Financial Audit's Most Toxic Husband

Summary

Financial Audit Podcast: "Financial Audit's Most Toxic Husband"

Host: Caleb Hammer
Guests: Alice (28, AP Clerk, part-time), Alice's Partner (26, Label Coordinator & outdoor theater job, military reenactor)
Date: July 27, 2026

---

Episode Overview

This episode dives into the highly dysfunctional finances—and relationship—of Alice and her partner, who live with their two young children in rural McHenry, Illinois. Billed as the "most toxic husband" episode, Caleb explores not just their financial struggles (debt, low income, overspending), but also a volatile marriage marked by poor communication, emotional neglect, controlling behavior, and impulsive spending—especially on military reenactment hobbies and collectibles. The tone is caustic but often comedic, with brutal honesty and pointed remarks from Caleb.

---

Key Discussion Points & Insights

1. Background & Dynamics

• Guest intros: Alice, 28, part-time AP clerk (making $25K/year); Partner, 26, label coordinator at a meatpacking plant (~$18.75/hr, ~40hrs/week + seasonal second job).
• Live in McHenry, Illinois ("Boonyville"), own a small 700 sq ft home, two young kids (2 years and 6 months).
• Immediate tension—Alice’s partner says issues are always blamed on him, Alice says he isn’t present at home.
• Partner wears WWII reenactment uniform for the show—trouble starts early.

“She always throws it on me like it's entirely been my fault, my problem, that I'm the cause.”
– Alice’s Partner [00:33]

• Caleb, shocked by their presentation and dynamic, states:

  “You're a bad father. You're a bad partner.” [00:51]

---

2. Income, Occupation & Hobbies

• Alice: Salary $25,000/yr, works about 20 hrs/week to manage childcare.
• Partner: $18.75/hr, full time (~$635/week net), plus seasonal job at outdoor theater (~$16.50/hr).
• Combined household net income: ~$40K/yr (rising to nearly $58K during theater season).
• Serious job insecurity: Both roles likely to be automated soon; neither has sought upskilling.

Partner's WWII Reenactment Obsession

• Spends $3,500+ from tax refunds on reenactment uniforms, gear, and travel.
• Owns ~32 pairs of shoes for reenactment; significant amounts of collectibles and guns.
• Alice: “We have a 12x14 shed of just his reenacting stuff.” [16:08]

---

3. Household Dynamics & Gender Roles

Emotional Neglect, Resentment, and Poor Co-Parenting

• Partner frequently absent: “He is home maybe for the weekend twice a month.” [11:07]
• Alice works part-time for childcare; partner claims work is for survival, but Alice points to excessive “boy time”—camping, gaming, WWII events.
• Minimal involvement with children (never bathed them; doesn’t know their bedtime routines).
• Alice left alone with the kids, even during her own health crises.

“When's the last time you gave any of our kids a bath? Never. You've never given them a bath?”
– Alice [11:39]

Gaming & Escapism

• Partner plays video games nightly after work, offers minimal help.
• Excuses for not sharing chores (“I clean the cat box instead”).
• Admits he cannot handle or is afraid of key parental tasks.

“Cleanliness scares the shit out of me.”
– Alice’s Partner [11:46]

---

4. Control, Trust & Safety Issues

• Alice not allowed to leave the house except backyard/park. Partner fears for her safety, referencing “Craigslist murders”—even denies Facebook marketplace trips.
• Underlying gender power imbalance.

“You're hanging out with your boys constantly, including on gaming overnight. Why can't she go outside?”
– Caleb [13:33]

---

5. Financial Management & Spending

Bills, Debt, and Individualized Accounts

• Most of Alice’s paycheck goes to bills, partner contributes less but argues that Alice doesn’t communicate financial needs.
• They have “his, hers, and ours”—joint account for shared bills, but individual spending/savings. Never on same page.
• Owe $7,000 to Alice’s mom for roof loan, $4,500 for family car (zero interest).
• Large medical debt ($15,687) from partner’s gunshot accident at work—caught in legal limbo, no payment plan, risks credit score/foreclosure.

Chronic Overspending & Poor Prioritization

• Tax refund ($5,000) largely spent by partner on reenactment—“You spent more in one month on your reenactment gear than they have in their entire savings.” [52:21]
• Routine dining out, impulse purchases (“pay in 4” for collectibles), eBay/Amazon spending, occasional Starbucks/"sugar cube" fights.

“Spending was $4,310.12 when $3,261 came in. You spent almost $1,100 more than you earned—that's debt.”
– Caleb [57:36]

• Partner has $40,000 in gun collectibles, refuses to sell even in face of debt.
• Alice spends small amounts on personal care/Starbucks (“horse eating sugar cube” reference, [72:07]), but nothing comparable.
• Savings: around $2,000 per kid (from family gifts/tax credits); their own retirement IRAs: negligible.

---

6. Communication Breakdown & Mutual Resentment

• Financial conversations don’t happen or devolve into blame.
• When Alice asks for more money for joint bills, partner complains she spends on “stupid stuff” (code word for groceries).
• Accusations over hiding/hording, including suspicions partner is gay due to close male friendships and videos from reenactments [101:53–102:07].
• Alice applied to be on the show because tired of being called “the problem.”
• Partner opens with “she needs to get her shit together” in pre-interview, consistent with gaslighting and deflection.

“She bottles up, and then it boils over... then we're sitting there yelling at each other over finances.”
– Alice’s Partner [32:54]

---

7. Living Situation & Moving Plans

• 700 sq ft house is too small; bought in desperation to escape unhealthy previous homes—now underwater due to poor planning.
• Looking to move to Indiana, to be near Alice’s disabled brother; plan relies on (uncertain) teaching job for partner.
• Have $70K equity in house, but dogged by debts and uncertain job prospects at new location.

---

8. Major Confrontations & Memorable Moments

Harsh, Notable Quotes

• “Why did you father children if you can't handle children? Why’d you bring a second one?”
  – Caleb [14:20]
• “I love them dearly... they were both accidents.”
  – Alice's Partner [14:47]
• “You’re a literal man baby who works a little extra so you can go have fun with your boys and never support her.”
  – Caleb [28:36]
• “You spent $3,500 on uniforms. You spent more in one month on outfits than your kids have saved, ever.”
  – Caleb [52:21]
• Partner on selling guns: “I'm not selling them, because I will never get them back.”
  – Alice’s Partner [58:49]
• “You're white and pasty, so we don't need that.”
  – Caleb to Partner about tissues [60:01]
• “That was one of the craziest statements I've ever heard.”
  – Caleb on the partner wanting Alice to be thankful [60:51]

Emotional Climax

• Alice breaks down in tears (partner still prioritizing collectibles, guns, and hobbies over family)—Caleb and Alice both visibly frustrated.
• Partner consistently minimizes issues, is defensive, references his father’s advice as infallible.

---

9. Financial Analysis (Budget Breakdown)

• Monthly obligations (utilities, insurance, gas, groceries, childcare expenses): Est. $3,587.
• Potential net household income—with theater job: $5,800/month (if both working, including seasonal).
• Theoretically, they could pay off all consumer debt in 1–1.5 years if they stopped overspending.

“There must be something coming in this document that explains why the fuck you guys are at each other's throats, but so far, it's not.”
– Caleb [77:51]

---

10. Host's Final Hammer Score & Recommendations

Hammer Financial Score Breakdown:

• Debt: 2/10
• Family/Safety: 4/10 (has some emergency savings and equity)
• Retirement: 1/10
• Real Estate: 7/10 (good equity, but risky)
• Overall: ~3/10, matches their self-assessment

Caleb’s Recommendations:

• Stop spending on hobby/BS, get joint finances, consolidate debt, and prioritize household/kids over hobbies.
• Strong suggestion to sell guns, partner refuses (“But it's hard!” [59:07])
• Need therapy or serious marital counseling—finances are a symptom of a much deeper relationship dysfunction.
• Immediate home upgrades or moves are foolish—do not increase commitments until core issues/behaviors resolved.

---

Timestamps for Key Segments

• Household introduction and career breakdown: [01:33–07:26]
• Reenactment spending & neglect of family: [08:07, 35:56–40:22]
• Control and not letting Alice leave house: [13:27–14:47]
• Vacation/relationship resentment: [27:00–29:00]
• Tax refund prioritization: [35:55–36:28]
• Major argument over financial transparency: [46:24–52:04]
• Guns vs. family argument—emotional climax: [58:06–60:23]
• Budget breakdown and financial potential: [97:04–99:45]
• Financial Hammer Score: [100:51–101:53]
• Post-show teaser (partner accused of being gay by Alice): [101:53–102:14]

---

In Summary

This episode is a case study in how communication problems, poor emotional support, control issues, and impulse spending can escalate a barely-survivable financial situation into full marital crisis. While the couple isn’t technically “poor” for their area, their toxic dynamic, refusal to prioritize family, and lack of joint financial goals (plus constant overspending on hobbies) keep them in perpetual chaos.

Memorable Moment:

“I don't think I've had more than five hours of sleep in the past two years because I'm the one that gets up with the kids in the middle of the night.”
– Alice [60:45]

Caleb’s core message: “Stop being pathetic, get on the same page, stop overspending, and put your kids first—or this ends in disaster.”

Transcript

[Caleb Hammer]

Introducing Meta glasses. You have questions. They've got answers. Hey, Meta, what's the capital of Peru?

[Alice]

Lima. How do you say where's the restroom in Spanish?

[Caleb Hammer]

Donde esta Alvano?

[Alice]

Hey, Meta, is a hot dog a sandwich? Technically, no.

[Caleb Hammer]

Spiritually, yes. Hey, Meta, what should I do with my life?

[Alice]

That's one of life's biggest questions. What do you think? Ask anything with the new Meta glasses

[Caleb Hammer]

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

[Alice's Partner]

She always throws it on me like it's entirely been my fault, my problem, that I'm the cause. And then all of a sudden, no, I'm talking. Alice doesn't want to talk to me about any problems until they boil over, and then we're sitting there yelling at each other.

[Alice]

Choose those words very carefully next time, or I'm making you walk home.

[Caleb Hammer]

You're a bad father. You're a bad partner.

[Alice's Partner]

At the end of the day, I just wish she was thankful. And stop about everything.

[Alice]

Oh, my God, you got to be.

[Caleb Hammer]

Merry Christmas in July. I'm in a giving mood, even for you naughty ones. Budget, debt, investing, real estate. All of it. 50% off right now. Not sure where you stand. My new and improved Hammer quiz does the dirty work for you. Two minutes and you'll know exactly how naughty or nice your finances look, plus next steps based on your score. Take the quiz, then take advantage of 50% off, and finally, fix your finances for good.

[Alice]

My name is Alice. I am 28 years old, and I'm Qorvo.

[Alice's Partner]

I'm 26 years old. We live in McHenry, Illinois, and this is Financial Audit.

[Caleb Hammer]

No one dresses like that. That is not going to either mash you to school or two flash a bunch of children. It always involves kids in the end. With people like you, though.

[Alice's Partner]

Absolutely.

[Caleb Hammer]

What the are you wearing?

[Alice's Partner]

Oh, so this is a World War II U.S. uniform.

[Caleb Hammer]

Why the are you wearing that?

[Alice's Partner]

Because, you know, reenacting is my hobby. It's my passion, so that's what I'm here to do. Show.

[Caleb Hammer]

That's what you're here to reenact the military on my show?

[Alice's Partner]

100%. That's why you guys got the camouflage behind me.

[Caleb Hammer]

Okay, in which side are you reenacting? Are we killing the Jews? Are we killing the Germans?

[Alice]

All the above.

[Alice's Partner]

Well, all the above. Yeah. Really, it's. I do every side. It's easier to list, like, uniforms I haven't worn from World War II than it is to list the ones I have.

[Caleb Hammer]

Stop asking questions. Stop doing meta commentary. Just have fun. Can I see you stab yourself with a sword out of shame on the Japanese side, like harakiri. Well, we have them here, don't we? Don't we have some. I believe we have those swords.

[Alice's Partner]

Yeah. So.

[Caleb Hammer]

All right, so that would get her off the hook.

[Alice]

Yeah.

[Caleb Hammer]

You're the problem. I don't know if you are, but thanks for coming down. I've just never seen. And then you're wearing, like, a millennial shirt. What are we doing? May spontaneously start talking about falconry. Great. Okay.

[Alice]

I'm a falconer, so.

[Alice's Partner]

Animal lover, through and through with her.

[Alice]

Yeah.

[Caleb Hammer]

You guys are 26, 28. You guys are acting like Elder Millennial.

[Alice's Partner]

Yeah.

[Caleb Hammer]

You guys seen that meme?

[Alice]

No.

[Caleb Hammer]

So you guys. But you're like. That's what you guys dressed up as. Okay, that's okay. Sorry, I. I'm not hating you guys. I'm just noticing it right now. It's just kind of startling as we're getting started. Alice, what do you do for a living up in McHenry, Illinois? Never heard of it.

[Alice]

I am a AP clerk. So I make sure that the company I work for, their bills get paid.

[Caleb Hammer]

That's good. Pretty basic. That'll be AI soon. RIP. Sorry, what do you make?

[Alice]

I make salary. 25,000 a year. It's part time.

[Caleb Hammer]

Ah, okay. I was going to say, I don't think that's necessarily legal. That makes sense. What's your hourly? What's your. How many hours you do? No, no, no, no, no, no, no, no, no, no, no, no. How many hours are you doing a week? It depends in the contract of this salary.

[Alice]

It really does not.

[Caleb Hammer]

Okay, well, it's 25 a year. Right. Flat.

[Alice]

No matter what, I can work five hours a week or I can work 60 hours a week. It really depends. Normal. Normal. Maybe about 20.

[Caleb Hammer]

Okay. Are you happy with that wage? Why are you doing part time at 28?

[Alice]

No.

[Caleb Hammer]

God, please, no, no, no. Oh, you guys have made.

[Alice's Partner]

Yep. We have two.

[Alice]

We have two little rugrats.

[Caleb Hammer]

Okay, very good. Cool. So what are the ages?

[Alice]

Two and six months.

[Alice's Partner]

Two and six months?

[Caleb Hammer]

Yeah. Ah, okay. So you're still able to go blast up that school before they're there?

[Alice's Partner]

100%.

[Caleb Hammer]

I don't think you should be agreeing with that. But of the $25,000 a year, what does that break down to on a monthly paycheck basis?

[Alice]

Let's see.

[Caleb Hammer]

Or bi weekly or whatever the cycle is.

[Alice]

Bi weekly? I get $795.

[Alice's Partner]

Oh, geez.

[Caleb Hammer]

Good. We're in 90s income.

[Alice]

Yep.

[Caleb Hammer]

795 you said?

[Alice]

Yep. Some odd change, Jeff.

[Caleb Hammer]

Okay, 1590. Please, Mr. Corvo, please have a decent income. Cause that's terrifying. I don't know. McHenry. Is this a suburb of Chicago?

[Alice's Partner]

No, it's. It's like Boonyville, basically.

[Caleb Hammer]

Well, that helps with cost of living. What do you do, buddy?

[Alice's Partner]

So I work at a meatpacking plant. I'm the label coordinator there. The most Chicago thing.

[Caleb Hammer]

Coordinate the labels.

[Alice's Partner]

Yes.

[Caleb Hammer]

To coordinate the. Oh, you're not to make money, are you? What do you make?

[Alice's Partner]

1875 an hour.

[Caleb Hammer]

Okay. At least it's not Chicago. It's more rural y Boonieville, as you say. Thank goodness. Cuz that I do not know how we would be surviving. How many hours a week are we?

[Alice's Partner]

So 40 plus, but.

[Caleb Hammer]

40 plus? Well what's the plus?

[Alice's Partner]

The plus is like if they come in the last five minutes and then they're like, oh, hey, there's a US average. So let's just say 42 hours a week.

