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Natalie
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Caleb Hammer
Store near you to watch episodes of Financial Audit a week earlier. Check us out on YouTube. You just literally walked out on your husband. You just abandoned and you're gone.
Natalie
I am.
Caleb Hammer
What the happened?
Justin
She would treat me like shit if I'm being honest.
Caleb Hammer
Really? No.
Natalie
I'd let him know he was lazy. He's a grown ass man.
Justin
I hear you.
Caleb Hammer
And is that an effective way of communicating and trying to get change across? Hey, you lazy piece of shit.
Natalie
I gave up trying to effectively communicate because that wasn't working.
Justin
It felt like she was gaslighting me.
Natalie
You thought because I was telling you to go out, I was gonna tell you to go out just to get mad at you. You know how stupid that sounds?
Justin
It wouldn't be the first time.
Caleb Hammer
You have a boyfriend.
Natalie
Dating. Dating.
Caleb Hammer
You moved out a couple months ago. Your husband getting you picnic.
Natalie
We've been snap since.
Caleb Hammer
Get your free trial to the dollar wise budgeting app today. Join the tens of thousands of active users who are taking control of their money and changing their lives. With new features being added constantly, there's no reason not to try it. And if you like it, choose the annual version to save a ton. My budget friendly cookbook signed by me and mailed directly to you. Dollarwise app or link in the description below.
Justin
Hi, I'm Justin and I'm 29 years old.
Natalie
Hi, I'm Natalie, I'm 27 and we're.
Justin
From Seattle, Washington and this is Financial Audit.
Caleb Hammer
Listen guys, I go into these episodes blind with the audience that it's a fun, fun little part of the show. But I think, I think, I think Lindsay was just a little too excited when she was passing by my office earlier and she just gave me a little hint of what's going on and what the absolute. So Natalie I hear you just literally walked out on your husband, left the house because of the finances. You're just abandoned. You just left, you stormed, you ran and you're gone.
Natalie
I am.
Caleb Hammer
What the happened?
Natalie
Two years.
Caleb Hammer
And this is your husband, by the way, the guy you walked out on?
Natalie
Yes. What the Two years of asking him to figure out finances and help me with it and just do more. And I told him I would leave and I think he kind of expected me to stay because I relied on his income because I was a stay at home mom for so long.
Caleb Hammer
Children.
Natalie
There is children. There is children.
Caleb Hammer
How many?
Natalie
Four.
Caleb Hammer
Four kids. And what are the ages of the four kids? Oh, good.
Natalie
Eight, seven. Two and a half and one and a half.
Caleb Hammer
Yeah, yeah, yeah. Okay. Eight, seven, two and one. Okay. And then you walked out. Well, two years of warnings. Why the would you not get your together after two years of warnings? I think that it's kind of reasonable that after threatening for two years to fix something, then you didn't, she leaves.
Justin
I mean, well, like you expect, you know, you think you're doing things differently, right? You think you're improving. And then when the rules switch up.
Caleb Hammer
Or the rule switch up, is it.
Justin
Like goal post pushing the goal post moves the goals post change?
Caleb Hammer
This is true?
Natalie
No, it's the same.
Caleb Hammer
Tell me.
Justin
I mean, it feels like to me it feels like, well, I don't know, I guess now I could say after reflection it would be like, well, what.
Caleb Hammer
Was the goal posts that have been changed? Walk me through what it felt like to you.
Justin
I mean, at the time I thought it was like that I wasn't doing enough for the family, I guess around the house and being more active. Okay, being more active with our kids and our family and things like that.
Caleb Hammer
Is that how the conversation started?
Natalie
No, the conversation happened just really about everything. Like, hey, I need your. I need your help. I need you to learn finances. Because I would constantly ask him, do you even know how much we pay in rent? Do you know how much this is? Do you know who we finance this through? He doesn't have an answer to any of that. And I'm like, this is what I'm trying to tell you. This is what I'm talking about. You don't know anything when it comes to our bills or finances.
Caleb Hammer
Why did he think that it was just doing things around the house?
Natalie
Because I asked him for that also. But he would do part of what I would ask him to. He'd do it for like a week or two and then go back to.
Caleb Hammer
The same Thing, you're the fallback, you do the change real quick.
Justin
Yeah.
Caleb Hammer
You're the bad employee. The one who gets a correction, does a little better for a couple weeks and falls back to the old ways.
Justin
I did do that, but.
Caleb Hammer
And now you got fired. Yeah, but from husbandhood. Well, you guys are still married, right?
Natalie
Still married, yeah.
Caleb Hammer
Dude, she left. Yeah, she walked up and left after two years. But you don't see it, you don't, you don't see it as you were in the wrong?
Justin
I mean, at the time I didn't, but like.
Caleb Hammer
Well, okay, but tell me at the time you felt the goalposter pushing, you thought, okay, this is me doing more around the house. Obviously. She was like, okay, bills, bills, you gotta learn the bills. You gotta know what's going on. Why? Why did you not see that in your mind? Like, what were you seeing from your perspective? Because I listen, she says this, we might instinctually think she's right. I don't know. Always listen to the woman, you know, blah, blah, blah. That's where we are. Maybe you're in the right. I don't know, maybe you are.
Justin
I think, you know, to my credit, I. I have a. I'm a one track mind kind of person. At the time, I think. And I think, me too.
Caleb Hammer
Yeah. I focus.
Justin
I was doing one thing, I was doing one thing, not doing the other.
Caleb Hammer
But did you know about the others?
Justin
I didn't keep it in mind.
Caleb Hammer
Okay.
Justin
If that makes sense. Because I was so focused on the other thing that I was doing that.
Caleb Hammer
I thought, did you see improvement on the one thing he was doing, on the hyper focus? Would that be good enough for a couple weeks? For a couple of weeks. Why'd you fall back?
Justin
Because.
Caleb Hammer
Or do you agree that you fell back?
Justin
Yes and no. Like I did after, you know, like she said I did. But then I would start again, but then I didn't. But it was like a fluctuation thing. And like I was just, I think, angry at her because we were like hating each other at the time and.
Caleb Hammer
I just hated each other.
Justin
Yeah, it was bad.
Caleb Hammer
Full hate.
Justin
I wouldn't say hate. Hate is a strong word.
Caleb Hammer
What was going on, lady?
Natalie
I didn't want to be around him at all.
Caleb Hammer
What was this?
Natalie
Started probably last year in October. I mean, like for the past couple years it's kind of been that, like, where I would get really frustrated, ask him to change, ask him to do something. Then he changed. We're good for a few weeks and then he goes back. And then I'm Just dealing with it silently. It's like every few months.
Caleb Hammer
Why would you do that? Because that is, no offense, the stereotypical woman thing where it's like you have the emotions around a topic but you hold it in and you don't communicate it effectively and you want to see a change without actually advocating for a change specifically.
Natalie
Well, and I did advocate and that's why I'm saying we would have this every couple months.
Justin
I think that she, she's a bottler, she likes to. She does like wait until it gets to a breaking point and then explode. But I mean I know it's nice.
Caleb Hammer
To see other people make a change. It's nice to see that. It's nice to feel that someone else is going out of their way to make a change. It's nice. But it is no one's job nor honestly ability to be able to read minds. It has to be constant communication. And if that is someone's fault, honestly, I'll be honest, it is one of my flaws. It is one of my flaws that I am a one track mind person to. I hyper fixate on things. That is just a part of my personality. I try to do coping mechanisms to do better on that. But I cannot read minds. I cannot read minds when my girlfriend is up upset about something because I didn't instinctually do it right. Because obviously it's nice to have that instinctually done. I need that extra help because that is my flaw.
Natalie
I do tell him. That's the thing. I literally have to write shit down. I've downloaded it on both of our phones. No, I've bottled after I've told him over and over and over again and it's like it. Why am I gonna keep telling you.
Caleb Hammer
Wasting my brain over and over and over again? Yes. Then why the would you not change? Because that's on you. Then if it's endlessly communicated.
Justin
Like I said, one track mind kind of person and I thought I was one track.
Caleb Hammer
Mine is a reality. Doesn't mean you can't implement coping mechanisms to try to deal with your. Yeah, but listen, if it was endless repeating of the things that she needs you to. Okay, well the thing she needed you to work on. Reasonable though because maybe you guys disagreed on that because that is a possibility. Like maybe what you were advocating for was kind of both.
Justin
No, I think it was just me like resenting her cuz the entire time. Yeah, because she would treat me like shit if I'm being honest.
Caleb Hammer
Really? Why would you do this? How was that a productive. How is That a productive communication.
Natalie
Treat him like shit. I just got tired of him. Me having to baby him.
Caleb Hammer
He says you treat him like shit.
Justin
It's a matter of perspective.
Caleb Hammer
Well, listen, you're the one that had the feeling of how you were being treated. So him feeling like he was being treated like shit is valid.
Natalie
But I didn't treat him like shit. I'm just not very nice.
Caleb Hammer
What did she do to treat you like shit? What was conveyed that made you feel like shit?
Justin
Well, just basically the adamant. Me being not a good person and shit like that. Being a terrible person. Not willing.
Caleb Hammer
I don't know how you did it.
Natalie
No, I'd let him know he was lazy. He's a grown ass man.
Justin
I hear you.
Caleb Hammer
And is that an effective way of communicating and trying to get change across? Hey, you lazy piece of shit.
Natalie
I gave up trying to effectively communicate because that wasn't working.
Caleb Hammer
So before it wasn't working. Would you find that valid?
Justin
Just because you know you're not getting what you want out of somebody doesn't mean you can belittle them and treat them like in front of everybody for.
Caleb Hammer
I agree. Unless it's on the show.
Natalie
No, I don't. We joke around. That's just how we joke around.
Caleb Hammer
No, he felt like though. Did you advocate for yourself and say you felt like.
Justin
No.
Caleb Hammer
Well, why the are you a.
Justin
You know, because I was bottling everything up too. Because.
Caleb Hammer
Okay, so we're both bottlers. So we're both just nuclear bombs ready to expl. No shit. She walked out. What was the final breaking point? How long have you guys been married?
Natalie
We've been married since 21, so four years.
Justin
But we've been together.
Caleb Hammer
Wait, how many of the kids are yours?
Natalie
So I came in with two boys. He had no kids. Our last two girls are his.
Caleb Hammer
Okay, what was the breaking point?
Natalie
Shit. Just not like just getting tired of everything. So he.
Caleb Hammer
What was the breaking point?
Natalie
I told him I wanted to go back to school. I wanted to focus on school full time because he wanted to do that. I gave him that opportunity. I worked.
Caleb Hammer
He wanted to do what?
Natalie
He wanted to go back to school.
Caleb Hammer
You wanted to. You're the bread winner.
Justin
I did. I went back to school.
Natalie
He completed his school.
Caleb Hammer
Oh, he already did this. So he did this successfully. So now you wanted to do the same.
Natalie
My turn. Yeah. And he.
Caleb Hammer
The two year old and one year old. That is difficult, but go on.
Natalie
Yeah, and he promised, hey, if you go back to school, I'll take care of the household. I'll take stuff off Your plate. And I told you what does take.
Caleb Hammer
Care of the household to you?
Natalie
Figure out finances and make sure the kids are good.
Caleb Hammer
Managing the bills. What is making sure the kids are good though? Is that making sure he step from school? Is he cooking dinner every day? Is he. I mean, is he keeping the house clean?
Natalie
That's a hit or a miss. I mean I have to make a list or things for him to do while I'm gone. I have to make sure. Hey, the way I have to tell the kids this needs to be done. Here's your chores. I have to do the same shit for him. So it was like had. Well, now you have my mom.
Justin
No, whoa, whoa, whoa, whoa, whoa.
Natalie
I still have my mom lives with him and helps with the kids full time.
Caleb Hammer
But you don't.
Natalie
No.
Caleb Hammer
Wait, when did you move out?
Natalie
Like in June or July.
Caleb Hammer
How long does his mother live there?
Natalie
Since March.
Caleb Hammer
So mom moves in and you immediately leave? Well, no, she's replaced wife. Her. Her. You're not his mom. Your mom.
Natalie
Yeah, so my mom came back.
Caleb Hammer
Your mom moves in and you immediately leave. Wait, wait, wait. To take care of the. Did you not take the kids?
Natalie
Well, no.
Caleb Hammer
So wait, you left and you left the kids there?
Natalie
I live one street over.
Caleb Hammer
But you left the household?
Natalie
I did.
Caleb Hammer
There's a 1 year old and 2 year old there.
Natalie
Yes.
Caleb Hammer
Well, and you. You. You left?
Natalie
I left.
Caleb Hammer
Hold the on. A few months ago, you left. You left the kids there right after mothers moved in. What the is this dynamic?
Justin
It's.
Natalie
I couldn't afford the house that we lived in together. Right. So originally we had split up our finances and he was supposed to get his own place. Then his excuse was I didn't want to live under a different roof than the kids. He thought that was valid.
Caleb Hammer
No, it's not invalid.
Natalie
So I said you can stay living here. I can't. I left the kids.
Caleb Hammer
What the. Why? Why, why, why? I'm not saying force yourselves to live with each other if we have fallen out of love, but there has to be a reasonable timeline we might be able to implement. Maybe get through school first and then do it.
