EBT Final Boss | Financial Audit

Summary

Financial Audit Podcast: EBT Final Boss | Financial Audit

Host: Caleb Hammer
Guests: Beth (29), Titus (31), and Tyler (translator/guest)
Release Date: May 18, 2026
Theme: A high-conflict, brutally honest financial audit of a young Dallas-Fort Worth couple whose chaotic finances and relationship issues are exposed in jaw-dropping (and darkly comedic) detail.

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Overview

This episode of Financial Audit dives deep into the dysfunctional financial (and personal) relationship of Beth and Titus. In front of host Caleb Hammer (and with help from guest Tyler), the couple reveals a tangle of debt, bad spending habits, familial entanglements, and repeated boundary violations—both financial and personal. The audit is marked by comedic banter, raw admissions, arguments, and a recurring tension over Titus’s spending money to sext with AI chatbots. Ultimately, the episode is a cautionary (and at times absurd) tale about the real-life consequences of ignoring boundaries, both financial and relational.

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Key Discussion Points & Insights

1. Introduction and Tension (00:00–05:30)

• Setting: DFW, Texas. Titus (31) works as a supermarket supervisor; Beth (29) is a stay-at-home mom to their six-month-old. The energy is combative, with immediate bickering about rules, phone sounds, and racial jokes.
• Initial Reveal: Beth drops the bomb that Titus has been paying to sext with AI bots, which becomes the dominant issue of the episode.
• Quote:
  • “She’s terrible with finances. But then come to find out that he’s paying to sext AI.” —Beth (02:11)
  • “Host, what is being said right now?” —Caleb (00:29)

2. Income, Jobs, and Parental Roles (05:30–15:00)

• Titus’s Income: About $2,400/month net as a food service supervisor. His work history is erratic—14+ jobs lost, sometimes due to Beth “interrupting” while he worked from home.
• Beth’s Background: Former Walmart employee ($20+/hr), currently not working after a complicated pregnancy.
• Frequent Job Loss: Multiple firings, Titus blames Beth for distractions; she counters that his inattention and impulsive decisions led to firings.
• Comedy and Friction: Recurrent jokes about race, “reverse cards,” and failed communication. Tension around household decision-making is apparent.
• Quote:
  • “When you walk in the room with your titties out… What am I as a man supposed to do except my job?” —Titus (14:55)

3. Household Financial Dynamics & Dysfunction (15:00–28:00)

• Money Management: Beth formerly managed finances, but since becoming a stay-at-home mom and losing savings, there is little coordinated budgeting.
• AI Sexting Controversy:
  • Beth considers Titus’s paid AI interactions “cheating”; she established a firm boundary. Titus continually violated it, hid it, and rationalized with “addiction” language.
  • Discovery: Titus sexted with AI while holding their infant, even after major confrontations.
• Massive Boundary Failure:
  • “At the end of the day, if I lay down that boundary, you keep doing it, it’s cheating… That’s all that should matter.” —Beth (52:08)
• Family Financial Support: Titus, unable to pay bills, repeatedly borrows from his mother and grandmother (even shares a bank account with grandma at 31).

4. Spending Habits & Enabling Each Other’s Bad Decisions (28:00–55:00)

• AI Chatbot Subscriptions: Titus justifies $10/month, but evidence shows numerous recurring digital subscriptions and in-app purchases, totaling hundreds to thousands annually.
• Beth’s Financial Enabling: Beth regularly gives money (and groceries) to her ex, draining the only remaining savings.
• Quote:
  • “Being friends with your ex is different than giving money to your ex. That's a whole different thing.” —Tyler (45:36)
• Poor Record-Keeping: Neither can accurately state what debts or subscriptions they have; both lie/conceal until forced to produce bank statements.

5. Debt and Imminent Financial Collapse (55:00–70:00)

• Rent & Bills:
  • Rent: $1,400/month (over half the household income)
  • Utilities: ~$400/month
• Major Debts:
  • $2,800 Amex in Beth’s or jointly with grandma (unclear who pays minimums)
  • $2,500+ in cash advances/payday loans
  • Titus’s $73,000 in federal student loans (default looming)
  • Titus’s $17,000 outstanding car loan (for a car he no longer owns, post-repo/wreck)
• Mom’s Threat: Titus’s mom threatens to “sue” to recover the $7–8k she’s lent him.
• No Sustainable Budget: They’re underwater by ~$600/month on barebones spending.

6. Wasteful Expenses & Assistance Misuse (90:00–98:00)

• Food Stamps/EBT Abuse: Beth gets $400/month in food stamps but still spends $500+ monthly eating out—while claiming need for state support.
• Cash App Transfers: Both frequently use Cash App to transfer money or make small impulsive purchases, compounding fees and bad spending habits.
• Energy Drinks/Gas Station Stops: Small daily indulgences (e.g., $3.25 here, another there) add up, often for “gooning” (i.e., jerking off) or energy drinks.
• Quote:
  • “You spend hundreds, if not, maybe even upwards to $1,000 a month on bullshit when you only make $2,400, you’re likely getting garnished. Your grandparents, grandmother and mom have to give you money, and she has to send you money—this is pathetic little child behavior.” —Caleb (95:05)

7. Toxic Patterns and Consequences (Throughout)

• Physical Incident: While pregnant, Beth got a black eye from Titus (accidentally, in their telling), after which he immediately returned to sexting with AI.
• Beth’s Enabling: She continues to give Titus money, while defending subsidizing her ex’s weed habit out of pity.
• Intergenerational Failure: Both Titus and Beth are dependent on relatives; patterns of bad boundary enforcement go back to how their parents supported them.
• Mutual Mistrust: Beth regularly checks Titus’s phone/subscriptions; Titus “forgets” to disclose financial information.

8. Host’s Advice and Financial Wake-Up Call (98:00–End)

• Urgent Solutions:
  • Titus must get second/third jobs immediately
  • Apply for every job over $25/hr; use his (otherwise worthless) broadcast/comm degree to just get in anywhere; consider certifications
  • Budget needs total overhaul; joint account for transparency (Titus has been denied for joint due to bad credit)
• Beth must also find work, even if she resists childcare, or the household will lose its home.
• **Both must stop sending money to relatives, friends, and digital “girlfriends.”
• Quote:
  • “You need to become a man...You have a child. It is time to man up.” —Caleb (95:32)
• Hammer Score: 0.5 out of 10 (rounded up)

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Notable Quotes & Memorable Moments with Timestamps

• On Boundaries and Cheating:

  • “If I lay down a boundary, you keep doing it, it’s cheating. That’s all that should matter.”—Beth (52:08)

• On AI Sexting & Addiction:

  • “Okay, so here’s how addiction works, right?” —Titus (23:32)

• On Parental Enabling:

  • “I don’t actually beg my grandma for money. My grandma just look at the account like, ‘hey, baby, I see you low. I put $50 in there for you.’ I didn’t ask for this shit, but I don’t know what to do with it.” —Titus (82:27)

• On Food Stamps and Eating Out:

  • “Why are we supporting you, when you are going and spending your money on Panda Express?” —Caleb (98:05)

• On Reluctance to Grow Up:

  • “You need to grow the fuck up. It’s time to be a man.” —Caleb (95:20)

• Self-Assessment of Finances:

  • “Collectively a one. Maybe zero.” —Beth (54:15)
  • “I’m gonna say four and a half to four.” —Titus (54:19)
  • “I call it zero.” —Caleb (54:31)

• Financial Summary:

  • “You are applying. You are curating your resume. You are applying to every single job that exists in this world… You need to make more money. That is your second full job right now.” —Caleb (104:40)

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Summary Table: Financial Red Flags

| Issue | Details | |-------------------------|-----------------------------------------------------| | Rent | $1,400/month (>50% of net income) | | Debts | $2,800 Amex, $2,500+ cash advances, $73k student loan (Titus), $17k auto loan (repo’d), unknown collections | | Income | ~$2,400/month Titus, none from Beth currently | | Parental Aid | Titus relies on mom/grandma for bills | | Food Assistance | $400/mo food stamps; still $500+mo eating out | | Reckless Subscriptions | Numerous small recurring payments—mostly for entertainment, AI chatbots, gaming, energy drinks | | Financial Secrecy | Neither party knows or shares true recurring expenses/debts | | Savings Status | Beth’s savings ($8k+) were used up to cover Titus’s debts/car repairs; now almost nothing left | | Financial Transparency | Titus “forgets” digital charges; admits chaos |

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Tone & Style

• Unfiltered & Confrontational: Guests are unreserved in calling each other out, the host is blunt (“pathetic little child behavior”), and the episode is peppered with racial and personal jokes.
• Darkly Comedic: Many shocking admissions are delivered as punchlines.
• Unstructured (by necessity): The episode veers between financial review and personal drama, requiring occasional translation/intervention from guest Tyler for clarity.
• Frustrated but Concerned: Caleb is exasperated but offers concrete (if stern) advice.

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Conclusion

This is among the most chaotic, revealing episodes of Financial Audit to date, illustrating the trainwreck that occurs when partners ignore both financial discipline and basic interpersonal boundaries. By the end, both are in serious jeopardy—emotionally, relationally, and especially financially—with the risk of homelessness only months away and no workable plan in place. Caleb’s recommended rescue—radical budget transparency, strict spending discipline, and immediate upskilling/job changes—comes with the warning that bankruptcy will not fix most of their problems, and only a total lifestyle overhaul will give their household (and child) a shot at financial survival.

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Listen for:

• Raw honesty about destructive habits on both sides
• How "small" indulgences and digital subscriptions can devastate already fragile finances
• Why parents/family bailing you out can perpetuate childishness and dependency
• The financial and emotional cost of repeated boundary violations in a relationship

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For a preview of the post-show (where an even bigger relationship loophole is revealed), join Hammerly and watch the bonus segment.

Transcript

[Caleb Hammer]

To watch episodes of Financial Audit a week earlier. Check us out on YouTube. She got a black guy. She cried for 20 minutes. He sat next to you and you made into anime on an AI site. When she was telling the story to Colton in the pre production, you muted her phone so she couldn't finish the

[Beth]

story about him actually trying to figure

[Titus]

out where she was going with it.

[Caleb Hammer]

Why should that matter? Should she not be able to tell the truth?

[Beth]

He said I cried too loud for him. Too quietly.

[Titus]

She doesn't cry, right, nigga.

[Caleb Hammer]

People read books.

[Titus]

You're paying for AI.

[Caleb Hammer]

Host what is being said right now. The summer budget reset is now live. Get a full year of dollar wise premium plus my four best selling educational courses and a digital copy of my budget friendly cookbook and my exclusive 30 day meal plan signed by me and mailed directly to you. This is a better deal than we've ever done before and it's only for a limited time. It is 67% off everything. So don't wait until that first pool party to get financially ripped. Click the link below. Save big. Claim your bonuses now.

[Titus]

Hey, He. Yo, this is Titus. 31 years old.

[Beth]

Nobody told me to turn it off. I'm sorry.

[Caleb Hammer]

What a lie. And what's your name?

[Beth]

No, they didn't tell me that.

[Caleb Hammer]

Liar.

[Beth]

Like for real.

[Caleb Hammer]

Name, name.

[Beth]

Hi, my name is Beth. I'm 29 and we live in DFW, Texas.

[Titus]

And this is Financial Audit. You starting off?

[Caleb Hammer]

I'm bad at following instructions.

[Beth]

Nobody told. I swear. Nobody told me to turn the sound off. I didn't turn it on.

[Titus]

I turned the sound off before we even got into the building. How do you not know that's just

[Caleb Hammer]

being played in public? You guys played the reverse card.

[Beth]

I didn't even have it. Like, since we've been here, this is the first time I got my phone.

[Caleb Hammer]

Titus didn't get that one.

[Titus]

Look, look, look.

[Caleb Hammer]

This is a good joke.

[Titus]

All right, B. All right.

[Caleb Hammer]

Hey, you're in front of me right now, Titus. I want to know what you do for a living in Detroit. Fort Worth area.

[Tyler]

Dallas.

[Caleb Hammer]

Dallas, Fort Worth area?

[Titus]

Yeah.

[Beth]

Detroit.

[Titus]

Detroit.

[Caleb Hammer]

Detroit. That was not a black thing.

[Titus]

Look, I want to say it's not a black thing, but I can't say I don't smell the smithereens. I work at the college locally.

[Beth]

Okay, so before we even bother.

[Caleb Hammer]

Hold on. Are you gonna.

[Beth]

No. Yeah, no, we're gonna. I. Before we even get into it. That's not even our main reason that we wanted to come here.

[Caleb Hammer]

That's fine. I'M just trying to get what he does for a moment.

[Beth]

I get it. But we're gonna move on from that part for a moment. So our whole main reason is because. So I wanted to come on here because she's terrible with finances. Yeah. But then come to find out that he's paying to sexed AI.

[Titus]

Why are we doing this now?

[Beth]

This is off the arc because it's the main reason I wanted to come on the show.

[Titus]

What about the finances?

[Beth]

Literally, like paying to sex with AI.

[Caleb Hammer]

That may have been my follow up question. If you let me get them.

[Titus]

Hold on, hold on, hold on. Back it up.

[Beth]

First of all, I feel like it's important.

[Titus]

No, it's not important because we're talking about the financials. All right? We're talking about getting that right. You know, the career course, all that other. Boo. You got me coming here for it. All you did was walk in and say we're going to Austin. I don't. I work.

[Beth]

Where do you work? What do you do for a living? That's.

[Caleb Hammer]

Oh, wow. That was my question.

[Beth]

Was it your question? Okay. What do you do for a living?

[Titus]

Like you don't know. All right, listen. I work at the food services with the college that's nearby. Cook?

[Beth]

Sort of.

[Titus]

Yes, sorta. I supervise.

[Caleb Hammer]

He's a manager or chef. No, no, not chef.

[Titus]

Not chef. Supervisor.

[Caleb Hammer]

I love chef. He was my favorite.

[Beth]

I'll take three lunches today, please.

[Titus]

You don't need three lunches, Eric. You're fat enough as it is. Now that was a black thing.

[Caleb Hammer]

Uh huh.

[Titus]

Okay, great. All right, now we know. Now that we understand. First of all, I ain't gonna call you racist, but I'm gonna smell the Smitherings on you. And then if I don't know what

[Caleb Hammer]

that is, I don't know what that is.

[Titus]

Look, this little drippings of racism that just shine on everybody every once in a while.

[Caleb Hammer]

No, no, I have drippings of prejudice against everyone that's not me.

[Titus]

You know what? Actually that is. That is a fair point.

[Caleb Hammer]

Including Lindsay for being a ginger. Including her for the rainbow.

[Beth]

You have a lot of gingers here. I walked in and I was like, I've never seen so many gingers in one room.

[Caleb Hammer]

Double.

[Titus]

You've never seen two gingers in one room.

[Beth]

There's another one.

[Caleb Hammer]

Prejudice of Colton for the gay. Prejudice of Brandon for being. I'm prejudiced of everyone.

[Titus]

All right?

[Caleb Hammer]

Oh, yeah.

[Beth]

You didn't know that brand. That's why you didn't say hi to him when he came in.

[Caleb Hammer]

No, he's not. He's not. These are just allegations made by me right now. Titus. Titus, what do you make being this manager?

[Titus]

Uh, yeah. So let's see. Okay. The hourly rate is 16 right now. Cause I just started last year.

[Caleb Hammer]

Yeah, that's not great.

[Titus]

That's not great. I make.

[Beth]

He makes time for anime, though.

[Caleb Hammer]

So we will get into that. I promise.

[Titus]

We will likely get to that.

[Caleb Hammer]

We will get into it.

[Titus]

We will likely get to that. But we trying to do the. That we supposed to start with. All right, can we start with we supposed to start with and then we can go on to the other. Yeah, okay. Cool. All right. Wow.

[Caleb Hammer]

Is this how every conversation goes in the house? How, though? Do we have any conversations ever?

[Titus]

Never.

[Beth]

So it always ends with me being right and him leaving, and then we're good. So that's fine.

[Titus]

I make for, like, about 1200 a check every two weeks. That comes out 24amonth, sir.

[Caleb Hammer]

2400amonth?

[Titus]

Yeah.

[Caleb Hammer]

Net her growth.

[Titus]

That's net.

[Caleb Hammer]

No, no, no. That works. That works. Yeah. No, no, that's good. That's a good start.

[Titus]

Yeah. That come out?

[Caleb Hammer]

Yeah.

[Titus]

If I work the full week. Yeah.

[Caleb Hammer]

Do you usually work the full week?

[Titus]

I usually work the full two weeks, but sometimes she'll have some kind of issue at the house that I have to come home early for and whatever.

[Caleb Hammer]

Are you having issues at the house with a baby? My baby hurts a whole lot. Good.

[Beth]

There is a baby.

[Caleb Hammer]

Just one.

[Titus]

Just one.

[Caleb Hammer]

One kid.

[Beth]

One kid? Yes.

[Titus]

Thank God.

[Caleb Hammer]

And it'.

[Titus]

That's mine.

[Caleb Hammer]

And you're still here.

[Titus]

And I'm still here.

[Beth]

Yeah.

[Titus]

This is why I'm the better part of the black race. You know what I'm saying? It's the better part.

[Caleb Hammer]

Race. Whoa.

[Titus]

Look, race was kind of crazy. I didn't mean that race was crazy,

[Caleb Hammer]

but we are the human race.

