He Needs To Divorce Her | Financial Audit

Summary

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Podcast Summary: “He Needs to Divorce Her | Financial Audit”

Podcast: Financial Audit
Host: Caleb Hammer
Guests: Mike & Maylene
Date: August 10, 2026

Episode Overview

This stark, at times deeply uncomfortable episode centers on the tumultuous marriage, financial mismanagement, and personal struggles of Mike and Maylene from Tomball, Texas. Caleb pulls no punches as he investigates their business, household finances, and the persistent cycle of domestic violence and dysfunction. The resulting conversation exposes the raw realities of a deeply troubled relationship, failed entrepreneurship, and looming financial disaster.

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Key Discussion Points & Insights

1. Marital & Household Dysfunction

• Domestic Violence Cycle
  The episode opens and continues with graphic, repeated admissions of mutual domestic violence, each partner describing at least four major violent incidents (see [05:55-06:14], [19:39-41:00]).
  Notable moment:
  • Caleb, incredulous: “You guys were literally just endlessly, like, full physical fighting?” (01:03)
  • Maylene: “Yes.”
  • Mike: “Yeah.”
  • Further escalations included the police being called, neighbors intervening, and use of weapons.
• Effects on Children
  • The couple has multiple children, some present during the abuse ("our son ran and got the neighbor" [39:12]).
  • Caleb admonishes: “The trauma these kids are going through, I don’t think you guys understand.” (40:00)
• Outcomes of Violence
  • Maylene was arrested and jailed after one incident.
  • CPS became involved, Maylene left home for two months, and the marriage became even more fraught with instability.

2. Business: Pet Waste Removal Company

• The Business Setup
  Mike describes owning a small "poop scoop" business with two employees but admits to major financial disarray ([03:21-12:00]).
  • Owner’s withdrawals before payroll: “How are you taking money out if you’re behind on payroll? Payroll comes first. Your bills come first.” (06:56)
  • Following “Profit First” Book: Mike tries to follow a “take your profit first” approach, but admits to massive confusion and misapplication.
• Chaotic Financial Practices
  • Maylene: “He didn’t want to understand the spreadsheet.” (16:08)
  • Mike: “Just hoping enough money comes in.” (45:39)
  • Expenses and personal purchases are mixed through the business account including excessive eating out, energy drinks, and even children’s activities.
• Chronic Payroll Delays and Mismanagement
  • Employees are not reliably paid, shown later when Caleb confronts Mike’s employee in the bonus post-show ([96:14]).
  • Business’s primary accounts are in the negative; more is spent on incidentals than on running the core business.

3. Personal Finances & Debt

• Debt Burden
  • More than $170,000 in debt, including consolidation loans, defaulted credit cards, and unpaid child support ([79:07], [87:22]).
  • Multiple failed attempts at debt consolidation, continuing problematic borrowing.
• Household Instability
  • Mortgage is two months behind and at risk of foreclosure; utilities have been shut off multiple times ([62:48], [69:00]).
  • Despite chronic crisis, lavish spending on “bullshit” (Caleb’s word)—food delivery, streaming, fast food, and energy drinks.
  • VA Benefits of $2,900/month supplement income, but mismanagement continues.

4. Background, Trauma & Excuses

• Childhood & Patterns
  • Maylene attributes her behavior to witnessing domestic violence as a child ([23:06]).
  • Both share stories of loss and trauma, but Caleb repeatedly notes these do not excuse abuse.
• Military Service & Disability
  • Mike is a military veteran (Army, missile operator), receives VA disability due to a traumatic brain injury, but Caleb challenges the legitimacy and timing of the claim ([48:28-58:00]).
  • Child support for kids from a prior marriage remains unpaid.

5. Failed Attempts at Change

• Marriage Counseling
  • Attempted, but Mike refused lasting participation: “We tried. We even went to marriage counseling... He refused and everything.” (60:05)
• Budgeting & Financial Tools
  • Maylene managed with spreadsheets and tools, but Mike could not or would not engage (“six years of me trying…” [60:15]).
  • Caleb offers direct resources and a session with a fractional CFO.

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Notable Quotes & Memorable Moments

On Domestic Abuse

• “You guys are literally beating each other.” — Caleb (34:35)
• “All because you told him... because she told you to go to bed, wake up.” — Caleb, on triggering incidents (24:15)
• “You choked him?” — Caleb (37:16)
• “You started a fight and he had to call the cops.” (39:54)

On Parenting and Responsibility

• “Why can’t you step up, man?” — Caleb (17:34)
• “The trauma these kids are going through, I don’t think you guys understand.” — Caleb (40:00)

On Financial Illiteracy

• “Just hoping enough money comes in.” — Mike, on financial planning (45:39)
• “How are you this stupid? …You guys, how are you this stupid?!” — Caleb (77:18-77:33)
• “Your business has failed. You have failed. You’re a failure. Accept it. Grow up. Get a job.” — Caleb (68:21)

On Recurring Patterns

• “He checked out from our life for 10 years straight.” — Maylene (40:30)
• “All you need to do is hope.” — Caleb, sarcastically, on their financial strategy (45:50)

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Timestamps for Key Segments

• [01:03–05:08]: Beginning of episode; cycle of violence is described.
• [06:12–13:15]: Business income breakdown; confusion and owner withdrawal debate.
• [16:03–18:47]: Household stress, childrearing conflicts, and reluctance to collaborate.
• [19:39–44:01]: Detailed discussion of multiple violent altercations.
• [45:02–48:28]: Household finances and discovery of mismanagement.
• [62:48–69:00]: Mortgage delinquency and eviction risks.
• [87:22–91:45]: Debt drilldown; child support debt and business spending scrutiny.
• [97:11–100:13]: Budget breakdown; catastrophic minimum debt payments.
• [100:18–101:38]: Financial advice and discussion of potential bankruptcy.
• [102:44]: Post-show set up: confrontation with unpaid employee.

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Financial Audit: The Host’s Assessment

Caleb’s verdict is clear and harsh:

• Financial health: Rock bottom (overall “1/10”)
• Behavior change needed: Bankruptcy looming unless substantial, immediate overhaul happens
• Personal responsibility: Strong, repeated admonishments to both parties to “grow up,” stop the cycle of abuse, and prioritize their children’s welfare and basic stability.

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Conclusion: Core Insights

• Cycles of trauma, abuse, entitlement, and financial ignorance are all reinforcing each other in this home.
• Neither spouse accepts full ownership: excuses, finger-pointing, and failures to change abound.
• Host’s advice: Stop the endless debt cycles, either salvage the business or (preferably) shut it down, get normal jobs, file bankruptcy if necessary, and focus on parenting, not bickering or blaming. Caleb’s final recommendation is to bring in professional financial help and seek therapy for the family’s deep issues.

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For listeners: This is a cautionary tale—harsh, unfiltered, and intense. The episode spares no detail in showing what happens when personal dysfunction and financial chaos collide, urging all to break cycles of both abuse and poor financial decision-making.

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(All notable quotes and moments are in the authentic language and tone of the participants. Business and financial content timestamps are listed for easy navigation.)

Transcript

[Sponsor/Announcer]

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[Maylene]

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[Caleb Hammer]

To watch episodes of Financial Audit a week earlier, check us out on YouTube. So you guys were literally just endlessly, like, full physical fighting?

[Mike]

Yeah.

[Caleb Hammer]

Until you called the cops.

[Maylene]

I told him, I said, you're drunk, you're acting crazy, you need to go to bed. And then he said, no, you don't tell me what to do. And then.

[Mike]

Is that when you tried to run out?

[Maylene]

After you slapped me? Yeah.

[Mike]

She was trying to leave at. He chased me, whatever o' clock at night with her suitcases, trying to get out the door.

[Caleb Hammer]

Okay, so let her.

[Mike]

No.

[Caleb Hammer]

So your kid was there and you literally punched her?

[Maylene]

Yes.

[Caleb Hammer]

And then you punched her?

[Mike]

Yes.

[Caleb Hammer]

Where'd you punch her face?

[Maylene]

No. I told him. I said. I said, you need to kill me today. I can't do this anymore.

[Caleb Hammer]

What happened in this third instance, though?

[Mike]

I shut the door, I grabbed the gun. She was getting a knife.

[Caleb Hammer]

The IRS is going to eat you alive at some point and you will deserve every moment of it. And I can't wait. Especially since I'm subsidizing your household, you pathetic, bald piece of. I just launched Liquid Assets, my official Gamer Subs flavor raspberry apple. At less than 40 cents a serving, it's also zero sugar in under one calorie. Use code Caleb for 10% off your entire order. Oh, and one out of every 10 tubs has my face printed right on it. Grab Liquid Assets @gamer subs gg caleb or the link in the description and pinned comment below. This is the best drop gamersupps has ever run. Link in the description.

[Mike]

Hi, I'm Mike. I'm 36 years old.

[Maylene]

I'm Maylene. I'm 33 year old.

[Mike]

We are from Tomball, Texas, and this is financial audit.

[Caleb Hammer]

Welcome, guys. Listen, everyone in our little document right here was like freaking out that we would be getting too racist with the word mainly. I don't even know what's racist about it. You're just Asian. It's an Asian sounding name. What's racist? Is that racist? Are we being racist right now?

[Maylene]

We are Chinese people. Hello.

[Caleb Hammer]

Please ping powder.

[Maylene]

No, we just. I'm smarter than him. That's it.

[Caleb Hammer]

Well, I would assume that's pretty racist.

[Maylene]

No, it's not. Well, it's not racist if it's your

[Caleb Hammer]

own kind and for its pattern recognition. And she is Asian and I recognize that pattern.

[Maylene]

Yeah, my ancestry.com says I'm 98% Asian, so we're surprised.

[Caleb Hammer]

We're shocked.

[Mike]

We're stunned.

[Caleb Hammer]

Okay, well, thanks for coming in from Tomball north of Houston an hour. I've never heard of it, so it should be a relatively cheaper place to live. What do you do for a living, Mike?

[Mike]

I own a pet waste removal company. Sure.

[Caleb Hammer]

Oh, poop scoop.

[Mike]

Poop scooping.

[Caleb Hammer]

Poop scoop. I get them coming by a couple times a week. It's good. Listen, I. I pay mine a decent amount of money for that luxury.

[Mike]

Yes.

[Caleb Hammer]

So I hope you're making good money. You own the business. How many employees you got?

[Mike]

Two.

[Caleb Hammer]

Okay. Okay. So this might be doing something.

[Maylene]

Anything. Stay at home, Mom.

[Caleb Hammer]

This is doing something. Oh, okay.

[Mike]

Well, that's good employee.

[Maylene]

Yeah, I did the marketing and all that and like ordering supplies and all that for him. So kind of like the back end. And then he.

[Caleb Hammer]

How frequently I can't tell. Are you? I hear like Asian, then I hear ghetto, then I hear southern. What are you?

[Mike]

There's British. When I met her. What very British accent.

[Maylene]

We were in Humble and then we moved to what, Cyprus. Like more city near. Closer to sea.

[Mike]

Cyprus.

[Maylene]

Tomball and then Tomball. No.

[Caleb Hammer]

Okay, how does that make her British?

[Mike]

No, when I met her, she learned from a British guy.

[Maylene]

Yeah, My teacher.

[Caleb Hammer]

Where the are you from?

[Maylene]

Taiwan.

[Caleb Hammer]

Okay. Went shopping.

[Mike]

Yes.

[Sponsor/Announcer]

Yeah.

[Mike]

For Asian.

[Caleb Hammer]

Okay. Usually they bring back a skinny one. But you did have kids?

[Maylene]

Three.

[Mike]

Yes.

[Caleb Hammer]

Whoa. Okay. What are the ages of?

[Maylene]

Well, I have three, he has five.

[Caleb Hammer]

What the is wrong to your Boston?

[Mike]

Yeah.

[Caleb Hammer]

Okay, what's the previous kids?

[Mike]

Ex wife.

[Caleb Hammer]

Ah, okay. So you've been married before?

[Mike]

Yes.

[Caleb Hammer]

Are you guys married?

[Mike]

Yes.

[Caleb Hammer]

How long have you guys been married?

[Mike]

10.

[Maylene]

11.

[Mike]

11 years.

[Caleb Hammer]

Guys, this is a long marriage. For financial audit. That's kind of Exciting. How old are. Okay, all the kids?

[Maylene]

19. 19, 17, 8, 7 and 1 and a half.

[Caleb Hammer]

Okay, so the younger ones are gonna be you guys. Okay. Geez, dude. Yeah, you're. You're producing like crazy.

[Mike]

Yes, I want more.

[Caleb Hammer]

You want one more?

[Mike]

One more. If it'll come out.

[Caleb Hammer]

Yeah, if it'll come. What does that mean?

[Mike]

I don't know. Well, we've been trying, but.

[Maylene]

I've been trying.

[Caleb Hammer]

Yeah. Are you consenting?

[Mike]

I let it marinate.

[Maylene]

I mean, in the moment.

[Caleb Hammer]

Yeah, well, everyone. Everyone wants it inside in the moment. That's why we just don't listen. We don't listen to our brain, our dick and the woman.

[Maylene]

Speak for yourself, motherfucker.

[Caleb Hammer]

I mean, everyone wants it. Everyone says it's like, oh, okay, no, I don't need to reenact. We all know what it means.

[Maylene]

I mean, if it's a girl. But we've got three boys.

[Caleb Hammer]

Well, I don't think you really get the choice when he busts.

[Maylene]

Yeah, I know. Okay.

[Caleb Hammer]

Okay, well, Mike, please be a lot of money, cuz this is a lot of kids with even more coming. Potentially, yes. How much do you make?

[Mike]

9,000amonth.

[Caleb Hammer]

Okay. Is that what the business makes or is that what you take home?

[Mike]

That's what I'm trying to take home.

[Caleb Hammer]

Okay.

[Maylene]

Trying.

[Caleb Hammer]

Trying versus taking home.

[Maylene]

What?

[Caleb Hammer]

What's the laugh? No, tell me the number. What are you laughing about?

[Maylene]

How.

[Caleb Hammer]

What was so funny about that?

[Mike]

Because.

[Caleb Hammer]

What was the joke? What was the joke?

[Maylene]

I said.

[Mike]

I, I usually. Well, I haven't been paying myself, really. Like, I just separated the business finances

[Caleb Hammer]

from the personal finances. You're not doing.

