Financial Audit's Most Abusive Couple

Summary

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Financial Audit, Caleb Hammer

Episode: "Financial Audit's Most Abusive Couple" (June 19, 2026)

Episode Overview

This episode features one of the most volatile and combative couples yet on Financial Audit: Todd (29) and Sophia (25), an unmarried couple living in Austin, Texas with entangled finances, relationship struggles, and poor financial habits. Host Caleb Hammer explores their dysfunctional dynamic, Sophia's unemployment and selectivity with job searching, Todd's support of her (financially and otherwise), issues of mutual incompatibility, reliance on fast food, obesity, and a troubling history that includes both financial and emotional/physical conflict.

The conversation reveals stark honesty, relentless roasting, and disturbing admissions about their relationship, blending dark humor with real financial assessment. Hammer probes both finances and relationship issues, exposing toxic enabling, lack of boundaries, and extreme codependence.

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Key Discussion Points & Insights

1. Relationship Background & Dynamic

(00:34, 09:44, 26:22, 43:00, 51:01, 56:01)

• Todd and Sophia have been together for six years but are unmarried.
• Family members do not support the relationship; Sophia’s family believes Todd is controlling and verbally abusive (74:14), while Todd’s family disapproves of Sophia due to drugging-related incident (79:09).
• Both admit they are not originally each other's physical "type."
  • Sophia: "I mean, I'm attracted to him now. Not at first, but I had to learn to love him." (27:31)
  • Todd: "[I'm] working through it with her." (27:38)
• Todd has at times set "requirements" for marriage: Sophia must get out of debt and lose significant weight (11:02).
• Both enable each other's bad habits and have a history of physical and emotional altercations, including a physical incident early in the relationship (76:16).

Memorable Quote:

• Todd: “I guess I have no spine ... I think she’s banking on me going back on my agreements, as I’ve done with other things.” (26:24)

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2. Employment and Income Situation

(01:42, 03:10, 08:15, 14:32, 29:03, 33:28, 35:41, 44:24, 87:01, 97:24)

• Todd works as a “lead associate” at a manufacturing company, earning about $4,400/month (43 hours/week at $35.19/hr).
• Sophia is currently unemployed after getting fired from an IT help desk job (~2 months ago). She attributes this to excessive sick days and lateness, which she disputes.
• Sophia is picky about job applications, focusing only on government or remote jobs, applying to, at most, a handful every week.
  • Hammer scolds her: “You need to go make money now.” (08:39)
• Sophia supplements her income minimally by cleaning for Todd’s family ($80/week), barely covering her own expenses and requiring Todd to spot her remaining bills.
• Caleb attacks her for not being willing to do temporary or supplemental work (fast food, etc.) in the meantime.

Memorable Exchange:

• Caleb: “Why aren’t you going to work in McDonald’s to get supplemental income?” (07:49)
• Sophia: “I want to make sure I get a job that’s in my field so I can continue my career.” (08:10)

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3. Financial Management & Spending Habits

(29:04, 36:03, 44:52, 56:13, 63:02, 65:49, 89:21, 97:41)

• Todd refuses to merge finances until marriage. Sophia previously paid $300/month to Todd for living expenses, but stopped contributing before being fired.
• Sophia has lent money to friends ($600+), has not been repaid, and is now asking Todd for help to cover her own bills.
• The couple routinely overspends, especially on fast food and dining out—at times, $1,000/month.
  • Caleb: “A thousand dollars going out to eat!” (35:48)
• Sophia claims to meal prep and restrict calories, but bank/credit statements show frequent fast food/restaurant charges.
• Sophia’s gas and personal spending remains high despite unemployment.
• Todd is relatively frugal and manages to maintain some savings, but his finances are suffering due to supporting Sophia.
• Both fail to stick to a strict budget, with Sophia largely responsible for household overspending.

Notable Roast:

• Caleb: “You’re not a trad wife. Trad wives don’t work — but they don’t spend a thousand bucks a month going out to eat, either.” (39:34)

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4. Debt and Assets

(10:01, 45:51, 63:59, 72:07, 83:19, 86:16)

• Sophia owes substantial student loans ($45,000–$60,000), a $15,000 car loan at 8.1% interest, owes Todd’s grandfather $2,000, and has a balance accruing on Todd’s credit card.
• Todd owns their home (with a $218,000 mortgage at 7%), and maintains some savings ($5,000+), but dangerously high housing costs relative to his income (about 50%).
• Sophia’s car is worth roughly what she owes; Todd makes some extra principal mortgage payments, which Hammer calls financially unsound in their situation.
• The household is hundreds of dollars “negative” every month unless Sophia finds work.

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5. Obesity, Health, and Enabling

(11:54, 14:32, 23:01, 49:55, 62:33, 69:08)

• A significant portion is devoted to Sophia’s weight: class 4 obese (BMI > 50; >280 lbs at 5'2").
• Todd has made her losing weight a requirement for marriage; Sophia claims to have lost 35 lbs, which Hammer dismisses as “water weight” at her size.
• Arguments ensue about food intake, diet, weight-loss medications, working out, and health risks.
• Sophia demonstrates disordered eating: bingeing, restrictive periods, emotional triggers associated with food.
• Hammer points out contradictions between her claims and evidence from statements (continuous purchases of high-calorie foods/soda).
• Sophia’s blood pressure reading is elevated (155/76); she claims it’s due to “nerves.” (63:02)
• Hammer repeatedly says these patterns are self-destructive both for health and finances.

Memorable Roast:

• Caleb: “Thousand dollars going out to eat, I eat a couple protein nuggets every day. ... Fat woman salad.” (35:48; 20:25)
• Hammer: “Just diet, actually. Diet…lady.” (17:56)
• Sophia: “When you’re this big, you have to have thick skin.” (66:20)

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6. Relationship Toxicity & Abusive Behaviors

(26:22, 74:14, 75:52, 77:16, 79:09)

• Sophia: “My family thinks that he’s too verbally abusive and controlling.” (74:14)
• Sophia admits Todd sometimes yells when frustrated; both recall early-relationship physical incidents, including slapping and leaving bruises during rough play or fights.
• Todd admits not respecting physical boundaries early on, but claims he stops now.
• Sophia put a substance in Todd’s drink once to increase his libido, which turned into a family scandal.
• Both acknowledge manipulation, codependence, and vaguely abusive elements but emphasize “improvement” and couples therapy.
• Hammer’s assessment: “You’re financially abusive, manipulative, and just, like, not a good partner.” (53:29)

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7. Caleb Hammer Roasts, Memorable Quotes & Unique Moments

(Throughout episode; key at 12:19, 14:52, 21:07, 35:41, 51:12, 66:24, 84:08, 93:09, 97:09)

• “Your skin is thick.”
  Sophia: “When you’re this big, you have to have thick skin.” (66:20)
• “You’re a leech and a liar and lazy.” (40:46)
• “You’re not a trad wife, you’re just a gold digger.” (44:48)
• “You pathetic. Both of you. Evil... And you [Todd] are a pussy.” (50:16)
• Todd: “Todd the cuck.” (45:46)
• “She will not catch you. Run.” (45:35)
• Sophia: “Grow backbone.” (50:48)
• “Both of you just keep each other. It’s kinda crazy. She said ‘no,’ you kept going, and you dropping them drugs…” (81:11)
• “That shows that relationships desperate enough can survive anything.” (93:30)
• “If you don’t want to be like a guest who ends up on this show... Make sure you use the DollarWise budgeting app.” (54:45)
• “You guys are behind by like $500 a month... Go get a job. Any job. I don’t care.” (97:41)

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Key Timestamps for Important Segments

• 00:34 — Discussion of families not supporting the relationship.
• 01:42 — Employment/income details for both.
• 11:54 — Marriage conditions: debt and weight loss.
• 14:52 — Extended discussion on Sophia’s obesity and health interventions.
• 26:22 — Todd admits to continually relaxing boundaries he once set with Sophia.
• 33:28 — Sophia’s job application process: being “hyper picky.”
• 35:41 — Hammer demands Todd stop “enabling” Sophia.
• 45:35 — Caleb: “Run. She will not catch you. Run.”
• 51:01 — Discussion of emotional dynamic: Todd’s affection based on Sophia’s daily weight.
• 56:01 — Hammer interrogates their unhealthy relationship cycle.
• 62:33 — Sophia’s blood pressure reading (155/76, hypertension).
• 69:08 — Soda caloric math exposes disconnect in Sophia’s diet claims.
• 74:14 — Sophia details her family’s perception of Todd as controlling and abusive.
• 76:16 — Sophia recounts a physical altercation: “There was one time that you did hit me—that wasn’t fun.”
• 79:09 — Todd reveals Sophia once dosed his drink, causing family scandal.
• 93:09 — Financial summary and hammering Sophia for spending.
• 97:09 — Final budget analysis: household is perpetually behind, urgent need for Sophia to work.

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Summary Assessment

Through relentless questioning, roast humor, and real-time budget analysis, Caleb systematically exposes the couple’s dysfunction, both financially and relationally. The episode serves as a textbook case of codependency, enabler-abuser dynamics, and lack of financial self-awareness. Sophia’s chronic unemployment, selectivity, and disregard for household contribution combine with Todd’s passivity and enabling attitude to form a recipe for mutual misery, both fiscal and emotional.

Hammer presses both until they admit the truth: their household is insolvent, their relationship is unhealthy, and both need radical action. The message is clear—financial stability and healthy relationships both require real boundaries, honest self-assessment, and much more effort than either Todd or Sophia are currently offering.

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Host's Final Word: If you find yourself in a situation like Todd and Sophia’s, stop rationalizing, stop enabling, and start making changes—financially, emotionally, and relationally.

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Transcript

[Caleb Hammer]

I'm not giving up. I am selling the building. The final season of FX is the Bear.

[Sophia]

The restaurant is flooded.

[Caleb Hammer]

Everything's either gonna be okay. No, stop.

[Todd]

Or not.

[Caleb Hammer]

We are outgunned and we are outmanned. But we have each other. FX's the bear, the final season, all episodes now streaming on Disney. To watch episodes of Financial Audit a week earlier, check us out on YouTube. I know that your families do not support this relationship.

[Sophia]

My family thinks that he's too verbally abusive and controlling the is he doing. Whenever I was like, it's too much like, you need to chill out and everything. And he just kept going.

[Todd]

She'd tell me to stop, and I would stop.

[Sophia]

No, you did not. There were three times that you did.

[Caleb Hammer]

Not doing what?

[Todd]

Well, just sexual stuff.

[Caleb Hammer]

And you didn't.

[Sophia]

There was one time that you did hit me that wasn't fun.

[Caleb Hammer]

I just launched the brand new Hammer Elite app, available on every major platform. To celebrate the app launch, I'm offering 30 off the annual plan in the month of June only. Plus, I have an exclusive offer just for you. But I'll only have a thousand available to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join, and that's a promise.

[Todd]

Hi, I'm Todd. I'm 29 years old.

[Sophia]

I'm Sophia and I'm 25 years old. And we live in Austin, Texas.

[Todd]

And this is financial audit.

[Caleb Hammer]

Hey, thanks for coming on, guys. All right, Todd, what do you do here in Austin for a living?

[Todd]

I'm a lead associate for a manufacturing company.

[Caleb Hammer]

Associate?

[Todd]

Yeah, yeah, absolutely.

[Caleb Hammer]

I lead to associate. That does not make sense. Associate is usually you're on the lower, but. Okay, what do you make?

[Todd]

Well, I just lead a bunch of little lower pawns.

[Caleb Hammer]

Lower associates?

[Todd]

Yes, yes, exactly. Got a couple of people under me. Pawns. I would probably be more like a. A bigger pawn. Not quite a knight or a bishop, but very good. I'd say I probably make about 35 an hour.

[Caleb Hammer]

Okay, well, you would say you make 30. Do you make 35 an hour?

[Todd]

Okay, exactly. I'd make about 35 19. Hour. Yeah.

[Caleb Hammer]

Or 35 19.

[Todd]

I haven't checked it in a minute, but 35 19.

[Caleb Hammer]

You don't know your wage?

[Todd]

No, no, I don't keep track of it that often, no.

[Caleb Hammer]

How many hours a week do you work right now?

[Todd]

We're averaging about. We are 43 hours.

[Caleb Hammer]

We're.

[Todd]

I just say that me, I average 43 a week.

[Caleb Hammer]

Okay, very good. And what hits your account per paycheck cycle. And what is that paycheck cycle?

[Todd]

Right now we're looking at 2200 paycheck, which is every. Every two weeks.

[Caleb Hammer]

Okay. 44. Not bad. You got a lot of groceries to get, Sophia. Speaking of those, what do you do for a living?

[Sophia]

I'm currently unemployed.

[Caleb Hammer]

What the. Okay, that 44 was going to be really nice to add into a collection of income.

[Sophia]

I agree. Yeah.

[Caleb Hammer]

How are you working, girl?

[Sophia]

I got let go from a really shitty job. Like, honestly, a really shitty job. That.

[Caleb Hammer]

What was the job?

[Sophia]

I was a IT help desk person. And then also for like a little bit had a. Had a dual job thing.

[Caleb Hammer]

Yeah, nobody likes help desking. That shit sucks. I've helped with some of that stuff before. It was horrible. I hated it.

[Sophia]

Unfortunately, it's the first step in what my degree actually is.

[Caleb Hammer]

So which is it?

[Sophia]

Yeah. Information systems with a minor in business administration.

[Caleb Hammer]

Okay. Yeah. I mean, that's where you got to start, so you got to grind it out. But you got fired. What'd you get fired?

[Sophia]

What they told me was because I was late and I had too many doctor's appointments and that I wasn't well.

[Caleb Hammer]

Do you.

[Sophia]

I was. No.

[Caleb Hammer]

Okay.

[Todd]

Almost every week.

[Sophia]

No.

[Caleb Hammer]

No, you don't.

[Todd]

Well, since the start of the year. Yes. I put it on my insurance and the start of the year.

[Caleb Hammer]

Those premiums must be crazy.

[Todd]

It did jump significantly. I think before her, I was paying six, seven bucks a month. And then when I added her at the start of the year, it jumped up to 45.

[Sophia]

Okay, but be for real. You did not pay attention to, like, the different insurance options you had, and you were paying out of your ass for, like, the stupidest, lowest insurance, where you had to pay the most upfront. Like, when you go. You had to pay the most there. Instead of paying. I co.

[Caleb Hammer]

Pays low monthly. Yeah.

[Sophia]

Okay, so our copay is now lower because we don't have to pay as much up front. And then insurance gets more taken out for him.

[Todd]

I went to the doctor, like, what's your deductible?

[Sophia]

The deductible is 3,500 per person and 7.

[Caleb Hammer]

And if you're going once a week, you're going to catch that pretty damn quick.

[Sophia]

Yeah.

[Caleb Hammer]

What is she going once a week for?

[Todd]

It went all over the place. She signed us up for everything. She went to vision for what other ones.

[Caleb Hammer]

Oh, so you got health insurance for the first time, so yeah. Yeah, that's not bad.

[Sophia]

And then I.

[Caleb Hammer]

If she's just going for the first time in years, that's not a bad thing. I thought you meant she was going

[Todd]

every month for the doc. Her job doesn't see it that way.

[Sophia]

Yeah, well, of course not.

[Caleb Hammer]

That is fair.

