The Most INSANE Couple Ever | Financial Audit

Summary

Financial Audit Podcast with Caleb Hammer

Episode: The Most INSANE Couple Ever | Financial Audit
Date: July 6, 2026

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Episode Overview

This episode features an explosive, jaw-dropping financial audit of a couple, Chelsea (29) and Luke (32), hailing from the Dallas-Fort Worth area. With four children, a mix of convoluted finances, and an unending stream of conspiracy theories, the conversation quickly unravels from personal finance into a wild exploration of their worldview—touching on flat earth, celebrity deaths, global conspiracies, and a household on the brink of financial collapse. Caleb attempts to cut through their shared delusions to get to the heart of their dire money situation, all while navigating heated arguments, contradictory claims, and layers of distrust.

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Meet the Couple (Started ~[01:53])

Chelsea (29)

• Homeschools kids, is a caregiver to her sisters.
• Has four children (three from a previous marriage, one with Luke).
• “I homeschool my kids and am a caregiver for many sisters.” ([02:12])

Luke (32)

• Retired military (disability income, not actual retirement)
• Works as a roofing salesman.
• Receives VA disability ($4,646/month); new roofing job aims for $1,000/week but is unstable.
• “I get around... VA is $4,646.” ([03:41])
• “For now, for about—what is it? I think for two months, they’ll give me about a thousand bucks a week, and then after that... that thousand bucks goes away.” ([05:16])

Relationship Dynamic

• Finances have been kept separate their entire marriage, fueled by chronic arguments and lack of trust.
• “Because we've argued a lot. She's damn near left me five, six, seven times.” ([05:57])
• Chelsea describes herself as “practical” with money, Luke spends first, pays bills later.

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Financial Situation Overview

Income ([03:39]–[05:34])

• Luke: $4,646/month (VA disability) + roofing. Unstable as last job just ended, new one unproven.
• Chelsea: No full-time income; previously received child support.

Mortgage Issues ([08:51]–[10:33])

• Routinely delinquent on mortgage, using paycheck advances to cover old debts.
• Mortgage often paid late (currently past due), caught in a perpetual cycle.
• “The way I see it is like this, right? Unless it hits my credit... I paid the mortgage yesterday, we're no longer behind.” ([12:02])

Debt & Credit Chaos ([69:20]–[78:37])

• Multiple closed/charged-off credit cards.
• Large minimum payments due, often not made; many balances are double limits, incurring late/payment fees.
• “That one... you owe on a $500 credit limit: $965.20. Why do military people just suck at credit cards?” ([74:12])
• Chelsea has substantial student loans; expected child support stopped due to legal conflict.

Spending Habits ([63:10]–[65:10]; [79:01]–[81:36])

• Both compulsively spend on fast food, Amazon, and “snacks.”
• Chelsea: “I don’t like to cook.” ([72:33])
• Luke: “If I gave you the damn money to do it, you’d do it too.” ([64:45])
• Multiple recurring purchases for non-necessities, under guise of homeschooling or child needs.
• “You’re schooling your kids all day?” ([83:09])
• Both accuse each other of lying/hiding about credit card use and spending.

Overall Debt Tally ([100:02])

• Total debt: ~$87,000 (plus mortgage and student loans).
• Negative net worth, no emergency fund, retirement solely from disability, under-water on home.

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Household & Communication

Marriage & Family Structure

• 3 years married, 4 kids (3 from Chelsea’s first marriage; daughter from current marriage is 14 months old).
• Closed-off communication and mutual distrust; keep finances separate.
• Frequent, unresolved arguments about priorities (fun vs. bills).

Conflict & Lack of Collaboration

• Habits of hiding financial information and lying by omission.
• “You’ll hide them from me, not tell me about it so I don’t ask to use it.” ([73:13])
• Both partners adamantly claim flexibility but refuse to adapt or compromise.
• “But you guys aren’t [flexible], is the thing... you will never be flexible on finance.” ([53:28])

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Conspiracy Theories & Worldview

Conspiracies Raised ([00:59]–[24:44]; throughout)

• Claims of flat Earth: “Is the world flat or round?” — “It’s flat.” ([21:53])
• Denial of moon landings, modern space travel, and NASA: “Did we go to the moon?… We have not been to the moon.” ([28:44])
• Famous deaths faked (e.g., Charlie Kirk, Selena Gomez, Justin Bieber, Kanye West, Britney Spears).
• COVID-19, presidential succession (Biden is dead, Trump still President, “military operation” ongoing).
• Extreme QAnon-style child trafficking and “military tribunals are coming.”
• “So, like, the celebrities and the sex trafficking rings are going to do what? They're gonna get hung in public." (Chelsea, [19:40])
• “There’s an attack on the species by a guild of psychopaths and they must be defeated.” (Luke, [19:06])

Antisemitic Comments / Holocaust Revisionism

• Luke and Chelsea dip into dangerous territory by discussing Holocaust denial/revisionism and antisemitic tropes.
• “If you look at everyone who is...who was a Jew and they're in power... Hitler was trying to prevent his country from taking over so much of crazy ass type people... That is a fact.” (Luke, [33:32])
• Caleb reacts with horror and pointed sarcasm.

Education of Children

• Chelsea homeschools, incorporates unscientific beliefs (flat earth, “NASA means to deceive,” angels control weather).
• “That's not thinking for themselves. That's you teaching 7, 4, 6 and 14 month year olds.” (Caleb, [24:54])
• Luke claims she provides “options,” but admits she heavily pushes conspiracies.

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Notable Quotes & Moments

Absurd Claims & Exchanges

• Chelsea on the shape of Earth:
  “It’s flat. And I can, well, I can kind of prove that.” ([21:54])

• On moon landings:
  “We did not go to the moon.” (Luke, [28:48])

• Military tribunals:
  “Military tribunals are coming.” (Chelsea, [19:52])

• Caleb exasperated:
  “You’re telling everyone else that they’re __ because this is a part... It is a part of the Ethiopian and Iranian Orthodox Bible. ...You’re just saying that other people’s faith is wrong.” ([50:10]) “When you raise your children based off of that, that’s concerning.” ([56:04])

• On family budgeting:
  “When you have kids...what you just explained was they pay you early...If you’re stuck in that cycle... you’re cash advanced cycling.” (Caleb, [10:07])

Financial Absurdity

• Mortgage late fees:
  “Lizzi don’t believe in late fees.” (Caleb, [12:52])
  “I use cash app...I get paid a week early for all my paychecks. So when we first got the mortgage...” (Luke, [09:57])

• Fighting about who spends most:
  “He has this thing where anytime he goes to get gas he has to get a little snacky snack.” (Chelsea, [64:41]) “You won’t pay my bills. Like they’re late.” (Chelsea, [104:11])

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Key Timestamps by Topic

• [01:53] – Introduction to Chelsea and Luke, family structure, marriage history.
• [03:39]-[05:34] – Detailed breakdown of incomes, job instability.
• [08:51]-[10:33] – Late mortgage payments, reasons for chronic delinquency.
• [12:02]-[14:29] – Attitude towards credit, late fees, and cash flow “strategy.”
• [16:00]-[20:00] – Introduction to conspiracy beliefs, flat earth, child trafficking, discussions of “military tribunals.”
• [24:44]-[25:37] – Chelsea explains flat earth and how she teaches kids about it.
• [28:44]-[29:56] – Denial of moon landing, connecting 9/11 to broader conspiracies.
• [32:40]-[33:59] – Holocaust revisionism, parallels to Trump.
• [41:03]-[41:41] – Claims of above average academic achievement for children, “testing” at home.
• [53:28]-[54:55] – Admission by both parties that finances are separate due to distrust.
• [59:34]-[60:35] – Biblical literalism, Book of Enoch, time/date conspiracies.
• [63:10]-[64:25] – Tennessee trip, missed mortgage payment as triggering event for chronic lateness.
• [69:20]-[74:11] – Discovery of closed/charged off credit cards, confusion over whose debt is whose.
• [83:09]-[84:39] – Discussion of division of labor; who does chores, use of time (TV, social media, etc).
• [100:02] – Caleb estimates $87,000 in bad debt.
• [103:17]-[103:47] – House worth less than mortgage, negative net worth.
• [104:24]-End – Post-show revelations: hiding money, further distrust.