[Mike]

I started doing an owner's withdrawal. So this month what you've been paying? Yeah, last month just. I'm.

[Maylene]

Well, everything comes out from business. Yeah.

[Caleb Hammer]

I'm being told you're literally behind on payroll right now.

[Mike]

Yes. Yeah.

[Caleb Hammer]

How are you taking money out if you're behind on payroll? Payroll comes first. Your bills comes first. Taking care of your employees comes first.

[Mike]

Yes.

[Caleb Hammer]

Yes. No, it sounds like you're taking money out.

[Mike]

Well, so I'm trying to pay myself more so we could pay the bills. Like trying to control the ownership.

[Caleb Hammer]

Paying your employees, if you hire people, they're your responsibility. Before you pay yourself.

[Mike]

Yeah.

[Caleb Hammer]

And that's most important after the.

[Mike]

After the bills?

[Caleb Hammer]

Well, no, no, their pay actually does come first. That's your responsibility as a business owner. That is the first and foremost, most important thing is. Is paying your employees. You don't just not pay them so you can pay your bills. That are likely more expensive than you can afford because you chose to do that.

[Maylene]

Well, he started reading his profit first book. So it's kind of like. Huh, Profit first. Was that the book?

[Mike]

Yes.

[Caleb Hammer]

Okay.

[Mike]

Profit first.

[Caleb Hammer]

Where I'm thinking, oh, you read a book Profit first.

[Mike]

Yes.

[Caleb Hammer]

Okay, what did this book teach you?

[Mike]

Profit for.

[Caleb Hammer]

That doesn't make. No, the profit is what is there at the.

[Mike]

No, not at the end. It's at the beginning. Okay.

[Caleb Hammer]

Yeah, explain. I guess I haven't read Profit First.

[Mike]

Easy, easy way to explain it is if you have. If you go by profit first, you take your profit first and that's say, say it's 5%.

[Caleb Hammer]

But what if that's not your profit margin?

[Mike]

You make it your profit margin. How? You either go up or down. If you, you start low, like 3%, 5%. If you can't start with that, then the business isn't profitable.

[Caleb Hammer]

Yes, your business is probably a failure. But like, I understand that you can't.

[Mike]

If, if the human mindset, if you start with income minus the expenses equals your profit, you're not going to have any profit left because that's on the back burner.

[Caleb Hammer]

Okay, I have profit left, and I do that.

[Mike]

But most people won't.

[Caleb Hammer]

But they're not paying their employees. But if you go behind on payroll,

[Mike]

if you go to the, the, the person that does bookkeeping or the, the whoever you go through and you say, oh, what was. They say, oh, Congratulations, you were $13,000 in profit. And then you say, where is it?

[Caleb Hammer]

What. What are you talking about?

[Mike]

What do you mean most people's profit's not real? Because then you say, none of this

[Caleb Hammer]

makes sense to me. What am I missing? What am I missing here? Can your quants.

[Maylene]

There's a, there's like a weird, like a chart that. From that book. And like you make a certain amount within a certain amount is how. How much Percentage. And then.

[Mike]

Oh, just, Just put a little profit to the side.

[Caleb Hammer]

What are you.

[Mike]

And then you have your owner's withdrawal.

[Caleb Hammer]

Now go ahead and just draw for me what's the silly little chart. Okay, I don't understand.

[Maylene]

So he does all this.

[Caleb Hammer]

What aren't you the chart person? You're the chart expert. You guys invented charts.

[Maylene]

I know. I was the data analysis. But that thing I don't understand.

[Caleb Hammer]

It shouldn't be pretty basic for a $15 book for.

[Mike]

You got the job.

[Maylene]

Oh, yeah.

[Mike]

At accounting.

[Maylene]

Cost accounting.

[Mike]

Yeah, yeah. She bought the Accounting for Dummies book before she started the job. So you go. So you have your real no, real income. Right?

[Caleb Hammer]

Or define real income. Just so we know what that means.

[Mike]

Just your income. So say that.

[Caleb Hammer]

Whose income? The businesses are yours.

[Mike]

Yeah, yeah. Business income. Sake. Okay, business income. You have 10,000 and then you start with profit. Oops, sorry. I'm nervous.

[Caleb Hammer]

I can't even spell profit. Not only do you not make any, you can't spell it.

[Mike]

So profit.

[Caleb Hammer]

But what's happening here? You're writing words. What's happening? Give me, give me an understanding. What's happening?

[Mike]

So you take your income. You have to do profit first.

[Caleb Hammer]

Okay.

[Mike]

5%. Sure. That you just take your 5%. You put that in a bank account. Right? Okay.

[Caleb Hammer]

Lower margin business. Gotcha.

[Mike]

Okay.

[Caleb Hammer]

I don't know how we're having a low margin business on picking up poop.

[Mike]

No. 5, 10. Low. That's a problem.

[Caleb Hammer]

That would be a problem for picking up poop.

[Sponsor/Announcer]

Yeah.

[Mike]

You have your expenses and then you have your owner's withdrawal.

[Caleb Hammer]

What's your expenses? Labor and maybe gas reimbursement.

[Mike]

Labor. Gas is a lot. Bags. Bags are a lot. Gloves, clothes are like a dollar apiece. Each job is a dollar of gloves. And bags are 30 cents a piece. And then chemicals, you have spray to deodorize and sanitize the yard. That's like 300 bucks a month.

[Maylene]

And ads.

[Caleb Hammer]

What are you getting per pick?

[Mike]

About 21.

[Caleb Hammer]

So that 5% margin makes no sense. What's the labor cost? What are you paying your people?

[Mike]

I have a full time, that's 20 an hour. And a part time, that's 15 an hour.

[Caleb Hammer]

And they're just picker uppers?

[Mike]

Yes.

[Caleb Hammer]

Are you picking up?

[Mike]

Yes.

[Caleb Hammer]

How many, how many places are they picking up an hour?

[Mike]

About two and a half.

[Caleb Hammer]

Your 5% makes no sense here. And I know you say that's low, but you should be able to hit it right now. But if you're able to, you should not be behind on payroll. Where's this money going?

[Maylene]

I don't know.

[Mike]

So my owner's withdrawal is a lot.

[Caleb Hammer]

But why?

[Mike]

Because of the past debt on the business? No. Personal, but.

[Caleb Hammer]

No, no, no. That doesn't make sense for why the owner withdraws a lot. You made choices. So you're taking more money out of the business, but you're behind on payroll. You withdraw after you pay everyone. You pay yourself. After I pay myself a lot of money because the business does well. But only after I pay everyone twice a month.

[Mike]

Yes, but what I, I, they've gotten their pay. I don't owe them. What?

[Caleb Hammer]

No. You're buying on payroll? Yeah.

[Mike]

It's behind. But what are you talking about? The first is coming up, so I charge the invoices on the first.

[Maylene]

Okay.

[Caleb Hammer]

You're doing a 47 orders draw right now?

[Mike]

Yes.

[Caleb Hammer]

Yeah, I mean, that might not meet the margin. I feel like you're closer to, like 30% is what you can take owners with.

[Maylene]

Wrong.

[Caleb Hammer]

That's what he pays himself.

[Maylene]

Oh, I just. I just swipe. What?

[Caleb Hammer]

No, from the business.

[Mike]

From. Yeah. 47% owners.

[Caleb Hammer]

How long have you been here?

[Maylene]

11.

[Mike]

No.

[Caleb Hammer]

You understand what I'm saying then?

[Maylene]

Yeah, Yeah.

[Caleb Hammer]

I didn't ask how much you're swiping. As first reported by the New York Times, the Chinese government has deployed spies inside the U.S. i said I don't

[Maylene]

know about the amount. I just. If there's. The money's there, I swipe.

[Caleb Hammer]

I'm talking about how much he's pulling from the business lady.

[Maylene]

Oh, I don't know.

[Caleb Hammer]

Is this a sugar daddy situation? Did it start as a sugar daddy situation?

[Maylene]

Starting? Yeah, this did it really.

[Caleb Hammer]

Wait.

[Mike]

Huh?

[Maylene]

Starting? He started just this year?

[Caleb Hammer]

No, no, no. 11 years ago.

[Maylene]

No.

[Mike]

What? No, I was working at like, Best Buy.

[Maylene]

I was sugar mommy.

[Caleb Hammer]

Oh, okay.

[Mike]

She has a college degree.

[Maylene]

It doesn't matter.

[Caleb Hammer]

It doesn't always mean everything, but, like, I.

[Maylene]

That's what I told him.

[Caleb Hammer]

Well, it can.

[Mike]

I. So my mindset, whenever. If we go to the beginning of us, I get an Asian and you get rich.

[Caleb Hammer]

Well, you guys are in a lot of debt, so that didn't work.

[Maylene]

Yeah, it's not because of me, but we.

[Mike]

I mean, we lived rich.

[Maylene]

Yeah, some of it because of me, but some. Some. But if he would just get a different job, we wouldn't have b.

[Caleb Hammer]

Is that the issue or is he just taking too much money out of the business and he's not sustaining it? Well, the business cycle, that's.

[Maylene]

The business didn't start till. I think it's like end of 2024. Our third one's born before he was doing. He was working retails. Okay.

[Caleb Hammer]

So the other job he would get would also. He wouldn't make much.

[Maylene]

No, no, no. It's. Especially towards the end.

[Caleb Hammer]

How did you get a job?

[Maylene]

I did.

[Mike]

She had one. I told her to quit.

[Maylene]

Why? Cuz.

[Mike]

Yeah.

[Caleb Hammer]

You have a lot of kids at home, but is that it?

[Mike]

I wanted to homeschool them. And also I was paying a lot of money for ads and. But she took over the ads, so

[Maylene]

I've been working since. Since I moved.

[Caleb Hammer]

Yeah, but we need you to make money. You're not going to pay her. Like you're still taking the withdrawal, so.

[Mike]

Yes.

[Caleb Hammer]

Okay, we gotta pause real quick. The babysitter has a question 2,000 years later. Okay, so listen, I understand with how the money's going now you've taken it over, but she was running in the past, so why'd you take it over? Well, first. Well, how are you managing it in the past? What was it like?

[Maylene]

I actually had a spreadsheet and I actually had to tell him, like, hey, this is going through. How much is going through? We only have this left. So you only have this amount to spend.

[Mike]

But she had a spreadsheet that I didn't understand. It was like a Google.

[Maylene]

He didn't want to understand the spreadsheet. He didn't. We asked. I tried to sit down with him to go through it. I, I used that spreadsheet for, I think over four years. I asked him multiple times to go through with me so he knows what's going on.

[Caleb Hammer]

I don't have to keep telling people. They put a lot of stress on you though, in the relationship. Yeah, you were just like, I guess getting like ultra stressed. What does that even mean? Oh, it's so stressful.

[Maylene]

It's. So we initially, we stay with his parents and we got one kid and the second kid's born. And when Covid hit, we started working from home and his shift was a little weird. It was like one to ten.

[Caleb Hammer]

Okay.

[Maylene]

And I have to be at the meeting at 9am in the DOT. So I would get the kids ready before 9 o' clock and wake him up to watch the kids while I'm in the meeting. But he refused to. He.

[Caleb Hammer]

Why. Why don't you step up and take care of your kids?

[Maylene]

He will usually say, my shift doesn't start at one. Why don't you. Why am I waking up right now? Go tell. Send the kids to my mom.

[Mike]

She wanted me to wake up at like 8 o', clock, but my shift was from 1 to 11 or 1 to 10, whatever it is.

[Maylene]

Oh, I know.

[Caleb Hammer]

Like wake up and take care of your kids. What. What was he doing instead?

[Maylene]

Game. He games at night and.

[Caleb Hammer]

Well, that's. I like, I also enjoy playing a video game. That's fun when he got kids to take care of and she's burning out. Why can't you step the up, man?

[Maylene]

Because mom's home. Mom's still there.

[Mike]

No, we had. We had. Because mom's there, Grandma's there.

[Caleb Hammer]

But if she's asking for you to step up, why won't you she. Your Wife.

[Mike]

We had help in the house though.

[Caleb Hammer]

But she's asking you to step up, so why didn't you.

[Mike]

But there was other people that could step up.

[Maylene]

There's no other people because his mom is taking care of his grandma who she passed away but who had dementia. And his dad's a registered nurse, so his dad's working all the time. So I feel bad leaving her the kids to take care of because she had to. There was one incident that.

[Caleb Hammer]

Were you crying? What is that for?

[Maylene]

Oh, earlier.

[Caleb Hammer]

Yeah, you were crying before we started.

[Maylene]

It's just a sensitive.

[Caleb Hammer]

What is?

[Maylene]

It's just stress. It's like back when I think about the stress back then, it's just. It gets me just really upset. Like I have to be upset again.

[Caleb Hammer]

What happened?

[Maylene]

It's just being told you kind of blew up.

[Mike]

What?

[Maylene]

Oh yeah, that blew up.

[Caleb Hammer]

What? Well, I mean, I've had arguments with my girl as well. What did you say?

[Maylene]

Well, they went kind of like physical.

[Caleb Hammer]

It went physical. Who was physical?

[Maylene]

I'm being physical.

[Caleb Hammer]

You were physical?

[Maylene]

Yeah.

[Caleb Hammer]

What the did you do?

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[Maylene]

Oh, the first time was the time I tried to wake him up to take care of the kids and he refused. And I. He literally lay in bed and that was.

[Mike]

But I was working one to 11 and.

[Caleb Hammer]

Okay, and. And what does that have to do with anything?

[Mike]

Because if I'm working 1 to 11, I don't, I don't have to wake up at 8.

[Caleb Hammer]

Okay, so. Okay, so what did you do physical?

[Maylene]

Well, so I would say like I could. Well, I started physical fight, but no.

[Caleb Hammer]

What did you do?

[Maylene]

I was banging him like a Donkey Kong basically.

[Mike]

She was punching.

[Maylene]

Yeah.

[Caleb Hammer]

Just out of nowhere.

[Maylene]

No, I pulled his blanket. Right? I pulled his blanket. I said you need. You're gonna get the. The up and wash the kids. Cuz I fed the kids, I changed their diaper. They're all good to go. They're clean. They just need someone to watch them. But Rehef refused. So I pulled the blanket and then he pulled the blanket back up. I said, I need you to get

[Mike]

the up other adults in the house though.

[Caleb Hammer]

Okay. But she started hitting you. Like what hitting you?

