about the Quicksilver. Second Quicksilver. There's two Quicksilvers. Supposed to be your Quicksilver. Or do you have two?

[Alexis]

He has one. I have one.

[Caleb Hammer]

Okay. The cap one.

[Drake]

Yes, yes.

[Caleb Hammer]

The Quicksilver Drake.

[Drake]

I. I brought some packs if you want to rip some Magic packs with me.

[Caleb Hammer]

Oh, thank you. Someone else already did that. I don't give a.

[Drake]

It's not Pokemon. Pokemon's for children. It's Magic the Gathering.

[Caleb Hammer]

I'm further from that than I've even been to Pokemon, and I'm not even close to Pokemon. How much are you spending on Magic the Gathering? The guy that got angry at his fiance for spending too much money. I mean, you spent $250 on this card, which was accruing. So how much you spend it on Magic the Gathering? Rip a pack. Rip a pack. Asshole. Rip a pack.

[Drake]

All right.

[Caleb Hammer]

How much are you spending on this? What's the question that I asked that you will answer now?

[Drake]

It depends. I mean.

[Caleb Hammer]

Oh, my goodness. You try to answer.

[Drake]

200amonth.

[Caleb Hammer]

Pause. This guy. Have you ever seen him have a conversation with someone before? Can he do it? Is he able to hold a conversation with a human being? Yeah, I don't know, man. I really don't think so. Rip. 200 bucks a month. You're bitching and moaning over here.

[Drake]

That's not bad.

[Caleb Hammer]

That's a. It could be a low car payment, I guess.

[Drake]

My car payment is 500.

[Caleb Hammer]

Well, yeah, you have a normal car payment.

[Drake]

Hey, I got some good stuff in this, actually.

[Caleb Hammer]

Wow. Somehow you made it even less interesting than the previous card rip that someone did on the show. Good, man.

[Drake]

See that? That's worth some money right there.

[Caleb Hammer]

Okay, I got a Teenage Mutant Ninja Turtle.

[Drake]

Yeah, it's from the new set that just dropped. The Teenage Mutant Ninja Turtle set. So. Childhood memories. I had to get the pack, you know, and then I may or may not have bought the Commander set.

[Alexis]

Yeah.

[Drake]

As well.

[Caleb Hammer]

Well, did you or did you not?

[Alexis]

He did.

[Caleb Hammer]

Okay.

[Alexis]

On the way here.

[Caleb Hammer]

What the Are you spending on a car that you cannot pay? Oh, Animal Center. Animal Cancer Center.

[Drake]

Yes.

[Alexis]

Our dog had double ball cancer.

[Caleb Hammer]

Had.

[Alexis]

Yes. He's doing great now.

[Caleb Hammer]

Oh, he's alive. Very good. Okay.

[Alexis]

Yes, we're good.

[Caleb Hammer]

So we just chopped off the balls.

[Drake]

Pretty much.

[Caleb Hammer]

That's good. Why do you not have pet insurance?

[Alexis]

He's older, and it was a very interesting condition.

[Caleb Hammer]

You're convinced that your friend caused the cancer?

[Drake]

That's what she thinks. She's.

[Alexis]

I am mildly convinced of this because he would flick him in the balls. And then a couple months after that, we noticed that one ball just started to look a little different, and couple months later, come to find out that he had a tumor on his ball sack. So I mildly convinced you.

[Caleb Hammer]

I think you guys are just a little. Cause here's the thing. Potentially even just how your relationship started. Even just how your relationship started. You were dating out. You were dating with someone. You broke up with your friend because of Drake. Actually, you broke up with your friend because of Drake.

[Alexis]

No, not necessarily. Yes, your friend it was.

[Caleb Hammer]

And you and your friend had a huge falling out because of your relationship with Drake.

[Alexis]

It wasn't necessarily like our relationship was a part of it, but she was. Yeah. Her cousin was dating his younger brother, and then they broke up.

[Caleb Hammer]

I don't think that's the issue, though. I think the issue is that your friend thought Drake was toxic and controlling. Like, I'm glad you're bringing up that

[Alexis]

other thing, but I don't see how he is.

[Caleb Hammer]

Sure. But your friend did, and that was the fight. So it doesn't matter about the cousin thing. I don't care about that.

[Drake]

Her friend's dad was also a p. So.

[Caleb Hammer]

Oh, very Good. Why are you. Oh, my gosh. You guys seriously suck at this so much. I don't know how. I do not know how you are bad at this. The conversation that happened, the big fight you had with your friend was on how he was toxic. And then you guys, like, you hear that and you're like, well, his dad was also a piece of shit. Well, also, he dated a guy. I don't care. I'm focusing on the thing I am talking about. Your friend stood up to you because of him, and you guys had a

[Drake]

falling out because of that and other stuff.

[Caleb Hammer]

Oh, my.

[Drake]

Not just me, but yes, someone else.

[Caleb Hammer]

Want to finish this conversation. They can't do this. Oh, they can't. Oh, they are so bad at this. Oh, sake.