Natalie
Well, no. So I said I'm going to do my year lease and then I plan on taking it.
Caleb Hammer
You can afford a year lease if you were afraid of him leaving as the income.
Natalie
Well, I'm not. No. Because I can afford my own little place, but I couldn't afford the rent that he was. That he currently pays at the other place. So I had gotten a new job. I got my place. And you Know it's a street over where the.
Caleb Hammer
Did mom move in right before you left?
Natalie
Why did she move? Oh, because she was already moving out here anyways before we like knew that we were going to separate households and stuff. We had already agreed she was going to move out here. Cuz we lived out here. She lived in Texas. She was around her grandkids all the time. We were flying her out to us every two to three weeks. So instead of her flying out, she was like, hey, my lease is coming up. I'll move out there. I gave your sister four years to do her school and stuff. And I'm full time grandma. And I'm giving you that time to focus on your schooling out though. I did.
Justin
She took a sabbatical.
Caleb Hammer
Yeah. From the family, from the kids, from mother? Yes.
Natalie
No.
Caleb Hammer
Yes. No.
Justin
She. She does help. I'm not saying that she's not around.
Caleb Hammer
I'm sure she helps and she's around, but she left the house. She's not there. She's not there. She shows up. She's not there.
Natalie
I mean, she.
Caleb Hammer
Wait, you don't feel. This doesn't feel weird and wrong to you?
Justin
It did at first.
Caleb Hammer
Uh, yeah. That was only a couple months ago.
Natalie
It wouldn't look any different if a man got up and left the house to get his shit together.
Caleb Hammer
But I say he should abandon his family.
Natalie
No, nobody abandoned him.
Caleb Hammer
But also, that's where split custody starts coming into effect. And you guys are still. Are we staying married?
Natalie
So we were going to again. What is this? Do my year lease?
Caleb Hammer
You have a boyfriend?
Natalie
Don't have a boyfriend.
Caleb Hammer
You have a boyfriend. From what I see.
Natalie
Dating.
Caleb Hammer
Dating. You moved out a couple months ago. Your husband getting you picked up.
Natalie
We've been split up since last year.
Caleb Hammer
She got a man. What the. Is this real life? What is going on? You're getting cucked, bro. You're getting cucked.
Natalie
No.
Caleb Hammer
Do you watch?
Justin
I know I. No, don't.
Caleb Hammer
But that should have been a very easy no.
Natalie
It should have been.
Justin
No, it just. He just caught me off guard.
Caleb Hammer
What? She is dating the guy after moving out immediately and she moves her mom in to take care of you and the kids and then she goes and another dude. That's crazy. I have never heard of that. I have never heard of that in my life. In my entire life have I ever heard of that. No.
Natalie
Different if we had actually filed a divorce a little.
Caleb Hammer
This was also a couple months ago. And you moved out yet?
Natalie
Well, we've been split up since last year. We just lived together Wait, how long.
Caleb Hammer
How long were you guys even like. How long did you guys even like each other? Why you guys split up immediately?
Natalie
We. Because again, it was two years. I had been begging him. I got tired of it.
Justin
I mean, to be fair, before, I mean, it's not like nothing else was happening during that time. So.
Caleb Hammer
Huh. What. What does that mean?
Justin
But she was still entertaining people around that time.
Natalie
Anyway, we had an open relationship.
Caleb Hammer
It was officially open.
Natalie
It was what we agreed on. But he didn't do anything about it.
Caleb Hammer
Wait, what? What did you. No, tell me.
Natalie
He didn't want to go do anything. We agreed.
Caleb Hammer
I vibe with open. But I don't think the only way an open relationship works is if Both people are 100% in.
Natalie
In.
Caleb Hammer
And that's the moment one person's not.
Justin
See, the thing with that is just, you know, she knows I'm the type of person. I don't really go. I don't really do much. I like to just hang out, play my games, chill, you know, I smoke. I relax and I just relax, smoke. I smoke on occasion.
Caleb Hammer
Okay. I mean, I don't go out either, but I plow flaps.
Justin
You know, it's not that I. It's not that I, you know, don't do anything. It's. I just choose not to go out.
Natalie
I literally told them, hey, let's go out. Hey, there's this girl. He just doesn't want to go out. He doesn't want to do any. He wants to stay home and play his video games. And that's part of the split too, is because you spend more time on your games than doing anything you spend. You make sure you put side time aside to play your game, to make sure you beat it. But you don't put time aside to learn what you need to do. And that was a big part for what? Make roast beef sandwiches for the house, himself, anything.
Caleb Hammer
You weren't, you weren't plowing.
Natalie
He wasn't doing shit. He wasn't doing shit.
Justin
It wasn't just. Cause I was just. I just, you know.
Caleb Hammer
You don't wanna.
Justin
It's not that I don't wanna. Obviously I wanna. Why would you. It's just. Cause to me, I don't know, it is. It didn't. I didn't feel. It didn't feel right at the time.
Natalie
He didn't mind if it was a female. With both of us, that's different.
Caleb Hammer
Oh, you're three weighed.
Natalie
We have. And that's why I thought everything was good. Yeah.
Justin
Yeah. I mean, it's not That I wasn't down for it. It's just. I just.
Caleb Hammer
Why weren't you going out there and getting some tits? Well, you wanted them to.
Natalie
Yeah, she never communicated that. Don't lie. We agreed that this was open. This shit was on. This was viral on Facebook about us having a open relationship.
Justin
But then. But then, even when I was to. If I were to go out, you would be pissed off.
Natalie
I really. You always say that, but you've never gone out. You don't go out. What do you mean? I'd be. You always say that, but I don't give a. I guess I don't care.
Justin
All right, if that's. What. If that's what you feel.
Natalie
That's not the amount of times I've literally told this man to go out, find some friends, go out. You want to go out with me? Hey, even my other baby daddy was like, hey, let's go to the strip club. Let's go do something. You don't want to do that, Mike. You two are.
Justin
He never said that.
Natalie
Yes. So he's supposed to have been out multiple times.
Caleb Hammer
So he disagrees with this. Why? I want to hear your perspective. So you're letting your stream roll you right now.
Justin
So at the. I mean, it's just like, I want. I. I decided not to go out. Right. It didn't feel right for me to just go out and other people at the time. I know I was like. I was okay with it, but it just didn't. Like when I was. When I thought about going out to go do it, it didn't.
Caleb Hammer
But she said she was always upset with you if you did. That's what you just said.
Justin
Yeah, I know. It. It didn't feel right to me. I guess. I know it sounds stupid, but it didn't feel.
Caleb Hammer
No. You said she was upset anytime you.
Justin
Go out, but you didn't go out. I mean, that's what happens. It felt like she was gaslighting me.
Natalie
You thought because I was telling you to go out, I was going to tell you to go out just to get mad at you. You know how stupid that sounds?
Justin
It wouldn't be the first time.
Natalie
No. No. When's the last time you've gone out?
Justin
Do you know what? That's a good question.
Natalie
That's what I thought.
Caleb Hammer
It wouldn't be the first time. What's the.
Justin
I don't know. Sometimes it feels like she's a manipulator.
Natalie
I'm straight, I'm direct. And that's why he says I'm mean. To him. Because I'm brutally honest. I'm just direct. I don't know how that's manipulating. I will literally just be direct with you. And then you get your feelings hurt that I'm direct with you.
Justin
No, it's not all the way. Not like that. Like when you are telling me something, but it's something you really don't like. It's something you don't want me to do. But do you expect me to do it anyway? Because you think I'm going to. You think I'm going to do something stupid or whatever. Does that make sense?
Natalie
That doesn't.
Justin
Okay, you tell me to do something, right, that you don't want me to do, but you expect me to do it anyway to get mad at me.
Natalie
How many times have I told you? It could be something as simple as.
Caleb Hammer
Oh, I'm going to get address what he said.
Natalie
No, I don't.
Caleb Hammer
He thinks you tell him to do things that you and stagefully do not want him to do so that you can get upset at him for doing it.
Natalie
Why the would I want to get upset at him?
Caleb Hammer
Why do you think that?
Justin
Because she revels in drama.
Natalie
I really don't. I'd be chilling.
Caleb Hammer
Why does he think this then?
Justin
Oh, I don't know. That our marriage and our relationship.
Caleb Hammer
Doesn'T seem invalid.
Natalie
It's not invalid, but I mean. Actually, yeah. No, it's not even that. I just. So my family got into our relationship. My sister created a whole fake phone number pretending to be some other dude, texting him.
Caleb Hammer
What?
Natalie
Yeah, it was a whole thing.
Caleb Hammer
What?
Natalie
She. So she tried to get in the middle of our marriage. She created a fake. There's just a lot between that. She's really. Did you her?
Justin
No, no. God, no.
Natalie
She was trying to is what I'm getting at.
Caleb Hammer
She wanted. Your sister wanted to him.
Natalie
I mean, I'm assuming. I'm assuming because she's with my. She's. She got with my ex. Baby daddy.
Justin
Exes.
Natalie
Exes.
Caleb Hammer
Every ex.
Natalie
Not every ex.
Caleb Hammer
Wait, what? Tell me who's calling. Who's calling?
Natalie
I don't want to answer that.
Caleb Hammer
Who's calling? It's your boyfriend.
Natalie
No, it's not my boyfriend. It was somebody that I was messing around with for a little bit. He got kind of crazy and I completely just cut him off.
Caleb Hammer
Why are you not on do not disturb, first of all, which is one of the first things we tell you to do when you walk in this building.
Natalie
I did not know I'm gonna just turn my phone.
Caleb Hammer
And second of all how many guys are you getting dicked down by in a daily basis?
Natalie
No, not really. I'm dating this.
Justin
Not really.
Caleb Hammer
What the does that even mean?
Natalie
I work all the time, so I get it where I can, and that's with the dude I'm dating. It's honestly like, this man was months ago. I don't know why he's calling me. I haven't heard from him in months.
Caleb Hammer
He's horny.
Natalie
I don't care.
Caleb Hammer
But that's why.
Natalie
No, I don't care.
Caleb Hammer
No, that's why.
Natalie
Oh, no, he's probably. He's probably gonna cuss me out.
Caleb Hammer
Why?
Natalie
Because he's just. He does that. He just is.
Caleb Hammer
Why?
Natalie
He's a true. So when we were sleeping together, right? I told him, I'm not sleeping with anybody else. I don't want to do that. If you are, let me know. Be respectful of that. Like, be mindful of that.
Caleb Hammer
Do you care about burning the bridge with him?
Natalie
I've already burnt the bridge.
Caleb Hammer
Good. Call him back. I'll talk. Oh, no, actually, yeah, answer. Let's see what he does, and then I'll jump in if needed.
Natalie
Oh, God. The FaceTime call.
Caleb Hammer
Springer. Let's go. Ladies and gentlemen. Let me just do audio.
Natalie
Because I told him I didn't want to deal with him anymore. He went the off on me.
Caleb Hammer
Yeah, just call him. Put him on speaker. Put the speaker here. Put the speaker here. All the way up. Turn up, please. Check the number and dial. Oh, and then give a call. Double call.
Natalie
Maybe he'll call back because his phone's off.
Caleb Hammer
Say no FaceTime. You can call me on audio.
Natalie
Yeah, just text him.
Caleb Hammer
I just want to know one thing.
Natalie
What?
Justin
You think all those. You think all those problems you cause.
Caleb Hammer
In my life is just going to go just that way and you just. Okay, that's the problem.
Natalie
I didn't cause any problems, bro.
Caleb Hammer
All right. Yep. Got you.
Natalie
I told you he was calling to cuss me out.
Justin
I mean, he didn't have, like, five baby mamas. Not five baby mamas.
Caleb Hammer
Five.
Natalie
So here's what happened.
Caleb Hammer
I found editor Bring back when he said she revels in the drama because.
Justin
She revels in drama.
Natalie
I really don't. I'd be chilling.
Justin
I'd like to emphasize I'm starting to.
Caleb Hammer
Think he might be right.
Justin
She is.
Natalie
I told this dude I did not want to do anything with him anymore. I found out he had a girlfriend that he lived with, and he was sleeping with all kinds of different girls. And I was like, bro, that I'm good.
Caleb Hammer
I don't know.
Natalie
No, you weren't dating, weren't together, but.
Caleb Hammer
You weren't dating him.
Natalie
I know, but I just told him. I just wanted you to be honest. But then I found out, like I said, he had her girlfriend and stuff. She had outreached and so me and her had a conversation. She kicked him out and he's just basically spiraling and he's blaming me for a spiral. But he's a 46 year old man with no job, no nada, nothing going on. But this is my best friend's cousin. I think it is. I don't know.
Caleb Hammer
You're your best friend's cousin. Let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, y Refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number interest rates under 6% guaranteed. That's practically a unicorn in student lending. Plus they offer structured payment plans to lower your monthly bill and even a co center release program so your mom and dad can step off the hook. Why Refi is known for their personal service no faceless call centers. You get a dedicated rep who actually cares about your progress. They've got a 4.6 star rating on Google which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. Why Refi wants to help you climb out of debt, not push you further into it. Check them out@y refi.com hammer that is y r e f y.com hammer or call 888-973-3978 that is triple 897-33978 break free from the high interest trap and get your finances under control once and for all. Want to know a dirty little secret? And no, I'm not starting an Only you're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use Dollarwise. It shows you exactly where your money's going every single month. Spending, subscriptions and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download Dollarwise Today, you'll get six to try for free plus three months for just $9.99 so you can finally take control and see what your money's been doing behind your back. Click below to get started. And your sister's exes.
