I Exposed His Hidden Affair | Financial Audit

Summary

Financial Audit Podcast – Episode Summary

Podcast: Financial Audit
Host: Caleb Hammer
Episode: I Exposed His Hidden Affair | Financial Audit
Date: June 29, 2026

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Overview

This episode centers around Monica (21) and Scott (23), a young couple from Greenville, Texas, navigating the early stages of adulthood, career decisions, and turbulent financial (and personal) dynamics. Caleb Hammer conducts a trademark no-holds-barred financial audit, but the show veers sharply into uncomfortable territory, exposing not only the couple’s debt and questionable spending but also problematic attitudes and relationship red flags.

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Main Discussion Points & Insights

1. Introductions & Income (02:02–05:50)

• Monica works in insurance (non-sales), making $61k at 21.
  • "What do you make? 61K." – Monica [02:41]
• Scott works tech support for a tech company, earning $59k at 23.
• Combined income: approx. $120k/year—well above the median US household.
• Monica expresses her desire to be a stay-at-home mom in the future, quitting as soon as feasible.
• Monica expects Scott to "be the man" and take over financially, while Scott seems indifferent or lost about career progression.

2. Career Aspirations & Relationship Power Dynamics (05:51–12:00)

• Monica criticizes Scott's lack of ambition and pushes him toward higher-earning trades or even military reserves for better job opportunities.
• Scott feels pressured:
  • "She's very eager. Very. I want it now, in the moment. And so I'm feeling pressured..." – Scott [08:56]
• Monica bluntly states she "fixed" Scott, who was “a loser” before meeting her (weed, vaping, no job, living with his brother).
  • "He was a loser without me." – Monica [10:32]
• Caleb questions the health of their dynamic: is she trying to change him into her ideal, rather than finding a partner who already fits her criteria?

3. Lifestyle Creep, Travel, & Debt Accumulation (13:00–16:49; 37:00–46:00)

• Monica and Scott have lavish lifestyle expectations (frequent trips, expensive weddings/honeymoon, cruises, etc.).
• Both struggle with living within their means; Monica admits to planning $5k Italy trips and a $25k honeymoon.
• Monica: "If I stopped working, he could not afford to take care of me." [10:06]
• Caleb demonstrates how debt is compounding due to travel and impulsive spending.

4. Family & Wedding Expenses (16:27–19:59)

• Monica’s mother is paying for their $30k wedding.
• Scott’s family is not contributing; he feels he has little say in the planning.
• Resentment builds on both sides: Monica is driven by lifestyle dreams, Scott feels emasculated and pressured.

5. Deeply Problematic Racist Attitudes (19:44–37:00)

This section contains disturbing language and openly racist statements from both Monica and Scott. Caleb confronts them bluntly and repeatedly.

• Monica uses a racial slur (“blackies”) to justify why she avoids certain cruise lines, showing no remorse.
• Both Monica and Scott admit to casually using racial slurs at home; they attempt to pass it off as jokes or "making fun of everyone."
• Caleb challenges and refuses to normalize these attitudes:
  • "You guys are racist. Just own it…well, it's not fine, but just own it and we'll accept it and move on." – Caleb [27:29]
• Monica expresses intent to homeschool future children to avoid multicultural exposure and so-called "woke" trends in schools.
• The conversation includes problematic views on ethnic minorities, which are not laughed off by the host.

6. Relationship Red Flags & Emotional Honesty (41:00–53:00)

• Monica exerts considerable control over Scott’s life—restricting gaming, friendships, and even family relationships.
• Scott confesses feeling robbed of his early twenties and unsure if he’s the right match for Monica:
  • "I do feel like you kind of robbed me of my early years." – Scott [47:30]
• Both are scared to break up out of fear of failure or loneliness.
• Monica becomes emotional amid a reckoning with her dissatisfaction and the realization they may not be the right fit.
• Caleb strongly suggests:
  • "I'm not advocating for the breakup because I don't know you…but…maybe you guys aren't the match." [50:08]

7. Financial Audit Findings (61:52–96:25)

• Despite high combined income, Monica and Scott are sinking under $30,000 in debt (mostly consumer, some student loans).
• Lifestyle bloat: spending on travel, luxury items, and impulsive purchases (Scott on video gaming, Monica on shopping/travel).
• Monica’s finances are less messy but still not aligned with her “tradwife” aspirations; Scott’s are worse (credit cards, late fees, dipping into 401k to pay debt).
• Monica and Monica’s mom both express concern that persistent resentment could destroy the relationship.
• Key Quotes:
  • Caleb: "One of the easiest [situations] in the show…What the fuck is wrong with you guys? Leave each other, get better partners. Because you guys aren't it." [96:25]

8. Values, Compatibility, and Caleb’s Verdict (54:00–End)

• Monica claims conservative values, but her actions and attitudes (binge spending, controlling, racism) are challenged.
• Scott lacks clear values or personal drive.
• Caleb, in a blend of brutal honesty and dark humor, repeatedly questions why either is with the other, urging them to consider that mismatched goals and constant redirection only breed lifelong resentment.
• Final score: 1.5 out of 10 on the Hammer Financial Score—mainly for high income, but failing on spending, debt, and emergency fund.

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Notable Quotes & Memorable Moments

• On Monica’s “fixing” Scott:
  • Monica: "He was a loser without me." [10:32]
• On their relationship power dynamic:
  • Scott: "She's very eager…I'm feeling pressured." [08:56]
• On racist comments:
  • Monica, unapologetically about cruises: "Oh, of course. You don't even be around those blackies. Them." [19:50; 21:32]
  • Caleb: "You guys are racist. Just own it…well, it's not fine, but just own it and we'll accept it and move on." [27:29]
• On fear of being alone:
  • Scott: "I feel like we're both scared to leave each other." [50:42]
  • Monica: "Failure. Being alone. Failure." [50:50]
• On the reality of their relationship:
  • Caleb: "Maybe you guys aren't the match…the best age you do [break up] is now." [50:08]
  • Caleb: "If she's having to relentlessly push you to try to have any kind of ambition, that's someone who's never going to have ambition." [53:53]
• On their disastrously easy solution:
  • Caleb: "Four months to pay off that. One of the easiest in the show…What the fuck is wrong with you guys?" [96:25]

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Key Timestamps

• 02:02–05:50 – Introductions, jobs, income revealed
• 10:32 – Monica claims she "fixed" Scott
• 13:00–16:49 – Debt-laden lifestyle, lavish plans aired
• 19:50–37:00 – Racist attitudes/behavior exposed, discussed, and repeatedly called out
• 41:00–53:00 – Emotional confrontation, control, and the prospect of breaking up
• 61:52–96:25 – Raw financial audit; spending breakdown, horrific credit card management, and final assessment
• 96:25 – "Four months to pay off debt…what the fuck is wrong with you guys?"
• 97:46–98:00 – Monica’s mom agrees resentment would be devastating

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Tone

• Unfiltered: Caleb is direct—sometimes brutal. The episode is marked by dark humor, sarcasm, and pointed criticism.
• Confrontational: No attempt to smooth over Monica and Scott’s problematic views or their dysfunctional dynamic.
• Real: Emotional vulnerability and discomfort are encouraged—sometimes to tears.
• Irreverent: Plenty of jokes and sarcastic quips despite the heavy or offensive subject matter.

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Final Thoughts

This episode is as much a relationship and values intervention as it is a financial audit. Monica and Scott’s combined high income is squandered by poor money management and mutual resentment, with deeper issues of racism and incompatibility left unresolved but boldly exposed. The message is clear: No amount of income can salvage a relationship built on control, contempt, and wildly divergent values.

Caleb’s advice: Focus on what matters—both for your wallet and your future family. Consider whether staying together is serving either of you, because your current path is only locking in future regret.

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Listener tip:
If you’re on the path to becoming a “tradwife,” world traveler, or anything else, make sure your finances—and your partner—are aligned with your values. And never, ever ignore red flags.

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For complete context and the full, unfiltered confrontation, see the Financial Audit YouTube channel.

Transcript

[Caleb Hammer]

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[Scott]

Exclusions apply.

[Caleb Hammer]

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[Scott]

My phone? Uh huh. Why?

[Caleb Hammer]

Give me your phone.

[Scott]

Why?

[Caleb Hammer]

Let me see it.

[Monica]

Where are you hiding?

[Caleb Hammer]

Why don't you go ahead and log in since there is an email address associated with only he's lazy. He has no ambition. He drinks. He smokes. He's a loser.

[Monica]

He was a loser without me.

[Caleb Hammer]

Okay, so she's a I don't even

[Monica]

be around those blackies.

[Scott]

Them you said blackies should see what she says at home in private.

[Caleb Hammer]

What does she say at home?

[Scott]

I can't say that on camera.

[Caleb Hammer]

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

[Monica]

Hi, I'm Monica, I'm 21 years old.

[Scott]

Hi, I'm Scott, I'm 23 years old and we're from Greenville, Texas and this is Financial Audit.

[Caleb Hammer]

Welcome down from Greenville from the Dallas Fort Worth area. Lots of money making opportunities, but not necessarily cheap. What do you do for a living Monica?

[Monica]

I work in insurance for like a.

[Caleb Hammer]

Oh, what do you do in insurance? Because that could be good or bad.

[Monica]

Oh, it's great. It's not sales, so that's good. It can be good or bad, but yeah, it's good. Sales is kind of weird, but anyways. You're making a weird face. Anyways.

[Caleb Hammer]

I don't know why sales is weird, but. Yeah. No, no. What do you make? What do you. Yeah, what do you make?

[Monica]

What do I make? 61k.

[Caleb Hammer]

Good, dude. 21. What the. What are we doing?

[Scott]

It's pretty ballin.

[Caleb Hammer]

Incredible. Yeah. That's awesome. Thanks. Well done. Do you have a degree?

[Monica]

I graduated with my associate's degree out of high school, but then there you go.

[Caleb Hammer]

Guys, look. Look what you can do. 61. That's incredible. What's hitting your account on a monthly basis? Your net pay?

[Monica]

I make 1740 per paycheck and it's two paychecks.

[Caleb Hammer]

Yeah, sure. So listen, we have this positive thing out of the gate. It's exciting. You make an insane amount of money. The reality is you're on financial audit and the stack in front of me is stupid big.

[Scott]

That's big.

[Caleb Hammer]

You're it immediately. Yes, it's big. You wouldn't know it's big.

[Monica]

I mean if he supported me then we would.

[Caleb Hammer]

Why would he support you? You make 30500 bucks a month.

[Monica]

No.

[Caleb Hammer]

Okay. He needs to be a man. Are you not being man? He doesn't even know what's big.

[Monica]

He needs to be the man. He needs to let me quit my job.

[Scott]

I'm trying, pal.

[Caleb Hammer]

Where'd you go, pal? Oh, okay. So you want to quit your job?

[Monica]

Oh, of course. I want to be a stay at

[Caleb Hammer]

home mom making good money. Oh, do you guys have kids?

[Monica]

No, but whenever we do have kids, I need to be.

[Caleb Hammer]

When you guys having kids also you couldn't even dry your hair for financial audit.

[Monica]

It has.

[Caleb Hammer]

Aren't you showing up for like an event that almost no one that applies gets to experience. I rush you. We had the.

[Monica]

It is pretty early actually.

[Caleb Hammer]

It's. It's.

[Monica]

No, it's 11:00am no, you guys, we

[Caleb Hammer]

film at the same time every day. I am no good before 11am I

[Scott]

also get headaches from computers.

[Monica]

No, it's really early.

[Caleb Hammer]

Okay, so she's a. What do you do for a living to support your.

[Scott]

Well, I work.

[Monica]

She doesn't support me too.

[Caleb Hammer]

Try to support.

[Scott]

Working towards it. I'm trying right now.

[Caleb Hammer]

Just cuz she got big tits doesn't mean she's worth it, buddy. Just going to tell you.

[Monica]

Well, I think I'm pretty worth it. I'm making 61 at 21.

[Caleb Hammer]

I ate you two and a half minutes in. I really didn't think I would because you smell pleasant. So I was like, ooh, usually people smell like shit when they come in here, but you smell nice, so I kind of like you.

[Scott]

This is what I got to deal with every day.

[Caleb Hammer]

Rip.

[Scott]

Yeah.

[Caleb Hammer]

Get another one.

[Scott]

I don't know.

[Caleb Hammer]

You got a jawline.

[Scott]

Nice.

[Caleb Hammer]

Kind of. You're 23.

[Scott]

You can choose my job.

[Monica]

Your job?

[Scott]

Well, okay, so I work for a tech company. I make 59,000 a year, basically. Do like tech support her.

[Caleb Hammer]

Aren't you supposed to be the man?

[Scott]

Yes, trying.

[Caleb Hammer]

Where's the man? I mean, that's not a bad income. 23. That's not bad. I'm not criticizing that at all. Yes, that is going to be. Well, I mean, you could single income there. It's just you're not going to be living a life of luxury by any means.

[Monica]

We cannot single income.

[Caleb Hammer]

You can. It's just not going to be great. You're going to be living in a cheaper apartment, not having like the best cars as you can, but you're just making that sacrifice that comes with it. And you, the likely pampered, spoiled that I'm assuming you are, will likely not allow that lifestyle. Sorry, I'm being mean to her because she's a immediately out of the gate. Okay, I'm going to reset myself. Maybe you'll be pleasant. Oh, she's not pleasant. She's a. Okay. What's your job, though, at this tech company?

[Scott]

Work, Tech support. Customer service.

[Caleb Hammer]

Oh, okay. Yeah, we got some of those.

[Scott]

I do hate it.

[Monica]

He doesn't even want to move up, so it's like going nowhere, huh?

[Scott]

Wait, I don't want to move up in that company.

[Caleb Hammer]

I want to find some customer service. No offense to customer service. I employ some. That's not bad. Well, it's not useless.

[Monica]

It's useless.

[Caleb Hammer]

People need customer service or else I wouldn't be paying a lot of money. There's like employee them.

[Scott]

There is a path, but it takes a lot of ass kissing and I don't really want to do that. I mean, you got to understand from

[Caleb Hammer]

your attitude and what he's doing with his income and you want him to support you. You don't.

[Monica]

He's trying to go into plumbing.

[Caleb Hammer]

You don't respect him, do.

[Monica]

He's trying to go into plumbing because he needs.

[Scott]

That was my plan.

[Caleb Hammer]

Plumbing could be good. But you don't respect him, do you? Do you?

[Monica]

I do.

[Caleb Hammer]

Okay, because I mean, Just with your attitude and he makes less than you. I'm just. It just feels like how the would she. I mean, okay, does he want to get the trade job or is she making you go get the trade job?

[Scott]

It was my idea. Now I feel like there's some better avenues. But she really was excited and so kind of feel pushed into it.

[Monica]

I'm not going to go to the military reserves.

[Scott]

What?

[Caleb Hammer]

Oh, why reserves? I guess fine, but why?

[Monica]

Because he needs the government clearance for a tech job. Because he has a two year degree.

[Scott]

That was another part of my plan.

[Caleb Hammer]

He doesn't need.

[Scott]

I feel like I need it.

[Caleb Hammer]

Yeah, sure, it might help. But he doesn't need. Do you think everyone.

[Monica]

He totally needs it.

[Caleb Hammer]

You think everyone that works in tech has governor Government clearance?

[Monica]

No, but you get a better, higher pay.

[Caleb Hammer]

It might be good. But signing up for reserves? What if he gets pulled up? We are in a little bit of a war. They have act, they have active duty.

