Financial Audit's Most Evil Husband

Summary

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Podcast Summary: Financial Audit – "Financial Audit's Most Evil Husband” (June 26, 2026)

Host: Caleb Hammer
Guests: Callie (28, Property Management) & Drew (29, Public Safety)
Location: Dallas-Fort Worth area

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Episode Overview

In this intense and often chaotic episode, Caleb Hammer sits down with couple Callie and Drew to dissect their financial situation and relationship dynamics. Despite combining for over $200,000 in annual income, the couple struggles with out-of-control spending, poor communication, mounting debt, and a rocky partnership. Caleb digs deep into their household finances, their arguments, and underlying personal resentments—exposing both the mathematics and psychology driving their money mess.

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Key Discussion Points & Insights

1. Relationship Dynamics & Communication Issues

• Common-Law Marriage & Family Status:
  • Together 8 years, 3 kids (6 years, 20 months, 6 months).
  • Not legally married, but identify as husband and wife.
• Major Communication Breakdown:
  • Both admit, “lack of communication” is at the root of many problems ([13:00]).
  • Routine arguments about who manages money, budget, and household tasks.
  • Callie: "It ends in a fight. Always. He thinks he's right. I think I'm right." ([14:06])
  • Drew: “We discuss income and bills, but when life happens, the budget just gets thrown out and it's hundreds of dollars here, hundreds there…” ([14:19])
• Household Roles:
  • Callie claims she manages most child-rearing and house work, Drew often “checks out.”
  • Drew works rotating shifts (24-hour short weeks, 48-hour long weeks), claims exhaustion limits home help.
  • Constant finger-pointing on who’s overspending or not contributing.

2. Income & Lifestyle

• High Income, Low Savings:
  • Callie earns $96,200/year; Drew over $107,000/year—household gross over $200,000 ([12:30], [13:00]).
  • Median income for their area is around $70,000.
• Despite this, they often fight about affording groceries or paying bills.

3. Out-of-Control Spending & "Budget Hopping"

• Budgeting Attempts:
  • Attempt budgets but immediately abandon them in practice.
• Major Expense Areas:
  • Eating out: "2,000 a month on food. $1,000 eating out, $1,000 groceries." ([34:50])
  • Child-related spending: Hundreds on kids' clothes at a time; $2,570 financed dog; multiple large Amazon charges.
  • Hobbies: Pottery, gym memberships (Lifetime, Pilates—$765/month).
  • Vehicles: $38K SUV and F-150 lease—car payments total ~$1,500/month ([89:36], [91:11]).
• Notable quote:
  Caleb: “You make $200,000 a year… and you're telling me you can't get groceries? You shouldn't even be freaking out about a $500 purchase.” ([12:33])
• Impulse Buys & Amazon Use:
  • Each accuses the other of hiding or not reporting purchases; both defensively list each other's "wasteful" items.
  • Recurring Amazon spending: both work nonsense and personal items.

4. Credit Card & Debt Problems

• Heavy Reliance on Credit:
  • Multiple credit cards maxed out, several personal and consolidation loans.
  • Drew opened cards for "points chasing"; makes only minimum payments while racking up more debt ([57:00], [85:31]).
  • Two recent consolidation/personal loans: one for daughter’s dental care due to lack of insurance ($5,600 at 32% interest), another for prior debts ($10,000 at 24%).
• “Avalanche” Debt Payoff Myth:
  • Drew references using the “Avalanche Method”—Caleb calls BS, noting they spend more than they pay.
• Total unsecured debt:
  • $68,000+, not including their mortgage ([103:37]).

5. Household & Parenting Frustrations

• Resentments Over Workloads:
  • Callie feels like “a brood mare” left to raise and support the family ([47:33]).
  • She outright states: “I don’t trust him with our kids,” citing episodes where Drew falls asleep on the job ([48:26]).
• Sibling Housemate:
  • Callie’s sister lives rent-free, supposed to help, but doesn't consistently contribute.
• Emotional Fallout – Divorce Plans:
  • Each reveals they've thought about or planned for divorce if things don’t change ([42:10], [43:00]).
  • Drew admits: “I have an out plan…” ([42:10])
  • Callie: “If I leave you, I’m living alone and the kids will go to you for a week. That is literally the plan. That’s called divorce.” ([43:11])

6. Values Clashes & Grievances

• Gifts with “Strings Attached”:
  • Callie feels even gifts from Drew come with obligations/expects reciprocation ([39:32]).
• Cultural/Community Complaints:
  • The couple expresses resentment that their HOA and local school policies favor other cultural communities, which Caleb steers into a broader criticism of misplaced priorities ([66:13]).

7. Missed Opportunities & Repeated Mistakes

• Prior Loan for Daughter’s Dental Work:
  • Sought high-interest loan (32%) rather than waiting for insurance coverage ([81:32]).
• Financial Secrecy:
  • Drew has opened and used credit cards and loans without informing Callie, impacting their ability to buy a home ([80:12]).

8. Caleb's Financial Diagnosis

• Blunt Feedback:
  • “You’re acting like children.” ([7:30])
  • “You both f***ed up in very clear directions and neither of you seem like you want to make any ground…” ([29:48])
• Immediate Prescriptions:
  • Meal prepping, budgeting (recommends Dollar Wise app), radical spending reduction, communication overhaul, and couples therapy.
  • “This isn't the end of the world. Or two and a half, depending if your income is purely stagnant. But you have to make a change. You have to make a sa**cri. More credit card spending. It's all in the debit.”

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Notable Quotes & Memorable Moments

• On Budget Coordination:
  Callie: “I haven’t had to ask someone, Can I go buy this?... I haven't had to do that my entire life.” ([5:22])
• On Eating Out:
  Caleb: “A thousand dollars went out to you last month… but $1,000 going to food. Eating out actually because groceries was an additional thousand.” ([34:50])
• On Personal Responsibility:
  Drew (defensive): “I do try my hardest to make sure that they are... safe...” ([20:15])
• On Emotional Exhaustion:
  Callie: “I'm honestly very tired. I would not be crying right now.” ([29:14])
• On Planning for Divorce:
  Drew (about his out plan): “I have an out plan, body…” ([42:10]) Callie (on her hypothetical post-divorce plan): “I'm living alone and the kids will go to you for a week. That is literally the plan. That's called divorce.” ([43:11])
• On overspending (vacuum example):
  Drew: “Apparently denying vacuum when we have two working vacuums is controlling...” ([32:59]) Caleb: “Guys, you make $200,000… where's all the money going that would go to that instead?” ([33:35])
• On the Cycle:
  Caleb: “This is the easiest situation ever. It's disgusting that you're in it. It's disgusting that you're not getting out of it. It's not complicated. Communicate. Go with the couples therapies. Figure it the f*** out…” ([104:55])

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Timestamps for Key Segments

• [01:21] Introductions ("Financial Audit’s Most Evil Husband")
• [05:07] Combining finances after 8 years; trust & control issues
• [06:10] Arguments over budget-sharing and spending opacity
• [13:00] Both admit to years of mismanagement, not just low income
• [20:55] Discussion of exhaustion, domestic responsibility, and household resentment
• [29:48] Emotional burnout, future of the relationship, divorce "out plan"
• [33:05] The "Dyson vacuum" fight—examining necessity vs. affordability
• [38:11] Callie’s sister living rent-free, supposed to help with kids
• [42:10] Drew reveals divorce “out plan"
• [47:33] Callie: "I don't want to feel like a brood mare…”
• [48:26] Callie: “I don’t trust him with our kids…”
• [57:00–90:00] Detailed breakdown of cards/loans; where the money goes
• [103:37] Total debt tally, budgeting problem recap
• [104:55] Hammer Financial Score (3/10); prescription: cut spending, communicate, therapy

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Tone & Atmosphere

• Tone: Accusatory, blunt, sometimes humorous but always unfiltered.
• Caleb’s style: Sarcastic, exasperated, unsparing—pushes guests to own their behavior.
• Dynamic: The conversation swings between laughter, bickering, and tense admissions of failure, with moments of vulnerability and fatigue, especially from Callie.

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Final Thoughts

• Caleb diagnoses the couple’s crisis not primarily as a numbers issue (income is more than sufficient)—it’s overwhelmingly a problem of discipline, lack of shared systems, and personal discord. Both need to overhaul their communication, stop the blame cycle, radically reduce “bullshit" spending, and possibly seek professional help for their partnership. The episode serves as a cautionary tale: high income does not insulate anyone from financial disaster if fundamentals are ignored.

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Hammer Financial Score:

• 3/10 (barely). Only their home equity saves them from total disaster.

Caleb’s Closing Recommendation:

• Budget. Cut spending. Communicate in good faith. Go to therapy before it’s too late.

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(For full detailed context, refer to timestamps above.)

Transcript

[Caleb Hammer]

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[Callie]

I don't trust him with our kids.

[Caleb Hammer]

That's not the greatest thing to hear from our wife. But he did tell Lindsey something before you were supposed to come up. He has an out plan.

[Callie]

I'm living alone and the kids will go to you for a week. That is literally the plan. That's called divorce.

[Caleb Hammer]

I have an exclusive offer just for you. But there's only one week left to purchase. You'll get lifetime access to the entire Hammer Elite catalog. My Hammer for Life box packed with limited edition merch. Plus, 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 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.

[Callie]

Hi, I'm Callie. I'm 28.

[Drew]

I'm Drew. I'm 29. We're from the Dallas Fort Worth area

[Callie]

and this is Financial Audit. Welcome.

[Caleb Hammer]

Thanks for coming down to Austin, guys.

[Drew]

Thanks for.

[Caleb Hammer]

Listen, no, you're welcome. You're welcome. I. I know I need to be a part of this conversation. I looked at the note for the episode. Don't know much else about y'.

[Callie]

All.

[Caleb Hammer]

But I know one of you says I'm the financial audit of the relationship, which I've never heard that before. And I need Caleb to help me essentially reaffirm that. Who is financially auditing each other in this relationship? I don't know if, as the financial audit guy, by the way, I do not financial audit my relationship. I don't know how long my relationship would ask if I was financially auditing and Caleb hammering my own relationship on a daily basis. I think she would murder me. Who's financial auditing each other and who's murdering each other.

[Drew]

So I'm trying to financially audit Cali.

[Caleb Hammer]

Okay, Good luck.

[Drew]

Yeah, I need it.

[Caleb Hammer]

So what's going on? What?

[Drew]

What?

[Caleb Hammer]

Are you financially auditing Cali? Are you guys Married?

[Drew]

Yes.

[Caleb Hammer]

Just some baselines.

[Callie]

I said no.

[Caleb Hammer]

How the. Are we disagreeing on marriage? That doesn't make sense. That immediate. I'm gonna be honest. What the.

[Callie]

Okay, we're not legally married. We are, quote, Texas common law married.

[Caleb Hammer]

Okay. So what do you. What do you guys call yourselves?

[Callie]

Husband and wife.

[Drew]

Husband and wife?

[Caleb Hammer]

Yeah. Then why do you say no, you're

[Callie]

common lawyer from, like, a legal standpoint or.

[Caleb Hammer]

You got the common law protection.

[Drew]

You establish a common law marriage.

[Callie]

Okay, then, yes, we're married.

[Caleb Hammer]

Okay. How long have you, I guess, been together?

[Callie]

We've been together for, like, eight years.

[Drew]

Yeah, about eight years, I think.

[Caleb Hammer]

Why the. Why not just get married?

[Callie]

Number one, Very expensive.

[Caleb Hammer]

Not really. Go to the courthouse.

[Callie]

Okay. I want to. I offered that. And then his parents said that his parents we should have one for the family to bring.

[Caleb Hammer]

Okay, so now we just have none at all. Should be your response to the parents. I mean, you guys are doing. I pulled up to work all happy, all excited to get here, get myself a cup of coffee, and I saw you guys flinging dirty diapers in the parking lot. You guys are breeding. You ain't married. Common law. You guys have been together, but you're breeding. There's children in my office. I don't know how many, but there's noises as I was going out there right before filming. How many kids y' all got together?

[Callie]

Three.

[Caleb Hammer]

Oh, and you can't even get married. That's weird. How old?

[Callie]

Six, 20 months and six months.

[Caleb Hammer]

What?

[Callie]

Six years old? 20 months and six months.

[Caleb Hammer]

Okay. Why 20 months? It's the biggest.

[Callie]

Because he's not two years old.

[Caleb Hammer]

He's basically.

[Callie]

Say that to him.

[Caleb Hammer]

Okay, he's basically two.

[Callie]

You argue.

[Drew]

I lost track of the months. I just say that he's gonna be two in September.

[Callie]

No, you don't. You go, mm, I don't like that.

[Caleb Hammer]

Okay, so six years. 20 months and six months.

[Callie]

Yeah.

[Caleb Hammer]

Okay, so. Well, we're on a roll. Sounds like you guys are pumping them out quickly now. Is there a fourth because you went from 21 six months? No, it's on the table, but, like, years away. See, again, you guys aren't aligned. What? What?

[Callie]

Well, you say if. If you ask if another one's coming. I'm assuming, like, right now.

[Caleb Hammer]

No, we're about to turn 30. When's the year's away? You know what's happening. Okay, well, you'd be okay, I guess, but just start heading towards the cliff.

[Callie]

Well, yes, I guess.

[Caleb Hammer]

Watch as if we're making plans. Right. I don't know.

[Callie]

Yeah.

[Caleb Hammer]

Are you raw doggin? Yeah. Okay. So I don't think it's necessarily five years away. Could be if we plan it right. Absolutely. But it could happen at any time it's happened on the show. It's likely. Were all them intentional? Exactly.

[Callie]

No.

[Caleb Hammer]

Exactly. No. And neither was I. This is biology. Welcome to come.

[Callie]

We just recently combined everything.

[Caleb Hammer]

Eight years in.

[Callie]

Yeah.

[Caleb Hammer]

Well, I think I understand the. Why you guys broke up and then you found out you were pregnant, so you're just like, oh, it. We'll do it.

[Callie]

Well, no, we got pregnant after we got back together.

[Caleb Hammer]

Okay.

[Callie]

But no, we just recently combined everything. And so with that, he's trying to have more control over it. And I don't like that because I haven't had to do that my entire life. Have I had to ask someone, can I go buy this?

[Caleb Hammer]

So you guys are married. It's not necessarily permission on everything, but it is a conversation whether or not we can afford it in the budget in order to hit the goals that we're trying to get to as a couple.

[Callie]

That'd be correct if that was shared with the class.

[Caleb Hammer]

If what? Share your shit. Tell you. Share with the class. What the. I'm trying to get some insight. Tell me.

[Callie]

Tell you what?

[Caleb Hammer]

What's going on. Why are you saying that? What does that mean?

[Callie]

I have no clue. So in all honesty, I.