Natalie
Yeah.
Caleb Hammer
What's your relationship with your current boyfriend?
Natalie
Well, we're just kind of. We're just dating. We haven't done anything. We're just kind of seeing each other.
Caleb Hammer
How do you know him?
Natalie
He actually reached out to me on social media.
Caleb Hammer
Randomly.
Natalie
Randomly. He had been following my social media, I guess, for a while.
Caleb Hammer
So it's a random person.
Natalie
Random person? Yeah.
Caleb Hammer
Okay. Not your ex coworker.
Natalie
No, the ex coworker. We're. You know.
Justin
What the fuck?
Natalie
We don't want to complicate things because we work together.
Caleb Hammer
Oh, current co worker, Ex coworker. That's your.
Natalie
We just recently stopped working together.
Caleb Hammer
Wow. It's moved that quickly since Lindsay has onboarded you guys. That's how quickly you run through dick.
Natalie
No, the ex coworker is somebody that had liked me. I liked him. We didn't know. And we, you know, we would go out and have dinner and stuff, but we weren't doing anything.
Caleb Hammer
Dude, you're getting perma cucked the entire time.
Justin
You know?
Natalie
Crazy.
Justin
At this point, it doesn't even concern me anymore because.
Caleb Hammer
Do you know her current boyfriend? You ever even see him?
Justin
I've seen him. No. Her current one? No, I don't. The other.
Caleb Hammer
But the one she just ended.
Natalie
The.
Caleb Hammer
The ex.
Justin
Yeah, I'd say I'd seen him before.
Caleb Hammer
I heard you guys were friends.
Justin
Who? Oh, no, that was. That's her baby daddy.
Caleb Hammer
Oh, my gosh. This is. They're everywhere. This. This is insane.
Natalie
Yeah, he. Him and my ex baby daddy get along.
Caleb Hammer
The notes couldn't even follow along. That's how much dick you go through. And the notes are always right. This is the first time it's wrong. What's your body count?
Natalie
I don't know. Honestly.
Caleb Hammer
Matters. I don't know mine either. I don't give. Well, as it is, it's. It's as very crazy as a mother of four who just left her husband three months ago and moved her mother in to do the mothering so that you could just go ride dick.
Natalie
Actually, I work more than anything.
Caleb Hammer
Doesn't matter if we're being honest. If we're being.
Justin
She did say she needed a break. But I get it, though, if after two years you've been saying, hey, I. You need help. I mean, I get you need a break.
Caleb Hammer
Oh, that's fine. I mean, everyone needs help on certain Things I don't know. And I get the relationship wasn't perfect and dude wasn't doing what you wanted 100% the way you wanted to do. But let's read this the right way with what's going on and how you are doing things.
Natalie
Okay.
Caleb Hammer
You moved your mother in so you could move out and get to the cheeks slapped a bit more.
Natalie
The move out was actually something that I didn't know I was gonna do because originally. No, originally Malik was supposed to move out. No, I did not know I was gonna move out. Originally was supposed to move out.
Caleb Hammer
Okay, well. Okay. Stop saying his real name, by the way. We believe that, but it's Justin. Either way, the moment you moved her in, you moved out and started getting them cheeks slap clapped.
Natalie
Actually, I started working more. I. I ended up moving up positions and started working. Hella girl.
Caleb Hammer
We literally just talked about like five guys here getting interacted within the last few months. And that are. They're not hookups. They're literally. You just got triple called in this conversation from a guy saying, you know, how much you up my life? Why does he think that?
Natalie
Because me and his ex that he was living with at the time that I didn't know about, Call him back and ask.
Caleb Hammer
Ask how you up his life?
Natalie
Okay, let's call him.
Caleb Hammer
Call him back and be like, how? How did I up your life? You think I up your life? How did I it up?
Natalie
All right, let's do that.
Justin
What's his contact name?
Natalie
It's F 60.08. That's the medical term and code for narcissistic behavior personality disorder.
Justin
It's hard out here for a pimp, ain't it?
Natalie
You telling me? He's not answering.
Caleb Hammer
Give me your phone. All right, we'll get him to call back. Oh, let me make sure you're not on do not deserve good because we need to hear it when it happens. I will stand guard.
Natalie
That works.
Caleb Hammer
Okay. Okay. So what's your current job then that you're so proud of? Grinding.
Natalie
So I just left, actually, last week. I started a new position on Monday.
Caleb Hammer
Huh?
Natalie
I just left. I was a service advisor.
Caleb Hammer
You just quit your job on Wednesday?
Natalie
Yes. Yes, I did. And I started a new one on Monday.
Justin
It's a better job, I expect.
Caleb Hammer
What the are we doing, though?
Natalie
It pays for.
Caleb Hammer
Was it lined up when you left?
Natalie
Yes, it was lined up when I left.
Caleb Hammer
Okay, that's fine. So what was the job?
Natalie
I was a service adviser for Chevrolet.
Caleb Hammer
What were you making?
Natalie
Probably about 4,000amonth. And now and now I'll be making about five. It starts at 30 mil hour. So I am a auto body service area manager. So I just kind of travel to different cities.
Caleb Hammer
Oh, is the gas reimbursed?
Natalie
They actually give me reimbursement.
Caleb Hammer
Good.
Natalie
They give me a vehicle, 32 an hour.
Caleb Hammer
Is it 40 hours a week?
Natalie
40 hours a week.
Caleb Hammer
Okay. Not bad. But Seattle is desperately expensive. Should be more than 5,000amonth. But after taxes, after Benny's, all that good stuff, I'm sure about 4 sitting account 4, 000 will hit your account a month.
Natalie
Just about. Yeah, probably just about.
Caleb Hammer
What do you do, Justin? You were the breadwinner before. Whatever The. Now you live with her mom. It's weird.
Justin
Okay, yeah, for the time being. But she's gonna be moving out eventually.
Caleb Hammer
So is there a plan for that?
Natalie
Yes.
Caleb Hammer
To move the mother out.
Natalie
Well, she wants to get her own place eventually, which is fine.
Caleb Hammer
What's your job, Justin?
Justin
I'm a cook right now. At a nursing home.
Caleb Hammer
Yep. They gotta eat. Makes sense. Okay, well, I mean, I heard that you got in an argument with your HR representative and you just walked out the building.
Natalie
I sure did.
Caleb Hammer
So I don't. Was that job lined up? It doesn't sound like it.
Natalie
No. I had already been looking for another job.
Caleb Hammer
Okay, so the job wasn't even lined up when you walked out. So you moved out, got your own place, abandoned your family, riding dick, and then you left HR after getting in an argument without having something lined up? No, I bullshitted me.
Natalie
I had offers. I already had the job offers. I had been looking for weeks before that for a new job and I had already had those other job offers. So I was just kind of still there finishing out the pay period and, well, they kind of pissed me off. So.
Caleb Hammer
Worker. Okay. What do you make as this cook?
Justin
Right now it's 22 an hour.
Caleb Hammer
Okay, so definitely not the breadwinner anymore. She's making 32.
Natalie
So he makes 30 $400 a month. His checks are about 1600 dollars every two weeks. And then he also gets his disability every month, which is $4,447. 40?
Justin
Yeah.
Caleb Hammer
Huh. Wait, what was that?
Natalie
4,447. He gets every month from his disability.
Caleb Hammer
Disability? What?
Natalie
V.A.
Caleb Hammer
You'Re in the military?
Justin
Yeah, it was. Yeah.
Caleb Hammer
Wait, what is your account? Sorry? For VA?
Natalie
4447.
Caleb Hammer
That's crazy. Yeah, 4447.
Justin
Yeah. What did you serve as a arm in the army.
Caleb Hammer
Army?
Justin
Yeah.
Caleb Hammer
Okay. How long did you do?
Justin
Five years.
Caleb Hammer
Where'd you go?
Justin
I went to Iraq and then we love Iraq. It was hot.
Caleb Hammer
Were you out in the field?
Justin
Some of the time.
Caleb Hammer
Some of the time. What happened? What's your disability?
Justin
My back and my neck and stuff like that and my knees.
Caleb Hammer
What caused it?
Justin
Just time and just like the service and what they would have me do and stuff.
Caleb Hammer
What were you doing that caused your back and knees to get injured?
Justin
Just when we would do the, like the marches and stuff like that, all the equipment and stuff like that, using all that.
Caleb Hammer
Wouldn't that be everyone then?
Justin
Yeah, everyone. Everyone ends up with shoes when they get out, whether it's five to 20.
Caleb Hammer
Okay. Hmm. I'm definitely not against disability, despite what clips say. I want veterans to get even more disability when they get disabled.
Justin
Yeah, but if we got disabled, things like that, too.
Caleb Hammer
Well, people are getting it for acne, but. Yeah, if we get disability through marching, which every single person in every branch.
Justin
Of the military does, it's not necessarily just marching.
Caleb Hammer
Every single person get disability.
Justin
Do you. I mean, you would think if they're smart enough to com. To go and go and get coached.
Caleb Hammer
On how to get higher percentage ratings.
Justin
Hey, that too, too. If they're smart enough.
Caleb Hammer
That is a part of it.
Justin
Hey.
Caleb Hammer
And many people out there aren't even willing to admit that.
Justin
Hey, not necessarily.
Caleb Hammer
Did you get coached?
Justin
No, not. I didn't get coached. I went. Actually went and got seen and I had.
Caleb Hammer
What's your percentage?
Justin
100.
Caleb Hammer
100. You're 100.
Justin
Oh, yeah.
Caleb Hammer
Okay. Okay. For marching.
Justin
It's not just marching.
Caleb Hammer
Well, what. What, what happened? Did anything happen?
Justin
I mean, yes and no. Just after my time in service. Right. After.
Caleb Hammer
After your time in service?
Justin
No, I mean, it's a recurring thing, like after being. I've jumped out of planes and I saw that stuff.
Caleb Hammer
You hit the ground incorrectly? Like people jump out of planes doing skydiving all the time. That doesn't mean they get hurt.
Justin
Yeah.
Caleb Hammer
Were you getting hurt?
Justin
I got hurt before and I mean.
Caleb Hammer
What was your hurt?
Justin
My back and my neck.
Natalie
What caused you to get hurt?
Caleb Hammer
Yes. What caused you.
Natalie
What actions?
Justin
Oh, I mean, just over time, like after, like reoccurring injuries and stuff like that. I don't.
Caleb Hammer
I don't what injuries happen.
Justin
It was after after jumping out. Right. I did land wrong a few times, so, I mean, obviously your coach on how to do it correctly, but I didn't do it right. So after that I.
Caleb Hammer
You didn't do it right?
Justin
I did not.
Caleb Hammer
But you were coached to do it, right?
Justin
Yes. Hey, doesn't sound right.
Caleb Hammer
And obviously you're the one bringing in the gold. But I do know that from the notes, your family thinks she's a gold digger.
Natalie
Because I had two kids. That's all they knew about me, was that I was. He was somebody that he met. He was out of the military. They thought I was after his military money. I didn't even know he was in the military right away or anything about that when I had met him. So they just assumed. She's young, she has two kids, and she wants his money and his benefits. But lo and behold, it don't really matter because I wouldn't have been able to get it anyways because he was already married.
Caleb Hammer
Huh?
Natalie
Oh, yeah. I found out a month before our wedding.
Justin
It was three months.
Natalie
Well, three months. Yeah, three months, because we had to do it three months before our wedding that he was still married.
Caleb Hammer
So what is this? Why are you her while you're married? And why are you other people while you're married to him?
Justin
Me and her, we weren't.
Caleb Hammer
You paid it back.
Justin
No, I mean, that's what it looks like, but that's not. We weren't together. We had already separated for, like a year.
Caleb Hammer
You guys do the. Keep doing these separation things without actually. Why don't you guys get divorced ever?
Justin
On. On. On my part, I told her that I did, and I basically just. I kind of. I lied about that shit and. Why? Because I was like, I. I thought I would be able to get it done, you know, But I. And I didn't. And then.
Natalie
No, you didn't. You didn't even try to get anything done. I flat out lied.
Justin
Yeah.
Natalie
The whole time.
Justin
Because at that point, it was already.
Natalie
We would have went to get our marriage license, and we would have been denied because he had still been married. Had his ex not hadn't called, I wouldn't have known he was still married.
Caleb Hammer
What?
Justin
Yeah.
Caleb Hammer
What the. That's insane. Did you guys go open immediately?
Justin
No.
Caleb Hammer
Why'd we go open?
Natalie
It was something that we had talked about, something I had done before, and I had talked to him about it.
Caleb Hammer
You've done it before?
Natalie
Yes.
Caleb Hammer
You are a slut.
Justin
Yeah.
Natalie
I mean. No, we love sluts.
Caleb Hammer
I love sluts. And I am a.