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Final Assessment: The Hammer Financial Score ([101:40]-[103:47])

• Spending & Budget: “You technically didn’t overspend...But you certainly put money towards bullshit instead of paying off debt...2 out of 10.”
• Debt: “There’s collections...0 out of 10.”
• Emergency Fund: “No savings...0 out of 10.”
• Retirement: “Solely from disability income...2 out of 10.”
• Real Estate: “Four-year mortgage, bad interest, house underwater...3 out of 10.”
• Overall Score: 1.5 out of 10
• Caleb: “I don’t even know what to do with you. So yeah, you don’t trust combining with her. I don’t blame you.” ([60:33])

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Episode Takeaways

• The couple’s lack of trust, diametrically opposed philosophies (practical vs. hedonistic spending), and ever-mounting debt foreshadow severe financial and relational trouble.
• Their worldview is anchored in conspiracy theories—including flat earth, QAnon-inspired narratives, and revisionist history—which spill over into every facet of their lives, notably in the upbringing of their children.
• Caleb’s attempts at introducing financial literacy and basic logic meet an immovable, circular wall of conspiratorial delusion and distrust.
• Their “average” income is strong, but habitual overspending, mismanagement, and lack of cooperation means they are constantly behind.
• The combination of denial, finger-pointing, and magical thinking leads to a one-of-a-kind, entertaining, and deeply troubling case study of what happens when financial reality and personal reality diverge completely.

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Memorable Caleb Closer:
“I'm going to send you guys to Reed who helps us do finances here because with the way you did it, I can't—I'm going to do a budget for you, obviously, but I couldn't perfectly calculate because it was all in the credit report. I need your statements and yours is such a mess. It's impossible to see.” ([94:28])

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For listeners: This episode is a wild, at times surreal, ride through conflict, financial crisis, and the outer limits of belief—a “can't look away” lesson in what not to do with your money or your marriage.

Transcript

[Luke]

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[Luke]

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[Luke]

If you look at everyone who is a they're Jewish, who is a Jew and they're in power, things like that, look it up bro.

[Chelsea]

So basically what Trump is doing is like what Hitler was doing, except doing it the right way.

[Caleb]

Is the world flat around? It's flat when you raise your children based off of that, that's concerning.

[Luke]

Biden was never really president.

[Chelsea]

He's dead, supposedly.

[Caleb]

What?

[Chelsea]

Charlie Kirk's not actually dead.

[Caleb]

You don't actually believe this? You're just having fun with this?

[Chelsea]

No, I believe it.

[Caleb]

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[Chelsea]

Hi, I'm Chelsea. I'm 29 years old. This is Gary.

[Luke]

Hi, I'm Luke and I'm 32 years old.

[Chelsea]

We're from DFW and this is Financial Audit.

[Caleb]

Yes it is. Thanks for coming down from the Dallas area. Okay Chelsea, you're in front of me. What do you do for a living up there?

[Chelsea]

I homeschool my kids and I am a caregiver for many sisters.

[Caleb]

Oh Kids? Married?

[Chelsea]

Yes.

[Caleb]

Okay. How long have we been married?

[Chelsea]

Two years.

[Caleb]

Yeah, put him down. He doesn't want to be with you.

[Luke]

Almost three September.

[Caleb]

Okay, well, congratulations. Okay, very good. How many kids? What are the ages?

[Chelsea]

We have four kids total. Three are from my previous marriage and

[Caleb]

one Whose previous marriage?

[Chelsea]

Mine.

[Caleb]

Oh, wow. Geez. 29. Two marriages. Yikes. Okay, okay. Just saying. I mean, what are the ages?

[Chelsea]

Seven, four, and six.

[Caleb]

Yeah, I think there's another one.

[Chelsea]

And nine months. Well, I messed up the age I met that one.

[Caleb]

That one was very nine months.

[Chelsea]

Nine months. Oh, my gosh. He's nine months. The dog is nine months. She's 14 months. She's 14 months. The dog's nine months.

[Caleb]

Oh, that's pathetic. That's rough. That's rough, dude. You care about the dog more than the kid. I guess that's why you left the other three.

[Chelsea]

No.

[Caleb]

Okay, okay. So you don't make money.

[Chelsea]

I do.

[Caleb]

Okay. Stay at home, whore. Very good. So, Luke, I hope that means you make a lot of money, because it ain't. It's not a super cheap place to live.

[Luke]

Yeah, I make a decent amount. I mean, I'm. I'm retired military. I work for roofing company, so we bring home quite a good. Which one?

[Caleb]

The retirement or the roofing?

[Luke]

Both of them make pretty good money.

[Caleb]

Okay, what do you get from your retirement?

[Luke]

I get around. I'd say about. So VA is 4000, 646.

[Caleb]

Oh, wait. Okay. It's not retirement, it's disability.

[Luke]

Disability. Yeah, yeah, yeah, yeah.

[Caleb]

But you're working in roofing.

[Luke]

I work in roofing too. Yeah.

[Caleb]

What do you do in roofing?

[Luke]

So I'm a salesman for roofs. Ah, yeah, yeah, yeah.

[Caleb]

Okay, that makes a lot more sense because I don't know if I want a disabled person on the top of roofs.

[Luke]

Right.

[Caleb]

Doing roofing.

[Luke]

Right.

[Caleb]

Okay. Okay. Oh, never mind. When you are a salesperson, you're getting on roofs.

[Luke]

No, we have drones now. So I don't get a roof.

[Caleb]

Oh, okay. Okay. Modern technology. I appreciate that. Different kind of drone. Not killing brown people this time.

[Luke]

Right, right.

[Caleb]

What do you make in the roofing?

[Luke]

So on average, about $1,000 a week. Now, if you do a. Make a sale or something, sales average pound of the roof is. I mean, you're looking around 25 to maybe like five grand a roof, depending on how big it is.

[Caleb]

Okay. But I'm averaging out 4,000amonth.

[Chelsea]

But if you.

[Luke]

Yeah, pretty much give or take.

[Caleb]

Yeah.

[Chelsea]

If you can make a sale.

[Luke]

If you make a sale is he

[Caleb]

averaging making sales, so he's bringing 4,000amonth.

[Chelsea]

4,000amonth? He's not making a sale.

[Luke]

Okay, backstory real quick. Gosh damn. So time out. Hold on. Let's just have more context. Right? So I just. My other job for roofing just got shut down. They quit business last week. Right there I was making an average, about 800 bucks a week. And then on a sale average, you can make about $1,000 for each sale. I made two sales, but that business is gone. Right. So I just got hired. Actually signed the offer letter today for. For a roofing. Another roofing company. Right.

[Caleb]

Oh, wait. But you won't know how much you're making.

[Luke]

Well, I mean, I've been doing roofing off and on for a long time, so I kind of sign on and there's a. So for. For now, for about. What is it? I think for two months, they'll give me about a thousand bucks a week. And then after that, when you build your pipeline, that thousand bucks goes away. Right.

[Caleb]

And you have to replace what, sales?

[Luke]

Okay.

[Caleb]

Okay. Well, we'll put it as four for now.

[Luke]

Right.

[Caleb]

I mean, you've seen the lack of confidence in this.

[Luke]

Three to four is, on average, where I make monthly.

[Chelsea]

And every time I've asked because he says he's good at sales, but I haven't actually seen him make a sale.

[Luke]

You don't pay the Hill attention. You know how much money we make? We're bringing what a thing cost? You have no idea.

[Chelsea]

Because you keep our finances separate.

[Luke]

Bro. Bro.

[Caleb]

Three years and the finances are separate.

[Luke]

Why you want to be honest about this? Because I will.

[Caleb]

Well, please. That's what we're here for.

[Luke]

Because we've argued a lot. She's damn near left me five, six, seven times. And so I.

[Caleb]

Well, she seems to leave every man she breaths with so.

[Luke]

Well, I mean.

[Chelsea]

Well, I mean, if they're.

[Luke]

You either married or you ain't.

[Caleb]

You made three.

[Chelsea]

Well, see, because I'm Christian, and I was like, you know, the Christian church,

[Caleb]

the faith requires you to breed with. In fact, I do believe sodomy is illegal.

[Chelsea]

You can't. What?

[Luke]

You're not supposed to get divorced.

[Chelsea]

Oh, well, but I had real reason. Sexual morality and. And abuse. But.