[Caleb Hammer]

What is going on then for you to say that you just have no insight? Is that what you're trying to tell me?

[Callie]

No, I don't.

[Caleb Hammer]

Okay. That's what you could have said.

[Callie]

Yeah.

[Caleb Hammer]

Okay, so why.

[Callie]

Because he puts it on a little black book while he works overnight and then doesn't tell me about it and. Or it's on an app on his phone now and then doesn't show us, like, the budget. Doesn't show me the budget. We don't have any conversations about it. Why can't she know?

[Caleb Hammer]

Well, it's not that she.

[Drew]

It's not that she can't know we have conversations about it. I'm not trying to hide. She's saying everything that's going on.

[Caleb Hammer]

She's.

[Callie]

Okay, well, what he doesn't actively try, and I've told him multiple times, we need to schedule a time, like on a Sunday, sit down, fix our budget, plan out, like, meals and stuff together, and this is what we need to do and, like, plan out our grocery list and all of that good stuff. But he has yet to, like, try that. I'm still the one making the grocery list.

[Caleb Hammer]

Wait, but he. He was Saying in the pre interview that it's all your fault. You weren't even supposed to be on. We just luckily convinced you to come on. Because he was saying it's all your fault and all your spending. But you're saying he's not willing to put in the effort or try.

[Callie]

But then he makes, like, massive payments on cards and then I don't.

[Caleb Hammer]

Cards? Yeah. Paying off debt. Wouldn't that be good?

[Callie]

Correct.

[Caleb Hammer]

What's wrong with that?

[Callie]

But if I don't know about it in our budget and I'm planning to, like, grocery shop, and then money goes out and then I don't know.

[Caleb Hammer]

How tight is it? What do you guys do? What do you. What do you do for work? Cali.

[Callie]

So I work in real estate.

[Caleb Hammer]

Well, in what context?

[Callie]

I work in management. Property management.

[Caleb Hammer]

Okay. Okay. That could make money. I don't know. So what do you make?

[Callie]

I make $96,200 a year.

[Caleb Hammer]

Okay. Go yourselves. How possibly are we talking about? We made a payment on a car. Now we don't know if we can get groceries if half of our income is $96,000 a year. Die. What the is wrong with you? That's. You're acting like children. If you're saying making a payment on a card prevents you from getting groceries, you're being children.

[Callie]

It doesn't prevent. But it does kind of throw things off when I'm not.

[Caleb Hammer]

No, not a year for half the income.

[Callie]

I'm not on the Wells Fargo account. I'm not on the Amex account. And he goes and does stuff with the Amex and makes the payment with the Wells Fargo and buying.

[Caleb Hammer]

The problem is that, exactly like you said, communication.

[Drew]

We make money. We have sat down and built out a budget, and then the second life starts happening. We just throw the budget out the window, and it's hundreds of dollars towards this, hundreds of dollars towards that. Stuff that's not in the budget. Stuff that we don't actually need.

[Caleb Hammer]

What. What are we getting that we don't need? Who's getting what we don't need? How often? Well, you're crying and complaining that you couldn't get groceries, but you're getting shit you don't need. So it's. That's not the same thing.

[Callie]

It's not the same.

[Caleb Hammer]

What is she getting? What is she doing?

[Drew]

I mean, it's everything. It's clothes for herself, you know, shoes. I don't even know what she's getting on Amazon, but shit just keeps showing up almost every single day. And then, not to mention all the new hobbies that she picks up. Have you ever seen how expensive pottery is?

[Caleb Hammer]

Pottery? Oh, why the are you picking up? Listen, I mean, still a hobby. Hobby's fine. You guys make money, you can get a hobby, but you gotta have a fully funded emergency fund and no bad debt, right? And even if you. Even if you have those things, stick to a hobby. Don't hobby hoppy or a hobby hopper.

[Callie]

I am a hobby hopper.

[Caleb Hammer]

If you're a hobby hopper, you can't afford to be hobby hopping. You should be able to at 96,

[Callie]

I like that hobby, but I set out to learn something new this year, and I wanted to learn new this year.

[Caleb Hammer]

Okay, how many new things is she Lear this year?

[Drew]

So this year I think it's just the pottery so far.

[Caleb Hammer]

Okay, well, how much is it costing?

[Callie]

96,000.

[Caleb Hammer]

You should be able to do pottery. You can do pottery. 96.

[Callie]

Pottery is very expensive.

[Caleb Hammer]

96. You can do it. You alone are making more than the median household income in the DFW area in the United States.

[Callie]

We should be able to afford that. I agree.

[Caleb Hammer]

You can. If you're not all up and on

[Callie]

all the Amazon packages. My good sir, that's all for work currently.

[Drew]

That is not all for work.

[Callie]

All of the packages that are for

[Caleb Hammer]

the ones that are coming for work.

[Drew]

The ones that coming right now or for work, your company's paying for that,

[Callie]

but over the last six, I bought one out.

[Caleb Hammer]

Why do you refuse to show them your Amazon account, though? I'm being told that I've.

[Callie]

You pull out my phone. We can pull it up right now. You can have it, buddy.

[Caleb Hammer]

Why have you refused to show it up until this moment, though?

[Callie]

I've never refused. I've gone through it.

[Caleb Hammer]

Why are you saying that then? Why are you telling. Why are you telling Lindsay that you refuse that she refuses to show you?

[Drew]

I think it's because she doesn't want me to see all of the stuff she's saying.

[Caleb Hammer]

She doesn't refuse, though.

[Callie]

So

[Caleb Hammer]

just like now, if she.

[Drew]

If she would ask. Well, if I would ask.

[Caleb Hammer]

No, we'll look at that later. But you specifically told us that she refuses to show it, but she's saying no, no, no. Why don't.

[Callie]

He's never asked. He's never said anything.

[Caleb Hammer]

So you're saying he refuses to show you the finances. She's. He's saying you refuse.

[Callie]

I've asked. That's the difference is I ask. I say, hey, what are we? Like, what. What are we. What's our budget? And then he wants to throw out that I go and buy all these clothes. And he has set $100 like clothing fund within our budget. And I don't ever bought every single month. Right, But I've only bought one outfit for myself in like two months.

[Drew]

Absolutely not true.

[Callie]

I bought a shirt, a pair of pants, and then last month I bought two dresses.

[Drew]

Okay, how about last month when we. That might have even been just three weeks ago. We went to the sporting goods store.

[Callie]

I bought a bathing suit and a bathing suit.

[Drew]

You spent $400.

[Callie]

And then we bought a couple of things. And that's honestly because the store we went to, that's very expensive. I bought a bathing suit, a bathing suit cover up and then a workout outfit for the gym. Like that was it.

[Drew]

And it was $400 bathing suit.

[Callie]

It's. Well, you can't wear your bikini out in the middle of public. Right? Public indecency laws.

[Caleb Hammer]

Is this true?

[Drew]

That is not true.

[Callie]

I've lived. Well, lifetime has the rule that you can't walk out out of like the dressing room.

[Caleb Hammer]

Okay, whatever. That's. That's not the big point. Okay, you complained. You. You made the excuse it was dependent on the store. Why'd you go to that store then?

[Callie]

That was just what was closest to his parents house. And we were going.

[Caleb Hammer]

If you're gonna go to another place.

[Callie]

Well, I mean your entire excuse for that.

[Caleb Hammer]

Which by the way, again, you guys can afford a $400 purchase. So we haven't even talked about your shop. You should be able to median household for your metro 70,000. Yeah. You make 94. You not even him included. What do you do for a living?

[Drew]

I work in public safety.

[Caleb Hammer]

Public safety usually pays well these days. What do you make?

[Drew]

So I make a shade over $50 an hour.

[Caleb Hammer]

Guys, what the are we doing? What does that translate to?

[Drew]

Around 107 annually.

[Caleb Hammer]

You make 200,000 hours a year in an area where the median household income is 70 and you're telling me you can't get groceries? You shouldn't even be freaking out on about a $500 purchase. How have you guys f. Cked this up so bad? And then you guys don't even have the same conclusion in the end about what it looks like today or how it's gotten there. What has happened? Yeah, lack of communication. But I don't know which side's correct, if any.

[Drew]

Well, it's not just a lack of communication. We have spent so long living above our means that above 200 a year. It wasn't always 200. That's only been in the last year and a half or so.

[Callie]

What?

[Caleb Hammer]

Year and a half is great. So even still, last year and a half, let's say you lived above your means before that last year and a half. You should be able to pay that down. So what the are we doing? What is that? What is.

[Callie]

I think it's just mismanagement of money, to be honest.

[Caleb Hammer]

From.

[Callie]

From probably both parties.

[Caleb Hammer]

Would you say both parties?

[Drew]

To an extent, yeah.

[Caleb Hammer]

Okay.

[Callie]

I spend, but he doesn't communicate what we need to pay and when and how those payments are aligning. Like, I know that he is set up how we're gonna. What is it your payment method for, like, paying things off?

[Drew]

Oh, the Avalanche.

[Caleb Hammer]

Who's Avalanche? Okay. Yeah, that doesn't work if we spend more money on them anyway, so he's probably not doing Avalanche. I don't know. People have this in their mind, then they don't even touch it. Yeah, that was the plan. Immediately spent only did the minimum payment on the top card and then spent double the balance. I was already on it. So Avalanche. You. What are you talking about? There's no Avalanche. How do the financial conversations go in this household?

[Callie]

Not well.

[Caleb Hammer]

Tell me.

[Callie]

It ends in a fight. Always. He thinks he's right. I think I'm right. We butt our heads, and then what's the perspective?

[Caleb Hammer]

Tell me. Give me like, the most recent example.

[Drew]

So my plan is we discuss how much is going to come in. Our. Our income is pretty set in stone with the exception of any overtime that I get. Yeah, that's just extra. And so then we can build out, you know, if we're going to spend a thousand dollars on groceries every month, we know what our mortgage payment's going to be. We know what the car payments are going to be. We know what our utilities are going to be. And then we should have X amount left over to. In this case, or given our circumstances, we need to be able to apply that to the debts. But instead it just gets spent on other things. And then the conversations are usually, well, you know, we have. We have to do this. This is coming up. We need to make sure that we can put this money towards this or the second we get any unexpected money, instead of applying that towards our existing debts, it's. I think we should do this with it instead.

[Callie]

But that's always a conversation. And he typically agrees to it. It is never me deciding, what do you mean?

[Caleb Hammer]

How did that turn into a fight? I said for a recent example, but you guys say you're fighting. What was.

[Callie]

Because we argue about where money goes and then he gets angry about what I spend money on. So if I go and buy my daughter something he gets. He will argue about that or that she doesn't need this or whatever example

[Caleb Hammer]

is what I'm asking for. That's what I asked for. Guys.

[Callie]

We went and bought clothes.

[Drew]

Clothes, okay, $890 of clothes.

[Caleb Hammer]

Yeah, it's expensive.

[Callie]

All three kids.

[Caleb Hammer]

You should be able to afford it. In your budget, though, you should be able to. What was the argument?

[Drew]

It wasn't budgeted. She said, I'm going to go to Target, I'm gonna get a couple of clothes for the kids.

[Callie]

I said, I'm going to get all summer clothes because they all need it. They are all in the next size up at the very same time.

[Drew]

And then without any further conversation, it was, I'm buying their full wardrobes for the next four to six months when we don't have that kind of money available.

[Caleb Hammer]

That doesn't make sense. You don't have any of that.

[Callie]

I bought six shirts for my six year old, four pairs of pants, two dresses, and a pair of shoes and underwear. Damn.

[Caleb Hammer]

Why'd you gotta get so much in one go?

[Callie]

What do you mean? It's. There's seven days in a week. Sure.

[Caleb Hammer]

She didn't have anything else. And there's no hand me down from the previous.

[Callie]

She's the oldest.

[Caleb Hammer]

There's no family members. I don't know.

[Callie]

So there was nothing confirmed.

[Caleb Hammer]

There was no other clothes for her to wear.

[Drew]

Her closet's full. She's borderline on something.

[Callie]

She's in 40. What do you mean it's full? Half her butt is hanging out in her bike shorts. Her shorts are.

[Drew]

Yes.

[Callie]

Her shirt lifts up and shows her tummy whenever she's out. Do you really want her walking around with her belly and butt out?

[Caleb Hammer]

She's fat.

[Drew]

Obviously not. No, she's not.

[Callie]

No. She's very lean, but she's very tall. So like the skirt we bought her four months ago, or I mean, six months ago at this point, doesn't fit.

[Caleb Hammer]

Then why in this moment did you text and call him and say I up?

[Callie]

I texted him at checkout and was like, okay,

[Caleb Hammer]

now is not up.

[Callie]

That was literally my text. I up. And he said, oh, did you though?

[Caleb Hammer]

Cause right now you're saying you clearly,

[Callie]

I don't think I did. I don't think I did.

[Caleb Hammer]

Then why'd you text him you up?

[Callie]

Because I knew he'd be mad about the cost. But then he doesn't ever go buy Their clothes.

[Caleb Hammer]

What store?

[Callie]

Target.

[Caleb Hammer]

That's not unreasonable.

[Callie]

Like, I wasn't going to Justice. I wasn't going to.

[Caleb Hammer]

I don't know what that is, but just, it's a girl store.

[Callie]

Well, I wasn't going anywhere crazy. It's Target. And it was $5 Cat and Jack shirts and bike shorts.

[Drew]

Yeah, I'm not saying that the entire purchase was completely unreasonable, but maybe a little heads up that we're spending almost $1,000.

[Caleb Hammer]

Heads up is fine. Did he know? Did he know you were going to.

[Callie]

He did know. I, I told him. I.

[Caleb Hammer]

So what was the. What did he think was happening?

[Callie]

He probably thought I was gonna spend like $200. But then again, had he ever gone and bought clothing for our children, he would know.

[Caleb Hammer]

Is that what you all have? Negotiated responsibilities around the house? No.

[Callie]

No.

[Caleb Hammer]

Okay. Cuz I'll be completely honest. In her pre interview, she says you're lazy around the house, that you check out at the house, that you just show up and you're just a bad partner. Partner. Yeah, that. Well, that is what she said. Yeah, I. I'm not perfect, but not perfect. I mean, she made it sound a little worse, like you just don't contribute. So like. Yeah, you wouldn't have any perspective in buying clothes and whatnot if you don't help.

[Callie]

Like when was the last time you went and bought them clothes? Give me an actual time, a time frame. When you went with me or whenever you went and bought them yourself.

[Caleb Hammer]

I don't know.

[Drew]

I mean in the last six months or so I've been there.

[Callie]

Pair of shoes a month ago and before that. Can you give me another example?

[Drew]

Not off the top of my head, no.

[Caleb Hammer]

Okay, what is this lack of helping around the house then? Cause that's going to buying clothes. But I want more perspective into this.