[Sophia]

They told me multiple times you get

[Caleb Hammer]

approval by your manager.

[Sophia]

Yes, I did. I even have the signed paperwork of it. And then sometimes maybe you weren't good

[Caleb Hammer]

at help desking because it's very weird to just fire people for made up reasons. Unless they were trying to cut people

[Sophia]

to get severance so that. Okay. No, no, because it was like nine people in the company total. They didn't even have like workers comp. No. So the thing was, is what they told me was that. That I was late and that I wasn't good enough at my job for being there for a year. Which is completely fair.

[Caleb Hammer]

That might be fair. That's a good reason to fire someone for them.

[Sophia]

Yeah, but the actual reason, actually fire

[Caleb Hammer]

someone if they're not as good as they should be within a year because then they'll replace you with someone who will be as good as they should be within a year.

[Sophia]

Then maybe not get someone who's fresh out of college. And I very clearly told them I'm fresh out of college.

[Caleb Hammer]

What do you mean? Well, people from fresh out of college grind like crazy. What do you mean?

[Sophia]

I did grind. I have a 3.6.

[Caleb Hammer]

Clearly not according to that.

[Sophia]

From college.

[Caleb Hammer]

Oh, from college. No one gives a about your grade in college, dude. Literally.

[Sophia]

People do. Actually.

[Todd]

No.

[Caleb Hammer]

Actually, nobody does now because unfortunately in college the statistics were getting around it in terms of average GPAs are all beyond inflated now because they're just. Yes. Across the board. Because we're babying everyone. That just happened over the past 10 years. It's crazy.

[Sophia]

There's only like three people that got at least cum laude college, okay. TLU, Texas Lutheran University, which is pretty shit, but still. I worked my ass off for that. I tried actually really hard and got it.

[Caleb Hammer]

Okay, well, I still don't care about how you did in college. That's not the point. I'm talking about. I'm talking about people grind when they get out of school in their first job. I don't care if you grind it in college.

[Sophia]

I did grind. Like really? I'm not gonna go there. That was kind of bad. Anyway, doesn't matter. So I did. And the guy I had to share an office with, one specific dude who Was just awful at times, but.

[Caleb Hammer]

So everyone's bad but you. Okay, got it.

[Sophia]

Oh, no, no, no. Like there's things. Granted, I did rely on him a lot. Cause I was like, hey, I don't know how to do this. I don't have confidence in making sure.

[Caleb Hammer]

How long have you been fired? When were you fired?

[Todd]

March, two months ago.

[Sophia]

Yeah.

[Caleb Hammer]

Okay.

[Todd]

Okay.

[Caleb Hammer]

You should be ending up with a job here. Pretty.

[Sophia]

Yeah, that's the mean.

[Caleb Hammer]

Hopefully.

[Sophia]

I mean, I've been putting in job applications like.

[Caleb Hammer]

Okay. But with a good resume with. They're actually targeted towards the place.

[Sophia]

Yeah.

[Caleb Hammer]

And making it look like you want to be there for a while and not just get into the field of your choice. Okay. Why aren't you going to work in McDonald's to get supplemental income.

[Sophia]

You know what's crazy?

[Caleb Hammer]

Is it because let's.4400 in Austin is kind of rough.

[Sophia]

It is rough, but I.

[Caleb Hammer]

So you need to go make some money while you're looking for that better job.

[Sophia]

The other thing too is like I

[Caleb Hammer]

see the hiring signs everywhere.

[Sophia]

I know, but I wanna make sure I get a job that's in my field so I can continue my career. Right.

[Caleb Hammer]

Dude, just don't put it on your resume.

[Sophia]

The job. Well, yeah, there you go.

[Caleb Hammer]

It's your job. Resumes are basically just made up anyway at this point. It's just like you need to go make money right now. And you might be a supply risk for those places. Yes, I get it. But the thing is you do need to more money now.

[Sophia]

I also want to like make sure that I can get it.

[Caleb Hammer]

Want. I don't care about want.

[Sophia]

Well, I do.

[Caleb Hammer]

You need to make money. You want.

[Sophia]

I don't give a. I mean I have a way of making money coming in.

[Caleb Hammer]

What's that?

[Todd]

It's not enough money. Let's not do that.

[Caleb Hammer]

Oh, let's do it for a second. What is it?

[Sophia]

I clean his.

[Todd]

She's volunteered to do cleaning up. My family's some close families. And it's not really enough. It's created some friction there. Oh. Because she gets barely enough to pay her bills and even on that that's not enough. So I pay for her gas to

[Sophia]

do the job and my medical.

[Caleb Hammer]

Where do you apply? Indeed.

[Sophia]

LinkedIn USAjobs.gov because I want to have a government job and a remote job.

[Caleb Hammer]

So she's being hyper picky. Oh, remote job. So she's being beyond hyper picky. She's not going to just make it.

[Sophia]

I'm going to job fairs. I'm Doing indeed. I'm doing this job.

[Caleb Hammer]

Why you want to work in though? Eventually I will. But right now, go get any IT job, private sector, I don't give a. But the thing is. And then you aim to get hired, you don't get to. Right. Are you guys married?

[Sophia]

No.

[Todd]

No.

[Caleb Hammer]

So you supporting her and you're not even married? How long have we been dating?

[Sophia]

June will be six years.

[Todd]

Six years.

[Caleb Hammer]

Oh, are you gonna get married?

[Sophia]

That's a great question.

[Todd]

Yes. Yes, that's a great question. We have things in our relationship we're working on, things I've made very clear.

[Caleb Hammer]

What have you made clear?

[Todd]

My friend.

[Caleb Hammer]

My friend Todd.

[Todd]

So originally, when we started the relationship, I told her that I'm not going to get married to somebody who has a bunch of debt coming out. Coming out of school, she had a bunch of college debt. She bought a brand new car.

[Caleb Hammer]

College debt's a little less. Oh, okay.

[Sophia]

Well, I had to buy a car for one.

[Caleb Hammer]

Not a brand new car.

[Sophia]

No, I did not buy brand new. I bought used. Yeah, that's because he doesn't know he's talking about.

[Todd]

It's basically brand new.

[Sophia]

Just because it's fancy, doesn't. Brand new.

[Todd]

Okay, not 20, 26 or whatever, but it's like a 2060.

[Caleb Hammer]

That's a fair point though. The debt. I get that now.

[Sophia]

What else? Go ahead, say it.

[Caleb Hammer]

Oh, what?

[Sophia]

Say it. No balls. Do it.

[Todd]

That's crazy that you're going to make me say this. I told her that I have issues with her weight and that I want her to.

[Caleb Hammer]

Well, no shit. She can't ride you.

[Sophia]

That's not true.

[Caleb Hammer]

But with him surviving.

[Sophia]

Oh, okay, that's still not true because that's one of the things he likes. So. Yeah, thanks, that's cool.

[Todd]

But hey, this was clear boundaries that we set at the start that I've been working on her with and even with the dead.

[Caleb Hammer]

So six years ago you said, don't

[Sophia]

be fat six years ago.

[Caleb Hammer]

No, wait, I'm sorry, can I. May I just ask for a second, if you don't want to be with the fatty, why did you get with the fatty?

[Sophia]

No, it's a great question.

[Todd]

I enjoyed having the conversation with her and I've built an emotional connection with her and everybody seems to hate on me for saying that. So I'm just not trying to. Not you, but other people, if.

[Caleb Hammer]

No, I mean, I am hating you on it. But the thing is, if your entire thing is I'm not marrying you until you lose weight, why get with someone who Is definitely not losing weight.

[Todd]

Probably because I believe that people can change. And despite everybody telling me that people don't change.

[Caleb Hammer]

Someone who may not want to, like,

[Sophia]

this is like, I do want to.

[Todd]

She tells me she wants to, so I, I hold her to that.

[Caleb Hammer]

I will say this. Did the math before we filmed. You're class four obese. Never had class four obese before. That's an intense obesity. That's an intense. That's, that's, that's a mega obesity. A BMI of over 50. She's over 50 BMI. So if you want to lose weight, I don't think we need to be 50 BMI. Listen, I get it when you're.

[Sophia]

I'm losing weight, actually.

[Caleb Hammer]

Weren't you class five?

[Sophia]

I was. I'm pretty sure I was.

[Caleb Hammer]

How much have you lost?

[Sophia]

35 pounds.

[Caleb Hammer]

Hey, hey, I'm sorry, but I've seen my 600 pound life.

[Sophia]

I'm nowhere near that.

[Caleb Hammer]

35 pounds is water weight of a week's diet.

[Sophia]

No, no, girl, I'm actually keeping this off.

[Caleb Hammer]

BMI of 50, girl.

[Sophia]

It's also. You don't know my muscle mass.

[Caleb Hammer]

Okay, fine. 35 of how long?

[Sophia]

I started in January.

[Caleb Hammer]

Girl, that size doesn't just lose 35 pound. That's just like, that's. Listen, it would be. So 35 would be big for me and anyone else in this room. 35. I'm just, I'm sorry. It's like, do you have a target weight that she has to hit to marry her? Have you like laid it out or like, what is the criteria?

[Todd]

We talked, we set some targets, but at this point she disagreed with it. So I'm just.

[Sophia]

That's not true.

[Caleb Hammer]

What was the target?

[Todd]

So originally I had told her roughly around the range of like 170. Um, I'm planning on putting on myself far away. Yeah, so they're almost. She said she would never get that size, so I've kind of compromised with her and I'm just looking for improvement.

[Sophia]

I never. I did not say I would never get that size. My goal is 141.

[Caleb Hammer]

Yeah, that's a good goal.

[Sophia]

I mean, I want to be 140 because we supposedly are planning on having kids later. Yeah, that's.

[Caleb Hammer]

Obesity is one of the. Makes it very difficult sometimes.

[Sophia]

So typically you gain about 20 to 22 pounds per child pregnancy. So if I have only two, then that puts me at like.

[Caleb Hammer]

Okay, that's weird. You're mapping out the.

[Sophia]

I am mapping it out.

[Caleb Hammer]

Listen, I am aligned with you. Like when you need to build up

[Sophia]

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[Caleb Hammer]

Cut in the jokes for a second. I'm aligned with you. That's a good goal to have to lose weight because that's healthy and that's good. Okay. And I understand wanting your partner to lose weight because you want them to have energy, you want to have kids, you want to live a longer life because you're going to die within like five years maybe. Okay, more like 10. But even still, all of my family, you will find some rare instances, but it is very rare to see someone your size to 50.

[Sophia]

That. Yeah, that's fair.

[Caleb Hammer]

But I'm congratulating you. I am saying I agree with you. That is a good goal. But I have to have real talk as well. Someone at basically 300 pounds class 4 obese BMI of over 50, 35 pounds in 5 months at that size is practically water away. That's like, it's. That would be like losing five pounds for me. Which is. I can do that in a couple of weeks. Yes, it is.

[Sophia]

So okay. So part of the doctor's visits that I have and like why it's so much is I'm on the weight loss medication as well as working only 35 after the GLPs. Yeah. So that. Okay, hold on. So I started on these on the shots. The injectables lost a decent amount at first. The doctor was like, okay, you need to stay between this much of losing on the shots before. Like don't lose more than this because then if you do, then you won't actually keep it off. So I got super sick for a while. Cause of the shots. Cause she kept moving me up really fast. Changed to the tablets now. Cause when you. I was up at like level three of the injectables, the tablets that you have to start back at one. So now it's like paused. But the tablets, supposedly you lose more weight long term with than the shots.

[Caleb Hammer]

The shots are. Why not just diet?

[Sophia]

Because I actually don't.

[Caleb Hammer]

Because you can do all much.

[Todd]

Huh?

[Caleb Hammer]

No, shut the up.

[Todd]

You know he's gonna look at the finances and say we're eating a lot of fast food. Okay. We do eat a lot of fast food.

[Caleb Hammer]

Unless you have the most rare. Rare, rare, rare, rare, rare, Rare. Of which. Tell me what it is. Yeah, Don't. Girl, you just eat 300. 300 pounds 5 foot 2.

[Sophia]

No.

[Caleb Hammer]

300 pounds, 5 foot 2? Yes. You're 280.

[Sophia]

Now that I eat all the time,

[Caleb Hammer]

you have to be eating minimum 3. 3500 calories daily.

[Sophia]

Nope.

[Caleb Hammer]

There's no way mathematically, this does not work. Biology does not work.

[Sophia]

Maybe whenever I was in college, I was eating more, but also I was on birth control, which really does give a lot of.

[Caleb Hammer]

Okay. Every woman I've been with has on birth control. Just saying. Because I won't be with them without it sexually.

[Sophia]

Well, yeah, that was him, too, for a while.

[Caleb Hammer]

Just sexually. I mean, until I'm ready to have a kid.

[Todd]

Right. Yeah. No, that's. No shame in that. I don't mind that. I think it's probably just a lack

[Caleb Hammer]

of activity in her life. Yeah. You're sedentary. I mean, you tried to make the excuse that your doctor told you to not work out more than 50. He's on the.

[Sophia]

I did. Yeah. It's true. He did. Bullshit.

[Caleb Hammer]

He's on the same exact shot as you, Brandon. And he said that's a complete lie.

[Sophia]

I'm not on the shot anymore, though.

[Caleb Hammer]

And he told you to still. Only you can't work out more than 50 minutes a week.

[Sophia]

Yeah, which I thought was weird, too, but I don't listen to that. I think it's stupid to only do that.

[Caleb Hammer]

Is your doctor class 4 obese?

[Sophia]

No, she wanted me to actually just do the surgery and get that. And I was like, I'm not gonna do enough surgery when I can't.

[Caleb Hammer]

Well, you can do the surgery, too, but unless you, like, make sure.

[Sophia]

I don't want to. I've heard too many horror stories about doing the surgery first or in general.

[Caleb Hammer]

Okay, okay, okay. So.

[Sophia]

So instead, I'd rather do the tablets or shots or whatever to help support it and continue to work out.

[Caleb Hammer]

Just diet, actually. Diet. Maybe you don't eat a lot, but what you're eating is incredibly unhealthy. You know, I wouldn't be full all day after two slices of cheesecake from Cheesecake Factory, but that would be my entire caloric amount for the day, so it's also.

[Sophia]

I don't eat that.

[Caleb Hammer]

That wasn't the point I was making you. It's clearly the kind. What is she eating? You're there.

[Todd]

Ish.

[Caleb Hammer]

Kind of chicken nuggets. You actually work chicken nuggets are fried?

[Sophia]

Uh, no.

[Caleb Hammer]

Well, no, chicken nuggets aren't fried. What are you talking about?

[Sophia]

They're protein nuggets for one. They're the real good chicken nuggets for one.

[Caleb Hammer]

What are they? Fried?

[Sophia]

They're in the air fryer. With no spray or anything? No, they're like no breading.

[Todd]

I'm pretty sure they're pre cooked. That you just heat up or something like that.

[Caleb Hammer]

All nuggets are protein nuggets. They're the same amount of chicken.

[Sophia]

They're the real good ones. So they're like the 20. Yeah. That's cool. They're the 20 grams of protein ones.

[Todd]

Okay.

[Caleb Hammer]

If you're a little bigger chicken.

[Sophia]

If you compare. No, it's. They put protein in the breading or something because if you compare them to them, they're not the same woman you're eating.

[Caleb Hammer]

Fried.

[Sophia]

They're not fried. They're baked.