[Caleb]

Okay, why are you. I'm sorry. Like, yes, you're the victim in that. Well, why are you breeding with someone who's abusive?

[Chelsea]

Because I didn't know.

[Caleb]

You didn't know he was hitting you and he was hitting you. I mean, I'm sorry. I don't want to that's insensitive.

[Chelsea]

But like, it wasn't. It was. It wasn't like that.

[Caleb]

Oh, so he was abusive without abusing. It's interesting how modern terminology has been kind of flipped to saying words that don't mean the thing that it means.

[Chelsea]

No, it does. I just really. I can't talk about him.

[Caleb]

Okay, I gotcha. Okay, well, we won't go down that rabbit hole then. Oh, yeah. Okay.

[Luke]

Nice cover up.

[Chelsea]

Did I kick you? My bad.

[Caleb]

He said nice cover up. By the way.

[Luke]

That's not a nice little scapegoat right there.

[Chelsea]

That's not a scapegoat and you know that.

[Caleb]

Okay. Have you hit her yet?

[Luke]

Sure haven't.

[Caleb]

Let's. Let's try not to.

[Luke]

She's a little physical aggressive, though.

[Chelsea]

So I am in bed.

[Luke]

Oh, God.

[Caleb]

Okay, well, that's nice, I guess for you guys. I mean, the fifth is on the way.

[Chelsea]

Absolutely not.

[Luke]

It's a false absolutely not.

[Caleb]

What do you mean absolutely not? Are you on birth control?

[Chelsea]

No.

[Caleb]

Are you fixed?

[Luke]

No.

[Caleb]

Is he fixed?

[Chelsea]

No.

[Caleb]

Is he on condoms? No. Okay, then what the are we talking about? Absolutely. How do you think babies are made? In fact, I would say you're the expert.

[Chelsea]

But you can track it.

[Caleb]

You can track it. It's not perfect, but it can be. And Chick can swim for a bit too. And what if he's a part of the 35% of men or whatever that carry that's actually infertile? Oh, I don't think. Did you put. Is the 14 month yours?

[Luke]

It definitely is. I made that one happen on purpose.

[Chelsea]

So he got on medication.

[Caleb]

Okay. But even still, we've had a lot of infertile people on this show that have magically had kids. It's weird how it works. Like, what. What are we talking about?

[Chelsea]

So he doesn't. We have different views on how money should be spent. I'm very much a practical money. Bills need to be paid first. And he's a. I'm gonna do my fun stuff. And then for bills.

[Caleb]

That doesn't really make sense.

[Luke]

Not necessarily. No. That's not how that works.

[Chelsea]

That is. But that's how you work.

[Luke]

So I get a gambit works. That's how you work every single month. Right. And so. And I know, like, my view is like, I have the guaranteed money coming in every single month, right? So what I can expect to pay or not to pay, etc. Etc. Now, for instance, right? So how do I say this? Like, like with the mortgage thing, right?

[Caleb]

Yes, we are seeing as in the first Document in my stock. Which is past due.

[Luke]

Yes, it is.

[Caleb]

Mortgages shouldn't be passed right now.

[Chelsea]

It's currently past due.

[Caleb]

It's past.

[Luke]

You already know this shit.

[Chelsea]

But I don't.

[Luke]

You do.

[Chelsea]

I don't.

[Luke]

You do.

[Chelsea]

I don't.

[Luke]

So what I do is in my personal. This is my. I guess opinion. I guess whatever. Where with va? Not the va. We're Veterans United. The way they work from what I've understood right is that it doesn't hit your credit until it's 30 days past due. Right.

[Chelsea]

But then you snowball. So how past due are we?

[Luke]

No, we don't snowball. I. I just paid the. The. The payment yesterday. I got paid yesterday. So I submitted the payment for the mortgage yesterday.

[Chelsea]

For which month?

[Luke]

For past. Yes. Last month. We didn't last month.

[Caleb]

Always pass through hard. We catch it up by current due.

[Chelsea]

So you just paid Mays yesterday.

[Luke]

What month we in May? Yes. You already know this. I'm doing the same thing for ever, dude.

[Chelsea]

But I thought we had caught up and we weren't doing that.

[Luke]

No. We have too much shit to pay for.

[Chelsea]

So the.

[Luke]

Even when I read even once. So at one point I had to. What do they call it? What do they call it? Restructure loan so to speak. I guess.

[Caleb]

No, no. Which is why are we late on a mortgage? That shouldn't be the place we're laid out.

[Luke]

The way I've done it every month is I only. So I get. So the reason I use cash app. Right. I get paid a week early for all my paychecks. Whatever. Blah blah bl. So when we first got the mortgage.

[Caleb]

What? That's the cycle we're in with four kids.

[Luke]

What's that?

[Caleb]

We're in a cash advance cycle with four kids.

[Luke]

This is what I've always done my entire life.

[Caleb]

Well that's not necessarily good.

[Luke]

When you have kids it's done a cash advance.

[Caleb]

What?

[Luke]

What you just explained was they pay you early due to.

[Caleb]

Which can be okay if you leverage it correctly. But if you're stuck in that cycle where you're not paying your bills on time and you're waiting for the early advances to pay off the previous one.

[Luke]

Well yeah.

[Caleb]

Then yeah. Your cash advanced cycling.

[Luke]

Okay. I've never heard put it that way but I guess so. Yeah. Never put that way.

[Caleb]

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[Luke]

So the way I see it is like this, right? Unless it hits my credit, I don't know, sounds, it's gonna sound stupid. It's the way my mind views it, right? It's like I paid the mortgage yesterday. We're no longer behind. There hasn't any late, there's no until it hasn't three days from now the credit now technically the mortgage due on the first, right? So before in the past I was making a ton more money than making that. At one point I was making like 20 to, I don't know, 23,000amonth at one point being a trainer at Lifetime Fitness, right? That's including the VA, all that stuff. So all together, making like 20 some thousand a month with the time I think I, we took a trip to Tennessee at one point, right? And we, we didn't pay the mortgage that month. I said okay. I said don't pay the mortgage this month. I said I just pay it at the end of the month when I get my other paycheck from Lifetime, right? So when we did that, I, we did not budget out money correctly on this trip to Tennessee. What was it last year?

[Chelsea]

Oh, now it's a we.

[Luke]

It's been a week, bro. It's a week and we're married, aren't we?

[Chelsea]

I, that's it hasn't been a week.

[Caleb]

Lizzie don't believe in late fees. Whether or not it's the credit, you're still getting late fees.

[Luke]

Yeah, but you late fees, you ain't got to pay them to until the mortgage is done. That's what I was told.

[Caleb]

Huh?

[Luke]

You don't have to pay the late fees until you marry the mortgage.

[Chelsea]

Yeah, well, so you see, I didn't know how he was with money.

[Luke]

Yeah, we didn't discuss that type of shit before.

[Chelsea]

We didn't discuss that. But, like, how long are you guys

[Caleb]

dating before you got married?

[Luke]

Well, a couple months.

[Caleb]

Okay, so that's why you're freaking out about me.

[Luke]

Told him, moved to hell.

[Chelsea]

End. So 10 months. It was 10 months when we.

[Luke]

So, okay, straight up, let's just fix this conversation real quick. And we agreed on this, right? So our context. I believe in Jesus Christ, right? I believe in the Bible and all this, right? So when you commence a marriage, you have sex. It's spiritually. That means you're married. Read the Bible says it's word for word. Right on the same verse, but that's what it says.

[Caleb]

How many people have you married then?

[Luke]

A lot. Spiritually speaking here, you know?

[Chelsea]

Well, see, okay, this is. I came to my faith later on in life because.

[Caleb]

So whore and then whore with the cross.

[Chelsea]

Well, yeah, but you know what? Jesus still loves me and I've repented, so. But yeah, I have a.

[Luke]

You can break them Soul ties.

[Chelsea]

I've had a past. I've definitely had a past. I have daddy issues. It's fine.

[Caleb]

Who doesn't? What woman on this planet doesn't at this point?

[Chelsea]

But yeah, so, like, I did. I slept around.

[Caleb]

And it sounds like all your kids are about to as well.

[Chelsea]

No, they're great.

[Luke]

Hell, they are.

[Caleb]

Okay.

[Chelsea]

Okay.

[Caleb]

What the.

[Luke]

Is my question. Okay?