[Caleb Hammer]

How much longer? Maybe a little better than her job. But how much longer are we going to be relying on humans to do labels?

[Alice's Partner]

Probably not very long.

[Caleb Hammer]

I just, I don't think I've had two people come on this show and have the most like, oh, we're going to be in the next couple of years jobs.

[Alice's Partner]

Oh yeah, this is labels.

[Caleb Hammer]

We're talking about labels. I thought we got rid of humans doing labels, honestly, 20 years ago.

[Alice's Partner]

No, I'm more like also regulatory. So I have to follow USDA guidelines and make sure that the label is in compliance with all that.

[Caleb Hammer]

Oh, don't get me wrong, I'm happy you're doing it. I'm just. I bet that will be read via a camera very soon. And Claude will say, oh yeah, or you're good.

[Alice]

They ask you how you are. You just have to say that you're fine when you're not really fine.

[Caleb Hammer]

I hope not for the sake of you. I'm not cheering for this guys. To be clear. Yeah. I want you guys to have an income. I would rather you have a better income. This is like, it's very scary of what's happening. Okay, so what's your per paycheck and what's that paycheck cycle?

[Alice's Partner]

So it's weekly and it's 750 gross and then about 635 net.

[Caleb Hammer]

Okay, so 1052 divided by 12.

[Alice's Partner]

I also do have a second job to also supplement our income as well because you know, that gets us through. But it doesn't exactly.

[Caleb Hammer]

Yeah. I was gonna say because you're making, like, net $40,000 a year again, for the rural area. Not much. So please tell me, what are your grinds on the outside? Because right now our literal monthly income is 4840. Now, that becomes survivable for. But there again, if we're in Chicago, we'd be struggling. But that. Here comes survival in McHenry. What are these side jobs? Oh, well, you said reenact. Please don't say that's a job.

[Alice]

No.

[Caleb Hammer]

At all.

[Alice's Partner]

I don't get paid for that because no one would. There's actually people that do get paid

[Caleb Hammer]

for a couple people just like anything ever. Yes. There's going to be a couple painters that make a incredible amount of money. Doesn't mean everyone does, but go ahead.

[Alice's Partner]

Yeah. My second job is I work at the McHenry Outdoor Theater. It's one of the only surviving outdoor theaters with, like, the original tower and everything.

[Caleb Hammer]

The original tower.

[Alice's Partner]

So, like the projector, like, where the projector projects the movie? It's the original tower to when the original theater was opened.

[Caleb Hammer]

So people go there for the original tower?

[Alice's Partner]

Well, yeah. Cause we're one of the only ones that's left in the United States who's

[Caleb Hammer]

excited about the tower? Well, who's going there for the tower?

[Alice]

They're more excited for the movie.

[Caleb Hammer]

The brag of the tower.

[Alice's Partner]

They are more excited for the movies, but I get excited for the tower because, you know, it's like, oh, that's the original. To the original. That's awesome.

[Caleb Hammer]

Built in.

[Alice's Partner]

Built in 1967.

[Caleb Hammer]

Okay, so the late 60s. Great historic landmark.

[Alice's Partner]

Yep, absolutely.

[Caleb Hammer]

Okay, great. Okay. And what do you make doing a coordinator? So you tell people where to park?

[Alice's Partner]

Yeah, so I could do parking. I tell people not to add to the population in the parking lot. I find a lot of stuff you probably wouldn't want to touch in the parking lot.

[Caleb Hammer]

Condoms.

[Alice's Partner]

Condoms. Had a couple of times. There was like, a portable pisser that you take on with on camping. And it's literally you piss into the bag and they just threw it out their window. And that was an interesting day. Okay.

[Caleb Hammer]

Okay, good. What do you make? How many hours do you do a week in that?

[Alice's Partner]

So right now it's lower hours because the season is just beginning, but 1650 an hour. And then right now about every two weeks, it's. They're very low paychecks of only like, $75. But we did recently just go to full time.

[Caleb Hammer]

Who's we?

[Alice's Partner]

We as in the staff.

[Caleb Hammer]

What are you going to make.

[Alice's Partner]

So usually 20, 30 hours is what they're going to be talking about for the rest of the season.

[Caleb Hammer]

Okay, well, I mean, that'll definitely boost you guys to a decent place for McHenry, which I assume is, again, a lower cost of living area. Okay, so what's going on, guys?

[Alice]

We are barely surviving. We will.

[Caleb Hammer]

Are you sure it's we? Because I read a note of him saying she needs to get her together.

[Alice's Partner]

Yeah, she does.

[Caleb Hammer]

Is it we or is it you?

[Alice]

I need to get my shit together.

[Caleb Hammer]

Yeah, well, that's what he said coming in.

[Alice]

I don't know what you mean by I need to get my shit together. I put 95% of my paycheck towards bills.

[Alice's Partner]

Yeah, well, I have to work two jobs to make sure that we get through all of it, so I don't even understand why.

[Alice]

Yeah, and you give me 200 bucks per of your paycheck for the house, and I give $600 of my paycheck.

[Alice's Partner]

Yeah.

[Alice]

To the house.

[Alice's Partner]

You know what? Whose fault that is for not talking to me about what we actually need? It's your fault.

[Alice]

My fault? Because I don't talk. Because you're never even home. Because you're off camping with the boys. You're camping with the boys. You're going to Pennsylvania for a reenactment. You're going camping next week after we get home from Texas.

[Alice's Partner]

Yeah, I am. Cause my high school friends were like, hey, we're gonna be hanging out this weekend. You wanna come with us?

[Alice]

Okay. So your kid has a doctor's appointment that I can really use your help with to go and take her to so I can stay home with the toddler.

[Caleb Hammer]

Well, that is why you work part time though, right?

[Alice]

Yeah.

[Caleb Hammer]

Okay. Continue, sir. Sorry. Get it all out, girl. I feel pent up energy here because

[Alice's Partner]

I'm trying to make money so that we're okay and we're surviving and then.

[Caleb Hammer]

Did you camp here?

[Alice's Partner]

No.

[Caleb Hammer]

Why the. Didn't you shower?

[Alice's Partner]

I did shower.

[Alice]

Oh, he is naturally greasy.

[Alice's Partner]

I am naturally greasy. Yeah, it's that Italian in me. Unfortunately, no.

[Caleb Hammer]

No, it is not. Okay, so how often is he going camping away from you guys?

[Alice]

He is home maybe for the weekend. Twice a month. He is, brother.

[Caleb Hammer]

Well, you got young kids. What are you. What are you doing? I'm sorry. Yes, she's part time so she can take care of the kids. That makes sense. I don't think you're working two jobs to take care of the house. I think you're working two jobs so you can go on Your little excursions with the boys? Constantly.

[Alice's Partner]

Well, it does help, but at the

[Caleb Hammer]

same time, like, come on, is that not it?

[Alice]

Yeah, no. You're going off to go hang out with the boys so you don't have to come home and take care of the kids.

[Alice's Partner]

I love taking care of the kids. What are you talking about?

[Alice]

When's the last time you gave any of our kids a bath? Never. You've never given them a bath?

[Caleb Hammer]

He's never taken a bath.

[Alice's Partner]

Yeah, well, to be honest with you, I'm still terrified about giving them a bath, so that's one of the things I get terrified about. Yeah. Cleanliness scares the shit out of me.

[Alice]

Mm. What time does our oldest go to bed?

[Alice's Partner]

Usually? Midnight.

[Caleb Hammer]

No, Wrong again, idiot.

[Alice]

Eleven. What time does the youngest go to bed?

[Alice's Partner]

Usually? Nine or ten.

[Alice]

No, 7:30.

[Caleb Hammer]

Oh, that one was further off.

[Alice's Partner]

That one was a lot off.

[Caleb Hammer]

How are you off on that? I mean, you're at least home then.

[Alice]

He's on video games.

[Alice's Partner]

Yeah.

[Alice]

He comes home, says hi to me and the kids, sits his butt down. I'm gonna put on video games. I'm gonna play War Thunder.

[Alice's Partner]

Yeah, I do play War Thunder and, like, a bunch of other video games.

[Caleb Hammer]

Is it a tank game?

[Alice's Partner]

Yeah, it's like a tank game. You can do tanks, airplanes, stuff like that.

[Caleb Hammer]

Why aren't you contributing to this house outside of the paycheck? Outside of the paycheck. There's more to do. The wife needs a little, you know, help here and there.

[Alice's Partner]

I do. I clean the house. I vacuum. Because you just leave the house a mess.

[Alice]

That's not true.

[Alice's Partner]

Not true. I do vacuum. What are you. You're joking.

[Alice]

Once every two to three months.

[Alice's Partner]

Cause you haven't done it in two weeks. How's that my fault?

[Alice]

You're the one that broke the vacuum last, and you're like, okay, please fix it. Okay, I'll go fix it. Three days later. Can you. Hey, can you fix the vacuum? Yeah, I'll fix it. Three days later. Hey, can you fix the vacuum? Yeah, I'll fix it. It has been six months since the vacuum's been broken.

[Alice's Partner]

You know what? And that's because I have two jobs that I'm working. Let's bring it back to that.

[Alice]

Yeah.

[Caleb Hammer]

One job by the other, another vacuum. I mean, it's money.

[Alice]

It's money that we don't have.

[Caleb Hammer]

But you gotta clean the house, and you can get a cheap vacuum.

[Alice]

Yeah. Facebook Marketplace.

[Alice's Partner]

Facebook Couldn't get a good one, right?

[Alice]

Yeah, but you won't even let me leave the House to go meet up for Facebook Marketplace. You won't even let me go.

[Caleb Hammer]

That doesn't make any sense. You're hanging out with your boys constantly, including on gaming overnight. Why can't she go outside?

[Alice's Partner]

Well, Cause, like, we grew up in that area where there's, like, the Craigslist murders and stuff like that, where they're luring people. So, like, what is any different with Facebook Marketplace, man?

[Caleb Hammer]

We interrupt this program to bring you courage. The Cowardly dog show.

[Alice]

Yeah, he's afraid that if I leave the house with the kids, we're gonna get robbed. Kids stolen and me killed.

[Caleb Hammer]

So you're not allowed to go outside?

[Alice]

No, I can go outside in the backyard and maybe take the kids to the park.

[Caleb Hammer]

That's a little weird, dude.

[Alice's Partner]

Hey, you know what? She also decides not to go out, so that's on her. That's wholly on her. I will tell her, get the hell out of the house. And she'll just be like, oh, no,

[Caleb Hammer]

I don't want to go out of

[Alice's Partner]

the house because I don't want to

[Caleb Hammer]

leave the kids with you.

[Alice's Partner]

Because she'll get emotional.

[Alice]

Yeah, you do.

[Caleb Hammer]

You'll get emotional.

[Alice's Partner]

Yeah, because the kids, sometimes they do overwhelm me a little bit.

[Caleb Hammer]

They don't have kids. What the is wrong with you? Hey, maybe if you weren't on the screens 24 hours a day and doing reenactments, you'd have a little sense of normalcy, and I get overwhelmed by a child. Maybe you need a little actual interaction with them on a consistent basis. You have interaction to prepare you for what it's like to be with them alone. Why'd you father children if you can't handle children? And less than that, why'd you bring a second one? Why'd you bring a second one? And if you couldn't handle the first one?

[Alice's Partner]

To be quite honest, they were both accidents, and I love them dearly.

[Caleb Hammer]

Okay, why are we wearing condoms? Or birth control or snip.

[Alice]

We were wearing condoms for the second one. At least that one ripped.

[Alice's Partner]

Yeah, that one definitely did rip.

[Caleb Hammer]

Okay, but you learned it. You learned that a rip.

[Alice's Partner]

Nonsense.

[Caleb Hammer]

So take a plan B. Yeah.

[Alice]

You didn't even tell me that it ripped.

[Alice's Partner]

Oh, yeah, that's totally wrong. I did tell you.

[Alice]

And then you did not.

[Alice's Partner]

You know, that is.

[Caleb Hammer]

Why would you not tell her? That's crazy.

[Alice's Partner]

I didn't tell her. That's the thing. She's gaslighting me right now, and she's saying that it's my fault, that. That it was. Maybe she just two people involved in that.

[Alice]

90% of the time you think you have conversations. He will start a conversation. In the middle of the conversation I'm like, hold up. What the are you even talking about? Oh, you know, X, Y, Z. And I'm like, well, why didn't you say that in the first place before you started with abc?

[Alice's Partner]

That's how my brain works. I'll think of a solution later to someone.

[Alice]

We're talking mind reader.

[Alice's Partner]

Well, maybe you should be Ashlaw.

[Alice]

I am not a gypsy. I cannot read your mind.

[Alice's Partner]

Maybe you should get a crystal ball then.

[Alice]

Uh huh. Sure. Burn down the whole house.

[Alice's Partner]

Yep. Burn down the whole house. Put it next to the window.

[Alice]

Mm, right? Yeah, sure. Sometimes I feel like burning down the house with all of your shit in it.

[Caleb Hammer]

What does that mean?

[Alice]

We have a what, 12 by 14? Shed has nothing but his reenacting stuff in it.

[Alice's Partner]

No, it's all the back wall. And then the rest of it's shed though, right?

[Caleb Hammer]

It's not in the house.

[Alice]

Yeah, it's not in the house.

[Alice's Partner]

Some of it is in the house. But honestly I moved that stuff out there so it was out of your way so the kids had somewhere to play in that little shit box we have.

[Alice]

Okay, that is fair.

[Caleb Hammer]

But why do you guys live there if you hate it so much? What are you talking about?

[Alice]

Housing market sucks.

[Alice's Partner]

The housing market in Illinois for us is terrible.

[Caleb Hammer]

Do you own this?

[Alice's Partner]

Yes, we do.

[Caleb Hammer]

How'd you buy it?

[Alice]

We were both in really bad situations and we both needed out of the house, right?

[Caleb Hammer]

Rent. What the are you talking about? Why'd you have to buy us?

[Alice's Partner]

You don't wanna rent?

[Caleb Hammer]

Cause we figured if you're in an emergency situation, rent. Don't buy a house that dude, you won't let her outside. How scary is it around this house?

[Alice's Partner]

Not at all minutely, but like at the same time. Like dude, you always hear about these demographic.

[Caleb Hammer]

And what is this McHenry?

[Alice's Partner]

Mainly white.

[Alice]

Huh?

[Alice's Partner]

Wait, you said demographic, right? Well, yes, it's mainly a white neighborhood. So like they. We commit the most crimes, huh? Per capita, right?

[Caleb Hammer]

Per capita, that's what I.

[Alice's Partner]

Or population wise, we commit the most crimes. So that's why I'm terrified sometimes of it or.

[Alice]

Prof. Yeah, well, not perfect stabbing that we get maybe once a year.

[Alice's Partner]

Well, it's also like.

[Caleb Hammer]

Wait, no, no, no. You have to be able to at least let her outside. Like the kids have to go outside.

[Alice's Partner]

No, they're allowed to go outside. Just.

[Caleb Hammer]

She was saying different. Like that's cultural.

[Alice]

I can go Outside in the backyard and like, take pictures.

[Caleb Hammer]

Yeah. I'm saying besides that, like, the kids.

[Alice's Partner]

I tell her take the kids for walks all the time. You know, what ends up happening. She doesn't.

[Caleb Hammer]

Well, you know what if she goes and takes a walk herself and leaves the kids with you? You have an emotional breakdown.

[Alice]

Yeah. And then you're in a mood for the rest of the day.

[Alice's Partner]

Well, you know what? I just gotta get used to it. And I solely am. It's getting better.

[Alice]

Is he.

[Caleb Hammer]

Is he. Because, like, how often can you actually leave the kids with her?

[Alice]

I can't take a shower.

[Caleb Hammer]

That's crazy.

[Alice's Partner]

Yeah, she. Because the kids. My daughter really just goes crazy when she's not in sight.