[Maylene]

Okay. So I pulled the blanket and then he got pissed off. He jumped straight in my face, like this close. Like literally like his nose about to touch my nose. So I. My reflection just.

[Caleb Hammer]

Why'd you do that? Why'd you get all up in her face?

[Mike]

Cause it was like 30 minutes of her trying to get me out of bed, yelling at me.

[Maylene]

Yeah, he, like, usually, like. I don't. I'm not trying to justify what I did, but usually when it started is whenever he get really close to my face. And what's more upsetting is he would say, no, I didn't do it. Because when. Back when we were dating, he actually did it one time and what, got in your face? No, it's more than that. He actually, he got drunk and then he was on top of me and then started slapping me.

[Caleb Hammer]

What?

[Maylene]

And I had. I bit him on the shoulder to.

[Caleb Hammer]

What the.

[Mike]

To.

[Maylene]

To get him like to stop. I mean, I know I'm like, I'm. I'm a big Asian.

[Caleb Hammer]

Wait, wait, what about being drunk makes you want to pin her down and start hitting her?

[Maylene]

I. I think that time. Cuz I told him, I said, you're drunk, you're acting crazy, you need to go to bed. And then he said, no, you don't tell me what to do. And then.

[Mike]

Is that when you tried to run

[Maylene]

out after you slapped me? Yeah, yeah, I bit his shoulder and then I ran out and he chased me.

[Mike]

She was trying to leave.

[Maylene]

He chased me.

[Mike]

Whatever o' clock at night with her suitcases, trying to get out the door.

[Caleb Hammer]

Okay, so let her.

[Mike]

No, we didn't live in a good area and she was brand new here. She had just came here from Taiwan.

[Caleb Hammer]

Well, but she slung glucky on the streets of Taiwan. She could survive in the suburb of outer borough of Houston, but she could.

[Maylene]

But she. Yeah, she. So he chased me down the hall and I got scared because I thought he was going to attack me more.

[Caleb Hammer]

Yeah, well, before that. What do you mean slapping you while you're sitting down? Was it just like actually like.

[Maylene]

No, he was like. Like this back and forth, like silly. No, no, like hard. And then he was sitting on top of me and started slapping me. And then. So that was the first time and then that was before I ever.

[Caleb Hammer]

So. But you're running down the hall then.

[Maylene]

Yeah, and then he chased me and then acting scary because I was. Well, I was from that childhood. My dad used to physically abuse my mom. Like chasing her or hit my mom with a fan.

[Mike]

No.

[Maylene]

And he was.

[Caleb Hammer]

I haven't used that one yet. Let me. I'm gonna use that as my next question.

[Maylene]

Yeah. My dad used the industrial fan to hit my industrial one, not the little one.

[Caleb Hammer]

I gotta upgrade my abuse.

[Maylene]

Yeah. And then my mom had a. What was that? My dad had a knife against my mom's throat. And my. All that. So people chasing Yakuza. Yeah, so people chasing. It's scary. I turn around, I saw the island. I grabbed the. I turned around, I grabbed like a fork and say. I didn't even grab a knife. I grabbed a fork. I said, you need to stay.

[Caleb Hammer]

I know the first thing you think about every day is grabbing a fork, but.

[Maylene]

Yeah.

[Mike]

Or chopsticks.

[Maylene]

Stop. But I told him, I was like, you need to get away from me. And then he started laughing, like, what the are you gonna do? What the are you gonna do? And then I was like, I'm just gonna go to the backyard and leave me the alone. And his parents were out of town, so it was just us. So I slept through that night.

[Caleb Hammer]

All because you told him. Because she told you to go to bed, Wake up.

[Maylene]

No, it's a different thing.

[Caleb Hammer]

This was when you were drunk and she said, go to bed.

[Mike]

Yeah.

[Maylene]

Yeah.

[Caleb Hammer]

So what? But I've never personally started abusing my girl because she said, went, go to bed.

[Maylene]

Yeah. I don't know. He was. He was drunk. And then I just. I wanted to get away. So I spend the night at the. In the backyard. And then he woke up. And then I said, oh, you did this and that. He said, well, I don't remember. You were lying. I said, your shoulder is bit. It's bruised. And he was like, what the Would you bit me? And then I was like, no, you attacked me first.

[Caleb Hammer]

I mean, I think abuse is abuse. Well, okay, so he got in your face the house the next time. And then your instinct was just, I gotta fight back. So what did you do?

[Maylene]

I pushed him and then sit on top of him. I start, like, pounding him.

[Caleb Hammer]

What? Where? On his chest.

[Maylene]

Yeah.

[Mike]

What the.

[Caleb Hammer]

That's interesting.

[Maylene]

His chest and I think ribs.

[Mike]

Yeah.

[Caleb Hammer]

You were just laying there.

[Mike]

Yeah. Yeah.

[Maylene]

I get really strong when I was upset.

[Mike]

The first one, I was super drunk. That. Not. Not defending it, but sounded like you're trying. I was. I was super drunk.

[Caleb Hammer]

That.

[Mike]

That's. That's the reason I acted like that. But with. With this one, I'm not gonna fight back or anything.

[Caleb Hammer]

But. Yeah, I think you can fight back, actually, when you're under attack?

[Mike]

Yes. I just.

[Caleb Hammer]

I don't think anyone should hit each other first, but especially as a man, you shouldn't get on her and start slapping her. But I think yes, if someone is attacking you, you can attack back.

[Mike]

But I didn't. That's where. That's where I messed up my rib.

[Caleb Hammer]

Oh wait. But then I. Okay then there was another incident this

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[Caleb Hammer]

Why was there another incident? So I guess he punched in this one. I'm going to be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans and collections. Whatever. Your interest rates are different, your payments are different, Your life is different. So why do you need some one size fits all solution that treats you like a number? Some generic calculator that spits out just pay more. As if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say good luck. They work to understand your specific scenario and help provide alternative solutions to becoming debt free. Whether you're struggling with credit cards, personal loans, collections or medical bills, PDS Debt has customized options designed specifically for you. Not your neighbor, not some average case study you. They've helped hundreds of thousands of people get out of debt. And here's the thing. There's no minimum credit score required. They're not here to judge you. They're not here to shame you. They're here to help you get out and help you save more. Pay off your debt faster and start putting money back in your pocket. This is a company that is A plus rated by the Better Business Bureau, boasts thousands of five star reviews on Google, and holds a five star rating on trustpilot that legitimately matters. Here's the thing. If I needed help paying off debt, this is exactly where I'd go for help. You're just 30 seconds away from being debt free with PDS debt. Get your free assessment and find the best option for you right [e-mail] hammer that is PDS debt.com hammer. PDS debt.com hammer. 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 every dollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal. Finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollarwise, 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.

[Maylene]

Yeah, he did well.

[Mike]

No, she punched first, and then this time I defended myself.

[Caleb Hammer]

Why? What happened? Why are you guys so violent?

[Maylene]

First, it's just like a long. A long time of having to take care of everybody for me.

[Caleb Hammer]

And what happened in this third instance, though?

[Maylene]

The third instance is I got a new job, and I think I took extra week off to get ready for the job. And then the kids happened to caught Covid flu and strep throat, all three at one time. And then he caught it too. So him being sick. Right. I cannot do anything. I'm not. I'm. I'm unable to get out of bed, that type of thing. But I needed.

[Mike]

Oh, this was the kissing thing.

[Caleb Hammer]

Oh, God, there's another one with.

[Mike]

Huh?

[Caleb Hammer]

What's the kissing thing?

[Maylene]

Oh, no, no, no, no. There was.

[Caleb Hammer]

Oh, that's another thing. Yeah, let's do that one later. Okay. Okay, so what's this one?

[Maylene]

Second one. Okay, so he was. Everybody was sick. And then he was. Refused to get off a helmet with the kids because I told him. I said I got to take the kids to go to the doctor. And I was offering him and said, do you want me to drop you at the urgent care because it was sick? And he said no. And then. So I took the kids to go see a doctor, and I dropped. I was gonna go pick up the medication. It started pouring, so I took them home. And then I woke him up nicely. I said, hey, can you please get up with the kids because I gotta go get their medicine. And it's pouring. I don't wanna bring them in Target and pick up their medicine.

[Caleb Hammer]

Okay, again, just pause for a second. I don't start swinging hearing this story, but continue.

[Maylene]

Okay, so. Well, you're gonna. You're about to start swinging. So anyway, so he did get up, right? So I said, okay. I told my kids, let me know. My oldest one said, let me know if anything. If you need anything, call me. Cause I'll be in Target. Pick up your medicine, and I'll grab your dad some extra medicine for him. So as soon as I arrived Target, I got a call from my oldest son. He said the baby, which was only four months, fell from the couch.

[Caleb Hammer]

Oh, okay.

[Maylene]

And then I called him. I said. And I said, where's your dad? And he goes, oh, sleeping on the

[Mike]

couch with the baby that fell off. Sometimes babies fall. No, but it's like a normal, not a crazy.

[Maylene]

No, it's enough.

[Caleb Hammer]

She was supposed to be taking care of the kid. Wasn't that the entire point?

[Mike]

Yes.

[Caleb Hammer]

Okay, so baby fell a little bit.

[Mike]

Like, not. Not crazy.

[Caleb Hammer]

It's a couch.

[Maylene]

Yeah, he's only four months. So baby fell, and I came home, I lost it, and I started attacking him, but then he wasn't.

[Caleb Hammer]

I was attacking him. No, I want details.

[Maylene]

I don't. Most of the attack, I don't really remember.

[Caleb Hammer]

What was the attack? What'd she do to you? I don't know. What? You guys. No, no, no. Listen, this isn't that long ago.

[Maylene]

Was that for me? It's either. It's. It's either. It's probably punching. Usually it's.

[Mike]

Yeah.

[Caleb Hammer]

Guys, this happens in March of last year.

[Maylene]

No, no, no, no. This is in January last year. And then the big one is.

[Caleb Hammer]

Oh, there's another one.

[Mike]

Yeah.

[Caleb Hammer]

Okay. We didn't even. Okay, so. Okay, so this time you just went and you started punching.

[Maylene]

Yeah.

[Caleb Hammer]

And you hit back.

[Mike]

No, that's the next one.

[Maylene]

Yeah, he.

[Caleb Hammer]

Okay, so this is the third. So there's the fourth one.

[Mike]

Yeah.

[Caleb Hammer]

Okay, so you started swinging. You're hitting him, you're beating him.

[Mike]

Yes.

[Caleb Hammer]

Eventually you calm down, I guess.

[Maylene]

No, I told him. I said, I say, you need to kill me today. I can't do this anymore.

[Caleb Hammer]

Well, he did not kill you. How did we de. Escalate from this?

[Mike]

Yes. Oh, no.

[Maylene]

I had a relationship because my kid came in. I jumped up.

[Mike]

I know. I held you down, and you started hyperventilating, and then the kid came in and we both jumped up.

[Maylene]

Yeah, I do that whenever I get, like, really, really stressed. Really Upset?

[Caleb Hammer]

Well, if you start beating someone, yeah, your adrenaline's gonna be all the way up. So what was the fourth one then?

[Maylene]

Well, the fourth one was whenever I think he, he had to take his kids home. All the way. Yeah.

[Caleb Hammer]

Yeah, that's right.

[Maylene]

All the way from all the way to like Willis, Texas. So it was like 50 minute drive and I had a baby with me and with my friend in the house, we're just chit chatting and the baby fell asleep in my arm. And then as soon as he got home, he looked at me and he just gave me a look like, you didn't bathe the baby yet? And I was like, what? I said, no, he fell asleep. He said, well, you just gotta wait for me to come home and bathe him. Huh? And I was like, maybe why don't

[Caleb Hammer]

you just walk in and be a.

[Mike]

No, she, There's a lot of things that she does on purpose.

[Maylene]

Yeah. Cause I need you to do it.

[Mike]

I need you for me to do. Yeah. So she goes, I need you to do it.

[Caleb Hammer]

Tell me.

[Mike]

So like the bathing thing, I walk in and she makes it very obvious that she was just waiting for me to get home to bathe the baby.

[Caleb Hammer]

What time was it?

[Maylene]

Like, stuff like that, like 8, 8:30.

[Mike]

Okay.

[Caleb Hammer]

Well, as like he told he has a very strict 9pm cutoff time for any responsibility or conversations with you or the kids. Right?

[Maylene]

Yes. So 9pm Interesting rule.

[Caleb Hammer]

I don't know if you're allowed to make that rule, but. Okay. We were approaching his 9pm cutoff time. Crazy.

[Mike]

Well, that, that was a.

[Caleb Hammer]

So what happened?

[Mike]

Compromise.

[Caleb Hammer]

Oh, that was a compromise.

[Mike]

Yeah. So our youngest son started freaking out about a whole different.

[Maylene]

No, no. The second the, the middle one.

[Mike]

Oh yeah, the middle one started freaking out from a whole, A whole different issue. But he freaks out. He like has like crash outs.

[Maylene]

Yeah.

[Caleb Hammer]

His parents like kid.

[Maylene]

I mean, his crush. I was a little bit like, you

[Caleb Hammer]

guys are literally beating each other.

[Maylene]

I know.

[Caleb Hammer]

This is the fourth domestic abuse we're talking about so far. Oh, I'm glad we laugh about it.

[Mike]

That's.

[Caleb Hammer]

This relationship's gonna be incredible for the rest of our lives. Okay, continue. Though the sun is crashing out.

[Maylene]

He has to tell this part because.

[Caleb Hammer]

Tell it. Sure.

[Mike]

How do we explain it?

[Caleb Hammer]

I was not to say what happened.

[Mike]

He was crashing out and. I wanted to separate everything. Was it. I, I, I was keeping my cool. I wasn't, I wasn't upset or angry. She was upset and angry because of the.

[Caleb Hammer]

Because, because you walked in.

[Mike]

Yeah. So all of it Led up to me coming back home, it's late. And I, I was like, why didn't you bathe the kid yet?

[Maylene]

I was working, by the way.

[Caleb Hammer]

I feel like we're trying to be very delicate. Don't be.

[Mike]

Say it. Yeah, I just wanted to cool everything off and get her away. And I would tell my son, you can't crash out.

[Caleb Hammer]

Like that usually settles a Crash out. You can't crash out.

