Financial Audit's Most Evil Parents

Summary

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Financial Audit: "Financial Audit's Most Evil Parents"

Host: Caleb Hammer
Date: April 20, 2026
Guests: Amy (44, mother), Nick (45, father), Beth (21, daughter)
Location: Little Rock, Arkansas

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Episode Overview

This episode of Financial Audit dives into the chaotic financial – and personal – dynamics of a family from Little Rock, Arkansas. For the first time, host Caleb Hammer audits an entire family unit: parents Amy and Nick, and their adult daughter Beth. The episode examines their dysfunctional spending habits, deep-seated issues with enabling and accountability, parental boundaries, and—most of all—the catastrophic effect of unchecked gambling.

Caleb peels back the layers of enmeshment, financial illiteracy, and “forever childhood,” while the family openly argues about responsibility, trust, and why everyone seems stuck—in more ways than one. It’s a cocktail of overspending, hidden addictions, family drama, and generational stagnation.

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Key Discussion Points and Insights

1. Family Structure and Dysfunction Revealed (00:03 – 08:00)

• Beth still lives at home (with her boyfriend of 6 years), along with six dogs, two ferrets, and a six-year-old younger brother.
• Beth’s boyfriend lives rent-free, contributing little to household expenses.
• Trust issues are rampant. Beth barely trusts her dad, and the boyfriend “doesn’t trust anyone,” claiming money paid for rent wouldn’t be used properly.
• Enablement is explicit: Amy and Nick admit to enabling both Beth and each other. Amy:

  “I am an enabler. I know I’m an enabler.” (06:46)

• Nick admits:

  “Because I’m weak, I guess, when it comes to...” (06:57)

2. Parental Frustrations and Boundaries (08:00 – 17:30)

• Amy feels overwhelmed with household duties:

  “I am tired of doing everything. I literally do all of it.” — Amy (09:57)

• Household finances are tangled—venting about money often crosses boundaries, as Amy and Beth discuss Nick’s spending habits openly.
• Caleb observes:

  “You guys are pushing more so him to get her to move the f*** out. But we’re not really actually doing anything to achieve this.” (16:29)

3. History of Addiction and Dysfunction (12:00 – 16:50)

• Nick had a drug problem (multiple substances, including weed) and went to rehab 5–6 years ago as the result of an “intervention.”
• Nick now appears to spend hours in the bathroom, which triggers suspicions about current addictions.
• Nick:

  “I do spend a lot on just sundry items... cigarettes.” (09:04)

• Beth:

  “Any downtime, he’ll be in the bathroom playing it [gambling].” (28:58)

4. Gambling Addiction: The Family Disease (27:33 – 63:00)

• Online slots and gambling have replaced drugs as the primary addiction, with both Amy and Nick involved.

• Nick admits:

  “I don’t know anything about our finances... I don’t know how much I spend on gambling.” (27:54)

• Amy won $60,000 gambling (a one-time win), but most weeks the net is deeply negative.

  “It’s thousands a week, but some of that... I mean, there are winnings to it. I mean, I won $60,000.” — Amy (28:19)

• Gambling is evident in line-by-line bank statements—Caleb estimates $5,598 was spent in gambling in a single month (62:05).

• Amy is adamant:

  “I haven’t gambled since Saturday.” (60:17)
  Caleb retorts with disbelief:
  “It hasn’t even been a week. Shut the f*** up.” (70:19)

• The family recognizes they lack control but has not put self-exclusion methods in place.

5. Financial Illiteracy, Chaos, and Debt (41:00 – 99:00)

• Household income is over $120,000/year (Amy: $82K, Nick: fluctuates between $40K–$52K).
• The family lives in a trailer on property they purchased (with borrowed money from family), but a tree recently destroyed it.
• Debt is spread over numerous credit cards, lines of credit, personal loans, auto loans, and $100K+ in student loans.
• Almost every credit card is maxed or over the limit, with minimum payments stretching payoff into decades.
• Amy has opened new lines of credit after promising never to do it again (57:02).
• Beth is a bank teller with a maxed-out $5,000 credit card, making only minimum payments (43:55).

• "How does that make you feel when you hear your daughter, 21... has a maxed out card... She’ll be 42 years old." — Caleb (43:55)

• Amy:

  “If she wanted something, she got it. She never did without.” (41:02)

6. Parental Enabling: Past and Present (40:55–44:00, 56:07–59:19)

• Both parents enabled their adult children—including Beth’s boyfriend, who moved in as a minor and never left.
• Amy:

  “The whole enabler thing goes all the way down.” (41:07)

• Caleb identifies the entire legacy of enabling and calls it out as multi-generational.
• The son (Beth’s brother) also gets enabled by Amy’s brother, who lives on family land, pays no rent, and introduced Nick to gambling.

7. Attempts at Solutions and Denial (96:35–99:46)

• Despite the catastrophe, Caleb offers the family a budget template and concrete advice:

  • Get out of the gambling cycle, possibly with professional help/self-banning.
  • Rent a modest home while repaying debt.
  • Beth and her boyfriend need to budget, combine finances, and finally move out.

• Caleb, agitated:

  “You could have such a good life. You have no idea.” (76:52)

• The family's Hammer Financial Score:

  • Spending/Budget: 0/10
  • Debt: 1/10
  • Emergency Savings: 1/10
  • Living Situation, Retirement: 2–3/10
  • Overall: 1.5/10 (99:46)

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Notable Quotes & Memorable Moments

• Caleb, at his fiercest:

  “This is a family of losers. I’m sorry, right? You’re a loser. You’re a loser. I mean, you work, but you sit in the— You don't even interact with your family. Brother's a loser. Your grandpa's a loser. And you delegate like a loser.” (32:36)

• On accountability:

  “I don’t think anyone takes accountability in this household for anything.” — Caleb (55:11)

• On denial in addiction recovery:

  “The gambling has stopped.” — Amy
  “Since a couple days ago. How are you going to gaslight me with that s***?” — Caleb (69:55)

• On Beth’s future:

  “You’re never gonna leave. You’re never gonna have any independence. No. I mean, this is clear as day... You're actually gonna have a weird life.” — Caleb (40:17, 80:37)

• On finances:

  “$5,598 in gambling [in a single month].” — Caleb (62:05)

• On sheltering:

  “You’re watching videos on cleaning at 21?!... You are too sheltered.” — Caleb to Beth (81:01)

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Key Timestamps

• Family introductions, setup: 01:27–03:13
• Household chaos & boyfriend freeloading: 03:25–05:51
• Enablement/conflict admission: 06:46–07:01
• Drug addiction history: 12:54–13:39
• Trust, venting, boundary violations: 09:02–11:14
• Gambling exposed, recurring patterns: 27:33–62:00
• Credit card disasters, debt breakdown: 43:32–77:29
• Budgeting, net net calculations: 93:15–98:07
• Caleb’s closing take (score, advice): 99:46–100:45

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Episode Tone & Energy

The episode is packed with raw, unfiltered arguments—awkward, tense, and often darkly funny. Caleb’s style is blunt, sometimes abrasive, and frequently incredulous at the family’s dysfunction and inability to take ownership. The candor from all participants reveals denial, frustration, and glimmers of self-awareness amid chaos.

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Summary Takeaway

This episode exemplifies what happens when family systems enable financial and personal dysfunction across generations. Caleb offers tough love, clear-eyed financial advice, and calls every member to accountability. Without radical behavioral change—starting with real intervention for gambling and clear boundaries around money and independence—the family is poised to repeat their cycle indefinitely.

For listeners, it’s a dramatic, cautionary tale of what not to do with money, family roles, and generational boundaries.

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Transcript

[Caleb Hammer]

To watch episodes of Financial Audit a week earlier. Check us out on YouTube.

[Amy]

Our boyfriend has been living with us now for years and years. Paid a dime.

[Beth]

They're just kind of two faced in a way. And they can be a little rude at times.

[Amy]

Part of it too. I mean, I am tired of doing everything. I mean I literally do all of it. He'll go to the gas station and he'll sit there in the bathroom for hours.

[Caleb Hammer]

Is this not all extra sketchy with spending like an hour and a half in a McDonald's? Spending four hours at home in the bathroom, that would make me think drugs.

[Beth]

I don't even know how I started vaping. I started vaping when I was like 15, 16 something.

[Amy]

You guys,

[Caleb Hammer]

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[Beth]

Hi, I'm Beth. I'm 21.

[Amy]

I'm Amy. I'm 44.

[Nick]

And I'm Nick. I'm 45. And we're from Little Rock, Arkansas.

[Beth]

And this is financial audit.

[Caleb Hammer]

Okay, so I clarified before we started filming, they're not all. This isn't a throuple.

[Beth]

No.

[Caleb Hammer]

Which is what we had before. This is a daughter situation.

[Nick]

Right.

[Caleb Hammer]

Which has never happened in the history of financial audit. So I'm very curious to learn what's going on here. However, I sat down and I was immediately whispered right here that they're already arguing before I even stepped in here about her mom won't pay off Beth's debt. You guys were arguing before we even started, before I was even in here to see the argument.

[Beth]

It's not so much pay off my debt. It's just she, she thinks that she did a lot by telling me verbally what to do. Wish you would have. I did push back a little bit

[Amy]

more with the animals to be transparent. We saw the statement and I said, ooh, four, eight hundred dollars. That's not my statement.

[Caleb Hammer]

Seeing the statement.

[Amy]

Yes. Well, I knew it was a lot. I didn't know how much it was. And I tried to tell her from the very beginning when she got the credit card, pay it off, don't let it go through the roof.

[Caleb Hammer]

And uh huh.

[Amy]

Here we are.

[Caleb Hammer]

Usually a good perspective to have. Why do I have a daughter and parents on this show? Because I've never had this. What the is going on?

[Beth]

So they needed the help. So I drag them up here.

[Amy]

We not her.

[Beth]

They needed my help.

[Nick]

Sure.

[Amy]

Right, yeah.

[Caleb Hammer]

Is this true?

[Amy]

I mean we do, yes, but so does she.

[Caleb Hammer]

Well, why is she on the show? Because usually when parents need help, I have the parents on the show. Why are you on the show?

[Beth]

I don't think mine's really that bad. A large part.

[Caleb Hammer]

Why are you on the show?

[Nick]

Yeah, she just didn't want to do it by herself.

[Beth]

Yeah, I don't do anything by myself.

[Caleb Hammer]

Okay. I mean I have that. They kind of brought you on with them. They want you to move out. You're not moving out. You're not even in a place to move out. But they wanna get you the out of the house.

[Nick]

It's time.

[Caleb Hammer]

So him specifically.

[Amy]

I'm on financial audit, but she told me a month or so ago that she wasn't leaving the house, she wasn't going anywhere, and that we were gonna be stuck with her forever. That was not okay with us because her boyfriend has been living with us now for years and years and paid a dime.

[Caleb Hammer]

Well, have we talked to boyfriend?

[Amy]

Yes.

[Caleb Hammer]

What has boyfriend said?

[Beth]

He doesn't think that the money that he would give would go to what it needs to go to.

[Caleb Hammer]

He thinks that it would get better if it's rent. Is that.

[Beth]

Not really. But why the.

[Caleb Hammer]

Why is he allowed to stay there? Why have you allowed him to stay there?

[Amy]

His life upbringing wasn't that great and so we took him in.

[Caleb Hammer]

Okay, well that's okay. But are we taking them in or are we charging them rent? Which one is it?

[Amy]

Well, so originally we took him in and then we asked him to pay and it's not a lot. 100 bucks a month, that was it. Because we knew he didn't make a lot of money at the time. And so, you know, he paid that for a few months and then it just kind of trickled off.

[Nick]

And my thing is we took him in when he was a kid. So therefore we didn't charge him rent because he was young. But he's an adult now, so it's like, you know.

[Amy]

But he dictated when to stop paying us. And then I never went back and asked him to start paying again. It's been years now since I've gotten a dime from him, so.

[Caleb Hammer]

And you. So we've talked about it. You're the one that wants to mount a bit more.

[Nick]

Well, I mean, and he just like, it's time I moved out when I was 18, you know, been on my own, handled myself.

[Caleb Hammer]

Well, that's fine. Doesn't mean they necessarily need different time.

[Beth]

It was a very different time.

[Nick]

It was.

[Caleb Hammer]

What was different specifically?

[Beth]

It's just a lot more expensive now.

[Caleb Hammer]

In which case. Which aspect. It's incorrect about everything now. Buying a house is more expensive. Yeah, that's more expensive. The cost of housing, healthcare, education is what has gone up. The cost of everything else in terms of relation to percentage of income has gone down. As in you buying food from when he was a kid, you buying groceries is down.

[Beth]

And I've always been told not to rent. I've always been told to buy.

[Caleb Hammer]

And so what you're telling her she can't move on unless she buys, but

[Amy]

she's not renting either.

[Beth]

But also with the amount of dope.

[Caleb Hammer]

But also it is a dual income household. It's you and the boyfriend. It's not just you moving out. Right. So this is different than just kicking you out at 18 with nothing.

[Beth]

Yeah, yeah. With the dogs and the animals. It would be hard for us to find somewhere to go.

[Nick]

So they're at our house. You know what I mean?

[Beth]

Yeah.

[Caleb Hammer]

Well, how many animals?

[Beth]

I have six dogs and two ferrets.

[Caleb Hammer]

Okay.

[Nick]

And had raccoons for a little while

[Beth]

and I did have a raccoon.

[Nick]

And see, we have a six year old son too. That. That is at home.

[Caleb Hammer]

Okay. They clearly want you out. Cause this is insane. Get the out.

[Beth]

And that's the.

[Caleb Hammer]

It's not your house. I don't care if you say they're through 25. It's like the parents are down with that.

[Nick]

They're not.

[Caleb Hammer]

They want you to leave. I'm glad I'm getting lots of yes from you. But.

[Beth]

Well, it's very funny that they're saying that now because they've never said that to me before.

[Caleb Hammer]

Really?

[Amy]

Dad has spoken it to me multiple times. I am the one who is. I'm okay with her staying with us until she's financially ready to move out.

[Caleb Hammer]

What does that look like?

[Amy]

So I don't. But I don't know that that will happen until she gets well.

[Caleb Hammer]

Not with an enablement. I mean, we already bothered.

[Amy]

I am an enabler. I know I'm enabler.

[Caleb Hammer]

Hold on. I'm glad you are both agreeing with me. That makes me feel absolutely thrilled and warm inside. Then why the aren't you doing anything about it?

[Nick]

Because I'm weak, I guess, when it comes to.