[Titus]

The human. Yeah. And then. All right. I see what you like. I see what you like. You all right? I got you both.

[Beth]

That was hard.

[Caleb Hammer]

I was taking it.

[Titus]

No, like, nah. Like in Endearment, I caught. You know. You know, I'm sorry.

[Caleb Hammer]

I was taking a knee over here and not on the neck either. So, like, I was. I was being you.

[Beth]

Black powered. You like.

[Titus]

I see what you like, bro. I see what you like. It's all right, though. It's all right. I respect it in a general sense. I'm watching out for you, young man. I'm watching out for you, young man.

[Caleb Hammer]

Trust me. We've been watching out for you. The moment you turn the corner around the Block.

[Titus]

This boy is crazy.

[Caleb Hammer]

My security guard was hand was on the.

[Beth]

So no, tell me why. We were in the parking lot. You walked past us and I saw you and he was like, oh, my God, is that Caleb? And I was like, oh my God, that is him. And you look so mean to me. And then walked past me and went inside. And I was like, okay. I was like, you too, Caleb.

[Caleb Hammer]

I believe I said, good morning, friends.

[Beth]

No, you didn't say anything.

[Titus]

First of all, you didn't. But can we let him do his job, dawg, Let him do his job.

[Beth]

He was in the parking lot.

[Caleb Hammer]

Well, where were you in the parking lot? I don't know.

[Titus]

There's.

[Beth]

As soon as you came in, like,

[Titus]

as soon as you came in, there's

[Caleb Hammer]

a ton of people. I don't know who you guys are. I don't know who's coming on the

[Titus]

show, but she don't. She don't listen.

[Caleb Hammer]

Were you in my way?

[Beth]

No.

[Titus]

Probably. I was in a car.

[Beth]

We were in a cool car.

[Caleb Hammer]

I do remember you. I did see a black van.

[Titus]

Yeah.

[Caleb Hammer]

And a cunning.

[Beth]

And it was pure excitement on my side because I was so excited.

[Caleb Hammer]

Well, that's great. Well, that's great. He was. He was blocking me. Because he was next to a child. No, he was blocking me. And then I backed up like the nice guy I am. And then he went in a parking spot. Then I went parked. I got out of the car, made it almost to the front of the building, and he was still taking like 30 turns to try to get into four parking spots. So yes, I was given dirty looks because who the is that with parking?

[Beth]

I mean, he's not okay now even with the backup cameras, he still can't park straight.

[Titus]

First of all, I don't back in the.

[Caleb Hammer]

I don't care. I need to get basic information here.

[Titus]

Please, God, can we chill? All right.

[Beth]

Beth. Yeah.

[Caleb Hammer]

What do you do for a living?

[Beth]

I am a stay at home mom.

[Caleb Hammer]

Okay. Because of the kid. How old's the kid?

[Beth]

Six months.

[Caleb Hammer]

Me just then take a lot of ibuprofen at this episode.

[Titus]

You have no idea, Youngin.

[Beth]

It's gonna get worse.

[Caleb Hammer]

Did you have a job? When are you getting back into it, if at all? Well, 24. You guys are not gonna survive in the Dallas Fort Worth area on 2400. Nat.

[Beth]

So I did have a job before him. It was an accidental pregnancy. I worked at Walmart for seven years. I made like 20 something dollars an hour. I did good. I made pretty good money there. Well, but for being at Walmart. I made pretty good money there. That's fine.

[Titus]

Yeah.

[Beth]

Okay.

[Caleb Hammer]

I mean, that's fine. I mean, I just care about what money's coming in, in general. So what was your perpetrator? Is that where you're going back?

[Beth]

No.

[Caleb Hammer]

And by when. Okay, so I guess it doesn't matter.

[Beth]

Yeah.

[Titus]

No.

[Caleb Hammer]

Well, are you going to get into jobs to pay for? I guess, girlfriend, masturbation stuff. We got a budget this year.

[Titus]

We'll get into that. But I got some shit, though.

[Beth]

Before we had the baby, I was like the main financial person, so I was the one that paid pretty much all the bills, took care of everything.

[Titus]

It's not like I didn't have a job. There was a point in time, I

[Beth]

didn't have a job multiple times. I had one job. In the time we've been together, he had about 14 jobs, I've had five, but it's not. But I was the main financial person. I paid pretty much everything. And when he didn't work, but then had the baby, had a lot of complications, had a major C section, all the roughies. So I couldn't go back to work for a while. And then I just didn't want to leave my baby. So I've been trying to find a job at home to where I can work from home, but also so I could go back to being the one that takes care of my life.

[Caleb Hammer]

Okay, so, like, what kind of job? Like, what would you make? What are the customers? Customer service at home or what?

[Beth]

Yeah, I'm working from home, but I flexed.

[Caleb Hammer]

Okay, so you don't have a job, you're not getting a job. Okay, Titus, what were you going to bring up to her right there?

[Beth]

Yeah, what were you gonna do?

[Titus]

So, look, I did have a plethora of jobs that I've lost on various cases of bullshit.

[Beth]

All fired from.

[Titus]

Not no various cases. One was a contract that ends. That's not being fired. And the other part of that was because I was working from home. By the way, I used to be in pharmacy, so, you know. Right. Not street pharmaceutical tech. The actual pharmaceutical tech.

[Caleb Hammer]

That was my follow up.

[Titus]

That was your follow up? Yes. Okay, so I worked cvs. Bullshit happened there, left there, went to. Went to Walgreens, got in an argument with her during my shift, caused me to hand somebody the wrong medicine for the fifth time. And like, okay, why are you at his job? She was not there. But she was.

[Caleb Hammer]

She was.

[Beth]

He was texting me. And for the record, he had done four previous times all on his own. Okay, well, so he blames me for the whole thing.

[Caleb Hammer]

He did it for previous Titus.

[Titus]

That's fair.

[Beth]

I didn't even know he was in the middle of working.

[Titus]

But here's the thing, though. I already told you that. Hey, yo, I'm on my Last strike of 5. Can we complete this conversation later?

[Beth]

Strikes.

[Titus]

Can we complete this conversation later? Then I ended up handing some lady who had the same name as some other lady's medicine, and then they, like. They didn't. That's not my fault.

[Beth]

He had the capability. It wasn't on the call or anything. It was over text. He had the capability not to text me back for a minute.

[Titus]

Well, you kept talking like, what do you want me to do? Okay, I can't let you. Because you just. You just. You get. You get in your head where you believe whatever the you want to believe about whatever the situation is, and then. And then, like, you just kind of stacks on top of each other, and

[Beth]

now we're giving Caleb a headache.

[Caleb Hammer]

So that's what you were trying to bring up.

[Beth]

Me?

[Caleb Hammer]

Yeah.

[Titus]

Okay.

[Beth]

She was bringing.

[Titus]

No, back it up.

[Tyler]

No, no, no.

[Caleb Hammer]

What Ty is saying.

[Titus]

We're talking to me now. Or Thor. She's talking about the many jobs I had. Right? The jobs that I have lost due to her is a part of this conversation, too. So the wall.

[Caleb Hammer]

I'm sorry. Look, pause, pause, pause. Can we please bring in Tyler and set up a fourth mic? I'm just. I just need a little translate in here. I'm losing it.

[Titus]

No, we got a black. Is that what Big man is? Big man's a black translator.

[Beth]

You need a black translator?

[Titus]

Apparently, I. Plethora was the word. Plethora.

[Beth]

I told you, you're gonna use too big of words, and he's not gonna understand you. He dropped out of college.

[Caleb Hammer]

Okay? So this is Tyler. He's gonna be my. I need a little translating.

[Tyler]

Oh, you need some translating?

[Caleb Hammer]

I need a little bit of translating. Okay, so as you were saying?

[Titus]

Okay, I have had. Since we've been together.

[Caleb Hammer]

Well, now he's speaking like I'm speaking silently.

[Beth]

He was using too big of a.

[Caleb Hammer]

No speak. You be you. I have him for my support.

[Titus]

Okay? So check it out. I have had a plethora of jobs before, okay? But the amount of jobs I've lost due to her is a part of the conversation, too. It ain't just me just, like, getting around and getting knocked out of my jobs and shit. This is like. This is like a team deal. Like, you know, she's been a part of my Life through all these jobs and she's been. There's been a reason that she has been a part of. The reason why I lost some of these jobs. Some of these, some of these jobs You're a part of what one job pause or that you've only had one job pause.

[Beth]

Thanks, please.

[Tyler]

So he basically said it's not only him, it's not only his fault that he's losing these jobs, it's also her fault too that he's losing these jobs. So it's not just him, it's her. And it's a collective effort between the both of them.

[Caleb Hammer]

So why are you in? Why are you like harming him and this job?

[Beth]

One job. One job is what he blames me for. Two jobs. His second job was his at home job and it's because I was there. Oh no, no, no.

[Caleb Hammer]

Let him say why, how you fucked it up.

[Beth]

I want to know your reason before I say the real reason before any

[Titus]

end of the bush. Right? Let's talk about it.

[Beth]

Talk about the at home job.

[Titus]

I'm at home, I'm on the computer, clickety clacking, all that, right? You come home from work, I leave during my lunch time to pick you up from work, take you home, go back to the computer, click clack, shit, right? Then what happens? Then what happens? Okay, baby, I'm coming across the room.

[Caleb Hammer]

Hey baby, you know what happened?

[Titus]

I was man, the brand was real up at work today type shit. What are we, what are we doing?

[Beth]

Okay, I would definitely do that.

[Caleb Hammer]

I just need to understand.

[Tyler]

Yeah, yeah. So basically what he said was, listen, I got a call while I was doing my work at home on the computer. I got a call, I had to go pick you up and stop my work. So I had to go and get you. And then I brought you back. And then when I went back on the computer, you just started yapping a bunch of bullshit.

[Beth]

It was during his lunch break.

[Caleb Hammer]

You yapping a bunch of bullshit.

[Titus]

Hold on, big question. Consistency is the problem. This isn't the call that tells to come get a. This is a daily occurrence that we.

[Caleb Hammer]

Cuz she don't have a driver, dude.

[Beth]

Okay, so let me explain, right, okay. One, he wasn't on the phones. Okay, for one, two, I would text him. I would text him. And three, that's not why he got fired. That is he got. His main problem. Why it would go so low is because it was around when we first moved in together and he would switch, stop working, come try to bang me in the middle of him working Because I'd be in the bed and he'd be like, hey, let's real quick, while we were trying to work, ask me to. I wouldn't ask. I wouldn't ask. He would just come in. And that's my fault somehow.

[Titus]

Hold on, hold on, hold on, hold on, hold on, hold on, hold on, hold on.

[Beth]

I'd be minding my business.

[Titus]

So when you walk in the room with your titties out. Right?

[Beth]

My titties are always out.

[Titus]

Exactly. When you walk. What am I, as a man, supposed to do except my job?

[Caleb Hammer]

How is it my fault? But half Danny's is your fucker.

[Titus]

Flinging them around everywhere like they give. Wait, what do you want from me?

[Beth]

I don't think that counts as much.

[Titus]

Okay, that's part of the reason. That's part of the reason why. All right. Hey. Okay. I need your eyes.

[Caleb Hammer]

I'm with you so far.

[Titus]

I'm with you so far. Weird. Weird here. So, okay, you're looking around like you're going to have help. There's no help in the next two hours. This is where we at. So look, look. No, not like that. Crazy. No. He's talking to you.

[Tyler]

My dog.

[Caleb Hammer]

Okay.

[Titus]

Okay. Yeah, yeah, yeah. You good? You good? I'm just saying, this is where we at. So. What just happened?

[Tyler]

He said, you'll be all right where you are. You'll be all right where you are. And this is just what we're doing right now.

[Beth]

You don't need backup. You're okay.

[Caleb Hammer]

From what?

[Tyler]

From him. Because he's saying that you trapped him

[Titus]

back and he's in the room, and I appreciate it so much. Big no.

[Tyler]

Yeah. I got you. I got you. I got you.

[Titus]

My guy.

[Beth]

Yeah, yeah. White people.

[Titus]

Yeah, yeah, yeah. Hey, that's racist. Y' all can't. Y' all can't do that. It's not racist.

[Tyler]

Why you throw up the fist, though? Why you say white people like this?

[Titus]

Look, look, look, look, look. There's a difference between racist and racial. Us, right? That was. That was just being brothers in the lower Christ.

[Beth]

Why can't white people do it?

[Titus]

Racial.

[Caleb Hammer]

Why is it racial?

[Titus]

It's not racist.

[Caleb Hammer]

But they're being brothers. We're being superior.

[Beth]

Oh,

[Caleb Hammer]

that was a joke. That was a joke.

[Titus]

Legitimately crazy, that is. Moving on.

[Caleb Hammer]

Maybe cut that one.

[Beth]

It was funny, but it. Wow. Again.

[Caleb Hammer]

It was funny, but the room went very quiet.

[Titus]

Let me tell you something. If I tell you half. If that. Tell them half the shit you be saying on a daily basis.

[Caleb Hammer]

Is she dropping those R'S No, I

[Titus]

want her to so bad.

[Beth]

So bad. And I refuse.

[Titus]

Not even in the bedroom.

[Beth]

She won't even do it. I'm trying.

[Caleb Hammer]

Okay, okay, okay, okay, okay. So, okay, so, okay. But he has a job.

[Titus]

Right now I do.

[Caleb Hammer]

So, okay. That's all that matters.

[Titus]

Okay, what we were talking about, we got into all that bullshit, okay?

[Caleb Hammer]

Right? I mean, why are you bringing that up? He has a job. He's the one providing right now. I mean, you're not. Well, I mean, you're doing what you should do. I mean, you're staying home, taking care of the six month old. I get that. That's not criticizing. But we are not gonna survive on this 26th.

[Beth]

Especially when you pay for AI.

[Caleb Hammer]

Especially when you pay. Okay, yeah, fine, let's get into it. Tell me you mean for AI Hoes.

[Beth]

AI Ho.

[Titus]

Hold on, nigga, hold on, hold on.

[Tyler]

What are you talking. Nigga, what's wrong with you?

[Caleb Hammer]

Oh, okay, I got you.

[Tyler]

I could drop it for you.

[Titus]

Okay, let me tell you something, okay? Does the wife of an author get mad at a romance novelist for writing two characters that that aren't them? The answer is no.

[Beth]

Are you paying for it?

[Caleb Hammer]

Nigga, people read books. You're paying for my rights. Are you paying for it for AI host? What is being said right now? Someone helped the host.

[Titus]

I'm sorry, I'm sorry.

[Tyler]

I got you, I got you. I'll translate. Basically, I. Hey, my brother, what the hell is wrong with you for paying for these AI people? And he's pretty much saying, but what about the white people that would read the books, the fantasy novels?

[Caleb Hammer]

No, I agree. You people read that book, so. No, I don't.

[Beth]

I watch.

[Caleb Hammer]

You can't read.

[Titus]

Yeah, I know, but like I can read pretty much. You can read.

[Beth]

I'd rather watch. Why would you want to read?

[Titus]

Here's the thing though, right? Why would you read when you can write your own type shit? It's the. Hold on.

[Beth]

Because it's not for the record. It's not even visual. He's paying to basically sex with an AI person now.

[Titus]

It's not just that, cuz, I'm telling you.

[Beth]

Or have full mythical creations into his realm.

[Caleb Hammer]

I don't know. But is she against this?

[Beth]

Because if for the record, when we're her wife, right, we aren't technically engaged. He asked me to marry him while I was cut open on the table having a C section.

[Titus]

I was in the moment. You was in the moment.

[Beth]

But for the record, we have known each other since we were teenagers. Yeah, and then decided to start. We went to high school together.

[Caleb Hammer]

How old were you?

[Beth]

I was 17. He was 18.

[Titus]

I refused.

[Beth]

Yeah, well, he just had a birthday.

[Titus]

I had just had a birthday. Yeah, that's true.

[Beth]

I was born at the very end of the year. He's born at the very beginning of the year. Okay, so he just had a birthday

[Tyler]

fresh off the boat.

[Titus]

So just for posterity's sake, just because I know the way you look.

[Beth]

He was scared of white women.

[Titus]

I was scared. I wasn't scared of white women. That is not the case. No, what I was scared of was the fact that I was 18. You said to me, I didn't know what the Romeo and Juliet law was. So I'm like, oh, you're 17 and 17.

[Caleb Hammer]

I'm a Lapeto.

[Titus]

I'm not saying that you is, but I'm just saying I was so far against the allegation. I didn't want to play around with young white girl when I'm 18.

[Beth]

So I'm 17 is still legal in Texas.

[Titus]

I didn't know that. I don't play around with that title.

[Caleb Hammer]

It's okay, guys.

[Titus]

You don't mean nothing to me.

[Beth]

Stop.

[Caleb Hammer]

You remember that.

[Titus]

Stop.

[Caleb Hammer]

You're not going to jail today.

[Beth]

Today. But we've known each other since high school, right? So we've known each other since then.

[Titus]

Very good.

[Beth]

And then I think, like, three, four online.

[Caleb Hammer]

My question that led to all that somehow is, are you okay with this? Or is this a no? No, no, no.

[Beth]

So we first started dating, right? I found out about it about a month into the relationship.

[Caleb Hammer]

Wait, what? How long have you guys been dating?

[Beth]

Almost four years.