[Caleb Hammer]

They're air fried. But it's still the breading and everything. It's still the breading. They are not healthy.

[Sophia]

Okay. And what he also did.

[Caleb Hammer]

She only eats nuggets.

[Sophia]

No.

[Caleb Hammer]

This isn't supposed to be a conversation, but if that's the only way he's not marrying you.

[Sophia]

That's one of it.

[Todd]

So with the change of my job, she's been cooking more better meals for dinner. Like this week, for example, we've had sloppy joes and sketti's not healthy. I would say sketti is pretty healthy.

[Caleb Hammer]

Spaghetti. Spaghetti.

[Todd]

Yes. Okay. Spaghetti, Spaghetti. This is carbs, meats.

[Sophia]

Okay. What did we have with the spaghetti? And what did I primarily eat compared to the spaghetti? Huh?

[Caleb Hammer]

Also, what are you eating when you're not there? That's impossible. It's impossible. Is there something I do not know?

[Sophia]

Again, I.

[Caleb Hammer]

What's the brand of chicken nuggets you're eating Real good.

[Sophia]

That's literally the name of them. They're at atv, my favorite place.

[Todd]

And green bag.

[Caleb Hammer]

I know it is white bag.

[Sophia]

Well, for groceries at least they're orange and white.

[Todd]

Yeah, that's what I said. I corrected myself.

[Caleb Hammer]

Oh, okay. And how many do you eat? How many does she eat? I don't trust her.

[Todd]

She eats that for lunches when I'm at work, so I couldn't tell you.

[Sophia]

It's sick.

[Caleb Hammer]

No, you did not just eat. Just six.

[Sophia]

I do a salad with.

[Caleb Hammer]

Oh, have you seen a fat people salad?

[Sophia]

Okay.

[Caleb Hammer]

What dressing you putting on that shit?

[Sophia]

I make my own ranch. Oh, light mayo and mutopia. Milk so I can get protein in there as well.

[Todd]

I think her salads are pretty good. I don't really eat them, I don't eat salads, but they look pretty good for me, I'd say health wise at least.

[Caleb Hammer]

How many nugs are in each container?

[Sophia]

In each container?

[Todd]

What do you mean bag in a bag?

[Sophia]

I have no idea.

[Caleb Hammer]

Visualize it.

[Sophia]

I don't know. I mean I usually eat six per time I make it and I think I get like five or six servings out of it.

[Caleb Hammer]

That's not possible. She is not only eating 180 calories for lunch. That is impossible. That is, that's mathematically impossible.

[Sophia]

I told you I changed how I. How I've been eating a lot.

[Caleb Hammer]

Sound like every guest on my 600 pound life. You really do. They all like, I'm dieting, I'm doing, I'm doing. And then they don't lose weight. Okay, so that's one of your rules. Sounds like that rule is not going to be met.

[Sophia]

It sounds like it will be because I'm getting tired of the way that I look and I've told him that I don't want him to propose and I don't want to do get married.

[Caleb Hammer]

You probably have a food addiction of some kind, right? Like I do too. I mean, I get it.

[Sophia]

I. Yeah, I used to whenever I get really depressed, okay. So when I get really depressed, then I will eat.

[Caleb Hammer]

But usually it's spiraling like. Cause then you're fat, so you're depressed.

[Sophia]

When you're depressed is. I tend to like not eat a single thing for about seven days and then I'll binge for like three is what I used to do. Used to do, yeah. So used to do. Because with the beginning of this year and getting on his insurance, I started taking care of like no, I'm fat, I'm fat, I get it.

[Caleb Hammer]

But guess what? It's cause I calorically ate more than I burn on a daily basis. And I'll admit it, you can too.

[Sophia]

I used to. Not anymore. Whoa.

[Todd]

I'd say for the last month or two when she's been on the medicine, I notice at least she never finishes off.

[Caleb Hammer]

She's off. She's off medicine.

[Sophia]

She's not off the medicine.

[Caleb Hammer]

She told me I'm on the tablet.

[Todd]

Not the shot it's supposed to be.

[Sophia]

It's not the shot anymore because when I was on the shot I was like physically sick forever for days. And I lost ten pounds in less than two and a half weeks, I think. And the doctor for your size.

[Caleb Hammer]

That's not.

[Sophia]

She was like, that's not good. You can't be doing that. There's a lot. Okay, so I'm trying to get a new doctor in general. Cause I don't like this doctor.

[Caleb Hammer]

No, she's here.

[Sophia]

Yeah, there's a lot wrong, but yeah, but no, in terms of like depression and stuff. I recently was going to like a psychiatrist.

[Caleb Hammer]

Oh, good.

[Sophia]

Keep doing that and get it.

[Caleb Hammer]

Okay, so again, according to your criteria, you'll never marry her. One, she doesn't have a job to pay off her debt. Two, and she won't. She has to work for a government and remote. I don't want to get up to when she makes her own ranch dressing. And that shit is like literally heart attack. Ranch dressing in general, like that's body drowning in student loans with massive interest rates. I see it on the show all the time. People get a loan to advance their careers only to be left with sky high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans and they looked at your less than perfect credit score and hung up the phone. Maybe part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. You don't deserve to be buried in a high interest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where why Refi comes in. Why Refi works specifically with borrowers who can't get refinancing through traditional lenders. It's their whole. They refinance private student loans so you're only paying interest between 0.1% and 5.99%. And they legally cannot charge you more than that. They'll even customize your payments to get you out of debt at a pace that works for you. And if you need a co borrower release from your loan, they've got a program for that too. Plus their team is in Phoenix, Arizona. So when you call them, you talk to a real person. It only takes three minutes to check your rates and it doesn't impact your credit score. If you've been told no a million times, try Y Refi. Head to yrefi.com hammer that is yrefy.com hammer or call 888 Y Ref. That is 888-YREFI 78 break free from the high interest trap and get your finances under control once and for all. So let me ask you something. How are you supposed to build credit if nobody will give you credit? Yeah, it's dumb. And it's exactly why today's sponsor Kickoff exists. Kickoff is a credit building platform designed for people starting from zero to trying to rebuild. No credit check, no interest and plans start super cheap. Here's how it works. Kickoff gives you a trade line, basically an account that gets reported to all three major credit bureaus. Then you small on time payments each month and you're building payment history and improving your credit utilization. And those are two of the biggest factors in your credit. In fact, users with credit under 600 grow an average of 86 points just by paying on time. So instead of guessing and hoping for the best, you're actually making real progress in the background. They've also got extra features like rent reporting with the premium plan so you can build your credit with the rent you already pay. So if your credit is holding you back from getting approved for anything, go to getkickoff.com Caleb to start building holding credit for as little as $1. That is 80 off the normal price. When you go to getkickoff.com caleb today, get k I k o f f.com Caleb must sign up via getkickoff.com caleb to activate offer. Offer applies to new kickoff customers first month only. Subject to approval Offer subject to change average first year credit score impact of plus 86 points between August 2024 and August 2025 for kickoff credit account users who started with a score below 600, who paid on time and who had no delinquencies or collections added to their credit profile during the period. Late payments may negatively impact your credit score. Individual results may vary. Let's get back to the podcast. Like, yeah, you think you might be eating things because there's a green in it, but when you're slathering your buckets of your own ranch dressing on it, you're kill.

[Sophia]

Dude, I don't slather it.

[Caleb Hammer]

Oh, shut the up.

[Sophia]

You can think that I do all the time. You don't.

[Caleb Hammer]

So she'll never do either of those things.

[Todd]

Yeah.

[Caleb Hammer]

Now what?

[Todd]

I don't know. I guess I have no spine and I think she's banking on me. Yeah, she broke it on that. That's crazy. Yes, I guess so. But I think she's probably banking on me. Going back on my. On my agreements here, as I've done with the other things, is that true?

[Sophia]

No, he thinks it is. But I mean, I've also gone back on a lot of stuff that I've done too.

[Caleb Hammer]

This is a crazy note. They both admitted to Lindsay that neither of them are each other's type. He's not your type either.

[Sophia]

Not original.

[Caleb Hammer]

You're not her type.

[Todd]

Her.

[Caleb Hammer]

She's not your type?

[Todd]

No, I'm just doing egotistical for her. She doesn't like that.

[Caleb Hammer]

Well, you have a huge head.

[Sophia]

Skinny for me.

[Caleb Hammer]

What size are you looking for?

[Sophia]

Oh, I don't know the name of it.

[Todd]

A lean 240 name.

[Sophia]

That's funny.

[Todd]

Mean. Two hundred and forty.

[Sophia]

No, there's like someone who probably like 170. 180.

[Caleb Hammer]

Okay. With what height? I mean, I guess it is.

[Sophia]

I mean, his height's fine. I don't care about that. He's. That's fine.

[Caleb Hammer]

So you're too egotistical. Okay, this is crazy. So why are you guys getting married? I know. Like. Okay, yes, I know emotional attract. I mean, that's the primary thing. But if we're not even physically attracted to each other, what are we gonna do?

[Sophia]

What?

[Caleb Hammer]

Like what?

[Sophia]

I mean, I'm attracted to him now. Not at first, but I had to learn to love him.

[Caleb Hammer]

And you.

[Todd]

It's a process. I. I'm working through it with her.

[Sophia]

Yeah.

[Todd]

I. I see the. The small improvements she makes and it. It's just like something that I try and stay motivated on with her about struggle.

[Sophia]

Never.

[Caleb Hammer]

Good for you, friend.

[Todd]

Thank you. I appreciate it.

[Sophia]

Friends peak male performance to be really low. But I don't know what he's changed now that it's definitely not just built different, I guess.

[Todd]

I don't know.

[Sophia]

Yeah.

[Caleb Hammer]

Are you still going to the doctor every week? Because I don't know how you get.

[Sophia]

It's not every week. I think what he's thinking of is it's therapies every week. Personal therapies every week.

[Caleb Hammer]

Well, therapy's good.

[Todd]

No, no, no, no, no. That was while she was working. It was every week. And now that she's done with it.

[Sophia]

Now it's a doctor every week.

[Todd]

Once a month.

[Sophia]

My glasses. The health care.

[Caleb Hammer]

Every week for five months, though.

[Sophia]

It wasn't. No, he's not good with time at all and understanding how that works.

[Todd]

Clearly there's some validity in what I said because she doesn't have a job anymore.

[Caleb Hammer]

True. Wow. That is fair.

[Sophia]

Wow. Cool.

[Caleb Hammer]

I'm sorry. That's not unfair. You got fired. The are you little freak. Okay, so what is going on now? What Is going on now? What the is going on? Well, I know he won't marry you.

[Sophia]

Yeah.

[Caleb Hammer]

And that is very important.

[Sophia]

Yeah.

[Caleb Hammer]

I forgot how this conversation even started. There's a reason I asked if you guys were married.

[Todd]

Because we combined finances.

[Caleb Hammer]

I think Swallow your before you talk in a podcast.

[Sophia]

We don't combine finances. He doesn't want to, which I agree with, but he doesn't want to combine finances until we're married. But I do live with him, and he does not make me pay anything. When I had a job, I only had to pay 300.

[Caleb Hammer]

Oh, well, the reality is. No, I remember it's because he works 4400 in Austin. It's on the. Yeah, that lower end. How the.

[Sophia]

How the.

[Caleb Hammer]

Are we supporting the household? How are we even able to make things? How are we even able to keep even now? This is the longest chew session I've ever witnessed.

[Sophia]

Take a drink even. Because I had money saved up from my job that I've been using to pay my bills and. Which aren't too bad. Cause for how long?

[Caleb Hammer]

You've been out for a couple months now.

[Todd]

I had like, her finances don't play a part in any of the way of staying alive.

[Caleb Hammer]

How were you able to keep us alive then?

[Sophia]

Yeah, credit card is what I use to pay my gas, medicine, and copays right now.

[Todd]

As for finances, I'd say I'm pretty good with money, and so that's why we're ahead on things. Currently, it's break even, but if she's not able to support herself, then we're going to be in the negative when I have to pay her bills, and

[Sophia]

I'm now at the point where I can't. Like, this month I have to ask for him to help me with, like, 60 bucks because I can't afford the rest.

[Caleb Hammer]

Okay, well, the $300 that you're supposed to give me, you were let go in March, but you haven't paid them since January. Yeah, so what the are you talking about? You're not helping. You're not contributing. You never contributed, even when you had last year. It's last year. Last year you got laid off in March. You weren't even contributing since before January.

[Sophia]

Yeah, because we had a trip in January that I was trying to recover from as well.

[Caleb Hammer]

Recover from? Why would you go on a trip if you can't give him the money you're supposed to give him? Well, that doesn't make any sense.

[Sophia]

Oh, okay. So I. Oh, last October, I think I let a friend borrow $600 from me that was in my savings that was meant to.

[Caleb Hammer]

Why would you do this?

[Sophia]

Because I have no backbone when it comes to my friends. And then in December I had another friend come and hang out with us and she ended up not paying me back for things and owed me money as well. So those. I was banking on them paying me back when they said they would and they never did. Well, they didn't pay me back.

[Caleb Hammer]

Always. Bentley, you guys have been together forever. We're going on six years. Since when you rescued her from the Puget Sound. Has she been like this for the last six years?

[Todd]

Pretty much, yeah. I kind of stopped paying attention to her finances.

[Caleb Hammer]

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[Sophia]

in college, I paid my own bills in college. He didn't have to pay anything. I didn't. Well, I lived with him for one year.

[Caleb Hammer]

Okay.

[Sophia]

But otherwise I lived on my own that one year I asked him if he needed wanted me to pay for

[Caleb Hammer]

things and he said broke up while you were in college For a bit.

[Sophia]

We did, yes.

[Caleb Hammer]

Why'd you get back?

[Sophia]

Why did you get back?

[Caleb Hammer]

You're kind of the villain in the story, lady.

[Sophia]

I know, I know.

[Caleb Hammer]

You're leech off of him. You won't get a job. You are requiring a government remote job which I don't even think they really do much anymore anyway. They actually worth a little.

[Sophia]

But I think there's a lot actually. And it's not a note right off the bat.

[Caleb Hammer]

It's a lot then you would give it.

[Sophia]

It's a thing of like you have to. Government jobs take a while to get. You do realize that, right?

[Caleb Hammer]

How far into the interview processes are you?

[Sophia]

It takes up to three months before you even find out if you get an interview.

[Caleb Hammer]

Sometimes for everyone. For everything.

[Sophia]

Not for everyone, but in the government already it's a lot faster. But the ones who are public on the outside it takes work in the private sector.

[Caleb Hammer]

What's that a non government job?

[Sophia]

Oh, well, yeah. I mean, I was not.

[Caleb Hammer]

Yes. Do it again. If our entire excuse is we might not even know if we get an interview for three months, then we're not applying to those jobs. Now. That's not the jobs I have. I'm saying you shouldn't.

[Sophia]

Oh, no, no. Like on. Indeed. I have quite a few that I applied for. Okay. Well, I mean, actually.

[Caleb Hammer]

Oh, here it comes.

[Sophia]

Actually, what I don't know how to do. I've actually wanted to try to find other ones that I've like past ones I've done.

[Caleb Hammer]

Oh, yeah.

[Sophia]

And I don't know where to go to find.

[Caleb Hammer]

Oh, of course.

[Sophia]

So, I mean.

[Caleb Hammer]

Oh, yeah.

[Todd]

Mm.