[Caleb]

I mean, I have a note that, like, what's destroying this whole thing is your lack of trust. And it's. This shit is built on, like, conspiracy theories and, like, I don't even know what the fuck is happening. What are we. What the are we talking about?

[Luke]

Don't be talking about finances. Oh, we have a mortgage right now,

[Chelsea]

so that's why we're here. But if we're based on conspiracies, help managing when I pay my bill.

[Caleb]

But what is this conspiracy shit?

[Chelsea]

Okay, which one? Charlie Kirk's not actually dead.

[Caleb]

What?

[Chelsea]

Selena Gomez is actually dead, and her and Justin Bieber's love child is with.

[Caleb]

What the are we talking about?

[Chelsea]

Well, conspiracy theories.

[Luke]

Someone's killed my marriage. Out here?

[Chelsea]

Yeah. He doesn't really agree.

[Luke]

I don't know.

[Caleb]

I saw some videos a lot on Twitter that day.

[Chelsea]

What day? Oh, okay. That's fake, though.

[Caleb]

So you saw some people die? Probably. Does that look like death?

[Luke]

No, it's questionable. Oh, it's questionable? Dude, I've seen people show. I've been part of shooting movies.

[Chelsea]

Does that in the real world, that looks more like death than I don't

[Caleb]

think movies are like, but it is.

[Luke]

I'll put to you this way. I put to you this way you look at. When you look at this situation, right? First off, a man shooting a shot that far away a man is a child. Has to be very, very, very good.

[Caleb]

Maybe he got also just very lucky.

[Chelsea]

But the bullet that was supposedly used would have blown up his arm.

[Luke]

I'll say this, I was an expert shooter in the military. I scored perfect every single time I've shot a weapon in the military. The blade, 25ft, whatever. Right?

[Caleb]

So where is he? Why would he do this?

[Chelsea]

So he's an. Okay, so there's theories. So there's theories. Okay, so he can either. So either his wife, Erica Kirk, was in on it or, like in on the conspiracy and she's in hiding with him.

[Caleb]

So we got some Candace watchers or.

[Chelsea]

Yes, 100%. We know. We know.

[Caleb]

Okay, we know.

[Chelsea]

But we don't know. No, you think we don't know? No, but we know.

[Luke]

It's called a think, not a no.

[Chelsea]

No, we know. So either his wife, because she's got ties to child trafficking. She does.

[Luke]

Based off of.

[Chelsea]

Based off of the work she did with children she was kicked out of. What was the country. She was kicked out of the country for it. Yeah.

[Caleb]

So the country.

[Chelsea]

You gotta know, this dog, it was like, Slavia. Slavia, not Slavia.

[Luke]

Where is it?

[Chelsea]

Where is it, Slovenia? No, there was a country that she did like.

[Luke]

Ukraine.

[Chelsea]

Was it Ukraine? No, it wasn't Ukraine. She did. Don't look at me like that. I'm legit.

[Luke]

We just name all the fucking.

[Caleb]

I'm just waiting to see where.

[Chelsea]

I'm trying to remember the country, but she was kicked out of a country. She was doing adoption work for little kids that don't have parents, and they were going missing, and so she was kicked out of the country.

[Luke]

We're not gonna have Pepsi with baby flavoring in it.

[Caleb]

I mean, what the hell have we become? So Erica Kirk, you're saying.

[Chelsea]

I'm alleging.

[Caleb]

You're alleging. Is a child ringleader.

[Chelsea]

She's in on it.

[Caleb]

And Charlie didn't die because of that.

[Chelsea]

No. So she. Okay, so she was basically his handler. And either he. There's two different theories. Okay, so either she was his handler. He found out about all her bullshit.

[Caleb]

Weren't they just like a classic Christian couple like y'. All. Isn't that kind of what he was preaching?

[Chelsea]

Well, in the. Okay, in the video where he's being shot, it wasn't actually him. It was a hologram. Oh, there was a trap door. There was a trapdoor and he. So the hologram got actually.

[Caleb]

Believe this. You're just having fun with this.

[Chelsea]

No, I believe this. Well, I believe one of two theories. That's one of the theories. I don't believe he' dead.

[Caleb]

Okay, and the other theory would be.

[Chelsea]

Well, I've got.

[Caleb]

Well, now I understand why you guys can't talk about things because you guys are like scary with the trap door that.

[Luke]

You think so.

[Chelsea]

Well, so, yeah, the door. There was a trap door. They covered the trap door up.

[Caleb]

Did you know Sam's club isn't a store? It's actually a club with cool finds and like a whole community. It's a club.

[Chelsea]

Of course, Jason.

[Caleb]

It's in the name.

[Chelsea]

Sam's Club.

[Caleb]

Oh, yeah. Come join us.

[Chelsea]

Sam's Club, like right. Either that night or the next day. That's the COVID up people.

[Caleb]

The COVID up people?

[Chelsea]

Yeah, the COVID up people. What would you call them? I don't know.

[Caleb]

I don't know. Just like, who are they? What's the reasoning?

[Chelsea]

The CIA.

[Caleb]

So where is he now?

[Chelsea]

In hiding, she thinks.

[Luke]

Time o bay.

[Caleb]

Why would he want to hide? He was very successful. There are people. Because why would he want to be hiding?

[Chelsea]

And it's all part of the plan.

[Caleb]

What plan?

[Chelsea]

The plan with Donald Trump and all. So it all plays into each other. Okay, so we are under a military operation right now.

[Luke]

There's an attack on the species by a guild of psychopaths and they must be defeated.

[Chelsea]

Yeah.

[Caleb]

Were you a part of this?

[Chelsea]

No.

[Caleb]

Okay. I think he might have some insight if this was a thing.

[Chelsea]

So all of these things, like the Charlie Kirk stuff, like the celebrities. All of it.

[Caleb]

Because she's bat insane. You married her. She's.

[Luke]

I didn't know this someone.

[Caleb]

Think you're worth it.

[Chelsea]

Thanks.

[Caleb]

Somewhat.

[Chelsea]

No, but when. When all of it goes down, you'd be like, oh, that batshit crazy lady. She was actually right.

[Caleb]

All of it goes down. What's gonna go down goes down or

[Luke]

it doesn't go down. So either way, it's.

[Chelsea]

We're all gonna wake up to the freaking that's going on in the world. So, like the celebrities and the sex trafficking rings are going to do what? They're gonna get hung in public.

[Luke]

This is total mental illness.

[Caleb]

What? No, no, no.

[Chelsea]

Military tribunals are coming.

[Luke]

Okay, So I will say this on the military tribunals thing, like they hold people accountable in a military tribunal because like be the one, you're too rich, your name's too big, or this came or whatever the case may be. Because with military tribunal you are. How do I say this? Like there's a lot of normal citizen laws that they don't, I would say, quote, unquote, not have to follow. But they are outside those laws because of the power that they hold, so to speak. So in order to Trump to catch some of these people, right, you have to hold a military tribunal to hold them at a higher accountable standard. Something along those lines.

[Caleb]

It's still kind of like coming under this military operation.

[Chelsea]

Yeah. So he's going to expose everybody.

[Caleb]

So why, honestly, why even care about your personal finances if like this big thing is going to come? Why does it even matter? It'll solve everything. Why does it even matter?

[Luke]

Biden was never really president either.

[Caleb]

He's dead, supposedly. I don't think so.

[Luke]

He was never actually sworn in either.

[Chelsea]

Did you see his earlobes?

[Caleb]

Weren't they like old man earlobes?

[Chelsea]

No. So he's. Okay, so they had like. He was. So he wasn't actually president, he's actually dead.

[Caleb]

Who was.

[Chelsea]

Trump was commander in chief of the military. So they put us in as.

[Luke]

So I will say this. When they did his inauguration, right, they played the funeral taps over like an actual presidential introduction type deal.

[Caleb]

So Trump did the Afghanistan withdrawal. That was a disaster.

[Chelsea]

Well, Trump was in.

[Caleb]

Trump was the president when we had 10% inflation.

[Chelsea]

Yeah.

[Luke]

So.

[Chelsea]

Yeah. So it was all people

[Luke]

anyway.

[Chelsea]

Well, it's. To wake everybody up to like Covid,

[Luke]

for example, which was also bullshit.

[Chelsea]

Yeah, it was bullshit and it woke a lot of people.