[Callie]

So he works nights. So on those nights he takes a short nap the day of or he has the kids. I work full time and throughout the day. So he has the kids and we have two small ones that don't always lean the most ability to clean, which is okay. But then he has the two days that he's off and he does jack shit the entire time. He rarely gets up and then the last day that he's off. So like if he works Tuesday and Wednesday or Wednesday and Thursday, he doesn't really do anything until Friday evening or Saturday.

[Caleb Hammer]

How many hours a week are you working?

[Drew]

So I have an alternating schedule. On my short week I work 24 hours. On my long week, I work on his 24 hours.

[Caleb Hammer]

He's not doing anything.

[Callie]

That's a great question. I don't know. I clean the whole house.

[Caleb Hammer]

Listen, I understand your schedule's a bit. It's okay. Your sleep's a bit weird.

[Drew]

That.

[Caleb Hammer]

I mean, that is fair.

[Callie]

That is fair.

[Caleb Hammer]

That part's fair. But 24 hours you got. You can step up a little at the house.

[Drew]

No, I mean, I. I try. I do try, but.

[Caleb Hammer]

You try.

[Callie]

Well, last week it was raining. He left the dog outside in the rain. He slept on the couch. Our toddler was running around with a marker on the couch. And the baby was awake. And I was in the middle of a work call. Got off of that, went downstairs and I said, are you kidding me? Yeah,

[Caleb Hammer]

buddy.

[Callie]

How do you defend yourself?

[Caleb Hammer]

What the are we doing?

[Drew]

Look it. I. I do. I do try my hardest to make sure that they are. That they're safe, that I'm not leaving them in weird positions like that. But when I'm. When I'm working 12 hours overnight and then I come home and now I'm responsible for an almost two year old and a baby and keeping them quiet to a point that she can. That she can work and not have the noises of children's lives interrupt her problem.

[Callie]

This wasn't Monday or Tuesday, so my sister was off of work and available to help. I also.

[Caleb Hammer]

That was my second question.

[Callie]

I also offered and said, I will take them if you need me to. What do you need from me? And he said, no, it's fine. I'm gonna try to get them down for a nap. And then never said, then it doesn't work.

[Caleb Hammer]

Cause I was about to defend you. Cause your sleep schedule. That is your sleep schedule. And that's fair. I was about to defend you. But if the sister was willing to step in and she offered, you can't take the responsibility. And then not.

[Callie]

He's like the partner in a school project whenever you do all of the work. And then he goes, me too. And then he gets a grade for it.

[Caleb Hammer]

How's Yalls relationship right now?

[Callie]

Eh, we're.

[Drew]

We're trying. It's. It's rocky. It's a really hard.

[Caleb Hammer]

Why is it rocky? So.

[Drew]

Because we have this exact conversation 50 times a week. Exactly.

[Caleb Hammer]

Why does every day step up after you have that issue? Well, I. I sound like a biological problem you're having. That's like a. It's not like you're not getting hard. Right.

[Callie]

And which. There are pills for that.

[Caleb Hammer]

Okay. And there's pills for that. So there we go. But even so this is literally just behavior.

[Drew]

Right, I understand that.

[Caleb Hammer]

And after someone with discipline, you're in public safety.

[Drew]

After we, after we have these conversations. I do get better for a few days, for a period of time.

[Caleb Hammer]

And then,

[Drew]

and then I have days where I struggle and it's hard to have a great day every day. But I do feel no one's asking

[Caleb Hammer]

for a great day every day.

[Drew]

Sometimes it feels that way.

[Caleb Hammer]

Okay, but also you went to help them buy shoes once in the last six months. That's not great day everyday request.

[Drew]

But the biggest conversation that we have is more around the house. Because she complains almost, I mean, I'd say four times a week that she's doing all the cleaning around the house and that I do nothing to help. But like I said before, I'm having to keep these two rambunctious children active and doing something in a way that it doesn't interrupt or interfere with her work.

[Caleb Hammer]

Right, but then you complain to Lindsay that she doesn't cook enough.

[Drew]

Right, she. But there's days where she chooses not to cook.

[Callie]

Yes, because she had a long day

[Drew]

of work and instead of cooking, we're just gonna order something.

[Caleb Hammer]

Can you cook?

[Drew]

Absolutely. And I love cooking.

[Caleb Hammer]

Oh, does he cook?

[Callie]

Occasionally. Okay, if you love to cook, then cook. But expecting me to cook dinner, clean the entire house, manage all three kids, work a full time job, not to mention I'm also in school. I'm so sorry. I feel like I have a Thanksgiving plate and it's overflowing. And yours has a slice of turkey and maybe a little dollop of potatoes. Take some damn sides off my plate and have a low. Like have a field day with it. Dude, I don't know what you want.

[Caleb Hammer]

You think she's lazy? No, I don't think. No. You think she's lazy?

[Callie]

Yes. I mean, he'll do the dishes, but he does the dishes. Doesn't clean off the counter, doesn't clean off the stove, doesn't take things and put them away. He does the dishes in Ls.

[Caleb Hammer]

Are you a minimum effort guy at the house?

[Drew]

I really try not to be, but some days.

[Caleb Hammer]

Okay, you're saying the good words. You say you're trying, you do, you want to all these things, but you don't do any of it. So you got the good words, where's the good actions? You're a disciplined man. You're in public safety. You went through it, you helped the world be disciplined. Why can't you bring some of that to home?

[Drew]

I don't know. I guess maybe I'm just giving too much at work and not allowing myself to have any extra effort to give once I come home.

[Caleb Hammer]

It feels a little bit like a cope. I'm not gonna lie. I mean, but maybe that's true, but

[Callie]

you go have family dinners on Sundays with your co workers and you occasionally find dark, dilapidated corners and take naps. What?

[Caleb Hammer]

So

[Callie]

I'm confused. I don't get to take naps at work?

[Drew]

I don't take naps at work.

[Callie]

Okay.

[Caleb Hammer]

Huh? What? What are you insisting or insinuating here?

[Callie]

He takes naps at work. So I mean you're. He's saying that he's one of those

[Caleb Hammer]

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[Drew]

So yes and no.

[Caleb Hammer]

I mean all that and then this

[Callie]

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[Drew]

Learn [e-mail] Spotify obvious obviously it's not ideal to do that. And I, and I do my best not to. I've. I've dozed off. I'm not going to lie to you and say that I haven't dozed off and fallen asleep.

[Callie]

So then you're not giving away when we're not.

[Caleb Hammer]

When we're not having a busy night.

[Callie]

That's my argument. There is, yeah.

[Caleb Hammer]

I mean, to be clear with the spending and a lot of things you do, not the closed thing. But we do know from what we looked at that you are the aggressive, aggressive spender on bullshit. You are the villain there, right? But you're kind of the villain of being lazy at home. And I feel like you're almost taking it out. I'm just going and swiping which doesn't necessarily help us in the end.

[Callie]

Right.

[Caleb Hammer]

As a household. Listen, if he's.

[Callie]

Sometimes you need like a break.

[Caleb Hammer]

I agree with that. And I want him to step up. So you can. But you don't get revenge. You don't also bring down the household by being a fucking menace on the outside. You do financially though. Okay? So listen, just because someone's not stepping up at home doesn't mean you can just not step up outside the home. Okay? You can't get up.

[Callie]

Can we take a little break?

[Caleb Hammer]

You need a break? Little break. Okay, we'll take a break.

[Callie]

I'm honestly very tired. I would not be crying right now.

[Caleb Hammer]

I'm very tired. That's okay. Your mother, you see that?

[Drew]

Yeah, I see it. She. She's not afraid to tell me when she's overloaded either.

[Callie]

It would be nice if you listened,

[Caleb Hammer]

you know, it would also be nice if you didn't go spend money you don't have.

[Callie]

Fair.

[Caleb Hammer]

Cuz that's going to add to the stresses of the household. A man now stepping up, not helping the house. That's gonna be a reason for divorce at some point. Financial shit in the house. That is a leading cause for divorce in this country. Do we wanna get divorced?

[Callie]

No.

[Caleb Hammer]

I don't read you guys as a couple that wants to get divorced. It's not something I would advocate for in you guys. I don't see that. But are we surprised that the household is rocky right now? No. When you both up in two very clear directions and neither of you seem like you wanna make any ground in making those situations better. Like you make the good talk, but you don't sound like you're trying to do any better at the house. You know, it's not like you're trying to do any better financially. No wonder he's not willing to. It feels like he's hiding.

[Callie]

I don't think he's hiding anything. He just isn't for communicate.

[Caleb Hammer]

Yeah, I'd be nervous too, if you're going out there and around constantly. And in the financial conversations I'm being had again. Again, this is the pre interview. A couple of the things that I said were kind of wrong earlier. From what he said, like the, you know, he was like, oh, fine, well, you know, we'll stick it out because he got pregnant. Well, apparently that wasn't true because it was timeline issue. And then one other thing I said was kind of incorrect. That's because he told Lindsay that pre interview before you were coming on. So it was going to Be a defense mechanism. So the story was going to be a little different anyway. It sounds like that he was going to tell.

[Callie]

Well, that's interesting.

[Caleb Hammer]

I don't know. But you guys say different things. So I don't know if this was pre you coming on or not, but he always says that I'm always giving in to her. I'm always giving in to her. Is what he said. Is that true?

[Drew]

Yeah, absolutely.

[Caleb Hammer]

What does that mean?

[Callie]

It means that I am very persuasive in my arguments for by that he

[Caleb Hammer]

said, he says no, and you get angry. And then he's just like, fine.

[Callie]

I don't always get angry. I do not always get angry.

[Caleb Hammer]

I mean, I live with the world.

[Drew]

Any time that you have said, I want to get this, I feel like we need this. And I say, well, no, we don't have the money to spend on that. Or that's just not something that we need right now. Then it is immediately anger. I mean, let's go back to a couple months ago, whenever you were wanting to get a Dyson vacuum. We had two working vacuums at the house.

[Callie]

Okay. They are both really, really crappy. We got one of them from your parents. And I didn't say it had to be a Dyson. I just said I really liked this one because it doesn't have to plug in. We don't have to carry up and down the stairs. And as the person who cleans the house, I think that I get a little bit of leeway in what I would like to use to clean our home. Women love to clean.

[Drew]

They all love to cook steak.

[Caleb Hammer]

Dude, all women are the exact same. My girlfriend's asking for the exact same thing. Look, and you. And we have cleaners. So what the is happening?

[Callie]

I would kill for a cleaner.

[Caleb Hammer]

Okay, well, they're cheap and you guys make a lot of money, I'll be honest.

[Drew]

Which, by the way, you specifically wanted the Dyson because the last time we tried to find a cheaper alternative to Dyson, we got something else. And it broke very quickly and they didn't have anything. And then we replaced it with something different. Had two working vacuums at the time that she was requesting this Dyson. And I said, no, that's crazy expensive. We don't have the money to spend on that. We have two working vacuums. Immediately she goes, when we combine finances, you said that you weren't going to be controlling, but this is the exact controlling behavior that I was trying to

[Caleb Hammer]

asking for a vacuum.

[Drew]

Yeah, apparently denying vacuum when we have two working vacuums is controlling when one

[Callie]

of them weighs like 20 pounds and you're carrying it up the stairs and you're the one doing the most of the work. And the other one is so small and compact that it's not meant for like room vacuuming. Our whole upstairs is three bed, four bedrooms. It's the master and three other bedrooms. And it's all carpeted.

[Caleb Hammer]

Yeah. How much of vacuum?

[Callie]

One of them was like 500.

[Caleb Hammer]

Guys, you make $200,000 a year.

[Drew]

I don't think you understand, but we're hemorrhaging money already.

[Caleb Hammer]

I agree. I think now this is a household beneficial tool potentially.

[Callie]

But.

[Caleb Hammer]

But where's all the money going that would go to that instead?

[Callie]

The miscellaneous shit.

[Drew]

Billion monthly payments that we have to.

[Callie]

A billion monthly payments. It's eating out, but exactly. If I had help.

[Caleb Hammer]

You can't do that. You can't do that and get that kind of. Or well, get a vacuum like that if the money goes to. You can't. A thousand dollars went out to you last month. Thousand hours. You make $200,000 a month. But $1,000 going to food. Eating out actually because groceries was an additional thousand. So 2,000 going to food. That immediately means. No, you probably don't get to have a $500 vacuum and shit. Especially when unknown shopping things we don't 100% know. Could be bullshit. Could be not. Was an additional 1800 the previous month. 1800 other large purchases. These are big picture purchases. Might be bullshit, might not be 2, 400. So now we have a potential amount of. Oh, and then Miscellaneous. An additional 705, 000, by the way. So what are we at? We're like for a potential 4 or $5,000 in potential odds is made it in the middle and say minimum 2000 on. Yeah, you could get a vacuum. Why are we spending 2,000 on instead?

[Callie]

Because it's random little things that we want.

[Caleb Hammer]

Well, there you go. Then. You don't get to have the big thing. Even if it makes your life better. You don't get to. So it's all her. Yes, absolutely.

[Callie]

Oh, so you didn't pay someone $500 to get a pair of boots, which you've never gotten. You didn't pay someone to do that and you've never gotten the money back. You've never ordered clothes from Adidas online. You've never paid for golf.

[Caleb Hammer]

$70 of clothes, okay, but you've never paid for golf.

[Callie]

You didn't go buy a new iron for golf and spend a little bit more and get other things.

[Drew]

Yeah, I used to go back to. I used a $300 gift card that your sister gave me.

[Callie]

And you spent more than that.

[Drew]

Yeah, by $90. For two. For two golf clubs.

[Callie]

So it's all me, though. It's all me, though. And you didn't go buy these new pants?

[Drew]

Not these pants.

[Callie]

Oh, well, you bought.

[Drew]

I've had these for over a year.

[Callie]

But it's all me.

[Drew]

It's all her.

[Caleb Hammer]

Yeah, I see how the conversations go in this household now. So you just kind of, like, blow up.

[Callie]

Okay. Yeah, but rightfully so. You're sitting here telling me I'm the. You're sitting here telling me I'm the problem, that I'm the one who spends all this money on clothes and all of this money on random shit. I have, what, four. Four outfits in the last, I don't know, six months. Four months.

[Caleb Hammer]

I mean, Callie told Lindsey that she holds grudges against you, and I feel like I'm seeing them now.

[Drew]

Oh, yes, she is.

[Caleb Hammer]

What are these grudges like? Cause if that continues consistently, that's not necessarily healthy at all times.

[Callie]

It's continuous behavior that's never changed.

[Caleb Hammer]

What's the grudges, though?

[Callie]

It's grudges against money. It's him telling me that I shouldn't go do stuff and then blaming me for our financial mishaps when he also spends money on random shit. $25 every other night at the gas station. On gas station food. You love to cook so much. Cook your lunch and take it to work.