[Caleb Hammer]

He was dating. He was texting AI people four years ago.

[Titus]

So I was jumped in when it

[Beth]

first came out, since it very first came out.

[Titus]

Cause I was interested in the technology, number one, the nostalgia part, number two. But, like, the technology number.

[Beth]

I found out about it.

[Caleb Hammer]

I'll translate that for you. He's an educated one.

[Tyler]

Oh, yeah, yeah. Facts, facts, facts.

[Beth]

I found out about it.

[Titus]

No, no.

[Tyler]

He said. He said.

[Caleb Hammer]

You mean.

[Tyler]

Let me we up.

[Titus]

Let me we up.

[Tyler]

Let me we up.

[Caleb Hammer]

Smart.

[Beth]

You're good.

[Tyler]

You're up. Yeah, Yeah.

[Beth]

I found out about it a month into the relationship. And I was like, hey, all four fetishes. We don't fetish them. You do what makes you happy. I consider it cheating, though. So if that's what you want, that's fine. But I'm not comfortable in that relationship. And he was like, okay, I respect that. I won't do that. And so he started. He was like, okay, yeah, I won't do it, whatever. And then I found out he was still doing it. And so then I almost broke up with him. And then he cried.

[Caleb Hammer]

That is against the rules.

[Beth]

Then it's cheating at that point. And so then he cried.

[Caleb Hammer]

At least against the rules.

[Titus]

Hold on.

[Beth]

No goddamn thing. Then he cried and so I took him back. Cause I did cry. I've loved him since I was like 16.

[Caleb Hammer]

When he gets flustered, he looks like Ray Charles at the piano.

[Titus]

No, I hope you. I hope all of you.

[Beth]

But then I found out recently, and I didn't find out until these statements that he's still doing it. But not only that, he doesn't. When he's putting our six month old son to sleep.

[Tyler]

Oh, damn. Come on now.

[Beth]

Holding our baby.

[Caleb Hammer]

Come on now. He's doing it again.

[Beth]

Holding our baby. Putting. He does this with his eyebrows when he lies, too. That's what that look is, is he's about to set up some shit. But no, it's what it is. He does it when he's holding our six month old baby boy that he's trying to put to sleep. He's sitting there sexting AI. He's trying to put our girl.

[Caleb Hammer]

I would just take the W. He's still there.

[Titus]

That is true. That is true.

[Caleb Hammer]

Thank you.

[Tyler]

Oppressive.

[Beth]

I don't think he has a choice, but we'll get into that.

[Tyler]

He do got a choice.

[Beth]

You think so? Until you get more into it, you'll see he won't.

[Tyler]

Oh, damn.

[Beth]

Wait till we get into the mommy issue. He doesn't have a choice.

[Titus]

Run it back. Run it back. Run it back. Let's talk about the actual thing we hear.

[Caleb Hammer]

Yes. The AI that you're paying for while you guys make no money.

[Titus]

No.

[Beth]

No money. So it's all right. He has supplemental income from his mommy. So it's okay. Damn.

[Titus]

Can I get my shit off?

[Beth]

Go for it.

[Titus]

Thank you.

[Caleb Hammer]

Get your shit off.

[Titus]

Okay, look. All right. I consider it a hobby. It's hobbyist work. All right. This ain't no. And then it works in two folds. It works in two folds. I'm looking at you, Tyler. Cause I need you to be my black savior.

[Tyler]

I'm here to listen. I'm here to listen.

[Titus]

Let's get it.

[Beth]

I'm the only girl. It's a bunch of guys. See if they agree with you.

[Titus]

Yeah, yeah. Okay. So first of all. First of all, how she. How she considers it cheating is she went to work and asked a bunch of her friends. Hey, a friend of mine is. They do me. I posted on like, they all ain't.

[Tyler]

But listen, listen, my dog. Listen, my dog. You know. You know white girls like to talk, so that's what's going to happen. They going to do that and they're just going to get advice from other people.

[Beth]

But if you lay down up to my dogs.

[Caleb Hammer]

The thing is, if she. I was just going to say what she said.

[Beth]

If I lay down a boundary, I laid down the boundary.

[Caleb Hammer]

No, what?

[Tyler]

That's what said.

[Titus]

My whole thing is. I disagree with the premise to begin with because we ain't talking about real okay to keep.

[Tyler]

Why didn't you bring that up, though? Why didn't you say, like, I don't agree with that. You said, I'm okay. I won't do that no more. And then you kept doing it.

[Caleb Hammer]

You feel me? You said, no more.

[Tyler]

Yeah. You said, no more, and then you did it.

[Titus]

Okay, so here's how addiction works, right?

[Tyler]

Oh, here we go.

[Titus]

Here we go. All right, look, look, look, look, look. Both of you are on very thin black ice right now. Okay? Okay.

[Caleb Hammer]

That's the scariest kind.

[Titus]

But, yeah, the roads are slippery and y' all about to get off road, all right? So chill the out. All right? So real quick. I understand, by the way, why does

[Caleb Hammer]

black ice always allow Dodge Chargers to just coast safely along that?

[Titus]

It's racial. It's not racist.

[Caleb Hammer]

I've never seen a Nissan Altima crash with black ice.

[Tyler]

It's the body type.

[Titus]

You know what? I never crashed at Nissan Altima.

[Tyler]

Well, nah, you know that thing beat up?

[Beth]

No, it's no longer existent.

[Tyler]

Yeah, Eddie. Nissan Altima always got some beat up, too.

[Beth]

That's what he had was a Nissan Altima.

[Titus]

He was the inside with plants. So did I, right?

[Beth]

I'm one of you.

[Caleb Hammer]

That was my, like, second car was a Nissan Altima.

[Titus]

I've been through. We ain't gonna talk about it yet anyway. The point I want to. What I'm trying to get off when I'm trying to get off.

[Caleb Hammer]

Yeah.

[Titus]

All is this is this number one is hobbyist, right? So, number one, I'm not very good at the romantic goals anyway, generally speaking, right? So what I do is I run the simulation. What is the simulation? The simulation, all right? I have one that's based off you type shit. Hold up, hold up, hold up. Got all your idiosyncrasies, you know what I'm saying? All your little habits and shit. All that shit I practice argument.

[Beth]

That's even weirder.

[Titus]

It's not. It's not because you are a difficult person to argue with.

[Caleb Hammer]

It's cause I'm not saying would you not learn your lesson if last time she kicked you out type shit.

[Beth]

No. Okay, so one did kick him out. Two, I was seven months pregnant. Six months. Seven months pregnant, whatever. When he's done it three times that I know about. Seven months pregnant. And he almost caused a miscarriage over the fight because I was so pissed cause he started lying to me that I got so pissed, so stressed I was already super high, like high pregnancy, high risk pregnancy that he almost caused a miscarriage and then did it again six months after the baby was born.

[Caleb Hammer]

Drowning in student loans with massive interest rates. I see it on the show all the time. People get a loan to advance their careers only to be left with sky high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans and they looked at your less than perfect credit score and hung up the phone. Maybe part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. You don't deserve to be buried in a high interest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where why Refi comes in. Why Refi works specifically with borrowers who can't get refinancing through traditional lenders. It's their whole thing. They refinance private student loans so you're only paying interest between 0.1% and 5.99% and they legally cannot charge you more than that. They'll even customize your payments to get you out of debt at a pace that works for you. And if you need a co borrower release from your loan, they've got a program for that too. Plus their team is in Phoenix, Arizona. So when you call them, you talk to a real person. It only takes three minutes to check your rates and it doesn't impact your credit score. If you've been told no a million times, try Y Refi. Head to yrefi.com hammer that is yrefy.com hammerhead hammer or call 888-yrefi78 that is 888-yrefi78. Break free from the high interest trap and get your finances under control once and for all. You suck with money. So you download a budgeting app. You start with the classic one, Ynab, but everyone just deletes it because it's way too complicated to use. So you go to everydollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal. Finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollarwise, built by these people just like you for people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download it now, start the free trial. Dollawise.com, link in the description below. Yes, we can agree it might be an addiction that doesn't excuse.

[Beth]

I could say, hey, my addiction is going off. And, like, having you watch me other people, you come tell me, hey, That's

[Titus]

a whole different thing.

[Beth]

I'm just saying. I'm saying, what if I come to you and I'm like, hey, that's my thing. And you're like, hey, I don't want to watch you other people. Then I'd be like, okay, then just wouldn't do it. Right. You know, it's a boundary.

[Titus]

Here's the problem, though. Here's the problem.

[Beth]

It doesn't matter if they're real people or not.

[Titus]

It does very much matter if they're real people. Cause guess at a click of a button, that shit gone in the air. It's gone.

[Caleb Hammer]

But your mom had to put a child protection thing on your phone. Your own mother.

[Beth]

Yes.

[Titus]

Oh, we gonna get into that because that's some bullshit. Okay, so we getting. We get in the argument, right? I'm sorry. I keep moving and that's the thing I shouldn't be doing. But I'm doing it anyway because I'm a little bit upset because every time we have an argument, you gotta bring. My mom's into it. She don't need to know the shit we get into. But you talking about, like, oh, she saved the relationship type shit.

[Beth]

Oh, my God.

[Titus]

Oh, yeah. She begged me to stay with you.

[Beth]

You know those, like. You know those, like, on Tik Tok, they have, like, mama's boys that, like, are way too mama's boy. Mama boys. No that's his relationship with both his mom.

[Titus]

Look, it's a.

[Beth]

And his grandmother.

[Caleb Hammer]

That's why you're so into the milkers.

[Beth]

Yeah.

[Caleb Hammer]

Whoa.

[Titus]

No, no, no, no, no. Listen, listen, listen. I ain't gonna let you get that off.

[Beth]

And his mom, like his grandma.

[Titus]

I ain't gonna let you get that off. Because here's the thing, right? My mother and grandmother supported me singly, right? My mom was a single mother. My mother, my grandmother.

[Caleb Hammer]

We already knew that.

[Titus]

We already knew that. Right, right. But, like, type shit.

[Tyler]

Yeah, that's real. That's real.

[Titus]

That's real. Because here's the thing. Here's the thing.

[Caleb Hammer]

When you were raised from a gated community.

[Titus]

Bro.

[Tyler]

I only have my mom, though.

[Titus]

Exactly. Your Mama went. No, Mama 2 Mom. She went to college. She got a degree. She fucking did Work. She did to work. I respect that. And if she wants to help me out on time, for the record, if she. At a certain point in time, it got a little excess. But ye. A certain point in time wanted to help me out in my time of need. It is not my fault. It's not my job to deny that. Right.

[Beth]

His mom threatened to sue him for all the money back because he borrows so much money from her.

[Titus]

No, she loves me. She ain't gonna do that. But, like, here's the thing. Look, I don't even ask my grandmas for money. She just see my.

[Caleb Hammer]

Oh.

[Beth]

Oh, yeah. Fun fact. He shares a bank account with his grandma.

[Titus]

I had it since college. I just never got rid of it. I. I don't. That's not my.

[Caleb Hammer]

Since you're 31. When are you going to grow up and actually take care of the household without Mommy?

[Beth]

A little low in his bank account. His grandma, which is all the time.

[Caleb Hammer]

I don't know how you guys pay the bills. What's your rent? What's the rent? A house.

[Beth]

$1,400.

[Caleb Hammer]

Okay, so that's. That's more than half our. That's more than half our income. Immediately.

[Beth]

Now, I will say I pay this

[Titus]

early and I'm trying to make it. Make it. I try to make it work. I try to make it work.

[Beth]

Me being me. I had a bunch of money saved up before I went on leave.

[Caleb Hammer]

You being you. What do you mean?

[Beth]

I'm way more responsible financially. Except for more.

[Caleb Hammer]

For seven years. I don't know. You only made it to 20 bucks an hour.

[Beth]

I did. Yeah.

[Caleb Hammer]

For DFW is just not a great income.

[Beth]

That's. I mean, it's not, but I mean, that's not. I mean, I budgeted my money well enough that I was able to survive on my own. I was good.

[Caleb Hammer]

Yeah, on your own. But now you guys have a kid.

[Beth]

Regardless, with the savings account and everything, which. He took all of my savings a month into the relationship. Well, then we saw a month in. He took like, six grand from me. Like a month.

[Caleb Hammer]

Six grand.

[Beth]

Basically, like a month into the relationship. He took my. He cleared out my savings account.

[Tyler]

Cleared out.

[Beth]

Cleared out my savings account down.

[Titus]

Let me.

[Caleb Hammer]

Let me explain.

[Titus]

Look, let the big.

[Tyler]

Ty, I can't be defending you too much, bro. I'm trying to help you out here.

[Titus]

I didn't ask for all of it. Okay? So here's the thing, all right? A month into our relationship, I got into a little accident. It was a. It was a medium accident. It was a medium accident. Was it?

[Beth]

The.

[Titus]

Was it. No. Yeah, that was a medium accident. Right?

[Caleb Hammer]

He had to figure out.

[Titus]

I had to. I had limped. I limped the car home and shit. And then later on, I went to try to get it fixed. I put it in the shop. None of the things that I had. That was, you know, insurance wise, and that was liability and not collision. I didn't get the collision until after the wreck because I tried to get the. You know. Gonna try to get the. You know what I'm saying? I tried to get that. And then. So I needed some money to get the shit off. To get the shit out the shop, so I pulled out money. You probably got some of that on the paper. I pulled out some money. I asked her for. I only asked her for a thousand so I can get the rest of that out. But then more payments came in.

[Beth]

The longest version of the story ever.

[Titus]

I'm telling the correct version, baby.

[Caleb Hammer]

Titus, listen. With all this together, I mean, I know I just have to call it as I see it. In the middle of the argument. In the middle of an argument about this AI bullshit, you accidentally hit her in the face. She got a black guy. Well, I'm finishing. She got a black guy. She cried for 20 minutes. He sat next to you, and you masturbated to anime on an AI site. Okay? So that's the reality of what's happening in this house.

[Beth]

Let me explain what happened. I was seven months pregnant. I could not get up on myself. Right? I. I was huge. And so I pulled up on him. The hitting me was kind of an accident.

[Titus]

It was an accident, kind of.

[Beth]

I pulled up on him and he elbowed me back so hard. He has broken bones on Me, Stuff like that accidentally. Look, okay, we roughhouse really bad, y'. All.

[Titus]

This is hard.

[Beth]

He did like CPR on me and broke my ribs.

[Titus]

It was like fake cpr. Cause it was on the bed and I thought the bed would like, absorb the downward pressure if I let up the upward pressure. But that's not how CPR works.

[Caleb Hammer]

The he doing Batista bobbing her on the bed.

[Titus]

I did spine buster her once onto the.

[Caleb Hammer]

My backup for you gave her a black eye. She cried for 20 minutes. And you masturbated the AI next to

[Beth]

her while I was crying. Because he said I cried too quietly, that he didn't know I was still crying. And in the whole process, he didn't check on me.

[Titus]

Baby, baby.

[Beth]

Nothing.

[Titus]

Baby, baby, I need you to.

[Beth]

But my point was.

[Titus]

You already part of the argument. I'm just trying to get my shit off.

[Beth]

My point is, I have never cry. I don't cry in pain very. I handle pain very well. So if you see someone seven months pregnant that you've known forever, that's linked. Oh, she was seven months pregnant. So this seven months pregnant legit crying full tears in pain. Who never cries when they're hurting. Your thought process is, I'm a jack off. That's what I'm gonna do.

[Titus]

Okay, so. No, no, no, no, no, no.

[Beth]

It still happened.

[Titus]

So. So it wasn't even two minutes later entirely. Right. It was up. I ain't never hit a white woman before. It was.

[Caleb Hammer]

This was you.

[Titus]

It was. But here's the thing. Here's the thing, right?

[Beth]

I think abuse is abuse.

[Titus]

Well, I ain't never hit nobody before.

[Caleb Hammer]

Okay, you said a white woman.

[Titus]

I have hit nobody. I just. I just specified the category of nobody that I've hit, which is white women. I've never hit them. Right.

[Caleb Hammer]

You know, when I talk about people, I don't classify them as a race. Tyler, when I say I haven't done this to someone, I don't say to a black person or to an Asian person.

[Titus]

It doesn't make it less true. That's the thing, right? Just cause I specify, don't make the rest of it not true. Take. So she turns over, right? Like I said, I'm like, are you. Did I actually hurt you? Are you okay? Right. I did all. I did all that. I did all that. We agreed. I did all that.

[Caleb Hammer]

But, Titus, this is the concern. When she was telling the story to Colton in the pre production, you muted her phone so she couldn't finish the story.

[Beth]

He did mute it. He did mute it. Because he didn't want me to finish telling the story about him actually trying

[Titus]

to figure out where she was going with it.

[Beth]

Because his.

[Caleb Hammer]

Why should that matter? Should she not be able to tell the truth?

[Titus]

Ruth, let me finish getting my shit off. All right, so let's. Let's look at him.

[Beth]

His excuse is he had no choice and had to do it.

[Titus]

Whoa, hey.

[Beth]

That's what you said to Colton. That's what he said to Colton after

[Caleb Hammer]

giving her a black eye. You had no choice.

[Beth]

You had to beat her. It was a huge black eye, too. Seven months pregnant, giant black eye.

[Titus]

Timeout. Time out. Time out. I understand what this looks like, gentlemen.

[Beth]

It's all men. You're gonna tell me that y' all never got boners and haven't been able to, you know, not jack off to your crying girlfriend next to you?