[Sophia]

Stop. Well, You can look. I don't care. I applied for two this week alone, not including.

[Caleb Hammer]

It's the end of the week. It's the last day of the week. We are the final day of the week. And she applied.

[Sophia]

Please. Surprise.

[Caleb Hammer]

She applied for two. Okay.

[Todd]

Progress. Small steps.

[Caleb Hammer]

No, it. Oh, okay. So this is why she's just doing this forever. Because you are an enabling freak.

[Todd]

Yeah.

[Sophia]

Yeah. I don't know how you.

[Todd]

I can't. I can't really deny that. Unfortunately, I probably am an enabler.

[Caleb Hammer]

Yeah.

[Todd]

I mean, she's got my credit card on me, so I can't.

[Caleb Hammer]

I can't say that someone that you're attracted to, like what I feel like she's the one that's like. Would be more desperate to stay. She leeches off of you. You're financially sound. You're more her type than she is yours.

[Todd]

What.

[Caleb Hammer]

What is your.

[Todd]

I like her personality quite a bit. Sure.

[Caleb Hammer]

We can find a lot of personality out there.

[Todd]

I'm trying to make sure that I. I put forth the best effort I can in a relationship.

[Caleb Hammer]

I have nine applications on Indeed.

[Sophia]

It should be more than that.

[Caleb Hammer]

No, nine.

[Sophia]

But there's also government ones that you can't see and then there's.

[Caleb Hammer]

Yeah, I don't give a. About those. When they take three months to get an interview.

[Sophia]

There's ones on Twitter don't give about.

[Caleb Hammer]

Okay. This is a private sector. You're applying for government. Once off.

[Sophia]

The AWC is not private sector.

[Caleb Hammer]

I said you're applying for nine in the private sector. The rest are for the government. The government.

[Sophia]

Well, those are the ones I'm doing on. Indeed. Other ones. I went to UFCU on the website and did it. Did usaa. I did a lot of banks because I'm like, banks will do good jobs. I could do bank telling.

[Caleb Hammer]

What are you Doing just apply on LinkedIn and indeed, like a normal person. She applied because a lot of them aren't. Don't support her anymore. Don't support her anymore. She applied to nine jobs. It's been two months. She applied to nine jobs. The other jobs that she's applying for require three months until you even know if you get an interview. Run from this. Run.

[Todd]

Run. Gotta get my credit card back, I guess.

[Sophia]

Wow, that's some shit.

[Caleb Hammer]

I don't think that's unfair. You spent a thousand hours going out to eat.

[Sophia]

Yeah, because he doesn't wanna.

[Caleb Hammer]

He makes 4400amonth to sustain your ass and you did a thousand dollars out to eat I a couple protein nuggets every day.

[Sophia]

I eat salad now. I said that was different. Like I used to do that. Well, okay.

[Caleb Hammer]

This is your most recent statement. You pathetic.

[Sophia]

That for one.

[Caleb Hammer]

I used to. And then it's the most recent statement.

[Sophia]

So for him.

[Caleb Hammer]

You told Colton, by the way in the pre interview screen that you weren't even looking for a job.

[Sophia]

I didn't ever said that.

[Caleb Hammer]

Yes you did.

[Sophia]

No.

[Caleb Hammer]

Yes you did. You literally did. You can't say no. You literally said that.

[Sophia]

Maybe not that week because I've been

[Caleb Hammer]

nine applications, by the way, in two months.

[Todd]

I know. I bring up the conversation and she. She shoots it down. She doesn't like having the conversation.

[Caleb Hammer]

And so the herbivore salad eater. Thousand hours going out to eat last month.

[Sophia]

Cool.

[Caleb Hammer]

Yeah, but the full nuggets for an entire meal, lady. Thousand hours going out to eat.

[Sophia]

Part of it's because whenever I was at work Monday through Friday and she has were.

[Caleb Hammer]

That was. No, we don't have those statements.

[Sophia]

Yeah, that was. That was a month.

[Caleb Hammer]

Yeah, not all of them. Okay, here we go. Nope. This was the month after first one. So go yourself. Nope.

[Sophia]

Yes, that's April.

[Caleb Hammer]

Yes, it bleeds into both.

[Sophia]

Oh, okay. So March. I was told March. I did not keep back much things. And I have friends who have really expensive tastes. So that's one of the things I talked about. So we would do like things and then they would pay me back. The other thing too is when I was working. He does not like to pull things out of the deep freeze or something. He would forget to even though I'd ask him to freeze. Yeah, I have a deep freezer.

[Todd]

Okay.

[Caleb Hammer]

Don't get frozen food. Don't freeze food.

[Sophia]

Meat that I freeze, I bought.

[Caleb Hammer]

Don't just go to be. It's your favorite place in the world.

[Sophia]

I know it's a lot of walking in the house. I don't want to go into a store. Especially at a. I don't want to. I don't want.

[Caleb Hammer]

I don't give a. What you want to do. You go, we go. Dude, even.

[Sophia]

That's fine. Why do I have to if he's been home all day playing video games?

[Caleb Hammer]

Well, you're right. He should. But you should as well.

[Sophia]

Exactly.

[Caleb Hammer]

But wait, he has a job. How's he home all day playing video games whenever.

[Sophia]

So he used to do like, Thursday through Saturday and every other Wednesday. So wait, okay, so he's still working.

[Caleb Hammer]

I'm confused. You have to eat. He has days off.

[Sophia]

Well, yeah. So, like, we had an agreement that he would cook once a week at least because I was working.

[Caleb Hammer]

So we're talking one day, the six days. The other six days then go to heb.

[Sophia]

I would meal prep those days.

[Caleb Hammer]

I would need him meal prep. Thousand hours going out to eat.

[Sophia]

Well, I mean, he has a specific budget for us. And then when he'd be like, well,

[Caleb Hammer]

I don't want to pay thousand dollars.

[Todd]

No, no. It was 175.

[Sophia]

Is it really a thousand?

[Caleb Hammer]

Yes, woman.

[Todd]

It's a lot of red. Yes, that's a lot.

[Sophia]

That is a lot of red. I did not.

[Todd]

The budget was 175.

[Sophia]

How is it a thousand?

[Caleb Hammer]

Dude, the math is as simple as caloric math, yet you can't do either of them.

[Sophia]

What is it?

[Caleb Hammer]

Actually, no. I'll tell you as we go throughout. You don't get to see now. Spoilers.

[Sophia]

Oh, cool. That's lovely.

[Caleb Hammer]

Also, dude, working. You're unemployed. Let him play some video games here and there.

[Sophia]

Oh, I do now. I'm perfectly fine. I don't care. He. I mean, now that I haven't been.

[Caleb Hammer]

Why are you with her Leave before. I don't want to break you guys up, but, like, if she's like, what the.

[Sophia]

Before.

[Caleb Hammer]

I mean, she wants to be a

[Sophia]

trad wife all the time. Yeah, I am right now. And he's.

[Caleb Hammer]

You're unemployed. You're not a trad wife.

[Sophia]

Trad wives don't work.

[Caleb Hammer]

Yeah. Because they choose to, though. I guess you did choose to because you're telling Colton you don't want to work. But. And you haven't applied for jobs.

[Sophia]

But I have been applying.

[Caleb Hammer]

You're indeed proved that to be the case. Shut the up.

[Sophia]

It's not just indeed that I apply.

[Caleb Hammer]

On Indeed is the easiest place to apply. That's where you would apply to the scam. It's not a scam, but I Understand what you're talking about Some ghost jobs.

[Sophia]

There's a lot.

[Caleb Hammer]

Which, by the way, was much more of a thing two years ago than it is today.

[Sophia]

No, it's again the same. Maybe you should update yourself.

[Caleb Hammer]

Indeed, brother. We track this woman, you can play some video games. You can get someone with a personality. They're easy to find.

[Sophia]

Oh, I have a personality. I have quite a big personality.

[Todd]

Sometimes multiple.

[Caleb Hammer]

And you can find someone without lymphedema.

[Todd]

I'm not gonna lie. I don't know what that is. I'm not an idiot, but I don't know what that is.

[Caleb Hammer]

The growth growing on her leg.

[Sophia]

Yeah, that's not a thing on me at all.

[Caleb Hammer]

It will be.

[Sophia]

No, it won't, dude. Never.

[Caleb Hammer]

You can do so much, buddy.

[Sophia]

He also has quite a bit with me. Like, we've built a relationship together.

[Caleb Hammer]

I know.

[Sophia]

So why would he need to go anywhere else?

[Caleb Hammer]

Because you're a leech and a liar and lazy.

[Sophia]

Am I a liar? Because you looked at one app that only tracks a little bit of what I.

[Caleb Hammer]

Yes. And because you've taken back what you told Colton earlier. And also, for what it's worth, you told Lindsay you work full time separately. He told Lindsay you worked part time.

[Sophia]

I worked 35 to 40 hours.

[Caleb Hammer]

Why'd you tell Lindsay she worked part time?

[Todd]

Because a lot of the time she was not working full days, so. And I'm pretty sure they were like,

[Sophia]

what is your full days? Because I was 8 to 5 about his full days.

[Caleb Hammer]

Liar. If you weren't working.

[Sophia]

No, I'm talking about lying. I worked 8 to 5 and then no, I worked 9 to 5 and then it changed 8 to 5. And sometimes I just stayed till 6pm and I drove an hour one way.

[Todd]

I'm pretty sure we had a conversation where you said that your big boss didn't like you being full time and you weren't allowed to work full time hours. And I think you said you had to work 32 hours or less or you keep getting in trouble with your boss. No, and 32, I think, is technically part time.

[Sophia]

I was thinking you were required to take exactly one hour lunch and I wouldn't because there would be work to do, so I would take less.

[Caleb Hammer]

But you were required to.

[Sophia]

Yeah. And they were also required to have you at a specific time of arriving and why the person that I was with arrived late. I don't a give hours every day.

[Caleb Hammer]

I care about you.

[Sophia]

I started whenever he got onto me for not taking a full hour. I started doing exactly a Full hour.

[Caleb Hammer]

You're not cooking. You make him clean.

[Sophia]

You cook.

[Caleb Hammer]

You make him clean. How can you call yourself a tradw.

[Sophia]

I cook, I clean. There are.

[Caleb Hammer]

Why does she make you clean then?

[Todd]

Fairness. She's tired sometimes, so she feels like being unemployed. Hey, I don't. I don't know. It's exhausting sometimes. Maybe taking care of some dogs can be nine.

[Caleb Hammer]

Indeed. Applicants in two months. That is cool. Quite the winded activity news to me.

[Todd]

I. I was expecting more.

[Caleb Hammer]

So why is she exhausted in you having to clean after you pay the bills?

[Todd]

I. I couldn't tell you on that one. I don't know, but you're a little.

[Caleb Hammer]

So you don't give a. You're gonna stay regardless.

[Todd]

Apparently. Yeah, that's. That's pathetic.

[Caleb Hammer]

Yeah, that's pathetic, dude.

[Todd]

Todd the cuck.

[Caleb Hammer]

I guess so. She actually enjoys it too, because she knows that she can do anything. You can do anything.

[Sophia]

No, not true at all.

[Caleb Hammer]

What?

[Sophia]

No, there's quite a bit that I have.

[Caleb Hammer]

And like, also a thousand hours. Going out to eat in a month is not cooking.

[Sophia]

No, not that time. No. Not whenever I was working.

[Caleb Hammer]

Oh, not the time. That is our most recent statements.

[Sophia]

Mm. Well, I mean, not all of it

[Caleb Hammer]

was when you were working, by the way. Some of it bleeds into the month after you got laid off. After. Not laid off. Fired. I should clarify. Cause you were bad at your job.

[Sophia]

I wasn't bad at my job at all.

[Caleb Hammer]

Kami, you got fired.

[Sophia]

Yeah. The company is also going under, and there was a lot of behind the scenes.

[Caleb Hammer]

Oh, shut up. I don't care. The company that fired me. I'm salty about every former employee ever. He told Lindsay, you work part time. You said full time. You told Colton you weren't looking for a job. And then the applications were nine. So it's like, what the Do I believe? Yes, you're a liar.

[Sophia]

Cool.

[Caleb Hammer]

I'll close that loop.

[Sophia]

I don't think I am graded as gray. That's fine.

[Caleb Hammer]

Oh, she doesn't think she is very good. Okay, that's wonderful. I mean, we just laid out relatively decent amount of proof, but you just

[Sophia]

don't care to only look at one app of something instead of multiple. Because you have to be right about everything.

[Caleb Hammer]

What are you talking about? App.

[Sophia]

Yes, indeed, is an app.

[Caleb Hammer]

Oh, yeah, the app. Are the other ones apps.

[Sophia]

They're websites.

[Caleb Hammer]

Can you pull up all your application history for me? Then I'll believe you. I will allow you to provide evidence if you'd like to. But I already told you, you shouldn't be doing government jobs anyway. If you have to wait three months just for a interview. Cuz you need to go make money now.

[Sophia]

I understand. And I.

[Caleb Hammer]

You understand you do nothing.

[Sophia]

I'm not making enough. But I am.

[Caleb Hammer]

How much do you make from this cleaning?

[Sophia]

80 a week. So however much that is, she's really

[Caleb Hammer]

making a dent in that. Thousand hours a month. Going out to eat.

[Sophia]

Yeah. That's fair.

[Caleb Hammer]

You have email confirmations, right? Of applying to these jobs. You could search job application, something like that. I think the reality in the end. Let's just be talking. Not that you are a housewife. It's not a housewife. It's not trash headwife. The reality is you're just a gold digger.

[Sophia]

I don't think I am, but cool.

[Caleb Hammer]

Any evidence to suggest otherwise?

[Sophia]

I was spending all this money, brother.

[Caleb Hammer]

You make him clean after he works a hard day.

[Todd]

And she said.

[Caleb Hammer]

Because he just said yes, you do, because you're exhausted sometimes. Exhausted.

[Sophia]

The only cleaning that he has to do is vacuum the house. That's it.

[Caleb Hammer]

Why does he have to vacuum the house? You should.

[Sophia]

You do nothing because there should be expectation that he does at least something. Because you were trad wife. Whenever we have kids, they're jobbing themselves and even trad wives.

[Caleb Hammer]

I relatively agree. But if you say you are the trad. If you want the true traditional trad it is you cook, you clean, you take care of kids. He brings home bacon. That's it, girl.

[Sophia]

Then maybe he should actually bring home bacon and not want to just.

[Caleb Hammer]

You're unemployed.

[Sophia]

Run.

[Caleb Hammer]

She will not catch you. Run.

[Todd]

Damn, that's crazy.

[Caleb Hammer]

Is it?

[Todd]

Yeah. I don't know. I. I mean yeah, it's. It's.

[Caleb Hammer]

Doctor said she can't work out for more than 50. 50 minutes a week.

[Sophia]

Listen to that. I do more.

[Caleb Hammer]

You can't even vacuum.

[Sophia]

I can. I choose not to. Actually.

[Caleb Hammer]

I have found an amazing trad partner.

[Sophia]

I have. I've been doing the yard work because he usually bans me from doing the yard work and I do it it now to be nice for him. And then what yard work? Like mowing and weed eating and that type of stuff.

[Caleb Hammer]

How much lawn is there?

[Todd]

It's a normal house, not a big lawn at all.

[Caleb Hammer]

Okay.