[Drake]

Not too bad.

[Caleb Hammer]

Is anyone gonna tell me about that conversation or do we just wanna talk about something else?

[Drake]

I don't know really how the conversation went. That was between her and.

[Alexis]

I don't understand. Like, I don't know.

[Caleb Hammer]

You just keep saying yes instead of answering.

[Alexis]

We. There was. She said that he was manipulative and toxic. And I. Oh, I. Oh, very good.

[Caleb Hammer]

You're doing it now.

[Alexis]

Why do you say that? And from her perspective, she says that he controls everything that I do. And I don't see that.

[Caleb Hammer]

Oh, this is very good. I'm surprised I had to take minutes to try to get that from you. Is that not worth something? The fact that you had to break up with your friend because they had a perspective that the guy you're with was maybe not good for you.

[Alexis]

I don't trust her judgment.

[Caleb Hammer]

Why?

[Alexis]

She's in the same relationship with the dude that's done the same exact shit to her.

[Caleb Hammer]

Maybe that's why she can see it.

[Alexis]

But if she can see it, then why is she still with that guy?

[Caleb Hammer]

Is she still. Today?

[Alexis]

Yes. They actually just got an apartment together.

[Caleb Hammer]

Better than you guys. You guys moved in immediately when you never even lived on your own. You know, nothing but co. Dependence.

[Alexis]

Yeah.

[Caleb Hammer]

Which is a quick and easy situation to fall into something that is manipulative. It's a rough saying of that word.

[Alexis]

And controlling my perspective. And the previous year, like, so far in our relationship, I don't see it as, like, I don't feel like there's manipulation or like, I don't. I understand where she was coming from, but at the same time, I don't.

[Drake]

It's because I wanted her to get a job. That's probably what it was.

[Caleb Hammer]

That's the only probably what it is.

[Drake]

That's the only I really don't care what she does. She can do whatever she wants. I'm not really controlling. As long as you know, I need help with rent sometimes.

[Caleb Hammer]

No.

[Alexis]

Whenever I go down to the Houston

[Caleb Hammer]

area, no one has ever sent something as bad as. What the is this, guys?

[Alexis]

What is that?

[Caleb Hammer]

It's like I've never had glasses or something.

[Drake]

I don't know.

[Caleb Hammer]

What am I looking at?

[Drake]

That's. I guess the screenshots.

[Alexis]

Screenshot from a video?

[Drake]

Yeah, a screen recording of our credit. Karma.

[Alexis]

There was something that wasn't able to.

[Drake]

I made it into a PDF and I could see it on my end just fine.

[Caleb Hammer]

You look like a PDF. 400.

[Drake]

What is that even supposed to mean?

[Caleb Hammer]

$413 needs attention. National Credit Systems. Collections.

[Drake]

Yes.

[Alexis]

Yes.

[Caleb Hammer]

For who?

[Alexis]

That one's on both of ours.

[Drake]

That's for the apartment you both allowed.

[Caleb Hammer]

Why'd you allow Apartment to go to Collections?

[Drake]

Because I already paid them their money.

[Caleb Hammer]

I doesn't look like it.

[Drake]

No. We moved out and they called me a few weeks later saying I owed $700 in damages. Yeah, and I owned up to it because I did. We did have puppies at the time, kind of destroyed. So I brought in $700 cash to the apartment complex.

[Caleb Hammer]

Did you say cash worked?

[Drake]

Yeah, and I gave it to them. I thought all was good. And then a few months later, I got a letter in the mail saying I still owed 400 something dollars.

[Caleb Hammer]

Well, not. Why not? Pay it. So your credit's not. Listen, I don't. I don't like it. I do not like it. I agree, but your credit is not. It's your credit. Like I care about that more.

[Drake]

I didn't realize it was going to go to my credit until I already went to my credit.

[Caleb Hammer]

Okay, well, why not just still kill it? So, as many of you know, I've been a big supporter of Course Careers for a long time. I'm not just a partner. I actually own stock. And I'm an investor. So why did I partner with Course Careers? Because I truly believe in what they're doing. A lot of people have questions about online certifications versus traditional college degrees. Let me be clear. I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan debt. Course Careers offers a practical, affordable way to launch a career in a high demand field like tech, sales, IT and accounting, where companies are hiring based on the skills needed, not broad college degrees. In fact, right now, one in Three companies are dropping degree requirements and that number is only going to continue to grow. I know some people think online programs are quick fix, but that's not the case here. Coursecareers takes effort and commitment, but they provide you with a streamlined, proven path. They offer up to date self paced courses, one on one or group coaching from people that work in the industry. And most importantly, they help you actually get hired. Just look at graduates like Nemeso who went from driving FedEx trucks to a cybersecurity job at Disney. That didn't happen by chance. He put in the work and course careers guided him every step of the way. And what truly sets course careers apart is that it's not just about learning skills, about landing a job. Their curriculum is designed based on what employers actually need. And their network of industry coaches will guide you through the entire process from learning the skills to interviewing, resume help and beyond. So if you're serious about starting a new career without wasting years or piling up debt, give course careers a try. Start with their free intro course linked in the description to explore your options and when you're ready, use the link in the description for $50 off the full course. Your future starts right now and coursecareers is here to help you shape it. It Starbucks is bull and a waste of money and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show Fat and Fatter. The number one ranked energy drink is gaming sauce.