[Scott]

But what if somebody who's brand new.

[Caleb Hammer]

I don't know, man. What if it just you? Who knows? Who knows what's ever going to happen? Okay, so she. Well, you don't know that. That's the thing. That's. That's the point.

[Scott]

You know that.

[Caleb Hammer]

No, that's what I'm saying. Are you. I just don't. No one knows.

[Scott]

They're not going to pull somebody who's one month in, two months in even a year in. There's. There's a billion other people active duty.

[Caleb Hammer]

Oh yes. A billion other people in our military. What are you talking about?

[Scott]

What are you talking about? There's so many more people. I'm just there to get a.

[Caleb Hammer]

You know what's going to happen in the future.

[Scott]

Have a certification.

[Monica]

We need to buy a house.

[Caleb Hammer]

Oh my gosh. Okay. I don't know what that has to do with what I'm just talking about. Like, yes, you signing up for the reserves. Statistical likelihood, not much going to happen. But it's there for a reason and something could. And we are in a war. We're in an unpredictable world. Bombs be flying. I'm just saying don't expect nothing to happen.

[Monica]

But we.

[Caleb Hammer]

Statistical likelihoods. Yes. I'm not saying not, but I feel like you're kind of pushing him into that. And then what if he actually faces.

[Scott]

The only thing is I feel like sometimes, actually not even sometimes she like never listens to me and I'm kind of tired of it.

[Caleb Hammer]

Well, I'm kind of feeling that as this conversation that neither of you listen But.

[Scott]

But. Okay.

[Caleb Hammer]

She's never listening to you, but it sounds like you're doing what you want to do. If you wanted to get in the trades and you wanted to do the reserve military sounds, she said it's your idea. So it sounds like you're being listened to now.

[Scott]

It is my idea, but I just think there are better routes or it's not. It's not. It's not necessarily something that I want to do.

[Caleb Hammer]

She said try them. Sounds like she listened.

[Scott]

Right. But you got to understand, it's.

[Caleb Hammer]

Tell me.

[Scott]

She's very eager. Very. I want it now, in the moment. And so I'm feeling pressured to get into that.

[Caleb Hammer]

Anything now, in the moment, besides drying hair. Uh huh. So what do you want to do? What's this alternative path?

[Scott]

I don't know. I really don't know yet.

[Monica]

He has no idea why you just

[Caleb Hammer]

said there's all these eternal.

[Scott]

Because I don't.

[Caleb Hammer]

But you can't tell me one. So shut the up. Go to a trade school. Then you can work in customers. And that's why it's not bad. You don't make bad money. But as a dual income household, I mean you guys are already making more than most people do with the height of their income and as a combined household income. So you guys are killing it. But I mean obviously you it up and you're not trad wifing it until this is done.

[Monica]

No, I know. That's why I want to pay it off.

[Caleb Hammer]

But you guys already make more than the median household income in the United States by far.

[Monica]

Oh, we could totally make more.

[Scott]

Yeah, we can make more, but we still.

[Caleb Hammer]

But it doesn't matter. You already are making the more we

[Scott]

go on like 10 trips a year. Her idea, by the way.

[Caleb Hammer]

Don't do that.

[Monica]

We're young. I want to travel and he's not.

[Caleb Hammer]

You're young. You want to travel. Or do you want a tradwife? Because like you're kind of wanting everything.

[Monica]

He doesn't make enough. Where I could stay at home right now.

[Caleb Hammer]

You guys do make enough. You make like 120.

[Monica]

If I stopped working, he could not afford to take care of me.

[Caleb Hammer]

Not your current lifestyle. Correct. But you could afford to do a lifestyle.

[Monica]

No, it's.

[Caleb Hammer]

It wouldn't be the greatest lifestyle. It's not even what I'm advocating for. But I'm saying you could.

[Monica]

Technically, I want to quit my job by next April.

[Caleb Hammer]

We already. Well, I didn't know by next April

[Monica]

we're getting married and then we have to Go on the honeymoon right after.

[Caleb Hammer]

Are you not married yet?

[Monica]

No.

[Scott]

No.

[Caleb Hammer]

Oh, buddy, you still have a chance. Get the big boobs. They're not everything. You'll find many.

[Monica]

He was a loser without me.

[Caleb Hammer]

I liked him, probably, but he was.

[Monica]

Yeah, so he needs me.

[Caleb Hammer]

Yeah. Okay. How is he a loser?

[Monica]

He was smoking weed. Like, he was a pothead. He was vaping. He didn't have a job. He was living with his brother, and his brother was pushing him into unemployment.

[Caleb Hammer]

Pushing him into unemployment. Okay. How old was he?

[Monica]

The brother?

[Caleb Hammer]

Him? He's 23 now. How old is he?

[Scott]

Like 19. Okay, that's what I'm saying.

[Monica]

21. But I was already a manager at Walmart. Like.

[Caleb Hammer]

Well, yeah, you're right. At Walmart, you're definitely.

[Monica]

No, but right at 18, even though you're a.

[Caleb Hammer]

That no one wants to be around, you're definitely someone that accelerates in life. And, like, I can respect that. If he was 19, like, I'm not going crazy.

[Scott]

That's what I'm saying.

[Monica]

I was freshly 18.

[Scott]

She thinks anyone who smokes women with

[Caleb Hammer]

this freshly 18 terminology every time.

[Monica]

Why is it I was freshly 18,

[Caleb Hammer]

but why do you have to put freshly in front of it? Women are obsessed with this. This word with fresh. Actually, 18. Congratulations. You turned 18. Like every other human being in history. Why it's not all of a sudden fresh and a unique thing that you and only you experience. I'm just saying, why are you infantilizing turning 18? Congratulations. You go serve up with the military, you can get a job. You can do a lot of things. You can vote for the future of this country and have the consequences behind

[Monica]

that, which is a good thing.

[Caleb Hammer]

Huh?

[Monica]

I should be able to vote. I'm great.

[Caleb Hammer]

Yeah.

[Monica]

My beliefs are the best.

[Caleb Hammer]

Okay. I didn't advocate for taking away your right to vote.

[Monica]

Never said you did. I'm just saying me voting is good.

[Caleb Hammer]

Yeah, but do this infantilization around 18, it's such a weird freak behavior. You were an adult like everyone else. Get with it. Who cares? Why do you have to set it up with this prerequisite of being fresh? You're not flesh, dude.

[Monica]

Yes, I was. I was freshly 18. And he was a loser. That's what.

[Caleb Hammer]

Yeah, he may have been a loser. Doesn't mean that. It's like, you don't have to infantilize yourself, man, Once you guys get together. You were 19.

[Monica]

No, he was 20. Almost 21.

[Scott]

I was 20. Not even close to 21.

[Monica]

Yes, because we got together in July and his birthday was we got together

[Caleb Hammer]

when you were freshly 18. Then he'd be 20.

[Monica]

No, but then he turned 21 and you were so fresh in November. We got together in July and he turned 21 in November.

[Scott]

It's like five months.

[Caleb Hammer]

Okay, well why the does that matter? That's such an insignificant.

[Monica]

I'm just saying.

[Caleb Hammer]

I know people like you freak out about months and one year age gap, but like who. Who gives a. Okay, so yeah, maybe he was a loser. That's fine. Listen, I mean it. It's not. And I would advocate for you to get better. Is she the one that fixed you?

[Scott]

She helped.

[Caleb Hammer]

Okay. Cuz she seems to be very strict. You kind of strict. Just whipping around the house. I mean you got your together. I mean again, I can appreciate.

[Scott]

She has a very articulate and she's very specific. She. She knows what she wants.

[Caleb Hammer]

A what?

[Monica]

What do I want? Well, I didn't want him to smoke weed. Okay, Reasonable request vaping. He quit that.

[Caleb Hammer]

Yeah, that's bad for him.

[Scott]

That's help that her mom's always like, like overpowering. So like if I have anything that we're fighting against. Her mom, you don't understand.

[Monica]

Well, I don't want to talk about anything.

[Scott]

Her mom always backs her up. No matter if I'm in the right or genuinely making the most sense.

[Monica]

Take your side. You don't get it because she told me I have to stop doing trips and you were advocating for that.

[Scott]

But we're still going on trips.

[Caleb Hammer]

I don't care about you.

[Scott]

How many trips have we been on this year? Six.

[Caleb Hammer]

What?

[Monica]

The bubbly. I mean, I've been.

[Scott]

We just got off of a trip.

[Caleb Hammer]

We just came back. It's May.

[Monica]

Yeah.

[Caleb Hammer]

What are you guys doing that's not going on anything? Okay, I understand young, dumb and this is the. Yeah, a lot of money.

[Scott]

It's.

[Caleb Hammer]

But you guys are just blowing it, man. You don't have. You have no idea the amount of money you guys are making now at your age with the compound growth and the time of the market that you could have multi, multi, multi, multi, multi millionaires by the time you retire. You're just throwing it away for temporary pleasure. Well that's fine. Then why are you going on vacations? Building up the debt that is preventing you guys from taking off work.

[Scott]

She's also spending like 5k on Italy that later this year because you don't

[Caleb Hammer]

get to have everything. You can't.

[Monica]

He doesn't make enough though. So why would I. Slow down. Why would I.

[Caleb Hammer]

Because you're making him have to make even more and more and more. The more debt you accumulate, the more he's going to have to make to get you out. To get you out of the debt in order for you to be stay at home.

[Monica]

But I would stop if he actually tried to do something with his career. He doesn't even know I'm trying to going into trades.

[Caleb Hammer]

I know he doesn't know what to do. You've told him what to do.

[Monica]

That was his idea kind of.

[Caleb Hammer]

Well, what.

[Scott]

What do you say that you can't

[Caleb Hammer]

say he doesn't know what to do.

[Scott]

Briefly brought it up and then she

[Monica]

took it and went like five years before he actually becomes a partner.

[Caleb Hammer]

That doesn't make any sense.

[Scott]

It does take about five years. Okay.

[Caleb Hammer]

But you'll be making some money along the way through apprenticeships. And what's that?

[Monica]

He's going to start at like 18 an hour for the first year.

[Caleb Hammer]

So it's still money. Okay. You might have to work a little bit at 23 or 1. Who cares? Like you'll work a couple of years. You'll. You'll see. You'll be a trad whore at like 24.

[Monica]

If he actually does it.

[Scott]

I feel so pressured to give her that lifestyle.

[Caleb Hammer]

Do you even wanna give her that lifestyle?

[Scott]

I mean, I do it. It's just hard.

[Caleb Hammer]

Why do you say that?

[Monica]

Why? Cause he doesn't do anything.

[Scott]

I feel like we are young so we can we have the time to get to that lifestyle. It doesn't have to be right now.

[Caleb Hammer]

Okay. You don't necessarily need that lifestyle. But if you guys wanna have that lifestyle, you can. But you can afford it kind of. Okay. You guys are just making it so hard cause you're up life so early. I don't really understand the point. You guys have unlocked the level of income that most households never get to in this country.

[Scott]

Really?

[Monica]

I feel like we're not making.

[Scott]

Yeah, I feel like we don't make

[Caleb Hammer]

like 120,000 hours a year.

[Scott]

Sure. But.

[Monica]

Yeah, but in household like you see the net net. We don't make that much.

[Caleb Hammer]

No shit. And net the 80,000. The $80,000 a year. Median household in the country doesn't net 80,000.

[Monica]

I'm just saying.

[Caleb Hammer]

So what's the what the point was that yes, it is. If you can't make it off $120,000 a year, you guys aren't make it.

[Monica]

Here's the thing. My mom's paying for the wedding, right?

[Caleb Hammer]

Oh, she's back. Okay. Welcome mother to the conversation.

[Monica]

She's paying for the 30k wedding.

[Caleb Hammer]

But then you're spoiled.

[Monica]

Yes, we go, but then we have to go on a honeymoon that's probably.

[Caleb Hammer]

Don't have to.

[Monica]

25k.

[Caleb Hammer]

Why are you saying you have to?

[Monica]

Why?

[Caleb Hammer]

Okay, what the is wrong with you?

[Monica]

Because you pay for it.

[Scott]

Her mom is wanting me to pay her back.

[Caleb Hammer]

Then don't do a 30,000 hour wedding.

[Monica]

We booked everything.

[Caleb Hammer]

It's already booked some things now.

[Scott]

No, everything is in a package.

[Caleb Hammer]

Why'd you do that?

[Monica]

It's easier.

[Scott]

I said it's like.

[Monica]

It's like a two year everything.

[Caleb Hammer]

Is your family contributing?

[Scott]

No.

[Monica]

No.

[Caleb Hammer]

Why?

[Monica]

I don't think they want to.

[Caleb Hammer]

They might not want. Going into $30,000. A debt immediately out of the gate of a marriage to a family member is pretty stupid.

[Scott]

And then you say no, it's. I just. I don't have a say.

[Caleb Hammer]

Okay.

[Scott]

It's her and her mom always.

[Caleb Hammer]

Are you distancing him from her family? Are you grooming this man?

[Monica]

No, I love his family.

[Caleb Hammer]

Why don't they want to participate?

[Scott]

Loves my family.

[Caleb Hammer]

Well, what does that mean?

[Scott]

I don't know. I feel like it's all an act just to, you know, be the nice. The nice lady.

[Monica]

No, I love his family. I do.

[Caleb Hammer]

You love anything. You're.

[Monica]

I love a lot of things. I would love my lifestyle. That I want that I'm.

[Caleb Hammer]

That's all it is. You just.

[Scott]

That's all she wants.

[Caleb Hammer]

Spoiled whore.

[Monica]

I provide. Doesn't matter how she gets myself right now.

[Caleb Hammer]

Dump him. Date a rich person. Like in this room. They'll give you that lifestyle. They make as much as you guys do as a median household. Get a better guy. You married a twink whose family won't even provide for the wedding. Brandon's over there. He likes big boobas.

[Monica]

Yeah, but he's a man whore.

[Caleb Hammer]

True. She knows the lore. That's. That's true. That is true. Well done.

[Monica]

And then dump.

[Caleb Hammer]

Okay, okay, so I. You guys. Why do we have to do a $25,000. You said have to. Honeymoon.

[Monica]

Honeymoon? Yeah. We need to go all out. Go to Greece. We only have one need to.

[Caleb Hammer]

We don't need to. Why is. Why is the need. I don't understand the need.

[Monica]

We're young. We need to travel. Don't need things.

[Caleb Hammer]

You've been on five trips this year so far.

[Scott]

She said she wants something to remember.

[Caleb Hammer]

Which one. How many trips?

[Monica]

Like eight.

[Scott]

Yeah, eight trips.

[Caleb Hammer]

What have you done this year so far?

[Scott]

I mean, we just got back from the casino. Then Denver, Durant, Choctaw, oh, it was

[Caleb Hammer]

like a day drive. Okay. It's a little different.

[Scott]

It was like a week. We spent a week there. It was right before this. We just flew in from Denver. Two cruises.

[Monica]

Oh, yeah. We went to Denver for the week.

[Caleb Hammer]

A week at the casino. Like the one in Oklahoma? That thing?

[Scott]

Yeah.

[Caleb Hammer]

What the did you do for a week there?

[Monica]

There's, like, the pools and bowling and arcade.

[Caleb Hammer]

There's pools, bowling, and arcade where you live?

[Monica]

Not really.

[Caleb Hammer]

In Dallas? Yeah, I think so.

[Monica]

Like an hour away from everything.

[Scott]

It's the same distance.

[Monica]

Yeah.