[Sophia]

Which is fine. It's just he doesn't want me doing it, which I don't understand why, but I'm perfectly fine with doing it.

[Caleb Hammer]

I don't understand why you can't just go get a temporary job while you're applying for the jobs that you'd prefer

[Sophia]

to have I really get a temporary job. It's just we've had the conversation and I thought we agreed, but apparently not after having another conversation with him is I don't want to go get a job in like, fast food or I don't.

[Caleb Hammer]

But why does what you want matter? You need the house, needs more money, and you have bad debt that you need to pay off for him to consider that one of your two items.

[Sophia]

The only thing I have is my car. And even then, I've been told by multiple.

[Caleb Hammer]

Okay, there is a lot of paperwork here. So there is more than just a car that we're about to look at in general.

[Sophia]

There shouldn't be. It should just be school loans, student loans, my car.

[Caleb Hammer]

We'll see.

[Sophia]

And then what I do is in

[Caleb Hammer]

this relationship, you guys have already broken up in the past and you literally get furious mad when he asks you to work out.

[Sophia]

I don't get furious mad when he asks me to work out.

[Caleb Hammer]

Hey, what do I have to know? She says that he gets mad. You said it. He gets mad when he asks you to work out with him. With him and you say no.

[Sophia]

Oh, because I think he's ridiculous in how he works out. And he's not.

[Caleb Hammer]

Oh, sorry. He gets mad mad. He gets mad when he asks you to work out with him and you say no.

[Todd]

That's an interpretation. I wouldn't say I get angry.

[Caleb Hammer]

I think you actually should, though. Not like, I'm not saying abusive, but I think it's okay to be upset that you're morbidly. Morbidly. Morbidly. Morbidly. Morbidly. Yeah, I think I hit class four obese girlfriend that you want to be your wife, that you want to live past 50. Not controversial on that, by the way. I would love you to live a long life. That's honestly why I really dive into obesity is because it's a financial harm and it's a energy harm. For income and my family live into

[Sophia]

their 80s and more.

[Caleb Hammer]

Oh my goodness. Where? Where they as fat as her?

[Todd]

No.

[Caleb Hammer]

I just launched the brand new Hammer Elite app. Available on every major platform. You'll get three exclusive dedicated shows every single day, Monday through Saturday. And to celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus I have an exclusive offer just for you. But it's limited to the first 1,000 people to purchase. For a one time payment of $500, you'll get our entire Hammer Elite catalog for life and a limited edition Hammer for Life box packed with limited edition merch you can't get anywhere else. Plus, you'll get access to our exclusive 4 hour Hammer Elite Day live stream on June 27th. Download the Hammer Elite app by using the link in the description or pinned comment below. This is the best membership you'll ever join. And that's a promise. You suck with money. So you download a budgeting app. You start with the classic one, ynab, but everyone just deletes it because it's way too complicated to use. So you go to everydollar. That's Dave Ramsey. The personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal. Finances. Rocket Money. They got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raised in so far. But private equity doesn't have the best track record when it comes to private data. That's why I like dollar Wise. Build Play. These people just like you for people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download it now. Start the free trial Dollar wise.com link in the description below. Yeah, no one is. So the thing is, it's not too bad.

[Sophia]

Okay.

[Caleb Hammer]

No one that makes it that long. It would be reasonable for you to be upset that she doesn't work out with you.

[Sophia]

I do now. A lot's changed. I do now.

[Caleb Hammer]

Over the course of the last week. No, since the interview where you said that like what? Shut the up.

[Sophia]

No, he still gets mad. Like if I don't want to work out with him, because I do.

[Caleb Hammer]

This was since Wednesday when you said it. She's changed since Wednesday. It's Saturday.

[Sophia]

Well, still no.

[Caleb Hammer]

I'm not gonna give you the W for that. You won't even go work a temps job. Pathetic. Pathetic. Both of you. You're evil. And you're a pussy.

[Todd]

Can't really deny that, unfortunately.

[Caleb Hammer]

No shit, cuz you're a pussy.

[Todd]

Yeah. Just take it from all angles.

[Caleb Hammer]

What? Yeah.

[Sophia]

Really?

[Todd]

Well, I'm letting this guy dog on me for letting you dog on me with my finances. So that's crazy. I can't really do much about that.

[Sophia]

Grow backbone.

[Todd]

Give me my credit card. We'll start with that.

[Sophia]

I guess it's not on me physically right now, but sure.

[Caleb Hammer]

Where is it?

[Sophia]

In my purse.

[Caleb Hammer]

Go.

[Sophia]

No.

[Caleb Hammer]

That'll take you like 10 years to get Back you. This honestly wasn't a joke. I don't wanna. I don't wanna wait for you to have to go all the way over there and back.

[Sophia]

Sure.

[Caleb Hammer]

Now, the weird thing is, and I don't know if I fully agree with this in your relationship before we just move on to the finances about the weight thing, because that is a big part of this because the marriage relies on it. I agree. You should be healthier. I want to. I'm with you on that. I want to cheer for your health because what's the point of sacrificing everything that's going to be required to sacrifice if you're not going to live to see it? Right? So. Okay, I get that.

[Sophia]

But.

[Caleb Hammer]

Well, she says that you specifically, consistently ask her what her weight is for the day, and her answer depends on if you're addicted to her or not for the rest of the day. I don't know if we should be, like, horrible to someone.

[Todd]

Am I horrible for just asking for updates? I mean, we're six years in a relationship and I'm asking. And I'm just asking. What's going on?

[Caleb Hammer]

You heard my question. That's not what I asked. How you treat her depends on the answer for the day.

[Todd]

Okay. Maybe if I get frustrated with her answer, I'll be a little quiet. I wouldn't say you're not quiet.

[Sophia]

You're an asshole to me.

[Caleb Hammer]

What do you mean?

[Sophia]

Well, besides the fact that he does get quiet, it's. He gets an attitude. Anything that I try to do that I'm like, hey, do you want to hang out together? Do you want to play a video game and I paint or something? Because that's what we each like to do. He's like, I just don't want to talk to you right now. Just go. Just leave me be. Or I'll try to, like, cuddle up to him and ask for a kiss or something.

[Todd]

Study and play come together on a Windows 11 PC. And for a limited time, college students

[Caleb Hammer]

get the best of both worlds.

[Todd]

Get the unreal college deal. Everything you need to study and play with select Windows 11 PCs. Eligible students get a year of Microsoft 365 Premium and a year of Xbox game Pass ultimate with a custom color Xbox wireless controller. Learn [e-mail] studentoffer while supplies last ends June 30th terms at aka Ms. CollegePC.

[Sophia]

Wow. Thanks. Anyway.

[Caleb Hammer]

Sorry, I can't.

[Todd]

He.

[Sophia]

Well, he prefers cuddles. Anyway. Anyway, I'll try to do that. And he's just like, he'd rather Be with the dogs instead.

[Caleb Hammer]

I'll shake your hand for that one.

[Sophia]

It's like, no matter what, he'd prefer to be with the dogs and his games. I'm like, that should not be first. It should wait always.

[Caleb Hammer]

No matter what.

[Sophia]

It's better now. But he used to be that way. It used to be video games and dogs. That's it.

[Caleb Hammer]

I understand that one. You're not pleasant.

[Sophia]

I mean, he says he likes my personality kind of abusive, but, like, you're

[Caleb Hammer]

financially abusive, manipulative, and just, like, not a good partner. So that part's fair. But I don't think you should determine how you treat her for the day. Did someone just use hand sanitizer? Mark, why? What are you doing back there? You just over 50 minutes in. 50 minutes into filming a podcast. What have you been touching over the past 50 minutes that require. You're sitting there watching the audio. Marcus, what are you. Come over here. Mark, what the are you doing, ladies and gentlemen? You know him. You love him. I didn't think I'd be on for this. Why the. It's been 50 minutes. What have you touched in the last 40 that require hand sanitizer at 50 minutes? Well, I got kind of bored, so I was, like, touching my face, but I had a quesadilla for lunch, so I was like, oh, no. All that grease when the quesadillas getting on my hands now you can probably smell it.

[Sophia]

Yeah, yeah, yeah. Okay.

[Caleb Hammer]

Thank you, Mark. That was a very strong hand sanitizer. Okay, you're fat. What's our financial score? 0 to 10 for the household.

[Sophia]

Oh, for the household. Ooh. I bring it down. He brings it up.

[Todd]

Six minimum.

[Sophia]

Five, maybe four and a half.

[Caleb Hammer]

Class four.

[Sophia]

Wow. Don't you.

[Caleb Hammer]

I'm so sorry. No, I'm not. Because you're a bad person. But, like. Okay. And you're pathetic as well. Oh, okay. I got permission. Yeah, I'll take it. If you want your Hammer Financial score, get it for free. Kayla, Hammer dot com. You know where to go. It is free. Just takes a few minutes. You can see where you stand in the world of finances where you're doing poorly, where you're doing great. Take that assessment. They did. You can too. And if you don't wanna. What the are you talking about?

[Sophia]

No, he just looked at me.

[Caleb Hammer]

If you don't wanna be like a guess who ends up on the show, make sure you use the dollar Wise budgeting app. Take it. Sign up for the annual version. If you like it after the trial. Most people do because you save almost 50% and then you get my 30 day budget, me by me, mailed directly to you. It's awesome. And the digital version of the cookbook, by the way, check that out. Here you go. No chance in the world this. But.

[Sophia]

Okay, no, but I'll take it.

[Caleb Hammer]

Okay. So I just don't, unfortunately, don't remember. Oh, yeah, no, no, no, I do remember. Okay. Yeah, no, I still want an answer. I don't think you should be treating so like, I'm treating her, like right now, but that's. That's the show and it's fair and she's a piece of shit and so are you, kind of in a different way. But just like you ask for a number once a day and then you, you. How you treat her depends on the numbers. That's a big.

[Todd]

It's not like a schedule. I don't wake up. I say, all right, it's 6:00am Give me your weight. That's a little overboard. It's just an occasional checkup. And I wouldn't say it's daily. Maybe once you.

[Caleb Hammer]

What makes you so angry and so bad?

[Todd]

Just no progress, I'd say. Or minimal progress considering we're six years in and she knows the limbs get with that. I think we've already established because I'm a. So I'm working through things.

[Caleb Hammer]

True. Were you desperate at the time?

[Todd]

No, I wouldn't say I'm desperate now. No, I'm not desperate.

[Caleb Hammer]

Are you?

[Sophia]

No.

[Caleb Hammer]

Because if he treats you bad and

[Sophia]

he's like, I have other people that want me to break up with him to be with him, but I refuse to do it.

[Caleb Hammer]

I know. Because men are insane, no matter the women. Every woman has been gassed up to like supreme level in 2026.

[Sophia]

Like, oh, you don't need to lose weight. And I'm like, are you stupid?

[Caleb Hammer]

It's incredible.

[Sophia]

Are you fucking stupid?

[Caleb Hammer]

Women among us and the most unattractive can have any man they want. And then for a man, I'm sorry, that's a little red pill. But there's relative the truth. You have to be in like the top one.

[Sophia]

Red pill. I think you mean blue pill. No, red pill. Yeah.

[Caleb Hammer]

You have to be in like the top 10% just to get her.

[Sophia]

But clearly there's people out there that would prefer me.

[Caleb Hammer]

Unfortunately, that's the thing I'm saying that's crazy.

[Sophia]

And part of the reason why, one of the many reasons why I want to stay with him is he actually challenges me and wants me to lose weight instead of Being happy.

[Todd]

He challenges you.

[Caleb Hammer]

What do you mean? How much do you weigh today?

[Sophia]

Oh, I'm not saying that.

[Caleb Hammer]

Huh? No, that's just what he asked you. That's his challenge.

[Sophia]

Oh, no.

[Caleb Hammer]

Well, you're not saying that. I mean, I have it. It was like 283. It was like your last weigh in. Oh, it's gone up. Oh, shit. Maybe she is class five.

[Sophia]

No, I'm not.

[Caleb Hammer]

Will you step on the scale if I give it to you?

[Sophia]

No.

[Caleb Hammer]

Okay.

[Sophia]

I don't know if I want to

[Caleb Hammer]

put it through that much trauma.

[Sophia]

That's fine, but I'm not doing that.

[Caleb Hammer]

Pourquoi?

[Sophia]

Sign your damn business?

[Caleb Hammer]

Ish.

[Sophia]

I mean, it's the show, but I don't care. That's not happening.

[Caleb Hammer]

No, that's fine. I'm not gonna force you to do anything. But, like, I mean, why, why, why were we given away if it can't be confirmed? And this is such an important part of the conversation, apparently.

[Sophia]

Oh, I don't know why. I did give a weight.

[Caleb Hammer]

No, we were given a weight. Yeah, I don't know why GBT5 is. What?

[Sophia]

I don't know why.

[Caleb Hammer]

Was told to the producers.

[Sophia]

Yeah, I don't know why I didn't.

[Caleb Hammer]

But you can't confirm the. Wait, you told us. Maybe your phone's not going to confirm.

[Sophia]

Yes, it can.

[Caleb Hammer]

Okay, well, I think the scale would confirm it.

[Sophia]

I'm not stepping on it, so why.

[Caleb Hammer]

Why show me the thing on the phone but on Sky? I'm not gonna firstly get on scale.

[Sophia]

But I don't understand. The phone's the date and everything for the last weigh in. Yeah, this is.

[Caleb Hammer]

Huh.

[Sophia]

This is April 7th. Was the.

[Caleb Hammer]

That you put in though?

[Sophia]

No, no, no. April 7th was 300. So I have a scale that whenever you step on it and you let it run its whole course and you have the app turned on, it'll send all of your body metrics over to it.

[Caleb Hammer]

So she's gone up. How does that make you feel?

[Sophia]

No, that's April 7th.

[Caleb Hammer]

Okay. On Wednesday you said 285.

[Sophia]

Yes. Do your math, do your dates. We're not in April.

[Caleb Hammer]

I know, but you don't have a weigh in since then. You didn't weigh yourself since then.

[Sophia]

Yes, I have. Not on this app. Oh, my God. I just don't. I don't do the app. Like, I get on the scale, but I don't have my phone on me to, like, track the app. I need to. I'm really bad at doing that.

[Caleb Hammer]

Dude. The thing is, you know, for what it's worth. I mean, same thing with people who just want to spend bad. If you actually want to be incredibly unhealthy. And why not? Like, I actually don't care. Live that life. I'll support you. It's fine. It sucks for our medical system, healthcare system, and the price we all have to pay into it and, you know, a lot of other things, but either way, it's just, like, do it. That's fine. But, like, it's different. If you actually care about it, then I'm gonna bully you.

[Sophia]

You know, I do actually care about it.

[Caleb Hammer]

Okay. I hope so.

[Sophia]

I don't want my kids to go through, like, the bullying that I went through as a kid.

[Caleb Hammer]

Yeah, no, I mean, I don't want you to get bullied either. The only reason we do it on the show is because we have permission. And it's. It's fun for the show, but, like,

[Sophia]

I don't want them to have, like, health issues that I'm possibly having right now.

[Caleb Hammer]

Possibly. No, you are.

[Sophia]

No, I'm not. No, no. The test confirmed that I don't.

[Caleb Hammer]

What test?

[Sophia]

Blood test.

[Caleb Hammer]

You tell me. Don't got the diabetes?

[Sophia]

Nope.

[Caleb Hammer]

Will you take a blood pressure test or not?