[Caleb Hammer]

I've made it work.

[Beth]

Yeah, exactly. And while crying next to you, or can you hold off?

[Caleb Hammer]

I've been able to bring it down.

[Beth]

Look, you didn't. You know, you're out of control.

[Titus]

Eventually, I'm gonna be able to save myself. You can possess your body in this whole scenario. I'm obviously gonna be able to say, titus, listen.

[Caleb Hammer]

Look, Titus, listen. You guys can come here. I just. I want you to know you can trust me and feel confident. Oh, God. I wanted to show you.

[Beth]

Oh, God.

[Caleb Hammer]

I wanted to show you my selection.

[Tyler]

This is our collection.

[Caleb Hammer]

I wanted to show you my collection. You know, that you can be honest with me. What do you mean, collection? You can be honest with me.

[Beth]

You collect.

[Caleb Hammer]

You guys have to go a little further this way.

[Tyler]

Yeah.

[Caleb Hammer]

You can be honest with me and trust me, you don't have to mute her. Mute her phone call. This is a safe place, gentlemen, isn't it?

[Titus]

I feel very safe, very comfortable.

[Tyler]

1,000%. 1,000% totally safe.

[Beth]

She's getting comfortable.

[Titus]

All right. Get out. Is this. Cuz. This is some. Thank you.

[Caleb Hammer]

Thank you, lads. Thank you, friends.

[Tyler]

Appreciate y'.

[Beth]

All.

[Tyler]

Boys, man. Appreciate it. Y.

[Titus]

Boys. I didn't watch that movie, so I need to know, like.

[Caleb Hammer]

Like, I just want to know you're safe. You can be honest here.

[Titus]

Okay? I'm being 100% honest, right. Wild and crazy. I. I'm going to be 100% honest, right? It was a up situation. I. I did check on you. I said, what? Hold on. I did, but, like, time was up. I didn't. I don't know what the difference of time was between me checking on her and what happened was so, like, she had turned over, right? And in My mind in the fetal

[Beth]

position, crying for the R. I did

[Titus]

not know she was crying.

[Beth]

He said I cried too loud for him. Are too quiet. I cried too quietly.

[Titus]

She doesn't cry, right? Like what.

[Caleb Hammer]

What is that? What does that mean?

[Tyler]

What do you mean she don't cry right? What does that even mean?

[Caleb Hammer]

So you'll give him the reason to cry? That's why she got the black eye.

[Beth]

His mom, apparently. Cuz he is a mama's boy. His mom cries loudly. So the fact that I didn't cry loud enough for him meant I wasn't crying. That is what he said.

[Caleb Hammer]

Even if you didn't know she was crying, why would you not check on her frequently after a black eye?

[Beth]

And for the record, he never checked on me except for the first thing he said. Oh, shit, did I actually hit you? And I didn't respond because I was holding my face. Full tears, like falling, holding my face. That was the extent that she was.

[Titus]

She turned over. She turned over. She's silent cry.

[Beth]

It wasn't silent. It wasn't loud enough for him.

[Titus]

Wasn't silent though I figure she right now is afraid of me because I am.

[Beth]

I'm gonna jack up.

[Titus]

So I don't think she wants me to touch her right now. Because this is not the time to be like, oh, baby, oh baby, are you okay? I'm sorry I accidentally hit the watta on you. I did not mean to do that shit. But he said watah like Charles. Because the part of the story that y' all are going to be be forgetting because what happened was she had. All right, I want you to take your arm right here. Grab, just grab a grip of the meat.

[Beth]

I didn't even have nails at the time, right?

[Titus]

She didn't have nails. But your nails, your shit's sharp like mine is short and sharp and deadly. All right? She grabbed the grip of the army. And I didn't expect her to get up because I wouldn't not like get up from the hit. Chill. No. So I didn't expect her to try to get up. Right.

[Beth]

Even though I sat up to the house.

[Titus]

You sat up, you said.

[Beth]

And for the record, this isn't a new thing. I hadn't been able to sit up on my own for a while. So this is. It was a continuous thing.

[Titus]

You didn't want me to help me sit up.

[Beth]

I was so pregnant, I couldn't get up.

[Titus]

I'm not asking you to agree with me, but I'm asking you to understand. All right, all right. If something hit something he's going to grab you here, right? Your first thing is ah, get off. Cause you don't know what's going on back here. He's just. She's just pulling you up, right? Yeah, yeah. So she just whiff out. Even if she said it, she didn't say it loud enough for me to hear here type. So okay. So okay, now you understand it, right?

[Tyler]

No, I don't understand.

[Caleb Hammer]

Now what are we talking about? Thank you.

[Titus]

Your reaction?

[Tyler]

This is going to be. I'm

[Titus]

just had roaches in that department at that point in time. I didn't at that point. I didn't do it at that point.

[Beth]

No, no, no. That was after I was in the hospital. I was in the hospital for a month and he trashed it.

[Caleb Hammer]

Pause. Even if you didn't hear her crying, you know the AI issue, why did you jack off the AI next to

[Beth]

her and not even in the bathroom? We had a two story, you know, that's her issue.

[Titus]

We had two stories between a rock and a hard place. Chill out. No, I was in between a rock and a hard place. Right. Because I knew if she did not want me to touch her because she is dealing with the thing that happened at that time, why did it have

[Caleb Hammer]

to be AI next to her? Her one thing.

[Tyler]

Why are you playing whack a mole

[Titus]

next to her while she's rolled over

[Caleb Hammer]

on the other side trying with the black eye beating your meat.

[Tyler]

Cause you like, oh, she don't want me to touch her.

[Titus]

I'm gonna go.

[Beth]

And even if he wanted to jerk off, even if it was a moment he felt like jacking off, there is a bathroom, there is a whole downstairs, a living room because we lived in a townhouse. So there was a top and a bottom floor.

[Titus]

Why lie next to the room now? Granted I don't look great right now.

[Beth]

It would have been better.

[Titus]

Would it have been better if I just disappeared? If I had did that and disappeared. Cause like I knew it was between a rock and a hot plate. She didn't want me to touch her because she was, she was dealing with all that and probably didn't want me to leave the room because then I looked like a asshole.

[Beth]

I didn't want you in the room.

[Titus]

And then just left her because I was in a whole separate conversation to begin with. And then in all this confusion and psychological.

[Caleb Hammer]

Why haven't you stopped with this AI? So this is her request and we're spending money on it. When your rent is 60% of your income. That cannot be where money's going as simple as this. That. And she has left this. Have you almost left? I know you kicked him out. Have you almost left?

[Beth]

I did leave at one point. And there you go.

[Caleb Hammer]

So multiple times. And listen, I understand. Maybe you didn't hear her crying. Your ears are tiny. God put it all in the nose. Okay, so like, I understand. Maybe that happens.

[Tyler]

Hey, I can't defend you, big dog.

[Titus]

I can't defend you. It's just we. We both twins, like I said. I've been saying this since I walked in.

[Caleb Hammer]

I saw does not look like that.

[Titus]

His nose is different.

[Beth]

He's got a perfect normal nose.

[Tyler]

Appreciate that.

[Beth]

Yours is bell pepper style.

[Tyler]

Listen, I'mma tell you this. My. I'm a translator. I'm here to translate you listen to whatever he got to say. I. I can't help you.

[Titus]

Translated it to them for me.

[Tyler]

Oh, yeah. I got you. You want me to. I got you. I got you.

[Titus]

I got you.

[Tyler]

He said. He said. Punk ass. Why the is you still paying for a goddamn AI girlfriend when you ain't got the money to pay for the. You half your income is going towards rent. So why the are you paying for the AI when your girl told you

[Caleb Hammer]

to stop

[Titus]

type shit talking crazy? All right, look, that's what he's saying, okay? So here is the deal, brother. Here's the deal, right? The amount that is going into that. Number one, here's how I'm justifying this.

[Beth]

Don't look at me.

[Titus]

Here's how I'm looking at you.

[Beth]

Been there, done that.

[Titus]

Here's how I'm justifying it, okay? Number one, right? You get mad at me playing video games with anime girls in it that I ain't even trying to go into type shit, all right? So

[Caleb Hammer]

stupid. That's stupid.

[Beth]

No, no, no, no. Let's do a little correction here.

[Caleb Hammer]

Let him finish.

[Beth]

Let him finish.

[Titus]

Imma finally be able to get my off for once in an argument because you never let me talk. I'm gonna get my shit wrong. See the type of shit I'm talking about? See the type of talk you get mad at some, right? So if I'm not able to breathe here, why should I?

[Beth]

This is a road you don't want to go down because now you're going to be embarrassed. But go, go.

[Tyler]

Let them go.

[Beth]

I'm going. Let him go.

[Caleb Hammer]

Keep down that road.

[Beth]

Get down that road.

[Titus]

Keep going. Keep going.

[Tyler]

Don't respond.

[Titus]

All right, Right. So like, at. At what point I don't get nothing that's mine? Like, for real, like so, like, here's the theory. Deal. Here's the deal, right? We made a deal many years ago. We made a deal that if you didn't see it, it didn't happen type shit. That was the. That was the crux of the deal.

[Beth]

Nope, it was at least try not having that all over your phone. Because we're about to have a child, right? And if our child gets your phone, he doesn't need to see all over his phone. We were talking about. We weren't talking about AI. We weren't talking about any of that. I said, said his whole YouTube feed ended up being AI. Like, it wasn't anime.

[Titus]

It's just anime. This is anime.

[Caleb Hammer]

It's not on YouTube.

[Beth]

You know what I mean? Like half naked anime all over it. I said, I don't want our son to see that when he's in your phone. I feel like that shouldn't be all he's exposed to.

[Titus]

I'll pretend you innocent right now because don't you give money to your ex consistently over time?

[Beth]

See?

[Caleb Hammer]

And how can we do that if literally renting 60% of our income?

[Beth]

I don't pay rent.

[Caleb Hammer]

What?

[Beth]

I don't pay the rent.

[Caleb Hammer]

Well, how are you giving her money with my money? What money? You don't make money. What money?

[Beth]

Cause I saved money. I told you.

[Caleb Hammer]

But you said he took all the money.

[Beth]

No, no, no, no, no. He took that at the very beginning. We've been together for, like, what's in

[Caleb Hammer]

your savings left that's being drained, sending to your ex?

[Beth]

I think there's like, where are you giving your ex?

[Caleb Hammer]

You met him in high school. Your ex must be so long ago.

[Beth]

So I met him in high school. And then we weren't dating, though. We were just really good friends.

[Caleb Hammer]

Why are you giving money to your ex?

[Beth]

Cause he's, you know, he gets really poor sometimes. Poor? Because most of his money goes to, like, weed.

[Caleb Hammer]

And you guys are poor. And why would you enable that?

[Titus]

First of all, why is him being poor your fault?

[Beth]

Because we're still friends.

[Caleb Hammer]

How does that make you feel? I wouldn't make me feel.

[Tyler]

I ain't gonna lie, bro. I would crash out, bro.

[Titus]

I knew this from the JIP jump, right? I knew that from the very beginning.

[Beth]

For the record, I told him I was still friends with my ex, and he had the option to say it was a problem or not, and he said it was okay. I don't want y' all to think I'm not super respectful. I asked past. He said it was okay to stay Friends.

[Tyler]

Being friends with your ex is different than giving money to your ex. That's a whole different thing.

[Caleb Hammer]

Also, if his perspective changed and he was no longer okay with.

[Beth]

He also didn't fully know about me giving money before, so I gotta be

[Titus]

careful about the hand motions I make because of the previous.

[Tyler]

Don't say that. Don't say that. It's already a bad rap on us, bro. Don't be saying that. Yeah, yeah, yeah. Just calm down. You know, we got good.

[Caleb Hammer]

We had Obama. Everything was going great. Obama, you're bringing us down.

[Titus]

All right, so look, look. Okay. She really feels bad for this brother because.

[Caleb Hammer]

And he is a brother.

[Tyler]

He black.

[Beth]

No, he is black.

[Titus]

Oh, he's just black. Not brother. Okay, Brother.

[Caleb Hammer]

Well, that's what I meant.

[Titus]

Right, right, Right. He is black.

[Caleb Hammer]

I'm just very hard on my R's with the broken brother.

[Titus]

Understood. Understood.

[Caleb Hammer]

Only brother.

[Titus]

And I am hard on my R's with the crackers. So, you know, I only like Ritz, Reese's, and. And other shit. Yeah. You know what I'm saying? So it's all good. It's all good. We understand each other in that land. Yeah, yeah, yeah. All right, so she must feel bad for this man because he was poor during the relationship where they were living together for the seven years they were together. Right? And then for some reason after she left, because of the exact reason why he's poor now now. Because he spent all the money on weed and reefers. Right? All. All that. For some reason, she'll cook. She'll contact her and be like, hey, man, I can't eat. I haven't eaten in two to three days type shit. Can I come by here, by the way? Can I. Can you give me the gas money to come by up there so I can pick up some of the. Some of the frozen dinners y' all got? Because I know y'.

[Beth]

All. That was, like, super bad. It was literally when. When y' all called to do the long one, my ex showed up and I didn't tell him. And he showed up to, like, clear out our freezer. Cause he didn't have any money or he didn't have any food.

[Caleb Hammer]

You just need to say this. Look him in the eye. You are with him. I finna cut you off. We no longer have any money. Dead ass. On God.

[Tyler]

Okay?

[Caleb Hammer]

No cap, nigga.

[Titus]

Oh, stewardess. I speak jive. Oh, good. Add that. Add that part.

[Beth]

I'm saying the N word.

[Titus]

Please do.

[Caleb Hammer]

That's the end. You guys don't have money. But I feel Bad, I don't care. Do you feel bad for your kid? Do you feel bad for the relationship that's happening now? You guys have to take care of him. And this savings is probably the only reason you still have a roof over your head. Lots of left in savings.

[Beth]

Okay, so bill wise, I pay all the bills, he just pays rent.

[Titus]

You pay a $200 funky ass electric bill.

[Beth]

I pay all of the bills, he just pays the rent. I do all the groceries, the phone bills, everything. Even though I'm not working for the record, I have like around taxes going down from where there's about two grand, I think in there now. A grand? Two grand.

[Caleb Hammer]

When did it start? Before it started going down?

[Beth]

Like seven.

[Caleb Hammer]

Okay, see, I think it's going down over the course. Seven to two.

[Titus]

Over how long?

[Beth]

Probably since I've been out of work. So.

[Titus]

So six months.

[Caleb Hammer]

So six months. So at this. Okay.

[Titus]

Actually before that, before that, that's when the baby was born. So actually isn't.

[Beth]

No, because I was still getting maternity pay.

[Titus]

That counts.

[Caleb Hammer]

You have three months. Months max, until savings is zero. And then you guys might be on the street.

[Beth]

So. But I. Okay, so I'm trying to get him.

[Caleb Hammer]

And that is not busing.

[Beth]

I'm trying to get. For the record, that wouldn't happen because his mommy pays his bills. But for I. I tried to buy a new computer, right, So I can start working from home. My computer died. So I was like, I need to get a computer so I can work from home, so I can do all of the. So I can do all of the. Take back over the finances. Because before that I fully control finances. So I was like, I need to get a new computer. I saved up money for a computer. I had it dedicated for the computer. He got his car towed, couldn't pay for it and made me pay for it to get his car towed out of the tow yard and then brought back to our unit and then still ended up losing the car to the tow yard because he wouldn't clean it so he could sell the car.

[Caleb Hammer]

Okay, fine. Yeah. Complaining about your current guy, but your last guy is asking you for money for food one to two times a month.

[Beth]

Kay.

[Caleb Hammer]

One to two times a week asking for food.

[Beth]

But he. Yeah, not food, just money for gas money.

[Titus]

Not food. Food is tangible, but he pays back for real. Food is an item that can be traded for goods and services.

[Beth]

Sometimes food is.

[Tyler]

Funny how reliable is sometimes though, you gotta cut this dude off. You can't do that.

[Caleb Hammer]

You don't got no money.

[Titus]

I don't care that he lost 50 pounds. He looks better at the crackheads.

[Beth]

Cause he wasn't eating. He lost like a shit ton of weight. Cause he hasn't been eating.

[Caleb Hammer]

Okay, are we putting our current finances or our ex? Come on, answer it. Come on.

[Beth]

Where are we?

[Titus]

And the subject states, feel bad.

[Beth]

We were together for like seven years.

[Caleb Hammer]

I don't care if you feel bad. You should feel bad when in three months your saving is zero. Rent is 60% of our income. There's a lot of paperwork here. So I'm about to jump into the finances. That means we could be homeless because the minimum payments might be egregious. Come on.

[Beth]

Yeah, yeah.

[Caleb Hammer]

You guys are both. No more money to the ex. No more money to AI girlfriends.

[Titus]

First of all. First of all, tomato. And also tomato. Check it. Like my spendance, my spendings is pales in comparison to what she not on.

[Beth]

Not on subscriptions.

[Titus]

In comparison.

[Tyler]

Nigga, all that. Stop paying for the goddamn AI girlfriend. You won't have no money.

[Titus]

It's 10.

[Beth]

$10.

[Tyler]

I don't give a if it's $10.

[Caleb Hammer]

You know how much $10 adds up for?

[Tyler]

How long you been doing it? How long you been doing it?

[Titus]

Stop.