[Mike]

Yeah. But she was like, no, you can leave. And I went to get him.

[Caleb Hammer]

We're missing a lot of steps because everyone sounds very nice so far.

[Mike]

What I was thinking of was, oh,

[Caleb Hammer]

I can't believe you've done this.

[Maylene]

It's coming up.

[Caleb Hammer]

So.

[Mike]

So I try. I. I tried to separate them. She thought I was getting in her face.

[Maylene]

And she did get in my face because he was close.

[Caleb Hammer]

That's in her face.

[Mike]

My son was right there. So I had to get. I stepped in between them.

[Maylene]

No, he was.

[Mike]

I'm like, hey, you can leave. You can leave. You're too hot right now. Let. Let me, let me handle it, okay? And she was like, no, you're not going to tell me what to do. And then it started the fight and then she punched. I punched.

[Caleb Hammer]

What? No, no, a punch. Like punch, punch, punch. He like beat him, like in the face?

[Maylene]

Yeah.

[Sponsor/Announcer]

It's like I'm addicted to this.

[Maylene]

I don't know, I can't explain it to you.

[Mike]

You're addicted to punching you in the face.

[Caleb Hammer]

Why? Why would you punch.

[Maylene]

Cuz he got this close to my face and cussing me out, but I

[Mike]

was telling her to get away from Neanderthals. Like, you're too hot. Leave. Let me.

[Maylene]

No, you didn't say it nicely.

[Caleb Hammer]

So your kid was there and you literally punched him.

[Maylene]

Yes.

[Caleb Hammer]

And then you punched her?

[Mike]

Yes.

[Caleb Hammer]

Where'd you punch her?

[Mike]

Face. It was punch, punch, face, face, and then push up against the wall, come back and punch and then choke. Choke.

[Caleb Hammer]

What's the choke? What? Who Choke who?

[Maylene]

Me? Yeah.

[Mike]

She choked you. No.

[Caleb Hammer]

You choked him?

[Mike]

Yes.

[Caleb Hammer]

You're just sitting there, just choking.

[Maylene]

Yeah, I. I only remember, like I told him, I said, I can do this anymore. It's either you died today or me, like one of us has.

[Caleb Hammer]

What is with you and death? Getting people killed?

[Mike]

It was a house. It was a lot of years of.

[Maylene]

Yeah, it was a lot of domestic

[Caleb Hammer]

abuse back and forth, I would say.

[Mike]

So like me not. I wasn't helping him out at all.

[Maylene]

He's like out of picture and he will only show up when he's in good mood, but if it's in a bad mood, he would be with the kids and he would fall asleep on the couch.

[Caleb Hammer]

Oh, I'm being told, like the big snap happened to over discipline. Over disciplining your second kid, though.

[Mike]

Yes.

[Caleb Hammer]

What?

[Mike]

Because she was. That I didn't want her to discipline him because he was crashing out.

[Caleb Hammer]

She was over disciplining.

[Maylene]

I wasn't over discipline.

[Mike]

She was about to. I felt.

[Maylene]

Well, he felt I was about to.

[Caleb Hammer]

But I told him it was overdisciplining for you. It's hitting.

[Maylene]

What?

[Mike]

My.

[Maylene]

My kid?

[Caleb Hammer]

Yeah.

[Maylene]

No, I talked to him.

[Caleb Hammer]

That's over. Disciplining is talking.

[Mike]

No, she was just too hot.

[Maylene]

I was like, hey, he failed that. I was going to over discipline. I said no.

[Caleb Hammer]

I thought you mean hit.

[Mike]

No, I don't think she'd hit him. What's overdiscipline? She was just like yelling too much.

[Caleb Hammer]

Oh, she was screaming in his face. Ok. Yeah.

[Maylene]

But I told him, I said, no, I need you to get out of the room. I need to talk to him about it. Because it was.

[Mike]

But you're too hot. You can't talk to him right now.

[Maylene]

Well, that's what you think.

[Mike]

I got my cool, so let me talk to him.

[Maylene]

You don't got your cool.

[Mike]

You're too hot. You can leave.

[Maylene]

I don't even trust sometimes, like, I don't even trust him with the kids because he would jump in, jump in kids face, too, and yell at them.

[Caleb Hammer]

How much did you guys hit each other?

[Mike]

Huh?

[Caleb Hammer]

In that fight. How much did you guys hit each other?

[Mike]

That one? A lot.

[Maylene]

A lot.

[Mike]

Yeah.

[Caleb Hammer]

How long was the fight?

[Maylene]

Up until I got arrested.

[Mike]

Yeah.

[Sponsor/Announcer]

What?

[Mike]

Yeah.

[Caleb Hammer]

Who called the cops?

[Maylene]

He did. I did.

[Caleb Hammer]

So you guys were literally just endlessly, like full physical fighting?

[Mike]

Yeah.

[Caleb Hammer]

Well, until you called the cops.

[Mike]

Our son ran and got the neighbor. Neighbor came.

[Caleb Hammer]

Oh, my gosh.

[Mike]

Pulled her off, separated us. I shut the door. I grabbed the gun. She was getting a knife.

[Maylene]

You got the gun.

[Caleb Hammer]

She got the knife.

[Maylene]

I did not get a knife.

[Mike]

I thought she said she was. Cause she was like, you're gonna.

[Caleb Hammer]

Well, you got the gun regardless.

[Mike]

Yes.

[Maylene]

He put a. He put a machine gun right there by my nightstand. Huh. He put a. What was it? A machine gun right by my nightstand. I told him, I don't want it. So when the cops came in, they treated me like I was a crazy lady. Cause I had a big old.

[Caleb Hammer]

Well, yes, I think you were being a crazy lady. You started a fight and he had to call the cops.

[Mike]

So she got arrested.

[Caleb Hammer]

Yeah.

[Mike]

And.

[Caleb Hammer]

And so the trauma these kids are going through, I don't think you guys understand.

[Mike]

Yeah, it's bad.

[Maylene]

I. I do. I do.

[Mike]

Yeah.

[Maylene]

Do you? I do.

[Caleb Hammer]

How long were you in jail?

[Maylene]

How long? Yeah, I think it was two days. And then I was bailed out. And then the judge was like, oh, no, your bill is too low. So she sent me back again.

[Caleb Hammer]

Good. And you're a flight or not a flight risk. You're just a danger.

[Maylene]

But I would say my part as a lot is him. Checked out, huh? He checked out.

[Caleb Hammer]

No, you're being too Asian right now. I can't understand you.

[Mike]

What?

[Maylene]

He checked out from our life for 10 years straight.

[Caleb Hammer]

Like he checked out from life.

[Maylene]

Yeah, well.

[Caleb Hammer]

Yeah. You sound like you were being a complete failure. Father. We don't beat people.

[Maylene]

We don't. You're right. But. Okay.

[Caleb Hammer]

You don't sound real regretful.

[Maylene]

I mean, I don't want to justify with any reason, but there was a

[Caleb Hammer]

lot going on because I don't want to justify beating him, but.

[Maylene]

Yeah, but it's like, we've been through a lot. And then his dad passing and my dad passing.

[Caleb Hammer]

That's a sad part. I still don't think. I'm sorry. And I hope it's a long time from now, but when my parents pass and hopefully again, it's a long time from now. Not going to look at my girl and go, b.

[Maylene]

No, the.

[Caleb Hammer]

So.

[Maylene]

So the thing is, like, it was upsetting because I couldn't go home.

[Caleb Hammer]

I'm sorry.

[Mike]

She couldn't go home to see her dad.

[Caleb Hammer]

That's hard.

[Mike]

He was in Taiwan and I wasn't making money. I had a job and I wasn't working.

[Caleb Hammer]

You've been in retail your entire life.

[Mike]

Yeah, but I had a good retail job.

[Caleb Hammer]

What were you making?

[Mike]

Like.

[Caleb Hammer]

I made.

[Mike]

What was the customer service? 687, 76, 74,000.

[Caleb Hammer]

Oh, that's good. Maybe you should go back to that.

[Mike]

But that's really hard.

[Caleb Hammer]

I'm sorry that your dad passed. I'm really sorry. And that you couldn't see him.

[Mike]

No, it hurt her a lot because

[Caleb Hammer]

I just don't understand how that leads to domestic abuse.

[Mike]

Because I had that job and then I got a position in the sales position. I got to go from customer service to sales.

[Caleb Hammer]

So she beats you?

[Mike]

No, no, no. I went. I moved to sales, and it was all commission I made. So she beats you, but I just wasn't there. I did nothing. All the bills, all the stress, everything on her, me Leave me alone. This job and I'm in the.

[Maylene]

No.

[Caleb Hammer]

Yeah, you're a piece of shit. But you beat him.

[Maylene]

I mean, that's how I know growing up. But it's not right.

[Mike]

But. But she didn't get to go back to see her dad.

[Caleb Hammer]

Wasn't abused you.

[Mike]

Because I didn't.

[Maylene]

No, my dad didn't abuse me, but my dad beat up my mom. Oh.

[Mike]

And. But they were really close. She won't say it, but they were

[Caleb Hammer]

close to the dad that abused your mom.

[Maylene]

It's okay.

[Caleb Hammer]

I'm trying not to judge that.

[Maylene]

Well, because my mom is like. My mom likes my brother more.

[Caleb Hammer]

What, like Asian thing?

[Maylene]

Like he's a boy.

[Caleb Hammer]

So she was getting beat.

[Maylene]

Yeah, but she. She still favors. She favors my boy.

[Caleb Hammer]

So you're saying she deserved it?

[Mike]

No.

[Maylene]

Well, I'm kidding. I mean.

[Caleb Hammer]

What?

[Maylene]

No, no, she's not. But.

[Mike]

But.

[Maylene]

Yeah, so it was.

[Mike]

She still loved her dad and I. I couldn't help.

[Caleb Hammer]

Have you picked your favorite yet?

[Mike]

Huh?

[Caleb Hammer]

Have you picked a favor yet?

[Maylene]

My kiss? No, not yet.

[Caleb Hammer]

I still got time.

[Maylene]

We'll see.

[Sponsor/Announcer]

Old.

[Caleb Hammer]

It's only eight. You'll get there.

[Maylene]

Yeah, but.

[Mike]

So I couldn't help send her home to see her dad before he passed away.

[Caleb Hammer]

So she beats you? Well, no, you see how that works? That's the end. Like this. That's the conclusion that happened. And she just.

[Mike]

She had a lot stacked up on her. She did. Not defending it either, but she.

[Caleb Hammer]

But okay, so you're in jail for two weeks and finally, what, you got bail or what happened?

[Maylene]

I couldn't go home with my.

[Mike]

We had a protection.

[Maylene]

Yeah.

[Caleb Hammer]

Yeah, fair enough.

[Maylene]

And then CPS was involved and.

[Caleb Hammer]

Yes, fair enough. Beater.

[Maylene]

What else? Well, I just stay at my friend's house. My friend.

[Mike]

Her friend bailed her out.

[Maylene]

Two months. Two, three months.

[Mike]

Two months.

[Caleb Hammer]

So how to conclude?

[Maylene]

Oh, the case is dismissed. Because they were. They let me. The DA agreed for me to go back home about like two, three months after the incident. Why? I don't know.

[Caleb Hammer]

It doesn't sound like someone fit to be home.

[Mike]

Because he can't take care of the kids.

[Caleb Hammer]

He's home for very long.

[Mike]

I can't take care of the kids.

[Maylene]

Whoa.

[Caleb Hammer]

Well, okay, that's true. Maybe the kids should just be taken away. In general. I don't know how you guys are breeding and you want to have another one. We're literally on the fourth Domestic abuse. I'm sure there's more at that point.

[Maylene]

Yeah, just right now, I'm just like it. You can take Care of it all. Yeah, I'm not. I'm not.

[Caleb Hammer]

You just take care. I would. I would assume.

[Maylene]

Yeah.

[Caleb Hammer]

I mean, you are now probably just flash on the couch, medicated so that you don't get amped up and start beating people again. I. Yeah, I would agree. That's probably the best place for you.

[Mike]

So.

[Caleb Hammer]

Okay, so. And we know with how the finances. It's a mess. You guys are paying yourself before the employees. You're not taking care of them. You're being bad people. But even when the money comes in now, how is it dealt with? You just said, okay, let him deal with it. So how do you deal with it? What's going on in the household finances? We know the business is.

[Mike]

But the household finances, those are. They're kind of too.

[Caleb Hammer]

What's going on? Give me some insight. I'm not saying like a number, but like, what are you doing? You're getting paid. What are you doing? How are you managing the household finances?

[Mike]

Just hoping enough money comes in.

[Maylene]

What?

[Caleb Hammer]

That's not a strategy.

[Mike]

No.

[Caleb Hammer]

How are you doing it? When the money comes in, how do you manage the household's finances?

[Mike]

Just hope that it covers it all.

[Caleb Hammer]

He can't answer a question. Just what are you doing? The money comes in. What do you do?

[Mike]

Pay the bills. And if it's not enough, then I wait another couple of days to see if I can pay the bills. Then the. The house is like. The house is two months behind the mortgage.

[Caleb Hammer]

Why'd you literally spend. I think this is a thousand hours going out to eat if all we do is just pay the bills.

[Maylene]

That's a lot of corner store run for him.

[Caleb Hammer]

Nope, that's actually the miscellaneous bullshit part of the spending, which was approximately another thousand dollars.

[Maylene]

Was that groceries? No, that's not in groceries. Right.

[Caleb Hammer]

Ah, here it is. And this was. Isn't what? This is what you have not told me you get VA benefits.

[Mike]

Yes.

[Caleb Hammer]

There we go. Now that's an income source, which makes more sense. How the are we doing things without it? How much you get in VA benefits?

[Mike]

29.

[Caleb Hammer]

And what's the VA benefits? This just disability.

[Mike]

Disability.

[Caleb Hammer]

What did you do? What's. What was your service?

[Mike]

I was in the army and I did.

[Caleb Hammer]

When?

[Mike]

2007 to 2012.

[Caleb Hammer]

Okay. So. Okay, that's a little longer stint than the three years they did. What, five?

[Mike]

Yep. Okay.

[Caleb Hammer]

What was your position?

[Mike]

My highest position was sergeant.

[Caleb Hammer]

What were you doing?

[Mike]

Patriot missile operator. Okay. Air defense artillery. Blow shit up.

[Caleb Hammer]

Were you buying the screen?