[Drew]

I mean, when I have the kids and I have to keep them quiet, it makes it difficult to make those meals during the day.

[Caleb Hammer]

What are we talking about? You can meal prep a couple times

[Callie]

a week, and you can open the back door and go, ooh, can we bleep?

[Caleb Hammer]

Yeah, all their names are bleeped.

[Callie]

But he can go outside and play. The other one can sit in a high chair and watch you work. He loves to watch you do things. And then our oldest goes upstairs and plays and does whatever she wants to do, or she hangs out with me 98% of the time. So I'm very confused.

[Drew]

Yeah, but then the second one of them, let's say the middle child, comes back inside and he starts making noise because he's a rambunctious, almost two year old. The second he makes a sound, it's blowing up my phone. I'm on a call. I'm on a call.

[Callie]

If I'm on a call, I'm on a call. That's A serious thing. I have to work. If you want, I can quit my job and our $96,000 additional income can go out the window.

[Drew]

Obviously, that's not what I want. Okay, but when I'm getting those Exactly. I'm recognizing that your work is important and that you have to be on those calls. But when I'm getting those messages, the second I'm trying to do something, am

[Callie]

I on a call seven days a 24 hours a day?

[Drew]

I mean, obviously no.

[Callie]

I schedule my stuff for two specific days a week that are my calls are. My days are filled with calls back to back. And 90% of those calls, I'm on mute. You can come park one with me, park one with my sister. And you can meal prep. You can cook dinner for the afternoon or evening. You can put stuff in a crock pot. Hey, that takes so much off my mental load and so much off my plate.

[Caleb Hammer]

Okay, wait, the sister lives with you guys? The sister that you said could help,

[Callie]

but she doesn't actually help that much. We're figuring out.

[Caleb Hammer]

Well, but via requester, she's just not stepping up. Is she asked to help and she doesn't?

[Callie]

Sometimes yes, sometimes no.

[Caleb Hammer]

Is she renting from you guys?

[Drew]

So the agreement was that she was going to move in with us. Where we live was going to be a better place for her than where she was living with their parents. And instead of paying rent, she was going to help out with the kids, help clean and help clean.

[Caleb Hammer]

So she's supposed to be stepping up a little more than you for the kids.

[Callie]

He also has a full time job in which she works Tuesday through Saturday.

[Caleb Hammer]

But she's not paying rent.

[Callie]

No.

[Caleb Hammer]

Then make her pay rent.

[Callie]

Okay, well, right, like she, she has

[Caleb Hammer]

to pay in one way. Helping the kids are rent.

[Drew]

Right. So if, if she's not helping out in the originally agreed upon way, it's

[Callie]

gotta be financially, which he never goes and asks her for help. So it's hard for her to just offer it if you're not going to. And circling back, we had both asked him, put the kids with one of us if you need help or whatever. And then he just didn't. And then toddler coloring on the couch. Right.

[Drew]

And then even though she offers to help sometimes, I still, deep in my heart, these are my children. They're my responsibility.

[Callie]

Your responsibility.

[Drew]

So I have a little bit of trouble pushing the burden of my own children off on someone who.

[Callie]

But that's literally why she's there.

[Caleb Hammer]

I think this is kind of toxic, guys. I think it's gotten to such a toxic point, and it's gonna take a big lift to pull it out. Just toxicity with the sister, toxicity with each other. She even said, just like, she doesn't even like getting gifts from you because it feels like there's always strings attached. Like, what the. If we can't even give gifts at this point.

[Drew]

Yeah, I.

[Caleb Hammer]

Where is this relationship?

[Drew]

I don't understand.

[Caleb Hammer]

Someone educate me on that topic, please.

[Callie]

We had a fight on my birthday. So we did not celebrate my birthday. And then two or three days later, he takes me to get a locket that I've been. I have been wanting a locket for a while. It's one of the things I've consistently gone back to. I wanted a locket. So two or three days later, after said fight, after I questioned, is that what we're doing for my birthday? We're just gonna fight and then do nothing? Then he gets the locket. I had mentioned, I don't know, in a few. A few times over the years that having nice underwear is a good thing. But then he buys it after fights or for whatever reason and phrases it like, well, I mean, it's for me too. It's no longer a gift if you're getting it for yourself. And the obligation is for me to.

[Caleb Hammer]

That's strings attached. I don't know.

[Drew]

And as far as the birthday thing goes, we had a plan for her birthday. My parents offered to watch all of our children so that we could go have a nice dinner for her birthday.

[Callie]

And.

[Drew]

And I don't remember what caused your mind.

[Callie]

I thought we could do something for our home that would improve it. That way we could improve equity whenever we sell. And instead of spending $300 on a steak dinner at Besteca, that we should go get stuff to make a patio.

[Drew]

Yeah, that's right.

[Callie]

And then we had to find patio.

[Drew]

Yep. So instead of. Instead of going to dinner, she made the decision. And I verified this several times with

[Callie]

her, which is fine.

[Drew]

That we were no longer going to do the dinner. Instead, we were going to allocate that money into supplies to build a patio. And then who knows what we fought about that day? She said, screw it. We're done. We're not. We're not building this patio. And then we didn't. And then we didn't do anything on her birthday.

[Caleb Hammer]

Okay, I don't. Guys, this is just what the. Everything's a villain fight. Horrible. But he did tell Lindsey something before you were supposed to. Come on. He said he hasn't had the stomach or the will to say it. Remember what that was?

[Callie]

Mm. Mm.

[Caleb Hammer]

No.

[Callie]

Oh, no. Now you conveniently forget.

[Caleb Hammer]

I don't remember, brother.

[Drew]

I've slept since then.

[Caleb Hammer]

He has an out plan.

[Drew]

I have an out plan body.

[Caleb Hammer]

These are your own words, man, though you're not there yet. And he hasn't said it to her, but it could walk away if they don't get their finances in order. Not there yet. But he's waiting for the right conversation that would give him the leeway to say it.

[Callie]

Well, we've had tons of those conversations.

[Caleb Hammer]

What we.

[Callie]

I've had tons of conversations where I said, this is not where I want to be in five years. I don't want to be here financially or like, relationship wise, marriage wise. I don't want to be in a relationship where we're fighting constantly, where I'm doing 90% of the household work and child raising after birthing them and feeding them. I don't want to do this if you're not going to be a participant. Like, if you're not going to be an active parent.

[Caleb Hammer]

So both of you are.

[Callie]

We've had those conversations. I don't have an out. I don't have like a backup plan. I'm not trying to have.

[Drew]

How many times have you talked about your plan for if you leave me.

[Callie]

If we. If I leave you, I'm living alone and the kids will go to you for a week and back and forth. That is. That is literally the plan. That's called divorce.

[Caleb Hammer]

Why? How frequently is this brought up? Guys, I need the rant.

[Drew]

She has had several conversations about when

[Callie]

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[Drew]

You know, or several conversations about leaving me. The idea of leaving me not something that is in my head is the topic.

[Callie]

But you have it out.

[Caleb Hammer]

But you have an out. Yeah.

[Callie]

So it clearly is in your head. You can't say one thing and then acted like another and say that it's not there when it is.

[Caleb Hammer]

Not to Lindsay, but one of our pre producers before her is. Where would the message is coming from?

[Drew]

I mean, I. I hate to sound like I'M backtracking, but I. I truly feel like that is a misunderstanding of the words that I said to her.

[Caleb Hammer]

I really did before she was supposed to. Come on.

[Callie]

Mm. Mm.

[Caleb Hammer]

How close have you gotten to leaving? I know one of you have left before and then the kid.

[Callie]

Yeah, pretty, pretty close.

[Caleb Hammer]

When?

[Callie]

A few years ago. It just. We were living with his parents. He refuses to say anything. Well, we had just left Lubbock and we moved down here and then we had to find jobs. So we stay with his parents and he refuses. And God, I could not tell you why. To stand up and say anything to his parents. Like, his dad will not turn on the air conditioner upstairs and that's where we were living. And he will go up there and turn up to like 80, 82 degrees in the middle of summer, but then leave all the doors open and heat rises in a two story home. So it would be 98 degrees up there and it would take like all night to cool down. And he would just never say anything and never defend me or our kids or any anything.

[Caleb Hammer]

He almost laughed.

[Callie]

Yeah.

[Drew]

So I didn't stand up to him at that time because his only request was to stop keeping it at 69

[Caleb Hammer]

degrees, which it wasn't.

[Drew]

It was at 75 day every single day.

[Caleb Hammer]

So when it wasn't so it was

[Callie]

at 75 and it's hard not to keep it at a lower temperature when they don't even run the downstairs one and all that heat is rising. So even if it was set at a, at like a set temperature, if they would have turned on their downstairs one. Hey, we just had this conversation about H Vacs and how if you turn them off, it makes them work harder and your energy bills increase because you're running more power to get them back to a normal temperature. That's what continued to happen because you never stepped up and said anything.

[Caleb Hammer]

Be honest here, guys. Has anyone ever looked for apartments just on the DL, just. Just looking to look.

[Callie]

He told me to and I did.

[Caleb Hammer]

Oh, you told her to.

[Drew]

We had a big issue around, around that time.

[Caleb Hammer]

We were going, what the.

[Drew]

Look, we. We were going through a serious, very serious rough spot in our relationship. And at that time, I wasn't sure if I was willing to stay in the relationship with the dad thing.

[Caleb Hammer]

That was it.

[Drew]

There were other things going on. One of those things is on, it's on our list that I don't want to bring up.

[Caleb Hammer]

Okay. I don't think I know it, but.

[Drew]

But no, because of what was there. I wasn't sure if we were going to continue in our relationship, I suggested that she start looking for an apartment, and she looked for a little bit. And ultimately we decided that we were just going to stay in our relationship. We were going to try to work through it. And for that issue we have.

[Callie]

Yeah, we have. We have for that. But that's like the only time where we have really considered either. That's the only time I've really considered leaving. And then, I mean, there's like the little petty squabbles where we talk about it and I tell them, I don't want to do this if this is what our life is going to be like. I don't. I. I don't want to feel like a freaking brood mayor where I just get bred all the time. And then I. It's my responsibility to have a job and clean the entire house and take care of all of the kids. That's a lot for one person.

[Caleb Hammer]

What the.

[Callie]

That's literally what I feel like.

[Drew]

I don't want you. I don't want you to feel like you are just. Just a brood mare and I'm the stud that keeps putting kids in you. But I mean, when I. When I'm on two hours of sleep after being awake for 48 hours, which

[Caleb Hammer]

I agree with that part. Another week, you work 25 hours. Right.

[Drew]

But. So after that 25 hours of 24 hours of work, there's times where I've worked or been awake for 48 to 50 plus hours through those days of work. And now I'm responsible for these children.

[Caleb Hammer]

Your children?

[Drew]

Yes, they are my children. Absolutely. And I have to do something and keep them entertained and keep them quiet enough.

[Caleb Hammer]

Do you really trust each other?

[Callie]

I don't trust him with our kids, no.

[Caleb Hammer]

That's not the greatest thing to hear from our wife.

[Callie]

I've told him that before, that I do not trust his capabilities in taking care of our children. He can't stay awake. He. I had to go wake him up last night to put our, our middle child down because he fell asleep putting him to bed. So that way he would get up and take a shower.

[Caleb Hammer]

Diet. What are you doing? You're fat. I'm fat too. But, like, I'm not, like, responsible for people's lives and children. So if you can't stay awake, we're having issues. Right.

[Drew]

Well, I typically have to rely on caffeine to keep me awake.

[Caleb Hammer]

Right. Why not get healthier?

[Drew]

I. I've tried. It's. It's a ride. I've tried.

[Caleb Hammer]

I've tried.

[Drew]

I've been thinner in the past.

[Caleb Hammer]

I'm okay.

[Drew]

Just about it. The biggest I've ever been right now.

[Caleb Hammer]

Oh, that's not good. No. You're falling asleep. Yeah, fatty. What the. Why aren't you eating less or just better?

[Drew]

Better.

[Caleb Hammer]

Working out.

[Drew]

I definitely need to be better. I do work out. I take. I. I do.

[Callie]

He does.

[Drew]

I take.

[Callie]

There's a few times I take the

[Drew]

boys to the gym.

[Callie]

Yeah.

[Caleb Hammer]

With me, you can't outwork a bad diet. Right. That's my issue. I'm relatively active sometimes. That's always been playing rust recently now I'm not rip worth it. I don't. I like, just eat better. Dude.

[Drew]

I know, I know.

[Caleb Hammer]

The donut and coffee guy. No, not the donut.

[Drew]

I really try to stay away from donuts.

[Caleb Hammer]

The coffee's okay, but I, I.

[Drew]

Coffee is a. Coffee's a problem.

[Caleb Hammer]

What? What? What's wrong? Coffee.

[Drew]

It's a problem for me. I'm.

[Caleb Hammer]

Why?

[Drew]

Because I need it. I'm addicted.

[Caleb Hammer]

Well, yeah, but like, caffeine's one of those, like, addictions where it's like, not even like an addiction. It's like, upside. No, it is an addiction. It's just like, upside, though. Yeah. Unless you're just like, what are you down in?

[Callie]

Like, I mean, it could be. It could be. Can we.

[Caleb Hammer]

What the are you on about?

[Callie]

I'm just saying, like, if we're talking about addictions, at least is addicted to caffeine and I.

[Caleb Hammer]

That's true. Okay, here's gamer subs. Just like you make your coffee at home. Make your energy drinks at home. It's delicious. 40 cents a serving. When you use my 10 discount code. Caleb, link in the description below. Get your free samples as well so you can figure out what flavor you like. And then you can order your gamer subs. And then, you know, 40 cents a serving. So there you go. That should help. But I mean that you can't out. Eventually you have a baseline. Then you have to just continuously up caffeine. So just like anything else. Right. That's the issue there. If you're always chasing it, then you can get to a dangerous amount, which for larger people, fatties is not necessarily best for the heart. What are you eating, man? Because if you're falling asleep, I'm concerned. I'm concerned, like, your health must not be the best.

[Drew]

So I mean, I kind of just eat what's. What's already available, like when I'm at home. Really? When I'm at home, that's when I'm Eating at my worst, because we're not. We're not always taking the time to prepare meals. We don't always have good stuff for making, you know, lunches and, you know, I. I just kind of eat whatever I can.

[Callie]

We do have all this stuff to cook, though. I spend a thousand dollars a month on grocery and I build out menus. So we do have stuff in there to cook. The issue is that what he's saying we don't have food is we don't have easily ready food.

[Caleb Hammer]

Meal prepping then. You too?

[Callie]

Okay.

[Caleb Hammer]

Meal prep a couple times a week, guys. What the are we doing?

[Drew]

I love meal prepping. It makes it so much easier.

[Caleb Hammer]

Why don't you.

[Drew]

I just. I just struggle to actually make the time to actually.

[Caleb Hammer]

What? 25 hours, huh?