[Beth]

Well, I thought.

[Caleb Hammer]

I mean, Beth specifically told Colton that nobody trusts each other in this family. And the boyfriend doesn't trust anybody in this family. So if there is a lack of trust, if there is a lack of communication, if there is a lack of holding anyone accountable or just endlessly, if there's nothing here, we can't even trust each other.

[Beth]

Well, I don't know.

[Amy]

Hang on now. I don't know where the trust issue came in.

[Caleb Hammer]

What's his trust thing? Beth?

[Amy]

Yeah.

[Beth]

The trust thing is with my dad. I don't have super bad trust issues with my mom. It's my dad that I have a lot of trust issues with.

[Caleb Hammer]

What?

[Beth]

Just because he's not around much and

[Caleb Hammer]

so why is that makes you not trust him? What is this not around?

[Nick]

I do work quite a bit.

[Amy]

He works quite a bit.

[Caleb Hammer]

Okay, that's working. Why is that trust?

[Amy]

Okay, I think I know where she's going with this. It's the show.

[Caleb Hammer]

She renting lots of motel.

[Beth]

No.

[Caleb Hammer]

Then what is this trust?

[Beth]

He's like best friends with my uncle and he's over there a lot. And so what you think him and

[Caleb Hammer]

his uncle are doing something weird? Then what is this trust thing? I'm confused how that equals trust. And if that rubs off on your boyfriend and your boyfriend's not paying rent and the so the boyfriend doesn't even respect the people of the. You know, that is keeping the roof over his head. He's not even paying anything. And the lack of trust because he hangs out with your uncle, which is his brother or brother in law anyway,

[Nick]

why does that matter what I do with the money?

[Caleb Hammer]

Is that what it is? Is it about what he does with the money?

[Beth]

I think so.

[Caleb Hammer]

What do you mean you think so? You're the one that said you don't trust him.

[Beth]

No, I don't have trust issues with them.

[Caleb Hammer]

No, you said you have trust issues with your dad. You literally just said that. You can't just pull that back.

[Amy]

Now I know where my trust issues come from with him. So I mean, I can speak to that. Because you know of the spending and spending habits. I mean, you know, who's to say, you know, you go to the gas station and who's to say you're not taking additional $20 out or, you know, for what? I don't. Well, there's just a lot of gas station charges throughout the day. Why?

[Caleb Hammer]

What are you kidding?

[Nick]

I do spend a lot on just sundry items. You know, food, drink, cigarettes.

[Caleb Hammer]

Oh, dude, dude, you're killing yourself.

[Nick]

I know.

[Caleb Hammer]

All right, buddy, listen, here, take this. Here we go. Have this energy drink. Grandma's ashes. Listen, they're very goony names, but GamerSteps is honestly absolutely delicious. Everyone that tries them absolutely loves them. So no more stopping and getting your bullshit. I can't make the six work for you. That's nasty. Anyway, but take that. It's 40 cents a serving with my discount code, which is 10% off. Get your free samples. Link in the description below at Gamer Subs. Just type in my code. But seriously, make your energy drinks at home. It's like making your coffee at home. And it's. It's delicious and it's the best way to save. So no more of this gas station because. Yeah, I would get it if she's. Are you like running the house?

[Amy]

I am, yeah.

[Caleb Hammer]

Okay. And then he's just taking money, taking money, taking money, taking money.

[Nick]

Right.

[Caleb Hammer]

And it's for who knows what the. Yeah, I would have trust issues there too. But why don't you bring up, right,

[Amy]

like what's going on? That's part of it too. I mean, I am tired of doing everything. I mean, I literally do all of it. There is little to no help at the home and he can't. I don't think you can argue with. There is no argument there because I literally clean the house, cook the food, take care of the. You know.

[Caleb Hammer]

Do you work?

[Amy]

I watch a full time job.

[Beth]

I will say when she does get

[Nick]

help, but I'm not the only guilty one not helping.

[Amy]

I am a little overpowering. I get that.

[Beth]

Say, is that even when she does get help, she usually backtracks and does it herself anyways because she likes it done a specific way.

[Caleb Hammer]

But if you take money from the account, is this your personal account or is this a shared account?

[Amy]

A shared account.

[Caleb Hammer]

Okay, so it's not taking money from

[Amy]

your account, but I am the breadwinner, so really I am.

[Nick]

Yeah, she makes good money. I mean, she makes good money.

[Caleb Hammer]

What do you do for a living?

[Nick]

I work for a transport company. Tow truck.

[Caleb Hammer]

Okay. What do you make?

[Nick]

It's 1099. So it fluctuates. Anywhere between seven to a thousand a week, roughly.

[Amy]

Anywhere between 40, 45,000 a year.

[Caleb Hammer]

That's her gross.

[Amy]

Well, so it's 10.99.

[Caleb Hammer]

Are you setting adequate money aside for taxes?

[Nick]

Any financial.

[Amy]

No.

[Caleb Hammer]

What?

[Beth]

No.

[Caleb Hammer]

What do you think?

[Amy]

Her head.

[Caleb Hammer]

Why do you even know?

[Beth]

Because me and my mom, we talk a lot about. She knows more finances.

[Caleb Hammer]

Are you.

[Amy]

I don't want her setting money aside. You know, that I'm kind of paying for taxes.

[Nick]

Oh, no, no, no, no.

[Caleb Hammer]

Are you venting to your daughter about your husband's finances, about her father's finances, to your daughter? It's a bit odd.

[Amy]

About the expenses, yes. How much he spends on a daily basis is outrageous. I mean, if your paycheck without. Hang on. If your paycheck without tax being taken out is seven to 1,000 a week, and you go to the gas station and you spend $200 a day. And I'm not exaggerating. It can be up to that much. Your PayCheck is not 700 to 1,000.

[Caleb Hammer]

This is. Yeah, this is a mess. And listen, I do have a note that Amy was talking about how she has threatened to leave multiple times. Did you even know this?

[Amy]

I did. To you?

[Caleb Hammer]

Yeah.

[Amy]

You know this.

[Nick]

No, I know this.

[Caleb Hammer]

He knows this. No. Did you know this?

[Amy]

She was a daughter.

[Caleb Hammer]

You were present. Why?

[Amy]

She was the one.

[Caleb Hammer]

Why would we have that? Come on.

[Nick]

Because she lives there. I mean, yeah, but.

[Caleb Hammer]

Go somewhere, you freaks. What the. Why do you want to do that in front of your daughter?

[Amy]

Intervention type.

[Caleb Hammer]

Tell me what happened. This is important.

[Amy]

He was making not so great choices.

[Caleb Hammer]

What were you doing, Nicholas?

[Nick]

Head issues.

[Caleb Hammer]

I was gonna say something. Who's gonna tell me what the Is going on in this small house of six people?

[Amy]

He had a drug problem about four, well, five, six years ago.

[Caleb Hammer]

That's when you threatened to leave? Nothing sooner?

[Amy]

No, that was when I threatened. It was either rehab or I was leaving.

[Caleb Hammer]

Oh, good.

[Amy]

And went to rehab. Good.

[Caleb Hammer]

I am happy to hear that. Yes.

[Amy]

That was. So she was there because it was kind of an intervention type thing.

[Beth]

And they pulled me.

[Amy]

She was old enough.

[Beth]

I automatically thought it was just a divorce. Cause I had no idea because I

[Nick]

was going away for 30 days.

[Caleb Hammer]

What the are you doing?

[Nick]

Which one was I?

[Amy]

Not.

[Caleb Hammer]

Huh? Really? All of them.

[Nick]

I mean, not all of them, but weed and all that was.

[Caleb Hammer]

Oh, yeah, and weed.

[Nick]

Yeah. Yeah.

[Caleb Hammer]

You've been clean ever since. Good lad. Happy to hear that. What a dysfunctional household, huh? How big is this house with six People and a thousand animals.

[Beth]

So we have six dogs, two ferrets, five. It's a three bedroom trailer with one room. But we don't even have that now because a tree fell on our house.

[Amy]

A tree fell on our. So we had so Sunday night straight line.

[Caleb Hammer]

Sunday.

[Beth]

Sunday.

[Caleb Hammer]

This Sunday.

[Amy]

This Sunday.

[Caleb Hammer]

Oh, for sake. Where do you guys live now?

[Amy]

We're couch hopping at the moment. Living with my. Basically staying with my parents at the

[Caleb Hammer]

moment and all the animals. Why do you want to live there? Why haven't you tried to get the out? Now I'm putting more blame on you. What the is wrong with you? Why are you staying there? I would want to escape immediately. Drive away. What are we talking about? We had an intervention five years ago. What were you like 17? Like what the are we doing? Your boyfriend. Don't you want intimate private space with your boyfriend? As in, you know, him sleeping, sticking it inside of her and.

[Beth]

Okay, I have no rent and that's

[Amy]

been walked in on a few times.

[Beth]

Okay, that's tmi.

[Caleb Hammer]

You walk in on them diddling.

[Amy]

I knocked on the door. I knocked on the door and it was. Yeah, girl.

[Caleb Hammer]

How is that not dramatic enough to get the out?

[Beth]

Because it's free rent and I've

[Amy]

got

[Caleb Hammer]

privacy and a thousand animals and a trailer that doesn't even exist anymore. We're interventions and no fight or trust happen.

[Beth]

I've put my rent is worthless. I put myself in a position.

[Caleb Hammer]

And what's that? What about you and your boyfriend though? What the does your boyfriend do? Maybe he should be the fourth one at this table.

[Amy]

He shouldn't.

[Caleb Hammer]

What is he a coward? Yes. I got a strong yes.

[Beth]

He couldn't get off work.

[Amy]

He's.

[Beth]

Yeah, he's.

[Amy]

I don't think he wants to be called out because he knows he's in the wrong by not paying rent and not.

[Nick]

Yeah, he's an adult.

[Beth]

I mean, I don't think he thinks that not paying rent is really that big.

[Nick]

He should.

[Caleb Hammer]

Well, I think you're in love. Well, yeah. So you probably can't see much bad from that side. Yeah, this is a mess. And then, okay, there's the other kid. Very young kid, 6, which that's also lines up with. I mean, you were like, you were up when this kid was born.

[Nick]

Yeah.

[Caleb Hammer]

Wow, you're vibing with that.

[Nick]

Well, she didn't know.

[Caleb Hammer]

It's okay. Now you're hiding that. Oh, you can hide that well.

[Amy]

Not well. Yeah, not well enough. No, he thought he was, but. He thought he was. But no, I knew was it been

[Nick]

a long time, huh? Did it for a long time.

[Caleb Hammer]

Really? How'd you find out?

[Amy]

I. I found it a couple times.

[Caleb Hammer]

Couple times over the years. And you guys did the intervention. I really.

[Amy]

Yes, but I found it a couple times.

[Nick]

It had to come.

[Amy]

It was. Well, and it was because he wasn't going to. And I knew that because I threatened. All I did was empty threats, which was enabling him. And I get that we're kind of

[Caleb Hammer]

doing that here with something that's not as bad, obviously, but I feel like we're kind of getting that here. You guys are pushing more so him to get her to move the out. But we're not really actually doing anything to achieve this.

[Amy]

Well, now she has no choice but to. Because we don't have a home.

[Beth]

Yeah, we don't have a home.

[Caleb Hammer]

Yeah, but you're living with your mother. It's just gonna be. It's another situation where it's like we could just do it comfortably.

[Beth]

Yes and no.

[Caleb Hammer]

Yes and no.

[Beth]

They're different people.

[Caleb Hammer]

What?

[Beth]

They're just kind of two faced in a way and they can be a little rude at times and it's not something that we want to.

[Amy]

I don't want to be. I think they can be challenging. But that's how parents are. I mean, it's.

[Nick]

Cause they don't want us living in their home for us.

[Beth]

Yeah. And no, I get that. Yeah.

[Amy]

We're invading their space. I mean, granted.

[Nick]

But see, that's how, given the situation, y' all should feel the same to us, you know, that y' all are invading our space.

[Beth]

Well, yeah, but y' all haven't made me feel that way. I'm sure if y' all did me,

[Nick]

that's probably the end, I guess.

[Amy]

Huh.

[Beth]

Well, you're never home to tell me that anyways.

[Caleb Hammer]

You're never home.

[Nick]

No, I work a lot.

[Amy]

He's not.

[Caleb Hammer]

He works hours to bring in. I'm sorry, what was your NAT again? On a monthly basis. No. Yeah. What comes in on a monthly basis before we set side money for taxes, which we don't.

[Nick]

What?

[Amy]

Anywhere. I mean, if you went with a thousand, which it's been a while since that's happened, and hit a thousand, that'd be 4,000.

[Nick]

But I'm probably putting probably anywhere between five hours a week, roughly. Yeah.

[Amy]

Okay.

[Caleb Hammer]

And crashing your tow truck, I'm being

[Nick]

told I've done it.

[Amy]

Yeah, yeah, yeah.

[Caleb Hammer]

Hang out with the uncle. There was no drug problems with the uncle, right?

[Nick]

No.

[Caleb Hammer]

Okay, good.

[Nick]

Yeah.

[Amy]

But that was what. Yeah, I think he had five accidents actually.

[Nick]

Well, in the dump truck.

[Amy]

Oh, the dump truck.

[Nick]

Yeah. Not so truck.

[Caleb Hammer]

So I'm confused. 4000 hits his account on a monthly basis.

[Amy]

Correct.

[Caleb Hammer]

Okay. What do you do, Amy?

[Amy]

I'm an office manager.

[Caleb Hammer]

Okay. What do you make?

[Amy]

I just currently got a raise, So I make 82,000 a year.

[Caleb Hammer]

Damn.

[Nick]

That's what I was in.

[Caleb Hammer]

Why are we in a trailer?

[Amy]

So there's a long story behind that.

[Caleb Hammer]

You don't need that. But Little Rock is not an expensive place.

[Nick]

No.

[Amy]

So we, we. We purchased the five acres right next to my parents.

[Caleb Hammer]

So we're already up in their space anyway.

[Nick]

Right.

[Amy]

And they were two.

[Beth]

We like it.

[Amy]

They were two.

[Beth]

They love us.

[Caleb Hammer]

I thought you said they're two.

[Beth]

They are, but they do love it.

[Amy]

They're two faced, but they love it.

[Beth]

It's my grandpa. My grandma is great.

[Caleb Hammer]

My grandpa's grandpa.

[Nick]

Doing.

[Beth]

Being a grandpa, it's just being a douche. The words that he uses and he.

[Caleb Hammer]

What was he saying?