[Caleb Hammer]

Cause they're, you know. Cause that's how you've trained them. It's 100% mom. Never dad.

[Alice's Partner]

I'm always out of the house working

[Alice]

too, and going to reenactments and going camping and going out for drinks with the boys.

[Caleb Hammer]

Come on. I ain't going out for drinks with her.

[Alice's Partner]

And she doesn't want to do anything

[Caleb Hammer]

where we have to kids. What would she do with them?

[Alice]

Yeah, we're gonna call.

[Caleb Hammer]

No.

[Alice]

We could call.

[Alice's Partner]

We could call my parents. Or we could call your parents.

[Caleb Hammer]

They're more than.

[Alice's Partner]

Well, yes, absolutely.

[Alice]

We didn't have access to my parents until the last. What, three months?

[Alice's Partner]

Well, yeah. And you know what? I'm very thankful for them that they did that. That they're even right now with our kids.

[Caleb Hammer]

Whoa, whoa, whoa. Okay. So they can watch the kids.

[Alice's Partner]

Yes.

[Caleb Hammer]

We should do that even more and more because obviously the kids need some separation.

[Alice's Partner]

Yeah, they do.

[Caleb Hammer]

But also, you need to have some contact with them, you freak.

[Alice's Partner]

I do.

[Caleb Hammer]

Every now. You're a weirdo. You wouldn't even let her go to the grocery store. I'm being read because there was a shooting four towns away.

[Alice's Partner]

Yes.

[Caleb Hammer]

Like, you're a freak, man.

[Alice's Partner]

Ah, no, I'm not a freak.

[Caleb Hammer]

That's freak behavior. They need to be able to live life if. Yeah, but you're. But your helicopter parenting is going to prevent these kids from growing up and any sense of normalcy. They're going to be weirdos. They're going to be like you.

[Alice's Partner]

Oh, yeah, because I'm such a terrible example.

[Caleb Hammer]

Aren't you? You stay away from your family. You can't be around your kids. You don't shower. I would say actually not the best example.

[Alice's Partner]

I would disagree.

[Caleb Hammer]

That's the counter argument, though.

[Alice]

And that's the common argument.

[Caleb Hammer]

Is it? So other people say this?

[Alice]

No. Between us. Because I'm like, you need to stay home every weekend.

[Caleb Hammer]

Howdy, shoppers. Fire up that propane grill and settle in for a new season of Hulu's hit animated series, King of the Hill. Hank and Peggy are staying active in retirement. That's a dog. You will not have to lift a finger. Bobby and Connie hard launch their relationship.

[Alice]

Now that we're dating, it's important your parents know I'm a man.

[Caleb Hammer]

And the alley guys are. Well, they're still the alley guys. Yep. Watch the new season of the Hulu original series, King of the Hill. Now switch streaming on Hulu and Hulu on Disney. For bundled subscribers, terms apply. This has been a paid advertisement because

[Alice]

he's off going to do something. It's like, can you stay home and go take our son outside, go to a park? Okay, yeah, I can do that. And he's back within a half hour.

[Caleb Hammer]

Not just that, but, buddy, if you're going every other weekend with the boys camping somewhere, she at least deserves one weekend where she can.

[Alice's Partner]

And that's what I tell her.

[Caleb Hammer]

Cause you break the down the moment the kids are with you for five seconds.

[Alice's Partner]

And I told her, go, regardless. I could put my headphones on or something so I don't hear it.

[Caleb Hammer]

Your headphones?

[Alice]

Yes.

[Alice's Partner]

So in that way, like, if. If they're, like, just unconsoleable, I can put my headphones on, calm down, and then try to figure out what the issue is.

[Caleb Hammer]

You won't even clean the house. How the is she gonna feel comfortable? She's clean the house. How is she gonna be feel comfortable having, like, a spa weekend somewhere?

[Alice]

Yeah, especially since the one time you got so mad when I was in the hospital, you broke the damn laundry basket.

[Caleb Hammer]

Okay, what happened?

[Alice]

After we gave birth to my daughter, she caused a hematoma on my right kidney, so I was pretty much bleeding internally. And so they wanted to do some monitoring. This was his first night alone with the two kids, and something happened. And you got pissed off and broke the laundry basket.

[Alice's Partner]

Yeah, because I made them dinner, and then he almost burnt himself, so I had to get him out and throw him in front of the oven.

[Caleb Hammer]

Sounds like having kids. Yes.

[Alice]

Yeah.

[Caleb Hammer]

What the. I don't even have them, and I know it. Like, what the F are you talking about? And you couldn't handle that, and you went on a temper tantrum and broke shit.

[Alice's Partner]

Well, to be honest with you, too, that whole situation was emotionally like I was on flight or flight mode. And.

[Caleb Hammer]

Well, I can understand having your wife in the hospital yes, that part could make sense. Does that mean we go into anger burst and we break shit? Come on, buddy.

[Alice's Partner]

It was the only.

[Caleb Hammer]

What is wrong with you? Go jerk off in a corner. Get it out.

[Alice's Partner]

I don't think I've ever angry jerked it off in a corner before, so I don't think that'll work for me.

[Caleb Hammer]

It is a stress reduction, I will tell you that. Better than breaking shit in front of the kids.

[Alice's Partner]

No, the kids weren't in. It was not in front of the kids. They were both in the living room and I closed their bedroom door and then.

[Caleb Hammer]

And then just started breaking laundry baskets.

[Alice's Partner]

No, you're a freak.

[Alice]

Yeah.

[Alice's Partner]

Like you went into the kids room

[Alice]

to break the laundry basket's laundry basket. It wasn't even ours.

[Alice's Partner]

I closed the door and it got hooked on my foot and that was the last straw. And then I took it out in the laundry basket.

[Caleb Hammer]

Okay, so I guess, I think I completely understand her reluctance to leave them with you. Couldn't handle. She said that was their first night ever with them alone.

[Alice's Partner]

Yes.

[Caleb Hammer]

And you couldn't and you were breaking shit. No shit. She's never gonna walk out that house without the kids. Dude, you're a mess. Why even have the kids in the first place if you can't handle it?

[Alice's Partner]

I love them. Okay, that was a complete.

[Caleb Hammer]

You don't know what time they go to bed.

[Alice's Partner]

No, I don't. I don't.

[Caleb Hammer]

And you love them. You're gaming instead of having the time with them. The six year old's. The six month year old is. The six month old is imprinting right now. It's gonna have the same problem the 2 year old has in the end because you're never around.

[Alice's Partner]

Well, I'm trying to do better at that.

[Caleb Hammer]

No, you're not. You're a pathetic father.

[Alice's Partner]

No.

[Caleb Hammer]

From everything I've heard, you disagree. What is it? What do you do?

[Alice's Partner]

Because.

[Caleb Hammer]

Because you work. Yeah. You do the minimum responsibility a man needs to do.

[Alice's Partner]

I do take them out to the park. I do take them on walks. Alone.

[Caleb Hammer]

Alone.

[Alice's Partner]

Yeah, absolutely.

[Alice]

Is this when it's like I need to speed clean the house. Oh.

[Caleb Hammer]

Or when she needs to do a chore.

[Alice]

Yes.

[Caleb Hammer]

Great. It's never to actually just do it for them. It's so that she can actually do

[Alice's Partner]

the things she needs. It's for them. And then she goes, okay, it's gonna be a great time to all of a sudden clean the house. Cause all of a sudden she's like, oh, I have all these things that I could do now. Yeah, that you don't do during the week.

[Alice]

Because I have a child clung to me. I have two children clinging to me

[Alice's Partner]

and they cling to me when I get home too. So I could take the pressure off you. That's what I'm doing.

[Caleb Hammer]

What do you mean? I thought you'd go and play video games. Immediately with you?

[Alice's Partner]

Not all the time. Every once in a while.

[Alice]

The only time our son clings to you, you're sitting on the couch and you decide to sit on your lap and watch tv.

[Alice's Partner]

No, I grab him into my lap and I cuddle him. Cause I haven't seen him.

[Alice]

Cause I'm working two jobs for a whole five minutes.

[Alice's Partner]

A whole five minutes. You know, I'm going from seven in the morning to one in the morning.

[Caleb Hammer]

And how frequently?

[Alice]

Once every three months.

[Alice's Partner]

No.

[Caleb Hammer]

Okay, buddy, what the are you doing? I'm going to be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans and collections, whatever. Your interest rates are different, your payments are different, your life is different. So why do you need some one size fits all solution that treats you like a number? Some generic calculator that spits out just pay more. As if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say good luck. They work to understand your specific scenario and help provide alternative solutions to becoming debt free. Whether you're struggling with credit cards, personal loans, collections or medical bills, PDS debt has customized options designed specifically for you, not your neighbor, not some average case study. You. They've helped hundreds of thousands of people get out of debt. And here's the thing. There's no minimum credit score required. They're not here to judge you. They're not here to shame you. They're here to help you get out and help you save more. Pay off your debt faster and start putting money back in your pocket. This is a company that is A plus rated by the Better Business Bureau, boasts thousands of five star reviews on Google, and holds a five star rating on trustpilot. That legitimately matters. Here's the thing. If I needed help paying off debt, this is exactly, exactly where I'd go for help. You're just 30 seconds away from being debt free with PDS debt. Get your free assessment and find the best option for you right [e-mail] hammer that is pdsdebt.com hammer pdsdebt.com hammer, you suck with money. So you download a budgeting app. You start with the classic one, Ynab, but everyone just deletes it because it's way too complicated to use. So you go to everydollar. That's Dave Ramsey, the personal finance guy, Right. Well, they're gonna force you to use it his way. That's not very personal. Finances. Rocket Money. They got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like dollar wise. Built by these people just like you, for people 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. Great. I'm getting. I'm glad you're sitting down watching Ken Burns and the kid will sit on your laps once.

[Alice's Partner]

No, we watch Bluey, his favorite show.

[Caleb Hammer]

So that's why he's there. Not for you, huh?

[Alice's Partner]

Yeah, probably. Well, I got. I got stuff I gotta work on. Okay.

[Caleb Hammer]

So holiday weekend's coming up.

[Alice]

Going camping.

[Caleb Hammer]

That was.

[Alice's Partner]

Yeah, going camping with my high school friends.

[Caleb Hammer]

Yeah. Holiday weekend instead of, like, taking the family somewhere. You're in Illinois. Go to Lake Michigan. It's the late spring, early summer, beautiful times. Go to. Go to Sleeping Bear Dunes, actually.

[Alice's Partner]

Yeah, that was on the list.

[Caleb Hammer]

Oh, that was on the list. But instead you're going camping with the boys.

[Alice's Partner]

Where?

[Caleb Hammer]

Doing what?

[Alice's Partner]

Wisconsin. And going to shoot guns and stuff like that.

[Caleb Hammer]

What the is wrong with you? You know, you have. I'm not opposed to doing that in general as a concept. Yes. You should have time where you pursue your hobbies and you're with your friends. It wouldn't be healthy if we're all just only with each other all day. And the kids. Okay, I get that. But it's only you experiencing things. You don't take that. When's the last time y' all have gone somewhere?

[Alice]

Here. This was like our first vacation in like three years.

[Alice's Partner]

Yeah, that's first true vacation.

[Caleb Hammer]

Which means it's your first vacation while he's doing something every other week, including this holiday weekend.

[Alice]

Yeah, and this is like my first vacation ever, because whenever I went on vacation with my family growing up, we were confined to the hotel room and that was it.

[Caleb Hammer]

So why is it More important to make memories with the boys instead of your boy and girl.

[Alice's Partner]

Because I do have responsibility with some of this stuff and especially shooting guns in Wisconsin. That one was a last minute. And I said yes before I even realized what I was saying. I will be honest.

[Caleb Hammer]

Oh, shut the up.

[Alice]

Yeah, they literally asked him yesterday.

[Alice's Partner]

They literally asked me yesterday. I said, sure, why not?

[Caleb Hammer]

You didn't consult the wife and mother of your two kids?

[Alice's Partner]

No, I did not.

[Caleb Hammer]

Selfish asshole.

[Alice's Partner]

Yeah, selfish, sure.

[Caleb Hammer]

Is it not?

[Alice's Partner]

I just think it's a normal everyday

[Caleb Hammer]

thing here and there. Sure. But if she. If this is her first vacation in years, especially since having the kids. It's a holiday weekend. Haven't done anything. And she's doing this to come on a show where she's, you know, getting financial resources. Like, it's sure holiday, but it's also a mission here. We're doing shit that's uncomfortable to fix the household. So how in the pre interview, how in the world are you opening the conversation with the producers of she needs to get her shit together, where everything I just learned is that you are a literal man baby who works a little extra so you can go have fun with your boys and never support her, the mother of your children. How the are you saying that?

[Alice's Partner]

I'm always supporting her? Because, you know, every time I get home, it's always help.

[Caleb Hammer]

I thought it was game.

[Alice's Partner]

No, that's not the priority.

[Caleb Hammer]

Give me percentage. Give me like, okay, it's Monday through Friday. How many of those days does he gets gaming the moment he gets home?

[Alice]

I would say about 90. There is some time where he'll ask 90%.

[Alice's Partner]

That's bullshit.

[Alice]

Yeah. Because there are some time. Okay. Even if. Let's, let's, let's humor you. Shush. Let's humor you. Okay. You come home, hey, babe, what needs to be done in the house? Hey, can you do dishes? I hate dishes.

[Alice's Partner]

So then I'll go clean the cat box instead. That's how that works.

[Alice]

Yeah. It takes you three to six business days to do something after I asked you to do it. And it's the cat pan. The cats come and nag you to change it.

[Alice's Partner]

Yeah. And I clean it. It's clean.

[Alice]

Yeah. Usually two days later.

[Alice's Partner]

Oh, no.

[Alice]

Or I'll ask you, hey, do the dishes. Okay. I'll do the dishes before I go to bed. Okay, cool. Hey, I'm tired. I'm going to bed. I'll do them tomorrow morning before work.

[Alice's Partner]

Okay, I've done that. Yes, I will give you that.

[Alice]

Hey, I, I'm Tired. I'll do them when I go to bed. Okay, cool. And then it cycles and cycles and

[Caleb Hammer]

cycles without being there. I don't know who's saying who's right, but, I mean, instinctually, I have a feeling it's Hershey at least has more examples to back it up. And again, you're going out this weekend. You. You don't deny any of that, so. No, I just. I have a feeling she's right.

[Alice]

I'm sick of. I applied because I'm sick of being told that I am the problem.

[Caleb Hammer]

You applied?

[Alice]

Yeah, I'm the one that applied.

[Caleb Hammer]

Why'd you open the conversations with the producers that she's the problem?

[Alice's Partner]

Cause anytime there's an issue and then all of a sudden, I'm left in the dark about it, she always throws it on me like it's entirely been my fault, my problem, that I'm the cause. And then all of a sudden, no, I'm talking. You sit there and say, I'm the problem all the time, but then all of a sudden, it's something that could have been talked about weeks ago because, oh, guess what? Alice doesn't want to talk to me about any problems until they boil over. And then we're sitting there yelling at each other over finances because, guess what?

[Alice]

You're never home, so there's no way for me to talk to you.

[Alice's Partner]

Text would be great.

[Alice]

Oh, yeah. Like, you check your phone, you text the boys before you text me.

[Alice's Partner]

Bullshit. Anytime I get a text from you, I always hit reply, and you know what ends up happening? They're so dependent on what I do at work that, oh, hey, guess what? I can't look at my phone for four, five hours because someone up the labels, and now all productions shut down.

[Alice]

Yeah, texting at work and not texting at work, I can get. Not a lot of people let you be on your phone during work.

[Alice's Partner]

No, they don't.

[Alice]

We had it with when we worked together at the theater and the gun store and everywhere else. No, do not text on your phone. Okay, cool. It's policy. But when you are going out to the bar, I do not hear from you. When you're going out camping, I do not hear from you. And yet all the time when you're at home, you're playing video games and looking at your phone, texting the boys. It's always the boys over your wife and kids. Why? It ain't shit I should like to schmuck you.