[Tyler]

How long you been doing it?

[Titus]

We ain't trying to guess, all right?

[Tyler]

How long you been doing it?

[Titus]

I only paid for it.

[Caleb Hammer]

You said since the launch.

[Tyler]

You said since the launch.

[Titus]

No, no, no, no, no, no, no. Free services exist. I understand. Free services exist, right? I only paid for it to up the quality, not the quantity. All right? That's the only thing, right? So like. So like the. So like, when you. When you. When. When you started, you get all the free shit, right? And I did the free shit for many years. For all those years that we talking about. I got the free shit. But here's the thing. Here's the thing. Sometimes the quality don't match the quantity. So sometimes you got to. Sometimes you put $10 into a pool.

[Caleb Hammer]

Guess what?

[Tyler]

Guess what. You know what you can sometimes do

[Caleb Hammer]

not do the girlfriend bullshit. Nigga, stop paying for it. You were kicked out for a week. What are we doing? She's thinking of leaving. Come on. At what point? Not people.

[Titus]

Guys.

[Caleb Hammer]

But she's done.

[Beth]

It doesn't matter. Okay? It doesn matter if it was a boundary, in my opinion. It doesn't matter. Like, I was like, beginning of it, you know? Everyone got their own fetishes, whatever. In the very beginning. Boundary at the very beginning of the race. Like, before you get into it one month in found out about it. If I set up that boundary. It shouldn't matter if I'm like, hey, I consider this cheating. I don't give a if you do or not that people consider cheating to be different things perspective.

[Caleb Hammer]

And if you're choosing to be with

[Beth]

her, you're taking it out that boundary and then you keep doing it.

[Titus]

I don't understand.

[Beth]

It doesn't matter if you don't think it's cheating or you don't think it's real people. It was a boundary I made the beginning of the relationship. That's all that should matter. If you made the decision to stay with me, you agreed not to do it. That should be. That should matter.

[Caleb Hammer]

What do you guys think your household financial score is? 0 to 10, 0 being the worst, 10 being the best. Raise your hand if you've been putting off a doctor's appointment. Be honest. Dental cleaning? Annual checkup? That weird thing you googled at 2am? Yeah, my hand's up too. And thanks to Zocdoc for sponsoring this message. Because here's the problem. When something feels off, most people just doom scroll symptoms, convince themselves it is either nothing or the end of the world, and then do nothing about it at all. And ZocDoc fixes that. ZocDoc is a free app and website that helps you find and book high quality in network doctors so you can find someone you love. You can see real patient reviews, filter by your insurance, find someone nearby and book instantly. No calling offices, no waiting on hold, no excuses. It just makes the whole process simple enough that you actually follow through through. Stop putting off those doctor's appointments and go to Zocdoc.com Caleb to find and instantly book a doctor you love today, that is z o c-o c.com Caleb Zocdoc.com Caleb thanks Zocdoc for sponsoring this message. Let's get back to the podcast. Summer is the perfect time to get your budget in shape. And now that Dollar Wise is officially the best budgeting app on the market, I'm giving you a special deal to download. Download, but only for a limited time. When you sign up for Dollar Wise Annual, you'll get my four course educational bundle as a special bonus so you can get financially ripped while you track your money. And normally this would cost over $700 by the way. But when you claim your summer budget reset discount, you'll only pay $249 for a full year of budgeting and lifetime access to my four bestselling courses. Oh, and you'll also get a free copy of my Budget Friendly cookbook PDF to download so you can also get your body in shape too. Don't wait until your first vacation to try to get your finances together. Go to Dollarwise.com or click that link in the description below.

[Beth]

That sound I'm like collectively a one. I'm just no, probably less. Probably zero.

[Titus]

No, it can't be zero because we do some, we have some step towards the right direction. I'm going to say four and a half to four.

[Beth]

No, it's going to be zero.

[Caleb Hammer]

Okay.

[Titus]

Out of ten. Out of ten out of ten. We call it four.

[Caleb Hammer]

If you want your Hammer Financial score, get it for [e-mail] just takes a few minutes to fill out. See exactly where you stand in the world of money. Again Caleb hammer.com that is free. And if you don't want to be like them who ends up on this show, you'd know where your reoccurring charges are. You'd know where all your money's going.

[Titus]

Oh yeah.

[Caleb Hammer]

If you downloaded the dollar Wise budgeting app with that there's a free trial to see if you like it. Most people take the annual version because it saves a lot of money and you get min. My personalized physical 30 day meal plan detailed for every snack, drink, meal for a whole month that you can use on repeat. And my digital version of my cookbook. I'm signing that thing and I'm mailing it directly to you. Sign up download Dollar Wise. Click the link below. Go to Dollarwise.com okay.

[Titus]

Okay.

[Caleb Hammer]

I want to go to this in this amex that your grandma might be using or something. But like when we even talk about personal finances in this house, how do these conversations go? Because this has been chaotic.

[Beth]

Okay. So we don't really talk about it. Cause I don't. I'm not allowed to know his finances half the time. He knows everything I spend on like that's what the thing is not allowed.

[Titus]

You just don't ask.

[Caleb Hammer]

Oh, you don't ask.

[Beth]

Well then what's I do ask. And I figured out that's when I found out he has like wait, I

[Titus]

gave you that information freely dog because

[Beth]

he didn't know it was on there. He has.

[Caleb Hammer]

I didn't even agree on whether or not she asks.

[Beth]

I do ask.

[Titus]

You don't.

[Beth]

And we I've tried to sit down and make budgets and he's like oh, this is all I have have. And then when I went to come on the show I found out he has like multiple things that he pays for on Google. Multiple YouTube subscriptions.

[Titus]

Just cuz I forgot about him doesn't mean I lied.

[Beth]

Multiple Patreon subscriptions mean I was lying to. Hi.

[Titus]

I just straight up forgot about him though.

[Beth]

Yeah, he forgot.

[Titus]

Apparently. Yeah, I forgot he has that Xbox

[Beth]

subscription that he never.

[Titus]

When you have the 88, sometimes you just don't remember. Sometimes I put. Sometimes you spend money on some Patreon accounts and that you forget that you actually had the Patreon account. Cuz deleted off the phone and then it's not even that much. It's like $2, $5, $6 type. It's not even like added it up.

[Beth]

When I finally got it, it was like $300.

[Caleb Hammer]

Okay, so when you've asked. When you've asked. Okay. He doesn't agree that you ask how does that go?

[Beth]

Pay rent and gas. That's what he tells me. He says all I pay is the rent and I pay for gas.

[Titus]

When he still had gas. And in the one loan that I. That I told you about. I told you about.

[Caleb Hammer]

You guys actually just have no clue what debts you guys actually have.

[Beth]

I don't know what he has. I know what.

[Titus]

I know what you have.

[Beth]

He knows what I have. Married.

[Titus]

That's insane.

[Beth]

I don't know. I told him no one.

[Caleb Hammer]

That's one of the leading things said

[Titus]

yes on the table.

[Caleb Hammer]

That's one of the leading divorce in this country. Finances. I mean, look, okay, single mother, single grandmother. You want her to be a single mother. That's not fair to your kid.

[Titus]

I don't. I'm trying to work this out. That's half the reason why. Why I thought we were here.

[Caleb Hammer]

Okay, when you've tried to work it out, tell me what that looks like.

[Beth]

He didn't want to come on the show.

[Caleb Hammer]

For the record.

[Titus]

Hey, ma'.

[Caleb Hammer]

Am.

[Titus]

Did not ask.

[Beth]

I'm just saying you didn't even want to be on the show.

[Titus]

Ask me.

[Caleb Hammer]

Go on, let him.

[Titus]

All right, chill. Okay, so I will go off the pay the, the. The money I know is coming out because I look at it. Okay, so this is. I tell them. I told her about. Telled her. That's crazy. I told her about the YouTube subscription. I told her about. I did. It's a necessity. We all, we all agree that it is. I told her about the YouTube subscription. I told her about the memberships I was in on YouTube. I told. I didn't tell her about the page.

[Caleb Hammer]

Hammerly who.

[Beth]

I didn't even watch your show.

[Caleb Hammer]

No, it's literally the best and largest One on this platform because we got three shows every single day, six days a week. He's like one of the. He's the head producer on that.

[Titus]

Come on now.

[Caleb Hammer]

It's the best. It gives. More than any other YouTube membership. And you're not even part of that. You're paying for the others. What's wrong with you?

[Tyler]

And $10 for the AI girls rap.

[Titus]

So petty. It was.

[Caleb Hammer]

Yeah.

[Titus]

Come on. Well, anyway, I told her about that.

[Caleb Hammer]

You could be jacking off to us three times a day instead of AI

[Titus]

girlfriend wild and crazy. Please stop. Please don't say that ever.

[Beth]

He's got a baby face. You can.

[Caleb Hammer]

I do?

[Beth]

Yeah. Huge.

[Titus]

What does?

[Beth]

Especially that one time you went and shaved and you liked. Really f. I've watched your show a while.

[Caleb Hammer]

Was it bad?

[Beth]

It was so bad.

[Caleb Hammer]

It was an accident. It was so. It was an accident.

[Beth]

I was like, normally he's pretty okay looking. This is bad.

[Caleb Hammer]

It was an accident.

[Beth]

He shaved all that shit off.

[Titus]

So, like, who do I need to pay? I can get you, like, a Sharpie to connect that up if you need me to, Dog, like, I got you if you need me to. You can get crispy like this. You can get like that.

[Tyler]

He's basically saying he could draw a hairline for you.

[Titus]

Yeah. And then you know what? Over time, with enough prayer, little Rogaine, A little Rogaine, we can get you. We can get you straight crispy like me. It's all good.

[Caleb Hammer]

You said you've tried to broach the subject.

[Titus]

The ADH is crazy. It makes me forget things. All right, so I told about the little thing. YouTube, the note that's coming out. I told her about the memberships in YouTube, those little. That little funky $10. I know that. Knew that was coming out. Right. I told about Xbox even though I didn't play it for a year. I knew that's coming out. I didn't know they increased the price. That's on me. That's my fault. That's my fault.

[Caleb Hammer]

They're lowering at them. They're lowering them.

[Titus]

They are.

[Caleb Hammer]

It's like the only subscription ever that's getting lowered.

[Titus]

Yep.

[Caleb Hammer]

Xbox game. Pass. Oh.

[Beth]

So keep going.

[Titus]

All right. Later. So told them about that.

[Beth]

Thanks for that.

[Titus]

I did not tell about the patient because I forgot about the patient. I told her about the loan that I was paying for the net credit loan. I told her about the 80 that was coming out of check on that one. Right. I was coming out. I told her about the car insurance when I had the car. It was like $270 because I keep up cars, liability. Just liability. It's up. How does this world function like this? I don't know. But anyway, told her that was coming out.

[Caleb Hammer]

Did you tell her about Cricket? Who? Cricket Wireless?

[Titus]

What do you mean, Cricket?

[Caleb Hammer]

Did you tell her about your Cricket Wireless?

[Beth]

Yeah, his mommy pays his phone bill.

[Titus]

Okay.

[Beth]

Yeah.

[Caleb Hammer]

They'll see you soon.

[Beth]

No, they won't. She'll keep paying it.

[Caleb Hammer]

Okay, so you're telling her your bills.

[Titus]

That's telling her the big, big lake. Small lake. All right, I'm telling her the bills. All right. I told her all the things I know about off the rib. I'm not looking at my shit as I'm telling you, so I don't see the extra extra that I. That. That she saw when I sent her the bank statement to be on this show. Okay. I didn't see that. Okay. So that's why I. I feel like I'm being honest. Because it's not. It's not lying if you forgot straight up.

[Beth]

This is all lying. For the record, this is all lying. He didn't tell me this.

[Caleb Hammer]

How do you guys want the household finances to look like?

[Titus]

Better than it is now?

[Caleb Hammer]

No, no, no. But in, like, what structure with combined

[Beth]

accounts or whatever, I'm gonna end up taking them over. Because for the record, taking over is

[Caleb Hammer]

different, because what if he doesn't want the. I don't know, what do we want the household finances to look like?

[Titus]

I do not mind. I do not mind sending whatever money I need to. To cover my side, to take it over to her. As long as they got my little on side. Not for AI, but for personal. Okay.

[Caleb Hammer]

What about different, though? What about. There's one. There's one joint. Your pay goes into it. Her pay goes into. Stop, stop, stop, stop.

[Beth]

He got denied for a joint being account.

[Caleb Hammer]

He did. There's many. There's many more accounts we can look at.

[Beth]

I tried. He got denied.

[Caleb Hammer]

Even still, we'll work on it. After he cleans up his shit, everything goes into a joint. And then that is where all the main things that we know we're budgeting go out of. And then we decide whatever fun amount is a lot in the budget goes to his individual account and goes to your individual account so he can have his fun. And he. You can have your fun now. I don't think I would still do the thing that she said you can't do, but even still. Even still, are we okay with that? Instead of you having to, like, transfer in and it gets all Weird. We transfer out and use our own personal accounts for fun.

[Titus]

Okay, so that sounds wonderful. Okay, that sounds excellent.

[Caleb Hammer]

Good.

[Titus]

Here's the issue, you know, as. As she has said, I personally have gotten a slap down on making a joint account for some reason. Something about my credit.

[Beth]

It's not just you can't count, is it?

[Titus]

Not just.

[Beth]

No. Finish on. I want to talk about the budget, because he lied about all of the budgets.

[Titus]

I did not lie about the budget.

[Beth]

No, he did.

[Titus]

I did not lie.

[Beth]

So for the record, he did not. Whenever we did our finances, I was like, his mom said, you need to make a budget. I'm tired of paying your rent for you. So I was like, yeah, we need to sit down and make a budget. I wrote down every bill. I pay. I pay all of our bills. I pay the groceries, I pay the, you know, the apartment insurance. I pay the light bills. Everything else. I pay everything that you need to make a house run. But besides rent, that's all he pays on his side. I had all of these on his side. He had rent. How much he does in gas and his loan and his car insurance. And he said, that's all I pay. And then we took his bank statement. Then he's like, oh, yeah, I forgot. I also pay Xbox. Oh, I forgot. I also pay Patreon. That was only when we got on the show, though. Don't let him pretend he did that in the budget. Cause that's bullshit. That was Google ones are bullshit too. Didn't tell me anything about Google until I pulled his bank statement and saw it and was like, why the do you have all of these?

[Titus]

Because here's the thing. Didn't know about the Google one.

[Beth]

But you literally just said that. You said. You told me them. Like, literally just Google and YouTube.

[Titus]

YouTube and Google are two separate things, but they run by the same company. But two separate things. No, no, listen. All right, here's the problem. Here's the problem with the statement you made, right? I thought I already canceled the Xbox one until you looked at the page. That don't mean I lied about it.

[Beth]

Who doesn't look at their bank account? Who doesn't look at part. I know everything in my bank account. I know what comes in and out of my bank account every month.

[Caleb Hammer]

I'll ask you.

[Beth]

I look at my bank account better

[Caleb Hammer]

no to the dollar. Listen, on this Amex, you owe 2,791. Your grandma opened it for you. Is it in her name or your name or joint or what?

[Titus]

Okay. Right. American students.

[Beth]

I don't even know what that is.

[Titus]

She don't even know about that because. Okay, let me explain. So when I was in college, I lived with my grandma. My grandma was like, oh, you need to build your credit. So she got me an Amex card, and I just kind of let her have it because, like, I'm not gonna use it type shit. Like, I wasn't. I was. And so I let her have it so she can do whatever the hell she was doing to build my credit. And it worked for a good bit. Cause before I got into that second car wreck.

[Caleb Hammer]

Second car wreck.

[Titus]

We will talk about that when we get there, then.

[Beth]

Third car. Quite a few.

[Titus]

It was not. It's not.

[Caleb Hammer]

What are you doing? Okay, whatever.

[Titus]

You driving, like, keep going, Keep going. Chill. I got us here, didn't I? All right.

[Beth]

I got the extra protection on this rental car.

[Titus]

Oh, really?

[Caleb Hammer]

Yeah.

[Titus]

You didn't even tell me that. Anyway, whatever. So back in the day, I'm moving anywhere. She was like, here's. Here's a card. I'm not going to. I'm like, I'm not going to use it. Well, you got to use it sometime or sometime to build your credit. And. And I was like, you got it. And I said, and that's what. I didn't know that they had a balance on it. I didn't know it existed. I forgot it existed until y' all started talking to me about it. I don't look at my credit report.

[Caleb Hammer]

So it wasn't you. It was your grandma.

[Titus]

So this is all your grandma's first, probably.

[Beth]

Well, now, granted, she was also supporting him while he was in college.

[Caleb Hammer]

Right. But she's keeping a balance out of. So you're not having to pay this. She's paying the minimums.

[Titus]

Yeah.

[Caleb Hammer]

No, we don't know for a fact.

[Titus]

I have actually not.

[Caleb Hammer]

Well, you didn't even know this existed. How can you say no?

[Beth]

But she's. I know she's not paying on any of his credit.

[Caleb Hammer]

Can you get me into the. Are you in the app? Are you in the app? Because this is just like. We wrote down information. Are you able to pull up the app of the Amex so I can even see what's happening in there?

[Beth]

No, I guarantee you with how much money she gives him a month, if there was only that little of a balance. She's not paying it.

[Caleb Hammer]

No, no. Minimum. Minimum.