[Beth]

Somebody off.

[Caleb Hammer]

What's he saying to you?

[Nick]

He likes to stir the pot.

[Beth]

This week, you know, we've been living with him. And the remote, he couldn't find the remote. So he texts in the family group chat asking and everybody says no. And then what did he say?

[Amy]

He said he's not the only one living there now.

[Nick]

He just likes.

[Amy]

He is 68, but he doesn't act

[Beth]

that way with me.

[Amy]

But he doesn't. And I don't think he really. I think she is just negative towards it and took that as.

[Beth]

Because he's always negative.

[Amy]

Yeah, Right. But I think you took that wrong. I don't think that he meant anything by it.

[Nick]

But he does like to stir the playlist.

[Amy]

He's not the only one living there. So.

[Caleb Hammer]

Yeah. What hits your account per month?

[Amy]

1148 a week is what I make.

[Caleb Hammer]

Okay. Okay. So gross or net? NET Cold times 52 divided by 12. Average it out. Cool. Just about $4,974. Very good.

[Amy]

And then I also. So on top of the 82,000, we just started. I'm one of two people that got put into a profit sharing at the company.

[Caleb Hammer]

Oh, you are?

[Amy]

So I am one of two.

[Beth]

Okay.

[Amy]

So they were doing some restructuring and for people that have been there, I've been there for almost 15 years. And so they were doing it as like an incentive or extra. But this is so new that I

[Caleb Hammer]

don't know, we won't use it for now then. Beth, what do you do?

[Beth]

I am a teller at the bank and I make about 2,500amonth net.

[Caleb Hammer]

Okay. Okay. What does the boyfriend do? You could move out on Little Rock with that. It would be tight, but you could.

[Beth]

Yes. And he sprays for bugs. Yeah, he's. Yeah, it happens.

[Caleb Hammer]

I got those people they call mosquito

[Beth]

technician, and he makes about. He just got his lowest paycheck today, and that was 700.

[Caleb Hammer]

Why? Cause it's hours.

[Beth]

No. So he makes commission or hours. So

[Caleb Hammer]

what's his average?

[Beth]

We're not combined, so I really don't know.

[Caleb Hammer]

Okay. What are we trying to do here? You've been with him for four years. What are we trying to do?

[Beth]

Six.

[Caleb Hammer]

Six years. I'm trying to get you the out of this house. Actually start your life. And he really wants this to happen. Like, I don't know. Your dad does not want you there. He wants you to come over. Yeah, he wants you to come over. But that does not live there forever.

[Beth]

Yeah, we've been talking, me and him.

[Caleb Hammer]

Cause we're glad you're talking.

[Beth]

We're trying to get a trailer. We went and applied.

[Caleb Hammer]

What is this trailer obsession? Why are you guys doing trailer stuff?

[Amy]

Hang on. So as far as we go, when we bought the five acres, there were two houses on the property. One was a trailer, one was a house, and then they had it. Well, it. It's an older home. It's huge. But in its five bedroom, two bath, two living upstairs. Okay. But somebody was already in there renting it, so we already had a renter there. No.

[Caleb Hammer]

Why aren't you guys there?

[Nick]

There's so much work need to be done.

[Caleb Hammer]

Because you can't live there temporarily.

[Amy]

Well, the renter destroyed it.

[Caleb Hammer]

Why are you trying to get a trailer? Is it on the same property?

[Beth]

It. It would be.

[Caleb Hammer]

So you're literally. You're not really moving out, you're just becoming a next door neighbor, essentially. Wait, what do you not.

[Nick]

I can deal with that. I can live with the next door neighbor.

[Caleb Hammer]

Do you not want any independence or, like. I'm so confused. Do you want to, like, go live your life at all?

[Beth]

Not really. I mean, because if not, it's good

[Caleb Hammer]

to get some life experience and world experience.

[Beth]

Yeah.

[Caleb Hammer]

You can go home even if you live on the other side of the city. I'm not saying move to California, but,

[Beth]

like, I just like being close. You can always live close.

[Caleb Hammer]

Little Rock's not that big.

[Nick]

But why would you leave if you got your rent paid for and all this, you know, I mean, food.

[Caleb Hammer]

Well, I agree. I'm trying to get her to. So she gets some Life experience and learn some discipline.

[Beth]

Yeah, I mean, we are. We went and applied for trailer loans already.

[Caleb Hammer]

You and the boyfriend, you don't even know what he makes. You can't even tell me.

[Beth]

No, but that is true. I don't know what he makes. Yeah, but he. I know he makes significant more than me, so.

[Caleb Hammer]

He's outselling right now.

[Beth]

I'm sorry.

[Caleb Hammer]

He's out selling right now, working. Then we're calling him in the post show.

[Beth]

Okay.

[Caleb Hammer]

He's a big part of this conversation. He should be here.

[Beth]

Yeah.

[Caleb Hammer]

He's not even respecting your parents at all.

[Amy]

Now he's bought a few things and

[Beth]

he helps for the house.

[Amy]

As far as, like, you guys like

[Beth]

him living there, he's gonna say no, but they're best friends.

[Amy]

Oh, no, we're not best friends.

[Nick]

I'll tell you, he's grown a child, too. A man, at least. An older child.

[Amy]

Well, he's gotten better over the years,

[Nick]

so I can deal with him. And we do. We started out as a. Because we felt he needed a better home. But that was when he was a

[Caleb Hammer]

kid, you know, Why'd you pull the like. Come on. You pulled the step. The stepsister video on. You totally did. You're like, oh, no, stepbrother. I'm not wearing panties right now. You're your stepbrother. No, they brought him in as a.

[Beth]

Well, we didn't even know.

[Nick]

He wasn't his brother for a while.

[Beth]

Okay. But that's because he was really fit.

[Caleb Hammer]

Yeah, 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.

[Amy]

Right.

[Caleb Hammer]

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. Why I like Dollar Wise. Built by these people just like you, for people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download it now, start the free trial Dollarwise.com link in the description below. Starbucks is bull and a waste of money. And you already know that by making your coffee at home and Investing the rest. So now you need to do that with your energy drink as well. Make Gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show. Fat and Fatter. The number one ranked energy drink is gamer.

[Nick]

Literally. The cherry flavor is insane.

[Caleb Hammer]

Listen, you can also get free samples to see if you like it or 10% off your order at GamersUps GG or click that link in the description below. Type in code Caleb.

[Beth]

But that's because he's itty bitty. And he's been around since he was itty bitty. But that's because how itty bitty like he was. Like what?

[Amy]

Well, that if it's six years, he would have been one.

[Nick]

Yeah. My son. Yeah.

[Caleb Hammer]

Wait, wait, whoa, whoa. Who are we talking about?

[Amy]

Our son.

[Beth]

Yeah, our.

[Nick]

So our son.

[Beth]

My brother. Brother. When we started dating. Oh, yes. No, no, no, no.

[Caleb Hammer]

So how long has this other person been there?

[Beth]

He has been there for basically the whole six years that we've been together. We were together for four months.

[Caleb Hammer]

So you did. You did pull this like, stepbrother thing.

[Beth]

We were friends before he.

[Caleb Hammer]

Friends. Friends.

[Beth]

Yeah.

[Caleb Hammer]

Then he moves in and you start sleeping with the guy that moved in.

[Beth]

We were dating for four months.

[Caleb Hammer]

We said friends.

[Beth]

Well, yeah, we were friends and then we started dating for four months and

[Nick]

then he moved in and he's been with us since.

[Caleb Hammer]

And you wanted to move in the guy she was dating at like 15, 16.

[Nick]

Want to. And it. We didn't know.

[Beth]

It kind of just happened. He stayed the night one night and then he went home and then he stayed the night again and just never

[Nick]

left the kids home. Life was horrible.

[Caleb Hammer]

I mean, okay, which I get that, but also just dating your daughter too, it wasn't like.

[Nick]

Yeah, it's like you're an adult. Move out.

[Caleb Hammer]

You know, I agree with that. You know, you can't even tell me how much money he's making, yet you're trying to get on a loan with him right now for a trailer.

[Beth]

I know he makes money. I just don't know what you just told me.

[Caleb Hammer]

His Last paycheck was 700 and that's

[Beth]

the lowest because it's.

[Caleb Hammer]

When it rains is the average eight. Like, I don't know. And you can't give me a number. I mean, I know there's lots of. There's lots of drama and whatnot in this house. And this house is chaotic. And you guys just got in a big fight over. Over you took money from the joint account and you gave it to your brother or her brother. You gave it to her brother.

[Amy]

He does it with friends, too. It's not just my brother.

[Caleb Hammer]

So she's trying to manage the household finances, and you just take money out of that and just give it to people?

[Beth]

Not only does he take money and give it to other people, but he also takes money and uses it for gambling, which I'm not saying that she doesn't either.

[Caleb Hammer]

Transfer.

[Nick]

Yep.

[Caleb Hammer]

What the Are you doing gambling? Why? What are you doing? What is this gambling? What does it look like?

[Nick]

It's online. The online gambling slot machine.

[Caleb Hammer]

Online?

[Nick]

Yeah.

[Caleb Hammer]

How much are you spending on this?

[Nick]

Way too much.

[Caleb Hammer]

How much?

[Nick]

Honestly, I don't know. I don't know anything about our finances, really. That's. That's the bad thing.

[Caleb Hammer]

Wait, you like it, too?

[Amy]

I do, yeah.

[Caleb Hammer]

Well, now we know why we're still

[Amy]

in a trail just as bad or.

[Caleb Hammer]

Well, I. I'm being told thousands a week. Now I understand why we're making no progress in life.

[Amy]

Correct.

[Nick]

Nice.

[Caleb Hammer]

Okay. I mean, this must be devastating to see your parents do that. I would mind.

[Amy]

Well, I.

[Beth]

It's.

[Amy]

Yes, it's thousands a week, but. But some of that. I mean, there are winnings to it. I mean, I want 60,000.

[Caleb Hammer]

Not even close to Nat, though.

[Beth]

Well, she did.

[Caleb Hammer]

Yeah, but if they're doing thousands a week, Nat would still be negative.

[Amy]

Yes, and I agree. It's. It's definitely.

[Caleb Hammer]

Especially on slots. It's one of the literal, most addictive things.

[Beth]

It's probably the only reason I even know about the financial situation, because she won the 60 grand. If she wouldn't have won that, like, I built a budget for them, and

[Amy]

that was over a year. Yeah, that was a year ago, but.

[Nick]

Oh, you got to double that, because I'm doing the same, and he's not.

[Amy]

160. No, I didn't win, but he. I think, mine right now next to each other.

[Caleb Hammer]

Just.

[Beth]

Any downtime. Any down time, he'll be in the bathroom playing it.

[Caleb Hammer]

What the.

[Amy]

Well, yeah, he has more downtime than me, so.

[Caleb Hammer]

How. I thought you just said you work, like, 80 hours a week.

[Amy]

Right?

[Caleb Hammer]

What? Where's the downtime?

[Amy]

Well, he. Okay, well, when he works, he'll go to the gas station, and he will sit at either McDonald's or the gas station. Not sometimes. It's all the time. And he'll sit there in the bathroom for hours. You will watch Life360, and he will be at the same location for an hour and A half gambling, watching YouTube. I don't know what he's doing in there. He'll do the same thing when he gets home. He'll sit in the bathroom for four hours. When the train came through the house, he was on the clock.

[Caleb Hammer]

That would make me think drugs.

[Amy]

No, No, I think it's the gambling. That's how you trade one addiction for the other. Right.

[Caleb Hammer]

So this is why Beth thinks you don't want to be around them.

[Nick]

No.

[Amy]

Correct. I do, too. I mean, we feel that way. That's. How.

[Caleb Hammer]

Do you not want to be around them?

[Nick]

No, I think he does.

[Amy]

I don't.

[Caleb Hammer]

If you're sitting in the bathroom gambling.

[Amy]

In life, like, he has little.

[Nick]

You know, I do have little responsibility.

[Amy]

Little responsibility. The only thing he has to do is get my son on the bus in the. And I lay everything out. I have lunch ready to go. I have his backpack. To get responsible, his clothes are laid out. You literally have to get him dressed and on the bus. That's it.

[Nick]

Okay.

[Amy]

That's it. That's little to no responsibility. You don't cook, you don't clean, you don't take care of the bills. You don't take care of anything. I understand that. I cook, but it'd be nice to have a break every now and again.

[Beth]

The last night he did something, she came behind him.

[Nick]

Yeah.

[Amy]

Okay.

[Nick]

When I try, I've tried to take responsibility, quote, unquote from her, so she could have a lesser amount of responsibility. And she doesn't want to give it up.

[Beth]

She is.

[Nick]

Or she gives it up, and then she comes right behind me, and I didn't do it right, so.

[Amy]

Well, he didn't know that, so thanks.

[Beth]

But it was funny. I had to throw it in there.

[Caleb Hammer]

You have sex with your stepbrother,

[Nick]

but, yes, she's very. Not controlling, but she does. Like, I know my position.

[Caleb Hammer]

Yeah, but every time there was an onboarding call, you were too busy to join any of them.

[Amy]

That's right.

[Beth]

He thought he had nothing important to say.

[Caleb Hammer]

How? That's for us to determine.

[Amy]

Yeah.

[Nick]

Like, as far as financial stuff, I have no clue. Like. Like, I don't know. It's a problem until she calls me and says, hey, don't spend any money on this account or don't spend any money.

[Caleb Hammer]

Why don't you just tell him he's not allowed to go gift other money to people? So what is this? I want to get back to that. What is that? What is happening?

[Amy]

So. Well, my brother also has a gambling addiction.

[Beth]

He's the one that showed he in

[Caleb Hammer]

a trailer on the property.

[Amy]

No, he's in.

[Nick]

No, he might as well have.

[Amy]

Yeah, he's in a.

[Beth]

He's the one that showed family home.

[Amy]

So he pays little to no rent, but he also got, like, a truck repossessed.

[Nick]

Her parents. Her family owns a lot of land.

[Amy]

So he's the one who got my husband initially onto the gambling, apparently.

[Caleb Hammer]

What is the app?

[Nick]

I don't know if you need to. I don't know.

[Caleb Hammer]

Thumbs up in the back.

[Amy]

And it started probably about three, three and a half years ago when that happened. Well, where I'm going with it as far as going back to my brother and the money lending. He spends all his money on gambling

[Caleb Hammer]

or whatever while living at home, basically with the parents on their property.

[Nick]

Well, he pays eight.

[Beth]

He pays for nothing.

[Amy]

Yeah, he lives on.