[Drake]

Literally the cherry flavor is. Is insane.

[Caleb Hammer]

Listen, you can also get free samples to see if you like it. Or 10 off your order at GamersUps GG or click that link in the description below. Type in code. Caleb, that's two months of magic.

[Drake]

The gathering on your friend said if I wait long enough, they'll send me a deal for a lot cheaper.

[Caleb Hammer]

No, not necessarily. Well actually, no, I. I wouldn't necessarily say that. Usually it's gonna have to be you reaching out and negotiating, but even so. This is $413. I don't even know how much effort they're going to work on.

[Drake]

I feel like I shouldn't have to even pay that. $413.

[Caleb Hammer]

Agreed. I am on your side. Is that the argument we're having? No, but your credit is.

[Drake]

Yeah, it's been getting a lot.

[Caleb Hammer]

Uh huh. So un. She's saying she wanted to get a house. If you still want to get a house at some point. Marriage, kids, who knows?

[Drake]

We do.

[Caleb Hammer]

Certainly that birth control is not helping right now. The fact is, not with this.

[Alexis]

That would look bad.

[Drake]

I mean, that's the smallest one. I'll worry about that one last.

[Caleb Hammer]

Or it's the easiest to get off. So fix it first, moron. Oh, my goodness.

[Drake]

But then I have to have. I don't have 413 just laying around for it.

[Caleb Hammer]

If you do two months of not doing magic, the gathering you actually do.

[Drake]

But then I'll spend it on something else. Cause I'll save.

[Caleb Hammer]

Okay, don't spend it on putting it in a savings account where it goes to this immediately.

[Drake]

I'll try to do that. Maybe William.

[Caleb Hammer]

Let's find out. National Credit Systems, 1973. What's this for?

[Drake]

If this is still all of mine, I believe that's yours.

[Alexis]

That's not mine.

[Drake]

Yeah, that's gonna be for my. My appendix surgery. I think I went into this.

[Caleb Hammer]

Why did you get it on a payment plan?

[Alexis]

He didn't have insurance.

[Drake]

I didn't have insurance or anything.

[Caleb Hammer]

No. Why didn't you get on a payment plan for the 1973?

[Drake]

Hospitals pay medical bills. They'll drop off in a few years.

[Caleb Hammer]

Okay, you guys just received the worst advice from, like, everyone. This is so stupid. That's so stupid, man. Is your family doing well?

[Drake]

Not necessarily.

[Caleb Hammer]

Why are we listening to them?

[Drake]

Because I didn't want to have to pay that right then and there.

[Caleb Hammer]

I wouldn't want to pay it either. Do we do what we want always in life? No. I mean, you wanted to blow 120,000 hours sitting on your ass and smoking weed. Was that good? No. Should we do what we want? You guys will be losers for the rest of your lives.

[Drake]

Nah, I don't believe that.

[Caleb Hammer]

I do listen to your answers now, Liz. Well, and lack of throughout this conversation. You guys cannot do anything in this world. You're incapable. You are basically mentally 15, 14, 13.

[Drake]

I wouldn't say that. That I do.

[Caleb Hammer]

I would say that actually. No, I don't care what you would say.

[Drake]

I feel like.

[Caleb Hammer]

I really don't. You are not. You are not someone that has any worthy opinion on any of this. Look at where you are now.

[Drake]

I mean, when it comes.

[Caleb Hammer]

Actually, your opinion is worth a negative. Your opinion is in collections. I don't give a what you think.

[Drake]

When it comes to money, sure, I guess. When it comes to finances, believe it

[Caleb Hammer]

or not, when it comes to money and finances, that's what we're talking about.

[Drake]

I'll be a loser as far as life. I'll have a nice job, I'll start

[Caleb Hammer]

a company and it doesn't matter 10

[Drake]

years when I have a nice million dollar company.

[Caleb Hammer]

Yeah, million dollar company that was able to be accomplished because of $150,000 investment.

[Drake]

Nope.

[Caleb Hammer]

Yes, it was.

[Drake]

All right. You're talking about the last company.

[Caleb Hammer]

Yeah, the one that actually hit that number. Yes, yeah.

[Drake]

Hit that number because I was there.

[Caleb Hammer]

So is every former employee.

[Drake]

Okay. I mean, that's why they had to close down a week after I quit.

[Caleb Hammer]

Everyone, including myself, thinks we're worth more than we actually are. And we actually have less of an impact when we're gone than we think.

[Drake]

I mean, they couldn't literally couldn't run it without me there.

