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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 free@calebhammer.com 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
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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.
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.
On Boundaries and Cheating:
On AI Sexting & Addiction:
On Parental Enabling:
On Food Stamps and Eating Out:
On Reluctance to Grow Up:
Self-Assessment of Finances:
Financial Summary:
| 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 |
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.
For a preview of the post-show (where an even bigger relationship loophole is revealed), join Hammerly and watch the bonus segment.