[Scott]

So why, you know.

[Caleb Hammer]

Well, you went to a casino? Not necessarily great for money.

[Monica]

We brought a set amount. It wasn't how much. I brought 150 and he did, too.

[Caleb Hammer]

For a week at the casino. No way. Go yourself.

[Scott]

I did take out more money.

[Caleb Hammer]

There you go. That's impossible. You okay? Where else did you go this year?

[Monica]

Two cruises.

[Caleb Hammer]

What the.

[Monica]

Actually, no. Because if you count since, like, last

[Caleb Hammer]

September, and I know you avoid carnival, like, the.

[Monica]

Oh, of course. You don't even be around those blackies. Them.

[Caleb Hammer]

What the. I shouldn't laugh at that. That is crazy. Why would you say that?

[Monica]

Why?

[Caleb Hammer]

Yeah, why would you say that?

[Scott]

Might have been the realest thing you've ever said.

[Caleb Hammer]

Why would you actually say that aloud? That's crazy. You're laughing about it. That's insane.

[Scott]

It's Carnival.

[Caleb Hammer]

Saying things.

[Scott]

Have you ever seen a Carnival Cruise?

[Caleb Hammer]

What? That doesn't sound like a joke. Yeah, that's not a joke. I say jokes. That's not a joke. Have I ever said that? I say crazy jokes. I've never said that. Yeah, please, let's. Yes, please. I mean, I would also not go on Carnival Cruise because I'm just like. I avoid trashy behavior. Yes, but I block people.

[Monica]

But that's what you were insinuating.

[Caleb Hammer]

No, trashy people.

[Monica]

You were insinuating.

[Caleb Hammer]

I actually didn't really assume. Oh, I. No, I insinuated that. Yes. You likely do not want to. She. She talked about. She was saying some things before we started filming, too, that were a little racist. So I. That's kind of why. I knew it. I was kind of impressed. Sorry.

[Scott]

Huh? You started it.

[Monica]

You did.

[Scott]

You're calling us all white, and then it's. It's good to be white, and.

[Caleb Hammer]

I didn't say that.

[Scott]

Yes, you did.

[Caleb Hammer]

What's going on, guys? Were we recording that, Tyler? Because I didn't say that. Hey, what's up?

[Monica]

I love how they pulled him. You guys pulled him. It's great.

[Caleb Hammer]

At least you called Him a him,

[Scott]

not an it or

[Caleb Hammer]

it's concerning. I'll be honest. They went on two cruises this year. I made a joke because most people want to avoid carnival, obviously, for obvious reasons. Even you, Tyler. Yeah, for sure. I said, obviously, avoid carnival. And she was like, huh? Yeah, I don't want to be around those blackies.

[Scott]

She did yell it pretty loud.

[Caleb Hammer]

You said blackies?

[Monica]

I did.

[Caleb Hammer]

What's your perspective, lady? Blackies. That's how you referred to us, blackies?

[Monica]

Yeah.

[Scott]

You should see what she says at home, in private.

[Caleb Hammer]

What does she say at home?

[Scott]

I can't say that on camera.

[Caleb Hammer]

Actually, we're giving you permission.

[Scott]

No, he could say it. I can't.

[Caleb Hammer]

Oh, why the you call us not on a that talking to him. Why do you both say that? So why are you trying to act like she?

[Scott]

Well, I mean, she brought it up.

[Caleb Hammer]

What you saying, too?

[Scott]

I mean, every now and then.

[Caleb Hammer]

Do you guys see the ends at home?

[Scott]

Who doesn't in private?

[Monica]

You know, there's some footprints that you just can't erase. When he's gaming.

[Scott]

Yeah, when I'm gaming.

[Caleb Hammer]

And when do you say it?

[Monica]

When he asked me. His friends will come up.

[Scott]

Oh, she'll just let it rip. Anytime. Don't even believe it.

[Monica]

No, no, I will not. It's. Whenever you sit here and try to

[Caleb Hammer]

act like you're all innocent, all of a sudden you just call us blackies. Nigga, what the. 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 PDFs 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 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 now at PDS. That is pdsdet.com hammer pdsdet.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 when you need to build up your team to handle the growing chaos at work. Use Indeed sponsored jobs. It gives your job post the boost it needs to be seen and helps reach people with the right skills, certifications and more. Spend less time searching and more time actually interviewing candidates who. Check all your boxes. Listeners of this show will get a $75 sponsored job credit@ Indeed.com podcast. That's Indeed.com podcast. Terms and conditions apply. Need a hiring hero? This is a job for Indeed. Sponsored jobs go to every dollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to 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 Dollarwise. 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. What the. She's scared right now.

[Monica]

I'm not scared. Tyler's cool.

[Caleb Hammer]

Well, thank you. I appreciate that, but what the. Are you saying he's one of the good ones?

[Scott]

Yeah, one of, like, very few.

[Monica]

Same with Robert. Robert's cool, too.

[Caleb Hammer]

You nat Robert?

[Monica]

No, I'm just saying he's cool.

[Caleb Hammer]

How did you know the coo? Why do you call black people blackies?

[Monica]

It was just a joke.

[Scott]

Just rolls off the tongue.

[Caleb Hammer]

Hold on. You're okay. Rolls off the tongue.

[Scott]

I mean, what would you. What would you prefer Black people.

[Caleb Hammer]

People.

[Scott]

Person. That's two syllables. It's, like, harder to say.

[Caleb Hammer]

Is people harder to say than blackies? People. You can't say people.

[Scott]

It's a longer word.

[Caleb Hammer]

You can't say people.

[Scott]

People.

[Caleb Hammer]

I can't say I'm a person. What am I?

[Scott]

You are a person.

[Caleb Hammer]

You gonna call me a blackie?

[Scott]

I mean, she did it for me.

[Caleb Hammer]

Call me a blackie. Call me a blackie.

[Scott]

I got permission.

[Caleb Hammer]

Call me a blackie.

[Scott]

What's gonna happen?

[Caleb Hammer]

I don't want to find out. All right, good. I'm glad you didn't do it. Why the are you calling people blackies, bro?

[Monica]

It's a joke.

[Caleb Hammer]

I don't give a. Oh, you guys are saying the N word at your house? That's not a joke. I don't give a.

[Scott]

You act like you don't.

[Caleb Hammer]

I don't. I've never said the N word.

[Scott]

Oh, come on.

[Caleb Hammer]

I've never said the N word.

[Scott]

I do not believe it.

[Caleb Hammer]

I love jokes, but.

[Scott]

Exactly.

[Caleb Hammer]

I'm over to say it for. Yeah. When you say it as a white man, it's not really a joke. Oh, my gosh. And I'm not very sjw.

[Scott]

We made the word. Why can't we say it?

[Monica]

That's wild. That's wild.

[Scott]

That's out of pocket.

[Caleb Hammer]

Okay. They were being racist before we started filming. What'd they say? I came in and I looked at him and said, you guys are, like, the whitest people that have ever been in the studio. And then he said, that's better than being black.

[Scott]

I mean, can you blame me?

[Caleb Hammer]

And I said, I guess that's kind of true. Cause my life was easier. But then that's not why they said that. Yeah. Isn't it easier to be white? That's true. Okay.

[Scott]

Thank you.

[Caleb Hammer]

There's some DEI stuff that was helping you guys for a few years, but we kind of rolled that back. Are you on my side or their side? I'm on the judge by talent side.

[Monica]

Okay.

[Caleb Hammer]

Judge by talent. Okay. Also, Carnival is not even bad anymore. They don't play black people music anymore.

[Monica]

It's not the music.

[Scott]

That's not what I'm seeing online.

[Caleb Hammer]

It's the people.

[Monica]

No, it's.

[Caleb Hammer]

Then what?

[Monica]

They, like, steal stuff. Like, you see, they literally changed their policy because they were stealing stuff and they were causing problem.

[Scott]

What else?

[Monica]

The group of people.

[Caleb Hammer]

There we go. Group of people.

[Scott]

The group of people. There you go.

[Caleb Hammer]

Thank you.

[Scott]

Thank you. Of course. Thank you.

[Monica]

Thank you. Good job, everyone. On Carnival.

[Caleb Hammer]

I'll be honest you guys. Okay, you guys are in the deep suburbs of Dallas in the white area. You guys are racist. Just own it and it's. Well, it's not. Fine, but just own it and we'll accept it and move on.

[Monica]

I do make fun of everyone, though, so it's like it doesn't matter.

[Caleb Hammer]

But I don't call people. The N word is blocking. Why you say it at your house.

[Scott]

That's not calling them that.

[Caleb Hammer]

Guys.

[Monica]

Not at all.

[Caleb Hammer]

Guys. I love jokes. Saying the N word around the house is not.

[Scott]

You're saying you've never let it rip once?

[Caleb Hammer]

No.

[Monica]

Come on. I don't believe you.

[Caleb Hammer]

Robert. I've been friends with Robert since, like, elementary school. He backs me up. He knows I never said it. Have I dreamed it?

[Scott]

Of course.

[Caleb Hammer]

Who doesn't? But I've never said it.

[Monica]

No, it doesn't make it okay to actually call the people. Like, you wouldn't call a retard a retard.

[Scott]

You don't.

[Monica]

No, exactly. You don't do that. I'm just saying.

[Scott]

But you say it.

[Monica]

But you can say the word, but you don't call the.

[Caleb Hammer]

Not a. Mentally challenged. Yeah.

[Scott]

Not actual.

[Monica]

Mental. Yes. That's what, like Brandon.

[Scott]

Yes.

[Monica]

You wouldn't say that to someone. Like, you wouldn't say. No, no. You wouldn't say the N word to Tyler.

[Caleb Hammer]

There's people who would. You would call me a blackie.

[Monica]

Yeah, but I wouldn't.

[Caleb Hammer]

But you called me a blackie.

[Monica]

And I would call white people white people. Like cracker.

[Caleb Hammer]

White people.

[Monica]

Whitey.

[Caleb Hammer]

What about black people? You didn't say whitey. White people. What the.

[Monica]

You calling me a black for whitey? I don't care. Crack. I don't care.

[Caleb Hammer]

I'm on your ass. What did I do? What you.

[Monica]

Whoa.

[Scott]

You need help. What?

[Caleb Hammer]

You need help? Don't say no blackies before you get your ass beat. Somebody go beat your ass.

[Monica]

I'm so serious.

[Caleb Hammer]

She's the most, like, 1920s conservative woman ever born. I don't give a. Go to the diner then. She can't be fixed. She can't be fixed. She's. She's gone. She cooked. Don't leave Dallas. She's going to make racist little kids. And, I mean, they're a cute couple, but they're just. Yeah.

[Scott]

I mean, generational.

[Caleb Hammer]

I want to put my hands on this dude. What are you saying? He said generational. I mean, guys, if you're racist, just embrace it.

[Monica]

I make fun of everyone.

[Caleb Hammer]

You make fun of everyone? Do you guys like black people as a Collection. Sure.

[Scott]

Some of them I'm being on like, dude, the stereotypes are there for a reason. Just like how white people have stereotypes.

[Caleb Hammer]

Yes, continue.

[Scott]

I'm not going to go list them, but.

[Caleb Hammer]

Huh.

[Scott]

I'm not going to go name any.

[Caleb Hammer]

But you know, I think you should name any.

[Scott]

I think he knows too. No name.

[Monica]

So.

[Scott]

No.

[Caleb Hammer]

No name. So. We just want to see how informed you are.

[Scott]

I'm pretty, pretty informed. No, I'm not going to do that online.

[Caleb Hammer]

Smaller shovel, smaller hole. So do you like black people?

[Monica]

Yes.

[Caleb Hammer]

How did you. That wasn't a great way. I don't like the way she said that. Come on. You wouldn't if. Okay. If your school that you were sending your kids to or even 30 black. You would not.

[Monica]

I want to homeschool.

[Caleb Hammer]

Oh, hell no.

[Monica]

Oh, yeah.

[Caleb Hammer]

Your kids cook.

[Monica]

I want to homeschool. So then they're not in public school.

[Caleb Hammer]

Why?

[Monica]

Why? Because of how the world is going.

[Caleb Hammer]

How's the world going?

[Monica]

Have you heard of like the litter boxes in schools?

[Caleb Hammer]

That's the second time this week. Is this like a news story going around? I don't.

[Scott]

It's been a thing.

[Monica]

It's been a thing.

[Caleb Hammer]

It was all made up. That's the admission from Joe Rogan years ago. Yeah. No, no, don't get me wrong. Yes, there was some. So good.

[Scott]

So good. So good.

[Monica]

New summer arrivals are at Nordstrom rack stores now. Get ready to save big with up to 60% off brands like Rag and Bone, Levi's, Adidas and free people. Join the NordicLub to unlock exclusive discounts. Shop new arrivals first and more. Plus, buy online and pick up at your favorite rack store for free. Great brands, great prices. That's why you rack.

[Caleb Hammer]

Weird, performative politics. But isn't that like, kind of done? Especially in Texas. Okay, what else? What else is going on?

[Monica]

What else is going on? Or how the teacher sometimes will like molest the kids?

[Caleb Hammer]

That happens in church, too. Are you sending them to church?

[Monica]

No.

[Scott]

Gonna go to church.

[Caleb Hammer]

Not religious?

[Monica]

No. I just have the values.

[Caleb Hammer]

What's your values? Clearly don't. They don't like black.

[Monica]

I never said that.

[Caleb Hammer]

You called them blackies and you called them black.

[Scott]

Saying it's okay, but when we say it.

[Caleb Hammer]

Because I don't call people that.

[Scott]

You said black people. He was hesitant. You're good.

[Caleb Hammer]

Don't worry. Okay? Don't worry about it.

[Monica]

You need the validation.

[Caleb Hammer]

I just want your values.

[Monica]

You had to give him the validation.

[Caleb Hammer]

I'm not talking to you.

[Scott]

Can I get some validation?

[Caleb Hammer]

I hate you more than I Hate her. Come on, this. She's all right.

[Monica]

She's okay.

[Caleb Hammer]

She said. She said my name. That's at least cool. What's your values?

[Monica]

What's my values? Just more conservative.

[Caleb Hammer]

Oh, conservative doesn't necessarily mean hating black people or anti school. There's normal conservatives, normal liberals.

[Monica]

No, I just don't want anything to be shoved down my kid's throat.

[Caleb Hammer]

What are your values? You just say you're conservative. I need to hear the values.

[Monica]

I mean all of the. Like, I do want the border. Not because I'm racist, but because there's a lot of human trafficking that comes through the border and drug traffic. Drug trafficking.

[Caleb Hammer]

I think everyone wants a strong border these days.

[Monica]

Every country has a strong border.

[Caleb Hammer]

Everyone likes a strong border these days. Most of us don't have to say. Not because I'm racist.

[Monica]

Well, because you were insinuating that I'm racist when I don't give a f about it.

[Caleb Hammer]

When she said blackies. Blackies was crazy black. What other values? Don't shake your head like that's not crazy.

[Monica]

You guys say anything. Like saying is technically crazy.

[Scott]

Exactly.

[Monica]

A good amount of people.

[Caleb Hammer]

Your example. You already showed your example.

[Monica]

I understand.

[Caleb Hammer]

I hear you. You called me a black. You didn't say black person or black people. You said.

[Monica]

I didn't call black.

[Scott]

You never said cracker or whitey.

[Caleb Hammer]

I don't call people cracker. I say cracker. I call it. No one gives a shit about cracker.

[Scott]

I know, but it's like the same thing.

[Caleb Hammer]

It doesn't have the same.