[Caleb Hammer]

There was probably more happening. Come on. Looks like there was a lot of financial issues with dad taking the money from the account.

[Drake]

We found out he was taking money from the company account to go start another company.

[Caleb Hammer]

Well, there you go. I don't think it was you, guy. That is a former employee who thinks he delivered more value than he actually did. Like every former employee in the history of every company in the history of humanity.

[Drake]

I literally scheduled everything.

[Caleb Hammer]

Oh, wow, that's hard. Oh wow, that's difficult.

[Drake]

I did everything for that company.

[Caleb Hammer]

Uh huh. Yeah. That's hiring another H Vac person. If it's a real million dollar company. Buddy, you're not that guy. You're fine. You're a good worker.

[Drake]

I am that guy.

[Caleb Hammer]

No, you're a good worker. That doesn't mean you are the bread and butter in the sauce.

[Drake]

I wouldn't say I'm the best, but I'm. I'm good at what I do at H Vac and plumbing and dealing with customers and scheduling and.

[Caleb Hammer]

Okay, those last two things are very easy. I do them now.

[Drake]

Yeah, Contracts. I love closing the big contracts, you know, and getting closing contracts. Yeah. You know, like new homes or apartment complexes that they're building up. Like, we do a lot of work out here in Austin, San Antonio, Houston.

[Caleb Hammer]

We. The business you work for.

[Drake]

Yes, the current business. We work for chat chat.

[Caleb Hammer]

Save me from this one. Okay. Who owes 949 in collections.

[Drake]

I believe that is also mine.

[Caleb Hammer]

Oh, seems like you're actually the horrible one.

[Drake]

That one is also for the appendix. I think that was the appointments afterwards payment plan.

[Caleb Hammer]

Okay. Midland Credit Management, 2079.

[Alexis]

That one's mine.

[Caleb Hammer]

Very good. We're back to Alexis being bad.

[Alexis]

What is, is it after the Dog fight.

[Drake]

I.

[Alexis]

Both of my hands were covered in like, really, really bad payment plans. Guys, I. Laser treatment payment plans, man.

[Caleb Hammer]

I'm not saying. Listen, I don't even. Like our health insurance system's up. Don't get me wrong. I'm not even defending it, but just. I don't understand why you want to. Your credit. You just allow it.

[Drake]

I feel like they never gave me the option for payment plans. At least when I went in for the hospital and shit. They were just like, it's going to be $2,000 unless you have insurance. And I was like, I don't got insurance.

[Caleb Hammer]

Can I get on a payment plan?

[Alexis]

I have a question regarding that because it's through CareCredit.

[Caleb Hammer]

Well, this. You paid around a credit card. So the credit card went to collection. You're not going to get on a payment plan for the credit card. You actually already had one. It was called minimum payments. You should have done that.

[Drake]

That's.

[Caleb Hammer]

That. You didn't. This one's even worse because you're just a moron.

[Alexis]

How do I go about. Like, I'm not able to get into that account to be able to pay anything. Like, how do I.

[Caleb Hammer]

It's because Midland Credit Management owns this debt now. You have to contact them.

[Alexis]

Okay. Okay. I wasn't sure how that worked.

[Drake]

See, I'm not even sure how to pay some of that stuff off.

[Caleb Hammer]

You guys have never tried to look anything up in your lives.

[Alexis]

I've tried to get into the CareCredit account.

[Caleb Hammer]

You guys have phones? Do you guys have a computer? A tablet? Do you guys have the Internet?

[Drake]

Yes.

[Caleb Hammer]

In San Antonio.

[Drake]

I know, it's like, I'm not very tech savvy, though.

[Caleb Hammer]

Yes. Googling is very tech savvy. I know. Since San Antonio was like 25 years behind every other Texas city, but I. You guys can use Google, Yahoo.

[Drake]

Who uses Yahoo anymore?

[Caleb Hammer]

That was the point and kind of the joke. Not very good one that I was making. I'm. Who's. Why, why. Why are we late on our insurance? Some insurance.

[Drake]

I don't even know what insurance of insurance puts you in.

[Caleb Hammer]

Oh, that's wonderful. Why and what insurance.

[Drake]

Well, that was.

[Caleb Hammer]

Was.

[Drake]

That's our car insurance.

[Caleb Hammer]

Losers for the rest of your lives. And there's going to be a kid brought into the picture. Always happens.

[Drake]

Our dog was going through the surgery and that was all expensive and so I.

[Caleb Hammer]

She wasn't to put it on a credit card.

[Alexis]

No, no.

[Caleb Hammer]

How much was the surgery after everything?

[Alexis]

Around 5K.

[Drake]

Between imaging. Everything. I couldn't. We couldn't get pet insurance because after he was diagnosed, they won't take him.

[Caleb Hammer]

Well, yes, that's I'm advocating for, obviously. Yeah, you don't get, hey, I need car insurance. I just got in a car crash.

[Drake]

He's also too. He's older.