[Callie]

Yeah, you can meal prep for two weeks and free stuff. We did it for six hours.

[Caleb Hammer]

Not going into detail, but is there ever a situation where you might be required to run?

[Drew]

Absolutely.

[Caleb Hammer]

Okay, buddy.

[Drew]

I'm faster than I look, brother.

[Caleb Hammer]

No, I don't think you have any idea how fast I really am. I have an exclusive offer just for you. But there's only one week left to purchase. 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. Plus, 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. 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 every dollar. 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 raising 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 built by these people just like you. For people Pros trust the Home Depot

[Drew]

for heavy duty storage solutions for any job site or garage. Right now get up to 15% off select storage and organization impact and water resistant totes and shelving built to hold up to £2,500. Storage systems have space for all your tools and protect them in the garage, on the job site and everywhere in between. Save time and maximize efficiency with adjustable shelving customers customized to your business's needs. Shop and save on pro grade storage at the Home Depot. How pros get more done just like you.

[Caleb Hammer]

No private equity, no gimmicks. Just the best budgeting app there is. Download it now. Start the free trial Dollarwise.com link in the description below.

[Drew]

You and me promise.

[Caleb Hammer]

You and me have the sprints, but we don't have the distance.

[Callie]

There is no stamina.

[Caleb Hammer]

It's the distance.

[Drew]

Stamina.

[Caleb Hammer]

No, no, no.

[Drew]

You know I've got stamina.

[Caleb Hammer]

Distance buddy. Distance buddy. Okay. What you have a 30 second pump and dump. Good for you.

[Drew]

Sometimes.

[Caleb Hammer]

Listen, the thing is us fatties, everyone's shocked how quick I can go. But it's not for a long distance and that might be necessary, right? Yeah, buddy. If you're falling asleep, come on. If you're falling asleep, come on. All right. What do we think our household financial score is? All combined?

[Callie]

One.

[Drew]

Well, I think two, two and a half. Three.

[Caleb Hammer]

Okay. If you want your hammer financial score, figure it out. Take the assessment. Take that assessment for [e-mail] just takes a few minutes and you can see where you stand in the world of money. Where you're doing poorly, where you're doing great, what you need to do to become better. Usually what most people need to do is use a budgeting app. And we've made one for the people on this show and for you and for me. It's called Dollar Wise. Take the free trial. It comes with the 30 day budget meal plan and the digital version of the cookbook for those who sign up for the annual version, which also saves like 50% on the subscription, by the way. But take the free trial. See if I'll sign that and I'll mail directly to you. So there you go. No more excuses. Use it. There's recipes, it's easy, it's simple, it's budget friendly. No more excuses. Guys, again, minimum. Minimum 2,000 on bullshit last month, likely upwards of like 3 or 4,000. What hits our account on a monthly basis? I didn't get that. I know your guys gross income is

[Drew]

large, but so my checks come in every two weeks at, oh, what is it, 30? Just about three. 100.

[Caleb Hammer]

Okay. And then you.

[Callie]

I get 56amonth.

[Drew]

Yeah. Hers come in at about 28, 55.

[Caleb Hammer]

Okay. So 11, 800 now. You guys are killing it. It's so upsetting. And yeah, it's always the people who are like, killing it on the income scale. They get even worse on the finance scale because you get access to more tools that'll destroy you because you are not credit card people. Yeah, you're not. Want proof of it? Quicksilver one. Whose is this? Are we all on cards together? Buddy, what are you doing? I thought she was the problem. Huh? She. Huh?

[Drew]

Yeah.

[Caleb Hammer]

What are you talking about? This is a big problem right here. You know what happened on this card?

[Callie]

I don't know. Is that the one I want? Because I know you have two.

[Drew]

Yeah, that's the one that you're an authorized user on.

[Callie]

Oh, I haven't.

[Caleb Hammer]

Maybe you are making problems.

[Callie]

Almost two years.

[Caleb Hammer]

Is that true?

[Callie]

My card is locked. I haven't used it. I went to go get gas and I was like, hey, I don't have the debit card with me. And I'm at a gas station that doesn't do tap pay. Can I use this? And he didn't respond quick enough. So I left and went somewhere else with tap pay. But the card is locked. I haven't used it in well over a year.

[Caleb Hammer]

Card is locked?

[Callie]

Yeah. Cause I'm not. I'm on the account.

[Caleb Hammer]

You're locked.

[Callie]

My card is locked.

[Caleb Hammer]

You're locked.

[Callie]

Well, I'm on the account. I don't have access to it. I can't even see, like the balances on it.

[Caleb Hammer]

What?

[Drew]

Why? I. I just made her an authorized user, and the. I mean, that has always just been

[Callie]

on my phone to the account.

[Caleb Hammer]

I don't know.

[Drew]

You've got. You've got a capital one card of your own too, so take that up with them.

[Callie]

But we're on.

[Drew]

You can't see it.

[Caleb Hammer]

Okay. How can we say she's the problem? When you had a balance. He had a balance of 927. Okay, that's large. It accrues interest, whatever. With your income, you can kind of pay it off. But he made the minimum to payment of 35 only. Nothing else. No progress. Avalanche. Avalanche. And then he spent $2,000. Why the did you put $35 to it if you're gonna spend $2,000 accruing interest $57.66. New balance, $2,900.01 minimum monthly payment, $87. Your kid, oldest kid, will be not only out of high school, but will also be out of college and also a couple years into his career. Because this takes 17 years to pay off. Minimum payments only with no additional purchases, which you're incapable of. So what the is the problem? That doesn't look like problem to me. I've heard that looks like you. What are you talking about?

[Drew]

Huh?

[Caleb Hammer]

What are you talking about? Rack attack.

[Drew]

Yeah, we bought a car. Rooftop cargo system to go on an instant.

[Caleb Hammer]

It's a growing credit card. You could afford it. But why not put it on? You can't pay off this credit card. You're not paying off this credit card. You only put the minimum towards it. Why not put it on the debit card?

[Drew]

Because we didn't have eighteen hundred dollars ready.

[Caleb Hammer]

Did you get the rooftop thing?

[Drew]

We needed it.

[Caleb Hammer]

Why did you need it? We were gonna die.

[Drew]

Obviously we weren't gonna die.

[Caleb Hammer]

Then why'd you need it?

[Drew]

So we were taking a road trip to see her parents.

[Caleb Hammer]

Okay. Didn't need it then.

[Drew]

We've got her. We've got her SUV that is loaded down with children, plus the kennel and a dog in the back. And then we didn't have any room for our stuff.

[Caleb Hammer]

You didn't need to go on the road trip to survive. What the are we doing?

[Drew]

I think it's important to see family.

[Caleb Hammer]

I think it is as well. It sounds like they can afford to come down.

[Callie]

I won't let them stay with me.

[Caleb Hammer]

What?

[Callie]

They smoke, and I don't like them smoking around my children. And a couple days at a hotel's

[Caleb Hammer]

cheaper than this because you spent almost 2,000 hours.

[Callie]

They refuse to stay in a hotel. They refuse to get an Airbnb. What? They only will stay at my house.

[Caleb Hammer]

And you won't allow that?

[Callie]

I won't allow that.

[Caleb Hammer]

What the is wrong with these people? What is wrong with you people? What the is happening?

[Callie]

Well, I've made very clear rules. Don't smoke around my kids. I don't care.

[Caleb Hammer]

Yeah, that's fair. Why can't they stay at a hotel or Airbnb?

[Callie]

Why can't they just not smoke?

[Caleb Hammer]

Okay, well, they're addicted to it. I would also agree, but nicotine patches exist, okay? Ends, insens, and all that good stuff. Yes, yes, yes, yes, yes, I agree. But also, why can't they stare you in an area?

[Callie]

Because my mother is worse with her finances than I am.

[Caleb Hammer]

Where do you think I Agree it's important to go. You didn't necessarily have to. And even if still there may have been cheaper solutions. 2000 blocks there.

[Drew]

Yeah, that's something that we're going to continue using.

[Caleb Hammer]

Sure. And you know what else you'll continue doing? Paying interest on it because you don't do more than a minimum to payment. Then you inside some store and I think got some like energy drinks or coffee or something.

[Drew]

Yeah, probably.

[Caleb Hammer]

And then Amazon did some Amazon. Okay, let me look at this Amazon.

[Drew]

Amazon, sir.

[Caleb Hammer]

Let me see.

[Drew]

I haven't spent on Amazon.

[Caleb Hammer]

So you do spend on this car. This is on Amazon. You're not fully locked out. I have, it's attached to the Amazon account probably. So let us see here. Ah, iPhone. Okay. What the is wrong with you? What the is wrong with you?

[Callie]

What do you mean what, what do

[Caleb Hammer]

you have 15% battery on your phone?

[Callie]

We listened to stuff on. On my.

[Caleb Hammer]

Plug it into the car, let it charge. I'm sorry, you doing 15% F at before noon?

[Drew]

I don't know man.

[Callie]

I didn't charge it last night.

[Caleb Hammer]

What the is wrong with you?

[Callie]

I was tired. I was packing up diaper bags and gathering everything.

[Caleb Hammer]

How much of a disaster someone is to me if I see them low battery before noon, their life's a failure.

[Callie]

Okay.

[Caleb Hammer]

Oh, come on. You gotta charge your phone. Know how easy easy it is to plug it in somewhere?

[Drew]

Oh, I did it all the way up here. Plug my phone.

[Caleb Hammer]

Well, at least you have a way to get back. I guess so. Home Messer hardware. Okay. It's like some hinges.

[Callie]

Yeah, those are hinges. And a door handle for a screen door for our back patio.

[Caleb Hammer]

Some patches, lots of kids things. A remote.

[Callie]

Those are. It's an ice pack.

[Caleb Hammer]

A fake plant. We didn't need that to survive. A clock. We didn't need to survive.

[Callie]

That's for my office. We didn't pay for that. That's for my. That's for my office at work office chair.

[Caleb Hammer]

Well that's good.

[Drew]

Yeah.

[Caleb Hammer]

So we're building it out.

[Drew]

Work related purchases get refund or reimbursement.

[Caleb Hammer]

The rug and pillow, all that stuff.

[Callie]

Yeah, all of that.

[Caleb Hammer]

Okay. And the two chairs.

[Callie]

All of that until you hit the desk.

[Caleb Hammer]

Okay, so the desk was you.

[Callie]

Well no, like that is.

[Caleb Hammer]

So after that. Yeah, so the key lock box.

[Callie]

Oh, that's also work.

[Caleb Hammer]

Okay, well what the are you talking about then? The trash bin that we.

[Callie]

We bought a trash can for our home. For our home.

[Caleb Hammer]

That's not the worst. I'm just surprised he didn't have One. We did.

[Callie]

Well, we did, but.

[Caleb Hammer]

Well, then what are we doing? These are the small things we don't need to do when we're trying to pay off debt. If you already had trash, then there we go. We're okay.

[Callie]

Right? But it right.

[Caleb Hammer]

Cookie cutters. Did you need the rectangle? Cookie cutters. You can do this.

[Callie]

I did not need those.

[Caleb Hammer]

So these are the little things. Okay. What the are we doing as a society where we're getting a preschool graduation outfit?

[Callie]

Because they weren't doing graduation for her.

[Caleb Hammer]

Because it's preschool.

[Callie]

Kindergarten. And I might be a. But I have situation photos of myself and your parents. Passage.

[Caleb Hammer]

You ought to be like smokers.

[Callie]

No, but it's a rite of passage.

[Caleb Hammer]

You don't not graduate kindergarten. I mean memories.

[Drew]

How much was the. The cap and gown?

[Caleb Hammer]

I have how much dollars? It was 18 or I have one memory from preschool. Other than that, no one else has actually no kindergarten. One memory. Don't arrest me for this. It was illegal. I broke the law. I gaslit another kid in a line at the gymnasium to pull the fire alarm. He never showed up to school again.

[Drew]

You're not the one that pulled the fire alarm, so I think you're good.

[Caleb Hammer]

And I definitely did some manipulating to do it.

[Callie]

But it's memory.

[Caleb Hammer]

That's the only memory I have. This person will not have any other memory other than when he illegally did something.

[Drew]

Yes, she will.

[Callie]

You start. All the memories.

[Caleb Hammer]

Four years kindergarten. Are they from kindergarten? Are they pictured memories?

[Drew]

Remember a lot of times vivid memories from kindergarten.

[Callie]

She has a memory like me. She remembers everything. I kid you not. And he can attest to that. Yeah.

[Drew]

Plus the. She was so happy to put that cap and gown.

[Caleb Hammer]

I'm getting a lot of no pictures in the room.

[Drew]

She was so happy to take those pictures. I feel like $18 is money well spent.

[Caleb Hammer]

Remember a lot of the vivid memories that we have when we're young. Children psychologically are usually like pictures that we construct into memories that don't actually fully exist.

[Callie]

But it's memories for me. She's my first baby.

[Caleb Hammer]

Well, if it's for you, then you're being a selfish cuz you don't have the money. Cause you got the pants as well. You got some low pow Christian shirts for women.

[Callie]

It's just a T shirt and pants.

[Caleb Hammer]

Which is to survive.

[Callie]

Okay.

[Caleb Hammer]

Like we're trying to cut back right now. Dog whistle.

[Callie]

That was for training. Because he said that our dogs were training. Okay.

[Caleb Hammer]

With that one as a minimum meditation. Candles. Don't need it to survive.

[Drew]

It's a meditation candle.

[Callie]

It's the little candles for Bible study. Sorry.

[Caleb Hammer]

Well, off. She can study without candles, right? I've never had candles. I remember studying without candles.

[Callie]

She can.

[Caleb Hammer]

Slow feeder Dog bowl. That might make sense. Cookbook. Christian cookbook for beginners. You're paying the premium for. What is the. What's the atheist cookbook?

[Callie]

It's just a small cookbook.

[Caleb Hammer]

And it that you paid a premium. Cause it's Christian. Maybe they marketed it to you and you paid a premium for it.

[Callie]

Okay. We talked about it in my Bible study group and we all were gonna do stuff and that's why I bought it.

[Caleb Hammer]

Do they know you're poor as. Even though you make a lot of money?

[Callie]

We don't talk about our finances there.

[Caleb Hammer]

Well, that seems like actually something kind of important to bring up in that community setting. But that's okay. Inflect killer spray. That's fine. I don't think we're getting a. What does an atheist book? Muslim cookbook. I get it. All of a sudden you don't get pork and it gets scary. I understand.

[Drew]

Atheist cookbook.

[Caleb Hammer]

I don't know.

[Drew]

Would it be baby hearts?

[Caleb Hammer]

Is that what atheist eats? Maybe. I don't know. I don't think you needed a Christian cookbook. You paid the premium for it. Large arched felt bulletin board. They didn't need it to survive. Like off guys spending. What are we doing? And I'm sorry I triggered you with the Muslim cookbook cuz you were ranting beforehand how you're scared that you bought a house in an area that's being overrun by Muslims and.