[Caleb Hammer]

This is a family of losers. I'm sorry, right? You're a loser. You're a loser. I mean, you work, but you sit in the. You don't even interact with your family. Brother's a loser, your grandpa's a loser. And you delegate like a loser. You don't delegate, and then you complain about not delegating.

[Amy]

And I know I'm in a name.

[Caleb Hammer]

No, you don't delegate, and then you complain about how no one does anything after. You don't delegate because you complain about delegating.

[Amy]

I delegate because.

[Caleb Hammer]

Is that done right?

[Amy]

No, because if I delegate, I've delegated for him to take the trash out and he won't do it. It'll sit for a day.

[Caleb Hammer]

Why don't you take out the trash?

[Amy]

Because it's whenever. When I say I want something and I delegate, I want it done right then not.

[Caleb Hammer]

Well, that's not how everything works. I mean, if you say, hey, can you take out the trash?

[Amy]

Then I can do it myself.

[Caleb Hammer]

Okay, well, then that's fair, because you don't get to just demand something's done in the second.

[Nick]

Thank you.

[Caleb Hammer]

Yeah, like, I agree, don't take a whole day. But, hey, can you take out the trash this afternoon or this afternoon?

[Amy]

No. No. So I asked him to do the floors for me. It took him three days. It doesn't matter. It took him three days. We were sitting there walking on dog hair for three days.

[Nick]

And then I came home from work and did it.

[Amy]

And then I came behind you and redid it.

[Beth]

Yeah, redid it. I was laughing. She was just.

[Caleb Hammer]

Okay. So how much is he given to the brother?

[Nick]

Not a lot.

[Caleb Hammer]

It was a big fight that came

[Nick]

from this inconvenient time. A couple weeks ahead of time.

[Caleb Hammer]

Tell me what happened.

[Nick]

Yeah, tell me what happened.

[Amy]

So I. That there was money given to my brother through our account. Cause he will cash app it to him.

[Nick]

I've been told not to do it and I have. Well, how am I supposed to say no to the brother in law, you know, Cause we're not in time.

[Amy]

I practically, without being a dick, beg him.

[Caleb Hammer]

You can't.

[Amy]

I beg him to not give my brother and his friend money. And he does it anyway. So what is the point of me?

[Nick]

He does pay it back, but he

[Amy]

pays three weeks later.

[Beth]

And by that time we need it way soon.

[Amy]

Which is why I've.

[Nick]

And. And the problem is I don't know our finances. So I don't know what position.

[Amy]

But if I ask you not to do it, repeatedly have asked you not to do it, repeatedly begged you not to do it, and the very next day you're doing it. So why. That's just a battle I'm never going to win.

[Nick]

What's a. I just can't be a dick.

[Caleb Hammer]

I know you're not walking out the door, but gut pretend 100% is you're walking out tomorrow. 0% is you would never even consider walking out. Give me where you're at.

[Amy]

100%. I'm not walking out.

[Caleb Hammer]

So zero percent.

[Amy]

Zero percent.

[Caleb Hammer]

Really? So you would be willing to put up with any of this forever? For the rest of your life? Not a single. Not even 1%?

[Amy]

Yeah, 0%.

[Nick]

Well, I wouldn't do it to her.

[Caleb Hammer]

What do you mean? You are. What do you mean? Huh? No, I'm saying everything that's going now, I'm not going back to what was happening in the past.

[Amy]

I mean, I love him. He's the. The father of my children.

[Caleb Hammer]

Yeah, but you also just had to open up another bank account so we couldn't have access to it. That's not screaming trust. That's not screaming bond for life. That's crazy. Your daughter knows more about the household finances than he does.

[Amy]

That is true, but he's not there. And I have tried.

[Caleb Hammer]

And yet you're not even considering 100%.

[Amy]

I have TR. Tried to go over finances with him. A few.

[Caleb Hammer]

And yet you're at zero percent.

[Nick]

Better be a zero percent.

[Caleb Hammer]

Really?

[Nick]

Well, I don't want my life. Yeah, I agree.

[Caleb Hammer]

I'm not saying she'd be at 100, but there's a lot in between there. Zero percent.

[Nick]

That's crazy.

[Caleb Hammer]

With someone who's never there.

[Amy]

Well, when the. When the drugs were in Place. Yes, I was there.

[Nick]

She was in.

[Amy]

I was at.

[Caleb Hammer]

I understand that. But he's never there. You have a young kid.

[Nick]

Young kid. Yeah. It is a young kid.

[Caleb Hammer]

I would want you to be there.

[Nick]

And I try. I try and get there anytime I'm not working.

[Caleb Hammer]

To get there.

[Nick]

Yeah. When I'm not working.

[Amy]

The other day, perfect example. The other day, he was gonna be going 45 minutes away and back, and my son and I were sitting there and I was like, hey, it's Friday night. You know when dad goes back to the shop when he's got a go make the run. We'll just go with them. Cause it was like 7 o' clock Friday night. We could spend some time together. Since they don't spend a lot of time together, we as a family don't. And I was like, well, when your dad calls me, because he was supposed to, we'll go ride with them. That phone call never came.

[Caleb Hammer]

Why?

[Amy]

And then I called him and he was already at the location. So it was, to me, it was an ample opportunity for us to spend time together when we haven't been able to. And yeah, that kind of hurt.

[Nick]

I thought I could get done in enough time to be home and spend some time. And it didn't work out that. So I should have gone.

[Amy]

There's little. Well, he doesn't. He doesn't answer his phone.

[Nick]

I'm bad about not.

[Amy]

He doesn't. His phone will die very. We won't know where he's at.

[Caleb Hammer]

Is this not all extra, extra sketchy with spending like an hour and a half in a McDonald's, spending four hours at home in the bathroom and phone dying all the time we get. That's a sweet. So sketchy.

[Beth]

I think that he traded one addiction for the other.

[Nick]

Probably I do spend a lot of time on my phone.

[Caleb Hammer]

Probably.

[Amy]

Well, he watches YouTube. YouTube videos.

[Beth]

Oh my gosh. Oh, my goodness. He plays it at full volume and he'll sit there and laugh.

[Caleb Hammer]

Oh, you're like an immigrant.

[Beth]

So loud.

[Nick]

I am immature when it comes to.

[Amy]

Oh, very much so, yeah.

[Nick]

When it comes to the videos.

[Amy]

Yeah. I just wish some of that of time of videos and gambling were put towards us as opposed to that.

[Caleb Hammer]

Yes. Then why aren't you. She has expressed this, I assume.

[Amy]

I have.

[Nick]

Well, and there's. There's. I have a shop too, on the property, like, and I spent a lot of time in the shop doing things.

[Caleb Hammer]

How about you just try to spend a little bit with the family? I'm not saying every ounce of every day Every second, but also every time they bring up any issues. If she complains, if he complains or everything, you're. You immediately just get defensive and say that they're calling you a bad mom as well. So it's not just all on him. You're immediately defensive. You shut people down and you go at it, I'm being told from the pre interview phone calls. So you bring up complaints and she just shuts you down with, you're calling me a bad mom.

[Beth]

It's not. She does hear me out, but she tries to spin it as if I'm calling out her person, her character. We're in a situ. We were in a trailer that had, you know, not the best living situation. And due to that, she thought that I was calling her a bad mom. I'm not.

[Amy]

Well, because she would.

[Beth]

Because there's.

[Amy]

It's the way it made me feel. It was the comments that were made about the home and it's like, well, if I could change that situation, I would. And I get it. I know the gambling, we maybe, maybe we weren't gonna be in the situation or could be out of the situation. But it was the words that. That made me feel like I'm a bad mom.

[Caleb Hammer]

I'm just so confused why we even need to live there. The median home sales price in Little Rock as of February of this year. So last month, $247,000. You guys income is incredible. You could totally qualify for something reasonable. The median sales price.

[Nick]

Our plan was buying property and building our forever home.

[Caleb Hammer]

Why do we have to do that? Why do we have to do that when we're already in. Well, okay.

[Amy]

Well, we own the property now, so.

[Caleb Hammer]

Okay. And it's five acres, right?

[Nick]

Yeah, five acres.

[Caleb Hammer]

And we love this property.

[Nick]

It's right next door to her parents, so.

[Beth]

So I inherit. Once my grandparents pass away, I inherit that five acres that my grandparents owned.

[Caleb Hammer]

Well, you're creaming for that, I guess. I don't know.

[Beth]

Like what I was just saying they'll be on the property right next to. So it would be nice to have our family just right there together.

[Caleb Hammer]

It's not, you know, you can be down the street. I grew up like a five minute drive from my grandparents and it still felt like we were close. It's fine.

[Beth]

I know.

[Caleb Hammer]

Okay. Like you're allowed to. Okay. You're never gonna leave. You're never gonna have any independence. No. I mean, this is clear as day. She's really not going to. But I don't think, I really don't

[Beth]

think so life is so short.

[Nick]

You see that?

[Caleb Hammer]

Well, there it is.

[Nick]

I see that.

[Amy]

I'm okay with her being close to me.

[Caleb Hammer]

Close is different. She's never gonna learn any skills.

[Beth]

No, I definitely don't. I told her, I said, cause my little brother, I know nothing about money. Once I was able to, you know, go out on my own and deal with money, I had no idea what I was doing. And so I was trying to tell her, hey, my little brother's young. Try and teach him all you can.

[Caleb Hammer]

Which one? Little stepbrother or little brother?

[Beth]

Little brother.

[Caleb Hammer]

Okay.

[Amy]

Which is true. If she wanted something, she got it.

[Beth]

I was definitely.

[Amy]

She never did without. So she wanted it. She got it.

[Nick]

So the whole enabler thing goes all the way down.

[Caleb Hammer]

Okay, I gotta get into these numbers because we're gonna be here for a thousand years. What do we think this household financial situation score? Actually, what do you think your financial score is? 0 to 10. 0 being the absolute breast, 0 being the absolute worst, 10 being the absolute best.

[Beth]

Just you like a 2.

[Caleb Hammer]

And what do you guys think your household is?

[Nick]

6, 7, maybe?

[Caleb Hammer]

Let's kill him. Let's kill this guy. Let's beat him to death with hammers. Okay. Okay.

[Beth]

But I also do have to mention three. Because of the ignorance with financials. I also did accidentally open up a credit card at the beginning of the night.

[Nick]

Accidentally.

[Beth]

I did. I was trying.

[Caleb Hammer]

Accidentally. What the are you talking about?

[Beth]

So I, I was looking at pre qualified cards and I was trying to see what the limit they would give me.

[Nick]

And so at least you got one.

[Beth]

So then I clicked on.

[Caleb Hammer]

You applied to get the limit, of course. Oh my goodness.

[Amy]

Are you talking about the most recent?

[Caleb Hammer]

Not a child?

[Amy]

Yeah, she did that because somebody told her. Now listen, somebody told her, not me. Somebody told her that if she were to open another credit card in, it

[Beth]

would balance out my credit balance a little bit better.

[Amy]

It would up her credit score by giving more credit. So that's why she did it.

[Beth]

I was looking. I wasn't actually going to do it just now. I was just trying to look.

[Amy]

She did. She accidentally did.

[Caleb Hammer]

You want your hammer financial score? Get it for [e-mail]. it's. It's free. And it only takes a few minutes to see where you stand in the world of money. Where you're doing poorly and where you're doing great. And if you don't want to be like the guests that end up on the show, if you want to actually fix your money, like tens of thousands of monthly active users are you got to download the Dollar Wise budgeting app. You can go to the website Dollar Wise.com or download link in the description below. Most people take the free trial. They love it. They sign up for the annual version because it saves 50%. And when you do, you get my 30 day detailed meal plan so that you can no longer complain. But I'm not being able to afford doing meal plans and making meal plans and having snacks and drinks because we make all your snacks and drinks and multiple meals at all your meals for the day right here. And I'll sign it like I did this one and I'll mail it directly to you. So you guys have this. So teach the. Especially you. You'll have a detailed meal plan in there. Okay.

[Beth]

I can't cook. I mean, no, I can.

[Caleb Hammer]

There you go. I mean, it's as easy as ever, man. It really is. Really is. You can keep that on the table if you want.

[Beth]

Okay. Your signature looks like the Chick Fil A logo.

[Caleb Hammer]

I have heard that.

[Amy]

Oh, it does.

[Beth]

Yeah.

[Caleb Hammer]

Oh, I'm gonna need to know who. Oh my. Me? Are you kidding me?

[Beth]

And I do know that first one is mine because.

[Caleb Hammer]

Well, that's what I was gonna ask. Okay, so this is Beth's capital one Quicksilver. What is going on here? Oh my. We're spending so much money. Spending way more money than you're putting towards it.

[Beth]

And I'm also putting a ton towards maxed out.

[Caleb Hammer]

Yeah, but it doesn't matter when you replenish it, you're just offsetting it. You didn't actually make any progress. You didn't make any progress. $4,863.39. How does that make you feel when you hear that your daughter, 21 year old, not even moving out, has every blessing in the world with no actual overhead cost in her life, has a maxed out 5,000 hour credit card with 167 hours a month as a minimum monthly payment. She only does minimums and doesn't purchase, which is incapable of both. It takes 21 years for her to pay this off. She'll be 42 years old. 42 years old. And then maybe she'll finally get her ass out of the house.

[Amy]

This is what I tried to prevent from happening. I.

[Caleb Hammer]

And how did you do that?

[Amy]

When she got her first credit card with this one, I told her, I said, this is how it works.

[Caleb Hammer]

That was it. That's all you did is said credit card.

[Beth]

This is how.

[Amy]

This is how it works.

[Caleb Hammer]

Well, her lender can't teach her how to budget.

[Amy]

Well, her limit's gone up. Okay.

[Caleb Hammer]

Well, if you actually taught her how it worked and taught her how to budget and taught her how to make the payments, pay off the balance every single month, it wouldn't matter if the

[Amy]

balance went up or above the limit, the credit limit. Right. I did tell her. I said, if you put something on it, pay it off, it's going to help build your credit. So the whole point in her getting it was so that she could use it and put gas on it a couple times through the month, pay it off, you know, before the due date.

[Beth]

That did not happen.

[Amy]

I did tell her that. That that's what she needs to do because clearly I'm in a situation where I can advise her on what not to do.

[Caleb Hammer]

Okay, you tell me.

[Amy]

She didn't listen.

[Beth]

I don't. I think I did really good with it at first, of course, as everybody does. And then there was a raccoon that fell out of the tree behind the house. And we kind of took it in and kept it for a couple months. And then my dog was pregnant, so she was expensive.