[Scott]

I don't give a feel, but it's the same thing.

[Caleb Hammer]

I'm not. I'm the furthest from woke you can get. But we know it doesn't have the same impact.

[Scott]

I get that because of all that, but it's the same thing. Like it's.

[Caleb Hammer]

What are your values?

[Scott]

My values? I don't know.

[Monica]

I don't think you have any.

[Scott]

I really don't.

[Caleb Hammer]

Who do you watch?

[Scott]

Who do I watch? What do you mean?

[Caleb Hammer]

What content you guys are. Watch. You guys are picking up things.

[Scott]

Watch you.

[Caleb Hammer]

Okay, but I don't go around doing that. This isn't a racist show.

[Monica]

No, you make fun of everyone.

[Caleb Hammer]

Yes, but I don't call them blackies.

[Monica]

I don't understand why it's so bad. You like, if you make fun of everyone saying is bad, it's like the same thing.

[Caleb Hammer]

No, but the only people that are offended by today are like the crybaby freaks. So we don't really care about them.

[Scott]

You ever Seen Family Guy? Yes. It's like that. They make fun of everyone and it's funny. It's allowed.

[Caleb Hammer]

They're going to stick, and that's going to be their talking point to get them out of what they did. Okay.

[Scott]

Come on.

[Caleb Hammer]

I feel like you guys are just a little nervous of embracing it now. Now that you realize that you're on camera.

[Scott]

I know.

[Caleb Hammer]

There it is. There it is. He just said I'm on a live show. It's not live, but that's why. No, because I don't. Am I? We make jokes off camera all the time. Have I ever called anyone actual racial slurs?

[Scott]

I've never called anyone that. That.

[Caleb Hammer]

You guys are throwing ends in the house. I mean, come on. Just that alone. Yeah. I'm only his translator, bro.

[Monica]

I can't. I can't do that.

[Scott]

Sorry.

[Caleb Hammer]

Yeah, that's crazy.

[Scott]

Can't do one.

[Caleb Hammer]

We don't say ends. We don't say ends. Well, as someone who's a big joke guy, I go to the comedy mothership. Lots of white comedians there. I've never heard them say the end. And they're like the edgy comedians.

[Monica]

Yeah, but you don't call someone that word is what I'm saying.

[Caleb Hammer]

Trust me. Otherwise, the only black guy in the audience, they wouldn't be calling anyone that.

[Monica]

I'm just saying.

[Caleb Hammer]

Okay, thank you.

[Monica]

If you take away the meaning, you

[Caleb Hammer]

say this on the day his mother visits the office.

[Scott]

Your mom's hurt him.

[Caleb Hammer]

Yeah. And you won't see her. You're going to lynch her.

[Monica]

Oh, crazy.

[Caleb Hammer]

I'm protecting her. I'm protecting her. He's the bad man.

[Scott]

I'm the bad man. She said it.

[Monica]

What?

[Scott]

How am I at fault here?

[Caleb Hammer]

That's a nude egg. I won from my game. I'm not in trouble at all.

[Scott]

No.

[Monica]

Okay.

[Caleb Hammer]

Thank you, Tyler. Thank you, Tyler. We love Tyler.

[Scott]

Am I wrong?

[Caleb Hammer]

Lindo. Real lindo. I am lindo. I am lindo on Twitch. Okay, you guys are racist. Just embrace it. It's okay. Come on, like you're not. Come on, like you're not. Come on, be real.

[Monica]

I don't think I am, actually.

[Scott]

What? Actually, I know she is.

[Caleb Hammer]

Yes.

[Monica]

Thank you. I don't think I am.

[Scott]

We both are.

[Monica]

Because I make fun of everybody.

[Scott]

She's just coming in.

[Caleb Hammer]

She's trying to cope it with jokes. She's trying to cope with jokes. You guys are racist. You guys live in the deep white suburbia of Dallas. You guys are racist.

[Scott]

I'm not that white, though.

[Caleb Hammer]

I mean, it's Fine, I'm allowing it.

[Scott]

You ever been to Dallas?

[Caleb Hammer]

Don't embrace it. Yeah, a few times, but.

[Scott]

But it's not a lot of white people anymore.

[Caleb Hammer]

Yeah, not in Dallas. Frisco, I'm sure. In Greenville.

[Scott]

In Greenville.

[Caleb Hammer]

Well, I don't know. Okay. I mean, I don't know how to get you guys to honestly being able to afford this

[Monica]

thing.

[Caleb Hammer]

I. I really don't. This doesn't make sense. This. It doesn't make sense. Don't do this honeymoon.

[Monica]

We need to.

[Caleb Hammer]

Please. You don't need to.

[Monica]

We do.

[Caleb Hammer]

I don't want to talk in circles around this.

[Scott]

I'm all for going on a honeymoon, but 20k is ridiculous.

[Caleb Hammer]

That's ridiculous.

[Scott]

Same with the wedding.

[Caleb Hammer]

You can do.

[Scott]

I don't want to pay for that shit.

[Caleb Hammer]

With your guys's income, I don't know if you'll be able to tread wife. But you can have a lot of really nice vacations in the rest of your life. You can afford. Avoid all the minorities you want. You can go to the whitest places, Northern Europe. It's just absolute peace and quiet.

[Monica]

No.

[Caleb Hammer]

Okay. Interesting counterpoint. I mean, I. I don't know what to do then. I don't know what to do then, guys. Because if you're not willing to back that. Back off that. Well, you're trying. I can't get you to trad wifedom. Stay at home on this income and $20,000 vacation.

[Monica]

Yeah, because he wants to make more.

[Scott]

That's what I try and say whenever I bring.

[Caleb Hammer]

We established even plumbing. It'll take like five years for him to get to that full income. So we don't get to do the 20k now. Can we do a 20k trip in the future? Do a smaller honeymoon now. Because listen, the thing.

[Monica]

I don't have kids and I don't want to take kids on a trip like that.

[Caleb Hammer]

No, get your grandparents to watch them.

[Monica]

I don't know if they would do that.

[Caleb Hammer]

They wouldn't. Your parents don't love you guys. They won't love your grandparents. Are you guys not close to them?

[Scott]

I think they would watch.

[Caleb Hammer]

You said you would, won't they?

[Monica]

Maybe for, I don't know, a week

[Caleb Hammer]

and then they get racist later. It happens every time.

[Monica]

Almost asexual. Like if anything. Well, I'm just saying. You're saying that, but I'm like. I'm closer to that.

[Caleb Hammer]

Sorry, buddy.

[Monica]

Then I mean, we still.

[Scott]

Still do it.

[Monica]

No, I'm just saying.

[Scott]

You're saying like maybe once, twice a week. Yeah.

[Caleb Hammer]

Oh, okay.

[Monica]

No, But I'm just saying. You're saying I'm getting railed.

[Caleb Hammer]

Okay, I was with you. Calm down. My goodness. Freak.

[Monica]

Cause I'm anti. Anti everything like that.

[Caleb Hammer]

Anti what? Okay. Rip to you. Do you arch porn?

[Scott]

No.

[Caleb Hammer]

At all?

[Scott]

No.

[Caleb Hammer]

Ever?

[Scott]

No.

[Monica]

At least a human trafficker 4 maybe

[Scott]

but I don't think a lot of

[Monica]

it they're getting human.

[Caleb Hammer]

There's probably some bad stuff but I don't think every.

[Monica]

Maybe not every single

[Caleb Hammer]

ones that just a creator themselves makes. I don't know. I'm not saying you should pay for it either. I mean can be damaging and unhealthy for many people. Many men especially. But like there's also okay consumption if you can manage it just like anything just like you at the casino.

[Scott]

So you recommend paying for.

[Caleb Hammer]

No, I just said probably not pain but.

[Scott]

Well you said like because you said for people who created themselves.

[Caleb Hammer]

Give me your phone.

[Scott]

My phone? Huh? Why?

[Caleb Hammer]

Give me your phone.

[Scott]

Why?

[Caleb Hammer]

Let me see it.

[Scott]

Why? Because I'm gonna see her phone.

[Caleb Hammer]

No, I want to see your phone. Guy that doesn't watch his.

[Scott]

I don't.

[Caleb Hammer]

You can take it on your phone.

[Scott]

No, you can see hers.

[Monica]

What are you hiding?

[Caleb Hammer]

Yeah, why wouldn't you let me look at your phone?

[Monica]

Why the are you not giving him.

[Scott]

I just. I don't want that. I don't want that right now.

[Caleb Hammer]

Don't want that right now.

[Monica]

Is wrong with you.

[Scott]

I don't want it right now.

[Monica]

Why are you not giving him the phone?

[Scott]

No, not right now.

[Monica]

Maybe is wrong with you.

[Caleb Hammer]

Yeah, that's. Dude, that's sketch.

[Scott]

Maybe later.

[Caleb Hammer]

No, give me your phone.

[Scott]

No, not right now.

[Caleb Hammer]

Why?

[Scott]

Because.

[Caleb Hammer]

Give me a good reason.

[Scott]

A good reason? Yes. I mean I guess there's. There's no good reason because you watch.

[Caleb Hammer]

No, come on.

[Scott]

I don't.

[Caleb Hammer]

I'm not gonna look for anything else.

[Scott]

Only. Only.

[Caleb Hammer]

Yeah. And if you don't watch then you don't have to be worried.

[Scott]

I mean sure.

[Caleb Hammer]

Ah, good. Enough pressure, enough caving. Yep. Now Android not as familiar.

[Monica]

Good.

[Caleb Hammer]

And just if he watches doesn't mean he's a bad guy. Just going to let you know. Okay.

[Monica]

Oh, he would be. That's like almost cheating.

[Scott]

She's like not a big fan at all.

[Caleb Hammer]

Okay, why don't you go ahead and log in since there is an email address associated with. Only it's your Hotmail email.

[Scott]

Which email?

[Caleb Hammer]

Never mind. The password auto filled. It didn't do like a face ID.

[Scott]

What email?

[Caleb Hammer]

Believe this stupid idiotmoron. Hotmail.com.

[Scott]

that is my email.

[Caleb Hammer]

Yes that's why it auto filled yeah so it's auto filled that's actually crazy it better that happen I are you

[Scott]

sure that tab's not old?

[Caleb Hammer]

It's not I went to the website

[Scott]

but it auto filled what do you mean auto filled?

[Monica]

Your login information Are you logged into an account?

[Scott]

I don't even have an account I really don't and if there is one I don't know the password uh huh that's wild. Sure I'm being for real he's being

[Monica]

for real Are you in an account?

[Caleb Hammer]

I'm clicking around and learning things

[Scott]

just

[Caleb Hammer]

you know looking so far the Reddit is clean I'll give you the clean bill of health on Reddit not so okay besides the thing the rest was relatively clean I'll look at a search history in the post show just to be extra safe thoughts on the situation

[Scott]

I really did scandal I really I

[Monica]

really don't going to be a problem

[Caleb Hammer]

well yeah probably old if it's that's

[Monica]

okay but I'm like but not before

[Caleb Hammer]

you guys were together I don't think it's going to autofill three years later I mean that would be pretty it

[Scott]

might like cookies and cash command I

[Caleb Hammer]

don't know that's got to be brutal one it's got to be crazy so honestly I'm going to read the situation with what you're doing I know you guys are getting married you've been together for a while you seem more interested and turning him into the man you want instead of actually finding the man you want seems like you're trying to construct him into someone. Why not? I don't know. You'd probably be a weird incel loser without her so maybe maybe that's why

[Scott]

you're afraid of leaving incel losers are

[Monica]

like you could huh Possibly I think maybe no way. You were a loser when you were

[Scott]

living I was not a loser.

[Monica]

I mean being a partner just because I smoke a little bit video games all day the brother pushing for unemployment

[Scott]

I was never going to do that.

[Monica]

I'm just saying that's not you didn't

[Scott]

have a job me playing video games

[Caleb Hammer]

chilling I mean I'm being told his family thinks he's completely changed and that you blame him or they blame you for changing him and ruining him and that you've made him give up almost everything he likes to become the man you want like that's kind of weird

[Monica]

man he needs to be successful in

[Caleb Hammer]

life sure but he's allowed to also enjoy some video Games and.

[Scott]

Exactly.

[Caleb Hammer]

Friends and stuff like that. He doesn't.

[Monica]

He doesn't have friends here. They're in Colorado.

[Caleb Hammer]

Yeah, okay, so maybe he wants the game with them.

[Scott]

Exactly.

[Caleb Hammer]

He does.

[Scott]

I don't get a lot of that anymore.

[Monica]

Like one or two days a week.

[Caleb Hammer]

Ah, that's it. Why do you control him so much? And what is he allowed to do in those one or two days a week?

[Monica]

He games all night.

[Scott]

Some not.

[Caleb Hammer]

And you've banned his brother and sister in law from the wedding as well?

[Monica]

Like sister in law? No. Yeah, No, I love this.

[Caleb Hammer]

Oh, sorry. Brother and sister. Okay. But brother.

[Scott]

I do have a brother.

[Monica]

Oh.

[Scott]

And his wife.

[Monica]

Not his sister. Like the brother's wife? Yes.

[Caleb Hammer]

How do you feel about this? She's like owned you. She's changed your life. She's banning family.

[Scott]

It's gotten a lot better.

[Caleb Hammer]

How's it getting better? She's banned your brother.

[Monica]

He tried to sue him.

[Scott]

Yeah, he did.

[Monica]

He tried to sue them.

[Scott]

I'm not too big of a fan of him anymore.

[Caleb Hammer]

Okay, well, maybe that one's the best then.

[Scott]

About the other stuff. I do wish I had a little more freedom. For sure.

[Monica]

I don't think freedom is good. Not when you're smoking a bunch of weed.

[Caleb Hammer]

Sure, but allow him to have some fun. And also like hitting a joint here and there, like, I don't do it, makes me anxious. But I'm not like horribly imposed. Is he bacon all day then? Yeah, that would be. That would be bad.

[Monica]

I just think weed is why I drink.

[Caleb Hammer]

I mean, it smells gross, but. Yeah. So you're okay with him drinking?

[Monica]

Yeah.

[Scott]

Why?

[Caleb Hammer]

Okay, make that make sense.

[Scott]

I used to never drink.

[Caleb Hammer]

Come on.

[Scott]

And I quit weed. Now I drink.

[Caleb Hammer]

Like that makes sense.

[Monica]

There's studies that are coming out that like, smoking weed is so bad.

[Caleb Hammer]

Yes. But also there is not one actual real scientific study that says any amount of alcohol is good for you.

[Monica]

I know, but I'm just like.

[Caleb Hammer]

It's all. It says there's one drop personality.

[Monica]

It's not good.

[Caleb Hammer]

So you put them on alcohol, one of the most addictive substances on the planet.

[Monica]

Obviously I want him to drink less.

[Scott]

Yeah. She thinks I drink.

[Caleb Hammer]

Oh, she does. Great. Oh, I mean, how much is being drinking?

[Scott]

Like what? I don't know. I'll have. If I'm gaming, which is usually like Tuesdays and Fridays, I'll have like seven, eight beers.

[Caleb Hammer]

What the. That's crazy. So you actually might be right then.

[Monica]

Yeah.

[Scott]

That's two days of the week.

[Monica]

Pretty soon we're gonna become this Country.

[Caleb Hammer]

That's an insane amount for a single city.

[Scott]

What's normal for a single city?

[Caleb Hammer]

A couple beers.

[Scott]

So you go out to the bar and you have what, two beers?