[Callie]

Yes, I'm not scared.

[Caleb Hammer]

Dallas Fort Worth is, you know, I'm not scared. You know Frisco.

[Callie]

Yeah, we're like borderline.

[Drew]

We're near Frisco's actually.

[Caleb Hammer]

Really nice though.

[Callie]

Frisco's a beautiful city and it's not that they're. It's not that it's bad. They're nice. It's just that they literally are overtaking everything. And those, I mean, okay, they're overtaking everything. And they don't have to pay the premium to ask for, I don't know, to paint their doors and change stuff in their front lawn. But we do.

[Caleb Hammer]

What do you mean?

[Callie]

Our HOA requires you pay a fee.

[Caleb Hammer]

That's your hoa?

[Callie]

Yes, but they're all ran by a whole family. And that whole family lives in this HOA and they don't require anyone else to pay it. But then if I put something in. I tried and I had to pay that. But I talked to a lady at school, and she didn't have to pay it to get her flower beds. I wasn't trying to build out flower beds, but she built out a rock board around her flower bed, and she didn't have to pay for it.

[Drew]

She didn't have to pay the. The HOA approval fee.

[Callie]

No.

[Drew]

Application fee.

[Callie]

No.

[Caleb Hammer]

It's the first thing you're ranting to them that the schools celebrate. The public schools. They do celebrate Muslim holidays instead of Christian holidays.

[Callie]

Correct. And I don't like it.

[Caleb Hammer]

It's interesting.

[Callie]

My daughter came home and was talking about Ramadan and how we can celebrate it at home, and I said, we don't celebrate that. But that's wonderful that you learned it. Okay.

[Drew]

I learned about Ramadan.

[Callie]

No, they don't. They did. Like, they did a holiday party, and that was it.

[Caleb Hammer]

Well, I would prefer no religion in public schools.

[Callie]

Separation of church and state. I just think if you're going to allow one, then you should allow all.

[Caleb Hammer]

I mean, it's okay to say, like, this is a holiday that's happening today. Maybe get some snacks and treats.

[Callie]

No, they devote, like, a whole lesson plan to, like, Chinese, Lunar, New Year, Ramadan, all of that.

[Caleb Hammer]

But not Easter.

[Callie]

But not Easter. Not like any. Any other, like, Jewish holiday or Christmas. It. It is because of who's on the school board for this school.

[Caleb Hammer]

Yeah. It's a bit selective. Do all or do none. I don't know.

[Callie]

Yeah.

[Caleb Hammer]

Pat Land.

[Drew]

Yep.

[Caleb Hammer]

Okay. You immediately just spent 2, 600. I don't know what's going on. What's happened here?

[Callie]

That.

[Caleb Hammer]

That's the dog.

[Drew]

We financed our dog.

[Caleb Hammer]

You just got the dog?

[Drew]

Yep.

[Caleb Hammer]

Are you afraid of them eating it?

[Callie]

No, of course not.

[Caleb Hammer]

That's a racist joke for you. $2,570. What is a Pet Land? Is this one of those, like, pet stores? Females. Oh, those are. Those places are bad, dude.

[Drew]

I have heard after the fact that apparently people have some pretty low opinions on them.

[Caleb Hammer]

I didn't know about any of that.

[Drew]

So sorry to the people who protest Petland.

[Caleb Hammer]

Well, they're just kind of like puppy mills. Not saying, like, adopt, not shop.

[Drew]

Sure.

[Caleb Hammer]

But if, like, every adopt is, like, a pit bull, like, I get it. You don't necessarily need to do that because they'll kill your kids. But besides that, like, puppy mills aren't always.

[Callie]

They said it was a. A, like, accredited breeder and they gave background. Breeders.

[Caleb Hammer]

You think they're gonna say, hey, we're an unethical business, Please come to us. And spend your money. Okay, well, either way, you opened a credit card with them.

[Drew]

Yeah, it's deferred interest financing on the dog.

[Caleb Hammer]

How many dogs you got?

[Callie]

One.

[Drew]

Just the one.

[Caleb Hammer]

What'd you get?

[Callie]

An Australian shepherd.

[Caleb Hammer]

I'm sure it's a beautiful dog. It's fine, but he's very pretty. Supporting a business that isn't necessarily the best. 24 month. Oh, deferred.

[Drew]

Deferred.

[Caleb Hammer]

Yeah.

[Drew]

Guys, I know we're only making the minimum right now.

[Caleb Hammer]

Oh, yeah, 30 bucks. Okay, so 2,570. I'm guessing you have, like, 23 months left. 2, 5, 7. 23. So you actually have to make $112 payments a month or else this is going to accrue at a 36%. No, no, no. It is accruing at a 36% interest, and then that interest will hit if you don't pay it off. And what, 23 months from now? Yep. So $112 a month now going forward, or. Yeah, hundreds of dollars will hit. Oh, you don't even like the dog.

[Drew]

I really want.

[Caleb Hammer]

Not like a dog.

[Drew]

I really want you.

[Caleb Hammer]

What creature are you?

[Drew]

I. I love dogs. I grew up with dogs. I want to love him. But right now, it is so hard.

[Callie]

He lacks training, but he also won't train him. Well.

[Caleb Hammer]

Yeah, puppies don't come with training.

[Drew]

Well, of course not, but when part of the agreement of us getting this dog was, I will. I will do all the training.

[Caleb Hammer]

Oh, you said that whole. Why aren't you training them?

[Callie]

And I do when I have time.

[Caleb Hammer]

Oh, hey, potty. No, no, no, no, no, no. If you said, well, let's get a dog. I'll do the training.

[Callie]

Lay down, Come and, like, stay. He knows all of this training that hasn't happened.

[Caleb Hammer]

How many months old?

[Callie]

He's seven now. Seven months. He's one month older than I am.

[Caleb Hammer]

So you're out of the puppy training. You're out of the potty training.

[Callie]

Yes.

[Caleb Hammer]

Good.

[Callie]

What?

[Caleb Hammer]

And he listens to command. What are you complaining about?

[Callie]

Then he just jumps. He's very hyperactive sometimes.

[Drew]

Australian shepherd sit and lay down. But the problem is, when he's running around the backyard, he will fur missile into our middle child and hit him square in the torso. He nips it.

[Caleb Hammer]

All three of them.

[Drew]

I mean, the toddler on the face

[Caleb Hammer]

the other day, in a play way or aggressive way.

[Drew]

He thinks he's playing.

[Caleb Hammer]

He thinks he's playing. Yeah. I mean, yes, more trainings is gonna. Yeah, you might need more professional training on that. Honestly, with kids, for what it's worth. Yeah. I mean seven month year old Australian shepherd. Yes. It's going to be a bit more wild and you just need more.

[Drew]

That's new to me. I've never had such an active dog before. I grew up with lap dogs. I've never been around a dog like this.

[Caleb Hammer]

Yeah. Australians, they're crazy. Yeah. No, it's true. Okay, well, someone needs to take some responsibility here and do something and probably do real training. That will be real training.

[Drew]

Yeah.

[Caleb Hammer]

Maybe paid for. Unfortunately. Robin Hood credit card. I love my Robin Hood credit card, but you guys have done the opposite of me. Yeah.

[Callie]

I don't have access to that.

[Caleb Hammer]

I'm okay with you guys like at some point doing some kind of like shortcut. Like. Like. I know you're trying to do the avalanche. Not really. But if you do any kind of consolidation or personal loan. I just want to keep this in the back of your head. Bankruptcy. But not until you change your behavior. Because we're not changing our behavior. Again. They're spending on here. We're. If we're. We're not changing our behavior. Still spending on credit cards that you are not even. Or you're just making the minimum. The payments you're not paying off. You don't. Consolidations before.

[Callie]

Yes.

[Caleb Hammer]

Okay. See, and that just shows because then you racked it back up. It doesn't work until you change your behavior. Okay. When you're ready. And for people out there that have changed their behavior, we do have a good personal loan [e-mail] that we just connect you with. Good personal loans. The best personal loans for you. Check that out. And actually credit cards as well. Those are for people that are credit card people like me. Because I do really well with the Robinhood app. So I use our credit card finder service. You guys can't. The personal loan. Maybe someday for consolidation. It's good for them but not for you. Change your behavior first. Because again on Here you spend $712 even though it's maxed out.

[Callie]

Why?

[Caleb Hammer]

Whose Robin Hood card?

[Drew]

It's mine.

[Caleb Hammer]

Of course. I thought she was the problem. $4,685.73 $168 is the minimum. 20 years to pay off. Minimum with no purchases. 20. Yeah. YouTube TV. Which is fine.

[Drew]

Again.

[Caleb Hammer]

It's fine. Especially at your income level. I'll give you a large subscription fund. It's okay. Okay. It comes with all the NFL. Yeah. YouTube TV is good.

[Drew]

That's the only reason. I got it.

[Caleb Hammer]

You're putting it On a credit card that you can't pay off, though, so it doesn't make sense for you. Storage king. You guys have a big storage unit?

[Drew]

Yes, we do.

[Caleb Hammer]

Lifetime. You can't afford Lifetime. Listen, Lifetime's great. I also have that. You don't need it.

[Drew]

I. I need it.

[Callie]

It.

[Caleb Hammer]

Not Lifetime.

[Drew]

I need Lifetime.

[Caleb Hammer]

Why?

[Drew]

So Lifetime has the only. Lifetime's the only gym in our area that has child care. Child care for more than just the morning. And I can't always go in the morning.

[Caleb Hammer]

Okay, well, don't put it on a credit card. You're paying 550amonth.

[Drew]

Yeah, it's even more now.

[Caleb Hammer]

Death. Good death, man.

[Drew]

But look, the dude. Lifetime. I will not give it up. It's not. It's not.

[Caleb Hammer]

You have to budget it in.

[Drew]

I do budget it in the. The balance.

[Caleb Hammer]

Spending more money than you do.

[Drew]

Yeah, the balance that's on there. That's from before we even got the lifetime membership, but.

[Caleb Hammer]

Huh.

[Drew]

So it was already at a high balance.

[Caleb Hammer]

So you're making it worse. You're just getting. You're maintaining it.

[Drew]

Yeah, but I'm. I'm.

[Caleb Hammer]

Yourself.

[Drew]

I'm paying more than the lifetime plus minimum payment every month.

[Caleb Hammer]

Barely. It's moved down like a couple bucks. Even though you're still spending money. That money. That 700 that you spent could have been 700 that went towards the card and brought it down to below 4,000. So go yourself. What are you talking about?

[Drew]

I don't care what you say. I'm not giving up that membership.

[Caleb Hammer]

I. I'm not necessarily saying you have to, but it's going on a credit card.

[Drew]

You just said I can't afford it.

[Caleb Hammer]

Not in this context. Not on a credit card that is accruing interest. If we can put it on debit card, maybe we can figure it out, but you got to cut things somewhere. I give everyone a gym membership on the show. Lifetime. A bit excessive potentially, for your situation, but we'll figure it out in the end. All right, well, who's the American Express Gold card?

[Drew]

That'd be mine.

[Caleb Hammer]

Oh, buddy.

[Drew]

So that's a card that I got specifically for both of us to use, even though it's only one card that's in my name.

[Caleb Hammer]

Okay, well, this one, it looks like you actually pay off.

[Drew]

Yes. Yeah. That one has been used for only groceries and eating out.

[Caleb Hammer]

Okay. Eating out's bullshit, buddy.

[Drew]

I agree, but it's something that we're struggling to escape, so.

[Caleb Hammer]

Oh, are you guys adults or not? Shut the up. What do you mean you have Kids, shut up.

[Drew]

Yeah, so it goes on that and it's been getting paid off every month.

[Caleb Hammer]

Month. Yeah. Yeah. And I can give you the high five for paying it off every month. But guess what? The money you're having to use to pay it off every month that is going towards paying off, you're eating out could be money that is going towards the three credit cards that, that came before this that are not being paid off. So if you spend, you know what, what did you spend on this? You spent like 2000 on this card right across the multiple things and you paid off. Great. Say a thousand of it is eating out. That means that's a thousand of it that you could put towards the Robin Hood card and bring it to below 3,000 combined with the spending you did on the Robin Hood card. So it doesn't matter. Like, yes, this is paid off. Congratulations. First card of the four cards we looked at that is paid off. But it is still money being spent that could go towards things to improve your life and actually avalanche like you like to. You're not avalanche. You've never heard of avalanche in your life.

[Drew]

I mean, obviously I've heard of it. I wouldn't have brought it up if I had.

[Caleb Hammer]

You don't know what it is though. If you're not doing it, you're uber eating. Uber eating.

[Drew]

That.

[Caleb Hammer]

That would be getting some dominoes.

[Drew]

I disagree with uber eating what he does.

[Caleb Hammer]

Well, you should. Yeah, it's. It's a premium. It's like an extra. I looked at the statistics yesterday. It's like an extra 90 surcharge.

[Drew]

Yeah, I believe it.

[Callie]

100 and I, I don't disagree. But working eight hours a day, having kids and school, and then he is gonna go to work at 5. He wakes up at 4:30, he takes like an afternoon nap.

[Caleb Hammer]

And this is 4:30. And this is gonna step in in some kind of way. In some kind of way. You need to step up in some kind of way. And also meal prep. If we're cooking a few times a week, you can warm things up. Dizzy.

[Callie]

True.

[Caleb Hammer]

So.

[Callie]

And I do, I do, I do sometimes, like I'll make a big. I'll make a big meal and we'll save it and we'll have it like for leftovers or whatever. But when you're like the primary cooker in your house.

[Caleb Hammer]

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[Callie]

Great.

[Caleb Hammer]

Check out the link in the description below to see your personalized offers. Or go to calebhammer.com and remember, you still got to do the work. Listen, I don't know if she I'll get your sister, of course Grizz, because you guys are doing great on your income. Sounds like she needs to figure her out. I'll get her, of course, career certification and I'll get her on helium as well for a cheaper phone plan. But I don't know, like she needs to step up and help. Domino's, Whataburger, Starbucks, Exquisite Cafe Morning Donut. Cheeky Monkeys Cheeky Monkeys. So much Chick Fil.

[Callie]

A Cheeky monkey was a birthday Black Rock coffee.

[Caleb Hammer]

Uber eats 65 bucks in that one. It's so yes, paid off, but could instead go towards actually helping to pay off one of your bad debts. Oh one main financial what is this?

[Drew]

Yep, so this is a consolidation loan

[Caleb Hammer]

that I took out a few years

[Drew]

ago because we were this is before most of these credit cards that we've gone over even existed. But we, we'd gotten stuff or all of our cards maxed out. I didn't.