[Beth]

No, I know what you're saying. I'm saying if there is a balance,

[Caleb Hammer]

it's not in your credit.

[Beth]

There is no way. It was. I think it Was on his credit report?

[Caleb Hammer]

Yeah. Have your credit report for me?

[Beth]

Yeah, it's in your. I send them.

[Titus]

It's in your gimmicks.

[Caleb Hammer]

Can you try to find that in there? Let's. I need to figure out what the minimum is. Is it being paid? So we'll go back to the Amex. Well, you're getting cash advances, Beth.

[Beth]

I do.

[Caleb Hammer]

Okay, so this isn't all him bad you're getting?

[Beth]

No, it was him. No, no, no. It was because he couldn't pay rent or things like that. So I would.

[Caleb Hammer]

But you have savings and you're giving all your savings to your ex for the past.

[Beth]

It was in between, so I had like when I was on maternity leave, there was a good distance where they weren't. I had to go on. I was high risk, so they weren't paying. I had to take like a four month maternity leave, five month maternity leave, something like that. And they took like three months to start paying me my maternity leave. So this was even before all of that.

[Caleb Hammer]

Okay. Either way, you had to pay savings, right?

[Beth]

No, because he wasn't working, so I was paying all of the bills.

[Titus]

Oh, okay.

[Caleb Hammer]

So you're careful.

[Beth]

He hadn't gotten fired again.

[Caleb Hammer]

Well, when was this? Because you still owe 2545 on your cash advances. Do you have minimum payments on them or are they fully drawn and you can't borrow anymore until you pay on them? Like what? What?

[Beth]

I think they're all fully drawn.

[Caleb Hammer]

Okay. Are there minimum payments?

[Beth]

I think they're supposed to be, but I don't think any of them have come out. I think they've just like.

[Caleb Hammer]

Can you pull them up so you can find the out?

[Beth]

I couldn't.

[Caleb Hammer]

I can't build a budget without knowing your minimum.

[Beth]

I don't think like they actually have. I think it's like a pay in full. I don't think they're minimum payments anymore.

[Caleb Hammer]

Okay, that was my question.

[Beth]

But they're not on my credit report.

[Caleb Hammer]

Maybe they will be if they ever sell them off. They just probably haven't sold them off. They just know that you want access to them and you can't take from them unless you pay on them.

[Titus]

Yeah, probably it. Yeah. Was that the one?

[Caleb Hammer]

You're not going to knock up a white, right? They're so annoying. They're the worst.

[Titus]

As much as I may or may not agree with you, I can't. I cannot let it stand, you know?

[Caleb Hammer]

Oh, you guys weren't involved in that conversation. This is between me and my boy.

[Tyler]

No, no. You know, you know I love my snow bunnies though. You know? You know I love them. But listen, but I get, I get a smart one. I get a smart one though.

[Caleb Hammer]

But don't knock them up.

[Tyler]

You're right. You're right, exactly.

[Caleb Hammer]

That's what knocking up is.

[Beth]

I know, but I was told I couldn't have kids. Like by doctors?

[Tyler]

No, like legit.

[Beth]

I had a bunch of surgeries and they said it would be impossible for you to get pregnant. And like even me and my ex, the one, we were together forever, we tried doing fertility, everything.

[Caleb Hammer]

That nut is crazy.

[Beth]

Magic sperm came up in me.

[Caleb Hammer]

That nut is trained as a sprinter.

[Beth]

It is. I like, we were so shocked.

[Titus]

It has a magical leftward curve.

[Beth]

Because I was literally thrilled.

[Titus]

That's all I can tell you.

[Beth]

They were like, there's no way you'll end up pregnant because of. We tried fertility, we tried everything. They're like, with all the stuff you had done, it wouldn't happen. And then boom, baby.

[Tyler]

That means you healthy though.

[Beth]

We also use like protection and we're taking precautions just in case.

[Caleb Hammer]

Dude, that miracle baby you bred with the wrong one. That shit is absolutely trained to sprint.

[Titus]

Huss, huss, huss, huss, huss. Type shit.

[Caleb Hammer]

He was training, running from the tigers, the lions. Then he was training, running from the slavers, then training, running from the plantation, then training, running from prison, then training, now running from the police. That shit was training, running from all the way straight to the egg.

[Beth]

Yeah, he was.

[Caleb Hammer]

It was prepared. That was its entire evolutionary purpose.

[Beth]

My ex was black too.

[Caleb Hammer]

Look, okay, you have a type. Congratulations.

[Beth]

Oh no, I dated a lot of people.

[Tyler]

Racist.

[Beth]

I've only dated two black people. I've only dated two black people.

[Caleb Hammer]

Racism.

[Beth]

Okay, I date the rainbow. I'm not. That's not really a type.

[Titus]

Look, only black. Only 15% of my sperm got to 50% of the ovaries. All just going. We, we just going to accept. Where we at.

[Caleb Hammer]

Listen, the Amex is in good standing. It's $88 a month minimum. It's set up on some auto pay. I do not know if it's you, it's probably grandma. Yeah, but maybe she set it up on yours cuz she's so involved. I don't know. Or she's paying it. But listen, I will. I don't know whether or not to include that in the budget or not. Actually, I will say let's include it in our budget. Maybe it's time to grow up for the first time in our entire lives.

[Titus]

Okay, run it. Run it. Out. Run it, run it, run it, run it. Add it if you want to.

[Caleb Hammer]

Net credit. Who is net credit?

[Titus]

That's me.

[Caleb Hammer]

Net credit.

[Titus]

Okay. At least you know that's the one. That's one of the two I know about. Lord. So the net credit one is what I took out to help pay for the repairs to the car on the second car wreck that she's talking about.

[Caleb Hammer]

Why'd you get in a car crash, Sue?

[Titus]

I was just on the way.

[Beth]

He was playing on his phone.

[Titus]

Hey, how about we let me tell the story since I was the one that was there and not you.

[Caleb Hammer]

Honey, waited.

[Titus]

What?

[Beth]

He was on his.

[Titus]

Anyway, don't listen to her. She wasn't there. She don't know. I was on the way to get it maintenance, which is the ironic part. Lord, if we're gonna live in the world of ironing, this is where we live in that. Okay, So I was on the way back from getting the maintenance. They told me it was 150. I said that and I left down to the long road. It was a long highway. It was like one of those things in the grasslands where, like, you know, the grass is so high you can't really see around the corner. You just know that the corner exists. And so I'm driving around the corner. I look to my left to see if I can change lanes and get over. There is a stoplight or whatever it's called, traffic light around this.

[Caleb Hammer]

Following the law.

[Titus]

Yeah, hold up. We gonna get there.

[Caleb Hammer]

Okay.

[Titus]

All right. I can see the traffic light. I can't see, like, the road because the corner is so. And the grass is so right. And so I look to my left, trying to change lanes. I'm in the far right lane, looking the left. I'll go from this to this right. I see the traffic lights green. I'm like, we straight. We good. I'll go from. I'll go from looking to my left, front truck, still, stock still, for no reason, just right in front of me, right stock still. I'm going, it's a 70 mile an hour highway. All right, I'm going to speed limit. I'm checking my mirror. I'm doing everything I'm supposed to do. Lord. And then, you know, all I could really do is say, you know, the S word. Shit. And then hit the brake hard. You know what I'm saying? And then. That wasn't hard. Yeah, that didn't help. Smacked in the back of the. They was a little bit upset about it, but, you know.

[Caleb Hammer]

Oh, were they?

[Titus]

No.

[Caleb Hammer]

Okay.

[Beth]

There's A teenage. She got hurt.

[Titus]

She didn't get hurt. I don't.

[Caleb Hammer]

Your net credit is. You haven't paid for it all.

[Titus]

No, I paid it.

[Caleb Hammer]

20, 25 was late every single single month. Not missed, but late.

[Titus]

Yeah. Here's the thing, right? So that was probably that point in time where I did. Yeah, I was. I would. That was probably at the point in time where I didn't have a job. And I called him and told them I didn't have a job. And I was wondering if they could defer it for a little bit until I could get that job and I started work. That's when I. Right before I started working at Amazon. Type shit. And then. Yeah. Type shit indeed. So.

[Caleb Hammer]

Oh, that's a jobs website. You don't go on that.

[Beth]

No. No.

[Titus]

Oh. Oh.

[Beth]

He doesn't even apply to his own job.

[Titus]

No.

[Beth]

Guess who does it, Ed?

[Caleb Hammer]

Who?

[Titus]

No, hold on, hold on. We ain't gonna let her do this.

[Caleb Hammer]

Brutal allegations.

[Beth]

It's not an allegation. It's true. His mom applied to his job sometimes and I applied to his job.

[Titus]

Not all.

[Beth]

And his current job, his mommy got him for him. Cause he wouldn't get a job.

[Titus]

That's just coming out of my friend. Like, I applied to the job myself. I did that. Right. It's called networking.

[Caleb Hammer]

I will get you a course. Career certification.

[Titus]

Thank you.

[Caleb Hammer]

This is a class. Many people in the audience have taken these certifications, converted them into six figure jobs, either with raises to their current job or changing their jobs. I'll get one for both of you. And I just want to reiterate because I know I'm making lots of jokes here in this episode, I want you to know that I am a supporter. I am a good man. Today we are supporting black culture in this office. We are doing a fat and fatter episode of Burger King.

[Titus]

Yeah, yeah, yeah.

[Tyler]

What does that have to do. Wait, what does that have to.

[Caleb Hammer]

So I just want you to know that.

[Titus]

So is it both of y'? All.

[Caleb Hammer]

I, as a supporter, also will not be putting on the Burger King crown. I promise. I. But Brandon. Well, he's the racist, so.

[Tyler]

Yeah, that is true. That is true.

[Caleb Hammer]

And he'll be shown up to the airport.

[Beth]

He's the racist.

[Titus]

I knew there was something wrong with you.

[Caleb Hammer]

You haven't seen the. You haven't seen the. You haven't seen the people.

[Beth]

I have a baby.

[Caleb Hammer]

I don't know Burger King crowns in the fucking.

[Titus]

I've never seen a Burger King.

[Beth]

No, I know.

[Caleb Hammer]

At an airport.

[Beth]

I know crowns. But I don't.

[Caleb Hammer]

At an airport, on an airplane. No Burger King crown.

[Tyler]

You don't know what the crown means? No, it's the king. It's the man mascot.

[Beth]

No, I know what the crown is. I don't know.

[Titus]

The little pink one.

[Beth]

Yeah, I know.

[Caleb Hammer]

Wait, none of you guys know the racist thing? Okay, that's fine.

[Titus]

What? There's a racist thing?

[Tyler]

Yeah, he's saying that black people. Say black people work at Burger King.

[Titus]

No, no, no, Never mind.

[Caleb Hammer]

They're just. None of them are getting their own.

[Titus]

And Mexicans work at.

[Caleb Hammer]

You guys never seen the video of the guy wearing the Burger King hat on the plane?

[Beth]

Was it recent? Oh, like I literally have a baby. That's what my time goes to.

[Caleb Hammer]

I'm gonna be so. You know, listen, net credit. Okay, so it was for the wreck. Was this just the tow or was this just, like, the repair?

[Beth]

That was a portion of the repair, and then my savings was the rest of the repair.

[Caleb Hammer]

Okay, $1,512. Second wreck.

[Beth]

No, he said this was for the second. Same wreck two different times. I had to go to the shop.

[Titus]

Yeah, it had to go to the shop again because the radiator. The radiator. They said that it fixed it because I was paying out of pocket. Right.

[Caleb Hammer]

The what?

[Beth]

Radiator.

[Tyler]

He said radiator went out in his car.

[Caleb Hammer]

Okay.

[Titus]

Radiator, blackness, right? Unseat. So, look, I smack, right smacked in front of the vehicle that was in front of me. That's how rear ends work.

[Caleb Hammer]

And you were taking back shots?

[Titus]

Yep, I was giving it. Technically, that's good.

[Beth]

He takes them, too.

[Titus]

What the nani. Whoa. Don't say that on live. That's crazy. That's not true. It's not true. Chill out.

[Caleb Hammer]

I don't know. I don't think. I feel like if that wasn't true, you wouldn't be so defensive.

[Titus]

Yeah, I don't know, bro.

[Tyler]

I don't know. You be tooting that thing up.

[Beth]

Hell, no.

[Titus]

Hell, no. This. We ain't going to try. We ain't going to talk about it, all right? We ain't going to talk about it, all right? We ain't got to talk about anything.

[Beth]

Go on.

[Titus]

Don't, don't.

[Beth]

I'm sorry to tear his personal information. He totally doesn't take it up.

[Titus]

This lady is the craziest lady I've ever seen in my life. She just says lies.

[Caleb Hammer]

That's fine.

[Titus]

She just says lies so easily.

[Caleb Hammer]

Net credit, yo. $1,512 with a $174 minimum payment. But for the last year and a half, you're late every single month. Why are we late? Why are we late?

[Titus]

Okay, so there was a point in time where I didn't have a job because. All right. And so. And so multiple times. For the record, I missed some payments on that on the back end. So I talked to them, right? I called them on the phone, like, hey, easy pay. What's up? I said, hey, can we defer it a little bit so you can help me out? Because I'm going to pay you.

[Caleb Hammer]

Okay, okay. I'm moving on because this is blowing my mind. What? Your mom's not helping you. Your mom's threatening this. Sue you.

[Tyler]

She love me.

[Titus]

She ain't gonna do that. But what, what?

[Caleb Hammer]

What?

[Beth]

Because he owes his mom and grandma so much money that she got pissed it involved. Okay, so the night I found out. The night I found out about him doing that with the baby, I called his mom and was like, I'm gonna leave your son if you don't do something. I swear I'm gonna just leave. I'm so tired. And his mommy's the reason he stays when I said that. Cause his mom gets on him all the time. He loves me, too. But, you know.

[Caleb Hammer]

No, I'm sure.

[Beth]

But I called his mom and she came down here and she was like, I am so tired of you spending it on. I'm gonna sue you for all the, like, seven, eight grand you owe me.

[Titus]

Hold on.

[Caleb Hammer]

Yeah, I have $7,000.

[Beth]

All of this. I'm gonna put all of these child protection things on your phone. Oh, did we not say that yet? We're gonna censor your phone. Like, with child protection, so you can't do anything. And if you need to borrow money or you make your grandma, who still borrows money, or he still takes money from.

[Titus]

Yeah, no, no, no, no, no, no, no. That's not the same thing that she's

[Beth]

gonna sue him for all the money back. Cause she's so tired. Tired of dealing with it.

[Titus]

Look, okay, look, look. I do not ask most, okay? So I only ask mama for money in the cases of emergency. Rent is due. They put the red note on my door every month. Nah, but, like, not really. Not really. But sometimes where I miss work, sometimes. And I'm living check to check, as you probably have seen.

[Caleb Hammer]

Well, yeah, I want you. I want your mom to cut you off. But the thing is, also, without her working with you, only making 24, $2,400 a month, that even when she, like, there's no Chance of being able to afford.

[Beth]

He said he doesn't. He said he doesn't ask his mom for money a lot. It's different. He asked his grandma for money. When it's small amounts of money. When it's large sum of monies is when he goes to his mom. So it's not like he's not constantly borrowing money.

[Caleb Hammer]

And your mom is correct in this. She said, quote, if you have money to pay for your little subscriptions, then you should. Should be paying your rent. That's fair. That's fair.

[Titus]

Okay. It is fair until you understand that the actual amount of money of the prescriptions is non. What's it called? It's not. It's not. It still ain't gonna cover the gap. So, like, it's like, less than how much I would owe. Let me tell you something. So I make my little $1,200 on the check, right?

[Beth]

Which is that, like 12.

[Tyler]

He makes $1,200 on his check when he gets it.

[Caleb Hammer]

Oh, check

[Titus]

not on. Anyway.

[Caleb Hammer]

I don't know. I just didn't understand. Keep going.

[Titus]

I'm gonna figure you out. I thought I figured you out. I don't know if you smart or no.

[Caleb Hammer]

I just couldn't understand.

[Tyler]

He thinks you're slow.

[Beth]

No, no, honey, you don't talk like normal people. No, no.

[Caleb Hammer]

And I am pro this. I have a specific policy. I told Tyler that I do not want him to code switch here.

[Tyler]

Yeah, yeah, yeah. He specifically told me not to code switch.

[Beth]

It took some time for me to get. I can't say it. It took me some time to get.

[Titus]

I'll say it for you. She had to get some nigga knees out. All right? It's called Titus Andes.

[Beth]

There we go. We'll say that.

[Titus]

Titus knees. All right. It's the way that Titus. Me, myself. The T Young Tyt is not just me.

[Caleb Hammer]

Where are you from? Let's see.

[Titus]

I grew up in Kelly, Texas, and then.

[Beth]

So Texas. He's from Texas.

[Titus]

Texas. Texas.

[Caleb Hammer]

I'm being told that's the whitest place.

[Beth]

It is.

[Caleb Hammer]

It is.

[Titus]

It is. But I went to college in Pine Bluff. Therefore, all the black that's in Arkansas. Hsa, hbcu, Python.

[Tyler]

Pine Bluff is a very dangerous area in Arkansas.

[Titus]

Arkansas.

[Tyler]

Very, very black. So super black.