[Mike]

No. Loading launchers. Yeah. Loading missiles.

[Caleb Hammer]

Loading missiles.

[Mike]

Yes.

[Caleb Hammer]

There I ask, was it you and another person lifting up missiles?

[Mike]

We had a forklift. They're big.

[Caleb Hammer]

So you're operating. So you were operating a forklift?

[Mike]

Well, I was. I was running around the launcher, pushing buttons to turn it on.

[Caleb Hammer]

Okay, you're running around the launcher pushing button. That was your job.

[Mike]

Yeah.

[Caleb Hammer]

I'm just clarifying. That was your job, running around the launcher, pressing buttons.

[Mike]

Yes.

[Caleb Hammer]

Good. You were not operating in a forklift.

[Mike]

No.

[Caleb Hammer]

You were not personally lifting missiles and putting them in because the forklift did that.

[Mike]

Well, it was physical. It was physical.

[Caleb Hammer]

You're running around pushing buttons. What was the physical part?

[Mike]

In the desert, and then jumping up on the missiles and make sure they're torqued down to the launcher? Yeah.

[Maylene]

He was in combat zone.

[Mike]

Huh?

[Maylene]

He was in combat zone.

[Caleb Hammer]

No, that's okay.

[Mike]

That's exciting. Combat zones. And.

[Caleb Hammer]

And, well, yes, I would assume so if you were loading missiles. Yeah, that sounds like combat. But you're mostly running around pushing missiles.

[Mike]

Yes.

[Caleb Hammer]

And sometimes you jump up and make sure the torque's down.

[Mike]

Yes.

[Caleb Hammer]

Right.

[Mike]

Yeah.

[Caleb Hammer]

That's it. That was your job.

[Mike]

Yes.

[Caleb Hammer]

What is your disability?

[Mike]

I had a traumatic brain injury. I fell off the launcher one time and I. I had a ghetto rigged screw in my helmet and the screw went in my head. Oh. And I had a traumatic brain injury.

[Caleb Hammer]

Okay. That might be like one of the first actually justified ones. See, that I support. Now, why are you not at 100%, but someone that was a cook and just got hearing damages at 100%?

[Mike]

That's a good question.

[Maylene]

It took a while to get.

[Caleb Hammer]

You're like the first one where it's almost justified.

[Mike]

Yeah.

[Caleb Hammer]

And are you sure your brain injuries from that and not just getting beat by her?

[Maylene]

I don't hit the head.

[Mike]

She punched the face.

[Caleb Hammer]

That's the hat.

[Mike]

Punch the face.

[Caleb Hammer]

Oh, she's trying to make jokes.

[Mike]

She tried to make jokes.

[Caleb Hammer]

Domestic abuse. That's great.

[Mike]

I love her. Yes.

[Caleb Hammer]

But.

[Mike]

But yeah, the. She got me to do the disability. I didn't even want to do it.

[Caleb Hammer]

Why? I mean, you were disabled.

[Mike]

I don't. I didn't like talking about it. And. And that. That, that perceived like.

[Caleb Hammer]

Show me your scar.

[Mike]

It's. It's on top. You can actually. It feels like a baby soft spot.

[Maylene]

I don't know. As bald as he is. I. I can see if you can feel it. Yeah, I can feel it.

[Caleb Hammer]

And then it's like a baby soft spot. So it did happen.

[Maylene]

He broke his shoulder too.

[Caleb Hammer]

It is real.

[Maylene]

Yeah. And was it.

[Caleb Hammer]

Okay, so that's coming in good. We at least have 2900 consistently. That's good. You were discharged from the honor. Really?

[Mike]

Discharged General under honorable conditions.

[Maylene]

Yeah, he got in trouble.

[Mike]

I did get in trouble. I was removed from. What'd you do?

[Maylene]

Guys, there's dispute.

[Mike]

There's two minors dispute. And alcohol to minors. What the.

[Caleb Hammer]

Why?

[Mike]

Who?

[Caleb Hammer]

Who? Who?

[Maylene]

Who?

[Caleb Hammer]

So we little Asians on the shore.

[Maylene]

Yeah.

[Caleb Hammer]

So ex wife left.

[Mike]

Ex wife was in Japan with me.

[Caleb Hammer]

Oh, you really? Ex wife left. The same kind over and over again.

[Maylene]

Okay, no ex wives from here.

[Mike]

Yeah, she's white and I hate it. Like we don't know white people anymore. But why white women?

[Caleb Hammer]

Why? I mean they are like freak cancel culture, tick tock weirdos.

[Mike]

Exactly that.

[Caleb Hammer]

And like what are they going to do to you?

[Mike]

Useless. And.

[Caleb Hammer]

Well, I wouldn't say that. I mean, I have one. She does a lot.

[Mike]

Your girlfriend's not Asian? No. But you like Asians.

[Caleb Hammer]

I like everyone.

[Mike]

Well, I assumed she was Asian.

[Sponsor/Announcer]

This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web. Like restoring a vintage motorcycle from a 50 page restoration block. Or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense. There's no place like Chrome. Check responses set up required compatibility and availability. Various 18

[Mike]

because I flirt with a lot of Asians that come on the show. Like the.

[Caleb Hammer]

Like the lesbian attractive ones. No offense. Let's be honest, the cost of living right now is absolutely insane. But if you are out here leaning on credit cards just to buy your groceries and fill up your gas tank, you are literally paying a 20% survival tax and high interest debt just to exist. Look, if you're a homeowner, my friends at American Financing actually have a way to get you out of this bs. They are helping people tap into their home equity to pay off high interest debt. American Financing is saving their customers an average of $800 a month. That is a much needed financial reset. There are zero upfront fees to find out what you could save. And you're talking to a salary based mortgage consultant. Meaning they aren't some pushy salesperson. They actually want to help. And if you start today, you may delay two mortgage payments. American Financing America's home for home loans and get your life together today. 866-574-2500. That's 866-574-2500. Or American financing.net hammer. My gamer subs flavor is finally here. It's called Liquid Assets and it tastes like raspberry apple and Success. Use. Use discount code Caleb to get 10% off your entire order plus free gifts you actually want. Drinkware stickers, full on apparel, even some seriously limited edition swag. And one out of every ten tubs has my face printed right on it. And the whole offer stacks up six times. The more you buy, the more you unlock and the better your chance to see my sexy face on your tub. Get 100 servings of delicious zero sugar, less than one calorie. Liquid assets for less than 40 cents a serving, plus all the freebies until they're gone. Gamersupps is fully stocked in shipping worldwide right now. All you need to do is head to Gamersupps GG Caleb or click the link in the description below. This stuff is a game changer. I flirt with everyone who's attractive. I can't stop myself. I'm a gooner.

[Mike]

The. The attractive thing. So whenever I met her, I met her online. Right?

[Caleb Hammer]

Okay, I don't care about that. You're serving alcohol to underage. Oh, yes.

[Mike]

So ex wife left Japan because we got divorced and then we're off post. We. With my buddies. We met girls off post.

[Caleb Hammer]

Underaged Asian girls and.

[Mike]

No, no, they were. They ended up being the daughters of high ranking people. Still Italian. Yeah, they were underage. We didn't know. We didn't know.

[Maylene]

It's at his house.

[Mike]

But they. We can. No, we didn't because we met them off post.

[Caleb Hammer]

And how old were they? And then the follow up question was and how old were they?

[Mike]

Actually like 16 and something. But yeah, so we went back to my house.

[Caleb Hammer]

16 and something. What was the something?

[Mike]

Probably 16, 17.

[Maylene]

Brother.

[Caleb Hammer]

Did you come?

[Mike]

No, my buddies did.

[Caleb Hammer]

And so you.

[Mike]

No, no, I did not. Oh, come in my house.

[Caleb Hammer]

Your buddies wouldn't. They're. No, no, no. Okay, come on, come on. Okay, but. Man, man, man, man. Pretend you don't know the ages. Shut up.

[Maylene]

The age.

[Mike]

Okay, there was two of us.

[Caleb Hammer]

There's 20, 23 year olds. We're all getting drunk together. They're friends and we're the only ones not. That's weird, right, everyone?

[Mike]

No, no, no. It was two. Two of them, three of us. The two. Yes, they did. I didn't get. I didn't. I didn't.

[Caleb Hammer]

Why you. Why were you left?

[Mike]

Well, I didn't know they were underage, so that wasn't.

[Caleb Hammer]

It doesn't matter. You didn't Know they were.

[Mike]

Yeah.

[Caleb Hammer]

So why were you left out?

[Mike]

I was just. I was.

[Maylene]

You had someone else.

[Mike]

Unlucky one.

[Maylene]

A lesbian. Yeah.

[Caleb Hammer]

No, I don't talk about that.

[Mike]

I don't talk about that.

[Caleb Hammer]

Why?

[Mike]

Yes. Okay. Wait. Yeah. Yeah. So I'll stay away from that.

[Caleb Hammer]

No.

[Mike]

Yeah.

[Caleb Hammer]

No.

[Maylene]

During this, she turned lesbian.

[Caleb Hammer]

Well, that's fine.

[Mike]

She wasn't underage.

[Maylene]

She looks. She's like a big dyke looking.

[Mike]

Okay, so I didn't do anything with the underage ones, but it was at my house. So I got in trouble for distributing alcohol to minors because they drank at

[Caleb Hammer]

my house before you definitely up. And number two.

[Mike]

Oh, that's when I met her. So because of that distributing alcohol to minors, I wasn't allowed to. I wasn't supposed to go off post for 45 days.

[Caleb Hammer]

Reasonable punishment.

[Mike]

Yes.

[Caleb Hammer]

And took my pay for 45 days reasonable punishment, so.

[Mike]

But I had already planned to meet her because we met online. So she was coming to Okinawa for vacation and she was looking for a military guy.

[Caleb Hammer]

Endless benefits, forever.

[Mike]

Yes.

[Maylene]

Yeah. This Asian part of me.

[Mike]

Yeah.

[Maylene]

Yes. Yes.

[Mike]

So I still went off post to meet her. I end up getting in a wreck off post when I was trying to go back to work.

[Caleb Hammer]

Why?

[Maylene]

And he has someone else that's already in trouble in his car and had opened.

[Caleb Hammer]

Well, we were both in trouble.

[Maylene]

His car. So it's not really me. Yeah.

[Caleb Hammer]

You're up.

[Mike]

Yeah. After the divorce, I kind of went ham over there and I got in trouble. I kept getting in trouble, and then it was separation time.

[Caleb Hammer]

Wait, when did the brain injury happen in relation to that?

[Mike]

2010. Like a year or two years.

[Caleb Hammer]

Wait, so was it a real traumatic brain injury? If we were allowing you to literally serve and load missiles for another two years?

[Mike]

Yes. What?

[Caleb Hammer]

That doesn't make any sense. If you were having actual brain issues, why were we letting you load missiles?

[Mike]

I don't know.

[Caleb Hammer]

Sounds like your brain injury magically appeared post service.

[Mike]

No. No. What?

[Caleb Hammer]

They wouldn't be allowing you to load missiles.

[Maylene]

Well, they didn't diagnose him with tbi. It's just like medical records and the medical records.

[Mike]

Yeah, it was all in the medical

[Caleb Hammer]

records that you got her. Not that you are hurt. Isn't disability for our hurt not got hurt and that the word disability is used for? I was on your side. You're losing me now. Because again, if you actually had an issue, you wouldn't be going out for the next two years.

[Mike]

Right after that. I mean, what?

[Caleb Hammer]

It was two years later, but 2010, you stopped in 2013. That's why 12.

[Mike]

Yeah, I was. Because it was overseas. Oh. When. When things happen overseas, it kind of just. Huh. Unless you did like something blown off or.

[Caleb Hammer]

No, if you had an actual injury, that was the thing.

[Mike]

Yeah, I could.

[Caleb Hammer]

Man, he lost me. I thought I finally had some.

[Sponsor/Announcer]

This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web. Like restoring a vintage motorcyc cycle from a 50 page restoration block. Or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense. There's no place like Chrome. Check responses set up required compatibility and availability various 18 plus.

[Caleb Hammer]

I was like, yeah, that makes sense.

[Maylene]

Let's do it for was close enough, right?

[Caleb Hammer]

No, he got hurt. He is not hurt.

[Mike]

I was hurt.

[Caleb Hammer]

Was. You're not.

[Mike]

I am. Yeah.

[Maylene]

No.

[Mike]

Yeah.

[Maylene]

It was pretty high, right? It was 20ft. 20. 20.

[Caleb Hammer]

He was hurt. You're not hurt.

[Mike]

I think so.

[Caleb Hammer]

What's your hurt?

[Mike]

The. The. Just the traumatic brain injury. Just everything. All the side effects of which are

[Caleb Hammer]

that you experience actually not made up. Right.

[Sponsor/Announcer]

Good.

[Caleb Hammer]

Okay. Oh, I love our country and how we spend money and how this is a golden goose that we're not even willing to question. You guys are a up couple. I know. The stress of the financial management and everything last time got you to separate from the finances.

[Maylene]

Yes.

[Caleb Hammer]

You need to get involved again and limit yourself and be medicated because this dude has no idea what the he's doing.

[Maylene]

That's why if I get back in again, he's gonna put everything on me.

[Caleb Hammer]

No, no, no, no. We have to do it balance together. We need to sit down on a monthly basis.

[Maylene]

He won't. We tried. We even went to marriage counseling before all this happened. He refused and everything she goes really complicated.

[Mike]

Like the Google sheet. It was like six years of me trying to understand the dang Google Sheet.

[Maylene]

It's not even complicated. It's every formula.

[Mike]

To be fair, I didn't really try, but it looked very complicated.

[Maylene]

It's just numbers. Huh?

[Caleb Hammer]

Just use our budgeting app. Just use our budget. There's two bad Rs. We're not supposed to say one starts with an R, one ends with an R. If you're the second R, that's fine. You know, that's just you. If you're the first R, I can prevent you from being that with the other ones. She says both. I'm sure you do Asians Are very racist.

[Mike]

Mm. Even against each other.

[Caleb Hammer]

Especially if you're in Houston. Maybe I would be too.

[Maylene]

I don't want to make any more comments.

[Caleb Hammer]

Not a great place, that town. What do you think your financial score is for the house? 0 to 10. 0 being the worst, 10 being the best.

[Mike]

3.