[Caleb]

Pass the inflation reduction act, the infrastructure

[Chelsea]

bill, the behind the scenes, to wake everybody up, to make it look like it was Biden.

[Caleb]

Okay, look into it.

[Chelsea]

It's true.

[Caleb]

Look into.

[Chelsea]

No, it is like if you look at it.

[Caleb]

I'm excited to look into it, guys.

[Chelsea]

You do.

[Caleb]

Can I just ask you a question? Is the world flat around?

[Chelsea]

It's flat.

[Caleb]

Okay.

[Chelsea]

And I can, well, I can kind of prove that.

[Caleb]

How can you prove that if the earth is flat? There's a military operation happening. We. The. The. The presidency is not even a thing. Why would we take the effort and sacrifice that is required to get this under control if all.

[Chelsea]

Well, because we still got of like, there's still.

[Caleb]

But if everything comes down, it won't matter. It won't matter.

[Luke]

Some people for freedom. If all this shit doesn't matter.

[Chelsea]

Well, because it is. He wants freedom. So right now, we've been under undercover war for a long time now. So Trump is actually with these elites and these child traffickers. They're all trying to take over the world.

[Caleb]

Hey, I got rich. Does that mean I'm all of a sudden diddling children? Is that how this works? No, but I mean, when you unlock a net worth, do you all of a sudden like, ooh, that's a child sticky?

[Chelsea]

No, that's not true. But there's a who are who. They get into their rich in fame by selling their soul and doing dirty things with children. What the are you talking about selling your soul? Did you sell your soul?

[Luke]

No.

[Chelsea]

Well, not everybody does.

[Caleb]

Created a popular show, for example.

[Chelsea]

Okay, Justin Bieber, he tried to get out of it, but he sold his soul. He did a lot of bad things, bro.

[Caleb]

That dude, his brain with drugs. I don't think I'm listening to that.

[Chelsea]

Did he?

[Luke]

Well, Diddy.

[Caleb]

Diddy.

[Chelsea]

Diddy and him were like.

[Caleb]

Yeah, Diddy was like lube obsessed. I don't know.

[Chelsea]

No, he was child obsessed.

[Luke]

Yeah, pretty sure.

[Caleb]

I don't think he his up in Justin B's and children. It was. It was. He was on trafficking charges, but not for children.

[Chelsea]

They made him look crazy because he was starting to call out the bullshit.

[Caleb]

I think he made himself look crazy and he just went and he just apologized.

[Chelsea]

So now the Kanye west that's here isn't actually the Kanye West.

[Luke]

All this has no factual.

[Chelsea]

No, it does at all. It does.

[Luke]

It's all insinuation, bro.

[Chelsea]

It's not. It's factual.

[Luke]

It's not factual. That phone's black, right?

[Caleb]

Prove to me that the world is flat.

[Chelsea]

Well, then you got to pull out scripture and stuff. But basically, yeah, I like the Bible.

[Caleb]

I don't remember anything.

[Chelsea]

Type in chat GPT and tell it to make you a model of the world based off the Bible and the Ethiopian Bible in the Book of Enoch. Do it. Okay, so you've got like the thing, right? And you've got the. What is it called?

[Luke]

We call the foundation.

[Chelsea]

Well, you got your foundation, then you've got the dome.

[Caleb]

Oh, shit. You're in this too.

[Luke]

You got the firmament.

[Chelsea]

The firmament. Thank you. And then you've got Sheol, which is like hell. And then let's see, you got the sun and the moon are in here. And then when you talk about the book of Enoch, there's different portals right in through here where the angels. How do you make little angels? They control the weather through these portals that go like in and out.

[Caleb]

Oh shit. They have children and then it goes down like this.

[Chelsea]

Well, I teach them about like NASA and stuff too. But did you know NASA means to deceive? I teach them about that. I teach them about all of it so they can think for themselves.

[Caleb]

That's not thinking for themselves. That's you teaching 7, 4, 6 and 14 month year olds.

[Chelsea]

Well, but you're not.

[Caleb]

That's not thinking for themselves. You're telling them.

[Chelsea]

No, that's not true. I'm not telling them. I'm saying these are theories.

[Caleb]

This is. Where's the earth?

[Chelsea]

This is the Earth.

[Caleb]

Okay, so I'm not gonna ask or insinuate, but I'm sure in the military you went places. Did you go in a straight line? I mean, or did you go around the planet?

[Luke]

I mean my hair's my view, right? When you fly, I mean, I've never paid attention enough to know if we're going sideways, going around or whatever. That's not true either. But

[Caleb]

these kids are not being homeschooled. I am going to, but I do.

[Chelsea]

But I. But I don't teach them. I'm not saying this is fact. I say this.

[Luke]

She does give them options, right? She teaches them about both. Unless they make their own assumptions about

[Chelsea]

like the globe and NASA.

[Caleb]

I'm afraid to ask a question.

[Chelsea]

I'm scared to hear it.

[Caleb]

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[Chelsea]

Oh, gosh, that's so scary. Some of them, I think, are planned by the government and the Freemasons.

[Luke]

I think the shootings actually happen, but I think they're just random acts of violence. I do not think that. I mean, I think. Let me replay. I think some of them are. Because these are crazy as hell these days. But, like, you know, you gotta look like this way or you got kids having kids back in the day. They have no damn parents. We got a victim ass mindset of the world. It's everybody else's fault but mine.

[Chelsea]

They think they should have a litter box in their public school bathrooms.

[Luke]

That's been a thing, huh?

[Chelsea]

There are no litter boxes in schools. These conspiracies are insulting. Yeah.

[Caleb]

Wait, no. What?

[Chelsea]

They want litter boxes in the public school bathroom so kids can pretend they're cats.

[Luke]

They don't want them.

[Caleb]

That's okay. There's some crazy shit going on with, like, weird gender shit for kids. I. Okay, that's fine. Yeah, but that doesn't mean every mass shooting is fake.

[Chelsea]

Well, no, I didn't say every mass shooting. I just.

[Caleb]

That doesn't mean the majority. That doesn't mean any of them. A lot of them all Sandy Hook.

[Chelsea]

Yeah, that. Well, so actually, one of the teachers who supposedly died in that shooting died in a nether shooting, like a couple years ago. Like the same person.

[Caleb]

Apparently.

[Chelsea]

Central casting Apparently?

[Caleb]

Apparently means reality and fake. Bro, you just drew doors on the cap of the earth where angels control the weather.

[Chelsea]

Yeah. Angels are real. They are.

[Luke]

They are.

[Caleb]

If you're a believer, it's not saying that angels are fake or real. But you said they're controlling the weather via a door in the top.

[Chelsea]

Regardless.

[Caleb]

Did we go to the moon? Did we just fly around the moon? Did we just fly around the moon?

[Luke]

We did not go to the moon.

[Chelsea]

We've not been to the moon.

[Luke]

I don't believe it.

[Caleb]

Did we just fly around it.

[Chelsea]

We have not even flown near.

[Caleb]

Why? Because I don't understand why. It's not that difficult.

[Chelsea]

Even the buzz dude said that.

[Caleb]

It's not that difficult, though, to go up. Elon, it is in Brownsville, where he's launching rockets, like, every three days. That's all fake.

[Chelsea]

Well, I mean, they're going up, but they're not going that high up.

[Caleb]

So all the satellites where I'm getting

[Chelsea]

my Starlink, Internet, yeah, it's all fake.

[Caleb]

So the Internet I'm getting is fake. Where's it coming from?

[Chelsea]

No, your Internet might be real, but, like, I don't. But it doesn't change the space.

[Luke]

She thinks the idea of space.

[Chelsea]

You think we just got cell phones? You think we could go to the moon and take videos?

[Caleb]

Yes, it's not that difficult to go up, but it's that different than gravity.

[Chelsea]

But it all, like.

[Caleb]

It isn't that crazy. Like, yes, it's difficult for us to be 100% safe, but it's not actually that.

[Chelsea]

But it is. It is.

[Luke]

I think some of these conspiracies can be true because if you look at the way 911 happened, right?

[Chelsea]

And we are.

[Luke]

Afghanistan. If things happen in Afghanistan. Afghanistan. That didn't make any sense. Like, you have people there, dude. Like, we're not out there just, like, fighting a war, somebody trying to kill us, right? We showed up, tried to fix their shit. They got pissed off at us, number five, back and forth. Obviously, we're gone from there now. Right, but what does this have to

[Caleb]

do with the moon? Wait, what?