[Caleb Hammer]

Schmuck.

[Alice]

Schmuck.

[Alice's Partner]

Yeah, she's her. She's fluent.

[Caleb Hammer]

I'M you is German dress in World War II. This is. We got some little concern. All White town.

[Alice's Partner]

Any like that,

[Caleb Hammer]

huh? So you're saying she bottles up and

[Alice's Partner]

she bottles up, and then it.

[Caleb Hammer]

I think we're witnessing that here.

[Alice's Partner]

Yeah. Then this is.

[Caleb Hammer]

I mean, honestly, this is a platform to get it off your chest. So I. I'm not blaming for that. I'm not even criticizing you for that. But, I mean, it's not. Okay. So how do these financial conversations go then, at the house?

[Alice]

They don't. Because he's never home to talk about it. And when I'm like, since I put all of my money in for the house, I don't have enough money to pay my own bills. And he's always.

[Caleb Hammer]

You guys married?

[Alice's Partner]

Yes, we are.

[Alice]

We have our own bills and then our joint bills. Like my phone bill, he doesn't pay.

[Caleb Hammer]

Why aren't you on a joint plan for phones?

[Alice]

He's still under his.

[Alice's Partner]

Because my.

[Caleb Hammer]

Really our child. Okay, so. But when they do happen, because he says they happen, it just bottles up. You're saying it doesn't happen. But when they do happen, how do they go? I need a little insight.

[Alice's Partner]

So usually it's like, hey, how. I will ask her. Like, we'll be sitting down, spending time with the kids, and then I'll ask her, hey, how's it going with finances? Do you need any extra money this month for your bills? For our house bills? And she goes, no, it's okay. I got it. So she completely glazes over the whole thing. And then we gotta deal with the fallout two, three weeks down the road. Hey, I need three, $400 here because I totally forgot to tell you about any of these extra expenses.

[Alice]

I don't ask you for any other money.

[Alice's Partner]

You do.

[Alice]

I do not ask you for more money.

[Alice's Partner]

You do. You liar.

[Alice]

The only time I ask you for money is, hey, can you put some more extra, more than $200 into our house bill?

[Alice's Partner]

And I gladly do it, and I will gladly give you $1,000. But the problem is you don't let me know. Because guess what? You're buying all the groceries for the kids. Cause you're home again. I'm out working.

[Caleb Hammer]

Called you a liar. I mean, that's a pretty heavy thing to just throw around. What do you mean she's lying?

[Alice's Partner]

She lies about not asking me for money. Cause anytime she needs money, she asks me for money, and then I give it to her literally within seconds. And then guess what?

[Alice]

You moan about not having enough to buy a new Firearm or an m. Whatever pack or a new coat or.

[Alice's Partner]

Then I don't. And then I save up for it, and then I wait, and then I get it when I can.

[Alice]

You spontaneously buy. You buy shit in your sleep.

[Alice's Partner]

I do buy. I did buy shit in my sleep. Once.

[Alice]

Multiple times.

[Alice's Partner]

Once.

[Alice]

Multiple times.

[Alice's Partner]

No, you're. No, no.

[Alice]

Once.

[Caleb Hammer]

What the are we talking about?

[Alice]

He'll buy stuff in his sleep. He'll have something up on his phone and he'll fall asleep and he'll wake up and then he'll buy it and he'll go back to sleep.

[Alice's Partner]

I've also called the cops in my sleep.

[Alice]

I think everyone's done that before by accident.

[Alice's Partner]

Yeah, I've definitely snapped out. 911.

[Caleb Hammer]

Nope. Getting everyone saying no. What the are you guys talking about? You guys are insane. I have no idea what you're talking about. I mean, you guys are going out to eat hundreds of dollars, miscellaneous hundreds of dollars, other large purchases and unknown things. Almost a thousand dollars. So you guys are spending a ton of money. Who are we saying's fault is that? Like, it's all like ton of money on like 40% of our spending the eating out.

[Alice's Partner]

Oh, no.

[Caleb Hammer]

All bullshit combined. Who are we saying who's full is? So it's all you.

[Alice's Partner]

Why spend when I have.

[Caleb Hammer]

Well, you don't make that much money, buddy. You're working a lot of hours and a lot of jobs to bring in. Not that much for the amount of time you're doing it.

[Alice]

I mean, he spent all of our tax refund before we even got it.

[Caleb Hammer]

On what?

[Alice]

Reenacting.

[Caleb Hammer]

Dude, what the are you doing? Do your kids not matter to you?

[Alice's Partner]

They do matter to me.

[Caleb Hammer]

Well, then why the. Listen, you got a nice big check because of the child tax credit, thanks to moi. You're welcome. We're funding you. You guys are net contributors. You're part of the lower 50% that contributes 1%. Okay, that's fine. That is how it is. We're progressive. That's good. Not complaining. Kind of a little. But either way. And then you take it and it's meant for you to support your kids and you spend it on reenacting. What the are we doing?

[Alice]

Especially since medical bills come out of reenacting.

[Alice's Partner]

Medical bills do come out of reenacting a lot because it is okay.

[Caleb Hammer]

You're not a war hero.

[Alice's Partner]

No, not at all.

[Caleb Hammer]

Stop. What is this reenacting? What did you spend the money on?

[Alice]

Rental cars to go out to events? Cause you refuse to drive our brand new car.

[Alice's Partner]

Why the would I drive our car when all of a sudden we're putting more money into mileage, oil change, stuff like that. And if anything breaks down, then I gotta hear, oh, hey, your brand new car that I was driving now all of a sudden doesn't work because the transmission blew. The engine blew. Yeah, so then we could dump more

[Alice]

money into that 900 on a rental car to drive out.

[Caleb Hammer]

Okay, that's just a rental car, not the equipment. And.

[Alice's Partner]

No, that's uniforms. I already own all that, so. But it could be.

[Caleb Hammer]

So what did you spend the refund on?

[Alice's Partner]

So more uniforms and stuff, what you just said.

[Caleb Hammer]

No, you didn't, because you already have that. You. So, hey, I built the refunds just came. Not even refunds.

[Alice's Partner]

Subsidies, Uniforms. I buy more uniforms. Stuff that I've been looking at. And then all the insignia, all the equipment, stuff like that. The helmet.

[Caleb Hammer]

How much did you spend with this refund?

[Alice's Partner]

3,500. Oh, you.

[Alice]

Yeah, we got 5,000.

[Alice's Partner]

Yeah, we got. We did get 5,000.

[Caleb Hammer]

Literally, we are giving it to you as a society for the sake of your children. Take that. Put in a. What is it? A 403B. Am I blanking on the actual right name? Put it on that. Put it in the Trump accounts, Put it in those, Let it grow. What are you doing? That's for the sake of your kids.

[Alice]

Yeah, we actually opened up Trump accounts for our kids.

[Caleb Hammer]

There you go. It's easy, it's free.

[Alice]

And our son, he's over the age limit to get like a grand put in already. Yeah, that's fine. And so my aunt is giving us 1,000 for him.

[Alice's Partner]

You didn't even tell me that. That's brand new. Why didn't you say that?

[Caleb Hammer]

Why are you freaking out about that?

[Alice's Partner]

No. Cause it's kind of embarrassing when her family gets to. Gets. Does that stuff.

[Caleb Hammer]

You should be embarrassed. You spent 3, 500 on outfits instead of in your kid's Trump account. Which, by the way, I would. Is it for 3p. Am I forgetting? I always mix it up with 2. I always mix that one up. And like, public safety.

[Alice]

Oy. V. What a mess.

[Alice's Partner]

Yeah, you know what? Talk about a mess.

[Caleb Hammer]

And then all of a sudden 529.

[Alice's Partner]

And then all of a sudden you sit there and all the stuff.

[Caleb Hammer]

I actually shut the cup. Why not put it in 529 for the sake of your kids? That's what we're giving you money for. Or sure, in the trump accounts. Whatever. 529 is a little better because it's. It's more Tax beneficial. But it has to be spent for school. But either way, whatever.

[Alice]

Yeah, it would be nice to be able to go and apply for those things, but I can't when I have.

[Caleb Hammer]

Well, either way. No, I'm just saying put the money towards it. Instead of outfits like that. Like. You look like a freak.

[Alice's Partner]

I think I look good.

[Caleb Hammer]

No,

[Alice's Partner]

totally. I'm totally unopinionated.

[Caleb Hammer]

Nope,

[Alice's Partner]

I. I spend it on it because I like the hobby and I. Very good.

[Alice]

You don't like your kids obsessed with the hobby? No, I mean every single conversation. Reenacting, reenacting.

[Caleb Hammer]

That's fine. Have a hobby. That's okay. But don't prioritize it over your kid. I have a hobby, too. No, my hobby is right now, Rust. And I have spent a lot of money on it, but guess what? Not over my kids. I don't have any, so I can do it. But you. What is this, 35? First of all, I haven't spent 3500 on a hobby. Not that I can think of. What are you doing? Maybe fish tanks, but.

[Alice's Partner]

So, like, anytime you get a uniform together, I get it.

[Caleb Hammer]

But you're choosing over your kid. I don't need the breakdown. I understand it costs money to do a hobby. I'm not complaining about that part. I'm complaining that you're putting it over your kids. And you haven't been able to even apologize for that. Defend it, have an opinion on it. You immediately just say, well, uniforms are this you. You're putting it all over your kid, you pathetic worm.

[Alice]

He has 32 pairs of shoes.

[Alice's Partner]

Yeah.

[Caleb Hammer]

Hey, what are you doing?

[Alice's Partner]

I actually downsized that, so, yeah.

[Alice]

Bullshit.

[Alice's Partner]

No.

[Alice]

Yeah. I was opening up bins in the shed to get ready for our garage sales. Shoes, shoes, shoes. You're worse than a bitch.

[Caleb Hammer]

What's a bimbo bitch?

[Alice]

Someone that, like, they have, like, 6,000 pairs of heels.

[Caleb Hammer]

I feel like you German freaks are just trying to create your own version of post Holocaust.

[Alice's Partner]

No.

[Caleb Hammer]

All the pairs of shoes stacking up on each other.

[Alice's Partner]

We absolutely despise those type of people. Those are the most disgusting people.

[Alice]

Yeah, they try to buy our side.

[Caleb Hammer]

No one speaks like that unless they're really trying to defend against something.

[Alice's Partner]

Trying to defend?

[Caleb Hammer]

What accusations do you have?

[Alice's Partner]

I have accusations against other reenactors that are, like, absolutely terrible people. Like, against them? Yeah. 100% against you.

[Caleb Hammer]

No, there's no reason someone would come out that defensive against something. I don't need to defend that. I am anti Holocaust because that's just a given. I've Never heard someone so immediately have to go so hardcore anti Holocaust.

[Alice's Partner]

Well, because, let's be honest, you put on a uniform, you equip yourself with the stereotypes that are associated with it, and then that other brother.

[Caleb Hammer]

Nobody takes you people seriously. You people take you people seriously.

[Alice's Partner]

That's probable. But I'm gonna disagree because there's definitely people in this hobby I don't take serious. Not at all.

[Caleb Hammer]

No. But no one cares from the outside, so you don't have to defend your German collection. You got. You almost got the H. Comb over,

[Alice]

old man.

[Alice's Partner]

No, it's just. It's just a regular haircut.

[Alice]

It's the Hitler Youth haircut.

[Alice's Partner]

Hitler Youth haircut.

[Alice]

That's what your mom calls it?

[Alice's Partner]

Yeah, that's. That's.

[Caleb Hammer]

She's not wrong.

[Alice's Partner]

That's what my mom always calls any haircut I get.

[Caleb Hammer]

You're living in his perfect McHenry community.

[Alice's Partner]

No, I actually like my living the dream. I like all my neighbors.

[Caleb Hammer]

No, exactly. That's what I'm saying. I think he would, too.

[Alice's Partner]

No, he wouldn't. Because a lot of our neighbors would have been. Would have been on that list. I would have been on. We would have been on that list that he would have exterminated.

[Caleb Hammer]

So why Polish what part? He kept many polls alive.

[Alice's Partner]

Not all of them.

[Caleb Hammer]

Not all? Yeah. What's the part that wasn't.

[Alice's Partner]

The part that wasn't was.

[Caleb Hammer]

I see all's nose. Yeah, they could be on the list.

[Alice's Partner]

That's fair. But they were ethnically cleansing Eastern Europe as well. Not just of Jews.

[Caleb Hammer]

Oh, okay.

[Alice]

And then I'm Jewish. Well, I'm not Jewish, but my family's Jewish.

[Alice's Partner]

Yeah,

[Caleb Hammer]

okay. Okay. I still. He hasn't even once said why he won't put it to his kids over his Hitler Youth outfits.

[Alice]

Cause he doesn't want to grow up.

[Caleb Hammer]

That's kind of pathetic. As a husband, why won't you grow up?

[Alice's Partner]

Well. Cause the one thing I was told in my life is that my.

[Caleb Hammer]

You respect him as a man, as a husband.

[Alice]

In a way. He does have his perks.

[Caleb Hammer]

What's the perks? He works.

[Alice]

Yeah, he works.

[Caleb Hammer]

Glad he works. But he's working for his hobbies, not for you guys. The tax refund went to his hobbies, not you guys. But sorry. Go ahead.

[Alice]

For as paranoid as he is, it does come in handy sometimes. We did have someone attempt to break into our house, and he took the necessary procedures to.

[Caleb Hammer]

Well, this is why he's so afraid of everything.

[Alice]

Yeah.

[Alice's Partner]

Okay.

[Caleb Hammer]

Well, at least there's a freezing. Cause you Were acting like a freak. What was the necessary procedures? You acting like it's a military operation.

[Alice's Partner]

The last thing you want to do is ever go out and try to use force on stuff like that. So we turned on lights around the house to let them know we were there. And then we called police. We called the police and stuff like that. Evacuated into Got all the family together into one room. So we knew if something did happen.

[Caleb Hammer]

Okay, okay. I was expecting something a little more manly, but that's okay. I guess if that's what you got to get a respect then that's great.

[Alice]

He is a very. If you're in trouble when it's outside of the house, he will come and help you. We've opened our couch to.

[Caleb Hammer]

No, go ahead.

[Alice]

We've opened our couch to a whole bunch of his friends that needed a place to stay. Going off to reenactments. His buddies are just as bad.

[Caleb Hammer]

Uh huh. So I continue.

[Alice]

Yeah. And then he does contribute a lot to.

[Caleb Hammer]

Just so continue please.

[Alice]

I'm sorry, I can't.

[Caleb Hammer]

I just wanted to. I wanted to finish the look.

[Alice]

It's during 9ishkanish.

[Caleb Hammer]

Oh, but I'm finished the look.

[Alice]

You look good.

[Alice's Partner]

Does it look good for anyone in

[Caleb Hammer]

his life that sees this? I did that. He did not do that.

[Alice]

Thankfully he can't grow facial hair.

[Alice's Partner]

Yeah.

[Alice]

But he does try to help. We do have a homeless boy population and so.

[Caleb Hammer]

And make Henry four people.

[Alice]

Yes.

[Caleb Hammer]

Yeah, okay, whatever. It doesn't matter. I just need you to step up for the sake of your kids. I'm glad you protected in the home invasion. You need to step up for the sake of the kids.

[Alice's Partner]

Yeah, I will be doing that now

[Alice]

get that off your lip.

[Alice's Partner]

Stupid as I think you got it. Got it.

[Caleb Hammer]

Yeah, I did. Dry erase, not sharpie.

[Alice's Partner]

Thank you.

[Caleb Hammer]

Yes. I'm still thoughtful even in my bits of making someone look like an online. Okay, so in the conversation that happens again because we're having the conversation now we're about to get into the finances. So I just want to understand one more time. So you guys go into a financial conversation. Who. Who brings up the topic?