[Caleb Hammer]

I don't drink, but a couple beers would be normal. Yeah, if you're getting shit faced, that's insane.

[Scott]

I'm not getting shit faced because it's a course of a little bit.

[Caleb Hammer]

Eight beers is insane.

[Monica]

But it's also his tolerance because he drinks so much.

[Scott]

Yeah, well, if I could smoke a little weed, I wouldn't drink as much.

[Monica]

I just think substance maybe.

[Caleb Hammer]

He is a loser. Why can try to construct a dream man. What is he providing that you seem to really want to construct him into versus you going in like I think. I don't know. I mean, show me your Instagram.

[Monica]

I don't really have followers on that.

[Caleb Hammer]

I thought. It's not about that. I don't care.

[Monica]

Okay,

[Caleb Hammer]

because you got tits. But I can't tell if you're fat or not. Okay, you're not fat. You're not fat. You could probably go get. Yeah, there's a bathing suit picture. She's attractive. You could probably go get most men

[Scott]

like she's brought it up before the ugly.

[Monica]

I have not brought.

[Scott]

Yes you have. Yes, you have.

[Monica]

Well, that I could get some girlfriend's friends in town.

[Caleb Hammer]

She's been on bumble for a week here. She got 4000 likes. Like you guys have the ultimate W in the dating pool now it's everything's been engineered for women.

[Monica]

I've heard that dating is so bad now.

[Caleb Hammer]

It is. But you could seriously with the selection you have find the dream man. You really could. Why put up with. You are a loser. A loser. Why try to construct them into something?

[Scott]

Don't think I'm a loser.

[Caleb Hammer]

Genuinely a pretty attractive person. I. You know, I. It doesn't matter if it's not my type, that's whatever. But I can tell you would do well. Okay, I could tell you would do well. You got tits and you're not fat. And honestly men want based women today. It just kind of is where it is. So why I'm confused. Why you want to do this?

[Monica]

Because I love him. Why?

[Scott]

Why?

[Caleb Hammer]

What are you seeing?

[Monica]

His personality.

[Caleb Hammer]

What about it? The personality. Everything you've complained about. He's lazy, he has no ambition, he drinks, he smokes, he's a loser. What's the personality like?

[Monica]

I don't know. He's good.

[Scott]

It's actually a good question.

[Caleb Hammer]

No, you know what it is? I'm being told you wanted marriage at 18. You're just rushing in like the first dude to pick you up because you have this dream of this ultimate trad life. Dumb. That's what you want. And you've rushed into a dude that honestly might be a loser.

[Scott]

I do feel like you kind of robbed me of my early years.

[Caleb Hammer]

Okay, that's gonna hold resentment over your long life. What the. That's insane.

[Scott]

I mean, I do feel like we're going fast. I mean, we're getting married next year and I mean, I'm with him.

[Caleb Hammer]

You broke with with. You broke up with him before because he was partying too much, but you immediately got back with him, so it didn't even matter. I have an exclusive offer just for you, but there's only one week left to purchase. For a one time payment of 500, you'll get our entire Hammer Elite catalog for life and a limited edition Hammer for Life box packed with limited edition merch you can't get anywhere else. Plus, you'll get access to our exclusive 4 hour Hammer Elite Day live stream on June 27th. Plus I just launched the brand new Hammer Elite app available on every major platform. You'll get three exclusive dedicated shows every single day, Monday through Saturday. And to celebrate the app launch, I'm offering 30% off the annual plan in the month of June. Only. Download the Hammer Elite app by using the link in the description or pinned comment below. This is the best membership you'll ever join, and that's a promise. If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. 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. This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome? That's new. It can help you with practically anything on the web, like restoring a vintage mobile motorcycle from a 50 page restoration block. Or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it, ready to make anything online make sense. There's no place like Chrome. Check responses set up required compatibility and availability varies 18 view 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 and 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? Why? Why are you trying to change someone instead of finding someone that is better for you? I know you've been with him a while, so you probably have some like sunk cost. Well, what do you love about his personality?

[Monica]

Hold on.

[Scott]

Huh?

[Monica]

Hold on.

[Caleb Hammer]

Huh? Oh, cry. I can comfort you or yell at you once I know what you're crying about.

[Monica]

It's just very real what you're talking about.

[Caleb Hammer]

Well, yeah, it's your life. Dude, he is a loser. I'm not trying to get people to break up, but maybe you guys aren't the match. And honestly, I. It's not that I. I'm not advocating for you guys to break up because I don't know you enough for that yet. But with everything you're saying you want and everything you're saying he is. You guys are 23 and 21. If there's a time to figure out that maybe you guys aren't to get ready, if you guys aren't the match for life, that age is kind of the best age you do. At least you're not doing it mid-50s.

[Monica]

Yeah.

[Caleb Hammer]

Wouldn't you rather figure that out now? Especially before $30,000 marriage. I don't know.

[Scott]

I feel like we're both scared to leave each other.

[Caleb Hammer]

And why? I don't.

[Scott]

I don't know.

[Caleb Hammer]

Okay, you. If you're gonna drop that, you have to give me some insight.

[Monica]

Failure.

[Scott]

Failure. Being alone.

[Monica]

Being alone. Failure.

[Caleb Hammer]

Okay, neither of you gonna be alone. You're both attractive and you're both successful. Relatively income. You're both gonna be fine. You're both gonna do well in the dating market. You won't be single. This episode is brought to you by State Farm. Listening to this podcast instead of doom scrolling smart move.

[Monica]

Another smart move getting help from one

[Caleb Hammer]

of State Farm's 19,000 local agents. When you choose to bundle home and auto bundling. Just another way to save with the personal price plan. Prices are based on rating plans that vary by state. Coverage options are selected by the customer. Availability, amount of discounts and savings and eligibility vary by state. Go for one. Okay. Easier for you because you're a woman. Just how it is right now. But you'll. You'll be fine too. So that's our. Is how it's preventing someone from making a move.

[Monica]

I mean, I never think about it.

[Caleb Hammer]

But you are now.

[Monica]

When things get real. I mean, it is real.

[Caleb Hammer]

This is the rest of your life.

[Scott]

I've thought about it.

[Caleb Hammer]

Why tell me?

[Scott]

I mean, it's just scary. I don't know if I could give her what she wants. I don't know if I could be the man she wants. Do I want that? Really? I don't think I want to be married early.

[Caleb Hammer]

I don't think he wants it. And that's okay. He doesn't have to. But you guys shouldn't force each other into the lives that each other demand. Yeah, like, that's unknown. That's not healthy. That's not healthy.

[Monica]

Yeah.

[Caleb Hammer]

I'm sure you guys enjoy some things together. I'm sure you have some things you do mesh on. I'm sure you enjoy the travel together. I'm sure your guys's families are okay together. But if you are trying to reconstruct each other to fit a perfect mold, it might not be the right match. And that's okay. You don't have to be. Maybe you guys are great friends,

[Scott]

but like, I think that's why we travel so much. Because it's. It's paradise. It's hard to be mad at each other. It's hard to.

[Caleb Hammer]

How often are you guys mad at each other?

[Scott]

Not. Not really often. But I mean, we still don't talk

[Monica]

about anything real, so it's like when

[Caleb Hammer]

to avoid that conflict.

[Monica]

I mean, maybe. I don't know because I feel like he's just getting resentful. And it's like I've always known what I want and I've always told him what I wanted, but he's not that.

[Caleb Hammer]

So why would you make that him? And why would you stick around for that? I like. I'm sorry. Why would you just allow resent to build and then waste their time?

[Scott]

I mean, I. I feel like it'll be a more fulfilling life than what?

[Caleb Hammer]

Sure. Don't do anything. And also you're resentful because you just want to game with the boys and down abs.

[Scott]

Not resentful.

[Caleb Hammer]

Did you gaming with the boys down in eight beers.

[Monica]

You are resentful.

[Caleb Hammer]

You don't want to do this other job.

[Monica]

Like I've taken away your young years, which I don't even think like just a thought.

[Scott]

It's just a thought.

[Monica]

Yeah, but if you're thinking it, you're

[Scott]

just not saying you have never thought of anything.

[Monica]

No, because I want to get married. I want to settle down.

[Scott]

I know, but you've never thought about it might be better.

[Monica]

I mean, sometimes because I'm like, maybe I wouldn't have to push so bad for someone to excel.

[Caleb Hammer]

Yeah, she shouldn't have to be like a little push here or there is. Okay. But if she's having to relentlessly push you to try to have any kind of ambition. That's someone who's never going to have ambition.

[Monica]

That's what my mom says.

[Caleb Hammer]

That's how does that make you feel? And your mom's right on that, by the way. And that's okay. Also, you don't have to have ambition. That's your life. If you're. You don't have a bad job, if you want to settle at that job, that's okay. There's nothing wrong with that. But again, maybe it just means you guys are not a match and that is okay.

[Scott]

I mean it's nothing. I don't know. Like her mom. I know she feels that way. I think she likes me to some. Some degree.

[Caleb Hammer]

But does she?

[Monica]

I mean she likes how much like he's grown. Yes. And she sees the potential.

[Caleb Hammer]

But all through your push.

[Monica]

Probably. Yeah. Because I've pushed for everything.

[Caleb Hammer]

Okay. Yeah. I guess her mom has a lot of opinions. So we might call in the post show and see what she actually thinks about Mr. Scott over here. Guys, like. I don't know. I guess I'll do the financial audit for the house. But I think we're learning something big here. I. I'm not advocating for the breakup

[Scott]

as fast as we're going.

[Caleb Hammer]

Come on, you guys have been together for three years. That's not necessarily fast.

[Scott]

No, but I like. But then right after having kids and doesn't have the income for it. I.

[Caleb Hammer]

What? No. You guys have the income for it.

[Scott]

No, but she wants to be a trad wife, which is cool.

[Caleb Hammer]

Okay. You guys might not have a perfect income for that.

[Monica]

I know I would want to work from home until you build up to that because I know with plumbing you go.

[Caleb Hammer]

Are you work from home now?

[Monica]

Hybrid.

[Caleb Hammer]

Okay. Would they let you possibly.

[Monica]

Yeah.

[Scott]

Okay. Okay.

[Caleb Hammer]

Cuz. Yes. You objectively make enough to have like a 10 kid household. Happily.

[Monica]

10, 10 kids.

[Scott]

Wild.

[Caleb Hammer]

No, it's wild. I'm not saying that. I'm saying your financial situation. Dude, people are doing tedkins on the farmstead homesteads making nothing. They were starving.

[Scott]

Times are different now.

[Caleb Hammer]

Yes.

[Scott]

Are you saying right now your time is.

[Caleb Hammer]

You make 120,000 hours a year. They're gonna live a good life.

[Scott]

That'll be cut in half.

[Caleb Hammer]

How many kids you want?

[Monica]

Just two.

[Caleb Hammer]

No, she said she's working remote until you build up.

[Scott]

Well right, but.

[Caleb Hammer]

And do three so that you're actually adding to society.

[Scott]

Three?

[Caleb Hammer]

Yes, please.

[Monica]

Because of the baby decline.

[Caleb Hammer]

People like enough.

[Monica]

Yeah.

[Caleb Hammer]

We need kids or else we got a lot of more brown people, which is really going to upset you. I bet he has opinions on H1BS, especially in Dallas. Am I right, guy?

[Scott]

Oh, yeah.

[Caleb Hammer]

I wish I could get him to talk. I'm so curious. Oh, she said the magic word.

[Scott]

What'd you say?

[Caleb Hammer]

See, she said Frisco.

[Scott]

Oh, yeah. Frisco, Texas.

[Monica]

Well, H1B's. That's Frisco.

[Scott]

Oh, yeah. I don't go there that often. I don't like that place.

[Monica]

I love Frisco.

[Caleb Hammer]

Isn't Frisco super nice?

[Monica]

Frisco's really nice.

[Caleb Hammer]

It's just like. It's super nice.

[Monica]

I love Frisco.

[Caleb Hammer]

It's where the soccer stadium is. Where. That's where the Cowboys HQ is.

[Monica]

I would live in Frisco.

[Scott]

Have you been there recently?

[Caleb Hammer]

No, but also. Listen, I. Okay, what about it?

[Scott]

Come on. If you're talking about anything, look up fresco test.

[Caleb Hammer]

They're not dangerous.

[Scott]

They're not dangerous.

[Caleb Hammer]

So why not go there?

[Scott]

It's.

[Caleb Hammer]

Get yourself some tikka masala.

[Monica]

Oh, I love that.

[Scott]

I don't really like the food. Yes.

[Caleb Hammer]

Okay. She has. Okay, she's gaining. She's winning me back.

[Monica]

Well, I got him to try Thai food yesterday.

[Caleb Hammer]

Because you've never had Thai food at 23.

[Monica]

Well, he won't eat Thai food. Incredible.

[Scott]

It's pretty good. What?

[Caleb Hammer]

Thai food's so good.

[Monica]

So good.

[Scott]

Figured that out. Figured it out, buddy.

[Caleb Hammer]

Okay.

[Monica]

You're actually Indian food.

[Caleb Hammer]

She may have.

[Scott]

Because I don't eat a certain.

[Caleb Hammer]

She may have been drunk. Dude, you won't go to Frisco. The same. Like, I get it. We can have complaints about maybe, like, some cultural things. We could have complaints about H1B visa process. We can have complaints about border processes. We can get that.

[Scott]

But I'm sure you avoid certain areas

[Caleb Hammer]

in Austin, not places like Frisco. Frisco is objectively a nice place, a safe place.

[Scott]

It's nice, sure. And it's safe.

[Caleb Hammer]

So why avoid? That makes. I don't.

[Scott]

Wait, I'll go there. No, he said avoid.

[Caleb Hammer]

He said.

[Scott]

No, I didn't.

[Caleb Hammer]

Yes, he did that. He said, I heard it.

[Monica]

Did he say it?

[Caleb Hammer]

Yes. Everyone's saying yes, you said, my bad.

[Scott]

I will go there.

[Monica]

I'm just not a big fan about being clean.

[Caleb Hammer]

Why aren't you a big fan?

[Monica]

Ocd, probably, like about.

[Scott]

There's a whole lot of people, a lot of population.

[Caleb Hammer]

It's such a clean area. It's a clean area. It's walkable clean. Some walkable clean.

[Monica]

I'm sad about, like, Texas not being walkable, though.

[Caleb Hammer]

Hold on. She's winning me back here.

[Scott]

The architecture is ass.

[Caleb Hammer]

Girl. Marry me and my girlfriend. Join us. We will provide you babies and everything you want. And we're rich and not losers. He sucks. And we live in a walkable area. Okay. We got your life. And yes, you know what? I. I invite some black people over to my house. You'll just have to hide for that, and then it'll be okay. Okay. I do want to head into the money part. I just. Honestly, I don't. I really don't know if you guys should actually be together. I. I'm gonna. I'm being candid in that. Like. Okay, yeah, yeah, we're joking a lot. I'm sure you guys actually really like each other and love each other and have good things and get along and enjoy the travels and, you know, life won't be horrible, but if there's resentment building and if you're having a recon, if you. You do not have the same life paths and what you want in life, just be very clear on that, and that's fine. And you might have gone along with it, but I think you guys might be good friends. It might be an okay match. I don't think you guys are maybe the right match. Because if you guys are not together and what you want for life and you have to endlessly push each other to be someone that you're not, that's not a forever life match, and that's okay. That is not a bad thing. That's fine. And that doesn't mean you guys don't love each other. It doesn't. But it might mean there's just a better match out there. And now's the time to figure that out. Okay. It's not a bad thing. That's not a bad thing. Doesn't mean you guys hate each other. Okay. I just need to be very clear on that. I don't want you to run to the extreme side and think I'm saying you guys are just horrible for each other because. But you guys might not be life partners, and that's okay. Just reading as I see it.