[Caleb Hammer]

Why was your dog pregnant? Why was your dog not fixed, you freak?

[Beth]

Well, I was trying to.

[Caleb Hammer]

Wait, that's the first thing you're supposed to do.

[Beth]

Well, she's a purebred Rottweiler and I was trying to wait until her growth plates were done growing and then get her fixed. But my boyfriend's dog is also not fixed.

[Caleb Hammer]

Well, fix that one. Obviously the balls are easy now.

[Beth]

He's too old now.

[Caleb Hammer]

He was too old then.

[Beth]

Yes.

[Caleb Hammer]

How old?

[Beth]

Seven, eight?

[Caleb Hammer]

Okay. I don't know.

[Beth]

So she got pregnant and the puppies were expensive. I probably spent about 3,000 just on the puppies.

[Caleb Hammer]

Where'd they go?

[Beth]

They all. Well, we kept one, but the other ones, they went to their homes.

[Caleb Hammer]

You guys happy in this house?

[Beth]

No.

[Caleb Hammer]

This is insane.

[Nick]

It's crazy. Yeah, it's crazy.

[Caleb Hammer]

I would lock myself in the bathroom.

[Nick]

Yeah. Thank you.

[Caleb Hammer]

And go to the workshop. I mean, this place is. This place sounds insane.

[Beth]

It definitely is. I won't disagree with it, but.

[Caleb Hammer]

Well, you're the one doing it.

[Beth]

Yeah.

[Caleb Hammer]

And they couldn't even get you out.

[Nick]

You know what I mean? I said, then throw a six year old on top of that.

[Beth]

Yeah, but the puppies were a lot. And then I got two ferrets, which I definitely shouldn't have done.

[Nick]

No.

[Beth]

Yeah, they were $300, $400 each.

[Caleb Hammer]

You have $120 of interest accruing on this in a monthly basis. And it's all bullshit. It's all bullshit. Walmart, Walmart. Amazon, Amazon, Amazon, Amazon Academy Sports. Pekko. I mean, that's okay, but it's insanely expensive. And to put it on a credit card that accrues interest that we can't pay off is $.

[Beth]

How much is that?

[Caleb Hammer]

1 244.

[Beth]

Okay, I think that was.

[Amy]

Yeah, that's how much she spends.

[Beth]

That was a cage. That was a cage.

[Caleb Hammer]

But even still, you gotta get food. And on top of it, I know that. Apple Bell. Amazon, Amazon, Apple, Netflix, Sonic, Sonic, mastermind, escape. $61. Amazon. This is all bullshit. Going in. Getting some smoke palace.

[Beth]

Yeah, I do have a vaping addiction.

[Amy]

Why?

[Caleb Hammer]

Why do you want everything to be the worst in life that you can possibly do? Like, why? Why do you just want everything to be the actual worst? I really don't understand.

[Beth]

I don't even know how I started vaping. I started vaping when I was like 15, 16 something.

[Caleb Hammer]

Where were you guys? Where the were you guys?

[Beth]

They were very lenient with me. I had.

[Caleb Hammer]

With vaping.

[Beth]

Well, no, just letting me go out and do what I wanted to do.

[Caleb Hammer]

All right. Every business owner I talk to right now is obsessed with AI. And I get it. Everyone's like, well, you should just try using AI. But nobody wants to be the one guessing and lighting money on fire. Which is exactly why I like today's sponsor, NetSuite by Oracle. Here's the reality. Your competitors are already making moves. Sitting on the sidelines is not a strategy. But NetSuite lets you actually use AI without the chaos. NetSuite is the number one AI cloud ERP trusted by over 43,000 businesses. It brings your financials, inventory, HR, CRM all into one clean system. That means your AI isn't guessing. It actually, actually knows your business. It automates the boring stuff, gives you real insights and helps you make fast decisions that save money. And with the NetSuite AI connector, you can plug in your AI of choice and ask real questions about your data, customers, cash, inventory, all of it. And even automate the annoying manual work. If I were running a seven figure business, this is what I'd use. If your revenues are at least in the seven figures, get our free business guide demystifying AI at netsuite.com hammer the guide is free to you at netsuite.com hammer Again, that's netsuite.com hammer now back to the show. Raise your hand if you've been putting off a dentist appointment, a yearly checkup, or honestly, any doctor visit. Yeah, Same here. When something feels off, I usually doom scroll my symptoms, convince myself I have something rare, take three vitamins and then just hope it magically fixes itself. But that's exactly why I like today's sponsor, zocdoc. Zocdoc is a free app and website that helps you find and book high quality in network doctors so you can find someone you love. We are talking about booking in network appointments with more than 150,000 providers across all 50 states. If you're looking for dermatology, dentistry, primary care, eye care or one of the 200 plus specialties offered on Zocdoc, you can easily search by specialty or sent them to build the care team that is right for you. Want to see your doctor in person? Great. Prefer a video visit? You can do that too. You can also read thousands of verified patient reviews, see real time availability and book instantly. No phone tags, no waiting around. Most appointments happen within 24 to 72 hours and sometimes even the same day. I use this and you should too. So stop putting off those doctor's appointments and go to Zocdoc.com Caleb to find it and instantly book a doctor you love today. That is z o c d o c.com Caleb Zocdoc.com Caleb thanks again to Zocdoc for sponsoring this message. Let's get back to the video. Well, I mean, I don't advocate for helicopter parenting. I think most don't these days, but even though some people do it, but I think we still make sure they don't vape.

[Amy]

Well, she was also. I think she used it as kind of an escape goat a little bit because she was going through therapy and stuff. And so, you know, maybe it was, maybe it was, you know, her way to chill and relax and, you know, instead of, you know.

[Beth]

I don't do anything else though.

[Amy]

Yeah, I was gonna say vaping's horrible instead of smoking weed.

[Caleb Hammer]

It's expensive though.

[Beth]

I can't smoke weed.

[Amy]

And then on top of that she'll ask me for like gas money and stuff because she's maxed out and she

[Caleb Hammer]

needs money on vapes.

[Amy]

So.

[Caleb Hammer]

Seven brew coffee. Arby seven brew coffee. Microsoft Realms plus Realms. Oh, that's Minecraft.

[Beth]

It is Minecraft.

[Caleb Hammer]

I, I think I can vaping in Minecraft. And no. Oh no.

[Amy]

Oh, she's a game.

[Caleb Hammer]

Sonic. Amazon. Amazon. Amazon, Amazon, Amazon. Andy's Ice Cream.

[Amy]

It.

[Caleb Hammer]

Amazon. Amazon. Amazon. Smoke Palace. Amazon. Yeah. Premium. No, no, prime time. I don't even know what that is,

[Amy]

but she's got an energy Drink Chick Fil A addiction.

[Caleb Hammer]

You do.

[Amy]

Too bad, Red Bull.

[Caleb Hammer]

I'm serious. Wrong with you guys. Okay, this one's Chug Juice. Make it at home. It tastes better than your energy drink bullshit anyway. Because every guest has confirmed that once they've tried it.

[Beth]

I was drinking two Energy.

[Amy]

Well, Monster is where she started.

[Caleb Hammer]

You can do as many as you want a day. There's 100 servings in 40 cents a serving.

[Nick]

That's awesome.

[Beth]

I was doing two monsters a day.

[Caleb Hammer]

There you go.

[Beth]

And then I.

[Caleb Hammer]

Two scoops a day.

[Amy]

She was having heart problems.

[Caleb Hammer]

Okay, well, you're doing one scoop a day. Yeah. Smoke Palace, Amazon, Chick fil A, Amazon, McDonald's, C.J. max. It's all. Yeah, you're Max out your credit card for a lot of that.

[Beth]

Amazon.

[Caleb Hammer]

Pay rent and you'll just spend it all on. Yeah, give me your phone. $227 an interest accruing which. Remember which. What?

[Beth]

This is everybody's Amazon. We use one account.

[Caleb Hammer]

Okay, well, you have a shit ton on your credit card alone, first of all. Let's see in here. Okay. Apple Music Grok. My fitness pal, Twitch subscription. Okay, well, you got our thank you tier, which is kind of stupid because the Hammer Elites that are the best one on YouTube. I did do that for a little premium. Well, no, you still have it now, but I would just rather get Elite because it's better value. Do so many more shows.

[Amy]

Well, are you looking up subscriptions? Well, I pay the subscriptions.

[Beth]

She pays me for them. But they're on that credit card.

[Caleb Hammer]

That's so sick.

[Amy]

But she doesn't use the money. Well, she doesn't use the money that I give her to pay on her credit card.

[Nick]

She uses it for other meat expenses. Not using money. Right.

[Caleb Hammer]

Pants. 12 inch subwoofer.

[Beth]

Oh, yeah, I love my subs. But they're broken right now.

[Caleb Hammer]

Bro. You're getting this. Well, maxing out your credit card. City passenger airplane. I'm gonna assume that's for the kids.

[Beth]

Yes.

[Caleb Hammer]

Oh, my gosh. Another 12 inch subwoofer. Seamless Sports bra. More flight things. Endless no show. Seamless thongs.

[Nick]

What?

[Beth]

I don't know if those are yours or mine.

[Nick]

Probably hers.

[Beth]

I think those are hers.

[Caleb Hammer]

This is just insane. You just spend so much money. I don't get it.

[Nick]

To not pay rent.

[Caleb Hammer]

To not pay rent. Okay, whose capital one quicksilver is this?

[Amy]

Oh, goodness.

[Caleb Hammer]

$2,952.60.

[Amy]

I believe that's his. I think it originally started as a Walmart card and then Capital One took it over.

[Caleb Hammer]

All right, well, father like daughter. 2,950, huh?

[Nick]

I don't know. Then any cards that are in my name aren't my what?

[Amy]

They're his.

[Caleb Hammer]

Who is this then? Oh, but it's in his name.

[Amy]

It's in his name.

[Caleb Hammer]

What the is wrong with you, dude? Again, like you, you only make the minimum payment, yet you're purchasing on it while it's accruing interest. $96 a month. $2,952.60. Takes 15 years to pay off. Your youngest will be out of high school.

[Nick]

We'll be 80.

[Caleb Hammer]

It's over maxed out. It's over maxed out on your credit. She has an overmax. I thought he was the bad one for taking money from your account, but you go from his credit and over max out a card.

[Amy]

Hang on.

[Caleb Hammer]

Now I understand why we don't trust anyone in this house. Okay?

[Amy]

But here's the thing. I have to get credit because he spends from the checking account.

[Nick]

So it's my fault.

[Amy]

I'm not saying it's all your fault. No, it's my fault.

[Caleb Hammer]

I don't think anyone takes accountability in this household for anything.

[Nick]

No argument on the side, I guess.

[Caleb Hammer]

Okay, what is credit fresh line of credit? $4,500. No, there's 2,000 and then 2,500.

[Amy]

Yes.

[Caleb Hammer]

What. What is this?

[Amy]

So probably a month ago is when. So. So it's a line of credit.

[Caleb Hammer]

Yeah, that.

[Beth]

I was told it was closed.

[Amy]

So when I won the 60,000. Right. I didn't say closed. It was paid off. So I paid all of the line of credit and personal loans that we had and then this accumulated in a year.

[Caleb Hammer]

The stack.

[Amy]

No.

[Caleb Hammer]

Paid off all the debt with your winnings a year.

[Amy]

All of the debt? No, no, that's the line of credits for. For the credit fresh. Those were paid off. And about a month ago I used and started going back down to.

[Caleb Hammer]

Why? What'd you pull the line of credit for the gambling. Oh, for sake. Okay, there's no. There's no good guy in this story. It's not all his fault. It's not all her fault. It's your fault too. You're pulling 4,500 in a month for

[Amy]

gambling and to help cover bills because of the gambling.

[Caleb Hammer]

Oh, okay. What the are we doing, guys?

[Nick]

Apparently gambling.

[Caleb Hammer]

What's your minimum monthly payment on this monthly?

[Amy]

Both are 220 each. So $440 a month.

[Caleb Hammer]

Sake. This is insane. What is your thoughts on this? Seeing this. This is insane.

[Beth]

Oh, When I found out that she opened the credit lines, I was extremely disappointed.

[Caleb Hammer]

Oh, wow. Disappointed. Okay.

[Beth]

Cause I thought that all the lines of credit, all the personal loans were paid off and closed.

[Caleb Hammer]

Yeah, but now you're doing it again. It's even worse.

[Amy]

And I made the promise that I wasn't gonna do it again, that I wasn't gonna get us back into a.

[Beth]

So when she won the 60,000, I sat down and I made a whole checklist of credit cards, lines of credit, personal loans, of payoff, like which ones to pay off.

[Caleb Hammer]

Your daughter's doing this for you, by the way.

[Nick]

She's reading over here. You know, I mean, it's her idea.

[Amy]

I asked her to help me. I actually asked my husband to help me, but.

[Caleb Hammer]

Well, he's not there.

[Beth]

Well, also whenever I help me, but

[Amy]

he didn't have the time, so. And I wanted somebody to help me.

[Nick]

And if I did have the time, I wouldn't. It wouldn't matter because she's gonna take it all over and do it all herself anyway, which is.

[Caleb Hammer]

So what happened here?

[Beth]

I mean, she got the personal loans and the lines of credit paid off, but.

[Amy]

And a couple credit cards.

[Beth]

A couple credit cards. She had, I think 16 to start.

[Amy]

14.

[Beth]

14 to start.

[Caleb Hammer]

Okay. But it's getting worse again. Yeah.

[Amy]

Well, Now I have 12 credit cards and two lines of credit.

[Nick]

Now, there was a period of time I will to her defense that I went without a job because of the wreck that I had. They didn't have a vehicle for me to drive. And so I was down for two

[Amy]

months, I guess a month and a half recent. That was back in October. But prior to that there have been stints. There's been longer stints than that where he hasn't had a job, but we're

[Nick]

not going back that far.

[Caleb Hammer]

I think he's heard of going down two years ago. Downhill. Two years ago. Right. Is that. Well, can we all agree on that?

[Beth]

Yeah.

[Caleb Hammer]

What started two years ago? The gambling started two years ago.

[Nick]

Yeah.

[Caleb Hammer]

If you're doing thousands a month. We're reopening lines of credit after you made progress. And now we're getting worse again. It's the gambling, guys. What the is wrong with you? You have a six year old. This is disgusting. You don't have the option to gamble. They have self banning. Right, Right. You need to self ban yourself from these apps. Right. Isn't that something you can request?

[Amy]

I don't know.