[Luke]

Because here's here. Here's what I think on that aspect of things, right? It's like. Like. Like 9 11, right? 9 11.

[Caleb]

Oh, fuck.

[Luke]

Was playing the moon stuff is done underwater. Are you gonna let me talk or no? What? What the.

[Chelsea]

Well, you interrupted me, so I figured.

[Luke]

Well, because y' all are just going on and on. There's nothing happening. The conversation.

[Chelsea]

There is stuff happening.

[Luke]

Dating him you're just hanging on to, bro, you had a whole lot of backstool, like, back facts on your stuff, so.

[Chelsea]

That's because we're jumping topics a lot.

[Luke]

It's a bunch of theories. So they have no.

[Chelsea]

I'm, like, blowing your mind right now.

[Caleb]

No.

[Chelsea]

Yeah.

[Luke]

She goes off this guy named Derek Johnson, 1776 on Facebook.

[Chelsea]

Amazing on Facebook. No. Okay. He's not just on Facebook.

[Luke]

He's got different stuff.

[Chelsea]

I'm pretty sure he has a photographic.

[Luke]

Here's what I think, bro. You don't know shit. Government doesn't want to. Want you to know shit. I didn't know shit.

[Chelsea]

Aliens are not real.

[Luke]

Like, you ain't gonna know shit unless they want you to know what you do know. They want you to know it.

[Chelsea]

But that's what I'm saying.

[Caleb]

Is Derek Johnson a Christian musician?

[Chelsea]

Yeah. He also does music. But you look up his. He's like a blueprint of everything, and he goes. Like, there's executive orders that put Trump as Commander in Chief. Like, the dash. The dash means he shot Derek Johnson.

[Caleb]

Trump.

[Chelsea]

No, that was fake. Good God. Have you seen his ear?

[Caleb]

Tell him that.

[Chelsea]

I will tell. He was. Yeah.

[Caleb]

No, like, he. No, he overplayed the ear thing. It was a piece of, like, shrapnel from when the bullet hit. Yeah, he overplayed that with the big. But to say he's not shot. He wasn't shy.

[Chelsea]

It was planned. It was staged.

[Luke]

She thinks Trump staged his own shooting.

[Caleb]

So essentially, to confirm your point, that

[Chelsea]

the one that was there. Yeah, it's all central casting. It's all.

[Caleb]

Nothing's real ever.

[Chelsea]

Well, what do you mean?

[Caleb]

No, Anything that's ever happened is not real to you.

[Chelsea]

Well, a lot of what we're taught is not real. Like Thanksgiving. The true thing around Thanksgiving isn't like,

[Luke]

one thing you can look at that may not be real. If you look at. Like, this is going to make some people mad, probably. But if you look at the Holocaust, right. There's been some videos.

[Chelsea]

I don't know.

[Luke]

I'd say don't give a shit. Like, there are some people out there that take a video of Hitler. And I'm not saying what Hitler did was good at all. Not I'm saying. But what I'm saying is I think nowadays Israel is definitely the.

[Chelsea]

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[Luke]

Head of everything. Right? The Jews are whatever. And, like, if you're. If you're a believer, right. And God talks about Israel.

[Chelsea]

We're trying to save the children as

[Luke]

a people, as a nation, not as the state as it is. Right. Like, Israel is a state, like its own thing. Right. But, like, they're the Most corrupt mother in the entire world. Like 100% right. And I'm not saying the Holocaust was good. Not say. I'm saying Hitler had a point. I'm not saying I agree with Hitler.

[Chelsea]

Yeah, I don't know if I agree with that.

[Luke]

Not saying he's not his own good athletic saying that. Let me finish what I'm saying, damn it. What I'm saying is, is the people who are disrupting our government now, right? If you look at everyone who is. Who was a Jew and they're in power, things like that, look it up, bro. Look the up. This. I'm not a big conspiracy. This is something that I will die on, right? Hitler was trying to prevent his country from taking over so much of crazy ass type people. Time out. Listen, that is a fact. Now what say Hiller kills innocent motherfuckers? He did. He did some really bad things. But his main purpose behind it all. He was trying to prevent a takeover from who United States is being run through by.

[Chelsea]

So basically what Trump is doing is like what Hitler was doing, except doing it the right way. He's trying to call everybody.

[Luke]

I don't know if I'm gonna say that, dog. I ain't gonna go that far.

[Chelsea]

He's not trying to kill.

[Caleb]

I ain't gonna go that far.

[Chelsea]

He's not trying to kill people. But he's trying to.

[Luke]

That's a little mix up there, dude.

[Chelsea]

But he's trying to expose people.

[Luke]

That is a yes. Okay. Talking about Hitler would expose nobody. He was saying basically you.

[Chelsea]

I don't like any. Trump is trying. When he's not trying to kill.

[Luke]

I'mma terminate you. You know what I'm saying? That, that, that's.

[Caleb]

Guys find each other.

[Luke]

Tinder. Oh, man.

[Caleb]

I don't even know what to say to any of that.

[Chelsea]

No, but to like clarify. To clarify.

[Caleb]

To clarify. There's a lot to clarify there.

[Chelsea]

What Hitler did was okay. Like, I am like, we're back to

[Caleb]

the H. No, because I don't think

[Chelsea]

what he did was okay. I had an abortion. Like killing people is not okay.

[Luke]

I think what Hitler was getting at, bro.

[Caleb]

What did you say?

[Chelsea]

I don't believe in abortion.

[Caleb]

Okay?

[Chelsea]

So I don't think. Because I don't think what Hitler did was okay. I don't think him killing people was okay. But I think that maybe there's a reason for what he was trying to do.

[Luke]

There was a different way he could have handled it. Yes, but the history books don't tell you. He was trying to stop. Are the Same. Running our today. Straight up. That's.

[Chelsea]

Do you need a minute?

[Caleb]

Dude, I don't need a minute. I just don't even

[Chelsea]

really. He's a margarita. Right now.

[Luke]

The state of Israel is running. Everybody's the Rockefellers. You guys vanguard. All these people, bro. They running. They running the show.

[Caleb]

There's four more of them that they

[Chelsea]

made and they are going to be the ones who are running this country the right way.

[Caleb]

Oh, our children.

[Chelsea]

My daughter's gonna be the next president.

[Luke]

Haven't be pretty cool.

[Caleb]

Me, I don't even know, man. I don't even know. So clearly your military disability is a brain injury.

[Luke]

It's a heart issue.

[Chelsea]

He does actually. He does have.

[Caleb]

From the military.

[Luke]

Yeah, I had a heart attack when

[Chelsea]

I was in an issue.

[Caleb]

He's got a. From the military.

[Luke]

I've got some PTSD and shit too going on.

[Caleb]

Well, everyone does.

[Luke]

It was all from the military. Yep. Too much caffeine, too much drugs, too much lifting weights, too much stress.

[Caleb]

They gave you the drugs?

[Chelsea]

Well, they gave him all sorts of vaccines.

[Luke]

We got a ton of them.

[Chelsea]

And so that.

[Caleb]

Oh, shit. Oh my goodness. You're literally latching onto everything that people like you are just on about.

[Chelsea]

Well, but because we're right.

[Luke]

See, you can't say that because you don't really know. You just have to.

[Chelsea]

But I do know.

[Luke]

Like, I ain't saying I'm right, but I have a theory for sure.

[Chelsea]

But I believe my theory.

[Caleb]

I think I'm happy that I got some of them when I was a kid. No, none.

[Luke]

I don't believe in vaccines.

[Caleb]

Not even polio?

[Chelsea]

No. Actually, if you look into the history of all these. Okay, polio is like a 0.00003% chance of even getting the paralytic polio.

[Caleb]

It wasn't very good back in the day when a lot of people were getting it.

[Chelsea]

I know, but that's what I'm saying. A lot of people were not getting it. Yeah, no, that's just inaccurate. And the studies and the statistics that you have that you get for that, you have to pay for it. Why do you have to pay for statistics on vaccine preventable.

[Luke]

It'll tell you.

[Chelsea]

No, you can't do that to get statistics for all these.

[Luke]

She's saying to get the data on the vaccines, you got to pay for it to get the data is what she said.