[Caleb Hammer]

Well, that's gonna make it hard, but that's why you should have had it before. I'm sorry.

[Drake]

This really wasn't a thing until, like, he was already seven or eight.

[Caleb Hammer]

When was he seven or eight?

[Drake]

Like, he's two, three years ago.

[Caleb Hammer]

Okay. Lies.

[Drake]

I've never really heard about pet insurance.

[Caleb Hammer]

You've never heard of anything. Neither of you have ever heard of anything. You can't do anything. I've had pet insurance for almost seven years.

[Drake]

I don't even got insurance on myself.

[Caleb Hammer]

Well, you're. You're broken. Do not have children. And hopefully that allows natural selection to take care of itself. T Mobile. We're unpaid 434.

[Drake]

That's the same thing. I had a.

[Caleb Hammer]

Do you do Helium Mobile? It's the same towers as T Mobile. I can't. Why?

[Drake]

I have everybody on my phone plan. My whole family.

[Caleb Hammer]

Stop.

[Drake]

You are an adult.

[Caleb Hammer]

You are on your own. I don't give a about them. I mean, I do a little bit.

[Drake]

A lot of them are my little brothers too.

[Caleb Hammer]

I also do not care. Your parents can be parents.

[Drake]

Well, that is the thing. My dad used to pay for their phone bill and have it on theirs, but then he would forget to pay. So everybody's phone.

[Caleb Hammer]

This is not your responsibility. You can't take care of your own bills. You can't take care of your own bills.

[Drake]

I still pay them. They may be late.

[Caleb Hammer]

I never don't know.

[Drake]

I never said I was on time.

[Caleb Hammer]

No, no, no, no, no, no, no. You're. You're multiple months behind in a lot of things. Get off. Switch to helium. Shut the. And you use the mine card used previously. The Fizzcard debit card that builds credit. Can't spend more than what's in your checking account. It's all what you people can handle. You can't do anything else. You guys are failures. Failures at conversations. Life and finances.

[Drake]

Finances, sure.

[Caleb Hammer]

Everything else, yes.

[Drake]

I wouldn't say. Especially conversations when it comes to finances.

[Caleb Hammer]

Sure, buddy. I try to talk about a lot of different things here. You could not do that.

[Drake]

Revolving around finances.

[Caleb Hammer]

No. Revolving around. I was just trying to get an example of a conversation you guys have had and it required Lindsay telling me. You guys can't talk. We talk all the time, but you just Say nothing.

[Drake]

Yeah, listen.

[Caleb Hammer]

When is I got a gas? When is I got vaping and smoking? So you buy from your own store Sometimes. Loser. Bought from your own store. Loser. Text bass. I don't even know what that is.

[Alexis]

Gas station.

[Caleb Hammer]

Okay, well you went and got some bullshit. Cause that ain't gas.

[Alexis]

Most likely a rat.

[Drake]

Is that your cash app or mine?

[Alexis]

That was way too many transactions to be mine.

[Drake]

But that's her. With my card of cash. My cash app card.

[Alexis]

The gas station ones. That would be me.

[Caleb Hammer]

How are we even having unprotected sex with birth control? That is broken when you do not have health insurance for yourself. Like it's so irresponsible. And also, why do you not even have health insurance? Get just the critical coverage one that is like the cheapest there is.

[Drake]

Well, because I had it.

[Caleb Hammer]

That'll prevent bankruptcy.

[Drake]

And then my mom took me off of it right before the appendix thing actually. So it kind of sucks.

[Caleb Hammer]

Doesn't matter. You'd be taken off in a couple years regardless.

[Drake]

And then I had it again with a different company and I left that company.

[Caleb Hammer]

That's wonderful. I asked why do you not have it now?

[Drake]

I just. Because I never set it up. I don't know.

[Caleb Hammer]

Because you guys are in capable of

[Drake]

waiting for my employer to be able to offer it so it's cheaper on me. Will they Eventually.

[Alexis]

When?

[Drake]

Right. We just started the service side, so there's only three texts right now. So he's waiting to.

[Caleb Hammer]

You guys are capable of everything.

[Drake]

Okay, this Ryan Reynolds here from Mint Mobile with a message for everyone paying big wireless way too much. Please, for the love of everything good in this world, stop with Mint. You can get premium wireless for just $15 a month. Of course, if you enjoy overpaying. No judgments. But that's weird. Okay, one judgment. Anyway, give it a try. @mintmobile.com Switch upfront payment of $45 for

[Alexis]

3 month plan equivalent to $15 per month required intro rate first 3 months only. Then full price plan options available, taxes and fees extra. See full [e-mail] must be a car.

[Caleb Hammer]

$8,547.73 and a 13% interest rate. Whose car?

[Drake]

Ours. But she drives it mostly.

[Caleb Hammer]

What is it?

[Alexis]

Honda CRV 2018. 2018.

[Caleb Hammer]

13% interest rate.

[Drake]

Why I didn't even know what interest rates were until.