[Caleb Hammer]

I don't know if I'm not mistaken. I think it is. There we go. I'm getting head nods. Yes. You need to request that you are banned from these apps. You cannot control yourselves.

[Nick]

That's true. Because I have deleted the app a few times and then come back.

[Caleb Hammer]

That does nothing. You need to request a ban. You can't control yourself. You have a six year old and you have a failure of a daughter.

[Beth]

Okay.

[Caleb Hammer]

Oh, come on. Yeah, you can love her, but she's a failure. Not doing anything with your life and your stepbrother. You're doing nothing. Everything's a joke. You're living at home even though you don't like it. This is, it's, it's, it's pathetic. Yeah, it's pathetic. Nothing is going well. You guys make way too much money to be in this situation, which is even worse than making no money and being struggling. You guys make six over six figures a year, easily 120 to 130,000 hours a year. And yet you live on a trailer on a property that you now own but can't do anything with. And it just broke. And now you live with your parents and your daughter's a failure and who knows what the six year old's gonna look like. This is a disgusting disaster. Wake up sake.

[Amy]

I haven't gambled since Saturday.

[Beth]

Oh my God. It hasn't even been a week yet. God.

[Nick]

Oh, goodness gracious.

[Amy]

I'm just saying I, I can All

[Caleb Hammer]

I'm saying, bro, it's cuz you literally just got kicked out and moved into another house.

[Amy]

But I'm just saying you're out of the routine. That just means that I can do it, you know?

[Beth]

Well yeah, anybody can do anything. It just depends on how long when

[Amy]

it comes to addiction and stuff. Some people just can't walk away.

[Beth]

No, you can stop, bro.

[Caleb Hammer]

It's been a full day. Shut the. Hasn't even been a full week. No, I'll get you the mine card, formerly the fizz card. It's a debit card that builds credit because obviously you can't manage credit cards or you can only spend what's in your checking account. It's very good. Use that. I'll also get you a course, career, certification, whatever you want. A lot of people in the audience have taken those and gotten six figure jobs. So you do that and get the out. What a mess. What a mess, guys. So what, what was spent? Let's see. No, wait, no, this is something new. Oh, it was just out of order on your quicksilver that we just saw before on next. That is spent by you that you over maxed out With a thousand hours of interest. Also Titan Diane. I don't know. You tell me what the this is. What? What what is this? What are you spending 75 bucks on?

[Nick]

Oh, where is it?

[Caleb Hammer]

We don't even know what it is.

[Amy]

Nope, that's gambling.

[Caleb Hammer]

Oh, on a credit card. On a credit card. You. Matt, you over maxed out his credit card for your gambling?

[Amy]

Oh, rarity that I. Oh shit. I've only done that like maybe two or three times.

[Nick]

Really?

[Amy]

On the credit card things?

[Caleb Hammer]

We plugged your shit into the dollar wise budgeting app. Yeah. $5,598 in gambling.

[Beth]

Oh, in a month.

[Caleb Hammer]

Ugh, blow me.

[Beth]

Jesus Christ.

[Amy]

I knew it was a lot. I knew that. It's not all me.

[Nick]

I know, I know.

[Caleb Hammer]

We plugged all your numbers into dollar wise and your categories are

[Amy]

they're. Well, if the gambling stops then which it is.

[Caleb Hammer]

Almost $1,000 going out to eat dollarwise. Saw you doing $1,000 out to eat Just about a month. Month? Is that a month?

[Amy]

It seems high.

[Nick]

It will. Does that include like gas station purchases or is that just like fast food?

[Amy]

That's just. Oh, fast food.

[Caleb Hammer]

This is why you gotta plug your guys's into dollar wise. It'll automatically just tell you where everything is going and you will have the biggest wake up call. What? That's a lot of money, guys. You don't even understand how disaster says you should be living the best lives. The best lives in Little Rock. The median home price in Little Rock, what was that? 247. In the United States it's over 400. Do you guys realize how. Well it's because you live in Little Rock. But I mean if you're gonna live somewhere like Little Rock, take advantage of how cheap it is to live in Little Rock.

[Nick]

Right? Yeah.

[Caleb Hammer]

I wait to see how this comes back to gambling somehow, but it won't.

[Amy]

Huh?

[Nick]

We'll see.

[Caleb Hammer]

You didn't know that? For the capital one, which was his card anyway. $2831.88. Which is insane. $103 minimum payment. What the are we doing? Takes 14 years to pay off. What the. At a 33.49% interest rate.

[Amy]

It's the highest interest rate. Yeah. On all the credit cards.

[Caleb Hammer]

Say so. She had a late fee last year.

[Amy]

What?

[Caleb Hammer]

Oh, that's interesting. On this card.

[Amy]

On JCPenney.

[Caleb Hammer]

On JCPenney?

[Amy]

That's surprising. I didn't know that.

[Caleb Hammer]

Is it? It's either you were late or you didn't have enough money in your checking account. When it attempted a poll, Nothing's on autopilot.

[Amy]

Well, nothing's on autopay.

[Caleb Hammer]

Well, even if you paid and it didn't have enough, it would bounce and you would get return transaction fee. But there was one last year.

[Amy]

Oh, I. I try not to. I mean, I.

[Caleb Hammer]

Well, that's good. You didn't even know what happened.

[Amy]

Well, I have a calendar, and on my calendar, I know when the bills are coming out.

[Caleb Hammer]

And how'd that work?

[Amy]

Apparently, I.

[Caleb Hammer]

Not at all.

[Nick]

But see, if you would let me. If you would kind of delegate some of that, it would probably help you remember.

[Beth]

She would still check it to make sure that you did it.

[Caleb Hammer]

$1,100 in interest in a year, Man. Okay, who's the capital one? Platinum of $2,521.

[Amy]

We have five capital one cards, platinum, so I don't know.

[Caleb Hammer]

World MasterCard.

[Amy]

So we're authorized on each.

[Caleb Hammer]

Oh, my good death. Okay.

[Amy]

Know which one's his and which one's mine? One of them's. He's got two capital ones.

[Caleb Hammer]

Thought you might know the bounds, but. $2,521.64. Minimum monthly payment of 82 bucks. 15 years to pay off interest accruing. Oh, it's over. Maxed out. It's over. That's why it's not spent on it. It's over the limit.

[Amy]

So what I do.

[Caleb Hammer]

It's on his credit. I'm being told.

[Amy]

Okay, so what I do is I will pay the minimum, and then before the statement hits, I'll.

[Caleb Hammer]

Yo. What you.

[Amy]

What if we need gas?

[Caleb Hammer]

Why do you need money? Why does the household in Little Rock, Arkansas, making $130,000 a year need gas money?

[Nick]

Gambling.

[Caleb Hammer]

Exactly. Wake the up. Capital one quicksilver. 2000, 273. Who is this? This is the third quicksilver. I bet it's on yours. Amy.

[Amy]

It's either me or him.

[Caleb Hammer]

$2,273.32. Minimum monthly payment, $73. Purchasing additional cash advances. $46.36.

[Amy]

I don't know what that is.

[Caleb Hammer]

Well, I'll tell you what that it is right now. 19. What was it? What was it? What was it? Let's find out. Ktm. What's that?

[Beth]

Ktm.

[Caleb Hammer]

What's ktm? What's kdm?

[Amy]

Gambling.

[Nick]

Really?

[Caleb Hammer]

Your cash advancing from a credit card. Gambling.

[Amy]

But I didn't know they did cash advance like that. I didn't know they did cash out. I did now, because I didn't.

[Caleb Hammer]

And you got a 10 fee just for that, right?

[Beth]

My God.

[Caleb Hammer]

For $46 you paid an additional 10 and now it's accruing interest on that.

[Nick]

Plus lost the $40.

[Caleb Hammer]

And you went in the gas station and got some fees. Interest disaster.

[Amy]

I didn't know they did cash advance

[Caleb Hammer]

like credit card did. Cuz you didn't.

[Amy]

But I, I.

[Caleb Hammer]

Another Capital one. Quicksilver sake. How many do we have? $2,036.77. 13 years to pay off. Minimum monthly payment $66 $52.16 of purchases. $46 of interest accruing. $36 over the limit. What? You have a vacation plan soon you can't afford to go anywhere. What's your vacation? Better not be to Oklahoma City, Vegas

[Nick]

or whole girl New York.

[Amy]

No, we're going with my parents and my whole family to Dauphin Island. But it's not.

[Caleb Hammer]

Where is this?

[Beth]

Alabama.

[Amy]

Alabama. It's beautiful, but it's not booked yet. I mean, but we all share on the.

[Caleb Hammer]

This is Dolphin Island To Redneck Riviera.

[Amy]

Dolphin Island.

[Beth]

It's beautiful.

[Amy]

Oh, it's beautiful. We've been there.

[Beth]

It's great.

[Amy]

We went there.

[Beth]

I'm not going there.

[Caleb Hammer]

I can't afford it in Florida.

[Amy]

No, it's not in Florida. It's in Alabama.

[Caleb Hammer]

Is it nicer than Florida?

[Amy]

Oh, nice.

[Caleb Hammer]

Yes, it's right there. Then just go to Florida. It's nicer than like Miami beach or Clearwater Water. Okay, well, less people, but it's nicer.

[Amy]

But it only takes like 8 hours to get there, so.

[Caleb Hammer]

Oh, road trip. Closer.

[Amy]

Okay, it's closer. And we share the cost of everything, so.

[Caleb Hammer]

You would do that other places too, but okay. Ultra OG Ultra OG Ecom Solutions East $52.16.

[Nick]

Gambling.

[Beth]

Jesus.

[Caleb Hammer]

It's just over the limit. Why do you actually even want to be close to. You know, the people you surround yourself with are often.

[Beth]

Well, I didn't know it was this bad. I knew it was bad.

[Amy]

I told you it should be there. So the reason why I do it, or did it was because the way that it works is how clear is

[Caleb Hammer]

the water in Alabama?

[Beth]

It's not exactly. It's on the Gulf.

[Caleb Hammer]

The water's never clear.

[Beth]

No, but the beaches are nice.

[Caleb Hammer]

In other capital, One cooks over the literal Fourth Capital One Quicksilver. Fifth Fifth Capital. Yeah, well, yeah, but one's hurt, so there must be another one coming. $1,765.86 with a $58 minimum payment. It's over. Maxed out. It's over the limit, guys. It's over the Limit.

[Amy]

Not by a lot.

[Caleb Hammer]

You're the one saying you managed the household and was taking victim complex the first half of this conversation. But you're the one gambling. This is your card. Gambling to over the limit on everything. You're managing the household. No, you're destroying the house. You're destroying the house. I don't care if he doesn't take out the trash. You're obliterating the finances of this house. You're going to bankruptcy. You're going to the end of this house and marriage and survival.

[Amy]

Maybe.

[Caleb Hammer]

Maybe. Are these numbers not screaming loud enough for you? What the.

[Amy]

I mean, it's not going to. Because the gambling has stopped so.

[Caleb Hammer]

Since a couple days ago. What? What are you talking about? How are you gonna gaslight me with that shit? Oh. Off. Off. Don't ever say the gambling has stopped again.

[Amy]

It will. It is. It is. It has.

[Beth]

Since Saturday. Since Saturday?

[Amy]

Yeah, since Saturday.

[Beth]

Almost a week.

[Caleb Hammer]

Shut up.

[Nick]

I don't feel so bad.

[Amy]

Well, here's the thing. We're homeless, so of course. Yeah. I can't.

[Caleb Hammer]

You're living with your parents. Shut the up. City simplicity. Who's this?

[Amy]

Me.

[Caleb Hammer]

What are we gonna see here? Oh, over maxed out. That's curious.

[Amy]

Not by much, though.

[Caleb Hammer]

Oh, that doesn't shut the up. By much. What do you mean by much? How much?

[Amy]

If I make another minimum.

[Caleb Hammer]

Yeah, before you purchase it. On it. Because you made a $50 minimum monthly payment and then you purchased $82.66. So I don't give a. If you make a minimum. $1,219.21 is the balance.

[Amy]

If I make a minimum and not

[Caleb Hammer]

use it, which you're incapable of, so I don't give a. And even if you make a minimum and don't use it, it takes eight years to pay off. Eight years? That's the shortest payoff, by the way, we've had so far.

[Amy]

It's because the balance is lower.

[Caleb Hammer]

Yes, with a 59 minimum monthly payment. Wing Stop. Critical. Huh? Critical. We couldn't survive without Wing Stop.

[Amy]

I don't even remember.

[Caleb Hammer]

Couldn't survive without going in and getting some. Interest accruing. High interest rate. Okay. Nick, credit card. Chase credit card. Thousand dollars. She says she doesn't know how to log in.

[Amy]

Well, it.

[Beth]

They.

[Amy]

They. Yeah.

[Caleb Hammer]

To even pay.

[Amy]

Right. I just need to. But you call to pay. I call to pay.

[Caleb Hammer]

Oh. Why do we live our life in such an overly complex.

[Amy]

Well, because there's so much mental energy. The card is in his name. He would have to call Call.

[Nick]

I didn't even know I had that card.

[Caleb Hammer]

Dude, you're in the bathroom four hours a day. Call the bank.

[Nick]

I don't even know but I have no clue what I like any of them cards.

[Caleb Hammer]

What?

[Nick]

Yeah, like she does.

[Caleb Hammer]

She?

[Nick]

I've been so hands off that I have no idea what I did.

[Caleb Hammer]

Why haven't you told them?

[Amy]

I've tried. He wants nothing to do with it. He wants him of not having to deal with it.

[Caleb Hammer]

You don't get that freedom as a father and a partner.

[Amy]

You can say what you want. I've tried a few times to talk to you about it.

[Caleb Hammer]

And you.

[Amy]

It's as though you don't want to do it.

[Beth]

Well, I know. I tried when I made it. The logic of what he wants to

[Amy]

do is he wants to get another card with interest free and then trade for all the balances.

[Caleb Hammer]

That doesn't change any behavior, right? That's going to make you get double the credit card debt because then you're going to not change behavior and build up the one that just went to zero.

[Nick]

Well, the only time that we talked about that is instead of calling consolidation.

[Caleb Hammer]

Don't do that either until you change behavior, right?

[Nick]

That's the only time I get involved or you know, whenever.

[Beth]

Whenever mom won the 60 grand. I tried to show you all the credit cards and everything and he's not interested.

[Nick]

You wouldn't look because it doesn't matter what I say. You're going to do what you want, right?

[Beth]

It'd be nice to know what's going on.