[Sophia]

Know. Yeah. I've also been shaking my leg, so probably should wait, like, five minutes.

[Caleb Hammer]

What?

[Sophia]

Yeah, I've heard a thing. Like, anytime I go to the doctor, I get really nervous, and I'll, like, shake a lot. And they're like, you have to wait five minutes of being completely still for the blood pressure.

[Caleb Hammer]

Pull it out.

[Sophia]

That's fine.

[Caleb Hammer]

I want her to be around for a while.

[Todd]

Right. I do, too. That's why we have these conversations and work on these things.

[Caleb Hammer]

Here's Marcus. Freshly clean it.

[Sophia]

I don't know how to do it.

[Caleb Hammer]

You'd like to administer on your woman?

[Sophia]

Do you know how to do it?

[Caleb Hammer]

Yeah. You wrap it around that arm, if it fits. And you. Can you just sit like this through

[Todd]

all the way up, I think.

[Caleb Hammer]

Oh, yeah, Right there's good. And just make it super tight. Not super tight, but, you know, like, firm.

[Sophia]

It's still there.

[Todd]

I don't know. Is that super tight on the other side?

[Caleb Hammer]

Doesn't need to be super tight.

[Sophia]

You're good. That's fine.

[Caleb Hammer]

And click that button. You just sit still, and we'll all be quiet. That's impossible.

[Sophia]

No way. That's not on right. It's not on right.

[Caleb Hammer]

I put it on.

[Sophia]

You can do it. I don't know how to do it.

[Caleb Hammer]

What are we.

[Sophia]

It's not on Right.

[Caleb Hammer]

That's impossible. It did not snap. Thanks. I'm sorry. Your arm is very thick. Okay. Just sit like this.

[Sophia]

There. What? Just hit the power button.

[Todd]

How. How do I.

[Caleb Hammer]

Right. How do I.

[Sophia]

There you go. Yep. Your mom's a nurse.

[Caleb Hammer]

You don't work. No, I do, I do. Leave it them.

[Sophia]

I'm just holding in place.

[Caleb Hammer]

It's crazy. Are you too advanced for an at home blood pressure chart?

[Sophia]

I just never needed one. My blood pressure is fine.

[Caleb Hammer]

I hope so.

[Sophia]

They always tell me it's fine or low.

[Caleb Hammer]

You're 25, so you have time on your side button.

[Sophia]

155 over 76. Okay.

[Caleb Hammer]

155 is high blood pressure hypertension, stage 2 and.

[Sophia]

What did I just tell you? That I've been shaking my leg. It matters.

[Caleb Hammer]

All the way up to 155 from 120.

[Sophia]

Probably.

[Caleb Hammer]

Probably.

[Sophia]

I think the first time I got my blood pressure was like 180.

[Caleb Hammer]

I'm not a medical expert so I'm not diagnosing anything. But what I do recommend is like go get your blood pressure checked.

[Sophia]

I already do. Every time I go to the doctor and I have to go on the third. So they do it.

[Caleb Hammer]

There we go. So that's good.

[Sophia]

Every time that I go, they're like, yeah, it's in the normal range to low. Do I need to pull up my medical charts?

[Caleb Hammer]

No, no, no, no, no, no, no. I. I do care about your health for what's worth. Yeah, it was a fun bit, but it's like. It is 155 is kind of high.

[Sophia]

Yeah.

[Caleb Hammer]

Worth. So I'm hoping that's, you know, just a moment, a moment of nerves for the show long.

[Sophia]

There's been a lot like they wait like 15 minutes and then come back and they'll take it and it's fine

[Caleb Hammer]

if it's like crazy. Anxiety, caffeine, you know, walking all this, no wrestlers. That could be like 10 to 20.

[Sophia]

I mean, I am.

[Caleb Hammer]

So it would still be elevated Right. At that point, you'd still be in that stage one. Okay, cool. Just saying. Okay. I do care about your health. I know we're meme and we're having fun, but like it's just like. Yeah, I do agree. Okay, so you have no job. 4400 is all that comes in. That's not good. What's the USAA Car Checking or credit? Credit.

[Todd]

All of the USAA is mine.

[Sophia]

Okay. You're the one.

[Caleb Hammer]

Is this the one that she has?

[Todd]

Yeah, it fits the credit card.

[Caleb Hammer]

What's wrong with You. So it's not just car loan and shit like this. You've racked up his credit card. That is a green interest. That is. Did you purchase?

[Sophia]

Well, okay, so depending on the month two, it might not be much of me.

[Caleb Hammer]

March to April. In between March and April. Hybrid.

[Sophia]

Did I have it in March?

[Caleb Hammer]

It was.

[Sophia]

It's still a mix of both of us for those two.

[Caleb Hammer]

Okay, well, you spent more than you put towards it while interest is accruing.

[Sophia]

Yeah, I didn't put anything towards it. I don't put anything towards it.

[Caleb Hammer]

No, no. You have your job. You got laid off your trad wife. By that she means applying for a jobs. Okay, so this takes 15 years to pay off. Will you be here? I hope so.

[Sophia]

I mean, yeah, yeah, I'll be here.

[Caleb Hammer]

Well, okay. Changes are required. Okay, but. So this takes 15 years to pay off. Minimum payments only without any purchases and. Oh, she is purchasing because she has no nowhere else to purchase. You are sugar daddying her.

[Todd]

That's.

[Caleb Hammer]

No, I mean you are.

[Todd]

Apparently. I got a lot of nicknames sugar daddies up there.

[Caleb Hammer]

No, no, you are like she's spending your money. She provides nothing to the household.

[Sophia]

I provide quite a bit to the household.

[Caleb Hammer]

You make him vacuum.

[Sophia]

So what? That's one thing out of multiple.

[Caleb Hammer]

What are you providing really?

[Sophia]

I cook his meals. I make one day a week.

[Caleb Hammer]

I thought. No, no, wait a thousand hours. Going out to eat. Where's the cooking?

[Sophia]

I do cook. It's just one thing's expensive, but. Oh, come on.

[Caleb Hammer]

Groceries are so much cheaper than going out to eat. Groceries are pretty high too, statistically in every way whatsoever. Because the actual things that you buy last multiple. Me? Well, yeah, I'm saying we check it via HEB. Your favorite place. 300 bucks per person can be a great three meals a day plus dessert, snack, drinks per month. Yes. Cool.

[Sophia]

We spend less than that.

[Caleb Hammer]

Cause you spend a thousand going out to eat. Cause you don't cook. You just proved your point. If you spend less than that, then you're not cooking very much. I do think not very much because you spend less than what's required for the three meals.

[Sophia]

When I was working, I didn't cook as much.

[Caleb Hammer]

Girl, if you're spending less than that now, then you are not cooking enough.

[Sophia]

I do.

[Caleb Hammer]

Oh me man. Can't get through with this one. Her skin is thick.

[Sophia]

Hey, when you're this big, you have to have thick skin.

[Caleb Hammer]

Could also just lose weight, but yeah, working on it. Kind of didn't you gain again. So what is your normal Monthly payment spent. I don't know, like 50 bucks. 100 bucks?

[Sophia]

Yeah. How much is it?

[Caleb Hammer]

Because it's not on the statement. Because you put money towards it and then you spent more. I'll put it as a. No, let's put it as 50.

[Sophia]

I'd say 50 is more accurate.

[Caleb Hammer]

How the would you know?

[Sophia]

Because we budget together.

[Todd]

What?

[Caleb Hammer]

You budget together?

[Sophia]

Yeah.

[Caleb Hammer]

You spend more than you make.

[Sophia]

Well, so we have a budgeting thing that I put together.

[Todd]

Not so much budgeting.

[Caleb Hammer]

Oh, she put together. But what the does she mean?

[Sophia]

Actually, he put it together.

[Todd]

We look at our expenses for the last month. That's. Yeah. Really all it is. We're not like sitting down budgets.

[Caleb Hammer]

The minimum payment. That's not even.

[Sophia]

Because it's 50 to 60 is the average I see every single month for his credit card. So I assume that that's the monthly minimum because he typically. Oh.

[Caleb Hammer]

And then we purchase more than we put towards it for. I'm sorry. It is the ultimate fat woman destination. It really is. It really is.

[Sophia]

Would you say Disney World?

[Caleb Hammer]

No, but that would be too. But no, you don't go there on a daily basis. That'd be crazy.

[Sophia]

What is?

[Caleb Hammer]

You would not be able to afford that. Sonic.

[Sophia]

Oh, yeah.

[Caleb Hammer]

We have two dogs stopping at Sonic.

[Sophia]

I would get a drink and then we would get pup cups too. That's why they're typically smaller charges.

[Caleb Hammer]

It's always for like the sugary pops with the candy in it and shit.

[Sophia]

No, I usually get crazy.

[Caleb Hammer]

They get crazy. You get crazy. Coke. Full calorie Coke.

[Sophia]

Yeah, woman. That's what I would do is like my Sonic. Sonic.

[Caleb Hammer]

Sonic. Sonic again. Game pass. That one's probably you. Sonic. Girl.

[Sophia]

Girl.

[Caleb Hammer]

Sonic again. Microsoft. Amazon.

[Sophia]

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[Caleb Hammer]

That's why you rack Amazon from the BUC EE's.

[Sophia]

That's gas.

[Caleb Hammer]

One was gas. And then he went inside the same day and got some buckies.

[Sophia]

Yeah, I did.

[Caleb Hammer]

Yeah, you did. I know you. I see every time I'm there.

[Sophia]

Copy and morning. If that's morning, I don't know the time.

[Caleb Hammer]

It doesn't say.

[Sophia]

That's probably both.

[Caleb Hammer]

14.4% interest rate. It wasn't. It's like

[Todd]

can't put that on me.

[Caleb Hammer]

Oh, I didn't even catch this. You literally said that's your cheat for the day. You can't have a cheat for the day and lose weight. There's no such thing as a cheat for the day. Drink a full calorie.

[Sophia]

Coca Cola is the only thing I drink besides water.

[Caleb Hammer]

What is that, 500 calories? 600 calories?

[Sophia]

Is it 700 count.

[Caleb Hammer]

What size?

[Sophia]

Like a medium?

[Caleb Hammer]

Well, a medium.

[Sophia]

A Sonic with no ice. Because I hate their ice. Oh, their ice has like stuff in it.

[Caleb Hammer]

Coke with no ice from.

[Sophia]

Is it really that much girl.

[Caleb Hammer]

And now she's confused why she's not losing any weight even though she eats her salad.

[Sophia]

Yes. Really?

[Caleb Hammer]

Dude, Pop is one of the worst caloric things you can ask have. That's why you go yeah. Dr. Pepper. Zero or gamer subs. That's zero calorie too.

[Sophia]

If that's a zero sugar. Yeah. I hate diet flavored things. They have a really.

[Caleb Hammer]

Hey, then you're on water, dude.

[Sophia]

But zero sugar. I do like the flavor of that. It's just the we.

[Caleb Hammer]

It's at least 300 calories.

[Sophia]

Okay, that's insane. That's something I definitely should not be doing.

[Caleb Hammer]

Yes. Speaking of gamer subs, another really good zero calorie item is a. A course careers certification of which I will get you because in the audience they have used that to convert into six figure jobs. And you need a job.

[Sophia]

I do.

[Caleb Hammer]

They even have it in it, so.

[Sophia]

Oh, okay. Well that's great.

[Caleb Hammer]

You'll get it for free. Do you deserve it? No, but. Okay. And this just. This isn't even calculating your spending, by the way. So this was just taken for an additional extra month just for funsies.

[Sophia]

Yeah.

[Caleb Hammer]

Of what it looked like when you had a job. Which is even worse because I have your spending when you didn't have a job. This is what it looks like when you did have a job. Bullshit Mexican Cinemark Chick Fil A ihop. And we now bullshit Cinemark Chick Fil A. Bullshit Amazon Cinemark ATM Madraw Venmo. EBay. EBay. Wendy's squirt quilt. Squirt Quilt.

[Sophia]

Oh, that's Shirt Quilt. Yeah.

[Caleb Hammer]

Is that fat People shirts?

[Sophia]

No, no. What is that called?

[Caleb Hammer]

People need shirts too.

[Sophia]

It's a quilt made out of old T shirts that I did for Sonic.

[Caleb Hammer]

Cash app. Cash App. Southern Scoops Chick Fil A Cash App. Domino's Chick Fil A Bath and Body Works. Cracker Barrel. This is just an example of what it's like when she has a job. She spends all of her money. Why even be with her? Because when she spends a job, it'll be even worse. Venmo. BJ's Restaurant. Avery Kyle. Avery Kyle. The Grill. Cash app. Bullshit. Cash app. Bullshit. Bullshit. Chick Fil A Coffee. Brahms. Bullshit. Bullshit. Pluckers. Pluckers is the worst calories you could ever have, by the way. Delicious, though. Claire's good. Good morning. Like restaurant coffee or something? I don't know. Bullshit. Sonic. Chick Fil A. Chick Fil A Ice house.

[Sophia]

Yeah, that makes sense. On why it's a thousand now. It's a fine trip to my family.

[Caleb Hammer]

That wasn't calculated in your monthly spending.

[Sophia]

That was the other one.

[Caleb Hammer]

That was taken just for fun, to show you have a job.

[Sophia]

Oh, so I wasn't a thousand. Oh, shit.

[Caleb Hammer]

Money owed a grandpa. Whose grandpa?

[Sophia]

Mine.

[Caleb Hammer]

Park Wa.

[Sophia]

My old car. I needed 2,000 for. And then for, like, books for my school. Because it was agreed before I went to college that he would pay for them. But now I really want to pay him back.

[Caleb Hammer]

Oh, so he's not asking for it. What about the 2000? Because you should at least pay the 2000.

[Sophia]

He wants the 2000. I want to do the 4000. Because.

[Caleb Hammer]

Do the 2000. Stop it. If he agreed to pay for it, it doesn't matter. That's a gift at that point. But the 2000. Yes, you should pay back 100%. 100%. And what's weird, especially with the grandpa, is I know that your families do not support this relationship.

[Sophia]

He does.

[Caleb Hammer]

He does. But the families do not.

[Sophia]

Yeah, they don't.

[Caleb Hammer]

What do we. Why? What's going on?

[Sophia]

My family thinks that he's too verbally abusive. And the he doing. Hold on.

[Caleb Hammer]

I've been anti you right now, but if he's verbally abusive, I'm gonna the shit out of him.

[Todd]

Not verbally abusive. First off. No.

[Sophia]

She just controlling.

[Caleb Hammer]

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[Todd]

Oh my controlling if she's got to

[Caleb Hammer]

hear from your side, tell me, tell me all this stuff.

[Sophia]

They don't like the fact that he wanted me to like one stop going to college for a little bit but then would turn around and help and like be like oh, you should finish it and then that's verbally abusive. Well, no, there's more. It's like what's the verbal abuse? They really just once again don't agree with the weight thing and think that he should be supportive of trying to help.

[Caleb Hammer]

Okay, that's not verbal abuse.

[Sophia]

Well, yeah, there's. Yeah.

[Caleb Hammer]

I don't know. That's him wanting his partner to be healthy or else why would he be with his partner?

[Sophia]

That's not a bad video games and he'd rather play video games instead of spend time with me.

[Caleb Hammer]

That's not verbal abuse either.

[Sophia]

That's his main yells at me, okay, there you go.