Natalie
And so I did tell him, like, hey, this is something that I like. Plus, I'm. I'm bi. I like girls, too. I like girls, too. So it was like, you know, at first, it kind of just started with females, you know, but after that, you know, it's interesting, you know, we Just decided that we were gonna open it up. You know, he said that he was good with it. I literally asked.
Caleb Hammer
And were you actually good with it?
Justin
I think I was, but at the same time, I was still trying to just give her what she wanted because.
Caleb Hammer
I thought, see, that doesn't work. Open relationships, honestly, can work and they can be a good thing, but both have to actively want it. If one person has a slight hesitation and they're only doing it to please the other person, it will fail. What I've say.
Natalie
I've even asked him, like, are you sure this is what you want? I don't want to do if it's not what you don't want to do. And his thing was like. Well, I. You know, she never actually told me.
Justin
She made it seem like I want to do it. She made it seem like if. If she didn't want it, if I didn't want to do it, she's going to leave immediately.
Natalie
How did I make it seem like that? I would have left forever ago. No, it wasn't.
Caleb Hammer
If you didn't get to go ride other dick, you were going to leave. No. Get married, produce two kids. Hey, if you don't let me get railed, I'm out.
Natalie
No, that's actually not.
Caleb Hammer
She a slut.
Justin
Yeah. I'm not even like, I know she's.
Caleb Hammer
Trying to someone while in Texas for the show.
Natalie
Who?
Caleb Hammer
You.
Natalie
I'm trying to someone. Oh, yeah. No, she's. No, she's mad that I don't want to talk to her because I'm not out here. I'll show you right now. She is upset that I have not reached out to her since I've been out here because she likes me. And I had already told her before, I don't see us being together or see us progressing with anything.
Caleb Hammer
Show me the text.
Natalie
Okay, so this was her today or yesterday, actually upset because I didn't reach out.
Caleb Hammer
And this is a finance show.
Justin
That's wild.
Caleb Hammer
Oh, Snapchat. That's how you know it's slut behavior.
Natalie
Save everything.
Justin
Look at her. Snap. Score.
Caleb Hammer
And again, I. I'm not saying this is an insult. I am a slut. And we love sluts.
Justin
You know, I think I used to be a slut. And then.
Natalie
Oh, he was. And then before our wedding, we had somebody reach out that he used to fuck around.
Caleb Hammer
Uh, you last thing. Oh, wait, she said. Okay, you're upset that I didn't talk to you. I know it wasn't going to happen. I'm posing, but not on My phone. Fight, fight, fight, fight, fight.
Natalie
Yeah, basically, she's just, you know, we get along. We chat on the phone a lot. Like, she's cool.
Caleb Hammer
You told her you needed weed asap?
Natalie
Yeah.
Caleb Hammer
Okay.
Justin
On the finance show as well.
Caleb Hammer
Is this you or her?
Natalie
That's me. I was showing her my dress I picked out for out here. You don't want to go too far.
Caleb Hammer
Did she send things?
Natalie
No, not really. Because we FaceTime all the time. We video chat all the time. Like I said. Wait, what is ghetto? No, that's me.
Caleb Hammer
Did she ever send things? What does she look like?
Natalie
Hold on. Don't.
Caleb Hammer
Okay. I won't go further.
Natalie
I can show you a picture of her, but.
Justin
Okay.
Caleb Hammer
Okay. We got a cute dog.
Natalie
Oh, yeah, that's my dog.
Caleb Hammer
Okay. Your dog's precious.
Natalie
Yeah, he was actually supposed to come, but. Yeah, we couldn't fly with him and a baby. See if she.
Caleb Hammer
Oh, the baby's here.
Natalie
I have all my kids out here. Yeah, we're all gonna go to New Mexico with my mom. Why at the Airbnb? Well, because I have family. It's my grandma's, probably.
Justin
We have more family out here, too, so. Yeah, we just came back, so we.
Natalie
Just let everybody visit.
Caleb Hammer
Show me the picture of the woman you're trying to. Okay. Every person that you go for after you've abandoned him is black, which isn't bad, but it is interesting. I mean, I feel like she's left you for a purebred.
Natalie
You know what's crazy is crazy.
Justin
You know what?
Caleb Hammer
But every picture, though, that she. Every person I've seen in there and everything, it's like she left her mix, dude. For black guys and girls.
Justin
The best of both worlds.
Caleb Hammer
Not bad, except. But she's leaving for the full thing.
Justin
Yeah, right. But the full thing comes with other problems. I mean, the drama she's dealing with.
Natalie
Right now, I'm chilling.
Justin
That nigga is crazy.
Natalie
He is crazy.
Caleb Hammer
Can you say that? I think you can only say half that.
Justin
No, he did. I have enough. My dad's full black, so.
Caleb Hammer
And your mother, she's white as hell. I think you can.
Natalie
So tasty.
Caleb Hammer
Let's bring in Tyler.
Justin
I feel like I'm black enough.
Caleb Hammer
What's up? You know him, you love him. He's the favorite, favorite producer of Hammer Media.
Justin
Love y'.
Caleb Hammer
All. So, Tyler, what's up? What's up? Justin is a half breed. Yeah, I can tell. I can tell.
Natalie
The nose and the lips, right?
Justin
Yeah, you look black. As.
Caleb Hammer
I suggested, he could only say half the word.
Justin
Word.
Caleb Hammer
No, no, he can say it. You can say for sure.
Justin
Appreciate he looked like some of my.
Caleb Hammer
Family members for sure. Well done. We got the test.
Natalie
That's crazy.
Justin
If I was invited to the cookout.
Caleb Hammer
If you want to know if you can say the N word, go to calebhammer.com nword. Take the assessment and see where you stand in the world.
Natalie
Again, again, it's crazy.
Caleb Hammer
N word. No, we've done racist. Oh, okay, so calebhaammer.com forward slash.
Justin
That would be even fun.
Caleb Hammer
N word. Word. That is N word. See where you stand in the world of you have to say the N word and what you need to do to improve your ability to say it. Yeah, Go ahead. What up? What? Yes, sir. That's what I'm talking about. You too? Me too, right?
Justin
Yeah, yeah.
Caleb Hammer
What? No, no, no, no.
Justin
That's funny.
Caleb Hammer
We have permission for all this, ladies and gentlemen, before someone tries to cancel us. Okay, well. Okay. Well, I got to get these finances. Speaking of scores. Okay, well, first of all. Okay, I want to know, how do you guys want me to do this? Are we done?
Natalie
I think we're done. Believe me, you don't want to know. There's so much. It's not.
Caleb Hammer
No. Are you two done?
Natalie
Oh, like, for good.
Caleb Hammer
Am I doing this as a household or are we trying to see what this looks like independently so we actually.
Natalie
Have our finances combined? Because our goal is to just pay shit off and then it'll minimize why.
Caleb Hammer
You'Re so beyond separated. Dude, you're taking it at every hole by every dick besides his. When's the last time? YouTube.
Natalie
Yesterday.
Caleb Hammer
Oh, yeah.
Natalie
This wasn't yesterday.
Justin
Not this morning.
Caleb Hammer
Hold on, hold on. Proud of you. Are you on the apps, dude?
Justin
Yeah. Okay.
Caleb Hammer
We will review his dating app in the post show with Brandon. We'll bring in the dating app professional. Brandon himself. B dog.
Natalie
You love him.
Caleb Hammer
We'll review it.
Justin
I have been, but I deleted them.
Caleb Hammer
So you'll redownload and we'll review. Okay, so, but again, where are we trying to go from here? Are we trying to go separate and independent or are we trying to go together?
Natalie
We are trying to go separate and independent.
Caleb Hammer
Okay. I need to do two, I think, right? What do you mean eventually? Why is it eventually? What's the philosophy?
Natalie
Because. Okay, so the whole thing was we were going to stay married for. Till I finished my. Because he don't want a divorce yet. So we agreed we would stay married. We'd do a year. Just kind of figure out, you know, if he got his shit together, if he Was willing to learn stuff like that. I work. I'm going to school full time. And so, you know, we were like, let's just keep our finances combined.
Caleb Hammer
Why are you okay with this?
Justin
So does it make sense to you when I. When we originally had this conversation? Right. Me personally. Right. I don't handle a lot of the finances right. Because I suck at it.
Caleb Hammer
Well, yeah. And honestly, again, I'm not saying you don't deserve the disability, but because you get this permanent income forever that goes up, you know, every once in a while, you're also not really incentivized to ever learn finances because you don't have to worry. Sure, you could overspend, but, you know, you're always going to have money to come in that can save you.
Justin
Yeah. And I kind of.
Caleb Hammer
You're kind of enabled in a way. I'm not saying you shouldn't get it.
Justin
Yeah.
Caleb Hammer
But. Okay, guys, is the relationship done or is it coming back?
Justin
I don't know.
Natalie
I mean, maybe.
Caleb Hammer
Did you ever try couples therapy?
Justin
I brought it up, but she refused it.
Caleb Hammer
What the is wrong with you?
Justin
She don't want to go to therapy because then I can see what she does.
Natalie
First of all, commutators, a certain point.
Caleb Hammer
Here's the thing. If you said, he won't fix anything, you won't fix anything. You won't fix anything. I tell you these things. Here's how we communicate. You're not willing to sit down in a professional environment who can help you communicate effectively.
Justin
I think is wrong. I think neither of us are very good at communicating.
Caleb Hammer
I agree. You're willing to give up, abandon your children, move your mom in with him, and move down the road to take other dick instead of actually, literally talk to a professional.
Natalie
What is wrong with not even just that. It's like, yes, it is.
Caleb Hammer
He said no. He said.
Natalie
He said.
Caleb Hammer
You brought it up. He said. He brought it up and you said no.
Justin
No.
Natalie
That's how it went. It's not. It wasn't a straight no. It wasn't a straight no. He was required to actually do his own research, find a therap therapist. He couldn't do any of that.
Caleb Hammer
No.
Natalie
He's so used to letting things just happen. And I'm the one figuring out. I'm the one planning it. I'm the one saving. I'm the one scheduling, finding, doing the research.
Justin
I will not disagree with that. She does that. I will not disagree. Yeah, I totally do that. And that's just because she's.
Caleb Hammer
Why? Did you find someone?
Justin
No, I did find someone.
Caleb Hammer
Oh, he found someone.
Natalie
He did not.
Caleb Hammer
Who's right?
Natalie
I can guarantee he did not. Because his thing is she's saying you.
Justin
Didn'T Rebuttal Honestly, I looked, but I didn't put a ton of effort into it obviously, because at that time but you found someone. I mean I saw someone, I looked and it was one of the first couple of people I even looked into.
Caleb Hammer
I didn't did you have contact with.
Natalie
So you're about to make a trade based on a friend's text but which you do you listen to is it we could buy a house in Tulum, get optioning those options. We could lose everything. Or let's do a little research, get your head in the trade and make the investment decision that's right for you. Learn more@finra.org TradeSmart Someone let's be real.
Caleb Hammer
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Justin
No, because I brought it up to someone. I brought, I showed her someone and then she refused.
Caleb Hammer
Okay, he showed you someone and you didn't?
Natalie
No, he did not show me any. Because when you look into it, right. I had already told him, you need to find someone, then you're going to have to figure this shit out of me.
Caleb Hammer
He says he presented someone.
Natalie
He didn't present anybody to me. And even if he did, let's say he did, right? When you presented it and when you found this person, did you look at anything? Did you look at insurance? Did you look at where they were located? He didn't. He didn't present anyone to me. He didn't present anything to me. That's what he does. He'll be like, oh, I have this idea or let's do this, or I want to do this.
Caleb Hammer
But if he brought someone to you, would you have done couples therapy?
Natalie
I would have done it, yes.
Caleb Hammer
Would she have done it?
Justin
I had told her to go to her own therapy by herself.
Caleb Hammer
No, no. Couples therapy, man.
Justin
I don't believe. I don't know. I don't know. I can't say for sure because part of me says she would, part of me says she wouldn't. But at the time I had told her, you know, hey, you should go to see your own therapy as well, and. But she said she didn't want to do that because she couldn't find the therapist.
Caleb Hammer
I don't know what to do. Going in these documents and making a budget at the end because I don't know if you guys are together or not. I know you technically financially are right now, but I don't even know if that makes sense because you guys don't even know your future.
Natalie
Yeah, I mean, we said we'd give.
Caleb Hammer
It the gut check. Gut check. I'm going to go 3, 2, 1 point. I want you to give me your percentage to 100, 100% as we are 100% getting back together in my gut. Zero is we will never. I'm going to go 3, 2, 1 points and I want you guys to say at the exact same time what you think the percentage is from your gut or at least of where you want to go. Okay. So 3, 2, 1.
Justin
70%.
Caleb Hammer
Okay. So we're both on the side of going together. So I'm gonna do this as combined. Are you surprised to hear 70% because she's the one that literally packed her bags and left.
Justin
I was. Yeah. Caught off guard by that. Yeah. But I think after being separated for a bit, things have been a little different. We've had better. I. I think so.
Caleb Hammer
But are you okay with her getting railed endlessly?
Justin
Honestly.
Natalie
Don't even lie. He said it's turned him on before. Ooh.
Justin
Part. You know, because I a true.
Natalie
It's not a bad thing. Don't. Not necessarily as like a bad thing.