[Alice]

Usually I do.

[Caleb Hammer]

Okay, so what do you bring up? What's like a recent example of a financial conversation?

[Alice]

Recently our son had a fall. Busted his nose open. He freaked out, was like we're taking him to the hospital. Took him to the hospital. We got a hospital bill for that. And I'm like great, we have a hospital bill. We need to pay this. He goes, okay, cool. How much is it? It's $128 or whatever. He goes, okay, cool. And I'm like, you're very nonchalant about having to pay more bills that we could have avoided.

[Caleb Hammer]

How could you avoid it? I think that was pretty important to take the kid to the hospital.

[Alice]

Cause it wasn't like a broken nose. It was just. He fell.

[Caleb Hammer]

How do you know, though? I mean, depending on how scary it is, I might have taken the kid too.

[Alice]

When you break your nose, you get pretty fast bruising around certain areas of your nose and other.

[Caleb Hammer]

Were you saying, don't go to the hospital?

[Alice's Partner]

Yeah, yeah, she was saying, don't go to the hospital. I'm like, no, he needs to go because he fell from like my knee height. I'm a tall person and he's.

[Alice]

Your son's a tall person.

[Caleb Hammer]

I mean, I would have been anxious and take the kid for sense of clearance, acted fine. Well, sure, but the. How old was he?

[Alice's Partner]

He was about. Yeah, just.

[Caleb Hammer]

I mean, I would have. I mean, why not get the clear?

[Alice's Partner]

That's what I said and that's why I took him.

[Caleb Hammer]

That I understand $120 isn't fun, but you guys could actually fit that in your budget.

[Alice]

You could.

[Caleb Hammer]

For the sake of the kid being

[Alice]

a lie, why take him to the hospital and pay more money than he could have just stopped inside the doctor's office.

[Alice's Partner]

If you knew any. If you remember anything that what we talked about instead of just saying what you are. I took him to the care clinic because we're like, okay, it's not serious, but he should definitely get checked out. They denied me because they denied our insurance. So then I went to the hospital to make sure that our son was okay.

[Alice]

Why didn't you walk literally 20ft to his doctor's office?

[Alice's Partner]

Because he needed to be seen immediately. Not in three, four hours in a walk in clinic.

[Alice]

I really doubt that his nosebleed was bad enough that he was gonna drown in the blood.

[Alice's Partner]

Well, I took him to make sure that he was okay. And if you have agreements with that, that's on you.

[Alice]

I'm glad that our son is fine, but it was unnecessary hospital visit.

[Caleb Hammer]

Let's be honest, the cost of living right now is absolutely insane. But if you are out here leaning on credit cards just to buy your groceries and fill up your gas tank, you are literally paying a survival tax and high interest debt just to exist. Look, if you're a homeowner, my friends at American Financing actually have a way to get you out of this bs. They are helping people tap into their home Equity to pay off high interest debt. American Financing is saving their customers an average of $800 a month. That is a much needed financial reset. There are zero upfront fees to find out what you could save. And you're talking to a salary based mortgage consultant. Meaning they aren't some pushy salesperson. Priceline negotiator. It's me, the Priceline negotiator.

[Alice's Partner]

We don't need the jingle twice.

[Caleb Hammer]

What about a third time?

[Alice's Partner]

Stop it. This is about vacation inflation and how Priceline negotiates amazing deals on hotels, flights and rental cars.

[Caleb Hammer]

Seems like they decided.

[Alice's Partner]

Yeah, but I didn't mention that you can save up to 60% off hotels in the Priceline app.

[Caleb Hammer]

Time to read the timeline.

[Alice's Partner]

Fine. No one deals more deals than Please stop touching day. Priceline.

[Caleb Hammer]

They actually want to help. And if you start today you may delay two mortgage payments. American Financing America's home for home loans and get your life together today. 866-574-2500 that's 866-574-2500 or american financing.net Hammer Merry Christmas in July. Ya jolly. To celebrate I'm giving you math master your budget master your debt master your investing and master your real estate. All of it 50% off. I've worked with a team of experts to build the best courses on the planet. Create a budget that gives every dollar a job so you never miss a cent. Get out of the endless minimum payment prison and take control of your money. Learn how to actually invest without losing your ass or your savings. Getting into real estate, I'll help you. You avoid the money pit and get more profit. And if you're unsure where you stand, shame on you. But you're in luck. My newly revamped Hammer quiz. In just two minutes you'll know just how naughty or nice your finances look. And if you've taken it before, look out for some new and huge improvements. Oh and I have a special surprise for anyone who takes the quiz. Click the link in the description to learn more. Take the quiz, take advantage of of 50% off. And finally UN finances for good. I think it was maybe but I would rather learn that afterwards. Right. Yeah, I, I kind of. I mean I'm against you for not taking them. I'm kind of on your side for. Yeah, he could have gone to the primary care. I don't think it was like emergency

[Alice]

room level but you know primary care were fully covered.

[Caleb Hammer]

Yeah but also dollars shouldn't make it break. You guys really shouldn't again. I mean going out to you spent almost $400. $120 being taken off or going out to eat budget for that month for the sake of our kid is not much of a sacrifice.

[Alice's Partner]

It's not.

[Alice]

I will say that the going out to eat was during the month that I was in the hospital, so I couldn't really cook.

[Caleb Hammer]

Okay. It doesn't explain the other thousand plus on bullshit. So even still no go yourself. It doesn't make sense. If you guys are complaining about not making enough money, why are you working the second job? Because you don't make enough money or to fund your hobbies or both.

[Alice's Partner]

I'll be honest. Both.

[Caleb Hammer]

Yeah, exactly.

[Alice's Partner]

But you're definitely. And also do it.

[Caleb Hammer]

How much is in your kid's savings account?

[Alice]

Let's see. I gotta think about that. Our son has almost two grand from you guys.

[Caleb Hammer]

Not family.

[Alice]

Yeah, two grand. And then our daughter has. Cause. Let's see. We started when she was born. She has about 800 bucks.

[Caleb Hammer]

Okay, so you spent more in one month on your reacting reenactment gear than they have in their entire savings. Do you not see how pathetically selfish that is? Do you not see that that's pathetic? You're a father.

[Alice]

And then plus, whenever we do get some sort of barrier amount, you have to do something like dislocate your shoulder. Get shot. You have to.

[Alice's Partner]

That's something that I can't.

[Alice]

Straighten your ankle.

[Alice's Partner]

That's something I can't control when I get injured.

[Alice]

Reenactment.

[Caleb Hammer]

Don't do it. Yes, it is.

[Alice's Partner]

No, the tendon was when I was working for the USPS and we went down the lakefront. I got shot on the job and then.

[Caleb Hammer]

At usps?

[Alice's Partner]

No, we worked at a gun shop together.

[Caleb Hammer]

Yeah, I guess that's a place you would get shot. Who shot you?

[Alice's Partner]

Technically, myself.

[Caleb Hammer]

Oh, you.

[Alice]

So that.

[Caleb Hammer]

What the is wrong with you? Why'd you shoot yourself?

[Alice's Partner]

So we had a collection of guns that was brought in.

[Caleb Hammer]

You really are living that Hitler dream, aren't you?

[Alice's Partner]

Yeah. I wish it was my head instead of my knee sometimes too. But let's see that. When I got that brought in.

[Caleb Hammer]

She didn't like that?

[Alice]

No. Choose those words very carefully next time or I'm making you walk home.

[Caleb Hammer]

What the. You're kind of sometimes like a scary witch.

[Alice's Partner]

That's why I said she needed a crystal ball earlier.

[Caleb Hammer]

I think he was just making a joke. Like, it wasn't a good joke or anything, but it was just like.

[Alice]

Like.

[Caleb Hammer]

Why do you have salt?

[Alice]

I have a heart condition. And if my heart Tries to stop this. Kind of jolts it back into place, I guess.

[Caleb Hammer]

What the. Yeah, because you have like medicine instead of salt.

[Alice]

No, my. My doctor doesn't care.

[Alice's Partner]

Yeah, every time.

[Caleb Hammer]

Well, you need a new doctor.

[Alice]

Yeah, they were supposed to do a bunch more tests, and then I got pregnant and they refused to do tests.

[Caleb Hammer]

Okay, well, it's been six months since then, so go.

[Alice]

Yeah, that's what I'm working on. After working on.

[Caleb Hammer]

Girl, you're carrying around salt.

[Alice]

Yeah, go to the hospital. I tried to make an appointment.

[Caleb Hammer]

That's why you're so angry at nothing.

[Alice]

Yeah, yeah. I'm the most pent up rage because he's never home and never able to help.

[Caleb Hammer]

Well, I do get that plan and I'm on your side for that, but I mean, you just kind of freaked out like a crazy.

[Alice]

Yeah, because I have a whole bunch of medical stuff going on. And the doc. I'll be going to the doctor, the doctor for my heart. And they go, okay, tell me about your spine. That's an interesting story. And it's like, I'm here for my heart.

[Caleb Hammer]

Go to a different one. I don't know, like, what are we doing? Okay, so you shot yourself?

[Alice's Partner]

Yes.

[Caleb Hammer]

Freak.

[Alice's Partner]

Where? It was through leg. It was through my leg?

[Caleb Hammer]

Yes.

[Alice's Partner]

How so? It was a little shitty.22 pistol. And it was the last gun in the collection. And they were bringing in. They had the guns in the store for like 48 hours. And then they were pulling live ammunition. And then I grabbed this one, rack the slide back, looked down in the magazine, look in the chamber. It was clear. And then. But because there was no follower, the little piece of metal that comes up in the magazine to feed the rounds, it wasn't present. So I'm like, oh, it's broken. 22. And then when I racked the slide back and let it go, the follower popped up. Put a round in the chamber, and then the whole firing pin assembly came out of the gun. So I just pressed it back into place and it went.

[Caleb Hammer]

How was it pointed at your leg?

[Alice's Partner]

Just.

[Caleb Hammer]

What was the safety not on?

[Alice's Partner]

So it didn't have one. It's a. It's a 20. It's a.

[Caleb Hammer]

Why is it pointed at your leg?

[Alice's Partner]

Because when I put the pressure down to put the. Push the firing pin assembly back into place, my finger not on the trigger, it tilted down and it aimed for my leg.

[Caleb Hammer]

Okay, your fault. Not really having sympathy, but you always get an injured doing reenactment.

[Alice's Partner]

Yes. My most major injury was from reenacting when I was 19.

[Caleb Hammer]

This is not expensive for you guys. Guys, his injuries from his hobby. Dude, this hobby owns everything.

[Alice]

It racks up.

[Alice's Partner]

It does rack up sometimes. Yes, like this.

[Caleb Hammer]

It's not fair.

[Alice's Partner]

But we haven't had fair to your.

[Caleb Hammer]

Again, the savings is. It's nothing. Dude, you're someone's IRA. Has like 900 in it. I don't see another one. So it's like, what are we doing? You guys are dramatically behind on investing. Your kids are gonna have to pause their lives in their early adulthood to take care of their parents that chose hobbies over actual retirement. That's not fair. This is pathetic. They didn't choose to come into the world.

[Alice's Partner]

It is frustrating.

[Caleb Hammer]

It is.

[Alice]

It's very frustrating.

[Caleb Hammer]

Yeah. I'd be an obnoxious too. Yeah. No, you're horrible to be with. And you're scary to be with. I wouldn't want to be on any part of this relationship.

[Alice's Partner]

Match made in heaven or hell, I guess, whatever you want to describe it.

[Caleb Hammer]

I don't know, but maybe I wouldn't breed. Okay, so you get permission for the things he buys at least once in a while.

[Alice]

And you give it once in a while.

[Caleb Hammer]

Okay. What's once in a while? Like 10% of the purchase. 15.

[Alice]

20. 10%.

[Caleb Hammer]

Okay. The other 90. Why are you just doing them without consulting the wife, the mother of children?

[Alice's Partner]

I'm super impulsive with a lot of this stuff.

[Caleb Hammer]

It's good as a father and partner.

[Alice's Partner]

Yeah.

[Alice]

So paying fours. Really?

[Alice's Partner]

Yeah, I'm a paying for whore when it comes to that type of stuff. It'll go on sale and I'll instantly open it.

[Caleb Hammer]

But you already know it's a problem. So why continue to do it when they have no savings? You have no savings? You're being a pathetic.

[Alice's Partner]

Because I had money in my bank account and I just. I could easily more afford it with

[Caleb Hammer]

more than you work like this makes no sense. Literally, spending was $4,310.12 when 3261 came in. You spent almost a thousand more. No, you spent over a thousand more. 1100 more you guys brought in. That's debt. That's debt. What are you talking about? You don't have money in your account. What are you talking about? This is pathetic. Yeah, I bet you have collectibles, don't you?

[Alice's Partner]

No, actually I use all the stuff

[Alice]

in Reina helmets on the top of the tv.

[Alice's Partner]

Name one that doesn't have a uniform and equivalent.

[Caleb Hammer]

You have guns. You're a gun guy.

[Alice's Partner]

Yes, I do have guns.

[Caleb Hammer]

Okay.

[Alice's Partner]

What's your guns worth 40,000 at least.

[Caleb Hammer]

Our debt is less than 40,000. Sell them. You're out of debt. No, but how do you care about your own shit?

[Alice's Partner]

Your family?

[Caleb Hammer]

You are such a bad person. Yeah, you're a bad person. Listen. Yes. You love your guns. I love some things I have too. I would never take them over my kids if I had them. Never. I wouldn't take them over my dogs. I wouldn't take them over my girl. I wouldn't take them over anything.

[Alice's Partner]

The fact of the matter is, I'm not selling them because I will never get them back.

[Caleb Hammer]

It doesn't matter. You'll never get your kids back either. And their life is in danger because you don't have a fully funded emergency fund. They're not being taken care of, and you don't have retirement. And you're being pathetic. They matter more than your guns. Your guns are cool. They matter more.

[Alice's Partner]

The kids matter more than my guns. But it'll be hard to sell. It'll be hard.

[Caleb Hammer]

My kids are a butt. My kids are my guns.

[Alice's Partner]

Butt.

[Caleb Hammer]

No, you'll be able to. If they're worth 40, you can sell them. Yes. And you're in the community. And if I'm not mistaken, has he sold guns before? Has he sold guns before?

[Alice]

Like maybe two.

[Caleb Hammer]

Has he bought guns back? Yeah, there you go. You've bought guns back that you've sold before. Look at her. Look. Even the witch is crying. Even the witch is crying because you're literally choosing guns over her. And the Mark wants to give you dry paper towels. Thank you, Mark. I think we should do tissues, though, instead. Thoughtful, thoughtful man. Oh, dry paper towel it is. Never mind. Thank you, Mark. There we go. We love Mark W. Mark.

[Alice]

Different flavors.

[Caleb Hammer]

Yeah, use those, though. Those will hurt you.

[Alice]

You're.

[Caleb Hammer]

You're white and pasty, so we don't need that. The thing is, buddy, how the. She's crying. Rightfully. So the fact that you are choosing guns over her and the kids. Selfish. You're selfish in every instance of your life. From the things you do. This is her first trip anyway. Like, what the is wrong with you? You're a bad father. You're a bad partner.

[Alice's Partner]

Oh, at the end of the day, I just wish she was thankful and stop about everything.

[Alice]

Oh, my God. You gotta be kidding me.

[Caleb Hammer]

Crazy.

[Alice]

You gotta be kidding me.

[Alice's Partner]

Out of all the things that I do actually do, you know you always nitpick the stuff that I don't do.

[Alice]

Yeah. Cause it needs to be done.

[Alice's Partner]

No, I'll do it.

[Alice]

I don't think I've had more than five hours of sleep in the past two years. Cause I'm the one that gets up with the kids in the middle of the night.

[Alice's Partner]

Cause you.