[Scott]

Probably have to talk on the way home. For sure.

[Caleb Hammer]

Long three hours.

[Scott]

It's like the GoPro five hours.

[Caleb Hammer]

Yeah. We should. We should mission. We should. Mark, can we go get a GoPro? Yeah.

[Scott]

Yeah.

[Caleb Hammer]

Well, why are you talking to Christian? I'm not. Can we record it?

[Scott]

It damn sure.

[Monica]

I don't care.

[Scott]

Okay.

[Caleb Hammer]

Yeah. Let's do it first. GoPro. You can see what their conversation looks like. In the Hammer Elite membership. They're. They're post filming on the ride home. Membership will be a part of the Hammer Elite membership, the first one ever.

[Monica]

I've always wanted to do so much is not good.

[Caleb Hammer]

I know. Should have been a fan of the show. But they always are. What do we think our household financial score is? 0 to 10. 0 being the worst, 10 being the best.

[Monica]

Two together is hard together.

[Caleb Hammer]

Now we're not married, but we're going off together like one. Okay, ladies and gentlemen, if you want your Hammer Financial score, get it for free. Get it for free. Just takes a few minutes. At calebhammer.com you can see where you stand in the world of money. Where you're doing great, where you're doing poorly. And if you don't want to be like guess who end up on the show because this is a lot of debt, let me tell you. Download the dollar wise budgeting app, start a free trial, see if it works for you. Most people sign up for the annual version after the trial because saves almost 50% and you get my 30 day budget meal plan signed by me mailed directly to you along with the digital version of the cookbook. So there you guys go. No more meal prepping. If you're going to stay at home, stay at home and cook.

[Monica]

I do every night.

[Caleb Hammer]

Really?

[Monica]

Yeah, I do every night.

[Caleb Hammer]

Besides like random things besides the goalpost that's being pushed. No, you're right. I mean you guys spent a lot of money on bullshit but I wasn't going out to eat.

[Monica]

Yeah.

[Caleb Hammer]

It's just other things. Now another concerning thing here on just like that previous topic and we are going to move forward but this is on the income side. Like dude wants to be a streamer and you about. And you, you flipped out on the phone. When you were learning that on the phone you were flipping out because I

[Monica]

just think that it's not gonna happen.

[Caleb Hammer]

Like so many people, you guys are aligned because you're not aligned on life.

[Monica]

Like so many people try to stream and they make no money and you have to do it for so many

[Scott]

hours a hobby until you blow up, clip it, post it on.

[Caleb Hammer]

She wants you to go out there and make more money to provide for the house so she can be a stay at home wife, mom tradition.

[Scott]

And that would be a good avenue, make a lot of money.

[Monica]

It's not as a hobby. Everybody blows up and then you. And then you're spending so much of your time. It's like insane.

[Caleb Hammer]

I'm also concerned what the. You're afraid of me finding on your phone still what hits your account currently? I didn't get that number on a monthly basis.

[Scott]

Monthly 36.

[Caleb Hammer]

No. You make less than her but you bring in more.

[Scott]

1800.

[Monica]

Yeah, well it's because I have a lot going into my 401k and then also health benefit should you in the

[Caleb Hammer]

401k if you have this much debt. Or is this all him? Is that an other thing? He's not only a horrible match for you.

[Scott]

It's definitely not on mine.

[Caleb Hammer]

But he's bringing in all the debt. Then why are you contributing so much to your 401k? You should only be contributing to the match.

[Scott]

Trips.

[Caleb Hammer]

Why are we doing that? What other trips did you do this year? We got the two.

[Scott]

She was going to Italy. She is going to Italy.

[Caleb Hammer]

Yeah, but you said you went to eight so far.

[Monica]

Well, the rest are just like weekend trips.

[Caleb Hammer]

Like mostly to see family lady, that's money. Yeah, you can't afford that.

[Monica]

Yeah.

[Caleb Hammer]

Who's the sapphire preferred?

[Monica]

Me.

[Caleb Hammer]

What the is wrong with you? Want to be a stay at home wife. But it has a balance of $5,364.

[Monica]

That's trips. No, that's just Italy.

[Caleb Hammer]

Does that mean it's good?

[Monica]

No.

[Caleb Hammer]

Then why the are you trying to say oh but that's the city. Like what the are we doing? How do you. Why do you think you are allowed to spend $5,000 to go to Italy? In what world do you think you are entitled to do that?

[Monica]

This is our last. Like me and my mom are going our last.

[Caleb Hammer]

She can pay for it. She can pay for it then. Because if you want to be a trad wife, you don't get to have both. If you're trying to survive off for

[Monica]

a while before he could even do that.

[Caleb Hammer]

But you're pushing that while even further because you're spending so much money on things that don't matter.

[Monica]

Matters to me.

[Scott]

She thinks it's okay.

[Caleb Hammer]

But which one first? Because listen, if you if you're financial goals are to travel the world, I'll structure this around this. But so far it makes it sound like the trad wifedom is more so

[Monica]

I'm structuring this conversation around him but he is not there yet. So what's the point of even trying?

[Caleb Hammer]

Because you're making it further and further and more and more he has to make to get you there.

[Monica]

I'm going to pay off my debt before I even quit working.

[Caleb Hammer]

So it could be going towards an emergency fund that is fully maxed out and Paying off his debt as well, which gets you there quicker. Italy doesn't sound like more important. If it is, we can focus your conversation on more travel, but it sounds like trad wife is more important. So that's why I'm structuring the conversation around. Am I right or wrong?

[Monica]

Both are important.

[Caleb Hammer]

Which one's more? Choose. Choose. If sounds like tricks under your head, choose and I'll go get one. Have a 3000 shotgun ready to blow someone's head off if they're breaking in because of him.

[Monica]

If he was making more.

[Caleb Hammer]

No, no, no, no, no, no, no. Choose one. Okay. There you go. So that's where the conversation is going to go. Massive minimum payment comes with the card. $1,267.58.

[Monica]

Yes.

[Scott]

That's the minimum. Yes.

[Monica]

So I don't get interest off it.

[Caleb Hammer]

Fees accruing while you are getting interest? Interest?

[Monica]

No, no, no.

[Caleb Hammer]

Well, there is interest accruing on the credit card. Yes, there is. $28 a month currently.

[Monica]

Oh.

[Caleb Hammer]

Because of the balances that accrue interest

[Monica]

for the huge balance. So then there was like, why the

[Caleb Hammer]

minimum payments are so high but still accruing interest.

[Monica]

Yes, but.

[Caleb Hammer]

And fees. The fees are from the payment fees? Most likely, yes. The plan fee. Plan fee. Plan fee, plan fee. Norwegian Cruise. American Airlines, probably. American Airlines, Chase Travel. Norwegian Cruise again. So you've paid for fees? 318 this year so far just to get these extra bullshit.

[Monica]

But I think it's still interest, right?

[Caleb Hammer]

Yeah, but it's still fees. It's still bullshit. Money that you can't afford, you can't have taken away from you right now in this financial position. You really can't. And what are you doing? Of course. Apartments, dot com. You're paying for that.

[Scott]

Oh, that's all right.

[Monica]

That's all right.

[Caleb Hammer]

$31. No.

[Monica]

Oh.

[Scott]

That was our application to apply.

[Caleb Hammer]

Oh, Doordash. Doordash and Culver's. You have that taste again. Join me and my girlfriend. Leave that man. We'll have Culver's every day. My girlfriend will give you babies. This guy.

[Scott]

Nah, the doordash is bullshit.

[Monica]

I only do.

[Caleb Hammer]

I agree.

[Monica]

Why aren't you.

[Caleb Hammer]

Wait, wait. Didn't you just say you cook everything? No, no.

[Monica]

That's lunch to the office. Okay.

[Caleb Hammer]

You pack lunch.

[Monica]

I know.

[Caleb Hammer]

Come on. You're a trad wife. Pack lunch. That's like your job.

[Monica]

I would.

[Caleb Hammer]

You would?

[Scott]

They do.

[Monica]

I saw that. I don't eat out often, so it's

[Caleb Hammer]

like, well, Culver's Jersey Mike, like you

[Monica]

and Then another place you were.

[Caleb Hammer]

Huh? Great. But you still are. You still are adding to a balance that is accruing interest that is preventing you from your. That's not even traveling. And then there is the. Well, doordashing gold and golden something chicken.

[Monica]

Oh, golden chick.

[Caleb Hammer]

Yep. And then American Airlines.

[Monica]

Have you had golden Chick?

[Caleb Hammer]

Yeah. Yes, it's fine. The biscuits are incredible.

[Monica]

Did you get the spicy? The spicy is good.

[Caleb Hammer]

All right. She likes spicy. She's spicy. I get her. She's not that way. Fees like crazy, man. 1474 in just a month with your payment plans. Like this is insane. So no spending money on that. Doesn't make sense in this situation if you're trying to get to that goal. Listen, if this is the life you want to live, that's fine.

[Monica]

The payment plan or the interest? I'm actually curious.

[Caleb Hammer]

Neither of these purchases.

[Monica]

No, no, no. But if I were to make the purchases, do you think the payment plan is still doesn't.

[Caleb Hammer]

That's an impossible question. It's an incorrect question. Cuz the correct answer is neither. Because it doesn't align with your goals. You.

[Monica]

Okay, so.

[Caleb Hammer]

Stop. Stop. You're being spoiled. Think you deserve everything in this world. You don't.

[Scott]

That was just one card.

[Monica]

Yeah, that was one card.

[Scott]

Wow.

[Caleb Hammer]

Who's blue cash every day?

[Monica]

Me.

[Caleb Hammer]

You're. Dude, you are so it has interest free currently, but it won't be forever.

[Monica]

Oh, that one. It's because he owed me money on that one. And my wedding dress was on there, but he owed me.

[Caleb Hammer]

What are you talking about?

[Scott]

Yeah, I owed her like a thousand

[Monica]

seven hundred he owed me. So then that was all put on that card. Plus my wedding dress.

[Caleb Hammer]

Did you put whatever you put less on it than you spent towards. Takes 11 years to pay off minimum payments only without any purchases, your kids will still be 0 years old. Cause you're never gonna get to your goals.

[Monica]

Probably.

[Caleb Hammer]

Yeah, RIP.

[Monica]

11 years is not that bad though. But I don't do it.

[Caleb Hammer]

It is if we're trying to get to your goal.

[Monica]

But I don't do minimum payments. You can see that, right?

[Caleb Hammer]

You're right. You actually purchase more on it than you put towards it, so it doesn't even matter. Let's see. You're actually doing even worse.

[Monica]

Okay.

[Caleb Hammer]

Than just a minimum payment without purchases. So what the are you trying to tell me, huh?

[Monica]

My wedding dress is on there?

[Caleb Hammer]

I don't give a shit. Why do I care about your dress? I don't give a about your dress. Your dress.

[Monica]

I don't care it's pretty.

[Caleb Hammer]

No.

[Monica]

It's pretty.

[Caleb Hammer]

No.

[Monica]

Yes.

[Caleb Hammer]

Well, you have to return it because you guys shouldn't be together. Blue Cash. And I actually mean that genuinely, by the way. Not because I hate you guys, but because I've. I think we've all known couples that are trying to make the other person be who they are not. And it does not end up well. Even if you guys love each other. Does not end up well. Good luck. $53.69. It's your minimum payment, of course, spending more on it than we're purchasing. It's a $2,684.52. What are we getting into Ryzen Wireless? Like $2? It was like a fee. We're doing. Getting gas.

[Monica]

Ton. $2. I had a gift card and that was just the remaining.

[Caleb Hammer]

Okay. Netflix, potentially. Maybe groceries. I don't know. Where do you get groceries?

[Monica]

It's different every time.

[Caleb Hammer]

Where do you get groceries?

[Monica]

Mostly Walmart, Thrive Market, Trader Joe's, sometimes Disney plus. There's a bunch of places.

[Caleb Hammer]

Maybe bullshit. Maybe groceries. I don't know. That's hard to tell.

[Monica]

If it's Walmart, it's probably groceries.

[Caleb Hammer]

But you're still putting it on a card that will be interest accruing.

[Monica]

That one's not interest yet.

[Caleb Hammer]

Will be interest accruing, but it's not yet what I was saying. And you're not paying it off because you're purchasing on it. Okay. Oh, you have a balance without travel insurance. Wait, what is this? What is this balance on this cruise thing? You still have to pay. Well, we're not going.

[Monica]

We canceled the cruise. No, no, no. We canceled the cruise because of the plumbing thing, but then we just spent the 17 at Choctaw instead.

[Scott]

Yeah.

[Caleb Hammer]

What? At what?

[Monica]

Choctaw.

[Scott]

That's where we're at the casino.

[Caleb Hammer]

I hate you guys.

[Monica]

So it's.

[Caleb Hammer]

So the money's already gone. You don't owe it.

[Monica]

It's on a credit card. It's on my freedom.

[Caleb Hammer]

I'm. Kill me now. Kill me now. Is that a different card in here?

[Monica]

Yeah.

[Caleb Hammer]

Is that a me now? What are you doing? You spent seventeen hundred dollars at a casino. Plus the money you actually spend at the casino.

[Scott]

We saw a move.

[Monica]

Wow.

[Caleb Hammer]

That's crazy.

[Scott]

We played bingo.

[Monica]

We did count the stuff that we spent. The money that we spent gambling.

[Caleb Hammer]

Dude. So the lifestyle you guys are trying to live in your early 20s because you've been blessed with an incredible income is going to destroy your life.

[Scott]

That's why we're here.

[Caleb Hammer]

You guys are up everything. You guys are up every trying to learn. This isn't trying to learn. You're doing this now. You're doing this now. You lost $825 in the flights because they were non refundable.

[Monica]

Well now I've been booking non or refundable.

[Scott]

Huh?

[Caleb Hammer]

Oh now after you lost 825. Yeah. Good learning lesson.

[Monica]

Yep.

[Caleb Hammer]

You see how you're never going to end up to your goals. You're just losing money left and right with insane stupid behavior. Insane stupid behavior.

[Monica]

At least I get to see the world before I'm a parent, Before I'm a parent, before I'm a mom. I can see the world.

[Caleb Hammer]

That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to 200 in bonus cash right now when you sign up for the checking account that I use. Chime Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch financial audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Stop bleeding out money Making minimum payments across multiple high interest accounts Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of aligning some banks pockets. And look, if you're sitting on high interest credit card debt, a car loan at 18% or oh my goodness, a payday loan charging you triple digit interest rates, you need to hear that. This if you've already cut up the cards and built better financial habits, but you're still drowning in interest payments, barely making progress. This is for you. I have opened my very own marketplace, a personal loan marketplace that lets you get personalized offers from multiple lenders.

[Scott]

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[Caleb Hammer]

VIP access [e-mail] in one place you can see if you pre qualify in minutes and it won't impact your credit score. But here's the deal. This isn't a magic bullet. If you refinance your debt but keep swiping you're just making the problem worse. You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers. Or go to calebhammer.com and remember, you still got to do the work. My parents have seen the world.

[Monica]

Yeah, but then they're probably old when they're traveling, right?

[Caleb Hammer]

Like 50.

[Monica]

I don't know. I want to travel when I'm young and then have kids and settle down.