[Caleb Hammer]

Because we don't know anything. Because we can't google shit. Because you guys are incapable of literally living. I don't know how you made it here. I've never heard of roads. I'VE never heard of gas. I've never heard of putting in an address into a GPS system. It's worth surprisingly 10,000. So you guys actually have an equity position of a about a 1500.

[Drake]

I wouldn't know about that. It's a little beat.

[Caleb Hammer]

You wouldn't know about anything. You don't have to say that anymore. I'm assuming that for every topic in the history of everything. Okay, you don't have to tell me. You're gonna drop your kid on its head and you're like, I had no idea that that would be bad. I don't understand. I don't understand. I don't understand. Like, what the. You're the guy, that's the girl. Says, I had no idea. I couldn't do it without asking. It's like, why you can't do anything?

[Drake]

I would never do that. And I could do it.

[Caleb Hammer]

Would you even know if you did?

[Drake]

Yeah, I think I would know.

[Caleb Hammer]

I don't think so. I don't think so. I don't even know. I had to wear a condom. Didn't even know vaginas is where the babies come from. I didn't even know. You don't know anything.

[Drake]

I know a lot. Maybe just not when it comes to my finances, buddy.

[Caleb Hammer]

You know, H vac and that's it.

[Drake]

And plumbing and carpentry and a little bit of electrical and trade work. I could build. I could build you a house.

[Caleb Hammer]

No, I would never trust you to build me a house. That is the last thing I would ever do allow in my life.

[Drake]

496,091 than the houses that go up around here.

[Caleb Hammer]

But not nicer than the houses I own. $496.91 is your minimum monthly payment.

[Alexis]

Yes.

[Caleb Hammer]

Checking account. Who has USAA?

[Drake]

Me.

[Caleb Hammer]

Okay. 1,300 in there. Not horrendous. 25 Zelda. That was probably got some Apple cash money sent. 140. 464. Must have been your deposit. When inside got some. When is I got some. When inside got some. When is I got some $10 sent out. When did I say got some? 21 went out. Cash app. What are we doing with all this?

[Drake]

My brothers or will like transfer money to each other if like. Like we're at a store or they'll be on job site and they'll be like, can you give me some drinks or food or something? And so. Oh, vice versa.

[Caleb Hammer]

I'll ask Pter's burger stand, Groupon. $56. When it's. I got some Las Papas Zel. 80 bucks. San Antonio Zoo. Cash app. Cash app. Cash app. 170 there. Cash app. 150 there. Storage. You paying for storage?

[Drake]

Am I.

[Caleb Hammer]

Yes.

[Drake]

What Storage.

[Caleb Hammer]

My postal.

[Drake]

Oh, that's for my. That's for my. My company. I guess. I have a DBA and I have to have a. Like a mailbox for it.

[Caleb Hammer]

Why not your house?

[Drake]

Why use my house?

[Caleb Hammer]

So you don't pay.

[Drake]

You can't. It's not my house. So I don't know if I can. I rent the house.

[Caleb Hammer]

I don't know, even just pick a random. Like, I don't know. Well, mine was my house forever. Maybe I was doing that illegally.

[Drake]

Did you own it?

[Caleb Hammer]

Yes, I did own it. All right. A place you rent. That's a good question. Actually, I don't have the answer. Fair enough.

[Drake]

Okay.

[Caleb Hammer]

Hey, that's.

[Drake]

Do you know?

[Caleb Hammer]

Exactly. And guess what I'm gonna do? I'm gonna look it up later. So I do. It's weird how that works. When inside got some bullshit. When inside got some bullshit. Cash app out. Cash app out. The closed spin. Disney plus. Cash app out. Cash app out.

[Drake]

Close bin is not bullshit. That is laundry. Because we don't have a washer and dryer in the house.

[Caleb Hammer]

Can't afford one. Well, we could plant one.

[Alexis]

We could. We just didn't have space.

[Drake]

We don't have a space to put it.

[Alexis]

We had the ability to buy this.

[Caleb Hammer]

Okay, calm down. Apple Cash sent out game, Xbox game. I don't even know. Maybe it's game Pass.

[Drake]

But it just says it's probably the game Pass. I buy from our Prime Video more.

[Caleb Hammer]

I post the storage again. So two times in one month.

[Drake]

Only should be one two businesses this time.

[Caleb Hammer]

Amazon Prime, Apple Bell, Apple Cash Out. Zel, Netflix, Microsoft, Amazon, Home Depot. I post a storage. Apple Bill. I posto. Storage. $14 there. Yeah, you're getting this. I post storage.

[Drake]

Dude, it's like I thought it was only supposed to be. It's supposed to be like a. Zel

[Caleb Hammer]

going in is a. Yeah, you don't. Yeah, just look at your accounts. Put it into doll. It's automated. It would tell you like, hey, what's this? This is reoccurring. What the is going on? It would automate it immediately. Biggs. 205. Going inside, getting some selling out. 275. Your checking account started with 38 cents, ended with $6. What the is wrong with you?