[Caleb Hammer]

That was one of the craziest statements I've ever heard anyone say on the show. What the. I called out your shit. And you say, she's just that. What the is wrong with you?

[Alice]

You work, you come home, you say hi, and sometimes you don't even do that. You just go to bed because you're pissed off.

[Alice's Partner]

Yeah. Could you imagine, like, all the stuff.

[Alice]

Video games. You'll come home, you'll play video games. Oh, my gosh, I'm horrible at this game. I keep dying. I'm going to bed and then I've got to turn off your Xbox. I've got to get the controller.

[Caleb Hammer]

You don't even turn off your own Xbox?

[Alice's Partner]

No. How are you when I got that pissed? Yeah.

[Caleb Hammer]

For someone that games that much and looks like you. How are you so bad?

[Alice's Partner]

Definitely not my number one hobby, that's for sure.

[Caleb Hammer]

I'm not that good making her turn off the Xbox. Dude, you suck. Fucking. You suck.

[Alice's Partner]

I do suck at video games.

[Caleb Hammer]

No, you suck.

[Alice]

How about Fear Me?

[Alice's Partner]

Oh, you made that joke and then I took it too far.

[Alice]

So at least you admit.

[Caleb Hammer]

Yeah, at least you admit you took it too far.

[Alice's Partner]

Yes, I did take that joke a little too far at times. Where I'll just go, at times.

[Caleb Hammer]

Wouldn't you know after the first time, it's too far.

[Alice's Partner]

No, I. Like, I have to razz her sometimes. Cause she always gets razzing me.

[Alice]

Sometimes it's funny, sometimes it's appropriate. Other times I am holding a screaming child while cooking dinner and the cat is puking on the floor.

[Caleb Hammer]

That wouldn't be the best time.

[Alice's Partner]

No, that would not be the best time.

[Caleb Hammer]

Why do you do it then?

[Alice's Partner]

I did it maybe once. Okay, you know what? I will say I did it once to you. And then I. And I. When was the last time I did anything like that back?

[Alice]

Let's see, what's today? The 16th?

[Alice's Partner]

Yes.

[Alice]

So about three and a half weeks ago, I just brought our oldest home from the doctors. You came home, you beat us home. So you didn't come with us to the doctors at that one time, Right?

[Alice's Partner]

Cause I was working.

[Alice]

Yeah, and so you sat down and playing video games. We walked in. Hey, since you're at the fridge, beer me.

[Alice's Partner]

Yeah, I did do that.

[Alice]

That is convenient. But I also had a sleeping child in my arms and another crane one in the back.

[Caleb Hammer]

Hallway.

[Alice]

Okay.

[Alice's Partner]

And I went to help.

[Caleb Hammer]

How long have you guys been together?

[Alice's Partner]

Since 20. 20.

[Alice]

20. 20.

[Caleb Hammer]

Oh, the COVID relationship.

[Alice]

Yeah.

[Alice's Partner]

Yes.

[Caleb Hammer]

Yikes. Okay, yeah, we're seeing the outcomes of that now. Come on. Cool. So you'll. You'll sell your guns and get eyes at today.

[Alice's Partner]

I'll find one to sell and go from there. The most expensive. The most expensive and collectible ones you

[Caleb Hammer]

can get out of it today. We wouldn't even need to have the rest of this conversation. Except we do. Because your behavior will get you back here again if you don't fix it. But even still, what the. Okay, what do you guys think your financial score is? 0. 10. 0 being the worst, 10 being the best as a household.

[Alice]

When I took the quiz on your website thingy, it said 3.8 or something.

[Alice's Partner]

I was about to say mine came back is a three. Two.

[Alice]

It feels like a two.

[Caleb Hammer]

Well, we'll see. We'll see. Listen, if you watch your Amber financial score, it is free. Go to calebhammer.com, take the assessment. See where you stand in the world of money. Where you're doing poorly, where you're doing great, and where you need. What you need to do to do well at money. And if you don't want to be like a guest who ends up on the show, make sure you download the dialysis budgeting app. It is great. Tens of thousands of monthly active users for a reason. Most people take the annual version after the trial because it saves almost 50%. And you get my 30 day budget meal plan side by me mailed directly to you. Plus the digital version of the cookbook. You guys get that? And the digital version of the cookbook. Dollarwise.com calebhammer.com yeah, I gotta take a piss time. So why the do I see owing mom $7,000? Whose mom?

[Alice]

My mom. Why? We had to get a new roof or.

[Caleb Hammer]

Okay, so like I said, why the. You're like, I don't want to throw money into renting. Why rush into the home ownership when you guys are not financially ready? You guys are young. You didn't have to. In a town that you might not even want to say because there's obviously no opportunities. And not only that, but look at the consequences. Well, at the house, without an emergency fund. Bullshit. You have a fully funded emergency fund.

[Alice]

Yeah.

[Caleb Hammer]

You should have been able to afford the roof. What the happens?

[Alice's Partner]

We fell for.

[Alice]

You fell for the flip.

[Alice's Partner]

No, because you fell for it too. You were right there with me, the

[Alice]

whole process for the middle ground. The middle ground was like an $8,000 roof. You went with the 12.

[Alice's Partner]

Well, because you know what? The warranty with the roof passes on to the next owner. Because we planned a moving roof.

[Alice]

Yes. And we did not get a new roof.

[Caleb Hammer]

See, this is home ownership. Why did you have to own a home? Obsession. Obsession with people. You weren't in a place, it was an emergency move out, you didn't need to buy.

[Alice]

Well, probably because renting in our area is about what, 1200amonth. Our mortgage is 600.

[Alice's Partner]

Yes.

[Caleb Hammer]

And then you have a $12,000 roof or whatever the.

[Alice's Partner]

From Felco Delco.

[Caleb Hammer]

At least the landlord takes care of all the other shit. And no offense, I mean, I'm taking a look. It literally, literally looks like a shed with the color and everything.

[Alice]

It is. It's 700 square feet.

[Caleb Hammer]

Why the you bought a 700 square feet house, you're gonna sell that again? Good luck, dude.

[Alice]

You'd be surprised because our community is trending into old folks community.

[Alice's Partner]

It is great. They're all moving in.

[Caleb Hammer]

That's good. They're all moving in. It's a place that I want to invest in.

[Alice]

Yeah.

[Caleb Hammer]

Places where people die. So $7,000. Are you on a minimum monthly payment with. With mother.

[Alice's Partner]

So the agreement was that when we sold the house it would come.

[Caleb Hammer]

Oh, for sake. And when are we selling the house?

[Alice]

We're working on getting it ready for the market.

[Alice's Partner]

Yeah. Hopefully in the next year.

[Caleb Hammer]

And I see the house that you're interested in.

[Alice]

Yeah. And we do have a financial plan for it because it has an apartment built above the garage.

[Alice's Partner]

So we could offset whatever mortgage is left over after we sell.

[Alice]

Rented out.

[Caleb Hammer]

Surprisingly like the same price. Why is it in a shitty area? It must be.

[Alice's Partner]

It's in Indiana.

[Caleb Hammer]

It's in Indiana.

[Alice]

It's in Indiana.

[Caleb Hammer]

Why would you. Okay.

[Alice]

In the middle of nowhere.

[Caleb Hammer]

Why again, why do we go to a place with no opportunity?

[Alice's Partner]

We like the quiet countryside more.

[Caleb Hammer]

It doesn't matter. You need an opportunity for the kids. You need income, you need schools, you need good things. We're almost quiet. You can get quiet in anywhere.

[Alice]

We're almost. My brother is disabled and lives in a home and that is close by the home.

[Alice's Partner]

Yeah. So if anything, I'm sure you could

[Caleb Hammer]

be in a place that's relatively close. That's okay. Dude. It's 555 people live in that town. What are you gonna do for work? You need to have a job, guy. What are we doing? Come on. What's our income plan there?

[Alice's Partner]

The income plan was. Because right now I'm in college.

[Caleb Hammer]

You are?

[Alice's Partner]

Yes.

[Caleb Hammer]

Doing what?

[Alice's Partner]

To get my associates to be a history teacher. Illinois is like really desperate for teachers. So, like.

[Caleb Hammer]

Well, good thing you're moving away from Illinois.

[Alice's Partner]

Oh, it's right over the border. So I could commute.

[Caleb Hammer]

Where's the nearest town? How close is the nearest school? Decent school. Because you're gonna get small town pay.

[Alice's Partner]

35, 40 minutes.

[Alice]

Yeah.

[Alice's Partner]

So it's what I'm. It's the commute that I'm doing right now to work at the Meatball Good Death.

[Caleb Hammer]

And that's if that school hires you. You're kind of banking it all on one. You're not in an area that has a lot of schools really banking on literally one building hiring you. That's risky as. I don't like that. You're not going to make much, especially for a long time. Especially in that area, in that kind of school district. Lower property taxes. And what are you going to do?

[Alice]

Well, my part time. I work from home and the. So my boss is my mom.

[Caleb Hammer]

Oh my goodness.

[Alice]

She works for the same company.

[Caleb Hammer]

Okay, I'll get you a course. Career certification. Many people in the audience have converted those into six figure paying jobs, either at their current job or getting a new job. You should check that out. Yeah, big discount for my audience, but I'll get you it for free.

[Alice]

Yeah, because my mom's planning on retiring soon and I'm supposed to take over her job.

[Caleb Hammer]

This is just. It makes no sense to me, guys. This is just such a mess. And borrowing from mother like, mom, we need a new roof. Please give it to us. Why didn't you finance it with the roofers? Why didn't we get a personal loan? Why didn't we do anything like that? Like we literally have. Well, I wouldn't want you guys to because you guys are up. But we have like personal loans and like loans for this kind of. We have all the financial services that anyone can need@caleb hammer.com. we have that. Why'd you guys go to mother? It complicates relationships so hard.

[Alice's Partner]

She actually, she approached us with the idea and then we were already on a payment plan.

[Caleb Hammer]

How'd she find out? Okay, so she saw the debt and she was like, let me.

[Alice]

Yeah, because.

[Alice's Partner]

Yeah.

[Caleb Hammer]

Oh, my goodness. You have another one to your mom.

[Alice's Partner]

Yeah.

[Caleb Hammer]

4,500. For what?

[Alice]

We bought her car.

[Alice's Partner]

We bought her car from her.

[Caleb Hammer]

What you owe to us. You didn't even buy the car from her. You got fucking it. You. You lended it out. You got leveraged up. Yes, you don't even have. So $500 a month, correct?

[Alice]

Yes.

[Caleb Hammer]

Oh, my goodness. Are you actually making the $500 a

[Alice's Partner]

month payment every month?

[Caleb Hammer]

So what happened here? What's the car?

[Alice]

It is a. Is it a Kia Seltos?

[Alice's Partner]

Kia Seltos? Yes.

[Caleb Hammer]

It's our brand new car that you're talking about.

[Alice's Partner]

Yeah.

[Caleb Hammer]

Okay, so it's not a brand new car. Well, it's just new to you.

[Alice]

It's new to us except for 20. 20.

[Caleb Hammer]

Okay, well, that's pretty good. You got it on the cheap. Yeah, well, what the. Why do you owe 4,500 on it when it's worth 18,000?

[Alice]

Cause we bought it for 11 and we used.

[Caleb Hammer]

We paid it down that much. Zero percent, that's why.

[Alice]

Yeah, because we bought it directly from her.

[Caleb Hammer]

So zero percent though?

[Alice]

Yeah.

[Alice's Partner]

Yes.

[Caleb Hammer]

Okay, well, you got a good deal on that. I'll be honest.

[Alice]

Yeah. Because I originally had a two door tiny ass car and could not fit the kids car seats in it.

[Caleb Hammer]

So if you're getting the blessings of like, like two halfway decent loans from the parent, one you don't even have to pay on one. That's zero percent that you've already had a great equity position and you have a great equity position in the car. How the art. Why are you guys fighting so much about finances?

[Alice's Partner]

Well, because I.

[Caleb Hammer]

What is wrong?

[Alice's Partner]

I'll be honest with you too. If I'm gonna be making sacrifices. She needs to sell her car too.

[Alice]

I'm not selling my car.

[Alice's Partner]

Yeah, I think you should.

[Alice]

No, I use that daily.

[Alice's Partner]

Yeah, and we can get something cheaper.

[Alice]

Oh, yeah. Are we gonna do the same thing where I would drive you to work?

[Caleb Hammer]

Guys, this wasn't my fucking question. I work in a car.

[Alice]

Then use your car for the day. And then alter my day and nap time and stuff like that. Pile the kids in the car and come pick you up after work.

[Caleb Hammer]

Absolutely. This wasn't my question.

[Alice]

No, I'm answering him.

[Caleb Hammer]

What are you guys fighting on if it's not even like. I don't even understand. These two debts aren't even horrible. You're lucky that you got them from mother. What are we fighting on financially?

[Alice]

We're barely scraping by. We barely. In our.

[Caleb Hammer]

How.

[Alice]

Because he keeps spending it all before we even get it.

[Alice's Partner]

And you keep spending it too, so.

[Alice]

On groceries.

[Alice's Partner]

Yeah, on groceries. And then you'll come home and you'll buy like have Starbucks coffee in your hand or cookies in your hand, shit like that. Once. Once, like once every two, three days. Okay.

[Alice]

Yeah, that's Once you from passing out because of the sugar.

[Caleb Hammer]

You have sugar at home. Yeah, but so don't need Starbucks sugar specifically to not pass out sugary when

[Alice's Partner]

I'm out and about. So why not go back to packing sugar?

[Caleb Hammer]

What the are you talking about?

[Alice's Partner]

Why don't we make those Pillsbury cookies like that I like a lot. Then that way, you know, you literally

[Caleb Hammer]

take a sugar cube, pack a sugar cube.

[Alice]

Oh, a sugar cube.

[Caleb Hammer]

You don't need an $8 Starbucks to not pass out. Have a sugar cube. Like a horse.

[Alice]

Yeah. Yeah, I'm a horse now. Yeah, thanks. I'm a horse. Go from a witch to a horse.

[Caleb Hammer]

What? No, I didn't even say you look like a horse. I'm just saying have a sugar cube.

[Alice's Partner]

No, somebody said you act like a

[Caleb Hammer]

witch, but you can eat a sugar cube like a horse.

[Alice]

Yeah, yeah, I guess so. Whatever.

[Caleb Hammer]

Yeah. If you can't afford the Star Bees, do it. If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear them. Recently, a jury ordered Meta and YouTube to pay millions for their role in designing and promoting addictive platforms. They knew their apps could contribute to anxiety, depression and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now Morgan and Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000. Ladies and gentlemen, I got something new to help you that we have personally built. Right here on caleb hammer.com we have three new Caleb Hammer financial resources. They are the ones I would personally use, which is why we made them for you to use. As you've already heard me talk about, personal loans are okay when you're good at debt. I personally use them when I can leverage them for a situation. So we have good personal loans on calebhammer.com we also have have auto insurance. Now you can check for free and see if you can save a shit ton of money on auto insurance. And then to close it off for now, because we're building more, we have a debt relief program. You've seen how hard it is for people to get out of debt on this show. This makes it so much easier, but only if you're actually ready to change. Remember, none of this actually matters if you continue the same bad behavior. So it's not for you if you still suck, but if you've proved you can. Budget check out these three programs from personal loans to debt relief to car insurance. To see if you can save a shit ton of money across the board, go to calebhammer.com or the Caleb Hammer Financial resources part of the pinned comment or description below.

[Alice]

Yeah, it'll keep me from passing out I guess enough if I have a hurt thingy. Mabobber. But still at least like it to taste good.

[Caleb Hammer]

Well, that would be good too. But can you afford it? No. So make something at home that you take out and about with you.

[Alice]

We don't have enough room to have like a coffee maker or anything. We barely have enough coffee maker.

[Caleb Hammer]

A coffee maker.

[Alice's Partner]

We don't need a coffee maker.