[Maylene]

You're at 1.5. I'm at 3.

[Caleb Hammer]

Going for the house.

[Maylene]

Oh, for the house.

[Mike]

3.

[Maylene]

Yeah.

[Mike]

I'm still strong with 3.

[Caleb Hammer]

Okay, take the score. Take the quiz. Caleb.com just been updated for new results. More granular and gets you more details. Check it out. It is free at calebhrammer.com, get your hammer financial score. And if you don't want to be like a guest who ends up on the show, make sure you download the Dollarwise budgeting app. Most people take the annual version because it saves a lot of money. And you get the physical version of my 30 day meal plan signed by me, mailed directly to you. And the digital version of the cookbook. Check that out. Links in the description below. Or just download Dollarwise or go to Dollarwise.com.

[Mike]

does it have Asian food?

[Caleb Hammer]

Yeah.

[Mike]

Nice. Nice.

[Maylene]

You don't even cook.

[Mike]

You cook good.

[Maylene]

You don't know how to cook. I had to. I had to do cooking. Taking care of the kids, pay the bills.

[Caleb Hammer]

We don't work anymore. Right. So you probably should be doing some more house stuff.

[Maylene]

Right? You got to contribute something about before then. Like, he don't even drop off the kids at daycare. He refused.

[Caleb Hammer]

What do you do now? I know he's pathetic. We've established that. But what do you do now? What is your contribution?

[Maylene]

The household, the chores, and then the. The kids. School. The kids.

[Mike]

She does company too. Yeah.

[Maylene]

Yeah.

[Caleb Hammer]

He doesn't make money as far as. Okay, I need to look at the company's books or something. Is that in here?

[Maylene]

I don't think so.

[Mike]

Yes.

[Maylene]

Is it?

[Caleb Hammer]

I'll think. Cause I'm gonna need to know. Okay, but I have a real estate loan. Loan care. That needs attention. Why is it in need attention? Guys, why is our house in need attention? Why is our mortgage in need attention?

[Mike]

It's two months behind.

[Caleb Hammer]

No, that's not funny. Why do you laugh at everything? I mean, why do you laugh at everything? That's actually one of the scariest things that could possibly happen. I'm sorry.

[Maylene]

Getting homeless, not good for me right now. I'm just like, oh, well, listen, I

[Caleb Hammer]

mean, it didn't come up, but it can come up now. I have a feeling you're not going to be able to move in with the parents again. Right, because they kicked you the out after you beat his ass, right?

[Mike]

Yeah.

[Maylene]

No, they didn't keep me out.

[Mike]

Yeah, they did.

[Caleb Hammer]

Yes, they did. That's what I'm being told. That's what he's saying.

[Maylene]

I'll just go home with my mom.

[Caleb Hammer]

Where's she?

[Maylene]

Taiwan.

[Caleb Hammer]

Okay, so you leave your entire family.

[Maylene]

I'll take the kids.

[Mike]

No, it's not. We're just, we're two months behind.

[Caleb Hammer]

Didn't your parents walk in on her beating you or something?

[Mike]

Yeah.

[Caleb Hammer]

Yeah. They kicked you out, right? They said you have to get out.

[Mike]

No, the. My brothers did.

[Caleb Hammer]

Oh, you're the brothers.

[Mike]

Yeah. The brothers stepped in and your brothers.

[Maylene]

They're jokes.

[Caleb Hammer]

He told Lindsay, by the way, that he's okay with you leaving him.

[Maylene]

Okay. I have my mom.

[Mike]

I don't want.

[Caleb Hammer]

Why would you say that?

[Mike]

Because I, I, I literally didn't do too much to help for a long time.

[Caleb Hammer]

You're okay with her leaving you?

[Maylene]

No.

[Mike]

No, because I don't want her to leave.

[Maylene]

No.

[Caleb Hammer]

Why'd you say that, though? You said you were okay with her leaving you. You said that pre interview.

[Mike]

It was understandable because I, I was.

[Caleb Hammer]

Hey, buddy. You said it. Why did you say that?

[Mike]

Because I didn't help for like 10 years.

[Caleb Hammer]

It was in this room before we filmed. I'm being told that you said you would be okay with her leaving you.

[Mike]

I didn't help for 10 years. I'm trying.

[Caleb Hammer]

Why are you okay with it, is what I'm saying. Like, that's pathetic. That's like the end of a relationship.

[Maylene]

He's probably thinking, he just set me free so I don't have to take care of him.

[Caleb Hammer]

I'm sure you'd love to move back in with mommy so you can play video games all day and be pathetic.

[Mike]

That's what I would do. Yes.

[Caleb Hammer]

Is that what you would actually prefer than having a man up?

[Mike]

No.

[Caleb Hammer]

I think so.

[Mike]

If it did happen, I would definitely go back play Rust live at mom's house.

[Maylene]

Mom has extra bedroom.

[Caleb Hammer]

I love Russ. And I appreciate the little gift you got from me for me. Like, this is really cool. Okay. Rust is good. We love Rust.

[Mike]

It's not just good, it's the best.

[Caleb Hammer]

It's good. It's great. I love it.

[Maylene]

It's.

[Caleb Hammer]

It's fantastic. Okay. Thank you for this. I didn't know it was coming from someone that beats his wife, but. But thank you for this. And it's a great game. I don't think I'D give up my entire family and be a complete loser. Wow, that's not a good response. Yikes. That would actually. Big red flags there.

[Maylene]

I mean, I'm on my medication, so everything's.

[Mike]

Oh, well, I have to stay away from it. I had to, like. It was like cold turkey.

[Caleb Hammer]

Okay, so let's take a look at this house. So you owe $2979-282902-90290 or 298. That's what we bought it for.

[Maylene]

No.

[Caleb Hammer]

Why don't you guys buy it?

[Mike]

320.

[Caleb Hammer]

We bought it at 319 height. What's your monthly payment on this? It's worth 309. So you would actually have to write a check to sell this house.

[Maylene]

2592 per month to be exact.

[Caleb Hammer]

You'd have to write a check to sell this house. So you're behind. And if you sell it, you're.

[Mike]

We have to. Why would we have to write a check to sell the house?

[Maylene]

The closing costs and all that.

[Caleb Hammer]

Everything. Everything. Commissions, titles.

[Maylene]

Yeah.

[Caleb Hammer]

6%, typically to the realtor. That's on you. Seller usually pays for the full 6%. You can negotiate that now with some rules that were changed. Like what, one or two years ago. You could get 3% to be paid by the seller. You could even get the full six. But it's. It's not really from the buyer, but it's not really a seller's market. So you're likely gonna have to eat that cost.

[Mike]

I wanted to sell the house too.

[Maylene]

I don't.

[Caleb Hammer]

What's the disagreement on that?

[Mike]

I want to get land.

[Maylene]

I'm okay with land.

[Caleb Hammer]

But this would be the commission you'd have to pay, plus other fees. You only have an equity position in the house of. Of $11,000.

[Mike]

Yeah.

[Caleb Hammer]

So you'd have to write a check for maybe $20,000 to sell this house. You would have to come up with $20,000 to sell this house.

[Mike]

That's crazy.

[Caleb Hammer]

And yet you're behind on the house of which three kids live in. This is pathetic. Go get a job. Go get a job. His family. Drop off the kids to be watched. Right? Right. Or something.

[Maylene]

His mom will.

[Caleb Hammer]

Will not. Why?

[Maylene]

Because his brothers.

[Caleb Hammer]

Yeah, because you beat him.

[Maylene]

Yeah, that's part of the reason.

[Caleb Hammer]

Part of the reason. What's the other reason?

[Maylene]

Well, they've always. They've always thought that we are taking advantage of his mom in terms of like taking care of kids wise.

[Caleb Hammer]

Yeah, probably. But you might need it now. You need to go make money

[Mike]

The. The company brings in. The company makes about 15,000amonth.

[Caleb Hammer]

Yeah, but you don't even know where the expense is going, what the margins are. You are literally behind on payroll and your own mortgage. And now I'm also being told two months on electricity.

[Mike]

Yes.

[Caleb Hammer]

So what?

[Maylene]

The.

[Caleb Hammer]

The business makes money. No.

[Maylene]

Quit.

[Caleb Hammer]

Go get a 75,000 hour a year job again at best buyer. Whatever the fuck you're doing. Get that tomorrow. Your business has failed. You have failed. You're a failure. Accept it. Grow up. Get a job. Working for someone who's better at running a business.

[Mike]

I think I just got to get better at running the business.

[Caleb Hammer]

No, no. You're about to get foreclosed on. No, no. You don't have time to be a business owner. You don't have time.

[Maylene]

Will we get foreclosed on?

[Mike]

No.

[Maylene]

Yes. Because like we will.

[Caleb Hammer]

No. What do you mean no?

[Maylene]

We're still making payments. We just two months behind.

[Caleb Hammer]

So you just aren't able to. You're permanently two months behind because you can't catch up.

[Mike]

Yeah.

[Maylene]

Yeah.

[Caleb Hammer]

Well, I mean, that'll give you some wiggle room. But look how close you are. All it takes is a couple weird things to happen with the business. And yes, you will get foreclosure. And being behind on an electricity bill two months. You've had water and gas shut off in your house before. How many times? Like, that's insane. Yes. Do not assume you were that far away from foreclosure. Guys, look how close you guys are today. You've had utilities turned off multiple times.

[Mike]

That she's going to get her tax refund soon.

[Caleb Hammer]

And then we'll be glad I'm paying for his failed business and household. Why the. This is so culture. So.

[Maylene]

Yeah, it's.

[Caleb Hammer]

Everything is so backwards.

[Maylene]

It was a lot of debt, huh? It was a lot of debt. Well, it is still a lot of debt, huh. That we have.

[Caleb Hammer]

So what's your refund gonna be? I mean. Yeah, you're gonna get a big one because refund, as in subsidy for me, by the way.

[Mike]

8,000.

[Caleb Hammer]

Yeah, that's not gonna fully. It'll. Well, with utilities and being behind and. Okay, and to be clear, even if that does catch us up, which by the way, it's June where the is.

[Mike]

Cause they had to verify her identity.

[Maylene]

It's weird because we file like I filed the end of the April and then it just get delayed. Usually like 21 days.

[Caleb Hammer]

But even if it does catch you up, that doesn't actually change anything because you'll end up Here again. Because you're here now. Your business is going to be just as six months from now, you'll end up here again. You're not changing anything that got you here in the first place. So that check might catch you up, but it's not going to change anything permanently.

[Mike]

I think. I think we'll be okay.

[Caleb Hammer]

Oh, good. That's an incredible strategy.

[Mike]

The. The business has done nothing but grow.

[Caleb Hammer]

But you are behind on payroll. You are behind on payroll. How can we have this optimism if you're behind on payroll? That is a literal fact.

[Mike]

Today I just have to figure out the finances.

[Caleb Hammer]

You can tell me your business has grown if you can't even figure out the business. The finances, dude.

[Maylene]

Yeah, He. What a Never good at numbers.

[Caleb Hammer]

What a joke. What does this discover? I have a discovered payoff schedule. What does this discover?

[Mike]

That's everything.

[Maylene]

What?

[Mike]

Huh? Discover it.

[Caleb Hammer]

What? Oh, Discover it. I don't. I just have the statement.

[Maylene]

Is that the car? That's the card.

[Caleb Hammer]

Are you guys sending me numbers on pages instead of the statement? I can't give you a well rounded analyzation of everything if I don't. Yeah.

[Maylene]

Dude.

[Caleb Hammer]

Why are you just giving me numbers? I need to see where money's being spent. Guys. What is this? What am I supposed to do with this shit?

[Maylene]

He send it.

[Caleb Hammer]

What is wrong with you? No wonder you can't get your shit together. You can't even send me what I need.

[Mike]

I thought that was everything. I thought I had.

[Caleb Hammer]

What is this? The minimum payment. No, it's not. Discover it. Pull it up on your phone. You. I can't do anything. This is. This is his desired payoff schedule. That means nothing. What?

[Maylene]

You. You.

[Caleb Hammer]

Oh.

[Mike]

Oh.

[Caleb Hammer]

How did you not follow our instructions? Oh, the absolute morons that come on this show. It blows my mind. K.comsupply it blows my mind. You guys are crazy.

[Maylene]

Which one's that one?

[Sponsor/Announcer]

Discover.

[Maylene]

Discover. We have two. We have one person alone. And then the Discover card.

[Caleb Hammer]

I don't know. He just put Discover because he's a. Okay. Well, it's. It must be the loan then. Do you know how to get to the loan? You pathetic.

[Maylene]

Oh, hey. Account.

[Caleb Hammer]

Because that's 15,000, which is double what this is.

[Maylene]

It won't let you click.

[Mike]

No.

[Maylene]

Defaulted.

[Mike]

Probably

[Caleb Hammer]

it's defaulted. What is this payment amount thing?

[Maylene]

410?

[Caleb Hammer]

Yes. Is that the minimum or is that what you want to put towards it? Because it doesn't make sense. It's only a couple years. That's obviously not a credit card.

[Maylene]

So it's A consolidation loan.

[Caleb Hammer]

This is a discover consolidation loan. Yes, but it's defaulted. You said.

[Maylene]

Yeah, yeah.

[Caleb Hammer]

Oh, what? So your payment plan, it doesn't exist? It's defaulted.

[Maylene]

You.

[Caleb Hammer]

Aren't you considering consolidating again? I thought I saw that.

[Mike]

That was the first consolidation and you're consult.

[Caleb Hammer]

How many consolidations have you done?

[Mike]

Three.

[Maylene]

Yeah. The third one is freedom.

[Caleb Hammer]

Listen, we we off. We have a marketplace of great personal loans. I like debt. I take that debt is good if you can use it right on Caleb Hammer dot com. Check it out. That's for people who can manage it. You clearly cannot. Consolidations are not working for you.

[Sponsor/Announcer]

You.

[Caleb Hammer]

You do not fix the behavior that got you there in the first place. So you keep consolidating. What the is wrong with you guys? Why are you even considering another one today?

[Mike]

Huh?

[Maylene]

He.

[Mike]

Huh.

[Maylene]

He's considering it.

[Mike]

No, it was either just don't pay anything or consolidate or just go get a job.

[Caleb Hammer]

I'll get you a course career certification. Both of you and whatever you want. Trades, tech, construction, whatever. It's really good. People in the audience have converted them into six figure jobs or raises. I'll get you that course careers is amazing for certifications. Take that. Go get a job. Your business is a failure. Then pay.