[Caleb Hammer]

That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to 200 in bonus cash right now when you sign up for the checking Account that I use Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. And don't forget, I want you to be on the next episode of Financial Audit. So go to caleb hammer.com apply or click that link in the description below. You'll have a great time. And I'm going to roast the out of you.

[Titus]

I, I, I got re. Indoctrinated, I got reeducated and I understand what I'm like, you know what I'm saying?

[Tyler]

Understood. Listen, bro, I'm gonna talk to you from somebody that loves their mom, bro. He'll get into the finances stuff. But you, you gotta, you gotta make your parents proud, bro. You gotta, you can't keep taking money from that, bro. No, don't speak, don't speak. Like real talk. It makes you look real bad, bro, when you keep taking money from your mom and your grandma, bro. You got, you got, you got to cut that off, bro. You got to start paying that back, bro. And you got to stop, bro. I don't care if you were down, you know what I'm saying? But like, you owe them so much money that you need to stop, bro. It's bad. It's getting real bad.

[Titus]

I understand.

[Tyler]

And you keep saying these little subscriptions. You keep saying $5, $10, $5, $10. You add all that up and it counted in a year. You're spending a lot of, you're spending a lot of money on these small things. Things, bro. That's like if I go to 711 every day and go get a pack of Reese's every single day, that is gonna add up.

[Titus]

You don't.

[Tyler]

I don't.

[Caleb Hammer]

What the.

[Tyler]

I make money and I save money. You feel me? You got to do the same thing. You got to stop spending all these goddamn subscriptions if you don't got the money for it, bro. What are you doing?

[Caleb Hammer]

Allow me to Black and black crime as always.

[Titus]

This is really what we need in our community type shit. Let me, let me actually, Let me actually.

[Beth]

He's got the mindset of like a toddler.

[Titus]

Eh. Hold on.

[Beth]

Stop.

[Caleb Hammer]

Give me another black eye. Careful.

[Titus]

Okay. That one hurt my spirit. Lord. Okay, let me explain, Let me explain something, right? The fact I still have a joint account with my grandma is like, it's not like something that I chose necessarily.

[Caleb Hammer]

Right?

[Titus]

What had happened was. What had happened was.

[Caleb Hammer]

It doesn't matter. Dude, your mom has cut you off, correct?

[Beth]

No.

[Titus]

What?

[Caleb Hammer]

I have a note that she has.

[Beth]

No, she said she would.

[Titus]

Okay, I told you she loves me. She ain't gonna sue me. But like, here's the thing.

[Caleb Hammer]

The note I have is, she said she's not helping anymore. And she said if she sees him begging grandma for money one more time, I will make sure that lawsuit happens.

[Beth]

Yeah. Guess what?

[Titus]

I don't actually beg my grandma for money. My grandma just looked at the account like, hey, baby, I see that you low. I put $50 in there for it. I didn't ask for this shit, but I don't know what to do with it.

[Caleb Hammer]

Who has this Collections? These two collections.

[Titus]

That is probably me.

[Caleb Hammer]

Okay, well, you're letting things go to collections. That's not surprising if you're not paying on things.

[Beth]

I'm pretty sure everything's him except for the cash advance is all him.

[Caleb Hammer]

Well, that's not good either. Cash advance is a bad trap to get into.

[Beth]

Okay.

[Caleb Hammer]

But it could be a valuable tool. But out of trap, you're getting in.

[Beth]

I had like a two month old baby and he wasn't working. And I was trying to pay everything by myself.

[Caleb Hammer]

You'll be a father.

[Beth]

I'm just saying that I, like, I didn't have a choice. I literally had to take it out.

[Caleb Hammer]

Okay. I have zero confidence in the future of this relationship because you were literally about to leave and then you literally just found out you were pregnant. So you felt like you were forced to stay. That's what you told Colton.

[Beth]

That was true.

[Titus]

No.

[Caleb Hammer]

How does that scream this relationship has any longevity? You are forcing to try to make

[Titus]

it work at every point in time.

[Beth]

When we have a baby now, like,

[Titus]

what happened in the most emergency situations when you have four or five kidney stones at the same time. At the same time. Who was with you? It was me. I walked you down them steps as you was crying. Crying in my arms, saying, like, I was in pain. Right.

[Beth]

That's why I was pregnant. I got a kidney stone while I was.

[Titus]

You got several. Several, Right. I'm the one you lean on for this.

[Beth]

He's like the biggest narcissist in the world.

[Titus]

It's not me being a narcissist that I'm doing. Right?

[Beth]

Yeah.

[Titus]

So, like, I. I do, I. I do. I know, I know I got my flaws and shit, but I also have my good. I also have my good side too. Right? And you see that. You see that. You see that and you love that and you want that in Your life because every other nigga was with you. What happened? What I need, I say I'm not trying, I'm not trying to put you on blast.

[Beth]

But he wasn't even bad. He just was bad with money.

[Titus]

Because he ounces of weed at a time, brother. You and I both know that that is a lot of money to be spending when you can't eat.

[Tyler]

That is a lot of money, right?

[Titus]

I spend mine on video games and other little, little, little side bullshits, right? Which can't be,

[Beth]

you know, not weed. I just use it to jerk off

[Titus]

on a daily $10 to $10 hundred. What we talking about, man? What are we talking about? What's more money? I'm saying I, I, I'm. And, and, and I, I've ap. I've apologized already about the AI thing. I'm not doing. No, he's not.

[Beth]

Who knows? He more than likely is. Let's be real.

[Titus]

I'm not doing it no more.

[Beth]

How many times we've been in this fight where he's like, I'm not doing it. And then find out he still is? He more than likely still is.

[Titus]

I'm not, I'm not though. I'm not though, right? I have a car loan.

[Caleb Hammer]

For a car you don't have anymore of $17,031.

[Titus]

Hey.

[Beth]

Hey. Guess what happened to it.

[Caleb Hammer]

Hey, is this not the second wreck?

[Titus]

So this is the first wreck.

[Caleb Hammer]

How'd you do? What?

[Titus]

Okay. All right. So in my life, I've been in

[Beth]

a lot of car accidents.

[Titus]

Four, Four car accidents in my driving life. Four? Yeah, that's one, two, three and all four. So foe. And what happened in this one? Right? I'm driving down the long road. It's a. I'm working. I've worked from 10 o' clock to 11 o' clock at the pharmacy. I'm in, I'm in deep Texas, whatever. Wherever the it was. Where it has a long two lane highway.

[Beth]

It's really country.

[Titus]

Yeah, real. Yeah, real country. Long two lane highway. And it's 11 o' clock at night. Bambi. Ho.

[Beth]

Ass.

[Titus]

I hate Bam. Hey, Bambi. I hope I'm glad your mama died. Bambihoba has come across the street. I see this last second because I'm sleepy. You wanna know why I'm sleepy? I work till 11 o'. Clock. So I see this last second. So I move this way, right? That little motion had me catch this concrete. Whatever the little. You know what I'm talking about, right?

[Caleb Hammer]

Median.

[Titus]

It's not the median. It's on The. It's on the. It's on the shoulder.

[Beth]

Curb.

[Titus]

It's not even a curb. Because it's on the. Because it's country. Remember? Country don't have curve. They have grass and they have not grass. And so I hit the.

[Caleb Hammer]

Okay.

[Titus]

I hit drainages, you know, road type. I hit that car eight times. Flip the car. Eight. Didn't know it was eight. I thought it was one. I counted one.

[Caleb Hammer]

Do you have a minimum monthly payment on this? I assume it's. It's in collections. Cuz we couldn't get info on it.

[Beth]

It's in collections. He quit paying it.

[Titus]

Yeah.

[Caleb Hammer]

Who the has 73.458,000 student loans.

[Titus]

I didn't even know that.

[Caleb Hammer]

Who?

[Beth]

Him.

[Caleb Hammer]

Titus?

[Beth]

Yep.

[Caleb Hammer]

For what?

[Titus]

Paul.

[Beth]

Who also got financial aid and various other things.

[Titus]

Okay, let me talk about this, okay? Cause this is not. Cause I didn't even know. I didn't even know this until I saw the report. So what happened?

[Caleb Hammer]

Really?

[Titus]

Yeah. So federal.

[Caleb Hammer]

Is this federal or private?

[Titus]

Who knows?

[Beth]

It was before we were dating.

[Caleb Hammer]

Oh, it's the next page. Oh.

[Titus]

U.S. department of Education.

[Caleb Hammer]

They are gonna garnish your wages if they're not already. And they're gonna garnish expensive I think up to 25% of your income. And you can't afford 25%. They are going to garnish up to 25% of your income. They will take it. It'll go to default. They will take it. It's in needs attention. It's about to be in you are territory. It's the government. They don't around they can get in your bank account.

[Beth]

Which I didn't even know. He didn't even tell me he had student loans.

[Caleb Hammer]

At first he didn't know until this

[Beth]

he said didn't even know.

[Titus]

So my mom set me up for several loans when I was. Yeah send me off for several loan. As I was getting geared up for college. I thought I wouldn't have to pay it. I was.

[Caleb Hammer]

What degree do you have? $14 an hour or 15. What degree?

[Beth]

Communications.

[Titus]

Mass communication. Broadcast.

[Caleb Hammer]

No. You got one of the women degrees?

[Beth]

Yep.

[Tyler]

I ain't going to lie, bro.

[Titus]

Who was supposed to do this?

[Tyler]

Listen dog, I got the same degree. What am I doing now?

[Titus]

You doing better than me.

[Caleb Hammer]

He's communicating.

[Tyler]

I do sports broad. I got one in sports broadcast.

[Titus]

That's the thing I want to do, bro.

[Tyler]

You're not making money in sports broadcast, bro.

[Titus]

Not no bro.

[Tyler]

Because all you gonna do is free free internships and that's it. Unless you know Somebody you're making minimum

[Caleb Hammer]

wage and the audience has to understand what's being said.

[Beth]

So fun fact.

[Tyler]

So if you work in broadcast, you're

[Titus]

not making your money.

[Beth]

I know somebody in the industry. This is fun to bring out. I know somebody, friend who's on tv. I'm not gonna say who it is, but he's in the industry. We're friends. I.

[Caleb Hammer]

So you got breeded by him?

[Beth]

I. I talk. He's married. He has a beautiful wife. But anyways, I talked him to and I was like, hey, my boyfriend really wants to get into this industry. It was one of the times he lost his job. And he was like, yeah, I will totally help him out. Have him message me, hit me up and like, I'll see what I can do. Never messaged him, never took the time, nothing. And I was like, I literally know somebody in this industry. He's huge. Never messaged him, never took the time, nothing Ever. That was like two years ago. I was like, don't message him now, because he's gonna see no point. Because you had that opportunity. No shit. And you threw that shit away.

[Caleb Hammer]

What do you care?

[Titus]

Care about what you're doing, bro.

[Tyler]

That's the only way you're gonna get into this.

[Beth]

I was like, dude, I know somebody. I didn't know that's what you were into. I literally know somebody I can help make this go.

[Caleb Hammer]

Did you get your degree?

[Titus]

I did get my degree.

[Caleb Hammer]

That's good.

[Tyler]

Congratulations.

[Titus]

Yeah, thank you. Thank you very much. I deserve it. So what happened? Right? I was focused on getting the right now job, right? And she gave me that. I'm still in the no job scenario, right? So I'm focusing on like, like semi appliance. Like this, this is at the point in time where she, where she brings this man forward.

[Caleb Hammer]

What does he do with this degree?

[Beth]

Nothing.

[Tyler]

It's literally all you can do is internships. And if you know somebody, you can get in. It's. That's pretty much.

[Caleb Hammer]

And you just have to use having a bachelor's degree to get into something you got to do better than now, man. Do you got to do a certification? Change with course, Chris, because this is just brutal. It's one of those women's day degrees like communications.

[Titus]

Communication, Mass communication with broadcast. It's not just communication, mass communication, broadcast journaling with.

[Caleb Hammer]

Well, then you should have a job if it's mass communication.

[Beth]

You had an opening to somebody who was willing to bring you on to a national television show.

[Tyler]

One thing that also makes that degree really bad is that it's so broad that jobs don't like you because they don't know what you're specifically good at. They just know that you're good at a lot of different things. So it just knows that you're not, you're not going to find something specific unless you know something, somebody. And if you had an opportunity to know somebody and you didn't take that opportunity.

[Beth]

And the worst thing, like it's like, what are you going to do? Like if you had somebody come on here and he was like, hey Caleb, I have all this experience and stuff and like my or my friend does and they don't message you for two years, like you're not going to want to hire them on your show. You're going to be like, they weren't serious about it. So now I'm telling them there's no point messaging him now.

[Caleb Hammer]

Hey, that's his degree too.

[Beth]

I was like, there's no point in messaging after that many years. Like whenever I hyped you up and then you didn't message them for two years.

[Caleb Hammer]

Years.

[Titus]

Yeah.

[Beth]

And I was like, hey, he'll message you like tomorrow. You missed that. Beautiful.

[Caleb Hammer]

You need to contact the department of education, the servicer that's doing. I think it was like now in that error, what's one of them? Either way, you need to get on a repayment assistance program immediately with what your low income could be is literally 1% of your income. But if you don't, I think you were literally potentially days or weeks at best away from them garnishing 25% of every single paycheck check, which makes no sense because you could contact them right now and get on for as low as 1%. But you need to talk to them immediately. And you may have already missed it. And this might already be happening. You don't even know it.

[Titus]

Hmm.

[Caleb Hammer]

Yes, it's bad. You don't understand how dangerous this is. And that garnishment's gonna take forever. $73,000.

[Titus]

Here's the thing, I don't even know why it's that much. Cuz like I don't even think because

[Caleb Hammer]

the interest has been up. Well, you weren't paying anything.

[Titus]

I wasn't paying anything.

[Caleb Hammer]

Even with the payment assistance, since 1%, you'll at least make it not go to default, but it's going to balloon. Then it'll take 40 years until it's off. But even still, regardless, who has bank of America? You have 21 cents. 21 cents.

[Titus]

Look, this is cash app.

[Caleb Hammer]

Cash up Cash app. We'll probably get to that at some point.

[Beth]

But it's just if it's getting cash app, it's me continuously sending him money for me to.

[Caleb Hammer]

Oh, and all for this. So you make no money and you have to borrow money and she's giving you money. What is it for?

[Beth]

As a stay at home parent?

[Caleb Hammer]

It's for a subscription. For door dashing, for going in and getting some bullshit for another subscription for whataburger for going in and getting some bullshit for a subscription for some restaurant from another restaurant from cash app out that time from Patreon. Some bullshit mobile purchase. Mobile purchase, Mobile purchase in app games. I don't know what is it? No, that's probably the goon into the ad. More than likely going in and getting some bull Patreon again. What are you doing? What are you doing when you go in and get something for $3.25? What are you buying?

[Beth]

Energy drinks probably.

[Caleb Hammer]

Stop that with that shit dude. You gotta stop it. Look here, you're a gooner so you want some goonship right? Here, let me find a goon here, this one's perfect for you. It's Steve Harvey.

[Beth]

Listen, is it really?

[Caleb Hammer]

What the gamer subs. You are making that at home just like you would make coffee at home instead of getting Starbucks. No more stopping in for throwing $3.25. You make that with my discount code

[Beth]

for a 40 cents a serving ones though.

[Caleb Hammer]

40 cents a serving, huh?

[Beth]

I don't do energy drinks.

[Caleb Hammer]

You can do the hydration versions as well. This one's for him so it doesn't stop at the gas station anymore.

[Titus]

Does this say lean?

[Tyler]

Yes sir. Yes sir.

[Titus]

What are we doing right now?

[Tyler]

Yes sir.

[Caleb Hammer]

Racism and flavor.

[Titus]

It's racial.

[Tyler]

It's racial. Not racist.

[Titus]

Not racist.

[Caleb Hammer]

And delicious and cheap with 40 cents and serving. Listen, get your free samples right now. Figure out what flavor you like using my code. Caleb at the link in the description below. Get your free samples, figure out what flavor you like, then get your gamer subs. It is 40 cents a serving. Seriously though, it will save you a lot of money. You gotta. That's 40 cents a serving instead of $3.25 every single time. Come on dude, stop being a dumbass cuz then there's an energy drink. There's an energy drink. Deep Flow. What's Deep Flow?

[Beth]

He also buys.

[Titus]

I have no clue. And here's.

[Caleb Hammer]

It's in your subscriptions on your phone. Go into your subscription.

[Beth]

I stand.

[Titus]

I stand by.

[Beth]

Because he has androids.

[Caleb Hammer]

Okay, pull open your phone.

[Titus]

Yeah, open Your phone. Come on, come on. Let me, let me ride. Let me ride. Cuz here's the thing, right? I looked it up. I had no clue what it was after I looked it up. I don't know what it was when I looked it up during. And how the do I get into. I need to get in.

[Beth]

Just give him the phone.

[Titus]

You're.

[Beth]

Make sure you cover the screen though. It's my baby on the screen.

[Titus]

Oh, right, yeah, that's true.

[Beth]

No, he'll cover it.

[Caleb Hammer]

No, no, no, none of that. That will be in there.

[Titus]

Yeah, yeah, yeah. It won't be on there.

[Caleb Hammer]

What are you doing? I told you.

[Titus]

I'm either getting my wallet or what?

[Beth]

Okay, here, just give him the phone.

[Caleb Hammer]

Go have it.

[Titus]

Have at it.

[Beth]

Use hand sanitizer when you're done. He goons a lot. I told you. Warned you.