[Caleb]

Report that from who?

[Chelsea]

From the CDC or whatever the place is that has it.

[Caleb]

Listen, I mean, I think we just use ChatGPT.

[Chelsea]

No, you can't.

[Caleb]

I Think everyone is in alignment. That maybe went a bit too hard during the COVID thing with the freak out. Like, I get it.

[Chelsea]

That.

[Caleb]

But a lot of that is hindsight. Okay? Hindsight. We also didn't really. We didn't really know.

[Luke]

I'm telling you, when I first started,

[Caleb]

I was like actually trying to give you a bone here of like, understand where a lot of people's minds are because we went way too hard in places like California license. No, I get it, I get it, I get it, I get it. In a hindsight, yes. It wasn't as. I get it. If you're a healthy adult, whatever. But come on. I mean, I'm okay that I got the polio. I'm happy that I got the polio,

[Chelsea]

but not everybody is.

[Caleb]

Not everyone is what?

[Chelsea]

And if your vaccine works, then why do you. Why do. Why do we need to get it? So let's say you've got your polio vaccine.

[Caleb]

What did you just say?

[Chelsea]

And I'm not. And your vaccine works and polio is going around. Then why do I need to be vaccinated if your vaccine works?

[Luke]

Because vaccines create antibodies to protect you against hp.

[Chelsea]

But I've got. Yeah, but the disease.

[Caleb]

They gave him a big.

[Chelsea]

I know. Which is why he's kind of.

[Luke]

You think, listen, dog, that's not why actually.

[Caleb]

But dude, I don't even. I just don't even know what to say when there's like different realities. It's not a conversation that can be had. I just don't know.

[Chelsea]

But it's. There's reality and then there's the show that you're being given.

[Luke]

Okay, Tommy, I'm say this real quick. This is the basis. But we've got. This is definitely like a belief thing, right? And I will say this if I. So when I was born, right, My mom, she's a nurse. We've been nurse for 40 something years, right? She didn't get us back vaccinated at all, right. I think. Well, they went. The vitamin K shot, I think something like that. One or two that was.

[Caleb]

Individuals do.

[Luke]

And what I'm. What I'm saying is, is like there's a lot of people, I feel, who don't get the vaccine. Just stay healthy for a very long time, don't get sick very often, whatever, right? And then. And. But I'll say this on the. On the contrary, right? On the contrary, right. When I went to the military, they give you every damn vaccine. Probably you think of in your mind,

[Chelsea]

blood type is healthy.

[Luke]

When I was in There I. Dude, I don't remember one time you've also

[Chelsea]

had a heart attack.

[Luke]

Sick. Besides that. Right, and that's kind of a big deal. I get. Right, but the, but the heart attack. Heart attacks can be very much stress induced, stimulant induced, whatever the case may be. Right, Stress, whatever. Heart attacks can happen for a lot of freaking reasons.

[Caleb]

You said drugs. Like I don't know, but you said drugs.

[Chelsea]

Drugs. Yeah, drugs.

[Luke]

Drugs I took. Okay, So I took a lot of like obviously. I mean you've got pre workouts got a ton of shit in them you don't really know about. Right?

[Caleb]

Including caffeine. And if you were caffeine max, like you're. You're likely above the daily dose. Right?

[Luke]

Taking a ton, bro. It would.

[Caleb]

Okay, well yeah, that would do it.

[Luke]

But there was also, you know, you got to look at like sarms, a selective angel modular receptor. I don't think those are or not. They're basically a selective andro receptive module module. Excuse me. Receptor module. I can't say it. But basically what they do is they attach to your. Attach to your receptors in your body to create physical attributes. Whether it's muscle endurance, whatever. Right. Instead of taking like steroids. It affects your hormones. SARMs for the most part don't affect your hormones. Right. So I was taking those. Right. So I was pretty jacked, whatever, things like that.

[Caleb]

So okay, what's your disability again on a monthly basis?

[Luke]

4, 640.

[Caleb]

Okay. So 8446. Okay, that's.

[Luke]

Wait, what?

[Caleb]

What's the four that comes in with the other job.

[Luke]

So that's Di.

[Caleb]

How much is that?

[Luke]

1905 plus 955.

[Chelsea]

Can you whatever that is Math. That.

[Luke]

Yeah. I didn't go. I didn't go to college, but I dropped out.

[Caleb]

So 905. You said 1905.

[Luke]

So 1905 plus 955.

[Caleb]

Okay. Okay, so yeah, that makes sense that you can stay at home and teach your children to be retarded.

[Luke]

So work.

[Chelsea]

Actually my kids are several grade levels above the average.

[Caleb]

How would you know?

[Chelsea]

Because I've tested them.

[Caleb]

You tested them? Great.

[Luke]

She's got a third party. You gotta talk. Say shit. For real, bro.

[Chelsea]

So they're actually extremely smart and socialized.

[Luke]

Uh huh.

[Chelsea]

They are.

[Caleb]

I believe that.

[Chelsea]

Did you know over 70% of kids in the public school system aren't even making their.

[Caleb]

Did you know that 100% of the things you say I can't trust anymore. You've ruined everything you will accomplish because

[Chelsea]

you don't know, the research. I don't have all the research in front of me.

[Caleb]

This is how you drew the planet. And you said angels come through this door to control the weather.

[Chelsea]

Well, read the Book of Enoch.

[Caleb]

Let me just grab my stuff off the bus. I don't know that one.

[Chelsea]

Okay, exactly. But do you believe?

[Caleb]

What is it?

[Chelsea]

Okay, well, here's the thing.

[Caleb]

What is it?

[Chelsea]

It's a book.

[Luke]

It's part of the Bible.

[Chelsea]

From the Bible?

[Caleb]

Is it in the Bible?

[Luke]

It's taken out of the Bible.

[Chelsea]

It's taken out of the Bible.

[Caleb]

Okay, well, if it's not in, then

[Luke]

it's because of King James, bro. King James is a corrupt little shit bag too, huh? King James took the Book of Enoch.

[Caleb]

Hold on. If you are a believer in the Christian faith, the book of the Bible is the word.

[Chelsea]

Yeah, that's it.

[Caleb]

That's it.

[Chelsea]

The original Bible. No, that's not it. There was the original Bible. There's the Ethiopian that the Council of Trent took out. There is. There's all sorts of things, all sorts of books that were taken out.

[Caleb]

I didn't even answer that.

[Luke]

Yes, yes, they're the ones that took it out.

[Chelsea]

But it's Council Nicea.

[Luke]

I can't say that word. But anyway, not trans. Like, the whole purpose of it is, right? Is like I believe if here's a deal too, about the word, right? The word. The word of God has been translated.

[Caleb]

Your mother's. Your mother's soul.

[Luke]

It's translated so many times, bro. You can't take the word of God in an niv or nit or a King James verse and read it.

[Caleb]

So why would they take that out, your magical dome?

[Chelsea]

Because then it proves government, bro. That's the government.

[Caleb]

Why? What advantageous thing would the government have to say that it's. Hey, what Benefit control. How are we being controlled by saying the earth is like this.

[Luke]

If you prove God is real, what

[Caleb]

does it do to say it's round? What do they gain?

[Chelsea]

Okay, for example, what are they gaining?

[Luke]

Deception.

[Chelsea]

Deception. The truth of God, the truth that the Lord is real.

[Caleb]

How does it disprove that by saying the planet's round?

[Luke]

Because when you, when you, when you read the first. When you read the Bible, I can't quote it, right? I can't. But if you read the Bible, when it starts, when it starts talking about how he made the earth, right? He talks about the firmament, waters above the firmament, and then he talks about.

[Chelsea]

And how the earth was made. Because then it disproves evolution. It disproves evolution and like that we came from monkeys. They want control which is the source.

[Caleb]

Okay, so okay, when Darwin made that, you know, he worked on all that. Very good. What does it actually give them? That some people believe in evolution

[Chelsea]

Proves God is real.

[Luke]

If you prove God is real, you lose. You lose all power, all, everything matter.

[Caleb]

Because like first of all Republicans in this country are overwhelming religious and they're trying to push religion.

[Luke]

They think.

[Caleb]

Okay, they think they are but like

[Luke]

you want, they want you to think they are.

[Chelsea]

It's a spiritual battle.

[Caleb]

But for what is this battle raging?