Justin
No, it's like in the sense of like if I was having sleep with another chick, it's not like she wouldn't get turned on as well. So it's the same.
Natalie
I mean, I'm into girls, so that's a given.
Justin
Yeah, but it doesn't have.
Caleb Hammer
But the idea of it turns you on.
Natalie
That I mean. Yeah, it didn't bother me. I mean, it was kind of hot when it happened.
Caleb Hammer
I mean, a three way would turn.
Natalie
Me on, but him doing it I don't care about. I'm not gonna sit there and think about it. Like, it's like, okay, cool, he did it. I'm not gonna sit there.
Caleb Hammer
No, it turns him on.
Natalie
I mean that wonderful for him.
Justin
I mean, at the time, because it seemed like she like at the time. It did, but like.
Caleb Hammer
And you've never cucked corner?
Justin
No, actually.
Caleb Hammer
I think you should try. I think you like it. I don't. Embrace. Embrace your kink.
Justin
We don't kink shame. That's wild.
Caleb Hammer
We don't kink shame here. We kink shame a little, but we don't kink shame here.
Justin
That's insane.
Caleb Hammer
Embrace the cock. I embrace the goon. Embrace the slut.
Justin
Lagoon is wild ragooners here. It'd be like that sometimes. Sometimes it'd be like that.
Caleb Hammer
Okay, so then we're gonna do combined. So I'm gonna do another one. Three, two, one point. On point. I want you to give me what you think your household combined financial score is 0 to 10. 10 being the absolute best you can think of, 0 being the absolute worst. Okay. 32-145. What the. I guarantee you guys are not on the show if you are middle of the road. If you want your Hammer Financial score, take the assessment for free. It only takes a few minutes@calebhammer.com see where you need to do to improve your finances or where you' doing well. Caleb hammer.com and if you don't want to be like a guest who ends up on the show, make sure you download the dollar wise budgeting app at Dollarwise app. Take the free trial to see if you even like it. It is free. And then if you do like it, you can always sign up for the annual version to save a lot of money. And when you do for only a couple more months, I will personally sign my budget friendly cookbook and mail it directly to you. All the links are in the description below. Check those out. Okay, guys, let's jump into these finances in this financial show. Financial audit.
Justin
That's insane. What the first, this is a finance show. This is more like Springer.
Caleb Hammer
I thought dude, I It's full Caleb Springer.
Justin
I'm here for it. I'm here for it.
Caleb Hammer
I love it.
Justin
Bring it back.
Caleb Hammer
Listen, make finances interesting and more people learn. I vibe with it. Trust me. I love other finance shows. There's a reason they don't get as many views.
Natalie
Very true.
Caleb Hammer
Which doesn't reach as many people. Which doesn't change the lives as many people. So it works for me. Milestone. What's going on? By the way, combined household income is $11,847 net. On a monthly basis.
Natalie
12,800 net.
Caleb Hammer
What?
Natalie
Yeah, with my income. Child support.
Caleb Hammer
Okay, 12,800. Okay. Milestone. What is going on? Who says this?
Natalie
Mine.
Caleb Hammer
Okay. What's going on?
Natalie
I just used it when I went out to travel. I mean this earlier this year.
Caleb Hammer
This year?
Natalie
Earlier this year.
Caleb Hammer
Abandoning home even more. Who would have thought? Is that someone you want to settle down with forever or someone who's always abandoning? Okay. Wow. We. Big guy. Did you know she owes 909.87 when the literal limit on the car that she's able to spend is $500.
Natalie
That's actually because our gym membership continued.
Caleb Hammer
To take out and we know neither of you are using that.
Natalie
Yeah, we stopped going to that gym we're getting.
Caleb Hammer
You didn't even have to say it.
Justin
Yeah.
Caleb Hammer
Okay, so what the that much Hundreds. No. What is Deuce Crew? Deuce Crew.
Justin
That's the name of the gym.
Natalie
I haven't been there in over a year.
Caleb Hammer
What the just happened? 70. 70. 148 64, 70.
Natalie
Yeah.
Caleb Hammer
All in one day. What the just happened?
Natalie
They keep charging me and I contacted him.
Caleb Hammer
What? That was like a thousand charges.
Natalie
That's what I'm saying. That's the gym. Like, the membership we were paying was like $300 a month. The Uniswap wallet makes crypto easier and safer to own and use. Discover new tokens, research confidently swap instantly, and manage it all securely in one place. The Uniswap trading protocol has powered over $3 trillion in volume, and it's trusted by millions worldwide. Buy your first crypto assets in a few taps and experience the freedom of decentralized finance. With Unis Swap. Tap the banner to get started.
Caleb Hammer
What the look at a gym is?
Justin
It was like a personal trainer.
Caleb Hammer
How long have you guys. When's the last time you've been. Either of you?
Natalie
Oh, I went to the gym the other day. I have membership. No, not there. Did this Jimmy a tit over a year.
Caleb Hammer
What the is wrong with you? Why have you not canceled? What is wrong with you? Are you broken? No.
Natalie
Tried to reach out to them. Yes, I am.
Caleb Hammer
Did you go in?
Natalie
Yes, I went in and I've already spoke to the lady and she said that we didn't write like a 30 day notice, so I had to rewrite a 30 day notice. Basically report this to the card. I did report it and if you look at the statement, they gave me the money back and then they took it right back out.
Caleb Hammer
Cancel this ability to charge from that bank to the card. You can. Oh, there's a lot more. Okay. One Amazon Parkland Light.
Natalie
Electricity.
Caleb Hammer
Okay, that's electricity. That's fine. There's your cable or Internet. That's very expensive, though. Payless. Smoke in mart. Friendly nails. Let me see.
Natalie
Oh, I don't have any right now.
Justin
Mm.
Caleb Hammer
I don't have Amazon boat event going in. Getting some bullshit rips. Rips?
Natalie
Yeah.
Caleb Hammer
You mother PayPal drive in your mother and you're smoking. You're morbidly obese and smoking as a mother. What is wrong with you? Don't you want to be around for their graduation?
Natalie
I mean, we. We're around.
Caleb Hammer
We're here for their graduation, you dumb. What do you think that means for.
Natalie
A little bit of meat?
Caleb Hammer
I'm. They're eight. You're ripping in fat.
Natalie
Yeah.
Caleb Hammer
Just being real. I'm not even trying to insult you. I just want them to literally listen. It is 10 years until the first one graduates high school. I want you to be there. You're not gonna be there. You might be There for the first one. I don't know about the one year old.
Natalie
I mean, I've been going back to gym and stuff. I've been.
Caleb Hammer
Okay.
Natalie
I've been sticking to it even.
Caleb Hammer
Still putting smoke in your lungs?
Natalie
Yeah, I am. We do smoke. I did say I was gonna cut down on weed.
Caleb Hammer
Huh?
Natalie
I said we did. We were gonna slow down on weed.
Caleb Hammer
We're gonna slow down. That means you were.
Justin
I think we did. I think we did.
Caleb Hammer
How do you think we did? How does that happen? How do you think?
Natalie
Close your eyes. Exhale. Feel your body relax and let go of whatever you're carrying today. While I'm letting go of the worry that I wouldn't get my new contacts in time for this class. I can't. I got them delivered free from 1-800-contacts. Oh my gosh, they're so fast. And breathe. Oh, sorry. I almost couldn't breathe when I saw the discount they gave me on my first order. Oh, sorry. Namaste. Visit 1-800-contacts.com today to save on your first order. 1-800-contacts.
Caleb Hammer
What? Did you or did you not?
Natalie
Well, I mean, I don't feel like I've been smoking as much. Cause I work so that much. I can't be high at work. Work, you know, so I. I work all the time. So when I get home, work all the time.
Caleb Hammer
You just walked out of your job? What do you mean work all the time? You work 40 hours a week.
Natalie
No, not at this new job. I will. My old job, I was not was working like 60 hours a week. I was leaving and getting to work at 7am and I wasn't getting home till like 7:30pm I. Seven days a week, every day, except Sunday.
Justin
Six days.
Natalie
Six days a week?
Caleb Hammer
Yeah. Yeah. It's a lot.
Natalie
I would have to leave my house at 5:45 to get to work.
Caleb Hammer
Over limit fee. 29.9 interest. You're accruing interest like, like crazy. Okay. Premier bank card. Who's this?
Natalie
Mine.
Caleb Hammer
Okay, two in a row. That's not good. Okay, we have a balance of 286, which is basically maxed out $0.04 $30 fee with purchasing of 101. Why are we purchasing on a card that is green interest? That is getting fees that you are not able to pay off on a minimum monthly basis. What the wrong with you?
Natalie
So we were paying them off on a minimum monthly basis and now you're purchasing on a.
Caleb Hammer
Why?
Natalie
Yeah, we.
Caleb Hammer
Why?
Natalie
So I had used the majority of these cards when I was going out of town. Like I Said at the beginning of the year, I came to New Mexico or went to New Mexico with my kids. I was out there for about a month. I went to Reno. I was out there trying to meet with Pop Warner.
Caleb Hammer
Dude, you don't get to travel everywhere. I'm sorry. Even with family. If you cannot afford it, if you're putting your entire family's future into the ground, you don't get to travel. What is wrong with you? How often are you traveling?
Justin
It was every.
Caleb Hammer
I'm being told you travel constantly.
Justin
It was every month or every couple months? It was every month. Like every couple of months.
Caleb Hammer
For you. Why?
Natalie
For going to visit.
Caleb Hammer
But I work all the time. You.
Natalie
I wasn't working at that time.
Caleb Hammer
No, you only just started working and you're crying about it.
Natalie
Yeah.
Caleb Hammer
So I don't want to hear it. 27 and you just started working. Let's be real.
Natalie
I didn't just start working. I've been working. I just. Was a stay at home traveling every month. Yeah. When I worked from home. Yes, I sure did. I could take my laptop and go. He was traveling with me.
Caleb Hammer
Yeah. How about you actually pay on time? Why are you having late fees? Did you know she's having late fees?
Justin
You know, honestly, if there's issues with the bills, I wouldn't know because I didn't even keep track.
Natalie
He doesn't look at any of the finance. He doesn't know anything.
Caleb Hammer
You know, and that's fine that you don't look. No, it's not, though, because what I would say is, why aren't you making him sit down with you?
Natalie
I have. Have I not?
Justin
We've done that before.
Caleb Hammer
And why aren't we doing that on a reoccurring basis? Why aren't you pushing for a reoccurring basis?
Natalie
I have.
Caleb Hammer
Oh, come on. You can make him.
Natalie
It's the same. No, do it over a meal. I've even. It is not even a meal. I will literally sit down with my laptop and say, hey, I'm gonna.
Caleb Hammer
I'm saying do it over a meal because I know what you guys like. They're called meals.
Justin
So we. So we.
Natalie
No, we would sit down and he would be on his game and I'd be like, hey, come do the finance.
Caleb Hammer
Well, obviously. Okay, first you're trying to take a man from his game, okay?
Natalie
He needs to learn the finances.
Caleb Hammer
Speaking of every penis wearing individual out in this world, the dude was in the middle. He was in the middle of blasting some heads in the new battlefield. He can't take it away. He has to win that match. Okay, so he squatted up. You think that's when you're going to have a financial conversation? You're setting yourself up for failure at.
Natalie
The same time every day.
Caleb Hammer
If he was doing in the middle of you. If you do it in the middle of you getting your nails did, you're not gonna just stop? Come on. He's in his hobby. He's in his mind. Shut down now. Should you be doing it as much as you are? Probably not. You're blazing it up, and you're just ruining your entire future. I will call you out for that. But you think that's the time to do it off? Do it over a meal. Make it nice. Make mother watch the kids. We get a shit ton of. I'm guessing McDonald's, and we just.
Justin
No, not McDonald's.
Caleb Hammer
Fine. Burger King, Wendy's.
Natalie
I can't eat beef, so she's allergic to beef. I'm allergic to beef.
Caleb Hammer
So are you getting ice cream?
Natalie
No, I. Like I said, these past few months, really watching what I eat?
Caleb Hammer
Fried chicken?
Natalie
No, I don't like French.
Caleb Hammer
You're doing something well.
Natalie
So I was big, crunchy. I lost. I lost, like, almost 30 pounds in the past since.
Caleb Hammer
Yeah. You're taking this much dick. It's honestly impressive.
Natalie
I've just been focusing on that, so.
Caleb Hammer
Good for you.
Natalie
We slowed down on eating out, so I eat at my friend's house. They usually make dinner.
Caleb Hammer
What?
Natalie
Mm.
Caleb Hammer
Oh, the dick riding friends.
Natalie
Oh, well, the twins. Yes.
Caleb Hammer
Huh.
Natalie
They're my best friends. No, twin sisters. They're my best friends. They're the ones that I'm always with.
Caleb Hammer
Over a meal that you both like is when you sit down. Don't take the dude from the game. Don't take it from her nails. You do it at an appropriate time. That makes. Makes sense. Over something you both enjoy.
Natalie
That is chill for years with being routine. I see.
Caleb Hammer
Are you not willing to actually do the thing that I say you should probably try to do?
Natalie
Well, we've tried it multiple times.
Justin
The whole concept, girl.
