Financial Audit's Messiest Divorce

Summary

Financial Audit – "Financial Audit's Messiest Divorce"

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.

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Episode Overview

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.

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Key Discussion Points & Insights

1. The Walkout & Blame Game (01:07–16:00)

• Natalie recently walked out on Justin, leaving him and their four children after two years of warning that she would leave if he didn't step up with household tasks and finances.
• Natalie’s primary frustration: Justin's lack of engagement with finances or help around the home. She claims to have communicated her needs “over and over.”
• Justin felt the “goalposts kept moving” and didn’t see just how much he was falling short. He describes himself as having a “one-track mind”—focusing on one thing to the detriment of others.
• Notable Quotes:
  • Natalie (02:54): “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...”
  • Caleb (04:50): “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 (09:15): “No, I think it was just me like resenting her cuz... she would treat me like shit if I'm being honest.”

2. Communication Breakdowns & Cycle of Resentment (07:01–22:00)

• Both parties admit to bottling up emotions, which led to frequent blow-ups rather than productive conversations.
• Natalie says she would communicate repeatedly; Justin says it never registered and accuses her of gaslighting/manipulating him.
• Notable Quote:
  • Caleb (07:15): “That is, no offense, the stereotypical woman thing—where it’s like you have the emotions but you don’t communicate it effectively...”

3. Family Logistics Post-Separation (11:01–16:00)

• The split is unconventional: Natalie moved one street over, leaving the kids primarily with Justin (and her mother, who moved in to assist).
• Natalie struggles with the optics of a mom moving out, but claims it would be seen differently “if a man got up and left the house to get his shit together.”
• Caleb challenges her: “There’s a 1-year-old and 2-year-old there.” – Caleb (12:45)

4. Open Relationships, Dating, & Infidelity Accusations (16:00–41:00)

• The couple’s marriage was open for a period, ostensibly by agreement, but imbalance and unspoken resentments persisted.
  • Natalie was actively pursuing other relationships; Justin was not interested or didn’t follow through.
  • Both claim the other was fine with the arrangement, but it becomes clear there was significant miscommunication and discomfort.
• Scandals involving Natalie’s sister (fake phone numbers, dating exes) and a chaotic web of overlapping dating partners leads to further accusations.
• Memorable Moment:
  • Caleb (17:12): “You moved your mother in so you could move out and get to the cheeks slapped a bit more.”
  • Caleb (18:17): “You weren’t plowing.”
  • Natalie (20:22): “I'm straight, I'm direct. And that's why he says I'm mean to him. Because I'm brutally honest.”

5. Financial Review: Income & Spending (31:32–54:00)

• Natalie transitioned jobs, moving from Service Advisor to Auto Body Service Area Manager (boosting income from ~$4K to ~$5K/month).
• Justin works as a cook ($3,400/month) and also receives substantial VA disability ($4,447/month)—a point Caleb repeatedly circles back to, noting the income provides a cosseted financial floor.
• Despite high household income (~$12,800/month with child support), their finances are a disaster due to rampant overspending, chronic late payments, maxed-out credit cards, payday loans, overdraft fees, and more.
• Notable Quotes:
  • Caleb (55:04): “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.”
  • Natalie (70:01): “He does know we had this Mac. No, that's what we were talking.”
  • Justin (72:59): “So how can you come in and bitch and moan?”

6. Debt Details — Full Meltdown (56:54–88:00+)

• Chronic issues:
  • Multiple over-the-limit and/or maxed out credit cards, all with late fees
  • Natalie admits to traveling and using credit for non-essential purchases (vacations, retail, tech, etc.)
  • Spending on subscriptions, eating out, and convenience items is rampant
  • Car loans are upside-down, and both have taken out loans for furniture, electronics, and even an alarm system
  • Natalie received money via social media/cash-app for posting provocative content, but it barely dents their debt
  • Caleb (66:07): “You have a credit score of 476. What the fuck is that? A credit score under 500. You never even hear about that.”
• Emotional reactions run high as Caleb lays bare the real cost of their choices, and both guests alternate between defensiveness, blame-shifting, and laughter.