[Alexis]

Money doesn't.

[Caleb Hammer]

Apple Bill. Apple Bill going inside. It's a maybe. Don't do that. Little Caesars Maybe don't do that. Apple Bill. Maybe don't do that. Little Caesars going inside. It's a maybe don't do that. You don't have money. Going to second. It's a maybe don't do that. You don't have any money. When it's like got some maybe you don't do that. You don't have any money. Apple Bill. Maybe don't do that. You don't have any money.

[Drake]

Money.

[Caleb Hammer]

When is that Gets a bullshit maybe don't do that. You don't have any money. Have you ever considered that? That's an interesting solution. Phone Give now. Oh, no.

[Drake]

If you're looking for all the subscriptions, it's probably going to be on my phone.

[Caleb Hammer]

Give. Okay. Crunchyroll. Apple one and not Hammer Lee got just his brother, which doesn't really make sense. Yeah, Hammer Leaf Tour. The good one is three premium shows posted every single day. Monday, Tuesday, Wednesday, Thursday, Friday, Saturday.

[Drake]

I don't pay for it. My.

[Caleb Hammer]

I know, but the value for the money, it's the best there is. That's why it's number one. She's paying for Gmail and icloud and Canva. What the you paying for Canva? Selling vapes.

[Alexis]

All of the wedding stuff. I've been doing it like, yeah, we

[Caleb Hammer]

can really afford a wedding. $10 in savings. $0 in this one.

[Drake]

Yeah, I think I only keep $10 a month.

[Caleb Hammer]

You owe money to Cash App. Your account's negative 241.

[Alexis]

Yes, that's been negative for a while.

[Caleb Hammer]

Why?

[Alexis]

Same thing with my credit card. I borrowed the money and then I.

[Caleb Hammer]

I buy the money.

[Alexis]

Borrowed and then didn't want to pay the money.

[Caleb Hammer]

I borrowed.

[Alexis]

What? I borrowed the money from Cash App and the Cash app borrow thingy and then like, like kept forgetting to pay it back and. Or just not paid it back.

[Caleb Hammer]

How much bad debt do you guys think you have?

[Drake]

15 to 20.

[Alexis]

I feel like mine's around like 3 to 4k personally.

[Caleb Hammer]

The household moron. Oh, you're getting married in a couple months?

[Alexis]

I'd say

[Caleb Hammer]

like 10, 22,000.

[Drake]

Oh, that's probably with my friend's car in there as well.

[Caleb Hammer]

Is it?

[Drake]

Yeah. Got a friend with a car.

[Caleb Hammer]

One tell me.

[Drake]

I helped him get a car a few years back and he was supposed to be making payments on it.

[Caleb Hammer]

You borrowed it though?

[Drake]

No, no, I was this. I was one of the signers.

[Alexis]

He was the main sign.

[Caleb Hammer]

No, you co signed on your friend's car.

[Alexis]

He was the main sign.

[Drake]

I've learned my Lesson and have you? Yes. I will never do that again. But he crashed it. I guess the insurance didn't pay out all of it. So. Still owed a few grand on it and he still hasn't paid it back. And I. I'm not going to pay it back. That's for him.

[Caleb Hammer]

Are you still friends with him?

[Alexis]

Yes. This is the same friend that I'm like mildly convinced gave our dog ball cancer.

[Caleb Hammer]

Okay. You guys are just pathetic.

[Alexis]

Yeah.

[Caleb Hammer]

In life. I'm. I'm so done. Your debt minimum payment is $586.91. 5,500 comes in maybe.

[Alexis]

I don't know.

[Caleb Hammer]

Your income's going to zero. So I don't. I don't. What's your rent?

[Drake]

1100.

[Caleb Hammer]

I'm gonna call this friend of the post show and I'm gonna yell at him. Okay. Give me the good luck. I'm good at yelling. Give me the gas, electric, water, all the utilities plus Internet. How much?

[Drake]

550.

[Caleb Hammer]

Phone bill normally

[Drake]

right at 500. 496 or something like that.

[Caleb Hammer]

And you pay for all. They don't give you anything?

[Drake]

No. So they will. My dad, he pays late. He will pay like three or four weeks late. Like he just paid me now.

[Caleb Hammer]

Okay, he's off. He's done. Get your own phone bill. We're doing healing. Do you guys own your phones or they payment plans? I'm.

[Drake]

Mine's still being paid off.

[Alexis]

I believe mine's about to be paid off.

[Drake]

Paid off.

[Caleb Hammer]

Okay. Then we'll do 140 for phone plan.

[Drake]

Yeah. And all my brothers pay for their gas.

[Caleb Hammer]

Vroom vroom. Drive, drive. Leave that phone plan. It's not an option.

[Alexis]

Like 2 to $300 a month.

[Caleb Hammer]

Both combined. Okay.

[Drake]

Car insurance, that's 390 something. Cause it just dropped from 4 to 300.

[Caleb Hammer]

It's pretty brutal. 390. Okay. Food, $600. Use the meal plan.