[Alice]

Yeah, you're the one that owns. Was looking on Amazon. What was it last night for?

[Alice's Partner]

Keurig.

[Caleb Hammer]

Yes. Get a coffee maker. Get a. Guys, get a coffee maker. You can get a coffee maker. Like this big single pot. Like single cup.

[Alice]

We don't even have enough countertop for a microwave.

[Alice's Partner]

Yeah, we have to put it in the bottom.

[Caleb Hammer]

This coffee maker's like the size of like a third of a microwave. What are you guys talking about? Guys, this is like seriously like this big. It's a single cup thing. It's tiny.

[Alice's Partner]

That's what I. Yeah, like the whole trip.

[Caleb Hammer]

Yes.

[Alice's Partner]

That I was like looking at last night. Like.

[Alice]

No, you were looking at the fancy Keurigs where you had the little cups and you put them on the cup.

[Caleb Hammer]

Guys, you are not going and getting Starbucks if you are barely scraping by. Starbucks is not an option. Make that make sense to me.

[Alice]

Okay, I will cut down on the Starbucks and maybe I'll get a candy bar instead since it's a once in a while thing where I'm about to pass out with the kids.

[Caleb Hammer]

Listen, this is sugar free, so this doesn't necessarily work. But that same excuse stands though. You're not going out and buying coffee. You're making it home. You're not going out and buying energy drinks you're making at home. That's gamer subs. It's more delicious. I promise. We blind taste it and it really is. Get your free samples. Link in the description below code Caleb to figure out what flavor you like. Then get Your gamer subs at $0.40 a serving after our discount code as well. Link in the description below. Make your energy drinks at home. That does not have sugar. So you do need to do something sugar. But put some sugar cubes in there or something. I don't know. But make your coffee at home. Guys. It's like this and then gamer subs is literally this. So it's like, shut the up. There's no excuse excuses. You're not going out and getting. If we're barely scraping by, you can go out and get bullshit, but not if you're barely scraping by. But also, I, I, I'm sorry. There is a, like, level here also, for what it's worth, like, yes, you should not be getting Starbucks a few times a week. Okay, probably in your situation. But that's not comparable to you dropping $3,500 on on this kind of shit. Like, that's not even comparable. Having a $40,000 gun collection. This is not a comparable thing here. Like, what the. You're obviously far beyond a few starbies a week, you freak.

[Alice]

He's even trying to get me something, and I'm like, no, I don't want it. And he's like, well, I'm gonna get it for you anyway at some point. And I'm like, I don't want it.

[Alice's Partner]

And I try my best.

[Alice]

It's something that he's like, oh, I'm gonna do this for it. I'm gonna do that for it. It's more for your.

[Alice's Partner]

No, it's not for me. Put it undermine because you will not buy anything for yourself. So if the burden falls on me.

[Alice]

You just said that I don't buy anything for myself, but I am the problem.

[Alice's Partner]

Yeah, you are, because you don't even get stuff that's necessary for life for yourself. That I have to go out and buy groceries. Dude, she, she gets groceries from our joint account, but her personal account, she won't spend anything on her.

[Alice]

I have enough. I saved like a hundred dollars from my paycheck. My phone bill is $101.

[Alice's Partner]

And how come you don't ask me for help with any of that when I literally have said, hey, if you have any upcoming bills, I have three, four hundred dollars that we can get ahead on stuff with. And you know what ends up not happening? We don't get ahead because you keep

[Alice]

spending it on reenacting stuff.

[Alice's Partner]

But how is that my fault? When I literally say, hey, if you need money, why isn't it there?

[Caleb Hammer]

Oh, my God.

[Alice]

Because you don't have it because you spent it all on reenacting stuff. Stuff.

[Caleb Hammer]

I've seen people fight who are in dire situations, but you guys shouldn't even be in a dire situation. There must be something coming in this document that explains why the you guys are at each other's throats, but so far it's not. This medical bill is big. It's a $15,687.75. Okay, but it's not accruing interest or anything. Why aren't you on a payment plan?

[Alice's Partner]

Because that was when I got shot at the gun shop and your fault.

[Caleb Hammer]

Don't care.

[Alice's Partner]

Well, it was on the clock regardless. And that it was supposed to be taken care of.

[Caleb Hammer]

But it wasn't, was it?

[Alice's Partner]

No, it wasn't.

[Caleb Hammer]

I don't care. Then get on a payment plan, you freak. Why? Your credit. If you want to get a new house, this might go to collections and your credit. Yes, it could. You literally are thinking about getting a new house right now. And also don't get a new house. Guys, rent, please. Rent. If you guys are barely scraping by, how are we talking about getting a mortgage? Sell the house. Take the windfall if you have it. Pay off the debts if you change your behavior and start your life. Get a house when you can. When you have a fully funded emergency fund. Why are we talking about getting in a house again already so quick? You can't learn your lesson. You couldn't afford living in the current house you live in now.

[Alice]

Cause we've outgrown the house that we live in now.

[Caleb Hammer]

So why didn't she get work to this comp?

[Alice's Partner]

Because the owner fought it and threatened me with legal action if it went through fault.

[Caleb Hammer]

He must have have been in the right then.

[Alice]

No, he was not.

[Caleb Hammer]

Then fight it.

[Alice]

I don't.

[Alice's Partner]

I don't care.

[Caleb Hammer]

Because if you win, you'll have to pay for your legal fees.

[Alice's Partner]

Yeah, I was about to say, if

[Caleb Hammer]

you are 100% right, then absolutely. Go. Go for it.

[Alice]

We can't find a lawyer that will take the case.

[Alice's Partner]

Yes.

[Caleb Hammer]

Well, then you must not be in the right.

[Alice's Partner]

But I don't know how I'm not in the right when. Yes, it happened on the job. And then also at the same time,

[Caleb Hammer]

if lawyers aren't willing to take it on, buddy, I mean, they go for the w. They go for the win.

[Alice]

Yeah, the owner said that he was gonna pay for it. Without a doubt that he was gonna

[Caleb Hammer]

pay for it and then shot yourself like a dumbass.

[Alice's Partner]

No, then he just completely. Anytime I would give him a bill that he said he would cover, it would take him four or five weeks. And then on top of the four or five weeks, he would. He would hem. And haw.

[Caleb Hammer]

Why are you not on a minimum payment on this dude?

[Alice's Partner]

Because every time I try to get an Aetna to like even just run it through my insurance to run that price down and then we'll just hang up the phone on it. They say it's workman's comp. And then it gets sent back to the, the former business that I worked for, and then they send it back to Aetna and they, they, they keep sending it back. So it's constantly in limbo to actually.

[Caleb Hammer]

So why you're just gonna allow it to go to collections?

[Alice's Partner]

Yeah, until that situation is gonna cure

[Caleb Hammer]

credit when you want to get a new house makes this make sense. Like. Yes, that sucks. I have sympathy for it. I, I wish it wasn't like that. But why yourself, cuz? Why let the consequence of this fall on your.

[Alice]

Because his old boss said I'd pay for it. I agree. He's trying to hold it to him.

[Caleb Hammer]

I agree. I'm on your side with this. I agree. But the consequence is he's not gonna face any of the consequences. You will. By allowing this to go to collections. I would rather get it on a minimum payment and then try to fight it.

[Alice's Partner]

To me it's more of like trying to snuff him.

[Caleb Hammer]

Which would be $1,308 a month. Which essentially eats almost your entire pay, by the way. Yeah, so I mean, that would be crazy. I mean, I, I, I'm on your site. I don't like it if, if it is accurately under workman's comp. I'd rather do that. Talk to some lawyers, some big town lawyers. See what you can get, man. See what you can get.

[Alice's Partner]

Yeah, that's sounds like a good plan.

[Alice]

So that way neighbor even gave you a business card for a lawyer.

[Alice's Partner]

And I left two voicemails and two emails there when, when this was still fresh.

[Caleb Hammer]

When?

[Alice]

A couple months ago.

[Alice's Partner]

A couple months ago.

[Caleb Hammer]

You haven't followed up? Come on.

[Alice]

If he doesn't get results, he loses interest.

[Caleb Hammer]

Discover. Okay, well this is actually here, this is what I would. This is what actually kind of concerns me, honestly. $2,308.47. Listen, okay, it's a balance. It's a balance you could probably pay off. But the thing is, you make amendment with your payment towards it, then you spend hundreds of dollars on it. Make that make sense. Well, interest is accruing. Well, you can't even come close to paying it off. Why the are we spending money on it and having that balance go up? Now the minimum, minimum depayment's higher. 56 bucks. Why the are you guys spending on this? Who's spending on it? Whose car? What are you doing, woman?

[Alice]

I had a dental that I Put on there. And then I had to get a new license plate.

[Caleb Hammer]

It was the license plate. But why are we putting it on a credit card?

[Alice's Partner]

Because we.

[Alice]

I don't have enough money to.

[Caleb Hammer]

But he does.

[Alice's Partner]

And that's.

[Caleb Hammer]

Wouldn't we be joined. Why put it on something that is accruing interest that you can't put more than the minimum towards it. Hey, guess what? This takes nine years if you only make minimum payments, which is what you do and you don't spend on it, which you are incapable of. So this is gonna take 18 years, 30 years. It's gonna take forever.

[Alice]

Yeah, I don't even have enough money to make the monthly payment on that.

[Caleb Hammer]

Why is it me? My, his, yours. Like what? The guys have everything go in and out of the joint. We're one. Come on.

[Alice]

That's what I want. But he grew up other ways, had a very.

[Alice's Partner]

My parents had a rocky relationship, so

[Caleb Hammer]

I don't give a. Do you want you to? Cause you will and you are.

[Alice's Partner]

It was working until it didn't.

[Caleb Hammer]

What?

[Alice]

Because his dad told him, you make sure you have your own account and then you have your own account.

[Caleb Hammer]

You can have your own account on the side, but everything goes in and out of the joint.

[Alice's Partner]

Joint.

[Caleb Hammer]

Then if there's like some spending you want on the side, have it go from there from the joint. But bills in income come from joint and into joint. Well, I don't think that goes against your dad's advice and your dad's anyway, so don't listen to him. Is he. Is he rich now?

[Alice's Partner]

He is, yes.

[Caleb Hammer]

Okay, well, then maybe he would give

[Alice's Partner]

some money at least, like middle class.

[Caleb Hammer]

That's fine. Does he have a lot of dad?

[Alice's Partner]

No.

[Caleb Hammer]

Okay, maybe he's worth listening to and he doesn't. That wasn't necessarily the wrong advice, but your interpretation of it was incorrect. Everything goes and comes from joint. You can have your own account on the side.

[Alice]

Got it?

[Alice's Partner]

Well, got it.

[Alice]

Yeah. I like to see it. Will I see it? No, I don't think so.

[Caleb Hammer]

Why? Why don't you think you'll see it?

[Alice]

Because he's too set in his ways. He looks up to his dad. There's nothing wrong with that. But his dad's word is law to him.

[Alice's Partner]

It can be. Yes. Especially when he gives solid advice. I do have a wife and I do listen to her.

[Caleb Hammer]

But you gotta make things work with you guys. You can't just be daddy's boy for your entire life forever.

[Alice's Partner]

We do try to make things work, but then she hides stuff like we haven't touched any of your hobbies yet.

[Alice]

My hobbies that I spend like $10 a month.

[Alice's Partner]

$5,000 for a camera. How about that?

[Alice]

Yeah. How about all the five years ago?

[Alice's Partner]

How about all the leather working tools?

[Caleb Hammer]

Oh, why are you bringing up things five years ago? That's weird.

[Alice]

I haven't bought it.

[Caleb Hammer]

Trying to cancel someone for something.

[Alice's Partner]

They sent you SD cards for it like last year.

[Alice]

Oh, yeah. 20 bucks for SD card also.

[Caleb Hammer]

You bought it.

[Alice's Partner]

I did buy it, yes.

[Caleb Hammer]

You're complaining that you bought.

[Alice's Partner]

Well, because she doesn't. She won't tell me anything else she likes, so I have to completely guess.

[Alice]

I am very hard to Christmas shop for.

[Alice's Partner]

She's terrible at Christmas.

[Caleb Hammer]

Okay, then don't shop for anything. She's. Learn a lesson.

[Alice]

Yeah.

[Alice's Partner]

All right.

[Alice]

I don't need anything. And yet you're so. I want to give you this. I want to give you that. I'm going to do this. I'm going to do that.

[Alice's Partner]

And I do do it for you. And then now you're about that now, too. And I try to go out of my way to make sure you have stuff that you actually get to enjoy.

[Alice]

Things I appreciate.

[Alice's Partner]

Doesn't sound like it.

[Alice]

I appreciate you wanting to spoil me. There's nothing wrong with wanting to spoil your spouse. But when I say no, thank you, you go ahead and do it anyway. I had a mental breakdown because I asked for flowers for my birthday and he refused to give me flowers.

[Caleb Hammer]

How long did you get her flowers?

[Alice]

All I wanted was flowers. That's all I asked.

[Caleb Hammer]

Mental breakdown. What does that look like?

[Alice's Partner]

Have I given.

[Alice]

It was just crying fit.

[Alice's Partner]

It was like. And that was also like three, four years ago.

[Caleb Hammer]

Did you tell you you were having a mental breakdown because you cried at not getting flowers? Because I think that's kind of fair. Because you're a woman. You're a little crazy.

[Alice]

Yeah.

[Alice's Partner]

It was three, four years ago, and ever since then she's gotten flowers for her birthday, Valentine's Day, and then other occasions.

[Alice]

She does finally give me flowers now, but it took me crying and having a big issue because all I asked for was flowers and once I wanted

[Caleb Hammer]

flowers and he's getting flowers and just major events like where's the love? Or what. How is Yalls relationship?

[Alice]

We. We. We have a good relationship when it's like something else going on, like taking the finances out of the room.

[Caleb Hammer]

But isn't it everything? Because finances will always be in the relationship. The kids will for a very long time be in a relationship. Finances are always you Always have a bill to pay. You'll always have income.

[Alice's Partner]

Yeah.

[Caleb Hammer]

Job switching. So what do you. Is that not impactful? How often you guys.

[Alice's Partner]

A lot.

[Caleb Hammer]

Okay, that's good.

[Alice's Partner]

A lot.

[Caleb Hammer]

Are we safe this time?

[Alice]

I have my tubes tied.

[Alice's Partner]

She snipped.

[Alice]

I can't get pregnant.

[Caleb Hammer]

Thank goodness. Okay, no more crap.

[Alice's Partner]

That's good.

[Caleb Hammer]

That's better than most couples on the show. But if you think finances aren't gonna play a major role through the rest

[Alice]

of time, like, finances does play a major role. But it will. But when, like, finances aside, and when we're having a good day, we have

[Caleb Hammer]

what constitutes good day. Bad day, though.

[Alice's Partner]

She will say it's my mood.

[Alice]

Yes. Depending on it is his mood.

[Alice's Partner]

And then it's usually the other way

[Caleb Hammer]

around, by the way.

[Alice's Partner]

It's usually the woman and she.

[Caleb Hammer]

You're the woman. You're a bottom.

[Alice's Partner]

No, definitely not.

[Caleb Hammer]

Huh? Because it'll be yalls day. Comes down to your mood. You're a little pussy.

[Alice's Partner]

It. Her mood does also affect me. Like, if she's in a bad mood,

[Alice]

we mirror each other.

[Alice's Partner]

Unfortunately. We mirror each other. We.

[Caleb Hammer]

Yeah, but is she ever in a bad mood or is she only in a bad mood when you're in a bad mood?

[Alice's Partner]

She is in her own bad moods all the time. Absolutely.

[Caleb Hammer]

Very much disagrees.

[Alice's Partner]

Yeah, of course she would.

[Alice]

You are the leading mood.

[Caleb Hammer]

No. Why are you in such a bad mood? Oh, the label is wrong.

[Alice's Partner]

Or like, USDA came down on us for like, like something.