[Callie]

He got all of his cards maxed out. And this is before we were started looking for a home. And it's the reason why we couldn't buy a home sooner than we did.

[Caleb Hammer]

So you guys are renting right now?

[Callie]

No, we bought a home two years ago. So this was like two years ago. But we lived in an apartment for a year. And then my job gives. Really?

[Caleb Hammer]

Did you take it out behind your back?

[Callie]

Yeah, he took it out and didn't tell me about it. And I had been planning. We'd been talking about buying a home.

[Caleb Hammer]

I'm sure she can't trust you.

[Callie]

My job gives really great bonuses that we could have used toward a down payment to lower our rent. And then he did this, which up our debt to income and we couldn't buy a house.

[Caleb Hammer]

Yeah.

[Callie]

So we had to wage our apartment for another year.

[Drew]

I, I was trying to control, Take, take control of all the finances without, you know, having the mature conversation of explaining that we're in a bad spot. And I just did that. I thought I could.

[Caleb Hammer]

What's the point of the personal loan anyway? The interest rate is practically a credit card at 24.21 interest. Right. Because it's horrendous.

[Drew]

It was still better than the rates that I had.

[Caleb Hammer]

And at least. I don't know. Okay. You can usually declare some kind of hardship with many credit cards and they'll get you on like a 1% interest loan, but then you have to push

[Callie]

out the credit card.

[Caleb Hammer]

Yes.

[Drew]

Yeah, but that's happened with loans.

[Caleb Hammer]

What's the point of the personal. What was the consolidation was. Without closing, you're just going to end up in the same situation, which you did. So if. Okay, so $477.87 a month and you owe $10,118.01 with an insane interest rate. Yeah. Okay. And I'm also being told there was another loan that he didn't send in. What the what?

[Callie]

So we have an upstart loan that I originally took out to pay for our daughter's dental care because he failed to put her on his dental plan and she never had dental care and then she had cavities and that was $10,000. So I had to take out a loan to assist in the payment of that because he failed to put her on insurance.

[Caleb Hammer]

Why aren't you putting your kids on your insurance?

[Callie]

He was lazy and procrastinated.

[Drew]

I have since then.

[Caleb Hammer]

Well, since Then after the consequences.

[Drew]

Yeah, no, I recognized where I messed up in that situation, but. But, you know, obviously her dental health is important and she need. There was work that she needed to get done. I felt like if we waited the two months for her to actually be on the insurance plan and then schedule everything, it would have been okay. But instead we just pushed through and took care of it.

[Callie]

That he didn't have her on insurance. I got independent insurance for her, but they told us to wait 60 days before any actual care could be done, aside from cleanings. He wanted to get it done asap.

[Caleb Hammer]

It wasn't a root canal emergency.

[Drew]

She had. She had several cavities and needed crowns.

[Callie]

Yeah.

[Drew]

Oh, the.

[Caleb Hammer]

Which age?

[Callie]

One.

[Drew]

The oldest. So she was even. She was five at the time.

[Caleb Hammer]

That's like her baby teeth, right?

[Callie]

Yes, but then if you don't, it. Well, okay. If you don't take care of those teeth and it burrows down into the teeth that come up and it like you up for the rest of your life.

[Caleb Hammer]

Okay, so. And the dentist said you couldn't wait.

[Callie]

I was at work, so he took her.

[Caleb Hammer]

Oh, you just went. You just did?

[Drew]

Yeah, well, I took her and I. I felt pressured to get it done right then and there from Cali instead of waiting two months for her to actually have insurance coverage, because I was

[Caleb Hammer]

doing what's necessary for her to not get those anymore.

[Callie]

Yes.

[Caleb Hammer]

That's pretty early to get such intense dental work, right?

[Callie]

Yes, but I was also the only one who was brushing her teeth, and I would do it day and night.

[Caleb Hammer]

She's brushing her own teeth now?

[Callie]

Well, now she does.

[Drew]

She's old enough to do it now. Just as long as she's okay.

[Caleb Hammer]

What's the balance on upstart?

[Callie]

It's like 5600. Because whenever I get bonuses, I.

[Caleb Hammer]

What's the minimum payment?

[Callie]

It's, I think, like 112.

[Caleb Hammer]

What's the interest?

[Callie]

32%.

[Caleb Hammer]

What the.

[Callie]

It was what I could get at the time.

[Caleb Hammer]

Okay. Wells Fargo credit card. What's this?

[Drew]

So that's mine.

[Caleb Hammer]

Have they not been yours yet?

[Drew]

Everything that you have is mine, but the spending is.

[Callie]

I gave you all of my stuff.

[Drew]

Okay, well, I didn't send it in. Sorry.

[Caleb Hammer]

What the. So it's even worse. It's even more.

[Callie]

I have like three credit cards. So you're not with bad, but they're not with, like, high limits. Like, his are his or.

[Caleb Hammer]

It doesn't matter. They're still balances, you dumb tit.

[Drew]

You're right. The reason I didn't Send them in is because that upstart loan that I've got, was. It consolidated her stuff stuff. So it's in.

[Caleb Hammer]

But she still has balances on her credit cards.

[Callie]

I have recurring stuff that pays off every month, so I pay it off every month.

[Caleb Hammer]

The balances you don't.

[Callie]

Like, like.

[Caleb Hammer]

I still want to know your spending.

[Callie]

Oh, it's like Apple Music.

[Caleb Hammer]

Be prepared to pull those up. I want to see the spending either way. 5336.16 minimum to payment 123.72. Interest is accruing. So it's temporarily at 1%, right?

[Drew]

Yeah. So that. That account. That account is closed.

[Caleb Hammer]

Ah, so you did the hardship thing that I talked about.

[Drew]

Yeah, I didn't know that that's what I was signing up with them to do. I was just.

[Caleb Hammer]

What's wrong with closing your accounts? You already have a house.

[Drew]

There's nothing wrong with it. I didn't know that I could close it and take out or get this hardship situation with them to have a minuscule interest rate on what's left.

[Caleb Hammer]

Okay.

[Drew]

I didn't know that that was an option, but I found it by accident.

[Callie]

Are you paying on that? Yeah, I didn't know that. What, that he was paying on the Wells Fargo one.

[Caleb Hammer]

Well, he has a minimum.

[Drew]

Yeah, just. Just the minimum every month.

[Callie]

I think now would be a really great time to tell you that he also opened up a new credit card with usaa.

[Caleb Hammer]

Yeah, well, since.

[Callie]

Okay, yeah, since we just got it in the mail.

[Caleb Hammer]

Why? Dude, what is your addiction here? This is insane.

[Drew]

So a lot of those other ones, I fell. I fell into the trap of points chasing. I. I didn't do it. I didn't do the process correctly.

[Caleb Hammer]

And that's how, what, where, like, interest is accruing, that completely negates any kind of points you'd ever get.

[Drew]

Yes.

[Caleb Hammer]

Okay, so. Oh, and then you applied to financial audit, submitted your documents, and then got a new credit card like you already know. You're.

[Drew]

Yeah, I know, brother.

[Caleb Hammer]

So this is why I hidden a

[Callie]

card, so he couldn't activate it even on here.

[Caleb Hammer]

It's this bullshit spending. Rosa's Cafe and Tortilla. Going inside, getting some energy drinks. More Pet Land. What? You made your Pet Land down payment, maybe on here.

[Drew]

So that's a separate financing deal. It charges over. It charges over. 12 months. A. A set balance.

[Caleb Hammer]

Chipley's Donuts should please Donuts. And I'll be honest, girl had her friends in town. I was like, you know, let's get a little Texas love. Gosh. Please. I used to think they're incredible. There's some. Those worst donuts I've ever had in my life.

[Drew]

It's got to be a fresh glaze. It's the only one that's good.

[Caleb Hammer]

And they're. They're just. There's like bread. This is bread. It's not donuts. They're like. They're actually like a loaf of bread that's slightly glazed. They're. Man, that is.

[Drew]

I know. I know. There's better donuts out there. That's.

[Caleb Hammer]

Yeah. Donuts. Krispy Kreme. That's ever. Even Dunkin. Tim Horton.

[Drew]

Absolutely. Duncan is trash.

[Caleb Hammer]

It's not good. You're right. It's not good. But it's better than Shipley. No, it is not. Shipley's not a donut. Dude.

[Callie]

Why are we arguing over Shipley is. We all know like the little Korean little places.

[Drew]

We are donut connoisseurs.

[Caleb Hammer]

We are fat. Except.

[Drew]

And he's got a bad opinion about Chipley.

[Caleb Hammer]

It's not a bad. They're not donuts. You're right. They're Dunkin eat a ship. But at least they're donuts. You're talking about a loaf of bread that gets a little glaze on it. It's horrible. It's literally.

[Drew]

Disagree.

[Caleb Hammer]

It is the. Congratulations. They're horrible. Everyone. I saw everyone shake their head yes when I said that. Because they're shit donuts. You're a bad fat.

[Drew]

Okay. I don't want to be fat. So I guess it's a good thing that I'm a bad fat.

[Caleb Hammer]

Maybe you're only getting fatter and it's on shitty food.

[Drew]

Yeah. It's cuz I'm damn good at getting fat.

[Caleb Hammer]

That you're damn good at eating the worst donuts. If you're gonna be in public safety, at least get the good donuts.

[Drew]

Well, I don't get donuts while I'm working.

[Callie]

He gets them after. For the kids. We do like a little donut sundae which has crispy. Well, yeah, honestly we don't really love Krispy Kreme.

[Drew]

There's not one on the way home. Yeah, it's two out of the way.

[Caleb Hammer]

Okay. Saver card.

[Drew]

Who also. My what?

[Caleb Hammer]

$972.42. Never get ship. It's horrendous. Worst I've ever had. The. The. The friends were so disappointed and everyone was so dis. They were so. They were just so bad. They were so bad. Got the glaze, got the filled, got the strawberry sprinkles. We got everything. It was all Bavarian filled. Horrible, horrible, horrible.

[Callie]

I don't disagree.

[Caleb Hammer]

Then I got one then. And then I ate one the next day and it gave me diarrhea farts all day. It was horrible. $972.42 on here. Interest rate accrued. No purchases. But you're only making the minimum. Cuz we're avalanching I. E. Spending on the credit cards that we're putting more towards. Stupid, stupid ass. Seven years to pay off. Interest is being accruing like crazy. Yeah, okay. Venmo credit card. Me. What? A balance. And a Venmo credit card takes eight years to pay off. 2,784. Ridiculous. You'll have experienced two more preschool graduations by the time this has paid off.

[Callie]

But they're all going to use the same.

[Caleb Hammer]

Yeah, they better. Because that's the most pointless waste of society thing. Our quality of education is going down everywhere in this country. Everyone's becoming more. And you're giving them a celebration for preschool. Yeah, golf, kindergarten, whatever. Same thing. Same bullshit to me. $69 monthly payment. 8 years to pay off. Oh, you are. No interest. Interest is being accrued. Brutal. Of 50 bucks practically after a $70 payment. $2,077.84. Auto. We have a car.

[Callie]

That's my car.

[Caleb Hammer]

What is it?

[Callie]

It's a 2024 Volkswagen Atlas SE tech.

[Caleb Hammer]

Okay, well, you owe $38,000. $385.74 with a minimum monthly payment of $754. Now that's that high income shit. That's where people themselves. I got death threats on Twitter yesterday after DexDorto posted a clip of me saying we spend too much on cars. Here's an example. They make so much money, then they get $800 minimum payment on their car that they don't need. You know how much it's worth for your 40,000 hour loan?

[Callie]

What's it worth?

[Caleb Hammer]

What's it worth?

[Callie]

It's worth a lot to me.

[Caleb Hammer]

Okay. $28,000.

[Callie]

You okay? Well, I'm gonna drive the wheels off it. But also this is what everyone says. Well, I don't have any plans to upgrade. We've upgraded.

[Caleb Hammer]

What are you, a little Nazi? What do you mean? What?

[Callie]

I just like my car. We upgraded because all three car seats would not fit in my previous car.

[Caleb Hammer]

Don't care. You owe a lot of money on this car.

[Callie]

What am I supposed to do? Drag the other kid behind me with a chain?

[Caleb Hammer]

Other cars that exist that can fit it that are not $40,000 at an 800 payment. I what name would have to have my head? A used Volkswagen.

[Callie]

Ours was. No, it was new, but we got a better deal on it. You on a.

[Caleb Hammer]

Shut the up. You didn't get a good deal. You're underwater by 10,000 hours. What's the interest rate on it?

[Drew]

7 and change golf.

[Caleb Hammer]

So it's barely even competing with the marketplace. If your money's in there and then you got depreciating. You already lost 10. You'll lose more as it goes me so stupid. What is this? That's then a lease? Yeah, you have a lease. What's your lease?

[Drew]

I got a 2025 F150.

[Caleb Hammer]

This is.

[Callie]

And he had a Volkswagen Jetta that was almost paid off.

[Caleb Hammer]

You are a American. You don't do anything. You go to work and drive a different car. You don't need this. You don't do anything. You pick up groceries.

[Drew]

I've used it for things that I

[Caleb Hammer]

couldn't have done a couple times. That you can rent a car for that you could rent the truck in the moment for you don't you never. You never. In no way do you need an F150.

[Drew]

I mean I needed something that just like hers that could fit all three car seats.

[Caleb Hammer]

You didn't need a Ford F150 and

[Drew]

also do other things like whenever we were she wanted to build something for doing pottery Rent.

[Caleb Hammer]

You don't need to lease this at $579.81 a month, which your miles will likely be over. Which your gas payment especially now is aggressive on.

[Drew]

Yeah, the gas is hard right now.

[Caleb Hammer]

Yeah, your problem, your fault.

[Callie]

Can I also just say that our monthly payments increased on things because he had a really sweet deal where he was still on his parents insurance and he was not paying his dad for the insurance. So they told him to get his own. So now he has to pay. What is it like $300 with your own.

[Drew]

Yeah, between the truck for the budget.

[Caleb Hammer]

What's the term on this?

[Callie]

Five years?

[Drew]

40. No, 48 months.

[Caleb Hammer]

And what are you gonna do after once it's done?

[Callie]

Release it to keep it.

[Caleb Hammer]

Why something you don't literally get an

[Callie]

auto loan to finish.

[Caleb Hammer]

You have a Ford F150 to get to the office and you have a Ford F150 to get groceries. This is so pathetic. You're the most American piece of shit with a stupid car. Car. It's so stupid.

[Drew]

I. I think that it's. That it works out because I mean just Right.

[Caleb Hammer]

I can't afford it. Your car payments are a thousand five hundred bucks.

[Drew]

Yeah I know they're expensive but I mean just. Just for the truck I have. I have.

[Caleb Hammer]

You don't utilize.

[Drew]

I have a 40. A 40 mile commute to work.

[Caleb Hammer]

That's even a worse reason to. That's even a worse reason to have a truck. A 40 mile commute. What the.