Caleb Hammer
You think you're okay. You think you're the one advocating for something proper? You have a credit score of 476. What the is that? A credit score under 500. You never even hear about that. You're ruined. You're broken. You ran through what? I didn't mean that. Yes, I did.
Justin
The. The whole concept, I guess, is her feeling like if he wanted to do it, he would do it. But I mean, at the same time.
Caleb Hammer
Even still does it Even matter that he's not sitting down. For you to have had three late fees this year so far on this card alone. Three. Three. That's him not sitting down. You, you're having three late fees. The minimum depend is $30 and you've missed that three times this year. What the is wrong with you? Also, you can travel once a month off. You're the one that wanted to come on the show. He's never seen it. And we never have people on the show who's never seen it. Glad you at least went through the onboarding process. But you've seen it. You're the one who applied. What do you think so far?
Justin
It'll be a good wake up call for me and for her.
Caleb Hammer
Yeah, okay. What the is wrong with you? Three late fees that you bitch and moan about him not sitting down. I would too. Come on. You're it up. This isn't him not sitting down.
Natalie
Yeah, well, I mean I'm the one who handles it and honestly handle it.
Caleb Hammer
You're not handling it. You're late. Yeah, endlessly. Endlessly.
Natalie
Yeah, that one is the one. I'm late. And like I said, the charges kept coming.
Caleb Hammer
The last one was over the limit. Q. We've looked at two. One was over the limit. Two. The. The second one had late fees three times this year. Q.
Natalie
Yeah.
Caleb Hammer
Speaking of which, who's the quicksilver one?
Natalie
That's both of us. That's our capital one.
Caleb Hammer
You're both on this?
Natalie
Yes.
Caleb Hammer
Who opened? Who's authorized?
Natalie
Actually, I opened and I'm authorized. He's authorized. His parents are authorized.
Caleb Hammer
Your parents are authorized on this card.
Justin
They don't have it.
Natalie
But they don't have the card though.
Justin
But they don't have the card. But they're.
Caleb Hammer
Why are they authorized?
Justin
Because they, they were struggling at the time and we were trying to help them.
Caleb Hammer
So a credit card's at the guys. Generational mistakes, I'll tell you that. Balance of $316.82 which is over the 300 limit. Glad they give you small limits across these cards because you guys can't be trusted. For minimum depayment 36. I bet it's usually 31. However, minimum payment 63. Sorry, minimum payment is normally 31, but. Oh, we're late. We're behind were fees, interest and purchases. Who purchased, who purchased. Who has all the Apple bills? Apple. Apple, Apple, Apple, Apple, Amazon. Going against some. Why? Who is that?
Natalie
Amazon is me. Apple. I don't know.
Caleb Hammer
I don't the is wrong with you guys.
Justin
A lot of subscriptions because a lot of them canceled.
Caleb Hammer
A lot of five late fees this year so far on this card, you. The last card is the only card you're laid on. You have 5, 5, 5.
Justin
The LA. I mean, well, damn.
Caleb Hammer
I can't open your phone. Give it to me. Give it to me now. Why is this not texted back yet? Why is the guy F 60.08 saying bring the twins a gift? You have no idea. Bring the twins a gift of life.
Natalie
I have no idea. Does that mean talking about.
Caleb Hammer
Okay, let's look at your subscriptions. Calendars. Why the would you have calendars when you have a calendar? Apple one Gmail. You need to pay for Gmail?
Natalie
Yeah, they make me pay for storage.
Caleb Hammer
Okay, let's see. Amazon and then pull your phone out too. Rather. Look at that. Something in the cart already. You have a $900 MacBook Air in your cart. Why? Well, actually, he doesn't know this. He doesn't know this. He doesn't know this.
Natalie
He does know we had this Mac. No, that's what we were talking.
Justin
He said 700.
Natalie
Well, I stuck it in the cart to save it because before taxes you. Well, it was on sale and they don't have it on sale anymore. That's why it's still sitting in the cart.
Justin
That's crazy.
Caleb Hammer
You got a small. You got a dog shot collar.
Natalie
Okay, Hasan, for my other dog, she's older and she barks a lot. My mom said so.
Caleb Hammer
Why are we shocking dogs?
Natalie
It has like a vibration thing.
Caleb Hammer
As long as you only use the vibrate. I do a vibrate beeper thing.
Natalie
Yeah, that's what it has is like the. The vibration beeper thing or whatever. My mom said so.
Caleb Hammer
Okay. Wall mount. But that was a full length mirror. Trust me, you're gonna need a wider one. King size floating bed. Won't be floating for long. Am I doing well? These good? Great TV backlights. Yeah. That's more important than taking care of our kid. That's well done. Plus size lingerie. Trying to get dick down. Bling usbc Car charger. That's critical. Ring light you. Phone case. Phone case. Little ride. Robin Hood.
Natalie
Cost my daughter's costume.
Caleb Hammer
Oh, thanks. Big TV stand. Even though you got a wall mountain. It's interesting. Lucas starter. Lucas starter. 1902. Six compatible something and then a rug. Yeah, this is all you. Now. See yours. Is it open? You got to open it.
Justin
My bad.
Caleb Hammer
I don't know your password or face.
Justin
I don't buy anything. Really.
Caleb Hammer
So I'm looking at Your subscript. What do you have a different Amazon?
Justin
No, I don't. I never use it. I don't really.
Caleb Hammer
Yeah, I'm looking at no spending's you but let's see your subscriptions. Prime video. Another Apple one.
Justin
Hi dive high dives for anime. What?
Caleb Hammer
Black people and Asians spend a lot of money on anime.
Justin
Hey, to be fair, I was around before it got popular so.
Caleb Hammer
Well, it's been popular for a long time.
Justin
Well before it became mainstream I suppose.
Caleb Hammer
You would say iCloud plus that's okay universal remote. I'm glad it's expiring but what the. He was paying for Tinder December last year.
Justin
Yeah.
Caleb Hammer
Okay. Well we continue. Okay. Who's the capital one platinum.
Natalie
Both of us again.
Caleb Hammer
Okay. We owe three. 2907. I bet the limit's 300. Yes it is. Wow. We're completely in every way whatsoever. $30 minute payment but oh, we're behind and oh, we purchased it. Oh it's Amazon which means it's you so far you are the problem. He's not looking at shit and that's bad. And he needs to be a part of the communication but the spending and dad is you.
Natalie
Yeah.
Caleb Hammer
So how can you come in and bitch and moan?
Natalie
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Caleb Hammer
Two late fees this year. So again, few. When you said that was the only card two cards ago. What do you think so far? Looking at this because this is your first time looking at it, which is an issue. But yeah, what do you think so far?
Justin
I mean like I've sat down and I've looked at it but I when we do talk about it, I'm gonna be honest. I don't retain the information so well.
Caleb Hammer
Yeah, you're.
Justin
Yeah, partly.
Caleb Hammer
So am I. It happens. But you just have to keep looking at her use of budget now why aren't you using dollar wise you get it for free for the rest of your life. So enjoy it, use it. That way you don't have to like sit down and look at but yeah, makes it there and easy and digestible.
Justin
I think it's because I get lazy and so I refuse to sit down and like.
Caleb Hammer
It's probably because you're fat and smoking weed all the time, dude.
Justin
Probably. Wait, well, no, actually, yes.
Caleb Hammer
We'll all be lazy with that. Come on. I'll let you use the fizz card. It's a debit card that builds credit because we do want to build credit. Or maybe you, I don't know. But it only lets you spend what's in your checking account. And I'll get you a course career certification as well of your choice so that you can find something to kind of. Oh, maybe you should get that so that you can get a better job, a more fulfilling career. A lot of people in the audience have used that and they've been able to get a better, better job. So. Okay, America Bank. Who's this?
Natalie
Mine.
Caleb Hammer
You. She's the problem, right?
Justin
I'm the problem for not paying attention to it, but sure.
Caleb Hammer
But she's a problem for doing everything that got you, right?
Justin
Yeah. If I'm being honest.
Caleb Hammer
$35 monthly payment balance 434. Limit of five. At least. We're a little under this time. 15 months to pay off if we do minimum only without purchasing. Oh, there was purchases. Oh, we've had a late fee. I'm. It looks like every month this year so far. She's been late every month this year so far. Guys, just real quick, don't forget to take your Hammer Financial score@caleb hammer.com. see where you stand, where you got to do better, where you're doing. Listen, it just takes a few minutes and it is free. Figure out where you stand in the world of money. Caleb hammer.com Starbucks is bull and a waste of money. And you already know that by making your coffee at home and invest in the rest. So now you need to do that with your energy drink as well. Make gamer stuffs at home for just 25 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is Game Sauce.
Justin
Literally the cherry flavor.
Caleb Hammer
Insane. Listen, you can also get free samples to see if you like it. Or 10 off your order at gamersupps gg or click that link in the description below. Type in code. Caleb, what do you think? How does that make you feel?
Justin
That we're. And it's pissing me off.
Caleb Hammer
You're pissed. What pisses you off? Specifically?
Justin
Because I didn't do my part to look at it. So now it's gone to. And now it seems like everything is late and everything is behind or whatever.
Caleb Hammer
What's gonna change?
Justin
I'm gonna make sure that I can sit down with her so we can do this together. This is ridiculous.
Caleb Hammer
What now makes you actually want to do that?
Justin
The fact that it's late and. And we shouldn't be almost 30 and struggling like that. It's ridiculous.
Caleb Hammer
What do you think when you hear that?
Natalie
I mean, I figured it was coming, but, I mean, I just kind of left it alone. It was just a lot. And I asked him for a mother.
Caleb Hammer
Yeah, you're a mother. That's not an option.
Natalie
But my biggest thing is I want to be able to see the kids experience right now.
Caleb Hammer
Dude, nothing in there has been kids experiencing yet.
Natalie
Amazon.
Caleb Hammer
Everything I purchased, buddy, I just went through the Amazon. There was one Halloween costume for them. The rest was you.
Natalie
Yeah, that's because I have a different Amazon account I don't know how to get back into. My other one is linked to my old phone number.
Caleb Hammer
What's wrong with you? And also, it's just last month anyway that we're looking at, so it wouldn't be that case if you couldn't get into it. And this is for Verizon. You got that on a card that you can't pay off. Like. Okay. What is this? Oh, it's a firm. Wonderful. Who's affirm?
Natalie
That was mine.
Caleb Hammer
Huh. Interesting.
Natalie
I used a firm when we moved to Washington.
Caleb Hammer
You have a balance on a firm of $2,596.44.
Natalie
Why? Because that's what I used to furnish our new house down here.
Caleb Hammer
Oh, you couldn't go on Facebook Marketplace, you dumb tit.
Natalie
No, I didn't want to get used couches. That would have been.
Caleb Hammer
Clean it. Clean it. No, clean it. Clean it. What's your background?
Natalie
What do you mean? What's.
Caleb Hammer
What's your ethnicity?
Natalie
I am Navajo in his.
Caleb Hammer
Clean it.
Natalie
Nope.
Caleb Hammer
What's it. Pull up your affirm.
Natalie
Oh, I don't have the app anymore.
Caleb Hammer
What is your minimum owed?
Natalie
That.
Caleb Hammer
That's not your minimum. That's your balance.
Justin
You.
Natalie
Oh, I have no idea. I haven't logged into that in over a year.
Caleb Hammer
Oh, it's probably. One main bright way. Who's this?
Natalie
That's both of us. But I used it.
Caleb Hammer
So I want to do. You know, I want to kind of clarify how this at least looks so far. Yep. It all. Yes, Ben. For your wishes, your desires. And then you try to frame this entire conversation as we're. Because he won't sit down to look at my mess.
Natalie
No, it's not the worst because you won't look at my mess.
Caleb Hammer
Yes, that is how you try to frame this conversation. And yes, you should be looking. But she framed this as broth because you won't sit down and look at it. What do you need to sit down and look at her mess?
Natalie
I mean, it's spending. We have income.
Caleb Hammer
Yeah. How do you think you get debt?
Natalie
Yeah, yeah.
Caleb Hammer
You owe on here. $585. Credit limit of 550. She's over. Once again. Who would have thought? Three years to pay off Minimum payments only without purchases. Oh, there's purchases. Minimum payment normally. I don't know. I'm going to say like 30 bucks. I don't. Cuz she's behind. Who would have thought like every single time. Late fee, late fee, late fee, late fee. Two years this year so far. You. When he said it's the only card. Dude, what a tit. Verizon again. How do you have Verizon on the last card and then Verizon on this card? Verizon was like $150 on the last card. Verizon's 248 on this card. What the. Going on the phone bill on two cards?
Natalie
Yeah, I mean, I'm just paying with different cards.
Caleb Hammer
What do you think?
Justin
What the. I mean, because me not paying attention when I would ask her about it, you know, how things were getting. Were going. She would tell me how things were getting paid and I just took her at face value.
Caleb Hammer
You're in a major city. T mobile's probably good there. Pay off your phones, switch to helium mobile. It's 15 bucks a line.
Natalie
You said who?
Caleb Hammer
Helium Mobile. There's a ton of third party carriers that use the same towers as one uses T mobile's towers. But you have to pay off your phone first. You interest recruiting like crazy. Okay, What's Fortiva? I've never even heard of that.