[Amy]

No, but if you wanted to know. I feel like you should have been more forceful with it.

[Nick]

I mean, like I've tried to get her to.

[Caleb Hammer]

What's the minimum monthly payment on this 40? Hammer Elite is the best YouTube membership on the platform and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the PIN comment or just description below. This is the best membership you'll ever join. That's a promise. Guys, just real quick, don't forget to take your Hammer Financial score@caleb hammer.com. see where you stand, where you got to do better, where you're doing. Listen, it just takes a few minutes and it is free. Figure out where you stand in the world of money. Caleb Hammer dot com. See, I can't even see the it

[Amy]

balance is a thousand, but okay.

[Caleb Hammer]

Care.

[Amy]

Oh, Care Credit.

[Caleb Hammer]

Care Credit.

[Amy]

That one they kind of sold me on.

[Caleb Hammer]

So this is yours?

[Amy]

That's mine. He had one, but we paid it off. Because if you don't pay it off in the fir. In a year, all the interest.

[Caleb Hammer]

So how'd you get screwed on that? That's deferred interest.

[Amy]

Well, because I didn't. It was the first.

[Caleb Hammer]

Well, you look at it.

[Amy]

I know, and I didn't.

[Caleb Hammer]

You didn't get screwed over. You didn't look at it. Dude, that's not getting screwed over. You can't be a victim and everything. Four years to pay off. Almost maxed out $893. Okay. Yeah. Minimum payment and then $30. Almost. It's close.

[Amy]

Almost. And I don't use that interest.

[Caleb Hammer]

Of course. 26.69% interest rate. Who has a Home Depot credit card now?

[Amy]

That's Nick's.

[Caleb Hammer]

Who pays this?

[Amy]

I do.

[Caleb Hammer]

So I'm confused, because a larger payment was made on this one, and then no purchases where there was purchases on everything. There were fines. What the is happening here? Okay, you owe $834.12. Minimum monthly payment, $50.04.

[Amy]

Okay.

[Caleb Hammer]

23 months to pay off went down from 1200, but. Oh, you were past. No. No, you weren't. What is this fee? Oh, this is a monthly fee. This is just a horrible card. Oh, it's at a 35.99 interest rate.

[Nick]

Oh, good gosh.

[Amy]

That's you.

[Caleb Hammer]

Oh, you wanted to start a lawnmower business.

[Amy]

Yes. That's where this.

[Caleb Hammer]

What are we even talking about? You wanted to start a business. You can't even get out of the bathroom.

[Nick]

That was when. That was back.

[Amy]

That was when he didn't have a job. And when was that?

[Beth]

Right before Dan Dixon. It was right before rehab. Because he didn't. That was what threw them into.

[Caleb Hammer]

Because he didn't want to get tested.

[Beth]

No, he didn't want to. He didn't want to.

[Amy]

He didn't want to work.

[Beth]

He didn't want to work.

[Amy]

He didn't want to work. He still will tell you to this day. He didn't have to work. He doesn't want to work.

[Nick]

Yeah.

[Caleb Hammer]

Anything at all.

[Nick]

Do it.

[Caleb Hammer]

Well, no. I mean, I would work. I would just do exactly what I want to do.

[Nick]

Well, I would do what I want to do. Right.

[Caleb Hammer]

What do you want to do?

[Nick]

I'd love to get into having, like. I mean, I'm just a big kid. Like, I still. One of my.

[Caleb Hammer]

This is infantilization of all of you.

[Nick]

Yeah. Baseball cards. Football cards. Oh, yeah.

[Caleb Hammer]

No, that would be your job. Baseball cards.

[Nick]

Well, yeah, I would probably get into a collection.

[Caleb Hammer]

Okay. Don't pursue your passions ever.

[Nick]

Right. Yep.

[Caleb Hammer]

Good.

[Amy]

But that Was what?

[Beth]

That the card was open for.

[Amy]

The card was open for his lawnmower business that went nowhere.

[Caleb Hammer]

PayPal. Who's this? You have everything his, of course. But you use it, right?

[Amy]

I don't use it.

[Caleb Hammer]

Four years to pay off, you pay it?

[Amy]

Yes.

[Caleb Hammer]

761.92 with a $30 minimum monthly payments.

[Amy]

The only time I've ever used the PayPal was to pay like a central. Like a water bill to help pay in the water bill.

[Caleb Hammer]

Why is it so high then?

[Amy]

These were purchases from a long time ago. I don't even know.

[Caleb Hammer]

With PayPal, we've made so much progress, but you put it all to gambling. You could have such a good life. You have no idea. Who has the credit one?

[Amy]

Me.

[Caleb Hammer]

You know credit one's like the definition of the worst. Of the worst?

[Amy]

Yes. I know this because they charge a monthly, like, oh, they sure. $8 fee just to have the card, but it's like $378.

[Caleb Hammer]

You think that's what's making a break in your life? No, it's your gambling. $3,000 or $367.79 with a 30 payment. It's almost maxed out. Interest and fees are accruing. Okay, what is this, Baptist health?

[Amy]

Oh, so he had a medical emergency.

[Caleb Hammer]

What?

[Amy]

So his ankle was. Yeah, so he had to go to the.

[Caleb Hammer]

Are you on a payment plan?

[Amy]

Yes. So it's $50 a month.

[Nick]

Okay.

[Caleb Hammer]

And you owe 350. $343.26. I mean, this doesn't stress me out as much, medical specifically, but I just don't understand why we gamble. Will we have this? Okay. Money owed to family. 50. What? The $57,000.

[Amy]

So that was for the purchase of the five acres.

[Caleb Hammer]

Okay, so you bought the property. $57,000 from family. So it's a personal loan to a family. I thought you said you acquired property. Oh, I didn't realize you were still owed family for it. Oh, what the. What's the minimum monthly payment? Is there interest on this?

[Beth]

No. Interest in 130.

[Caleb Hammer]

How does she know?

[Beth]

300.

[Amy]

130? Yeah, it's 300. Can someone tell me what the are we doing?

[Caleb Hammer]

Why are we even doing this, guys? You could have got just a nice house somewhere. What the are we doing? Why? What is this obsession with grass? I'm glad you have it. You'd get it somewhere else.

[Amy]

Well, the reason why we wanted the five acres is because it's right next to our family and.

[Caleb Hammer]

But you had to borrow from family. Borrow from family. $57,000. Now you 300amonth. You're lucky it's zero interest. But it's so stupid. You'll into debt for everything. Who has student loans?

[Amy]

We both do.

[Beth]

We all do.

[Amy]

Well, we all do.

[Caleb Hammer]

Okay, who has 57,000 on one? 53,000. Who is it? Through advantage.

[Amy]

Oh, that's him.

[Caleb Hammer]

From what?

[Nick]

I got a bachelor's degree. Marketing.

[Amy]

Business marketing?

[Nick]

Yeah.

[Caleb Hammer]

Oh my. Dude. What the. When this is so much. $53,132.56. Minimum monthly payment. $718 and $0.01. What the are we doing? What the are we doing, guys?

[Amy]

So I signed up for a plan on that one. It'll be paid off in 12 years. It's 270. 270.

[Caleb Hammer]

That forever. My God.

[Amy]

$270.

[Caleb Hammer]

Okay, who has mohela?

[Nick]

Me.

[Amy]

Yeah.

[Caleb Hammer]

What's the total balance on this?

[Amy]

She does.

[Beth]

Yeah, that's mine. I have two separate loans, but the total is about 4,000.

[Caleb Hammer]

And you got no student loans or you got no degree, right?

[Beth]

No degree. No. I went for one semester cause I felt a little bit of pressure from family to go. But there was also no.

[Caleb Hammer]

Well, you felt too complicated not being literally under your parents nose for two hours.

[Beth]

I was driving home every day. I was driving home every day. But we had our own.

[Caleb Hammer]

Oh no. I was driving home. What the. Oh wait. You had a dorm?

[Amy]

Yes.

[Caleb Hammer]

Dude, you are too sheltered.

[Nick]

Thank you.

[Caleb Hammer]

You're actually gonna have a weird life.

[Beth]

Probably.

[Amy]

Yeah.

[Beth]

I mean, I don't know a lot of things. Like cleaning. I have been watching videos because we're about to get our own place to

[Caleb Hammer]

learn how to do maintenance on house videos on cleaning.

[Beth]

I had no idea that like dishwashers and fridges had filters that you're supposed to clean. No idea.

[Caleb Hammer]

You're watching videos on cleaning at 21.

[Amy]

I didn't know that. You could have asked me.

[Caleb Hammer]

Could you guys parent for once in

[Amy]

your life ever asked me? I. I've tried.

[Caleb Hammer]

So mom made you go to this college and go to the dorm?

[Amy]

Be transparent. She. I essentially forced her.

[Caleb Hammer]

Honestly, you probably should have. You probably should have.

[Amy]

And a lot of that.

[Caleb Hammer]

You're a shut in.

[Beth]

But also what I was going for wouldn't have been worth it. Cause I was going for animal scientists.

[Caleb Hammer]

What? There are animal scientists though.

[Beth]

But I can't do blood. I'll pass out.

[Caleb Hammer]

Even animal blood?

[Beth]

Yeah. Can't do it. I will.

[Caleb Hammer]

Then do something else. I don't know.

[Beth]

Yeah, I don't. Yeah, it wasn't for me. Shouldn't have gone in literal.

[Caleb Hammer]

And now you're just gonna be a bank teller for the rest of your life, Living with your parents forever a bank teller.

[Beth]

No, that's what you are now. But everybody loves me there. And they keep saying that once.

[Caleb Hammer]

What an accomplishment.

[Beth]

I'll get up the ladder at some point.

[Caleb Hammer]

Will you?

[Beth]

Yeah.

[Caleb Hammer]

Be satisfied living at home, having your parents walk on you.

[Beth]

I've also walked in on them.

[Nick]

We're married.

[Caleb Hammer]

Can we not put socks on doors or something if we're gonna live like this? Who has the Kia Sorrento?

[Nick]

Me.

[Caleb Hammer]

Okay. What's the balance? I can't tell.

[Amy]

It's like 12 or 13,000.

[Caleb Hammer]

No, $13,280.65.

[Amy]

Yeah.

[Caleb Hammer]

Minimum monthly payment. What's your minimum payment on your student loans?

[Beth]

$55 a month.

[Caleb Hammer]

$55. And then yours on this Kia? $184.

[Amy]

Well, it's.

[Caleb Hammer]

It's really your student loans. What are your student loans?

[Amy]

Oh, so they're about 57 to 60,000.

[Caleb Hammer]

What? 60. What's your minimum?

[Amy]

So I signed up for a plan, and it's $250 a month.

[Caleb Hammer]

I'm going to die.

[Amy]

And in five years, anything not paid off will fall off. So it's an income contingent plan that I signed up for when? About a month ago.

[Caleb Hammer]

Okay.

[Amy]

Because the first payment's just now coming due on that.

[Caleb Hammer]

That doesn't make sense. With who? Federal government. The RAP repayment assistance program. Forgiveness is like 40 years of low payments.

[Amy]

It was ED financial, and it was for five years.

[Caleb Hammer]

I would double check.

[Amy]

I think it's the length of the. It's because it's been so long. I mean, I graduated in 2010.

[Caleb Hammer]

I would just double check. Okay. What's GS Lending Services?

[Amy]

GLS.

[Caleb Hammer]

Past due. Past due. $643.

[Amy]

That is.

[Caleb Hammer]

What the is this?

[Amy]

That's.

[Caleb Hammer]

Oh, what is this? At a 12.7% interest rate of death.

[Amy]

Yeah, that's the Hyundai.

[Caleb Hammer]

Oh, it's a Hyundai. Who's Hyundai?

[Amy]

Well, it originally started as hers and we bought it for her when she went to college. Brand new.

[Caleb Hammer]

Of course, we couldn't stay out of the house. Oh, the Kia was past due as well.

[Amy]

Yeah, well, the Kia. I mean, the Kia.

[Caleb Hammer]

So tell me, what, now he has it.

[Amy]

Well, hang on. So The Kia is $435 a month?

[Caleb Hammer]

Yeah.

[Amy]

As far as the Hyundai. Yes, now he has it. We bought it from her for $3,000 and she went and got her a new another vehicle.

[Caleb Hammer]

Oh, the Kia. Okay, okay, okay. The Kia is 435amonth.

[Amy]

Correct.

[Caleb Hammer]

Okay, so I had it lower. But the Hyundai. What's going on with this?

[Amy]

So it's $643 a month. And so currently what I.

[Caleb Hammer]

Okay, but you're late.

[Amy]

Correct. So what I do is I just. I'm a month behind.

[Caleb Hammer]

So how much a month?

[Amy]

A month behind.

[Caleb Hammer]

So it's three.

[Nick]

No, it's six.

[Amy]

No, it's 645.

[Caleb Hammer]

Now you owe double six. 43.91. My life. My life. You owe a total of $16,781. What are we doing? And 39 cents. And you're gambling, yet you're behind. This is so. Ridiculously. You have this. This is so stupid. Okay, the amount of paperwork left is usually the amount of paperwork that someone comes into financial audit with. We're at an hour and 29.

[Beth]

Gee's Louise.

[Amy]

I think that she needs to be

[Caleb Hammer]

with a Geez Louise. She needs to leave this house immediately. She needs to go get some life. She's saying, geez Louise. She's an 80 year old. She has no life. She needs to leave this house.

[Beth]

I don't like cursing in front of my parents.

[Caleb Hammer]

You don't have to curse. But jeez Louise is something no human has ever said in the history of 21 years old. I'm around a lot of work and home.

[Amy]

Mom. I appreciate that. She doesn't curse or you don't have to curse yourself.

[Caleb Hammer]

The old person. Oh, okay. What is this? $24,264. What does that.

[Amy]

Not me.

[Beth]

That's my car.

[Caleb Hammer]

Oh, you. What are you doing?

[Beth]

It's an Acura TLX 2020.

[Amy]

So we bought.

[Caleb Hammer]

Why?

[Nick]

But when you don't pay rent, you can spend that kind of money on a car, huh?

[Caleb Hammer]

$24,264. What's your minimum monthly payment?

[Beth]

It is 484.52. But I got. So I refinanced with my bank that I work for.

[Caleb Hammer]

Is this the refinance or before?

[Beth]

Yes, that's the refinance.

[Caleb Hammer]

Is the refinance 7.25%. It's not great. Still going to pay it off quick.

[Beth]

So a lot better than what it was.

[Caleb Hammer]

Sure. Great doesn't mean it's good. Okay. Amy, medical bills.