[Titus]

Hey, hey, look. Hey look. We can play.

[Caleb Hammer]

Just going to look it up. Another subscription. Going against some Microsoft Xbox subscription. Hobby lobby. Some lobby.

[Titus]

Lobby.

[Caleb Hammer]

That's her. This is another in app purchase. Another goon purchase. And then smoke and chill. Listen, you spend hundreds, if not, maybe even upwards to $1,000 a month on bullshit. When you only make 2,400, you're likely getting garnished. Your grandparents, grandmother and mom have to give you money and she has to send you money. This is pathetic little child behavior. I was gonna say boy behavior, but I don't wanna be racist. That is child behavior.

[Beth]

He spends a fortune on like.

[Caleb Hammer]

No, you need to grow the up. It's time to be a man.

[Beth]

That's the crazy part. Shut up, bitch. I'm talking and this is a lot to spend.

[Caleb Hammer]

Woman. Why are you talking shit that's a lot. I don't give a shit what you're saying. I'm saying things to him. You need to become a man. What is wrong with you?

[Beth]

I didn't say anything.

[Caleb Hammer]

You need to become a man. You have a child. It is time to man up. It is time to man up. You're being a kid. You're being a kid. Seriously, you are acting like a child.

[Titus]

Look, okay, I did not understand the financial burden of a child like when we first had him, right, As a kid.

[Caleb Hammer]

How do you not know? No, it's a breathing and sleep app that you probably needed, but you're being charged for it. That's what deep flow is.

[Titus]

Breathing and sleep.

[Beth]

It's a breathing and sleep app.

[Caleb Hammer]

I don't know.

[Titus]

But your app where you sleep and breathe. What do you want from me? I don't know. I Don't remember getting it the first place.

[Caleb Hammer]

He probably. He has literally like 10 different reoccurring subscriptions in here. He probably just signs up for them without even knowing at this point.

[Titus]

Probably.

[Caleb Hammer]

You're overdrafting. Yeah, I did that every month.

[Titus]

Yeah, I did that.

[Caleb Hammer]

Yeah. This is a pathetic excuse of a father right there.

[Titus]

Jesus Christ.

[Caleb Hammer]

Financially, Christmas it is. That is true. Who's one?

[Beth]

Pay me.

[Caleb Hammer]

Well, you're negative $35, so you're worse. And this is cash app to him. Cash app. Cash app. You're going to Dairy Queen. You're going inside.

[Beth]

Hey, shut the up.

[Caleb Hammer]

I don't give a shit. You're stopping and getting some bullshit. You're stopping and getting some bullshit. Taco Bell, doordash, Panda Express. Bullshit. Cash app out Texas thrift, McDonald's thrift. Giant belt, Lisa's Chicken. Going and eating some bullshit, bullshit, bullshit. Cash app. Cash app. Cash app. Cash App. Bullshit, Bullshit. Cash app. Bullshit, bullshit.

[Titus]

Meanwhile, Boost mobile.

[Beth]

It's only $10 a month. Yo. You can't get mad. I pay $10 a month for my phone.

[Caleb Hammer]

It's just stereotypical.

[Beth]

Okay, but it's $10 a month. Even helium isn't that cheap.

[Caleb Hammer]

It can be. There's a free plan.

[Beth]

Okay, well that's only $10 a month. Okay, we'll do everything on my phone.

[Caleb Hammer]

So zero better. But that's not unlimited.

[Titus]

And to be clear, right, Those cash apps that were coming in were probably

[Caleb Hammer]

from her, yet you still overdrafted.

[Titus]

Fair. But to me to pay for some shit for her.

[Beth]

No, it's not.

[Titus]

That is 90% of what this is

[Beth]

because my bank account is a joint account. His bank account. Bullshit.

[Caleb Hammer]

McDonald's cash app. Bullshit, bullshit, bullshit, bullshit. McDonald's bullshit. Dude, you're getting like $3 target. $3 target. $6 target. This is bullshit. Cash app.

[Beth]

You also get groceries. We get food stamps though. So I use food stamps for part and then like if I buy something.

[Caleb Hammer]

But you're doing it like five in a row right there in one day. Like it's all there's and food stamp

[Beth]

and groceries and they may just all pin in one day.

[Caleb Hammer]

Hey, good thing we give you food stamps because then you're doing 20 on UberEats. Why should we support.

[Beth]

Because I order my groceries through there though.

[Caleb Hammer]

Hey, Panda Express was not groceries. Why are we supporting you? Why did I just write a two million dollar check to taxes the other day? Why are we supporting you when you are going and spending your money on Panda Express?

[Beth]

Okay, but it's me who's like basically like a single parent because half the time he does not help with a baby. It is true.

[Titus]

We ain't gonna just play, we're just

[Beth]

gonna throw that out. It's just me.

[Caleb Hammer]

Fine. Fine, Fine, fine, fine. Pause. Let me ask a better question. Why are we supporting you? And I'm writing millions in taxes when you spent upwards of $500 going out to eat last month. And yet we have to support you. That's a disgusting excuse.

[Beth]

Prep and take care of an infant.

[Caleb Hammer]

You're at home all day. You're a stay at home mother. You can meal prep.

[Beth]

I do. Sometimes not enough, but I had to meal prep.

[Caleb Hammer]

Why are we supporting you when you're going out to eat $500 a month? It's disgusting yourself.

[Titus]

Dash. Pass.

[Caleb Hammer]

Bullshit. Bullshit. Cash app out. Door. Dash again. Bullshit. Go. Brands, Burger King, DoorDash. Good thing we're giving you assistance. Stopping in the gas station, getting some bullshit.

[Beth]

That's him.

[Caleb Hammer]

Amazon. Amazon, probably me. Yeah. Bullshit. Bullshit. LJ's. LJ. Wait. LJS.

[Beth]

What is this?

[Caleb Hammer]

Two of them? I don't know. Instacart. Bullshit.

[Beth]

How much was it for?

[Caleb Hammer]

Bullshit. Bullshit. I don't even care. Gopuff. That's groceries as well. Bullshit. Instacart. Instacart. Instacart. Bullshit. Bullshit. This is so stupid. You guys are so.

[Beth]

Oh, I don't even know what that is to be stupid, Ray.

[Caleb Hammer]

Why would we. This is.

[Beth]

Okay, it's just letters.

[Caleb Hammer]

How are we supposed to know what that is? Here's the cash app. Cause maybe the place would be letters branded.

[Beth]

What place is literally three letters?

[Caleb Hammer]

BJ's is a place.

[Beth]

I don't know. I've never been there.

[Titus]

She never been. Well, there you go.

[Caleb Hammer]

There's an example.

[Beth]

But isn't there more to it than

[Caleb Hammer]

there you go technically. Listen, you're instacarting and go puffing all the time. Listen, I understand doing it like once every other week.

[Titus]

We don't have a car. We don't have a car.

[Caleb Hammer]

No, which is why I was going to say I understand doing it like once a week. Once every other week to mass grocery shop. But you're doing it almost every single

[Beth]

day a lot of times. Okay, I know this is going to sound like a cop out, but. But it's like for real. A lot of times.

[Titus]

Cope.

[Beth]

It is. A lot of times it will run out of shit for the baby. Like, I don't know.

[Titus]

Baby. It can't be Cope if it's Baby. Baby.

[Beth]

I'm literally like, I'll Run out of things. I don't know that.

[Caleb Hammer]

Because you shouldn't be. Because she's a stay at home mother. She should be managing this.

[Beth]

Yeah, but he also does, you know, sometimes he'll feed the babies. Like I'm like. I don't know if he's out of it or not.

[Caleb Hammer]

Oh, good. And you have an amazing retirement of $0 anymore.

[Titus]

Yeah.

[Caleb Hammer]

No, wait. $0? It started at 7. Wait, so that's your savings? It's just pulling from retirement. You didn't have savings?

[Beth]

No, no, no, no. I said I had savings before. When we first got together, I had like eight grand in savings. All of that went to his car,

[Titus]

to be fair on that.

[Caleb Hammer]

Yeah. What about your 401k? That went from.

[Beth]

I had to take that out because he wasn't working.

[Titus]

And then we.

[Beth]

And I had an infant and I had to take care of the baby and pay all the bills and do everything by myself.

[Caleb Hammer]

Pathetic. Also, LJS is likely wanting Long John Silver's.

[Titus]

Oh shit. Yeah, it is.

[Beth]

Oh, that makes sense.

[Caleb Hammer]

Which by the way, we did a fat and fatter test the other day.

[Beth]

I honestly.

[Caleb Hammer]

It's actually pretty good.

[Beth]

I hated it.

[Caleb Hammer]

It's pretty good.

[Beth]

I hated it until I got pregnant and then like, I don't know, after that. The baby craved long. It did.

[Caleb Hammer]

Yeah. Make excuses for your disgusting behavior.

[Beth]

I hated seafood altogether until I got pregnant. And the baby likes fish. So now I love.

[Titus]

Every woman I've ever dated in my life has been allergic to fish in some way, fashion or form. I got one.

[Beth]

I dated one.

[Titus]

That had the seed. That had the seed to the point.

[Beth]

I'm not kidding. I'm his second girlfriend.

[Titus]

It's gotta be the way.

[Tyler]

Just wait till the catfish just dated

[Beth]

one other person besides me and they were not a repeat.

[Caleb Hammer]

Shut up.

[Beth]

They're not.

[Caleb Hammer]

What dollar a month do you get in food stamps a month?

[Beth]

400.

[Caleb Hammer]

You guys are so annoying. You're so loud.

[Titus]

Yeah, yeah. That's just kind of my thing.

[Caleb Hammer]

It's not good.

[Titus]

It's not bad.

[Caleb Hammer]

Okay. You should be able to contribute an extra $400 a month to groceries. I was side of that. That'll be fine. With meal prep, TP fund, anything else you and the kid need to survive, we should probably be able to do 250 bucks. Probably not.

[Beth]

Diapers are expensive.

[Caleb Hammer]

How much is a month of diapers for you?

[Titus]

A month of diapers?

[Beth]

Probably close to 100.

[Caleb Hammer]

There you go. 250 is fine. But I also have TP fund. You don't need all the inside of formula.

[Beth]

I have to also buy formula though, for a second.

[Caleb Hammer]

That's in your grocery. I put it in there.

[Beth]

Didn't you just put the food stamps on though?

[Caleb Hammer]

No, I did. 400 is food stamps and then 400 of you.

[Beth]

Oh, okay.

[Caleb Hammer]

Goes to it.

[Beth]

Okay. I thought you meant food Boost Mobile.

[Caleb Hammer]

It was like 11 bucks.

[Beth]

Yeah.

[Caleb Hammer]

Okay. Car insurance, how much?

[Beth]

None.

[Titus]

None. I don't have a car.

[Caleb Hammer]

That's right. So no gas. What about transportation with Ubers or a lot or bus?

[Titus]

I don't Uber often. I'll normally take the. Take the long road and walk it. That's good now. Cuz I. I've been doing that.

[Caleb Hammer]

How much. How much do we need to contribute a month?

[Titus]

Hey, let's. For emergency purposes, let's call it 50.

[Beth]

Yeah, like 50.

[Caleb Hammer]

That's it. A month.

[Beth]

Okay.

[Caleb Hammer]

That's not a lot. Okay. Rent was what again?

[Titus]

1401.

[Caleb Hammer]

Okay. And then all utilities, including Internet together.

[Titus]

We don't pay for Internet, do we? Yeah, we do.

[Beth]

We do Internet. I would say close to like 400 for everything.

[Caleb Hammer]

You guys are.

[Beth]

Yeah, because I pay Internet. I pay insurance. I pay like the electric renters.

[Titus]

Insurance is 20 bucks. What are you talking about?

[Beth]

So like it's not. It's like 30 something, but it's.

[Caleb Hammer]

I'm gonna assume your student loans minimum sleep payment will be 150 if you get on the wrap plan.

[Titus]

What kind of plan?

[Caleb Hammer]

Rap. It's made just for you. Just take it. Repayment assistance program.

[Titus]

All right, so we playing the racial and racist.

[Tyler]

No, no, no, he's for real. It's called rap. It's called rap. It was formerly known as save, but now it's. Now it's wrap. Basically they go off. They go off of your income on

[Titus]

how much you saved in the blood. Wrapped in blood. Okay, got it, got it, got it, got it.

[Caleb Hammer]

And we looked at you knew you couldn't save, so we turned it into rap. $412 is your debt. Minimum payments, small size, likely. Medical, health care there. Co pays and stuff. I mean, I'm sure you're on all the benefits.

[Titus]

Yeah, I. I pay 20 something. Nah, like it comes out. It comes directly out my check. I forget how much.

[Caleb Hammer]

But I'm talking about co pays, like afterwards medication, stuff like this.

[Tyler]

We don't.

[Beth]

Right now me and the baby are the only ones, so. No, no, I'm still on pregnancy medication.

[Caleb Hammer]

So you're doing $40.

[Beth]

I'm on pregnancy medicine.

[Caleb Hammer]

Shut up. $40 on subscriptions. You really have to pick and choose what they go towards. Now you have any pets?

[Beth]

Yes, but they're too old for insurance.

[Caleb Hammer]

How much for pet food?

[Beth]

Like $40 a month?

[Titus]

Yeah.

[Caleb Hammer]

Anything else that needs to be in this budget that I have not put in? Guys, this is going to be really difficult.

[Beth]

I don't think so.

[Titus]

Now you got all the. Nope. Yeah, I don't think so.

[Beth]

I don't think so. Yeah, just the boys with their food.

[Titus]

But yeah, their food is like $25 a swing and that's like a month. Ish. So yeah.

[Caleb Hammer]

And even with this, they're still obviously underwater by 600 bucks. You need $3,005 just to survive. Basic minimums. Here's the reality. You are applying, you are curating your resume. Do a resume builder, help with AI. They will review that. Making a good resume is easier now than ever. And you are applying to every single job that exists in this world. Using your 4 year degree to get any job that gets upwards of like 25 bucks an hour at a minimum. Now you are doing that. You need to make more money. That is your second full job is finding a better job. And then you're going to be working two jobs. So until then you need to be working 80 hours a week. It's just as simple as that. You need to go pick up whatever job you can. I don't really give a shit. You need to be a provider. And here's the reality. In your area, in a larger metro like that, you will likely have child services that you can take advantage of. It's your income situation.

[Beth]

I can, but I won't. Huh? I won't put them in childcare.

[Caleb Hammer]

Okay, then go yourself.

[Beth]

No, you don't get it. Like I worked in childcare for so long.

[Caleb Hammer]

They're so you are going to lose your job.

[Beth]

I can work from home and be fine. I am willing to do what I've tried.

[Caleb Hammer]

No, no, you need to listen for a second. Mute her mic so she can't talk. Thank you. So now you know you can't contribute to this conversation. Not that you were in the first place. The reality is no one can hear you. So you're just talking to yourself. The reality is you are going to lose the roof over your head of this kid. Now you say you can work from home. Here's the fact. Work from home jobs are the very small minority now. And also, also you don't really have the skills and qualifications that's gonna put you ahead of the front lines anyway. Like you just like you don't. The fact is you need to Go get a job. He needs to be a bigger provider. Don't get me wrong. But I would. It's not that I do not want your kid in childcare. I'm not saying that I would rather you take care of your kid. But I would also rather your kid have a roof over his head and food on the table than have his mom stay staying at home. Okay. I choose that. So unfortunately for a temporary basis he needs to go get a second job now. McDonald's. I don't give a shit. It's anything. Cause you have to make the minimums right now. We're not making the minimums. Who knows how long mom's gonna support. But eviction will be coming. You'll be. And that's it. That's it. Those are your options. Bankruptcy's not gonna clear this shit. Your minimum due payments aren't even bad. Your bad wants the student loans and that's not even gonna do do because bankruptcy doesn't get rid of it. Okay. We have a crazy thing to talk about in the poster that we couldn't talk about in the main show. Guys like actually insane. That blows up this entire relationship that happened from her end that she didn't want to talk about on the main show. So get ready. So join Hammerly but let's get your Hammer financial score Spending in a budget overspent obviously. 0 out of 10 debt collections 0 out of 10 emergency fund nothing. 010 retirement drained it. 00 done. Actually emergency fund is 2000. So I will give that for the household a 1 out of 10 today with a kid and everything. Real Estate 010 rounded up Hammer financial score 0.5 out of 10 get yours@caleb hammer.com now click the join button. Join Hammer League best membership on YouTube where you get three premium shows six days a week. It is incredible. This is about to be an amazing post show. You have no idea. Watch the teaser now. See you there.

[Titus]

Why they talking like you cheating on me? What the is going on here?

[Caleb Hammer]

It's not a revenge thing because of

[Beth]

his I like sometimes my ex that I also get money to just like hangs out with us.

[Titus]

You have a baby.

[Caleb Hammer]

What the weird dude we just say

[Beth]

I you know we don't have a car. I can't go anywhere comes over the ax.

[Caleb Hammer]

Don't forget the summer budget reset is now live Get a full year of dollar wise premium plus my four best selling educational courses and a digital copy of my budget from friendly cookbook and my exclusive 30 day meal plan signed by me and mailed directly to you. This is a better deal than we've ever done before. And it's only for a limited time. It is 67% off everything. So don't wait until that first pool party to get financially ripped. Click the link below. Save big. Claim your bonuses now.