[Mike]

I'll keep scooping poop, but she can.

[Caleb Hammer]

Oh you. You're more. You more care about following the dream than keeping the roof over your kids heads.

[Mike]

I think.

[Caleb Hammer]

Oh, did you hear? Yes. Because he was saying yes.

[Mike]

I think it'll all come together.

[Caleb Hammer]

That's not a strategy nor an answer to my question. Ladies and gentlemen, I got something new to help you that we have personally built. Right here on calebhammer.com we have new Caleb Hammer Financial resources. They are the ones I would personally use, which is why we made them for you to use. As you've already heard me talk about, personal loans are okay when you're good at debt. I personally use them when. When I can leverage them for a situation. So we have good personal loans on calebhammer.com we also have auto insurance. Now you can check for free and see if you can save a shit ton of money on auto insurance. Remember, none of this actually matters if you continue the same bad behavior. So it's not for you if you still suck. But if you've proved you can budget, check out these programs from personal loans to car insurance to see if you can save a shit ton of money across the board. Go to Caleb hammer.com or the Caleb Hammer Financial Resources part of the pinned comment or Description below and save a shit ton of money. 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. 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 Gamer.

[Mike]

Literally.

[Caleb Hammer]

The cherry flavor is insane. Listen, you can also get free samples to see if you like it. Or 10% off your order at gamersupps gg or click that link in the description below. Type in code. Caleb. Oh, okay.

[Maylene]

Wow.

[Mike]

Wonderful.

[Caleb Hammer]

That's great. Why'd you get a critical health notification?

[Mike]

Mo Medicine.

[Caleb Hammer]

Are you on?

[Maylene]

We're on the same thing.

[Mike]

SSRI stuff. Just anti depression.

[Caleb Hammer]

Freedom Debt relief. So here's another Consolidation, huh?

[Mike]

Yes.

[Caleb Hammer]

4,600. What's your minimum? I wish you could send me the statement so I could see it, but what's your minimum?

[Mike]

4,600.

[Caleb Hammer]

What's your minimum payment? Dumbass. Stupidest person I've ever met. That brain damage is real.

[Mike]

1100. 11 weeks.

[Maylene]

1147 to be exact.

[Mike]

Every two weeks.

[Caleb Hammer]

You're telling me it gets paid off in two months?

[Mike]

No, no. It's 170,000.

[Caleb Hammer]

What is Total debt. What is total.

[Maylene]

All the cards.

[Caleb Hammer]

No, you guys. You actual stupid people. You guys. How are you this stupid? Freedom debt relief of 4,600. What is your minimum payment for that?

[Maylene]

No, so that's the. That's the program. And then we pay.

[Mike]

We pay 1100 every two weeks.

[Caleb Hammer]

Shut up. So Freedom debt relief gets paid off and. Two months then.

[Mike]

No. Four and a half years.

[Caleb Hammer]

No, you. You gave me a balance of 4600. What is the payment then?

[Maylene]

1147.

[Caleb Hammer]

You wrote it.

[Maylene]

Two weeks.

[Caleb Hammer]

That doesn't make sense.

[Sponsor/Announcer]

You wrote.

[Caleb Hammer]

You wrote it on this page. The balance. 4600.

[Maylene]

That's what they have in their account to pay the settled amount, right?

[Mike]

Yeah, Something. But.

[Caleb Hammer]

Huh?

[Maylene]

No.

[Caleb Hammer]

Okay, listen, listen. Hey, you actual stupid people, you wrote on here. Freedom debt relief. 4200 or 4600. Usually to me that means the balance. What are you saying?

[Mike]

It means that's what I've put into paying the debt.

[Caleb Hammer]

Okay, Why'd you just put it on a piece of paper with no context then? Because to me it looked. I thought it was a balance. That's what usually people mean.

[Mike]

Yeah, there's.

[Caleb Hammer]

So that's nothing. It's insignificant.

[Mike]

Yeah.

[Maylene]

Okay.

[Caleb Hammer]

We Have a closed credit card?

[Mike]

Because I paid 4,600 towards debt.

[Caleb Hammer]

So what are you saying is okay, that's your progress towards it, which I guess you didn't notate. You just put a number on a piece of paper with the title. Yeah, which meant nothing to me. Okay, so what is owed on Freedom debt relief, then?

[Mike]

170,000.

[Caleb Hammer]

Okay, those programs can be good, depending. But that's insane. And your minimum is 1100 every other week.

[Mike]

Yes.

[Maylene]

11. Yeah, 11. 11.

[Caleb Hammer]

What is it?

[Maylene]

1147.

[Caleb Hammer]

Why didn't you just write that on a piece of paper, you dumbass?

[Mike]

Yeah, he said it's. It's that.

[Caleb Hammer]

So here's the cards that go into

[Mike]

the, what, three payments? Like, the first month we signed up is three payments.

[Caleb Hammer]

So that's your second consolidation. You're considering a third?

[Mike]

That's the third.

[Caleb Hammer]

That was the third. You're considering a fourth?

[Mike]

The second. I don't even remember that.

[Maylene]

The second is the. Yeah.

[Caleb Hammer]

Why learn anything?

[Maylene]

American Express Personal Loan.

[Caleb Hammer]

So here's the cards that are in it. So all we know is a stacks of to 170,000. There's. Auto loans are in it. Auto loans are in it? Yeah, auto loans are in it.

[Maylene]

Which one is it? No, that's the lease.

[Mike]

Ah.

[Caleb Hammer]

You guys suck. You guys suck at preparing to come on a show. Okay, so never mind. These are not the ones in it. Why didn't you write the bill? Okay, okay. You said Navy Federal is 23,000. Where is that? Is that in the consolidation?

[Maylene]

Yes.

[Caleb Hammer]

There's no context to any of this. Other loans. $2,000. What is this? I'm just going to have to baby you and ask you now.

[Mike]

Oh, best egg. Oh, 2000.

[Caleb Hammer]

Is it active or it is in the consolidation?

[Maylene]

Active.

[Mike]

That's active.

[Caleb Hammer]

You guys, that was.

[Mike]

Was for my truck wrap for the company.

[Caleb Hammer]

You're scooping poop.

[Mike]

It looks good.

[Maylene]

No, I told him not to, but he had to get it.

[Mike]

She was at work.

[Caleb Hammer]

Show me and show me. Just show me. Yo. 2032 for it. What's your minimum payment on Newegg?

[Maylene]

98.

[Caleb Hammer]

Do you know the interest rate? I would love to see. You just won't send me statements because you suck at this show.

[Maylene]

Um, last time I checked, I think it was like, 12%.

[Caleb Hammer]

Dude, this looks like a middle schooler dinner. Are you actually kidding me? Unlock your phone, anime freak. Dude, it looks like a middle schooler just drew on a truck. It's just a big American flag. It has nothing to do with scooping poop.

[Mike]

I got a. A Sign up top to look a light up sign. It says we scoop.

[Caleb Hammer]

You laugh at this. I ordered those drugs are doing. I wonder can we scoop that poop?

[Maylene]

I made that.

[Mike]

It's pretty cool. Yeah, she made that. The topper. Well, she. She made the design.

[Caleb Hammer]

You guys need to start feeding each other again. This is getting pathetic.

[Mike]

But the.

[Maylene]

The.

[Mike]

The wrap.

[Caleb Hammer]

What's the interest on Newegg?

[Maylene]

I think it was 12%.

[Caleb Hammer]

Oh, you guys suck. Good thing you're kid. Oh, wait, no, this is.

[Mike]

I got that one on my own.

[Caleb Hammer]

Shut the.

[Mike]

I wish she was at work.

[Caleb Hammer]

I see auto loans. Good standing. Toyota 7429.

[Mike]

That.

[Caleb Hammer]

Is that the truck I just saw?

[Mike]

Yeah.

[Caleb Hammer]

You wrote this on the paper, Dude.

[Mike]

Yeah.

[Caleb Hammer]

Lease, lease, lease. What's your minimum?

[Maylene]

3:10 on the truck. Why am I answering all these numbers? You're so you.

[Caleb Hammer]

Because you're the Asian.

[Maylene]

You took. You took over. You should be able to do that.

[Caleb Hammer]

He should and he can't. Have you learned something yet?

[Maylene]

Stupid ass.

[Caleb Hammer]

Business. Blue or blue Business?

[Mike]

Yes, Blue business.

[Maylene]

American.

[Mike]

American Express. That's a business card. I don't. I don't use it anymore. Well, because it's max. That's because you are over your limit.

[Caleb Hammer]

Not because you actually changed something and improved your life. $2002.52 minimum monthly payment. $60 charges fees. Stupidity.

[Mike]

Foreign.

[Sponsor/Announcer]

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[Maylene]

That's a lot.

[Caleb Hammer]

It's a lot.

[Sponsor/Announcer]

Okay.

[Caleb Hammer]

The synchrony that must be in the thing because it's closed, right?

[Maylene]

Yes.

[Mike]

Yeah.

[Maylene]

Wow.

[Mike]

She.

[Caleb Hammer]

You can't answer a single question. It's just her. Discover it. This is the statement you sent. Okay. This is the one I saw on your phone. You stupid piece of shit. I can't not insult you. You are one of the stupidest people I've ever met in my life. Okay. You're making the minimum. You owe $16,119.56 with a minimum monthly payment of $317. Yeah, that's going to be hard. You. Luckily interest is low. You must have called them, got on low interest. He used 42 years to pay Off.

[Maylene]

We used that card for the business. Yeah. And then I called Discover to ask them for any promotional apr. Yep.

[Caleb Hammer]

And they did so. Well, you just got. Yep. At zero percent. So before you default, call the card. I don't know why people aren't willing to do that. Oh, you started putting a ton of money into Facebook. Google Ads as well. How much for you even take home money to pay your bills?

[Mike]

How much first? About a thousand. A month.

[Maylene]

Yes.

[Caleb Hammer]

Are you even tracking it all?

[Maylene]

Even know we use Monarch for business.

[Caleb Hammer]

Oh, I hate you guys. Is this in the consolidation? It says need attention.

[Maylene]

Yes.

[Mike]

That one.

[Maylene]

Yes.

[Mike]

Capital One. Oh, that's business, too.

[Maylene]

Credit one is. No, that's not.

[Mike]

No.

[Caleb Hammer]

Credit One.

[Maylene]

Capital One.

[Caleb Hammer]

Credit One.

[Maylene]

No, it's a Capital One.

[Caleb Hammer]

Capital One.

[Maylene]

That one is Business.

[Mike]

I don't know what that one is.

[Caleb Hammer]

No. Is it in the consolidation?

[Maylene]

I don't think. Oh, yeah. That one is. If says Needed attention. Yeah.

[Caleb Hammer]

Okay. What is the cbdna?

[Maylene]

That is. I think it's Best Buy.

[Caleb Hammer]

Oh, good. I wish I could see the statement. $1,585. What's your minimum monthly payment?

[Maylene]

That one's in default. That one's in.

[Caleb Hammer]

It says in good standing.

[Maylene]

Is it?

[Caleb Hammer]

Yes. Thd.

[Maylene]

Oh, no, that's a Home Depot.

[Caleb Hammer]

What's the minimum payment?

[Maylene]

Thing was like $60. Yes, you have. It's on auto. It's on Auto Drive.

[Caleb Hammer]

USAA. That's SB.

[Maylene]

That's me. That's question nine.

[Caleb Hammer]

What's the minimum monthly payment?

[Maylene]

15.

[Caleb Hammer]

I hate you guys. No, I don't. Yes, I do. Kind of Amex. In good standing. No statement. Of course.

[Maylene]

How much is it?

[Caleb Hammer]

$2,434. What's the minimum?

[Maylene]

It makes 35.

[Caleb Hammer]

That's crazy. I don't ever be paid off. Navy Federal Credit Union closed. That must be in the consolidation, right?

[Maylene]

Yes.

[Caleb Hammer]

J.P. morgan Chase card closed. 6000. Must be in consolidation. CB NA card. 3200. Must be in consolidation.

[Maylene]

It is close.

[Caleb Hammer]

Same with the city of 3,000. Right. Okay. Oh, my goodness. It just never ends. Okay. I have OAG child something. 6942 in good standing. What is that?

[Maylene]

Child support.

[Caleb Hammer]

You owe on child support?

[Mike]

Yes.

[Caleb Hammer]

What is wrong with you?

[Mike]

After I got out the W2 job,

[Caleb Hammer]

What you owe on. You're the guy on the other side. When I hear didn't talk to the woman, that's like, he's not paying. Why aren't you paying? Why are you not paying?

[Mike]

I need to pay it. I just. I.

[Maylene]

Good.

[Caleb Hammer]

Why are you not paying?

[Maylene]

It.

[Caleb Hammer]

That did not answer my question.

[Mike]

Well, they. They made it really difficult to pay.

[Caleb Hammer]

Okay, why have you not paid?

[Mike]

Because I can't just pay the state. I have to pay. A third party thing. Good.

[Caleb Hammer]

Why haven't you. Why haven't you paid $6,942?

[Maylene]

Because he doesn't like his ex wife.

[Mike]

Yeah, I just don't.

[Caleb Hammer]

Well, that's okay. You still have to pay child support for the sake of your kids, you pathetic worm.

[Mike]

Yeah.

[Caleb Hammer]

Yeah. That's all I get.

[Mike]

Whenever. Okay, so they don't even call me dad, don't care.

[Caleb Hammer]

And this is your responsibility. You busted the nut.

[Mike]

That'll get paid.

[Caleb Hammer]

That's not an.

[Mike]

I just have to get everything taken care of first, and then I hope

[Caleb Hammer]

the courts come after you and garnish you. You're pathetic. That's your responsibility as a man. You're not being a man right now. You're being a little pussy bitch. Pathetic.

[Mike]

I'll pay it.

[Caleb Hammer]

No, you won't. Doubt it. Credit card limit $20 spending a thou. Wait, whoa, whoa, whoa.

[Maylene]

What? That's.

[Mike]

That's like a. Yeah, you can only spend what you have and then they take it. Oh, okay.

[Caleb Hammer]

It's more like a charge card, but a lot of expenses. What's this business card doing, ladies and gentlemen? Let's find out what a successful business spends money on. Popeyes, Uber Eats, Malt Gaik, Burger King, Unico. Auntie Anne's. Auntie Anne's.