[Caleb Hammer]

Can you tell me.

[Sophia]

Oh, I mean he'd yell at me and be like, look, I'm playing my game. Leave me alone. And I'd be like, I'm just trying to spend time with you or something.

[Caleb Hammer]

He'd be like, why are you alienated? That's not good.

[Todd]

Sometimes I'd get frustrated. I'd be playing games and I just want to break not have to think turn off my mind.

[Caleb Hammer]

I agree. But don't yell at or say, hey, I just need some time, some personal

[Todd]

space, something to work on. Absolutely.

[Caleb Hammer]

I have been so he just explodes and yells at you with that that's not good. That's not healthy.

[Sophia]

Sometimes.

[Caleb Hammer]

Yeah, that's not good.

[Sophia]

Laud when it also comes with his with his family.

[Todd]

A specific part her family's opinion on me is from the beginning of the relationship, not currently.

[Caleb Hammer]

The first time they broke up it was because he was doing too much roughhousing with her and she didn't and didn't stop when she said stop. Wait, what the is that?

[Sophia]

I guess he didn't pay attention whenever I was like, it's too much like you need to chill out and everything. And he just kept going.

[Todd]

She'd tell me to stop, and I would stop.

[Sophia]

No, you did not. There were three times that you did not.

[Caleb Hammer]

Not doing. Doing what?

[Sophia]

Well, I'm.

[Todd]

Well, we probably don't want to talk about it on the air. We'd rather.

[Caleb Hammer]

I think we do. Oh, you would rather avoid it?

[Todd]

I'd rather avoid it. Nothing. Nothing. Like.

[Caleb Hammer]

Well, so a sexual. Not like WWE said stop and you didn't.

[Todd]

Just sexual stuff. And I just.

[Caleb Hammer]

And you didn't. Three times.

[Sophia]

There was. There was one time that you did hit me that. That wasn't fun. That was in, like, the first six months of us being together.

[Todd]

Not hitting. It's spanking, first off. No, let's be very clear. It's spanking. Not hitting where it was.

[Sophia]

Not spanking where I want to. I think it was, like. I don't want to say, because it makes him look really bad. Okay, fine. You did slap me one time way too hard, like, on the face. Cause we were playing and playing. We were playing. I got too aggressive, and I told him he needed to calm down and everything, and he didn't realize, I guess.

[Caleb Hammer]

Okay.

[Sophia]

And I think I. I think I might have accidentally poked you in the butt or something that you hate. And then he, like, slapped me.

[Caleb Hammer]

So, like, actually, like, mean anguish.

[Sophia]

It hurt pretty bad, and it was not okay with me, so I stepped back for quite a bit. And it was stuff that I've talked to my therapist about.

[Todd]

Fair.

[Caleb Hammer]

Fair.

[Sophia]

And then the other times you've gotten too aggressive, you have left marks on me before, like, on my arms and stuff, because you've, like, grabbed too tight. And again, this was all, like, the first two years of us being together. Things have massively changed since we broke up. Whenever I studied abroad and then we came back, things really did change because it was part of why we took a while.

[Caleb Hammer]

That was, like, right when you graduated high school, so you were, like, 22. And she was 18.

[Sophia]

I was 19. I was 19.

[Caleb Hammer]

Yeah. No, no, no. She's right. It doesn't make you look good, but it's gotten better.

[Sophia]

Yeah, he hasn't done that in a while at all. And he listens more. Cause we more.

[Caleb Hammer]

Or does he stop when you say stop?

[Sophia]

Oh, no, he does stop. He does stop.

[Caleb Hammer]

Why wouldn't you stop when she says stop?

[Todd]

I would say I don't even do it in the first place anymore.

[Sophia]

Yeah, he.

[Caleb Hammer]

More's the point. I'm asking. Okay, so now I don't realize.

[Todd]

I don't even remember that song.

[Caleb Hammer]

So we prefer Physical abuse over verbal.

[Todd]

That's crazy thing to say.

[Caleb Hammer]

Well, not really, actually from what does have. Okay, so your parents don't support him. I think that's relatively fair.

[Sophia]

Now his doesn't support me either for. Go ahead.

[Caleb Hammer]

May as well hear the opposite side of it.

[Todd]

Well, as you know, I've had sexual issues. Complications with her generally. Well. Where are you going?

[Caleb Hammer]

When she said stop. Yes.

[Todd]

No, no, no, no. Not like that. Like sexual attraction is what I'm referring to towards the beginning of the relationship and she didn't get sex enough.

[Caleb Hammer]

Why are you dating someone you weren't attracted to? I really don't understand this. Like you. Your friends with someone who has a good personality that you don't want continue.

[Todd]

Anyway, so she put something in my drink one time to get me hard and it was for whatever reason thought it was a good idea to tell somebody in my family about this conversation.

[Sophia]

Date you kind of.

[Todd]

And. And so that word got around in my. No, I don't.

[Caleb Hammer]

You were just. You got sick and you're just walking around fucking.

[Sophia]

Oh, no, didn't work. And we both got sick from it.

[Caleb Hammer]

How'd you get sick from it?

[Sophia]

Cause I took it too. We both took it.

[Caleb Hammer]

What did you do?

[Sophia]

Well, why is this medication something you can buy at a store?

[Caleb Hammer]

Yeah. What was that though, if it wasn't a boner pill? To do what though, if it wasn't a boner pill? Because you wouldn't take a boner pill.

[Sophia]

No, it's the other thing to get you excited. It wasn't a boner pill. It was to like, activate your, like, intimacy. Whatever things. I don't know. Your next chapter in healthcare starts at

[Caleb Hammer]

Carrington College's School of Nursing in Portland.

[Sophia]

Join us for our open house on Tuesday, January 13th from 4 to 7pm you'll tour our campus, see live demos,

[Caleb Hammer]

meet instructors, and learn about our associate

[Sophia]

degree in nursing program that prepares you to become a registered nurse. Take the first step toward your nursing career. Save your spot now at Carrington Edu events. For information on program outcomes, visit Carrington Edu Sci. I just went to a store and was like, hey, what's a good thing to do? And then it was that. And.

[Caleb Hammer]

And you got by a fat.

[Sophia]

Oh, lovely, lovely.

[Caleb Hammer]

Sorry. I just had to say. I just. It was. It was.

[Todd]

Yeah.

[Caleb Hammer]

I felt like I. I feel like I've wanted to at least say it once in my life and this gave me the excuse, so.

[Sophia]

Never thought I'd hear that in my life.

[Caleb Hammer]

Well, now you did. How'd you Guys meet.

[Sophia]

We worked together.

[Todd]

We worked at a. Funny enough. You're HDB store.

[Sophia]

Hdb. Okay. Yeah.

[Caleb Hammer]

Beating women from htb. Okay. Men from hb. Dude, you guys are up.

[Sophia]

I mean, I feel like we've done a lot better now.

[Caleb Hammer]

Am I controversial for never my girlfriend?

[Sophia]

No.

[Caleb Hammer]

Okay. Just wanted to make sure. Okay. I don't. I don't think. I don't think normal. But you both of you just keep each other like it's kind of crazy. She said no. You kept going and you dropping them drugs. That's a little.

[Sophia]

Yeah. I don't.

[Caleb Hammer]

So somehow she told your family that she. You and now your family's like don't.

[Sophia]

Yeah.

[Caleb Hammer]

Date the.

[Todd]

Yeah. So she found.

[Caleb Hammer]

I think that's fair.

[Todd]

Yeah. Yeah. So just found out and so now it's just tough. Tough relationship. I guess. Just working through it, I guess.

[Caleb Hammer]

Hey, maybe better.

[Sophia]

I mean, I'd say we've done very

[Todd]

well on not doing that. So thank you.

[Sophia]

Okay.

[Todd]

Big steps.

[Caleb Hammer]

We'll put that as 2000 for the grandpa.

[Sophia]

Okay, great. Circle round.

[Caleb Hammer]

Okay.

[Todd]

Yeah.

[Caleb Hammer]

So Department of Education. Okay. So that's why a lot of these are going to stack up the multiple.

[Sophia]

Yeah, I think it's like 42,000.

[Caleb Hammer]

Glad to hear you guys are in couples therapy now, by the way. Yes, very glad to hear that because. Oh, my. Yeah, you should be.

[Sophia]

He doesn't think so.

[Caleb Hammer]

Wait, actually, I do want to go back to the. For a second, if I may.

[Sophia]

Great. Okay.

[Caleb Hammer]

If you were not attracted to her, why were you her?

[Sophia]

No, that wasn't the thing.

[Caleb Hammer]

Well, he kept going when he said

[Sophia]

no, it wasn't sexual. It was. We were play fighting and he would like.

[Caleb Hammer]

Why do you guys play fighting?

[Sophia]

Because I like to. And he used.

[Caleb Hammer]

No offense. Going up again. That's a game you're not gonna win.

[Sophia]

Actually, he does so.

[Caleb Hammer]

He does. Oh, you just gotta get like allow gravity to work.

[Sophia]

No, he's actually a lot stronger than he looks.

[Caleb Hammer]

No.

[Sophia]

Okay. Whatever you think.

[Caleb Hammer]

I mean, I just have to be honest. Just have to be honest. This is what was sent in the producer group chat currently for your play fighting.

[Sophia]

Oh, lovely.

[Caleb Hammer]

Now, Lindsay, who wants to volunteer?

[Sophia]

My bets are on Brandon.

[Caleb Hammer]

My bets are on me.

[Sophia]

God. Oh, I know. He just said.

[Caleb Hammer]

That's true. Mark is. He's going to have to hand sanitize after that one. That was a dirty drop. That was a dirty drop. Okay. Oh, student loans. That's right. So are you on a minimum payment?

[Sophia]

Oh, okay. So I don't pay anything to my student loans because I made so little that they said that what I have to do is.

[Caleb Hammer]

You guys aren't married.

[Sophia]

Zero.

[Caleb Hammer]

Okay, so 33. 38,157 for student loans? Yeah.

[Sophia]

Really?

[Caleb Hammer]

Yeah.

[Sophia]

That's a lot less than it should be.

[Caleb Hammer]

Okay, then there's something you didn't send us.

[Sophia]

There should be like nine. I think.

[Caleb Hammer]

Nine more.

[Sophia]

No, nine total.

[Caleb Hammer]

Nine what?

[Sophia]

Student loans. Student loan. Like lines from whatever it is.

[Caleb Hammer]

Credit, karma, or whatever it was from your credit report that you sent.

[Sophia]

Yeah. Then that's.

[Caleb Hammer]

We added it up to 38.

[Sophia]

No, I thought it was like 34.

[Caleb Hammer]

Unless it was more if you didn't send the screenshot.

[Sophia]

Or 45. I mean.

[Caleb Hammer]

Okay, well, it's not the biggest difference in the world. You were making it sound like you thought it was double.

[Sophia]

No, no, no, no, no, no.

[Caleb Hammer]

It's called the Apple car is paid off every month, so I'm not sure who. Whose Apple card is it?

[Todd]

Mine. I'm usually pretty good about pay.

[Caleb Hammer]

You don't try. Why do you say you try? You don't vacuum.

[Sophia]

Well, I have one credit card.

[Caleb Hammer]

Discord Nitro, Pet Care, Uber Trip and a Patreon membership.

[Sophia]

Okay.

[Caleb Hammer]

Rocketmore. We own a house.

[Todd]

I do. Yes.

[Caleb Hammer]

Well, congratulations.

[Todd]

Thank you. Thank you.

[Caleb Hammer]

Doesn't mean you're not abusive, but you do own it.

[Sophia]

Should be more than 30. Whatever.

[Caleb Hammer]

Oh, yeah. It's $60,000 to search student loans.

[Sophia]

Yeah.

[Caleb Hammer]

I don't know. I think screenshots may have been wrong.

[Sophia]

It's on 60,000 student loans. 15, 500 of it is my car total. So whatever. 60 minus whatever that is. So maybe.

[Caleb Hammer]

Okay, 45.

[Sophia]

There we go. So I was right about 45.

[Caleb Hammer]

Okay. Okay. Very good house. Well done. 7% interest. Not the biggest fan of.

[Sophia]

But.

[Caleb Hammer]

But it was the time. I get it. You didn't need to buy a house at the time. Okay, you must be on one of the extensive exer of Austin, but we won't mention which one because no way you're getting a house in Austin for this price. But. $2,218,483.71. Trust me, everyone would live in Austin if that's what it costs.

[Sophia]

That's a lot less than I thought it was.

[Todd]

200. Make extra payments.

[Caleb Hammer]

Oh, extra payments. Your mortgage instead of your credit card or your.

[Todd]

I guess so.

[Sophia]

No.

[Caleb Hammer]

You're the stupidest thing I've ever heard in my life.

[Todd]

Hey.

[Caleb Hammer]

$2,286.51 minimum.

[Todd]

Why?

[Caleb Hammer]

Why would you do that? I don't see extra paid here, but why would you do that?

[Todd]

I just want that balance down as fast as possible so I can go.

[Caleb Hammer]

It's a mortgage.

[Todd]

I want to refinance for a lower interest rate.

[Caleb Hammer]

Well, that part's fine. But wait till interest rates are lower. Then you can do that. Take the appreciation of the house.

[Sophia]

House.

[Todd]

Exactly. So the more I pay.

[Caleb Hammer]

Not necessarily though. Yes. If the. If the house doesn't gain any value, just ride the gain of the house. I agree with the refinance at some point. I don't know. Inflation isn't great right now. War that up.

[Todd]

But.

[Caleb Hammer]

Okay. So that's our debt. No, it's. We have a Mazda.

[Sophia]

Yes.

[Caleb Hammer]

And an 8.14 interest rate.

[Sophia]

Yeah.

[Caleb Hammer]

Yeah.

[Sophia]

That's pretty bad.

[Caleb Hammer]

What the are you doing, man?

[Sophia]

That's actually the lowest I could get for the time that I needed a car.

[Caleb Hammer]

Lowest you could get? Yeah. You didn't.

[Sophia]

Well, I did try to co sign with my aunt who has like excellent, excellent credit. They're tier.

[Caleb Hammer]

Well, good thing she didn't.

[Sophia]

It literally would drop at $20 a month.

[Caleb Hammer]

Yeah. And also you her. Cuz you're not the. You're the least trustworthy person I can imagine.

[Sophia]

To co sign on my first car where I was

[Caleb Hammer]

$15,865.80 at an 8.14 interest rate. Your minimum is 322.63.

[Sophia]

Yes.

[Caleb Hammer]

Okay. What do you think it's worth? Probably 15 on it.

[Sophia]

25 or so.

[Caleb Hammer]

20. But you have an equity position in the car.

[Sophia]

I do. I'm not selling my car.

[Caleb Hammer]

You don't necessarily need to because it's relatively close to that 10. But actually maybe you should because you don't have a job. But then actually you want to qualify for a loan to get a $10,000 card. So you're right. You shouldn't now. But it should be something you consider in. In the future.

[Sophia]

No, that's going to be my car that I have and I have kids and stuff.

[Todd]

Wow.

[Sophia]

Cuz it's a really damn good car.

[Caleb Hammer]

It's fine.

[Sophia]

No, it's a great car.

[Caleb Hammer]

It's okay.

[Sophia]

It is the special car for the year that it is. It's a great car.

[Caleb Hammer]

It's okay. It's a car. And other cars that all of a sudden kill babies.