[Drake]

She crashes every car.

[Alexis]

I haven't crashed in a while.

[Caleb Hammer]

TP Fund 150. Anything else needed to survive? Makeup, birth control, whatever you need. All the good stuff. Medical, healthcare. Are there co pays. Are there shit.

[Alexis]

I'm still on my parents insurance so I.

[Caleb Hammer]

Okay. I'm putting in $200 for you to literally get the worst health insurance ever. But it will prevent you from going bankrupt. Let's do subscriptions. 40 bucks. Pets. We have one dog.

[Drake]

Two.

[Caleb Hammer]

What's the other? Health and age.

[Alexis]

She's just turned five.

[Caleb Hammer]

Health insurance or health insurance for her? 50 bucks. Pet insurance. How much for pet food?

[Drake]

40 bucks a week. Week for the big bag, It'd be

[Alexis]

about 150 ish a month. They're about 30 to 40 bucks.

[Caleb Hammer]

I don't know if you guys are in the world of being able to afford that, but we'll find out.

[Drake]

Sometimes our dogs eat nicer than us.

[Alexis]

Our dogs are always fed. We might not be.

[Caleb Hammer]

Shut the up. You guys are going in and buying bullshit every day. That is the dumbest.

[Drake]

I've actually gotten better. I don't buy. Have you gotten better for the past few months? I have not really bought objectively.

[Caleb Hammer]

I have last month. Shut up. I'm so done with you. $4,256.91. I'm sorry if I'm being rude, but I literally have it in front of me. Shut up. I literally have it in front of me. Asshole. You still stop in and get bullshit even if you pack lunch, which makes it even worse. Okay, listen, with the flexibility and weird medical shit, I'm saying there's a thousand left and that's if you make Your average of 55. Whereas you just need to average out through the high and low months and save up for the low months. But even, even still, at least with that. So is your friend's car thing in collections?

[Drake]

Yes.

[Caleb Hammer]

Okay, which one is that? Sanitate? Santander.

[Drake]

Santander, yes. Yes, because we're global lending.

[Caleb Hammer]

When did that go to collections?

[Drake]

Last summer.

[Caleb Hammer]

Okay. You want to have that credit for almost a decade?

[Drake]

No. He did tell me last week that when he gets his tax return he's going to pay it off.

[Alexis]

Off.

[Caleb Hammer]

Okay. I doubt he's going to get 7,000.

[Drake]

He has child now.

[Caleb Hammer]

That'll help. But with someone?

[Drake]

Yes, he's with somebody who has two other children as well.

[Alexis]

That tax return money is going to her. If with the child. He's not head of household. She makes more than him and it's

[Caleb Hammer]

her house I'm going to minus that debt for now. Cuz if you focus on it, it'll be the last one. Cuz hopefully he grows up. But I have no hope in that. So bad debt. $14724 with your. Obviously a thousand hours a month takes 14 months, 15 months to pay off. Then a fully funded emergency fund and then start investing because you guys obviously have nothing. It's all very basic stuff. The thing is, it's not complicated. You guys are just losers. You can't have conversations, you can't do anything. You can't talk to each other, you can't stand up, you can't advocate for yourself. You're going to quit your job. You say nobody hired like. Shut the up. Shut the up. You will have a thousand excuses why this will not happen. But it's the. It's one of the easiest things I've filmed in months. Easy as that. I'm so fast. So done. I am so done. And sell the bus. Pay off the debt. Stop being a dumb. Okay, then you. I don't give a. I don't give a. Then if you're not willing to sacrifice. I don't give a. About you.

[Drake]

Then does. Does that have to be a sacrifice?

[Caleb Hammer]

Yes. All right. I'm doing the Hammer Financial. Shut the up. I'm doing the Hammer Financial Score. Join us in the posture. I'm done with you, dude. You're not willing to sacrifice. Die.

[Drake]

It's making me money.

[Caleb Hammer]

Shut the up. They'll make you more money selling it. Paying off the debt that have minimum payments. Payments, Dick. Hammer Financial Score. Spending in a budget a 0 out of 10. They overspend by a few hundred bucks. Surprising it was only that. Debt collection. 0 10. Emergency fund 0 out of 10. There's nothing. Retirement nothing. 0 10. Real estate 0 out of 10. First in a honestly long while. Hammer financial score. 0 out of 10. Get yours accountablehammer.com Join Hammer Elite the best membership on YouTube for a reason. For the post show. I'm gonna call this friend. I'm gonna talk about to him. Oh my. There is something crazy. Okay, okay. We got to talk about Mexico.

[Drake]

Oh, no.

[Alexis]

Oh, God.

[Caleb Hammer]

What the. I'll see you guys there.

[Drake]

No, we didn't. I had to bribe him to stay out of jail.

[Caleb Hammer]

How much did it cost to bribe a cop? Oh my goodness. Dude, you could have got call him. Hammer Elite is the best YouTube membership on the platform. And I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.