[Mike]

For poop.

[Caleb Hammer]

For picking up poop. For picking up poop. Bubble Tea House. Tractor supply, maybe Tractor supply. Maybe. Actually anthropic. Using Claude to pick up poop. I didn't know I could do that yet. Tory Burch, Bubble Tea House. Going inside the gas station, getting some bullshit. What are you getting inside the gas station getting some bullshit energy drinks.

[Maylene]

All right.

[Caleb Hammer]

Pathetic piece of shit. When does it come out, Brandon? July 24th. If you haven't had it yet, here's gamer subs. But we have the. Finally, the Caleb Hammer flavors out. Look at this. See the one with me? Every one. One out of every 100 purchases will get the special edition with me on it. The rest will get the typical dumpster fire liquid assets. It is the most delicious flavor. We were curating that shit for months, picking and choosing, doing blind taste tests, and we curated the most amazing flavor. Check out the liquid asset. Caleb Hammer gamer subs. It's 40 cents a serving. Instead of stopping in and getting the energy drinks you can't afford, just like making your coffee at home instead of Getting Starbucks. You piece of shit. You get gamer subs. Use my discount code. Get free samples to figure out what flavor you like. But I promise you the best one is liquid assets. Okay. Popeyes again. Water burger. Karaman. So this is. These are business expenses for picking up poop, mind you. Yeah. The IRS should destroy you. Energy drinks. Energy drinks.

[Mike]

Water burger.

[Caleb Hammer]

Energy drinks. Energy drinks. Energy drinks. Bodega Energy drink. Probably another business account. What did we get on his business spending? The IRS is going to eat you alive at some point and you will deserve every moment of it. And I can't wait. Especially since I'm subsidizing your household. You pathetic bald piece of.

[Mike]

I paid the taxes

[Caleb Hammer]

you are abusing.

[Mike]

All right, well, I.

[Caleb Hammer]

The money you are paying taxes on is less because you spend your own personal spending in your business account. That is not for your business. Energy drink. Energy drink. Energy drink. Energy drink. Jack in the box. Amazon Frozen dugout to pick up dog poop. Energy drink. Tractor supply. Maybe sprouts for picking up dog poop. I don't get it. My IQ twice.

[Maylene]

Where is that?

[Mike]

That was us doing the IQ test

[Caleb Hammer]

to pick up dog poop.

[Maylene]

I forgot about it.

[Mike]

Yeah, we both did that.

[Caleb Hammer]

Oh, your Chase. Is this our personal.

[Maylene]

No.

[Mike]

Business.

[Maylene]

Yes. Which one?

[Caleb Hammer]

Business or personal?

[Maylene]

Business.

[Caleb Hammer]

Okay. Your business started negative 247. You're saying it's growing. Go yourself and your business. You are bad at business. Stop. Okay. Here's. Here's our business spending checking account, ladies and gentlemen. So we can pick up Spoop. We're scoop some poop. What do we do? Just love coffee. Just love coffee. A lot of Facebook ads. That makes sense. Google Ads. I mean I. You. You can't even tell me how they're performing. So I probably wouldn't do it yet. I would like contract like a third party expert on that.

[Mike]

We did. But they're expensive and they are.

[Caleb Hammer]

But you are literally throwing money into the ether.

[Mike]

She's doing better than they were doing.

[Caleb Hammer]

What's your customer acquisition cost?

[Maylene]

I think right now is about. I forgot.

[Mike]

80. 81. $81.

[Maylene]

We slowed down on that on the

[Caleb Hammer]

ads because we don't even know that number. You're guessing. You think like what are we doing? Energy drink. Energy drink. Energy drink. McDonald's Uber Eats. Chick fil A. Chick fil A. McDonald's Jack in the Box. Mind you. To pick up dog poop. Energy drink Chronicle. Popeyes.

[Mike]

Bullshit.

[Caleb Hammer]

Beach Energy drink. Energy drink. McDonald's. Lots of potential.

[Mike]

Bullshit.

[Caleb Hammer]

Academy Sports. Outdoor maybe. I don't know. Twilio yeah. Okay. Jack in the Box. Chatgpt. You have Claude and Chatgpt to pick up. Dog poop. We Inc. We.

[Mike]

Oh, that's the food.

[Caleb Hammer]

What is it?

[Mike]

The groceries.

[Caleb Hammer]

Groceries.

[Mike]

Yeah.

[Caleb Hammer]

She's getting her groceries through your business account. Irs. Do you hear this? And we are giving them a chunky refund because they are choosing to run a failed business will not pay taxes on the money they're actually earning because they write all this off. Okay. All day shirts. Energy drink Academy. Sports Apple Bill. Wrap Mate. Water Burger. Energy drink. Just love coffee. Just love coffee. Energy drink. Energy drink. Marshalls.

[Mike]

Kohl's.

[Caleb Hammer]

Zapier. Okay. Maybe Amazon Donut Energy drink. Bullshit. Bullshit. Burger King. Amazon Review Harvest Lawn Doctor. Finally. Actually might be something cloud on here. You have clot on here and on your credit card. You suck at everything. You suck at actually everything. Young Chef's Academy. $233. What's that?

[Mike]

That's for our son goes to do your business account. Yeah.

[Caleb Hammer]

That he deducts from his profits so he pays less in taxes which lowers your household income, which gets you a higher return. Return. Are you guys getting How America Works yet? It's pathetic. We need a redo on our entire tax system and benefits for people like this.

[Maylene]

Dude.

[Caleb Hammer]

I got my fractional CFO basically yelled at me because I accidentally spent a couple meals that were my own personal meals on my business card. And it actually was an accident. It was this wrong connected. Apple pay. You guys are be able to get audited. What? There's a credit card? I have another debt. Blue Cash every day.

[Maylene]

That's yeah.

[Caleb Hammer]

Good death guys. Good absolute death credit limit. Previous. Okay. Yeah. Oh, you're just under. Okay. $2,434.27. You did get fees. You did get interest. Your minimum payment is 110. Good death, guys.

[Mike]

Yeah.

[Caleb Hammer]

Hit return payment fee because you didn't have enough money in your checking account. Because you guys suck. Oh, personal checking account. $1.68 in there.

[Maylene]

Yeah.

[Caleb Hammer]

You guys will get evicted. Not evicted with foreclosed on. Good thing this is our personal. At least we did this on personal. But here we go to the bullshit spending again. Remember when they said they didn't have enough money to pay your employees? I hope your employees see this right now and see that you guys spend minimum on 3,000 hours a month.

[Maylene]

Minimum.

[Caleb Hammer]

Well, you're choosing not to pay them.

[Mike]

Usually I pay them first though.

[Caleb Hammer]

Actually we're going to call your employee in the post show.

[Mike]

Okay.

[Caleb Hammer]

And I'm going to tell them exactly what is happening here. And that is for you to face as their boss. Yeah. Shipley's Pizza Hut. Amazon. Tutti Frutti Wave Pro. Amazon. Amazon. Apple Bill Tolls. Apple Bill Tolls. Apple Bill. Disney plus Energy drink. Apple Bill. Chick Fil. A kid's empire again. Kids empire again. Paramount plus getting your groceries delivered but not paying your employees. Apple Bill. Uber Eats. Water, Burger, Energy drink. Apple. Amazon. Amazon, Peacock. Amazon.

[Maylene]

Probably.

[Caleb Hammer]

Bullshit. Overdrafting. $306. What the are we to like? What is happening? Dude, I don't know how to budget this, so I did this to another business owner. That's an absolute mess. I will gift you a session with our fractional CEO cfo.

[Sponsor/Announcer]

Okay.

[Caleb Hammer]

And he'll go through your business expenses and try to get you guys situated. Cause the reality is I don't know what the to do here. I don't know what actual income comes in. But I will budget your expenses for your house and then we can figure out what we at least need to make. Which might mean you're giving up on your business and firing your employees. Unfortunately, that was your selfish choice. And going and getting a job. Let's figure out what you need to make. Okay. Well, we know your mortgage. 2,592. What's all of your utilities? Internet, gas, electric. All combined on a minimum monthly basis. Average

[Mike]

electricity is what? 220. 220. And then gases.

[Maylene]

Gas is about 30.

[Caleb Hammer]

Water, Internet.

[Mike]

Oh, Internet.

[Maylene]

Internet is 90.

[Caleb Hammer]

Water.

[Maylene]

Water is about 100.

[Caleb Hammer]

Good death.

[Maylene]

Okay.

[Caleb Hammer]

4.

[Maylene]

4.

[Caleb Hammer]

0. Gotcha. Phone bill.

[Mike]

440.

[Maylene]

440.

[Caleb Hammer]

Definitely do. Helium. Once these phones are paid off for just as good service for $50 a line, the phones have to be paid off, which I know they're not for. 440. Gas. Vroom, vroom. Drive, drive. Not business because that actually would be business expense.

[Mike]

Oh.

[Caleb Hammer]

Private daily use.

[Mike]

200.

[Caleb Hammer]

Okay. Car insurance, not business.

[Mike]

This is household budget, just yours.

[Maylene]

It's like 2.230.

[Caleb Hammer]

Okay. Grocery budget for I. I think we can do a thousand bucks. Meal prepping, meal planning, use the cookbook, use the meal plan. Dollar wise TP fund. Anything else you and your kids need to survive. This goes to like the climbing shit as well. $300 should be fine. Medical, health care.

[Mike]

What about the kids activities?

[Caleb Hammer]

Yeah, exactly. You budget into that. Can't afford much more. Look at you guys. You're dying. You're going to lose a roof over your head. Their activities are not as important as a roof in utilities. I'm sorry, that's basic reality. Life matters. Medical Health care? Are there co pays on a monthly basis? You guys are all up.

[Mike]

No.

[Caleb Hammer]

Why?

[Maylene]

Well, for me.

[Mike]

Okay.

[Maylene]

Like every. Maybe like $150 for me.

[Mike]

Oh.

[Sponsor/Announcer]

What?

[Caleb Hammer]

That's huge. What? You. You said no to 150. Okay. Any gym?

[Mike]

No. Okay.

[Caleb Hammer]

Subscriptions? I'll try. I'll try. Like $75. Pets, four dogs, good death. $200. Pet insurance.

[Maylene]

Pet.

[Caleb Hammer]

How much for pet food?

[Mike]

400.

[Maylene]

A month?

[Mike]

Yeah.

[Caleb Hammer]

That's crazy. I don't think that's like special diets. That's pretty intense.

[Maylene]

No, no, no, no, no. It's 70 something plus.

[Mike]

Not a month. They go through the whole bag of

[Maylene]

food and it was like 250. 250.

[Mike]

250.

[Maylene]

Yeah.

[Caleb Hammer]

Okay, we'll do 250 then.

[Mike]

But the pet insurance. Yeah, that's a lot.

[Caleb Hammer]

Yeah. And guess what? You chose to take them on. And they will die if you cannot afford life saving surgery when it happens. Pathetic. Needed to survive, basically. $6,000. May as well round it up now. You already get 3000 practically from the military. You need an extra 3100 on a month. What?

[Mike]

The 1100 dollars payment every two weeks.

[Caleb Hammer]

What?

[Maylene]

The freedom debt. Really?

[Caleb Hammer]

Oh, you're right. Actually, I didn't add up your minimum monthly debt payments. Okay. Actual financial advice. Because you will not be afforded to live. Cfo. He'll break down your business. Shit. We'll see if the business is worthy or not. Bankruptcy. That's it. I mean, guys, if I add up these minimum payments, it's gonna be another 3,000. $4,000. You can't afford to live. It's bankruptcy. You guys are done. Don't do it yet. I would just let. I would see if you can budget for three months. If you can budget for three months, then I will allow you to go through bankruptcy. Because if you do not change your behavior that got you here in the first place, we'll be talking in two years and you'll be facing bankruptcy again. But bankruptcy is basically like, that's it. Or else you're going to allow this all to go to collections. Most will be fine, but some might sue you. And then those courts will order garnishment of wages. So bankruptcy. Try to keep the house, try to keep the cars, try to keep the business. Sit down with Reed, go through the business. Because I don't even have like. This is a mess. What a joke. It would take me hours. All right, in the posture. I'm going to call his employee though, and we're going to confront that situation. This is Going to be one of the best post shows ever. Hammer financial score first though. Spending in a budget overspend 0 out of 10. Your debt score. There's collection 0 out of 10. Emergency Fund Agency savings 0 out of 10. Retirement nothing 0 out of 10. Real estate. least you have that. But it's breaking even. What's your interest rate on that house?

[Maylene]

5.75.

[Caleb Hammer]

Okay so I mean breaking even, you'd have to write a check today so it's not great. At least you're in the market. I'll give you a 5 out of 10 there for the real estate score. This is. Well you're behind so I'm actually going to put a three. That's just being hyper generous at that point. Amber Financial Sword Just cuz you're in the real estate market unless you lose it 1 out of 10. Get [e-mail] now click that join button to join for the Financial Auto Post show. An extra 20 minutes of this episode. The confrontation is going to be incredible with his employee. You get three premium shows every single day, six days a week. So click that join button to join here on YouTube or you can join on the Hammer Elite app or hammer lead.com I'll see you in the boat show. Let's call the full timer. How long has it been since your boss has paid you? We work for him full time. Single mother and you're a single mother, correct? Yeah. He is choosing on the business account to spend. Actually I believe it was about $3,000. Going out to eat and stopping in the gas station and getting things. That's what he is. Choosing to spend a month on the business instead of paying you a full paycheck check. This is one of the most disgusting

[Mike]

things I've seen on the show.

[Caleb Hammer]

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

[Maylene]

Hey, it's Ryan Reynolds here for Mint Mobile.

[Caleb Hammer]

Now.

[Maylene]

I was looking for fun ways to tell you that Mint's offer of unlimited Premium Wireless for $15 a month is back.

[Caleb Hammer]

So I thought it would be fun

[Maylene]

if we made $15 bills, but it

[Sponsor/Announcer]

turns out that's very illegal.

[Maylene]

So there goes my big idea for the commercial. Give it a [e-mail] switch upfront payment of $45 for three months, $90 for six six months or $180 or 12 month plan required $15 per month equivalent taxes and fees Extra initial plan term only greater than 50 gigabytes. Me slow when network is busy.

[Mike]

See terms.