Natalie
Fortiva is Fortiva. It's both of us. It's what we use to finance our alarm system.
Caleb Hammer
What? Why? Why do you have that?
Justin
A couple of people have broken into our cars and stuff. Our.
Natalie
My car was saved.
Justin
And then.
Caleb Hammer
Is that gonna prevent your car being stolen?
Natalie
No, but I mean, no.
Justin
They've stolen stuff from around our house and stuff like that.
Caleb Hammer
So get out of the ghetto.
Justin
Right.
Caleb Hammer
Well, you also live in a city where the D. A doesn't actually prosecute criminals. Well, yeah, the catch and release, it actually kind of sucks. And it really. It shouldn't Be a blue or red issue. It should be, hey, believe it or not, if someone commits crime, maybe don't let them right back out on the street every single time. Because every single person that commits crime basically has already been arrested for crime three times.
Natalie
Yeah, they really don't care out there.
Caleb Hammer
It's absolutely insane.
Justin
The whole recidivism thing all over again.
Caleb Hammer
That should not be a political issue, guys. It really shouldn't. It really shouldn't. Paying off debt shouldn't be. Political criminals not just being everywhere should not be political. I don't know what the is going on these days. It's kind of crazy. We have one of those in Austin, by the way as well. Garcia. He's a dumb. He's a dumb. I don't care if he's Republican or Democrat. He let someone get shot in the. By the library who's been arrested like eight times. Release. Release. Release. And he went in the library and killed someone. The holy. Yeah.
Justin
What the hell?
Caleb Hammer
I don't know. It's been proven time and time again that it does not decrease crime.
Justin
Terrible.
Caleb Hammer
Yeah, they just do it.
Justin
Jesus.
Caleb Hammer
What is happening? 30 minimum fee payment. Yeah, it's stupid. Just like this. Of which you were over the limit of 719.84 with interest occurring 20 bucks fees occurring. Who would have thought? 2 years to pay off for you.
Natalie
What's up?
Justin
What do you think about me seeing this all.
Natalie
I really don't care. I've tried to show it to you before.
Justin
About how everything. Why? About his late and stuff.
Natalie
Because I truly don't think you're gonna do anything different.
Caleb Hammer
I think she cares what people think. She gets railed by her co workers. She gets railed by people that's related to people she knows. She gets railed by everyone. She doesn't care what people think. She's the rail queen. Choo choo. Those trains get ran.
Natalie
I mean, I. I don't know.
Caleb Hammer
Would you tell me a train hasn't been run on you?
Natalie
Oh, no.
Caleb Hammer
Really?
Natalie
Yeah. No.
Caleb Hammer
Is that true?
Justin
I can't say. She says no, so.
Caleb Hammer
No.
Natalie
That's a scary situation right there.
Caleb Hammer
Scary.
Natalie
Yeah, I'm good.
Caleb Hammer
Hope you're getting tested frequently. Every three months. We love being slots. And I get tested for being a slut. You gotta get tested?
Natalie
Oh, yes.
Caleb Hammer
Sports academy. Stupid. Went in, got some stupid Sunnyside Beach. Stupid. You are broken. Because I know that's you, not him, right?
Natalie
To a certain extent. I mean, I may swipe the car, but I'm not the only one making my purchases.
Justin
Like a lot of times when we do make purchases who also.
Caleb Hammer
Dairy Queen, McDonald's. McDonald's.
Natalie
Yep.
Justin
Both of us.
Caleb Hammer
Car wash, Metro, bit T Mobile. That was two Verizons and Metro by T Mobile.
Natalie
I paid a phone bill for my mom.
Caleb Hammer
Dude, you can't afford and a car wash again. You live. You live in Seattle. It doesn't snow. You're not in the desert.
Natalie
Car's.
Caleb Hammer
Yeah, but not in a dangerous way for the car. Dump a bucket of water out of you dumb.
Natalie
No.
Caleb Hammer
Yes.
Natalie
No.
Caleb Hammer
You die.
Natalie
It comes with vacuums. I'm good.
Caleb Hammer
You don't have money.
Natalie
I mean, we do have left. We have about 5,000 left over every month, but.
Caleb Hammer
Shut the up. You're over the limit and laid on everything. Die.
Natalie
Yeah, we just don't pay for it.
Caleb Hammer
Die from diabetes.
Justin
Not diabetes is crazy.
Caleb Hammer
You have diabetes?
Natalie
No.
Caleb Hammer
You have diabetes?
Natalie
No. No. Underlying health issues. Nada.
Caleb Hammer
World finance. What's going on?
Natalie
We had gotten a loan.
Caleb Hammer
We?
Justin
Yes.
Natalie
So yes, he had gotten a loan.
Caleb Hammer
This is yours?
Justin
Yeah.
Caleb Hammer
Finally the first time it's just you.
Justin
I have some that are just me, but then.
Caleb Hammer
So this person alone is just you?
Justin
Yeah.
Caleb Hammer
Okay. What's it for?
Justin
We were. I think we needed it at the time to pay for.
Natalie
He got that for. For me.
Caleb Hammer
Huh. A camera lens for you. So it still comes back to you. Oh my. What is she doing? What of.
Natalie
No, my photography.
Caleb Hammer
Yeah. Your photography.
Natalie
Yep.
Justin
I'll vouch for that one.
Caleb Hammer
What she's not making from her photography?
Natalie
Well, that was the goal. And then I started working this new job.
Caleb Hammer
So $193 a month and 86 cents. Which was due seven days ago at the time of the statement. And then you didn't do you. What the. You make money. You make $7,847 a month. You can't pay $193. What is wrong with you? Balance 2,714. Who knows what the interest rate is? Probably not good. Wait. Oh, you were begging for her to start an OAuth years ago.
Justin
It was a joke.
Natalie
But still begging me.
Justin
It's more of like I would do it. I think it's. I think it's funny. But I didn't think she like, it's not serious.
Natalie
Huh.
Caleb Hammer
And would people pay?
Justin
Oh, I'm sure.
Caleb Hammer
Why are you sure?
Justin
I mean, obviously she's beautiful, so I mean, she. Obviously people would pay. But I mean like he said that.
Natalie
Before because people would send me money on cash app.
Caleb Hammer
What the. Why? How are you doing this? How are you doing these things? How are you slaying all this dick? Getting all this money?
Natalie
They just see my. My Snapchat. They see my social media. They like my social media. They like me. They send me money.
Caleb Hammer
Social media? What's on your social media?
Natalie
My Snapchat. My.
Justin
Your ass is on your social media.
Caleb Hammer
You're posting your ass.
Natalie
I mean my outfits. It's not my ass. It's not my fault. My ass is there.
Justin
You know how many like Halloween have you shaking your ass?
Natalie
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Caleb Hammer
All right.
Natalie
Rights reserved. Lot.
Caleb Hammer
Personal loan. Whose personal loan is this?
Natalie
That one's mine.
Caleb Hammer
Yeah.
Natalie
Yeah.
Caleb Hammer
Yeah. Okay. What's $1,342.53 for?
Natalie
We used that when we went to New Mexico.
Caleb Hammer
Die. Just die. Die. What the are we doing, guys? This is so stupid. So stupid. Minimum the payment, 149.19. This was eight days past due at the time you send any statements in also you're lying. This loan was for a camera.
Natalie
Was that one for the camera? I'm being told one of them was for a camera. One of them was for our trip. I know. We used it.
Caleb Hammer
Hunt Mexico, dude. Poorest states in the country.
Natalie
New Mexico's bad.
Caleb Hammer
The West Virginia of the Southwest. Okay, Credito Real usa. That sounds a bit racist.
Natalie
Yeah, they changed it. Now it's Finby.
Caleb Hammer
Fin B. Yeah.
Natalie
F, I, N, B, E. Finby. It's weird.
Caleb Hammer
Finbiner.
Justin
Probably used to be.
Natalie
But no, it changed. It's called Finby now.
Caleb Hammer
You know, the best. Best coffee chain up in Michigan used to be a place called Banners. It was. It was great. Then everyone cried and jerked off. Even though there's no Mexicans in Michigan. Damn Middle Easterners now. They're everywhere. But I didn't see a Mexican until I moved to Texas.
Justin
Jesus.
Caleb Hammer
But they changed it to see. I can't remember the name of it. Because they had to change the name from Beners.
Natalie
Damn.
Caleb Hammer
It's a shame. It's a shame. Would you be offended if you saw a coffee place called Beaners? Because it's obviously beans.
Natalie
Yeah. No, I wouldn't be.
Caleb Hammer
Yeah. What the is wrong with this world. Everyone's such a.
Natalie
Everybody gets so offended.
Caleb Hammer
I know.
Justin
Over everything.
Caleb Hammer
Wait. Toyota Camry. Oh, no. The minimum. The payment is 635.20.
Natalie
Well, no, no, no. So that was.
Caleb Hammer
Yeah, yeah, yeah, yeah, yeah.
Natalie
No, that was definitely payment for the car.
Caleb Hammer
Yeah.
Natalie
Stolen, got paid off.
Caleb Hammer
I'm crossing this out. So this is.
Natalie
That's still a three thousand dollar balance on it.
Caleb Hammer
What's the new minimum?
Natalie
Fifty a month.
Caleb Hammer
Okay. One hundred and fifty three thousand owed car stolen. More Fortiva. Most. $1,907.61 on a Fortiva credit card, which is maxed out.
Natalie
Oh, that one's actually retail. The other one was probably a credit card. That one's retail. That one's. That one is the camera system.
Caleb Hammer
And it's yours.
Natalie
The. That one also.
Caleb Hammer
The pass one was yours.
Natalie
The past one was mine.
Caleb Hammer
Just. What are we doing?
Natalie
So there's two fortifas. One's a retail account, one's a credit card.
Caleb Hammer
$1,807.61. Five years to pay off, by the way. Minimum payments only without doing any purchases. Oh, yeah. Interest fees. Two late fees this year. Off, off, off, off, off. Cough, cough. 10% interest rate. You don't even pay a Off off. What? Kia Carnival. Do we still have that or was it stolen?
Natalie
We still have it.
Caleb Hammer
It is. What are you doing? What are you possibly doing, guys? $29,442. 40, 49 cents.
Natalie
Mm.
Caleb Hammer
What the. What the.
Natalie
Yeah, the Kia Carnival. We needed a bigger vehicle.
Caleb Hammer
What do you think it's worth?
Natalie
I don't know.
Caleb Hammer
Good news. It's about break even. You're selling this tomorrow and you're getting a ten thousand dollar car because you can get a ten thousand dollar car that has the space you need. Get a van, a mini van.
Natalie
I mean, I'm open to it. But you can't return these.
Caleb Hammer
And that's gonna be a repo sell you. Are you dumb? I just said sell it. It is worth what you owe. Sell it. Sell it. Sell it. Sell it. You. What is wrong with you?
Natalie
Oh, okay.
Caleb Hammer
Oh, good. I'm crossing it out and I'm replacing it with a ten thousand dollar thing because you are selling this tomorrow. It is not a. With a. Call it a 500 minimum payment.
Natalie
With a 500 minimum monthly payment.
Caleb Hammer
Yes.
Natalie
I'm just making sure. I don't know if we can get rid of the carnival.
Caleb Hammer
Yeah, you sell it. Are you stupid? Stupid. Are you selling the carnival?
Natalie
We're gonna have to.
Caleb Hammer
Good. I was about to end it if you said no. Good. So I can continue. It's not an option. You guys can't afford life.
Justin
Jesus Christ.
Caleb Hammer
Global Lending Services. Who owes this? Who is this?
Natalie
That is both of us. That is forte.
Justin
That's my car.
Caleb Hammer
Yo.24. $299.33. What do you think it is worth, big guy?
Natalie
Definitely not that.
Justin
Definitely not that.
Caleb Hammer
It is definitely not that. What do you think it is worth?
Justin
How much did you say? I'm sorry.
Caleb Hammer
You owe $24,299.33.
Justin
It's worth maybe 15,000 to 16,000, if that.
Caleb Hammer
Well, 17.
Justin
Okay.
Caleb Hammer
608Amonth. Cash app. 831 is in a balance, but it goes out every month wet. Oh, another car wash. Three in a month. Die mattress. Denver Mattress. That was for her.
Justin
For her brother.
Natalie
We purchased some sheets from my. How much for this?
Justin
$300.
Caleb Hammer
Going in some Amazon. Amazon, Walmart. What do you go when you go into Walmart and get something for $10, what are you getting?
Natalie
What are you getting for something for $10? Usually like a shirt or something maybe.
Caleb Hammer
Oh.
Natalie
Why snacks? I don't know.
Caleb Hammer
Snack. What snack?
Natalie
Cute snack for the kids.
Justin
Them.
Caleb Hammer
Them buy in bulk. Get Costco.
Justin
I don't know why you're doing that.
Caleb Hammer
You say f kids all the time.
Natalie
I do say kids. F kids. But I still give those kids operator fee.
Caleb Hammer
Getting some. Getting some. What did you go into the gas station get $8.84?
Natalie
I don't know.
Caleb Hammer
Taco Bell. Check the box. You KFC. You KFC. That's racist. Taco Bell. Sending out money. Amazon Cafe. El Smokey Coffee Bar. Boiled. Sending money. Sending money. Vending machine. Vending machine. What are you getting to the vending machine for? $3.25.