[Sophia]

I didn't say that.

[Caleb Hammer]

What is this obsession? Listen, it's not the worst, but you need to have a job to have this. I would like to have this if you have a job. But you told Colton you're not trying to get a job. You Applied to nine jobs and you're trying to be a trad wife. You. This is not in the budget.

[Sophia]

I have applied to more jobs than

[Caleb Hammer]

that, and you guys fight over. Oh, listen. And maybe if you paid it off, but you guys fight over paying it off. And you should. At a 9% interest rate, you should.

[Sophia]

I was. I'm told by the person who helps with my finances in my life.

[Caleb Hammer]

And who's that?

[Sophia]

My aunt.

[Caleb Hammer]

Your aunt? She said don't pay off a 9% interest rate card.

[Sophia]

Yeah, because.

[Caleb Hammer]

Okay, then she is a.

[Sophia]

Like, you want to have more years of credit so that it.

[Caleb Hammer]

Guys, you already own a house. It doesn't matter.

[Sophia]

He owns a house. I am not on it.

[Caleb Hammer]

But you are trying to get married, so it doesn't matter anyway. The only thing you're trying to get your credit better for is a house. You're not getting a new house together, are we? Is that in the plan? That doesn't matter. Pay off the car. You're losing 9% to it yearly.

[Sophia]

All right, well, once I have a job, then I guess I'll start making doubles.

[Caleb Hammer]

Yeah, that'll never happen. So what are we even talking about? I agree with him. You should pay that off. Your aunt's a dumbass. She thinks credit is everything in the world. You'll have. Okay, credit. Okay, who's capital One? Check in.

[Sophia]

Me.

[Caleb Hammer]

Oh, guys, all I eat every day is three to four meatballs and my ranch. Okay, so Caleb comes and says, well, no, no, no, you can eat healthy. But hey, if I ate a few slices of cheesecake from Cheesecake Factory, that would be my entire caloric amount for the day. Then she says, well, good thing I don't do that. Unfortunately, actually, yes, she does. First thing on here is Cheesecake Factory.

[Todd]

Huh?

[Caleb Hammer]

That bit. Hat Creek Burger audible. Can't get up to go pick up the book, can we? I'm sorry.

[Sophia]

Actually, I have.

[Caleb Hammer]

Actually, no, I'm not. Because then he went to Krispy Kreme, so I'm not that sorry. Come on. This is like the worst calories you could ever eat. Delicious. Horrible. You can't tell me you're dieting and have Krispy Kreme, Hat Creek Burger, Cheesecake Factory within two days of each other.

[Sophia]

Cheesecake was for my. You can't.

[Caleb Hammer]

It doesn't matter.

[Sophia]

You can't tell me it's not me eating it. It.

[Caleb Hammer]

Okay. You didn't have a bite?

[Sophia]

No.

[Caleb Hammer]

Okay, well, you went to Krispy Kreme. $20.

[Sophia]

That was for our family.

[Caleb Hammer]

Yeah. Okay. Yep. Everything's not me. Shut up. Hat Creek Burger. Amazon Land and Brand. Shut up. Torrid. Il Nuevo Mexico. Taque. Taquera. How do you say it? You're Mexican. Taqueria Nuevo Mexico. Mexico. Chicago is el nuevo. You went in, you got some bullshit. Lane Bryant. Snapchat. You freak.

[Sophia]

Oh. Oh.

[Caleb Hammer]

Store Slim Chickens. No, no. Einstein Bros. It's like just sugar in a cup. Bullshit. Bullshit. Cash App. Sushi. Petco. Lowe's.

[Sophia]

Yeah.

[Caleb Hammer]

Mighty Fine Burger. That is so unhealthy. That is so unhealthy.

[Todd]

The Mighty Fine me.

[Caleb Hammer]

You can't eat the total $50.

[Todd]

Oh, no. If it's $50, that's both of us. But if it's anybody fine at $20, that's just me.

[Caleb Hammer]

Huh?

[Sophia]

You're not going to have any $20.

[Caleb Hammer]

And it's good.

[Sophia]

That was before I stopped.

[Caleb Hammer]

But it ain't the thing. Dutch bro. Sugar in a cup. Slim Chickens again. Mardel.

[Sophia]

Dutch Bros. I get zero sugar stuff. I don't.

[Caleb Hammer]

You get what?

[Sophia]

The zero sugar things and the protein. Milk stuff that they add.

[Caleb Hammer]

You know, the protein shit is never low calories. You get protein. You're the average fat person that thinks if they get something protein, it immediately makes it healthy. Protein is not low calorie.

[Sophia]

Yeah, I'm realizing that now.

[Caleb Hammer]

Oh, you're figuring it out at the middle of this episode? End of this episode.

[Sophia]

Oh, no.

[Caleb Hammer]

So USAA 2000. You started with $27. Dude. Southwest Sonic. I have to ask the question.

[Sophia]

What? Sonic? Wasn't me on that. No.

[Caleb Hammer]

Southwest dad.

[Sophia]

He went to see his dad.

[Caleb Hammer]

Do you fly?

[Sophia]

Yeah. One.

[Caleb Hammer]

Really?

[Sophia]

Yeah.

[Caleb Hammer]

Okay. Had to ask.

[Todd]

Sonic.

[Caleb Hammer]

Good morning. I'm getting educated.

[Todd]

Is not flights.

[Caleb Hammer]

That's Sonic. Dutch Bros. Apple Cash. Taggedy Market.

[Sophia]

The Texan Cafe.

[Caleb Hammer]

The Taxon Cafe. Mighty Fine Burger. He's back. Siri Foods. Apple Bill. Hulu Adobe. Listen, he keep. Well, he doesn't pay off the card that you use. But his finances are fine. He's allowed to do this. He's allowed to. I'm not going to freak out about this. Actually, he should pay off the credit card. But you use this. You need to take it from her so she doesn't use it. Apple Bell. Hulu Adobe. Mighty Fan Burger. Southwest. Apple Bell. Crunchy Roll. Apple Cash. Apple Cash.

[Todd]

Apple Cash.

[Caleb Hammer]

Bus and Buns. Hop dy. Zing Out. Animal Draft House. Turbo Tax. Dude, you're just a normal employee. Dude. Why are you spending $300 on Turbo Tax tax?

[Todd]

Well, I. I'm not really good with my finances. I have my dad help me and

[Caleb Hammer]

so you have you're a W2 job. What the.

[Todd]

Doing well, also the. The mortgage. The mortgage.

[Caleb Hammer]

You didn't have to spend 300.

[Todd]

Yeah, well, I'm okay.

[Caleb Hammer]

Whatever. HB Nintendo. Okay. What? In our sofi savings account, I'd switch to Chime. By the way, get $200 when you sign up for [e-mail], kayla. That's where I keep my. My high yield money. My Korean baby Q is not healthy. Yes, it is protein, but it is very greasy Protein.

[Todd]

Yeah, that's just a spice.

[Caleb Hammer]

5000 is havens move it to chime. But that's good because you're not bad. And you're a bad person because you beat your wife. But besides that. Well, you're right. I don't want to lie. She's not your wife.

[Todd]

Past tense at least.

[Caleb Hammer]

Oh, I did said beat. Okay, not beating.

[Todd]

Emphasis.

[Caleb Hammer]

That's all that shows that relationships desperate enough can survive anything. Okay, 81 in our fidelity. Gonna assume that one's you.

[Sophia]

Nope.

[Todd]

All the fidelities are mine.

[Sophia]

I don't have anything like that.

[Caleb Hammer]

Well, then I'm expecting something a little juicier. There it is. 5,400. That's good. Okay, definitely behind for your age. Unless there is more. 24,000. That's good. And for your income, you're getting somewhere. But unfortunately she holds you down when we calculate the retirement score. I can budget your money, but I can't budget your calories. And you're just gonna have to track this. Have you ever actually tracked your calories from how long on a daily basis you put into like my week? Do that and you'll actually learn what is the reality. Because we know for a fact. Just you stopping and getting those Cokes, folks. And you just consume more than you think.

[Sophia]

Yeah, and that's just the fact I think I consume more in like liquid than I do physical.

[Caleb Hammer]

Probably eating still counts. Doesn't matter. Yeah, if you don't move much. 372.63 is your debt. Minimum payments outside of the mortgage. Mortgage is 2,286. 51. Gas, electric, utilities. All that combined.

[Sophia]

How much gas is in car gas or is in house Gas houses around it too.

[Todd]

About. About 1,000 for all utilities. Yeah, sorry. I count groceries in there, so we'd say like 700.

[Caleb Hammer]

Okay, well, your groceries are going to be higher because you're going out to eat less. But groceries, yeah. Necessary food, 600 bucks. Meal plan, meal prep. That's based off of HB, your favorite place in the world. Gas of Vroom Vroom.

[Todd]

Drive.

[Caleb Hammer]

Drive. How much?

[Sophia]

It's different for both of us.

[Caleb Hammer]

I know.

[Todd]

Combined, I spend 100amonth.

[Caleb Hammer]

Okay.

[Sophia]

I spend like almost 300amonth.

[Caleb Hammer]

What is wrong with you?

[Todd]

You.

[Caleb Hammer]

400. How? You don't have a job.

[Sophia]

I drive to see my family to help them out and they pay me sometimes and then I'm driving.

[Caleb Hammer]

I'm not saying enough for that. Based on what you told me earlier.

[Sophia]

Yeah. No, they don't.

[Caleb Hammer]

You're So I drive. Car insurance.

[Sophia]

How much I have to pay? 200amonth.

[Todd]

Mine's basically 100 rounded phone bill.

[Sophia]

Nothing for me.

[Todd]

Mine was.

[Caleb Hammer]

Is. Tell me Is.

[Todd]

Well, starting next month it's gonna be 180 for the year.

[Caleb Hammer]

Are you paying it for the year?

[Todd]

Yes.

[Caleb Hammer]

Okay, that's fine. You just take care of that as needed out of the TP fund. TP fund. Anything else to survive? 250. Anything else you need to survive on a monthly basis. You. Okay? You do therapy? What is it like? It's like a.

[Sophia]

It's free.

[Todd]

What?

[Sophia]

Yeah, there's insurance. It's free.

[Todd]

30.

[Caleb Hammer]

Wait, was it. It was there.

[Sophia]

I have therapy and then I have psychiatry. Psychiatry is 30.

[Caleb Hammer]

How much a month for co pays?

[Sophia]

Oh, once a month, maybe less.

[Caleb Hammer]

How much a month for co pays? A number.

[Todd]

30amonth. Just put 30amonth.

[Caleb Hammer]

Is there a gym?

[Sophia]

No home gym subscriptions.

[Caleb Hammer]

I'll get 50. You have any pets?

[Sophia]

Two.

[Todd]

Yes.

[Caleb Hammer]

What?

[Sophia]

A almost three year old chow lap mix and then a almost two year old pit husky mix.

[Caleb Hammer]

Hundred dollars. Pet insurance. How much for pet food?

[Sophia]

We don't do pet insurance.

[Caleb Hammer]

Exactly. I'm telling you to too.

[Sophia]

No, we don't. We choose when I.

[Caleb Hammer]

No, you will.

[Todd]

Now when I did do pet insurance, it was 120 for one for both of them.

[Caleb Hammer]

Okay. You're gonna get good pet insurance. You have to shop the market. It's annoying, but you have to do it. Well, I don't know about that one, but you have to do it because you will not be able to afford. You guys. Clearly you go into carecredit debt if an Emergency happens.

[Todd]

Right?

[Caleb Hammer]

100. Pet insurance. How much for pet food?

[Sophia]

It's about $100 a month.

[Caleb Hammer]

Okay.

[Todd]

Yeah.

[Caleb Hammer]

Anything else that needs to be in this budget that I have not put in this budget budget.

[Sophia]

Can you think of anything?

[Todd]

No.

[Caleb Hammer]

Oh, yeah. Even with the money you guys come in, you're hundreds behind. You need to stop being pathetic and go get a job. You got a mortgage that is way too expensive for your income. It's 50% of your income. That's insane. That was a horribly stupid choice to make.

[Todd]

Yeah.

[Caleb Hammer]

You can't budget your way out of this, guys. This isn't budgeted. This is. You need to go make more. More money or you need to go work a second job if she's not willing to step up. Which so big choices to make. But that's it. You can't. You guys are behind by like $500 a month. Yeah. For minimum expenses.

[Sophia]

That's my expenses.

[Caleb Hammer]

Yeah, that. No wonder that credit card is not being paid off. And it's only going up that usaa.

[Sophia]

Yeah.

[Caleb Hammer]

So this is all. Guys, go get a job. Any job. I don't care. 500 makes you break even. Make. Make a thousand. And all of a sudden we're starting to talk progress. Size of student loans. All of a sudden. What the.

[Sophia]

What the.

[Caleb Hammer]

What the. Grab it out of 2000. The car. Well, maybe okay. With the car and stuff. Yeah. It'll take a couple years. No, no, no. It'll take like a year and a half with the car. Okay. But still. Grandpa credit card. Car. Year and a half done. If you make a thousand bucks. No, 1500 for that. But still, if you get a normal job, you can. We just gotta stop being pathetic. The way out's easy because the debt's not that bad Right now you're under. Because you won't apply for a job that isn't your special little perfect job. And if you stick with that, that's your choice. Join us for the Post show. She is going to try to get some money because she is going to call her friend and confront her that we talked about earlier in the episode. That is that she lent money to that has not paid her back yet. So we are going to do that. And there are some more things to talk about. This dude wants to start a company. What the. So, so. Okay. So there's a lot to talk about on the post. Let's get the hammer. Financial score first. Spending in a budget for the household. You overspend. 010 debt. No collections. Family debt though. That's going to bring it down to a 1 emergency fund. There was savings. But for the household, it brings it down. It's going to be about a 3 out of 10 there. Retirement. Same thing. It would have been almost like an 8 or a 9 out of 10 for you. But since she's a part of it. Oopsies. Four out of ten. Real estate. That's a good part. What's the house worth?

[Todd]

240.

[Caleb Hammer]

Okay. It's okay. Interest rate's not great. It's not my preferred 6 out of 10 actually for the. No, the mortgage is way too expensive for you. 5 out of 10. It's actually a dangerous house to get into. I I wanna, I want to bring that down, but I'm not to Going on a Hammer Financial score. Get yours@caleb hammer.com yours is 3 out of 10. Click join join hammer elite best membership on YouTube 100,000 active members on a monthly basis for a reason. It's incredible the value provided. Three premium shows every single day, six days a week. It's awesome. Everyone loves it. Come join us in the PO Show.

[Sophia]

Are you able to pay me back that money yet? Girl, you know I'm broke. Yeah, but you also know that I don't have a job right now and like 60 bucks is 60 bucks. Like that's easily a tank of gas for me.

[Caleb Hammer]

You surround yourself with bad people.

[Todd]

If I don't surround myself with bad people and I worked better myself, I would expect that you'd do the same.

[Sophia]

Yeah, but you also know that I don't have friends because since you don't want to go out and do stuff, I just stay home.

[Caleb Hammer]

I just launched the brand new Hammer Elite app available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus I have an exclusive offer offer just for you. But I'll only have a thousand available to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join. And that's a promise. This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome? That's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50 page restoration block. Or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it, ready to make anything online make sense. There's no place like Chrome. Check responses Setup required compatibility and availability various 18.