[Caleb Hammer]

So just do your job, dude. I don't understand.

[Alice's Partner]

I do.

[Caleb Hammer]

It's not even like, impacting your life.

[Alice]

His issue is stupid coworkers, stupid drivers or something.

[Caleb Hammer]

Stupid drivers? Everyone interacts with stupid drivers every day. How do you allow that to affect your home life?

[Alice's Partner]

I hate traffic.

[Caleb Hammer]

Everyone does. And you live in the middle of nowhere, so you don't know what traffic is. Shut the up. You don't know what traffic is. And everyone deals with traffic. If we let that impact our day, life at home and kids and wife. Gosh, like, what is wrong with you?

[Alice]

Driving down here, it was like, bitch, this, that. And it was like, dude, relax.

[Alice's Partner]

Sometimes I do it for like, try to make a joke, but it doesn't work.

[Caleb Hammer]

I yell at everyone on the road too. I don't take it home and beat my wife like you do. Freak. How oftentimes is he drinking?

[Alice]

He doesn't drink.

[Caleb Hammer]

Okay, that's good.

[Alice's Partner]

Shocking. I know.

[Caleb Hammer]

I thought you go out to the bar with the boys, though.

[Alice]

Well, he does, but he doesn't drink.

[Alice's Partner]

I Don't drink in excess. It's only like one or two drinks.

[Caleb Hammer]

Oh, so he drinks.

[Alice's Partner]

Just don't.

[Caleb Hammer]

He doesn't get up.

[Alice's Partner]

I don't give up.

[Caleb Hammer]

Okay, who's the freedom card?

[Alice's Partner]

That'll be me.

[Caleb Hammer]

Okay. You're also a. You're spending money. When you can't pay it off. You made the minimum payment, then you spend on it. You owe $4,978.34 with a minimum monthly payment of $155. Interest is accruing $105 a month. T takes 16 years to pay off. If you do minimums, no purchases. But again, just like your significant other, you can't not purchase. What is wrong with you?

[Alice's Partner]

Just buy something and then worry about it later, I guess. Yeah.

[Alice]

See where that got us.

[Caleb Hammer]

Oh, his money isn't going to the beverages when he's going out with the boys. It's on the lap dances.

[Alice's Partner]

That was not my money in that video. But yes, in that video. Yes. So we were. There's a video somewhere in the friend group that had that someone has it. Reenacting is pretty freaking spending on a car.

[Caleb Hammer]

And it's Amazon too. Pull up your Amazon little freak. Almost like almost a th. Half a th 000 bucks on interest this year. Actually by the time. No, at the time we are filming right now, it's definitely half a thousand dollars. This is crazy. So stupid. And that's all your debt? Like, I mean it's bad, but this is manageable. Guys, I don't think you understand. Just don't spend on your credit cards, get on a payment plan with the medical debt or actually put the feet to the fire show places doesn't have the Amazon app. And then just your parents that like this is not that bad. Guys. He has three things in his cart. Instead of actually paying off cast iron skillet. I guess you don't have that. Do you really need this big coffee pot? Probably not. You don't need. Okay, see, he's doing it. He wants a grinder. No, dude, just get into the.

[Alice]

A grinder?

[Alice's Partner]

Yeah, like a coffee grinder.

[Caleb Hammer]

You don't need to get into the whole thing. Just get the small single serve. Shut the up. Get pre ground beans. You're poor. You don't need to be. You actually don't make poor money for the cost of living area.

[Alice]

You want get a canister of Folgers. Okay.

[Caleb Hammer]

You can do better than that. But yes, I mean I understand where you're coming from.

[Alice]

Folgers is the only coffee company I know that's okay.

[Alice's Partner]

Yeah, I try not to spend too too often on Amazon. Every once in a while you did you shut the up Dap would be too tempting.

[Caleb Hammer]

Shut the up. Purchase history. Yeah, you're getting like Amazon gift cards and stuff. I don't know. It wants you to buy a massive battery. What are you trying to do? Equal flow portable battery for your camping. It's like 800 bucks. Don't you must be shopping for that? Kind of.

[Alice's Partner]

We were looking at it for like stuff for like the house and stuff like that.

[Caleb Hammer]

Well, I got them and they're wonderful. But I have money.

[Alice]

Yeah, the only big thing that we need to get is a flipping generator for the house.

[Alice's Partner]

Every once in a while our power does go out.

[Alice]

Every once in a while our power went out when we were leaving the house to come down here.

[Caleb Hammer]

Yeah. It's not his fault. Why are you angry at him for that?

[Alice]

Because he's rather buy it to use for camping instead of the house.

[Caleb Hammer]

You're a scary creature. I hate people like you. Why weren't you tracking your screen time already? Piece of shit. Okay, checking out. Is this the joint Chase?

[Alice's Partner]

Chase will be my checking account.

[Caleb Hammer]

Oh, you spent a lot of money. Only 300 bucks in there. Yeah, it's all bullshit dude like you. Yeah, this is your fault. You're pathetic. You're not a good father. You're a bad partner. This is disgusting. You're zelling out money. Microsoft, PayPal, paying for Steam games, Aladdin.

[Alice]

Steam games?

[Alice's Partner]

Aladdin games Every once in a while. Yeah.

[Alice]

Why? Because I. Oh, because you don't have the right airplane?

[Alice's Partner]

No, definitely not. It's more so like I try to buy nostalgia games for my youth.

[Caleb Hammer]

Oh, sh. Oh, you pathetic freak. Do it later.

[Alice]

You don't even play the video games you currently have.

[Alice's Partner]

I do.

[Caleb Hammer]

What games were so exciting during your Hitler Youth?

[Alice's Partner]

Hitman.

[Caleb Hammer]

Oh, my God. Shut the.

[Alice's Partner]

Yeah.

[Caleb Hammer]

What's Aladdin? You're going to Aladdin every five seconds.

[Alice's Partner]

Aladdin? Is the shopping like, like, kind of like.

[Caleb Hammer]

Well, you're stopping in and getting things for like four bucks. What are you getting?

[Alice's Partner]

Usually like salads and stuff like that. When I was at college, Aladdin's like

[Caleb Hammer]

the go yourself, pack a salad. Spotify, eBay. Yeah, there's some more collectible vending machine. Vending machine. That ain't a salad. Selling on money, selling on money. Selling on money. Selling on money. PayPal and on money. All that. Yeah, get into it. PayPal, paying for Disney plus eBay, collectibles again. Taco Bell. Paying for paying for getting some PayPal. PayPal. PayPal. I hope I see your PayPal in here because you do a lot of PayPal and then eBay collectibles again in an Apple bill. The are you doing? Okay, so pay later. What's this? What am I saying?

[Alice's Partner]

That is the PayPal paying.

[Caleb Hammer]

What are you getting? International phase.

[Alice's Partner]

So that's ebay again.

[Caleb Hammer]

So he's getting collectible.

[Alice's Partner]

Yeah. That's reenacting stuff, huh?

[Caleb Hammer]

What is this?

[Alice's Partner]

That's reenacting stuff.

[Caleb Hammer]

You. Oh, there is more debt. Oh, oh, yeah, the mortgage. Okay. Okay. You have an equity position in your home. That's nice of like 70,000. Just about.

[Alice]

Yeah.

[Caleb Hammer]

He'll walk away with like, what, 50. So $71,426.47. What's your interest rate? You don't know your mortgage interest rate?

[Alice]

Also, what's the top of my head?

[Caleb Hammer]

All right, what's your minimum payments?

[Alice]

$673.

[Alice's Partner]

Was that.

[Caleb Hammer]

I'm saying 695. 695.90.

[Alice's Partner]

What's.

[Caleb Hammer]

I want to know your interest, though. How do you guys not know your interest? Mortgage guys.

[Alice's Partner]

One. When we close.

[Caleb Hammer]

So there you go. You're gonna go get a 6% interest somewhere when you're likely in a gorgeous, like, 2%.

[Alice's Partner]

No, I think.

[Caleb Hammer]

What are we doing?

[Alice's Partner]

It's closer to like 4% on the house.

[Caleb Hammer]

You're gonna double your interest if you're lucky.

[Alice]

Yeah.

[Caleb Hammer]

Good luck. Old second. Who's this?

[Alice]

This is me.

[Caleb Hammer]

She actually has money. Maybe she can spend some. She has 3,700 in there. Going in and getting some. Some Treehouse Ventures. Multiple times.

[Alice's Partner]

That's the kids like playground that she takes them to every once in a while.

[Caleb Hammer]

Money.

[Alice]

Yes.

[Alice's Partner]

Yeah. So it's. It's like a play place like you take them to, but in this.

[Caleb Hammer]

What is this? What's this old second? There's another old second?

[Alice's Partner]

Yeah. That would be our joint account.

[Caleb Hammer]

What the. We. The drinking account. We're getting McDonald's door dashing. Burger King, Amazon. Amazon getting some Amazon door dashing again. PayPal money out. Like this is. Again, this is. You guys spend so much money, you can't say you're scraping by when you spend hundreds, if not thousands on. You really can't. It's pathetic, Ira. Well, nothing. It's like 900 bucks. Yeah, exactly. Oh, this is your Kia. Okay, guys. I mean, this is. You just don't spend the money on, and you should be able to make progress on this.

[Alice]

We would. We would be fine.

[Caleb Hammer]

Makes no sense. It was if you prove it for a few months you consolidate your debt with a personal loan from khammer.com if you prove you can fix this your behavior so you don't end up in the same situation again and you'll be fine. Like I don't understand. This is so stupid. You guys are so stupid. All right. And then you guys are bickering about now just don't spend money on and there's nothing to fight about about like what is wrong with you guys. Now the minimum payment might be higher if you have to get on that medical and I mean it'll your collections if you don't I unfortunately but all debt including mortgage is 1406amonth and 9 cents. It'll practically double if you have to do and 90 cents it if you have to do the medical. But what's your utilities? Gas, electric, Internet monthly basis.

[Alice]

Okay, let's see. 300 bucks.

[Alice's Partner]

300 bucks.

[Caleb Hammer]

Like phone bills.

[Alice]

Well you're on your mom you 101

[Caleb Hammer]

do helium if t mobile's getting that area uses that same kind of service, same towers. But I think you have to pay off your phone first if you don't.

[Alice]

Yeah.

[Caleb Hammer]

So what 101.

[Alice]

101 every quarter.

[Caleb Hammer]

Oh well if it's like that then that's not that bad.

[Alice]

I should have brought that up. Yeah it's like and then we don't have to worry about paying Water still

[Caleb Hammer]

more expensive but that's fine. $33.66 gas. Vroom vroom. Drive drive. Monthly basis.

[Alice's Partner]

So I'm about 240 bucks a month.

[Caleb Hammer]

You probably nothing. He doesn't let you go outside. But how much? Maybe 100 bucks a month going further than I thought I guess at the enclosed play place and McDonald's.340 car insurances.

[Alice]

Car insurance is 82 for both. His dad pays for My dad still

[Alice's Partner]

pays for my car insurance.

[Caleb Hammer]

Is the six month year old on tit?

[Alice]

Yes. And then she does.

[Alice's Partner]

She does Formula 2.

[Caleb Hammer]

We should be able to do the household food on I think less than this but we'll start at 800. Meal prep meal plan, warming up meals. Doing the meal prep meal plan. Follow that. It's based on our grocery store. Heb and I know Meijer is pretty similar so shut the up TV fund. Anything else you need to survive you and the kids including going to the play place. I'll put it a little bit extra money there. I'll say 300. Let's see where that goes. Medical, health care there co pays monthly basis for different things?

[Alice]

Yeah.

[Caleb Hammer]

No medications? Nothing. Okay, good. Gym.

[Alice]

No gym.

[Caleb Hammer]

Okay. Subscriptions? I'll try. 50 bucks. You choose where it goes. You said there's pets. How many of what?

[Alice]

Three pets.

[Caleb Hammer]

Okay. Healthy, young.

[Alice]

Yes, healthy and young. Okay.

[Caleb Hammer]

150 for pet insurance. Cuz how the would you guys take care of them if something were to happen? 175. Even worse. Okay. Pet food, pet litter. How much am I month?

[Alice]

100 bucks a month.

[Caleb Hammer]

Okay. Anything else that needs to be in this budget that's not.

[Alice]

Let's see.

[Alice's Partner]

I can't think of anything.

[Alice]

I don't think so.

[Caleb Hammer]

Shouldn't be.

[Alice]

Unless you got anything hiding.

[Alice's Partner]

No.

[Caleb Hammer]

Does he hide stuff often?

[Alice]

Yeah. I didn't find out that he.

[Caleb Hammer]

Okay, we'll just stop. I'm making the budget. We'll talk about that in the post show. We'll talk about his hiding. Crazy shit that she found in the post show. Apparently. Which is insane. But yeah. Yeah. Just have even more marks against you guy. $3,587. What you need to survive. Which means guys, I mean with your income before your second job you have with your second job. What you going to make an extra thousand a month soon?

[Alice's Partner]

Yes.

[Caleb Hammer]

That what it's going to be. So this makes no sense. You're going to make 5,800 bucks. Let's call it a month. 3,000. It's called 600. You have to spend 2,200. This is just. You guys are so. What is wrong with you guys? Even if you have to pay all your debt back. Medical debt without selling your house. All this 2,200. This is a. I don't understand you guys position that's paid off in literally just over a year. This is disgusting. You guys are pathetic. Stop bickering. Stop budgeting. Use dollar wise. Get on the same page. Stop spending money on bullshit. Make it more money and put it all towards the. This is pathetic. Okay, we're gonna figure out what he's been hiding. Maybe that's why they're all fighting constantly. So stupid. In the post show. Let's get the hammer. Financial score first. What the. Just over a year to pay off. This is disgusting. You guys are pathetic. Spending in a budget. He won't even sell his guns. Go yourself. You overspent. 0 out of 10 death. Well, nothing in collections yet that medical will be but until then it's not the worst family. That's not great. So I'll bring it down to a 2 emergency fund. Didn't see anything. You had some money in Your checking, but I'm not going to count that much.

[Alice]

Huh.

[Caleb Hammer]

How much?

[Alice]

3,000.

[Alice's Partner]

Yeah, I was gonna say three.

[Caleb Hammer]

Okay. I would definitely put it in an account. Especially when you've had a home invasion. I give you guys a 4 out of 10. Retirement. That must have been what boosted up your score versus what we saw in documents when you answered it online. Kilhammer.com for yours. But retirement score. I'm glad you have an IRA, but it's practically nothing. One out of ten real estate. It's actually halfway decent in you owe on the roof still for your mom. I'm going to hit that against the score, but it's still pretty good at a 7 out of 10. It would probably be like a 9 without that 9 out of 10 because of the mortgage, which is technical risk. Even though it's not necessarily bad. 3 out of 10 just like you got online. Caleb.com now click the join button to join the best membership on YouTube with three premium shows every single day, six days a week, including an extra 20 minutes of this episode called the Financial Auto Post Show. You can join the YouTube membership or you can join off platform@hammer elite.com or by downloading the Hammer Lead app. Wherever you want to be we'll be. See you in the post show. What the. Is he possibly hiding? She will sometimes go to reenactments so that she can spy on him.

[Alice's Partner]

Yeah, she thinks I'm. She thinks I'm gay. Yeah, she thinks I'm gay.

[Caleb Hammer]

Yeah, I think you're gay. Let me tell you something. Why do you think he's gay?

[Alice]

He kisses the boys on the mouth

[Caleb Hammer]

and you said laugh dances.

[Alice]

Yes, we have video of it.

[Alice's Partner]

There's a video from men.

[Caleb Hammer]

Sometimes when they're out working and it's

[Alice]

hot, they have to strip down to just their underwear.

[Caleb Hammer]

You know you can't bear Corvo. I think there's something else you're not telling her. I just launched the brand new Hammer Elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join and that's a promise.