[Caleb Hammer]

When do you want to have kids?

[Monica]

When.

[Caleb Hammer]

We can put a timeline on this. If you're saying you have to travel

[Monica]

the world before then, like two years.

[Caleb Hammer]

Okay. I don't think you can travel the whole world in two years.

[Monica]

No, but I can get my travel itch out and then.

[Caleb Hammer]

No, you'll never get it out, dude. You'll never get it out.

[Monica]

I could do a cruise once a year. That's affordable.

[Caleb Hammer]

Yeah, I mean, that's fine, but that's not like. That's not. I wouldn't hardly consider.

[Scott]

Just.

[Caleb Hammer]

It's not like traveling that much. So you're going on a cruise, I guess.

[Monica]

But then you can pick the one that you go to a bunch of locations.

[Scott]

Okay.

[Caleb Hammer]

I guess once a year. It wouldn't be the worst thing. We could do that. But that's not what you do. That's not what you do.

[Monica]

I don't have kids.

[Caleb Hammer]

Gone on two cruises this year so far. I know, but you're trying to. In two years, you're not going to be able to. If you're doing this lifestyle you're doing.

[Scott]

I wanted to, you know, delay some things.

[Caleb Hammer]

You guys talk about money?

[Monica]

No.

[Scott]

Sometimes.

[Monica]

Not really.

[Caleb Hammer]

Two very different conversation answers. What do you mean?

[Scott]

Sometimes we'll have a conversation every once in a while. Say we're spending too much or I think we're buying some dumbass. Like, I feel like those clean paper towels we just bought.

[Monica]

Yeah, I got bamboo toilet paper because did you see the Plastic Detox on Netflix? So now I'm trying to go clean. Like, this is 100 cotton. I'm trying to, like, avoid all the top because it helps with fertility. Because people are having really big problems with fertility.

[Caleb Hammer]

Yeah, they're usually fat.

[Monica]

No, not necessarily. The six couples in there, three were able to conceive.

[Caleb Hammer]

Oh, and the documentary specifically about that topic. That's interesting.

[Monica]

I was just saying.

[Caleb Hammer]

Who would have thought? That's interesting.

[Monica]

How it works with a lot.

[Scott]

I'm talking about the paper towels, though. Are those bamboo?

[Monica]

Yes, those are bamboo paper towels.

[Scott]

Those are dumb because all we use them on is to clean up, dog.

[Monica]

It's still good to get rid of toxicism in the house.

[Scott]

I don't agree with that.

[Caleb Hammer]

You don't agree with that? I mean, it's fine, but I want to be spending a shit ton of money that we don't have throwing away our lives for it.

[Monica]

I'm not.

[Caleb Hammer]

Slow transition. What do you mean? Yes, you are. With all the paper towels, buddy. Everything is stacking up.

[Scott]

The second she saw that, it was a complete 180. And that's most things that she does. It's like she sees it, she wants it, she does it right then and there. Like that camera.

[Caleb Hammer]

And you control everything.

[Monica]

Yeah, I sold the camera, though.

[Scott]

She bought, like, this $1,000 camera, the G7X. I wanted it literally, like two days

[Monica]

after seeing it, but then I got it for 900.

[Scott]

What?

[Caleb Hammer]

Why do you need it?

[Scott]

She didn't even use it.

[Caleb Hammer]

She didn't use it. Your iPhone takes good photos.

[Monica]

No, I know. And then I sold it for 1200, so I got a profit.

[Caleb Hammer]

Okay, you got lucky.

[Monica]

Yeah.

[Scott]

Not even one time you got lucky.

[Monica]

I saw that it was selling for a lot of money, so I was like, if I don't like it, I can sell it. And I did.

[Caleb Hammer]

Are you a cuck in this house, man?

[Scott]

I don't think so.

[Caleb Hammer]

Because it doesn't sound like you can stand up for things. Say, hey, no, let's not get a coat.

[Scott]

I'm getting 2v1.

[Caleb Hammer]

What do you mean today? That's with you being racist. Other than that.

[Scott]

No, no, with her mom. Anytime with her. She asked every single time we have.

[Caleb Hammer]

I mean, her mom read the situation, right? Where if she has to push you endlessly throughout your life, you're always going to be someone that I don't.

[Scott]

That is, there's some times where I know I'm right. And her mom definitely thinks so, but she always sides with no right now.

[Caleb Hammer]

Huh?

[Monica]

My mom will tell me that I'm being stupid. Like, with the trip, she was like, stop doing that. And that's his stance. So I'm like, I don't know why you think that my mom will just not.

[Scott]

I can't come up with one on

[Monica]

the top of my head right now because she does. She.

[Caleb Hammer]

I need a sample if you're going to allege that, ma'. Am.

[Scott]

I don't know.

[Monica]

I just think she's Pretty like if I'm being stupid. She tells me. She's the first one to tell me about all these trips. She thinks I'm really stupid.

[Scott]

Maybe that because it is stupid.

[Caleb Hammer]

Okay, who has the ideal card?

[Monica]

That's the ring. But it's in my name. But it's.

[Caleb Hammer]

You have it on? No, you're not married. Well, okay, so.

[Monica]

Engagement ring. But it's lab grown, so it's not.

[Caleb Hammer]

How much was it?

[Monica]

Well, the set was 3,000, so we have the.

[Caleb Hammer]

We are going to return it, right?

[Scott]

I don't know if we can.

[Monica]

That's crazy. I don't think we can.

[Caleb Hammer]

We are going to.

[Scott]

They don't sell it.

[Monica]

I mean, they don't sell for a lot.

[Caleb Hammer]

You going to sell it?

[Monica]

They don't sell.

[Caleb Hammer]

You guys aren't staying together, right?

[Scott]

We have to talk.

[Caleb Hammer]

I. So. That would be crazy.

[Scott]

Guys.

[Caleb Hammer]

You are just not a match. I'm sorry. It's just the reality. I'm really sorry. I do feel bad about it. No interest accruing. That's fine. But it's going to take forever to pay off

[Monica]

the deferred. Look at the deferred.

[Caleb Hammer]

Yeah. When does the deferred end?

[Scott]

It's like July.

[Monica]

Yeah, but it's him making the payments.

[Scott]

I need one more payment.

[Monica]

It was 4,000 in July.

[Scott]

I need one more payment.

[Caleb Hammer]

No, you made the minimum only. What are you talking about? You have to pay 1,500. How much now?

[Scott]

Huh? How much?

[Caleb Hammer]

Thousand five hundred. You.

[Scott]

That's one payment.

[Caleb Hammer]

You paid 55.

[Scott]

Maybe for like two. Two of them.

[Caleb Hammer]

That's what you paid the last month.

[Scott]

I understand that, but that's one more. That's an easy, easy one more.

[Caleb Hammer]

Yeah, except you guys blow all your money, so maybe not.

[Scott]

We'll see. And so how much goes on there if. If July hits.

[Caleb Hammer]

Hundreds? Almost like a thousand.

[Scott]

Oh, so it's like two payments?

[Caleb Hammer]

Dude, why you want to be with the literal? Your kids are going to be so stupid. I'm not even kidding. That's not even a joke.

[Scott]

Payments.

[Caleb Hammer]

Who's the city double cash?

[Scott]

I think that's me.

[Caleb Hammer]

You think or you know?

[Scott]

That's me.

[Caleb Hammer]

Okay, well, interest is occurring. Why aren't you making large payments on it if you can make such big payments?

[Scott]

I'm paying off.

[Caleb Hammer]

That's what you said.

[Scott]

I'm paying off another card right now.

[Caleb Hammer]

What do you mean? What are you talking about?

[Scott]

There's another card. The Discover.

[Caleb Hammer]

Well, you better prove that when I get to it. Right now. This is accruing interest. It's at a thousand. No, sorry, it's at 944. $994. Minimum payment. $41.

[Scott]

What?

[Caleb Hammer]

What did you get? Why? Why? What's up with this card? Why is it so high? Oh, he's had a late fee this year, so. Yeah, he's really making late fee.

[Monica]

A late fee is crazy.

[Caleb Hammer]

He said a late fee. That's what you want to marry again.

[Scott]

What?

[Caleb Hammer]

It really sounds like I'm running a campaign to break you guys up. But like, you guys should probably break up.

[Scott]

No way.

[Caleb Hammer]

Yes. $41. That's a late fee.

[Monica]

That's crazy.

[Scott]

Where does it say. Wait, wait, wait.

[Caleb Hammer]

$41 is a late fee? I'm being told that says CSGO card.

[Scott]

Yeah, that is.

[Monica]

That's.

[Scott]

You think about it.

[Caleb Hammer]

So he has a late fee for buying skins for his guns.

[Scott]

It's the cases.

[Caleb Hammer]

You know that stupid.

[Monica]

Yeah, of course I do.

[Caleb Hammer]

And you're okay with it and him being late on this?

[Monica]

I'm not okay with it.

[Caleb Hammer]

Well, he's gonna keep doing it.

[Scott]

I've made the money back.

[Caleb Hammer]

You were late.

[Scott]

I mean, that interest is accruing.

[Caleb Hammer]

It's interesting. On the money that you made back,

[Monica]

why don't you have auto pay? I don't use the auto pay because I pay it beforehand. But I have it just in case I forget.

[Caleb Hammer]

Yes.

[Scott]

I'm worried it's going to overdraft.

[Caleb Hammer]

He does $100 once or twice a month for this shit.

[Monica]

That's insane.

[Caleb Hammer]

And that on top of everything against

[Monica]

Dax, not 100 or 200. I thought it was just randomly, like a random purchase.

[Scott]

It is random.

[Monica]

Not if it's like 1 to 200amonth.

[Scott]

It's randomly. When I'm feeling it, it. That's random.

[Monica]

I don't like that, bro.

[Caleb Hammer]

You guys. So discover it. Who's this?

[Monica]

That's my card. But he uses everything on there I have.

[Caleb Hammer]

I don't spend $1,088 on there.

[Scott]

On the discover it.

[Caleb Hammer]

Yes.

[Scott]

Yeah.

[Monica]

He took out of his 4K.

[Caleb Hammer]

What?

[Scott]

It was a lot worse pay off.

[Monica]

It was like 3500. He took out of his 401k and paid it off. And then now it's back to a th and again.

[Caleb Hammer]

You kind of know things about finances. You're the fan of the show. You are that person. You are. I'm sorry for running this campaign. Marrying someone who's spending this much on an interest on a card that's gonna you. And he took out of his 401k for it.

[Scott]

There's like four.

[Caleb Hammer]

Okay. While he spends hundreds on CS go a month. You're okay with someone that pulls out his 401k for that.

[Monica]

But I'm thinking it was way more interest.

[Caleb Hammer]

You know, it's actually kind of pathetic.

[Scott]

You gotta understand.

[Caleb Hammer]

It's kind of pathetic to go along with that.

[Scott]

There's marry someone.

[Caleb Hammer]

It is kind of pathetic. It's kind of pathetic that you can't stand up. Can't stand up. And you'll just accept it. Failure. Who gives a shit? Dude. You'll get a success. You'll find someone else. I'll matchmake you. I'll matchmake you myself. I'll matchmake you myself. Wes. He's handsome. He's tall, he does well. He's successful. He's who I've been trying to match make with people. He kind of looks like him. Just a little balder. But he's much better.

[Monica]

He's probably going to bald.

[Caleb Hammer]

Yeah, absolutely. Look at him. Look at that shit. No one puts their hair like that. No one with a hairstyle like that keeps it for long.

[Scott]

I mean you're gonna.

[Caleb Hammer]

My dad's just bald and he's gonna age horribly. That white skin. Good luck, dude.

[Scott]

I think I look good bald. You don't think so?

[Caleb Hammer]

Can you grow facial hair?

[Scott]

Yes. I have to shave it. She doesn't like me growing it out.

[Caleb Hammer]

Okay then yeah, you might look okay. You might look okay. But no, no, no, you're gonna age.

[Scott]

She made me shave it for the show.

[Caleb Hammer]

I don't care. You're gonna age for it.

[Monica]

Because it was like little pube hair.

[Caleb Hammer]

You're gonna age horribly.

[Scott]

It would have grown though.

[Monica]

It was like little pube hairs. This morning he had chest.

[Scott]

It would have grown out. It didn't look bad.

[Caleb Hammer]

Bad.

[Scott]

I think it looks good.

[Caleb Hammer]

$35 a month owed. 820. Oh, $822.21.

[Scott]

What did you spend $1,000 breaks on there. There's food probably.

[Caleb Hammer]

Yeah, I'm about to go through that.

[Scott]

I'm just.

[Caleb Hammer]

You asked so. But you don't have to. You can go to the. You can use your debit card. You went to the pet store, but it could have been on a debit card. Beltos, I don't even know. Ihop Marshalls, Buffalo Wild Wings. Definitely some bullshit from Walmart. Cuz that's 375. That was not a necessity. What are you getting energy drinks or something?

[Scott]

Yes, I get a lot.

[Caleb Hammer]

Congratulations. We make it at home. Just like you got to make Your coffee at home with gamer subs. Find out the flavor you like by getting the free samples. Gamersupps GG Link in the description below. Type in code Caleb, get your free samples and then get your pack at 10% off with my code and you'll be able to make your energy drinks at home. They taste better and it's good for meal prepping. 40 cents a serving. So there you go. Some energy drinks. Rivera, Salvadoran Brahms, Taco Casa, Amazon 7 Brew Coffee. Sirloin Meat Company. Sirloin Meat Company. Hundreds of dollars.

[Monica]

Butcher. We get meat from a butcher.

[Caleb Hammer]

Yeah, hundreds of dollars. You guys can't afford it right now because you guys are up everything.

[Scott]

That's what I'm saying.

[Monica]

Of meat a month for 240.

[Caleb Hammer]

That's not the worst.

[Monica]

That's actually good.

[Caleb Hammer]

Yeah. And then you guys go out to eat constantly on here. Or he does at least.

[Scott]

Rock wall.

[Caleb Hammer]

Rock wall. Modern. And then Record Center.

[Monica]

Record Center.

[Scott]

I don't know. Probably the new album, the vinyl.

[Caleb Hammer]

It's stupid. Guys, you're never gonna be able to hit your goals. Never with this kind of spending. This is insane. And then the Freedom Card comes up next. And you brought that up earlier.

[Monica]

Yeah.

[Caleb Hammer]

Okay, well, it's not a big O. It looks like this one's paid off every month, so I'm not gonna write it down. But it is still money. That is.

[Monica]

That one's the one where the 1700s going on because of the casino now.

[Caleb Hammer]

Okay, yeah, 1700.

[Monica]

Yep.

[Caleb Hammer]

Minimum will be like 40 bucks. Cuz that's what it always is on here. Listen. Okay, yeah. So yeah, it's. It's gone up substantially. It's over 2,000 at the casino. Okay, you're. Listen, this makes no sense. Even if you did pay this off, it is still money that is being spent that could be going towards other things that are important. So it's still bad even if it's a paid off every month credit card, which it's no longer anyway, so interest will be accruing. Stupid. And what are we getting on here when it wasn't even high? Energy drinks there. Junius.

[Monica]

Energy drinks.

[Caleb Hammer]

Or probably, I don't know, you went to Walmart for groceries, but then you went back inside and you got some. Or you got something to do.

[Monica]

It's probably groceries though, because I don't go in and buy any drinks.