[Amy]

Oh, that's.

[Caleb Hammer]

We don't. I don't even have a number.

[Amy]

It's UAMS.

[Caleb Hammer]

How much is this?

[Amy]

So it's $782, I believe $707. 37, 38.

[Caleb Hammer]

What's the minimum monthly?

[Amy]

And that's because he had to go to the ER and we didn't have insurance for the ankle thing and he didn't have insurance at the time.

[Caleb Hammer]

Okay. I think that's actually the debt. Thank God. Is that the rest of this is chicken accounts.

[Amy]

Well, well, I, I in savings. I have. It's checking Savings and a 401K.

[Caleb Hammer]

Yeah, let's see what those are like. Okay, this checking account, who is it? Ended at $26,000 Arvest.

[Amy]

What is the account number or the last four?

[Caleb Hammer]

I don't know. It's blacked out. For your safety.

[Amy]

Oh. Huh. Oh, it's. It's his.

[Caleb Hammer]

It's Nick's. Yep. There's his trip to McDonald's anyway. McDonald's. Summer Autumn play.

[Nick]

Gambling, gambling.

[Caleb Hammer]

Ler Laser. Great gift shop. $47 gift shop is JH Mart.

[Amy]

No, that's gonna be a gas station.

[Caleb Hammer]

So you're going and getting some. Going and getting some Amazon cash app. Plex worldwide. Probably Gambling, gambling, gambling. Going inside, getting some McDonald's, getting some water burger. This is insane. It's a Burger King. Gambling, gambling. Chick fil A, I think. Gambling Bulldogs Restaurant. Smoke Palace. Cigarettes. And gambling. And gambling. And gambling. And cash app of $50. Amazon. Walmart. Yeah, probably smoke shop. Going to get into Amazon. This is insane. Ocean Dock Gambling.

[Nick]

Yeah.

[Caleb Hammer]

Liquors, smoking. Going inside, getting some gambling, I think. Gambling, gambling, gambling, gambling, gambling, gambling, gambling.

[Amy]

Yeah.

[Caleb Hammer]

You know how it added up to the thousands we talked about before the doll was all, yeah, McDonald's. Amazon, Amazon, Texas Roadhouse, La Quinta Inns and Suites. Where are you going? Gambling. Cash app. Amazon. Amazon. Gambling, gambling, gambling. Cash app. Gambling, gambling, gambling, gambling. Own it fit.

[Nick]

What is it?

[Caleb Hammer]

Own it fit.

[Amy]

Own it. Own it.

[Caleb Hammer]

Gambling, gambling, gambling. Amazon. It's a gambling, gambling, gambling, gambling, gambling. Seven brew McDonald's sonics going to get into bullshit. Smoking. Dairy Queen. McDonald's. This is insane. This is one month. This is crazy. Gambling. Roblox.

[Beth]

Oh, my little brother bad.

[Caleb Hammer]

He's getting groomed too. Gambling, gambling, gambling, gambling, gambling. Cash app. Amazon. Taco Bell. Who are you sending cash app to?

[Nick]

That's the gambling.

[Amy]

That's to the friends and brother in law.

[Caleb Hammer]

Okay. Gambling, gambling. McDonald's. McDonald's. Gambling. Oh, no. Bullshit, bullshit, bullshit, bullshit. McDonald's. Cash app. Cash app. So cash app away for hours at a time, locking himself in the bathroom.

[Amy]

Well, cash app also is for the game. So if you win money, it goes through cash app, right?

[Caleb Hammer]

Okay, Cash. Yeah, but this is. No, no, these are. These are outs, not in.

[Amy]

Oh, they're all out.

[Caleb Hammer]

Yes.

[Amy]

Well, you can also do cash app for the gambling as well, Arties, I think.

[Caleb Hammer]

Gambling, gambling, gambling, gambling McDonald's. Dude, this is the most insane checking account I've ever seen. This is actually disgusting. Cash app. Gambling. McDonald's fashion. Paul Way fashion.

[Amy]

What's the amount?

[Caleb Hammer]

48.80.

[Beth]

Gambling.

[Caleb Hammer]

What the are we doing? Cash app. Gambling, gambling, gambling, gambling. This is insane. This is insane. All right, whose account went from 52 to 1,267?

[Amy]

My.

[Beth]

I was gonna say I don't have that.

[Caleb Hammer]

Getting some Wendy's. Gambling, gambling, gambling RB Sonic. Gambling, gambling, gambling, gambling, gambling, gambling, gambling Schlotsky's. Gambling. Texas Roadhouse. Gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling gambling, gambling, gambling, gambling, gambling, gambling Problem? Oh, I think so. I would actually get some help on this. Gambling Chick Fil A. Gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling. Wendy's. Gambling, gambling, gambling, gambling, gambling gambling, gambling, gambling, gambling, gambling. 50 bucks a pop, by the way.

[Nick]

Thank you.

[Caleb Hammer]

Yeah, yeah. That's why you should have used. Otherwise you would have seen these numbers and you would have thrown up. Gambling, gambling, gambling, gambling, gambling. Wendy's. Come on. Gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling Papa John's. Gambling, gambling, gambling, gambling Might actually have

[Nick]

more on there than I do.

[Amy]

We have just as much.

[Caleb Hammer]

Gambling, gambling, gambling, gambling, gambling, gambling PayPal out. Probably the Gambling, gambling, gambling, gambling, gambling gambling gambling, gambling, gambling, gambling Sonic. Driving. Gambling, gambling, gambling, gambling, gambling, gambling, gambling.

[Nick]

Seeing a pattern here.

[Caleb Hammer]

Gambling, gambling. Sonic. BS Subway. Okay, with two overdrafts.

[Nick]

And how many months is that?

[Beth]

One One.

[Caleb Hammer]

You have capital one. Who has capital one?

[Beth]

Me and my mom both have capital one.

[Caleb Hammer]

Who has a dollar?

[Amy]

Me.

[Caleb Hammer]

Okay. Gambling.

[Amy]

Oh, that was just a. Yeah, a gamble.

[Caleb Hammer]

No, I certainly was 2000. And this savings.

[Beth]

That's.

[Caleb Hammer]

But in the checking account. Who is it?

[Beth]

That's my mom's.

[Caleb Hammer]

But in the checking account, it's Gambling, gambling, gambling, gambling Gam ATM Withdraw. Gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling Sell out. Gambling, gambling. Sell out. Gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling zellow atm will charge 200. Gambling, gambling, gambling, gambling, gambling, Gambling. All this in one month. Gambling, gambling, gambling atm draw. Gambling subway. Gambling, gambling. The savings she was bragging about earlier went from 4,000 to 2,000 so she could gamble. So your retirement for the remainder of your Life at almost 50 is $17,000 and then $1,500 dollars. What a pathetic joke.

[Beth]

Yeah. That second one is mine. My retirement.

[Caleb Hammer]

You.

[Amy]

She has retirement

[Caleb Hammer]

budget. Figure out his income don't get on loans together. Go get a rental and live your life and pay off your debt. That's all you need. You guys need something else entirely. Get out. No wonder you're on financial auto with them. Because you can't separate yourself. It's really weird. Leave the house. You're gonna be a weird freak, dude. Guys, the minimum monthly payments for this household, not hers included, is $3,735.05. Absolutely insane. You're lucky. With the household, we bring in about 9,974. Wait, no. 8,000. 8,974 net. Well, no, gross. You gotta set 30 aside. I'm gonna take off a thousand. 7,974. When's the last time you filed taxes?

[Amy]

We do them every year.

[Caleb Hammer]

Okay. Okay. Utilities? Electric? Well, we don't even know, but usually. What is it?

[Amy]

So we have for the trailer, it's about $220 a month. Month for the shop it's about 115amonth.

[Caleb Hammer]

Okay. Gas.

[Amy]

And then we have the rent. House because how much it is? 55amonth.

[Caleb Hammer]

Okay. Gas. Vroom, vroom. Drive, drive. How much on a monthly basis?

[Amy]

80amonth for both for me.

[Caleb Hammer]

Okay. You driving car?

[Nick]

Probably. Probably 40. Because I don't drive a whole lot.

[Amy]

I drive by company in his. His works right down the road.

[Caleb Hammer]

Right. Okay. Phone bill.

[Amy]

$220 a month. Okay. And we're all three on the plane.

[Caleb Hammer]

Groceries. One, two, three. You guys use the meal plan, use the cookbook, use all the good stuff. You guys, not her included. She's on her own now. You're dead. You're independent. Off.

[Beth]

Okay.

[Caleb Hammer]

You guys with the kids should be able to do about $700 a month TP fund. Anything else you guys need is 5, 250. Medical, health care. Co pays on a monthly basis. Any.

[Amy]

Yes. How much is we pay? His separate is $235 a month.

[Nick]

Okay.

[Amy]

Mine's included on my check.

[Caleb Hammer]

Co pays. No Co pays though.

[Amy]

No copays. What do you mean by co pays?

[Caleb Hammer]

The copays. The actual.

[Amy]

Like if we go to the doctor,

[Caleb Hammer]

there would be do go to things on a monthly basis. Okay. So 235. I'll try to do subscriptions. 75. You have any pets outside of hers?

[Amy]

She's.

[Caleb Hammer]

We're going to have to get them pet insurance.

[Beth]

She's keeping two dogs when we move.

[Caleb Hammer]

Are you?

[Nick]

Are we?

[Amy]

Well, I said we keep one, but she. She needs me to take care of the other one.

[Beth]

Yeah, so. So they can't be under the same house?

[Nick]

Yeah, we'll have to. We'll have to.

[Caleb Hammer]

Okay. Okay. Pet insurance. Hundred dollars because you can't take care of them if they get sick. How much for pet food?

[Amy]

Well, I'm not gonna pay for any of that.

[Caleb Hammer]

Oh, she's gonna pay for it.

[Amy]

Yeah, they're her dogs. Just. They're just simply staying.

[Caleb Hammer]

Anything else that needs to be in your guys's budget that I have not included?

[Nick]

Not that I can think of.

[Caleb Hammer]

Bare bones.

[Amy]

We. We didn't do the water or the gas bill.

[Caleb Hammer]

I asked for utilities. How much are those?

[Amy]

Oh, the two I was giving you, only electric.

[Caleb Hammer]

Okay. Yeah, give me those.

[Amy]

Okay. So we had water leaks, so it's kind of hard to know. About 120 for the water and then gas. Gas is about 75amonth.

[Caleb Hammer]

Anything else?

[Beth]

Water for the house, not the trailer.

[Amy]

The water for the. Right now. Yeah, no, the 120 includes that.

[Caleb Hammer]

That includes. Okay, okay. There is a debt payoff journey here, but it's low and slow, unfortunately. But $5,960.05. I would not do bankruptcy until you change your behavior and then you can consider it or else you'll be in the situation again. However, I mean, it's going to take a long ass time. So this is $20,000 of bad debt. Does that line up? Let's just pretend for the sake you have 35,000 hours of bad debt in case I got something wrong here. But even still, with your 5,900, you have left of your 7,900, that gives you $2,000 to play with on a monthly basis. So that's a 17 months. I'll actually give you guys 250 for fun for the kids.

[Beth]

Well, we also kind of need to factor in housing, like a mortgage of some sort, if they can.

[Caleb Hammer]

Yeah, we don't know what we're gonna.

[Nick]

Yeah, we just don't know.

[Caleb Hammer]

Well, don't I want to build something now? I would rent something now. Get your debt taken care of and then pay this off. If you rent something out for a thousand, this doubles. It takes two and a half years to pay off the debt, but that's okay. Go work some more hours and that's fine. And you can pay off even quicker. I'm okay with that. And you're just doing it with you two, the two dogs and, and the one kid. So you don't have to rent something crazy. It's just a couple years. Pay off the debt, get a fully funded emergency fund, then build something. You can do that. That's Fine. This is just a couple year process. Couple year process. That's fine. This isn't the end of the world. How much does it take to get up that house to living standards for you guys to live in that for

[Amy]

a while into the rental house.

[Beth]

So they want to bulldoze it down.

[Caleb Hammer]

If you want to live there temporarily.

[Amy]

What would it take temporarily?

[Nick]

I would say probably to ten grand maybe. Probably. Cuz I mean there's.

[Caleb Hammer]

That might be worth it.

[Nick]

Yeah.

[Caleb Hammer]

So I put. I'd maybe put ten grand to get someone else to fix it up and make it so that you guys can live in there. Cuz that all of a sudden brings your minimum through payment down once the 10 grand is gone. Meaning you can pay off all your debt in one and a half years. All your bad debt, the minimum payments and student loans in the family. And then you are saving up a fully funded emergency fund. And then you save up enough to put a down payment down on building a dream house which you guys can depend on your situation. But none of this includes gambling of which was thousands. So what was it like $5,000? You have 2,000 hours left. After the 10,000 hours you borrowed to get it fixed up you probably only have like 1500 left. This does not work unless you quit gambling. Go get help. That's it. That's it. And then build this budget. Work on it. I'll give you this. You follow it. It's not that difficult. Just stop being children with your money. You guys are adults.

[Nick]

Yeah.

[Caleb Hammer]

We're gonna call the boyfriend of the post show and we need to confront him on a lot of. So make sure you join Hammer Leap. Let's get. Let's get the Hammer Financial score first though. Going to do it for you guys. For you grow the up is your score. My goodness. I don't even know what to do with you. Spend it. We'll figure that out in the post show with your boyfriend because we need more info from him. You guys though spending in a budget. Overspent. Not even close. 0 out of 10 debt. No collections bad. Just lots of individual debts. It's kind of crazy. I'll give you a 1 out of 10 though. That's being generous. Emergency funders. What? $2,000 in saving. That's probably about a 1 out of 10 for you guys. Living situation retirement dramatically behind 2 out of 10. Real estate. All your own land but not a house. It's weird. And also you have a family dead on it. It's not great. Not happy about it. 3 out of 10 Hammer Financial Score for Yalls Household 1.5 out of 10 get yours@caleb hammer.com now click Join Hammer Elite Three premium shows posted every single day, six days a week week. See you in the post show.

[Nick]

Hello.

[Caleb Hammer]

I kind of want to know why you're a loser who won't pay rent even though they've asked you to pay rent and you're not contributing anything to this household whatsoever. Oh he sounds like that. Absolute pothead. What would you guys think if you had a daughter and then you moved in a 1615 year old guy and he started her in the house like your worst nightmare? I don't think I would let him stay there dad. Step in. Hammer Elite is the best YouTube membership on the platform and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.