7. Attempts at Solutions & Reflection (48:00–end)

• Couples therapy:
  • Justin wanted to try but admits to little follow-through; Natalie denies he ever truly facilitated it. Both admit neither is good at communication or follow-through.
• Host’s tough love advice:
  • “You moved your mother in so you could move out and get to the cheeks slapped a bit more...” — Caleb (29:45)
  • “For a household that makes literally $12,800 a month...you've destroyed your kid’s future. You're ruined. You're destroyed.” — Caleb (97:13)
• What now?
  • Caleb urges they create a basic survival budget, sell unnecessary vehicles, slash all nonessential spending, pay off high-interest debt, and, above all, seek professional help—for their finances and their relationship.
  • Gut-check moment: Both put odds of reconciliation at 70%, but only if they “buckle down, couples therapy, budget, 14 months and 6 months emergency fund.”

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Notable Quotes & Memorable Moments

• Caleb (13:29): “You can afford a year lease if you were afraid of him leaving as the income.”
• Caleb (41:20): “Snapchat. That's how you know it's slut behavior.”
• Caleb (55:07): “Minimum survival budget is $9,021.57. Minimum to survive.”
• Natalie (61:20): “I work all the time, so when I get home, work all the time.”
• Caleb (66:07): “You have a credit score of 476. What the fuck is that? A credit score under 500. You never even hear about that.”
• Caleb (79:14): “It all. Yes, Ben. For your wishes, your desires. And then you try to frame this entire conversation as we’re fucked because he won't sit down to look at my mess.”

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Key Timestamps

| 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 |

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Tone & Style Notes

• Candid, combative, darkly comedic: Caleb does not sugarcoat, openly calling out both parties for hypocrisy, irresponsibility, and willful ignorance—not just about finances, but also about their relationship choices.
• Very explicit: NSFW language and sexual content throughout ("slut", "getting railed", etc.).
• Relatable but raw and often abrasive: The hosts’ exasperation is balanced with a kind of tough-love, shock-jock humor meant to provoke change.

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Final Thoughts

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.

Transcript

[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]

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[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 [e-mail] TradeSmart Someone let's be real.

[Caleb Hammer]

Your debt isn't going anywhere. Every month you're getting crushed by interest, 22%, 27%, even 30% APR and you're sitting there making minimum payments like that's actually fixing anything. It's not. You're literally paying banks to stay broke. But here's the thing. There are ways out of this mess. And BDS debt has helped hundreds of thousands of people actually deal with it instead of pretending it'll magically disappear. And whether it's credit card debt you racked up on stupid purchases, personal loans, collections or medical bills, PDS Debt has customized options to help you get out of your specific scenario. And the best part is, there's no minimum credit score required. Because let's be honest, if your credit was perfect, you probably wouldn't be in this position. PDS Debt is here to help you save more, pay off debt faster, and stop hemorrhaging money to interest payments. And to top it off, PDS debt is A plus rated by the Better Business Bureau with thousands of five star reviews on Google and a five star rating on trustpilot. This isn't a loan shark in sheep's clothing. Bottom line, every single month you're throwing away more money on interest and fees. And if I was drowning in debt right now, this is exactly what I'd use to get out of it. You're just 30 seconds away from being debt free. Get your free assessment and find the best option for you right now@PDS debt.com sl hammer that is PDS debt.com/hammer PDS debt.com/hammer It's a win win. You get money and I get money. These are called affiliates and you get that sweet Sweet. Cash for signing up for some amazing products. The first one is Chime. This is a checking account that I personally use. And you get up to a $350 bonus with a new Chime checking account and earn up to 3.5% APY on your savings. And second, my investing app of choice these days is Webull. And get a 2% match of your money that you transfer over. And finally sign up for automated investing with acorns. Typically the sign up bonus is only 5 bucks, but with my link you get $20, ladies and gents. You get money, I get money. Enjoy. Links are in the description below.

[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 [e-mail] 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]

This message may be shocking to many millennials. If you are one, you might want to sit down right now. Loads of people are searching the following on Depop. Low rise jeans, halter top, velour tracksuit, puka shell necklace, disc belt. You likely place these in the dark of your closet in 2004, never to be seen again. But if you can find it in yourself to dust them off, there are a lot of people who will give you money for them. Sell on Depop where taste recognizes taste.

[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]

Toast the holidays in a new way and raise a glass of Rumchata, a delicious creamy blend of horchata with rum. Enjoy it over ice or in your coffee. Rumchata. Your holiday cocktails just got sweeter. Tap or click the banner for more. Drink responsibly. Caribbean rum with real dairy cream, natural and artificial flavors. Alcohol 13.75% by volume 27.5 proof. Copyright 2025. Agave Loco Brands, Powaukee, Wisconsin.

[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 [e-mail] 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.