[Caleb Hammer]

We'll see. Genesis Thrift Store. Alan Ash. Ash and Rose Mochi Antique Gallery. East Fork Mall. Chili's Town. East Fork Mall. Oh, I hung out with Starbucks. Ram Fitness, Hue's Coffee Rock Wall. Modern bullshit. TikTok Shop. Goodwill.

[Scott]

Yeah, she shops a lot.

[Caleb Hammer]

Yeah, you do. And you've had some fees this year too.

[Monica]

A lot fees.

[Caleb Hammer]

Yep.

[Monica]

Better not be lay fees. I never imagine.

[Caleb Hammer]

No, it doesn't look like a lay fee. I can't tell what it was for $10. Who's the Apple card?

[Monica]

Mine.

[Caleb Hammer]

Guys, you have so much debt. So much cards. This is so stupid. 239 minimum payment 25. I don't think there's any purchases. But you guys are just carrying credit cards and balances. She's got a new puppy for $900. Of course you are. You shouldn't even be together. I love it. Baby Depot. Starbucks. Juan Quince. Real paper. A real real paper. The Cow Marshall. I'm talking about one Quince McDonald's Marshall. Tick tock Shop.

[Monica]

That one I pay off every month though. It's but Gap.

[Scott]

Gap.

[Caleb Hammer]

This is. Okay, I'll cross it off for paying off. But it is still hundreds of dollars.

[Monica]

That one has 500 now I'm going to kill.

[Caleb Hammer]

Okay, probably like a 40 payment.

[Monica]

But I'll pay that off next month.

[Caleb Hammer]

Oh we'll see. It's just stupid, man. Even if you are paying it off, it is still money that could be going towards an emergency fund or retirement. Instead of him pulling it out. Instead of you guys going in debt to the family for the wedding. Instead of you going having to do a $20,000 travel bullshit for your honeymoon. Capital One Saver only made the minimum. Who's the saver?

[Scott]

That's me.

[Caleb Hammer]

Interest free for now. It won't be long. 289.46 minimum with the payment. 25 interest accruing.

[Scott]

I can't even spend a lot on that one. It's like 300.

[Caleb Hammer]

Thank that's what you want. This is so pathetic. Capital One who?

[Scott]

That's me.

[Caleb Hammer]

Interest is accruing. Only making the minimum. This is the one you said you're making progress on? No, that's the Discover.

[Monica]

But that's because you pulled out of your 401k.

[Scott]

I did do that.

[Caleb Hammer]

Oh, so it's not actually making progress, it's pulling out of your retirement. Shut up you pathetic worm. $234.20 25 minimum payment because you pulled it.

[Scott]

I needed to buy so it went

[Caleb Hammer]

up after you pulled out of your 401k to pay. That's why we don't do that. Listen, we have personal loans to apply for on Caleb Hammer dot com. But it's only when you have changed Behavior. And then you could do it. Or else you end up with credit card debt again after you already pulled out a return.

[Scott]

Had to eat. I had to do my breaks. You want me to crash?

[Caleb Hammer]

We are legally obligated to answer no, but either way. Number two, what about the food? It's not just that. You guys spend so much money on that instead of pulling from retirement. That could have gone towards the necessities instead. Shut the.

[Scott]

It was food, groceries and breaks.

[Caleb Hammer]

Amazon. Yes, but you'd be able to afford that if the money wasn't going to thousands a month.

[Monica]

Amazon is me.

[Caleb Hammer]

Hold $0, so don't have to worry about that.

[Monica]

That one has 95 on it.

[Caleb Hammer]

Okay, well that's fine. I'm not gonna figure out about that. Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. Okay. Student loans. Who's 18,000?

[Scott]

That's me.

[Monica]

For a two year degree?

[Scott]

Yeah.

[Monica]

No, but he doesn't use it and I have a.

[Caleb Hammer]

What's your degree?

[Scott]

It's networking and systems.

[Caleb Hammer]

Okay. Why don't you get. I can get you an IT certification through course careers. Get into a higher income field. A lot of people have done that.

[Scott]

That's why I wanted to go into the military, to get that paid for.

[Caleb Hammer]

But you're doing plumbing.

[Scott]

Oh, like the plumbing is to have something on the side in the reserves.

[Caleb Hammer]

Okay. Monthly payment 122 26.

[Scott]

Yeah, I pulled out extra loans at the time because I wasn't working for you.

[Monica]

I'm sure you did.

[Caleb Hammer]

He's never going to change. Federal Student Aid CRI. Is that you?

[Monica]

Yeah, it is.

[Caleb Hammer]

Okay. $36 a month. 3671. Minimum monthly payment, $3,301.20. Okay,

[Monica]

that.

[Caleb Hammer]

There's just still more. This is collections, isn't it?

[Monica]

Even is that it never went to my actual collections because they messaged me right before. Like it went to a collection agency. There's not.

[Caleb Hammer]

There is no. Yes, before.

[Monica]

I paid it before they contacted me, but now I'm on a payment plan.

[Caleb Hammer]

Late fees for.

[Scott]

What do you mean?

[Monica]

Before when?

[Caleb Hammer]

Before when?

[Monica]

Before I set up the payment plan before they contacted me. It's $50 a month. I think it ends 50.

[Caleb Hammer]

So it's $986.87. $50 a month.

[Monica]

I've been paying it since 2024.

[Caleb Hammer]

Well, $50 a month for that. 900 me.

[Monica]

But it's.

[Caleb Hammer]

So that's all student debt.

[Monica]

Yeah.

[Caleb Hammer]

Or that's all the debt. Good. Checking account. Who's Wells Fargo?

[Scott]

That is me.

[Caleb Hammer]

Yep, there it is. Energy drink. Mr. J's specs.

[Scott]

Gotta get the beer.

[Caleb Hammer]

Do you drink?

[Monica]

Occasionally. Like maybe once or twice a month.

[Caleb Hammer]

Dude, eight beers in a sitting is crazy.

[Scott]

Have you ever had a Coors Light?

[Monica]

Yes.

[Caleb Hammer]

It's disgusting.

[Scott]

That shit is the best. What? Or a banquet.

[Caleb Hammer]

I've never had that. I don't know what that is.

[Scott]

It's a Coors Banquet. Like the original.

[Caleb Hammer]

What? No.

[Scott]

Delicious.

[Monica]

I don't like beer.

[Caleb Hammer]

Carl, you raft. Please let me. I can get you. I can find you someone. Even a gay man would be better.

[Monica]

Colder marriage.

[Caleb Hammer]

Yes.

[Monica]

I would like that.

[Caleb Hammer]

He would probably give you more babies than he's able to. Energy drinks, themed games, Mr. J's, Mr. J's theme game, steam games. Theme game, steam games.

[Scott]

Mr. J's is energy drinks.

[Caleb Hammer]

Pokemon Go.

[Scott]

Pokemon Go.

[Caleb Hammer]

Energy drinks, Energy drinks, Pokemon go. Energy drinks. ATM would draw 205. Went to the strip club, had some fun.

[Scott]

What?

[Caleb Hammer]

No.

[Scott]

What is that? What did you say?

[Caleb Hammer]

Bro has an only fans login.

[Scott]

I don't know.

[Monica]

That's crazy.

[Scott]

It had to be old Chase.

[Caleb Hammer]

That's you.

[Monica]

Yeah.

[Caleb Hammer]

You started with 53 and ended with 94. You suck, too. That's so far. Just money transferring back and forth.

[Scott]

Okay.

[Caleb Hammer]

And then apartments, club apartments. Club apartments, Club Zealand. Okay. That's not horrible. Savings is held steady at 1300. She's gonna be the only reason you might have money. And this one in your savings. Eight cents. Are you guys getting the relationship yet? 295. Infidelity. Who's that?

[Monica]

That one is me. But it's up to 1700, so I'm putting in.

[Caleb Hammer]

That's fine. Charles Schwab. Who's that?

[Monica]

Mine.

[Caleb Hammer]

That one's actually good at 35,000. At your age, it's the only thing

[Monica]

that's gonna give you that. Puppet. I was 33 when I put it in, so it's been growing.

[Caleb Hammer]

Okay. And then you obviously have nothing. Cause you're pathetic.

[Scott]

Gross.

[Caleb Hammer]

Sucks.

[Scott]

I had it actually, before we met.

[Caleb Hammer]

Are you gonna say it's her fault?

[Scott]

No, it's actually my brother's. I had like.

[Caleb Hammer]

That you pulled it out.

[Scott]

Huh?

[Caleb Hammer]

That you chose to pull it out.

[Monica]

Oh, no, this is just savings that he was talking about. Yeah.

[Scott]

I had like nine grand saved up.

[Monica]

Yeah.

[Caleb Hammer]

Okay. Do you now?

[Scott]

No.

[Caleb Hammer]

And do I care?

[Scott]

I mean, I. You should.

[Caleb Hammer]

Net income. No. $7,080 a month. Good. Good income. Listen, the sapphire preferred won't normally be that high of a minimum payment.

[Monica]

Don't even factor it in.

[Caleb Hammer]

No, I'm going to factor in normal, which is like.

[Monica]

Yeah.

[Caleb Hammer]

What like 200. How much is normal?

[Monica]

Normal would be low because I'm just paying off those and then it will be completely done.

[Caleb Hammer]

Well, there are some smaller purchases on there.

[Monica]

Those I pay off right away, but I think it goes.

[Caleb Hammer]

No, there's interest accruing. So that's not true.

[Monica]

No, but I think the payment. The payment.

[Caleb Hammer]

I'm going to add 50 bucks. Minimum depayments outside of that, which will Quickly wrap up 571.66. What's your rent?

[Monica]

1500.

[Scott]

15. Okay.

[Caleb Hammer]

Utilities. Gas, electric, Internet, all combined.

[Scott]

Internet, gas, electric, 400.

[Caleb Hammer]

Okay. Phone bill.

[Monica]

We're separate, so I'm 62 and I pay 50.

[Caleb Hammer]

Hey, helium's good up there, guys. 15 bucks online, same towers as T. Mobile transportation. Gas. Vroom, vroom. Drive. Drive. How much?

[Monica]

I spend 200amonth, probably on gas.

[Scott]

I probably spend three. Maybe a little more. 350.

[Caleb Hammer]

500. A little more. 550. Okay. Car insurance?

[Monica]

370 for both of us.

[Caleb Hammer]

Okay. Necessary food, 600. Meal plan, meal prep. Easy peasy. TP fund. Anything else you guys need to survive? 200. Tampons, makeup, toilet paper, all that good stuff. Toothpaste, TP, medical, healthcare. Any CO pays on a monthly basis.

[Monica]

I do mochi, which is like the semi glutide.

[Caleb Hammer]

For weight loss.

[Monica]

Yeah.

[Caleb Hammer]

Were you fat?

[Monica]

Not really. I was just 170 and I lost 14 before I started. Semi 5 4. I just want to lose picture.

[Caleb Hammer]

She's not fat, but 170 is kind of heavy for that weight. But that was 100 to your tits.

[Monica]

I mean, I just want to lose like 10 more pounds.

[Caleb Hammer]

I mean, that's fine. There's nothing wrong. It's okay.

[Monica]

I mean, I technically don't need to be on it. I lost 15 before I got on it, so I was down to like 155.

[Caleb Hammer]

Okay. How much does it cost?

[Monica]

155amonth.

[Scott]

I hate that. Anyways, I'd be happy if you got off of it.

[Caleb Hammer]

Why?

[Scott]

I think it's stupid to think about like the.

[Caleb Hammer]

I don't think she needs it.

[Scott]

Think about the long term. What's that? What that is doing to you?

[Caleb Hammer]

Do you know the long term effects?

[Scott]

No, but who knows who does right now?

[Monica]

But also diabetes. Like people have been using Ozemp for

[Scott]

years for diabetes though.

[Monica]

For 20 years almost.

[Caleb Hammer]

Yeah, that is true for diabetes.

[Monica]

Yeah.

[Caleb Hammer]

For the actual output.

[Scott]

Factory box reason.

[Caleb Hammer]

Do you have any pets? You just got the dog?

[Monica]

Yes, we pay 110.

[Caleb Hammer]

Should have got a dog together when you guys aren't gonna stay together.

[Monica]

Insurance?

[Caleb Hammer]

110.

[Monica]

Yeah.

[Caleb Hammer]

How much for pet food?

[Monica]

I don't know how much he's. I do the dogs, he does the cats. So I think I pay like 80 bucks a month for dog food and

[Scott]

you probably 100 litter and anything else

[Caleb Hammer]

that needs to be in this budget that I have not put in. No, in a budget is a household. I honestly, I'm just gonna emphasize it again just one more time. And I do apologize if it's too much, but I really don't know if you guys should be together as life partners. I don't think you guys are bad people except for the racism. But besides that, like, I think you guys are okay and you will find a better match. And doesn't mean you guys are horrible. Doesn't mean you failed. Doesn't mean you're losers. Okay, listen. 4,800 essentially to live. I'll give you 200 of fund rounded up to 5,000 to live. Okay, I'll give you 580 or 280 to live. So you have 2,000 left on a monthly basis. So your debt is $30,822.27, but we're going to minus the student loans, so minus $18,805.36 cents then minus yours at $3,301 and 20 cents. So 8,000. Okay, that's perfect. You're paying off debt in four months. Easy peasy. High income earners, I swear, they're so privileged. They're so spoiled. And it's the easiest situation in the world. You guys are fully funded. Emergency fund in a few months and then you can tread away if all you want. It's so easy, guys.

[Monica]

Is it?

[Caleb Hammer]

This is actually 4 months to pay off that. One of the easiest in the show, if not the entire show. What the is wrong with you guys? Leave each other get better partners. Because you guys aren't it. We have to talk and that's fine. Yeah, talk about it. Someone's gonna manipulate someone and then you guys are gonna stay together and then it's gonna be resentment and just not the right partnership. But that's okay. Happens every day. Gonna call the mom in the post show and see what she thinks because I bet she agrees with me. But let's get the hammer financial score first. I'm gonna look through your search history as well. Andre. All's text messages. There's always shit in there. Okay. Spending in a budget. 0 out of 10. You ever spend debt? That collections thing technically would bring it down, but it's not hitting your collections. I'll give you a 1 out of 10 being generous emergency fund 1 out of 10 because you had like a thousand retirement good for you. But if we're going together dramatically brings it down 5 out of 10 real estate 0 out of 10 hammer financial score get yours@caleb hammer.com you guys are 1.5 out of 10 join us in the post show Click Camera Elite. You'll see their drive home. Will edit it down to see what the conversation actually ends up and see who manipulates who, how they still end up together. Who knows how but they will sadly for them. Join Hammerly three shows a day, six days a week. Say there, let's do what your mom thinks.

[Monica]

Everything you said, I've kind of said as well. If they end up getting divorced, they have to pay me back for the wedding. I've lived through that with resentment, you know, being in relationships with that resentment and it's not good. And so it is a big fear of mine.

[Caleb Hammer]

But I want to tell her now. Your mom's right. I have an exclusive offer just for you, but there's only one week left to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Plus, I just launched the brand new Hammer Elite app available on every major platform. To celebrate the app launch, I'm offering 30 off the annual plan in the month of June only. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join, and that's a promise. Your next chapter in healthcare starts at Carrington College's School of Nursing in Portland. Join us for our open house on Tuesday, January 13th from 4 to 7pm you'll tour our campus, see live demos, meet instructors and learn about our Associate Degree in Nursing program that prepares you to become a registered nurse. Take the first step toward your nursing career. Save your spot now at Carrington Edu Events. For information on program outcomes, visit carrington. Edu Sci.