[Drew]

Yeah. No I. I'm not disputing that the fuel economy sucks compared to. To the last car that I had. But I'm in a position where no matter the weather, no matter what's going on I have to get there.

[Caleb Hammer]

So body with it just standard suv you'd be fine.

[Drew]

Over the winter when we had snow

[Caleb Hammer]

and ice just four wheel drive suv you'd be fine.

[Drew]

A four wheel drive SUV is the same price I went to.

[Caleb Hammer]

I think it was like the statistically like the eighth snowiest university in the United States. Snows up to here constantly. West Michigan. Lake Michigan Lake effect snow. Crazy. I had a two wheel drive horrible sedan and I was doing delivery. Jimmy John's in avalanches. Shut up.

[Drew]

Compact snow is way easier to drive on than black ice.

[Caleb Hammer]

Ice. What are you talking. I was black ice every second of every day. What do you think happens up there? It's horrible. It's scary.

[Drew]

I think it just snows and everyone drives on it and then it compacts

[Caleb Hammer]

and it's easy to drive. No and it's also also like hurricane snow too. Blizzards buddy. This is a cope. You're coping. Shut the up your house. $323,856.84 what's it worth right now?

[Callie]

I think it's worth 368.

[Caleb Hammer]

Okay. So I guess you would be close to breaking even if you sold it after everything. $2,349.71 a month. A decent rate actually good rate at 4.25. So I do like to see that.

[Callie]

That.

[Caleb Hammer]

That's fine. I'm not freaking out about the house. I don't know if the mortgage.

[Drew]

Mortgage payment's a little higher now after the first year there was.

[Caleb Hammer]

So what's it now?

[Drew]

Just under. Yeah it's just under 3,000.

[Callie]

Hey me but that because our taxes went up and then we also found out that we were.

[Caleb Hammer]

Show me your credit cards.

[Callie]

We were. We also found out.

[Caleb Hammer]

Show me your credit cards.

[Callie]

Double paying insurance.

[Caleb Hammer]

Here we go. Checking account. Decent money in there. But it's cheesecake. Great American lush. Sonic. Sonic. Bullshit at Target. Bullshit at Target. Amazon Sonic. Apple Bill. Waterburger. Lowe's nails, Etsy. Bullshit. McDonald's bullshit. Sonic. Bullshit. Sonic, Sonic, Sonic. What is with you in Sonic? It's horrible. It's the greasiest shit in the world.

[Callie]

Defend that shit because it is one drink, maybe two with my sister and

[Caleb Hammer]

it came 42.50 at Sonic.

[Drew]

That was the night that we all had dinners.

[Caleb Hammer]

Yeah, interesting.

[Callie]

I get it.

[Caleb Hammer]

Shut the up. No you didn't. Okay, ten dollars. It's a ten dollar drink.

[Callie]

If me and my sister go and

[Caleb Hammer]

she gets a sister that doesn't pay rent off Amazon when it's I got some energy drinks. Spotify, Sonic Apple bill Energy drink Snowy Fun Energy drink Snowy Fun was a birthday candy Express coffee. Can't afford it. Amazon Amazon School Cafe Raising cane Sonic. Amazon Amazon, Amazon okay. Pharmacy probably okay. McDonald's Sonic McDonald's Amazon energy drink Bullshit Auto pay. Oh, auto payment. Well something I don't know but it's like 41 bucks. Blackrock Coffee.

[Callie]

Oh that was like an auto payment to a card.

[Caleb Hammer]

Amazon in n out Bullshit Apple bill Water burger Water burger, Water burger. Sonic, Sonic, Boot City Cavenders Bullshit Sonic bullshit Energy drink. Bullshit Apple belt energy drink. McDonald's canteen vending machine. Yeah, at work probably. Vending machine. BlackRock Coffee Sonic Coffee Bullshit Raising canes. Got the trial for AMSI every dollar. Well now you get dollar wise for free forever so congratulations. McDonald's bullshit Victoria's Secret. 80 bucks there. Chick Fil A Starbucks Bullshit Water burger Sonic Apple bill Sonic Energy drinks Energy drinks Sonic Whataburger Blackrock coffee Amazon Amazon what the are we doing? Savings 103 wow, what a stunning success. $200,000 a year household. What the are we doing 7% employee contribution rate for this TMRS? Well what's the balance? 13,000. Definitely behind for your age. Yeah, but that Robin Hood 189.

[Drew]

So on that on that retirement account it's my employer. Matches two to one so that's good.

[Caleb Hammer]

But there's only 13 in there.

[Drew]

Right? But that's all.

[Caleb Hammer]

That's only before the match.

[Drew]

That's only my contributions. Okay Because I'm not fully vested yet. So I can see the amount that will be available. It's just not fully available until I hit five years with them.

[Caleb Hammer]

Got you even still behind for your age for sure. That's only your income and that's not what your retirement should be at in about one year.

[Drew]

Probably a hundred thousand dollars.

[Caleb Hammer]

Two hundred thousand dollars combined.

[Callie]

So what we need to be doing is paying off everything and then living solely off One income and putting everything else away.

[Caleb Hammer]

You're just literally having a monthly fee on here. You're just paying for your monthly fee.

[Callie]

I was just saying. Give me the next card. I can't.

[Drew]

You still haven't canceled that card.

[Callie]

No, I haven't. I'm sorry.

[Caleb Hammer]

You need to.

[Callie]

I know.

[Drew]

I told her that she needs to cancel.

[Caleb Hammer]

You're literally just paying a monthly fee for the credit card and you didn't

[Drew]

even spend on it and you still have the credit one?

[Callie]

Yeah.

[Caleb Hammer]

Credit one's insane.

[Callie]

Yeah, I need to delete. I need to delete them or I need to cancel them.

[Drew]

Yeah, I told you that three months ago.

[Callie]

Sorry.

[Caleb Hammer]

Well, why didn't you do it?

[Callie]

I forgot to be so honest.

[Caleb Hammer]

Shut the up. What kind of. That's so immature. Credit One's insane. All this bullshit's insane. Minimum three payments. No mortgage. $2,423.41 without the mortgage. Guys, 2500 bucks. Never been in the Credit One app. This is disgusting. Okay, yeah. You purchased 46 bucks here. Where'd it go? Probably Canva and church and another credit one cheese the Canva.

[Callie]

I probably need to expense. That's for work. I do a lot of our marketing stuff.

[Caleb Hammer]

But you're doing it on the credit one is insane.

[Callie]

It's just what was attached to it.

[Caleb Hammer]

Stan Pato.

[Callie]

What?

[Caleb Hammer]

I don't know. It's a store. Some. Some guy's store you spend money in. Could have won. Oh, and here we go. Recent transactions. BlackRock, Coffee, Sonic. It just continues. He went inside, got some. Oh, some gas. Sonic, Starbucks, Jack in the Box, Barnes and Noble, monster yogurt, chick Fil A. What the is wrong with you? You guys are pathetic on your spending. This is insane. Mortgage, 2,900. What's your gas, electric, utilities, Internet.

[Callie]

Combined, Our electric is 150. Our gas is 60. Our water is 125. Our trash is into water.

[Drew]

Internet. So utility should be around 350. Internet. It also has her phone bundle.

[Callie]

It's included in our phone.

[Caleb Hammer]

How much?

[Callie]

It's like $400 a month for.

[Drew]

No, no, it's.

[Callie]

It just went down.

[Drew]

It just went down to three. Good death for phone plus Internet.

[Caleb Hammer]

650 off. Man, again. Helium. When your phone's paid off. What the are we doing? I know the service is great up there. Phone bill. All right, well, we already did. Is there an additional phone bill on top of that?

[Callie]

He should be paying his parents for his.

[Caleb Hammer]

How much? No.

[Drew]

So my. My agreement with my parents is they have me on Their plan as the primary. As the primary.

[Caleb Hammer]

So that they gas. Vroom, vroom. Drive, drive. Both of you combined. It's gonna be insane.

[Drew]

Right now we're like 450amonth, but it's even that low.

[Callie]

I also get like a 300 stipend every quarter for gas.

[Caleb Hammer]

Oh, quarter.

[Callie]

Yeah.

[Caleb Hammer]

Okay, so I'll bring it down to 350 then. 100 went to it. Car insurance, combined.

[Callie]

You just combined it.

[Drew]

Oh, what did it just go up to? About 400.

[Caleb Hammer]

Kill me. Okay, necessary food. Listen. Okay, so two 20 month old, pretty much eating everything normal.

[Callie]

265.

[Drew]

That's the. That's the last payment.

[Callie]

Oh, he added me to it.

[Caleb Hammer]

Either way, 20 month year old, 2 year old eating everything just normal.

[Callie]

Yeah, eats everything under the six month olds.

[Caleb Hammer]

It's not like baby food though.

[Drew]

Yes, baby food and formula form.

[Caleb Hammer]

That's formula.

[Callie]

200 to 300amonth.

[Caleb Hammer]

That's fine. So I think we should be able to do groceries, total meal prepping. About a thousand bucks. TP Find anything else? Need to survive. That is diapers, that is everything. That is bullshit. Is toilet paper. It is school. It's going to be expensive for a household like yours. About 500 bucks a month. Medical, health care. How much co pays monthly basis? Anything.

[Drew]

We have a. We owe money to the pediatrician's office.

[Caleb Hammer]

Well, that's a debt. Well, it.

[Drew]

It's because I didn't know the.

[Caleb Hammer]

Well, how much?

[Drew]

It's $100 every month.

[Callie]

It's for 27 months. It's $2,700.

[Caleb Hammer]

I'll add 100 bucks to enter the deck because that's what it is. Are there any CO pays on a monthly basis though?

[Callie]

No. Okay.

[Caleb Hammer]

Jim, what was it, like 550?

[Drew]

Oh, it's way more than that now because how much, man? Third kid. Then she added Pilates to it.

[Caleb Hammer]

How much?

[Drew]

765.

[Caleb Hammer]

I'll see how it ends up. Pet insurance. 50 bucks. How much for pet food?

[Callie]

50 bucks every quarter. He. He eats like a cup of food for three days.

[Caleb Hammer]

It'll ramp up. Okay, 20 bucks. I'll put.

[Drew]

He's fully grown now.

[Callie]

Okay, so he's still a puppy.

[Caleb Hammer]

I mean he's the best that he's not.

[Drew]

He's not going to grow in size anymore.

[Caleb Hammer]

Okay.

[Drew]

I don't know if that means subscriptions.

[Caleb Hammer]

I'm gonna try to give you guys like 200 bucks if I'm being nice. Let's see, anything else that needs to be in this budget?

[Drew]

I don't think so.

[Caleb Hammer]

All Right, guys? Yeah. Even with that, there's some wiggle room, but there's a lot of debt to pay off. Okay. So needed to survive. 9,364.11. I gave you 200 for subscriptions. You can use some of that. Put it to fun. Maybe a hundred dollars for subscriptions, 100 for fun. But you don't get to spend money on or not right now because you have an extra. Okay, let me do this. Let me give you guys 200 for fun. You have an extra 2,200 on a monthly basis. Okay, so that's going out to you. It's going, doing whatever. Save it up over a month and have 400 hours next month. Whatever. But I need to figure out more than anything the most important. Okay, so total debt 68, $410 and 4 cents plus. What's the total pediatrician debt?

[Callie]

2700.

[Caleb Hammer]

Okay. With the $2,200, I mean, yeah, you guys paid off in just about two and a half years and that's not bad. And I'm giving you fun money and you know, over time, more we can rack up, the better that pays it off. Raises throughout the years that'll pay it off. I wouldn't be surprised if you guys pay it off in about two years, to be completely honest. And that's with fun money and a great subscription fund. And I gave you a lot. But you're meal prepping, we're not eating now. You can use your $200 for it. Take 100 from subscriptions, you can use $300 towards. There you go. But whatever. It's two years, guys. This isn't the end of the world. Or two and a half, depending if your income is purely stagnant. But you have to make a change. You have to make a sacri. More credit card spending. It's all in the debit. And yes, you did have enough money in there. You didn't have to put it on credit card stuff around. You guys are behind in retirement. Don't put yourself in a dangerous situation with your kid. You guys make an incredible income. Take advantage of it. Now guys, stop being pathetic. Stop being pathetic. Then after that, a fully funded six month emergency fund, then 20% is going to retirement on a monthly basis. And you guys have an incredible 30% to spend on fun with your $11,800 which will be even higher. But you'll be able to spend $3,540 a month on fun golf. That's better than anyone gets to to ever. So shut the up this is the easiest situation ever. It's disgusting that you're in it. It's disgusting that you're not getting out of it. It's not complicated. Communicate. Go with the couples therapies. Figure it the out before we go to the post show let me get their Hammer Financial score. Get yours@caleb hammer.com spending in a budget you overspent dramatically. $22,000 0 out of 10 cuz you guys don't communicate, you won't talk, you don't budget use. Dollar wise debt, no collections which is good but it is pretty. I'll give you a 2 out of 10. Not good. Obviously 2 years to pay off though emergency funds. There was really nothing in savings. There's a little bit in checking account. I'll give you a 2 out of 10 to be generous because there's like 6,000 checking account. I'm sure that fluctuates dramatically. In fact I'll give it a 1 out of 10 because of that retirement Definitely behind for our age. I didn't see anything from you.

[Callie]

So what? No, my company doesn't have a retirement plan and I don't have.

[Caleb Hammer]

They don't have a 401k? No they don't have to match for them. Okay well you still have access to IRAs so right off I have an

[Callie]

interest bearing savings account but okay ira,

[Caleb Hammer]

max it out dude. Okay whatever retirement I will give you about a 3 out of 10 there that might be generous. Real estate is the only thing going for you. You can sell a break even. Great interest rate, good location. You're in a boom town. Yeah yeah yeah. No I'm happy with the real estate 8 out of 10 but I'm going to bring the retirement down to 2. Hammer Financial score. Get yours@caleb hammer.com Real estate's caring you guys. Three out of ten. Join us in the post show by clicking that join button or by downloading the Hammer Elite app or going to hammer elite.com. you can watch it on YouTube or you can watch it on our platform. Completely up to you say membership on both places. Love you guys. Thanks for supporting us. See you in the best membership on YouTube and the ham and the financial auto post show.

[Callie]

There was a consolidation loan that we

[Caleb Hammer]

didn't talk about but you haven't changed your behavior. You spent so much money.

[Drew]

Hey it wasn't even my idea.

[Caleb Hammer]

Whose idea was it Kelly?

[Callie]

It was your idea. It was.

[Drew]

So was the upstart.

[Caleb Hammer]

How much was the loan for?

[Drew]

Thousand dollars consolidated.

[Caleb Hammer]

I have an exclusive offer just for you. But there's only one week left left to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Plus, 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. 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. Promise.

[Drew]

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