Natalie
Oh, that's my blue Gatorade.
Caleb Hammer
Buy it. Blue Gatorade. You can buy a Balka Gatorade for $6.
Justin
Blue Gatorade.
Caleb Hammer
Jesus.
Natalie
Yeah, but I don't always want it, so sometimes it's just there.
Caleb Hammer
Bring it.
Natalie
It's convenient. Bring it.
Caleb Hammer
Send it. Taco Bell. Sending. Sending Vending machine. Woo. Vending machine. Jack in the box. Sending. Sending. Wendy. Sending. Sending Vending machine. Vending machine. You're getting blue Gatorade every 10 seconds of your life. Yeah. Is it zero calorie Gatorade?
Natalie
Huh?
Caleb Hammer
That's zero calorie Gatorade.
Natalie
I don't know. It's whatever.
Justin
No, because you don't like the sugar. You don't like the sugar free. Because it don't taste right.
Caleb Hammer
Elite kfc.
Natalie
Yeah. Elite is coffee. That's kind of an every morning thing.
Caleb Hammer
Every morning. Make your coffee at home, you dumb. And make your energy drink.
Justin
Did you tell me to make my coffee at home?
Natalie
I did, yes.
Caleb Hammer
And make your energy drinks at home as well. 25 cents a serving. I guarantee you. Guarantee you. It tastes better than Gatorade because you can do the hydration versions as well instead of the energy. So take your free samples. Get your free samples. Link in the description below. Type in code Caleb. And then get your. When you order the flavors you want the. The nice big packs. 25 cents a serving with 10. Off with my code. Link in the description. No more of this dumb. Make your coffee at home. Make your energy drink at home. That the hydration version. Better than Gatorade, I promise. And it tastes. It seriously is better than Gatorade.
Natalie
No, and it really tastes. Is that this this or was that the other one?
Caleb Hammer
This is the canned version. There are the powder version.
Natalie
Yeah, the canned was what we drank.
Caleb Hammer
The strawberry. Yeah, it was very good. That's Charlie. Yeah.
Justin
Yeah, that was really good.
Caleb Hammer
Vending machine ascending. Sending. Subway, Neocord, Payless, Smoke Mart, Dye Market, Taco bell, Olive Garden. $5 in saving. Donating is a across the board from Walmart. 200 in here. Let's just check. Protection fee. Overdraft. Die.
Natalie
Die.
Caleb Hammer
400 of overdraft fees this year so far.
Natalie
Oh, what are we doing?
Caleb Hammer
We're ruined. We're ruined. We're ruined. We're ruined. This is one of the worst I have seen in a very, very, very, very, very. You write this down. Fuck you. I don't want to look at your budget. You don't know what the. You're doing. $400 in overdraft fee. I don't want a single I had chat GBP do it for me thing that you do.
Natalie
I just have chat gg.
Caleb Hammer
Yeah. You don't know what to feed Chad. Gpg. You don't know anything. You can't give it accurate information. Oh, my. Are you kidding me? Are there three more loans?
Natalie
Yes.
Justin
What are school loans?
Caleb Hammer
Concordia school loans and Credit one.
Natalie
Credit One is your silver card.
Justin
I'm about to scream, guys.
Caleb Hammer
Why. Why are you doing life the way you're doing it? You're. You've destroyed your kid's future. You're ruined. You're destroyed. This is the. For a household that makes literally 12,800 hours a month. When are you out of your lease?
Natalie
What are we. What.
Caleb Hammer
When are you out of your apartment?
Natalie
Next. Oh, next June, July, June, July.
Caleb Hammer
Die. What are both the rents combined?
Natalie
2340 and 1350.
Caleb Hammer
I said combined. You?
Justin
Oh, 37. No way.
Caleb Hammer
20, 2340 plus. What?
Natalie
What said 1350?
Caleb Hammer
3690. Both utilities combined.
Natalie
How much utilities combined? We're looking about 400amonth. Including with Internet, that is with Internet.
Caleb Hammer
Phone bills. How much?
Natalie
200Amonth.
Caleb Hammer
It was more than that, but whatever. Debt payments? Let's see. Let's find out. What are your student loans? What? Concordia. What about credit one?
Natalie
So, student loans. 10,000.
Caleb Hammer
Yeah. What's the monthly payment?
Natalie
They haven't given me one yet because I'm still enrolled.
Caleb Hammer
Starts next summer. Oh, that's right. Okay. What about Concordia?
Natalie
Concordia, the monthly payment is like 30 bucks.
Caleb Hammer
Okay. And credit one, it's about 30.
Natalie
One is. No, that one is a $2,000 limit. So that one is about 120, 200.
Caleb Hammer
Sometimes on his trading the car and all that and you get the new car. 10,000, blah, blah, blah. Your minimum payments are still $1,811.57. Could be a big part of a nice chunky mortgage. Car insurances. How much?
Natalie
720.
Caleb Hammer
Oh. Oh, that's insane. Gas, how much? Vroom, vroom. Drive, drive.
Natalie
Probably about 600amonth.
Justin
Oh yeah. Per car?
Natalie
Yeah, for both of us.
Justin
Yeah, you're right.
Caleb Hammer
Should be about a th000 for groceries. Should be okay. Yeah, it'll have to go up the older they get. Minimum payment. Anything you and the kids need to survive. This is tampons, this is makeup. This is school activities. This is whatever. It fluctuates month to month. But we're going to average it out at about 300. You can save one month, spend six the next. Medical, health care, their cop.
Justin
What?
Natalie
It's. It's definitely more than 300amonth.
Caleb Hammer
You. No, that's not. Not anymore.
Natalie
The kids haircuts alone are like 200 bucks.
Caleb Hammer
What are you. What is wrong with you?
Natalie
A month?
Caleb Hammer
Go to great clips of every few months. Are you stupid?
Natalie
That. No, I won't change their barber.
Caleb Hammer
Okay, then die then. I don't give a f. If you're not willing to change a barber, then go die on the Walmart floor if you're not going to change a haircut place. Are you stupid? I'm not going to deal with this. I'm not dealing with this if you're not changing a barber. What the is wrong with you? You're a mother. Change it.
Natalie
I get that.300.
Caleb Hammer
I don't give a.
Natalie
Comfortable with wearing Stop.
Caleb Hammer
I don't give a shit. I don't give a shit. I don't give a shit. $50 for subscriptions. Do you have co pays?
Natalie
No.
Caleb Hammer
On a monthly basis. For medical?
Natalie
No.
Caleb Hammer
Gyms. How much outside of the one that we're going to be canceling?
Natalie
$40.
Justin
You're talking about the one you just got?
Natalie
The one that I have? Yeah.
Caleb Hammer
Pets. How much? How many?
Justin
We should have a dog age and health.
Caleb Hammer
Yours is brand new and healthy. You.
Justin
She's about. She's five. She's six.
Natalie
Yes.
Caleb Hammer
$100 a month for pet insurance because no way you guys can afford if something happens to that dog and it's not fair to them. Pet food. How much on a monthly basis?
Natalie
Oh, like 50 bucks. They're small dogs. They don't eat a lot.
Caleb Hammer
This is a minimum survival budget. Not a we get to choose the barber. We prefer budget. This is a survival budget. You are a mother. You have kids to take care of. Minimum survival budget is $9,021.57. Minimum to survive. Now, the rent goes down when your lease is done, obviously, because you're moving back in. If we are going to be together again. We budgeted like we were together. Mm. Your total Debt position is $91,093. 42. $91,083.42. We're minusing 10,000 from the student loans. We're minusing. What's the car? We're getting rid of the carnival. Think. You're minusing $34,757 because you're getting 10,000 in our car. $46,336,042 of bad debt. I.
Justin
How much? Say that again.
Caleb Hammer
$46,336.42. I am giving you $500 of BS. If that is for better barbers, it is for better barbers. If it's for going out to eat, it is for going out to eat. If it is seeing family, it is seeing family. BS is $500K.
Justin
That's it.
Natalie
Okay.
Justin
500. That's.
Natalie
Us. It's not even a what?
Justin
That's not what.
Caleb Hammer
What do you want?
Justin
That's not what.
Caleb Hammer
What do you want?
Natalie
No, I mean, I'm going to have to deal with it, am I not? I'm just.
Caleb Hammer
That's.
Natalie
That's a raw.
Caleb Hammer
Shut the up gives you an extra $3,200 on a monthly basis.
Justin
You can say a Ross trip.
Natalie
Yeah.
Caleb Hammer
Divorce her with that $3,200 on a monthly basis, you're out of bad debt and 14 which is so beyond worth it. You guys are in a privileged position. If you this up, it's on you and it's all been on you so far. And you need to sit down and be responsible as well. You need to come together and go to couples therapy tomorrow. What is wrong with you guys? Then get a fully funded emergency fund and start catching up on retirement because there wasn't a retirement to save our life. Join us in the post show. We're probably gonna call some more people like the current boyfriend and listen. Oddly enough I already have someone else's Hammer Financial score here but that's not you guys. Let's get the Hammer Financial score Spending in a budget. Well let's see. Yeah, she did not spend more than you make but every. It wasn't going towards that. It was going to. So it's still going to be a 2 out of 10. Spending your budget debt. Well it. This is. I mean you're over the limit. You're a clock. It's as bad as it gets without collections 1 out of 10. Actually the form is probably in collection 0 out of 10 emergency fund. There was nothing in saving 010 retirement nothing 010 real estate nothing 0 out of 10. Ridiculous. Ridiculous. Such an easy fix and you guys won't even do. It's what a joke. Buckle down couples therapy budget 14 months. Then 6 month emergency fund that only takes a few more months to get because you have a lot of money left over and then your debt minimum minimums of payments will be zero. I don't want to. Then you catch up on Retirement Live. 50, 30, 20. I'm done. Click that join button. Guys, join Hammer Elite. Three premium shows posted every single day Monday through Friday including an extra 20 minutes of this show and every other financial audit which is called the Financial Auto post show. Make sure you get your Hammer Financial score@caleb hammer.com. i'll see you in the post show. I'm gonna die.
Natalie
A month before our wedding I get a call and was like hey, I need to have call me. I said what do you want? She sends me a picture of a baby and I'm like are you fucking serious? Then he's like oh no, I never slept with her.
Caleb Hammer
Never slept with your wife?
Natalie
It wasn't his wife, it was another girl.
Justin
I had started talking to this other lady. Yeah, we had sex a couple times but we didn't, you know, I, you know, we didn't have a kid or anything like that.
Natalie
You don't know that.
Justin
Hammer Elite is the best YouTube membership on the platform and I just upgraded it. New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. And that's a promise.
Caleb Hammer
Hey, Ryan Reynolds here wishing you a very happy half off holiday because right.
Justin
Now Mint Mobile is offering you the gift of 50% off unlimited. To be clear, that's half price, not half. The service admit is still premium unlimited wireless for a great price.
Natalie
So that means a half day.
Caleb Hammer
Yep.
Justin
Give it a try@mintmobile.com Switch upfront payment.
Natalie
Of $45 for three month plan equivalent to $15 per month required new customer offer for first three months only. Speed slow after 35 gigabytes of network's busy taxes and fees extra. See mintmobile.com.
Podcast: Financial Audit
Host: Caleb Hammer
Guests: Natalie & Justin (Seattle, WA)
Release Date: December 15, 2025
Theme: Dissecting finances through the lens of a tumultuous divorce, with candid, often chaotic, discussion of money, marriage, open relationships, and personal responsibility.
This episode features Natalie (27) and Justin (29), a soon-to-be-divorced couple from Seattle, thrusting themselves and their messy split into the searing light of Caleb Hammer’s financial review. This is an unusually raw and at times wild conversation about their marriage, parenting, open relationships, and—supposedly—financial habits, with little left off the table. As the drama unfolds, Caleb attempts to peel back the financial disaster layered beneath the collapsing relationship, often veering into relationship therapy as much as money talk.
| Timestamp | Segment/Event | |----------------|---------------------------------------------------------------------| | 01:07–04:50 | Natalie’s walkout, Justin’s “one-track mind”, root problems revealed | | 11:01–16:00 | Post-split logistics: Who has the kids; Natalie's new living setup | | 16:00–41:00 | Open relationship confessions, family drama, wild revelations | | 31:32–54:00 | Income review; job transitions; realization of high income | | 56:54–88:00+ | Deep-dive into debts, expenses, disastrous management | | 48:00–54:00 | Therapy debate; reflection on what needs to change | | 97:13–end | Caleb’s unfiltered financial and moral audit |
This episode is less a sober financial review and more a high-wire tightrope walk across the intersection of personal life chaos and money mismanagement. It’s a wild ride full of uncomfortable laughter, hard truths, and the realization that financial disaster is rarely just about numbers—it’s about dysfunction, denial, and choices, both big and small.
For listeners: If you want a precise, numbers-driven walk-through, this episode is not it. But if you want a no-holds-barred look at a couple airing absolutely everything—finances, sex lives, family feuds, and bad habits—this is one for the books.
Caleb’s Core Message:
Get real. Get help. Stop making excuses. And for god’s sake—stop spending on bullshit while your debts are dragging your family under.