[Chelsea]

You ask?

[Luke]

I don't know what stands at the center.

[Caleb]

Well so then you working together Enoch?

[Chelsea]

Yeah. E, N O C H. Republicans and

[Luke]

Democrats work together anyway.

[Chelsea]

It's. Yeah, but it's a spiritual battle.

[Caleb]

So you run for office and I get elected. I'm all of a sudden I'm going to just be this evil person. A part of a conspiracy.

[Luke]

I wouldn't say that even if I

[Chelsea]

never heard of it. But you probably would have heard of it.

[Luke]

I think people slowly because they're going

[Chelsea]

to introduce themselves to you and they're going to ask you to join their. And if you say no then they're not going to let you go further. Or if you say yes and then say no, they're going to label you as crazy. Why do you think they're all on Candace Owens ass? Trying to make her look crazy.

[Luke]

There's one. She might be. That's one option.

[Chelsea]

She's not crazy though. She might be like you know, okay, you know Britney Spears, she. Her and Justin Timberlake actually died in a car accident in 2001.

[Caleb]

Enoch was not actually written by the biblical Enoch. It was written by multiple Jewish unknown authors allegedly composed over several centuries from Enoch 300 BC to 100 BC. Yeah they found with some sections possibly even later.

[Chelsea]

So Enoch was actually.

[Caleb]

It's not a single book. It's a collection stitched together.

[Chelsea]

So Enoch was actually sent into the garden of Eden to be as like a bookkeeper for everything that's found in the world.

[Caleb]

It's. That person isn't a thing. It was written by other Jews. Jewish people.

[Luke]

But I also think this. Bro, you have to go. You have to read the book. It may be fine.

[Caleb]

I would say it was written by multiple Jewish people.

[Luke]

That's going to tell you what they want to show you what they want you to know.

[Caleb]

Okay, very good. And where are you getting the truth?

[Luke]

We made it up.

[Caleb]

We made this one up. It's a made up tale It's a total fabrication.

[Luke]

Hear that? That's the sound of busy. To a restaurant. All that shouting and banging might as well be a symphony. It means the long days and longer

[Caleb]

nights are paying off.

[Luke]

Sure, it's noisy, but there's a worse sound.

[Caleb]

This not busy.

[Luke]

Busy means business.

[Caleb]

Which is why toast gives restaurants the tools and tech they need to help them perform under pressure.

[Luke]

Sounds pretty good, right?

[Caleb]

Toast built for busy.

[Luke]

See, this is where I.

[Caleb]

He told to you. What do you mean? Enoch said this is written by Enoch.

[Chelsea]

What?

[Caleb]

This is written by Enoch.

[Chelsea]

I didn't say Enoch said it was written by Enoch. I said read the book of truth. How am I getting what truth?

[Caleb]

That truth that it was that Enoch went into the garden.

[Chelsea]

Because it's in the Bible. It's in scripture.

[Caleb]

Which one? In Enoch.

[Chelsea]

In Enoch.

[Caleb]

Which is not in the Bible.

[Chelsea]

It was taken out of the Bible.

[Luke]

It was not in the Bible though.

[Caleb]

This sounds absolutely insane.

[Chelsea]

And I'm aware it was originally in the Bible. No, I'm pretty sure I'm right on that, though.

[Caleb]

I don't think you're right on anything.

[Chelsea]

I am right on it. It was taken out of the Bible because they felt like it wasn't. It couldn't be proved. Legit is their reasoning. But it was in the original.

[Luke]

Here's my deal too, bro. It's like if you're talking. I don't know. I don't know if you are or not. Caleb, if you talk to anybody else who is a believer and not a believer, whatever the case may be is right. Whatever your belief is right. It's really hard unless you've experienced God yourself. It's hard to believe that God is real.

[Caleb]

So it's considered a false attribution by scholars all across multiple centuries since the Bible was made.

[Luke]

Because everything that it talks about is very. It's very different.

[Chelsea]

They don't want you to believe.

[Caleb]

They. You keep seeing they.

[Chelsea]

The people in control like the Rockefellers, the.

[Caleb]

The Rockfellers didn't exist. The I've seen didn't exist.

[Chelsea]

When all these. These.

[Caleb]

When they said. Well, they didn't exist over the years when they were saying it's a false attribution.

[Chelsea]

But people like it was never not

[Caleb]

once a part of the Jewish canon, not once a part of the Hebrew Bible.

[Chelsea]

It's part of Ethiopian Bible.

[Caleb]

Ethiopian. Why the would I care about Ethiopia?

[Chelsea]

Because that's the original. Like the least messed with Bible. But like you gotta show because you're reading stuff. But how do I know that what you're reading is actually because I've done my research. From what you're doing like a five

[Caleb]

minute little scroll from what have you done your research though?

[Chelsea]

Well, I mean, how does anybody do research? You read books, you research things, you Google, you read scripture.

[Caleb]

I will say this. I mean, I, yes, I am, I'm closest aligned with Christianity, I guess. Okay, but even still, if you, you can't read that and say because you heard it in the book and the book says the book is real, that all of a sudden the book is real.

[Luke]

Let's be real about something.

[Caleb]

No, but that's not how that works. Because that's exactly, that's faith.

[Luke]

But that's not factual.

[Chelsea]

Well, that's your opinion based off somebody's faith.

[Caleb]

No, that's faith, that's not fact. I still do believe in the Bible. Cause I'm going to believe it's fact.

[Luke]

But this is for me and hers.

[Caleb]

But I'm also a realist. I understand that. Just because people are like, if a book tells me the book is real, that doesn't mean the book is real.

[Chelsea]

But it does. Because everything that's happened in the world, that's religious belief.

[Caleb]

That's not an actual research fact. But okay, about the world outside of the book of what was happening.

[Chelsea]

So much science points to science, dude. Okay, do you know they found Jesus's blood? Like they, like all of that is real.

[Luke]

They found the Ark of the Covenant.

[Chelsea]

Yes, they found the Ark of the Covenant and they tested his blood and it only had the chromosomes from his mom. So there's facts that have been hidden that show everything in the Bible is real. Like when Moses split the sea, they found all of the pieces of the trolleys, whatever they're called, chariots. Chariots in the bottom of the sea. So there is proof, but they're covering it up in hiding.

[Luke]

There's certain stories of the Bible they can go back and find the actual artifacts of the story of where it happened. And like all of that. But I will say this. I agree with Caleb to an extent where it's like, I do believe in God. 100 Yeshua, Yahweh, whatever you want to call him. Right? But at the same time, I think God has given you the ability to use discernment and also the fact of like being able to decipher fact from fifth. From fiction, not fiction. Right? So no matter if you're, if you're a human bro, you're going to have the issue of, okay, yes, I do want to have faithness, but at the same time. I still speculate. I respect whatever.

[Caleb]

You're still speculating. You're telling everyone else that they're. Because this is a part. It is a part of the Ethiopian and Iranian Orthodox Bible. So it's a part of them. But for every other denomination and faith, it's treated as Jewish literature rather than scripture. So you're just saying that the other people's faiths are wrong.

[Chelsea]

Okay, so think of it the same. Right?

[Caleb]

You're just saying the other people's faith is wrong.

[Chelsea]

No, that's not what I'm saying at all. That's not what I'm saying at all. We're all on our own walk to learn and be taught and told what to believe by the Holy Spirit. However, look at it this way. So we've got modern medicine like Tylenol, right? So let's say we're using Tylenol to get our fever down. Well, then we come across some old scrolls that say, oh, you can get your fever down with a cold washcloth. That doesn't make Tylenol irrelevant. What the fuck?

[Luke]

It's a hypothetical example.

[Chelsea]

I'm giving you an example that doesn't make the Tylenol any less real.

[Caleb]

Oh no, you're an author. You wrote a book. People are reading your book. It's on Amazon.

[Luke]

Oh no.

[Chelsea]

Oh yeah.

[Luke]

That one doesn't have to talk about anything crazy.

[Caleb]

Oh, it has one review. That must have been you.

[Chelsea]

Actually, no, I don't think you can do your own book. I tried.

[Caleb]

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[Luke]

Only.

[Caleb]

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[Chelsea]

I mean, I can still write a good book and have my own conspiracies.

[Luke]

It's just true.

[Chelsea]

Yeah, it's great. It's helped a lot of women. Actually, it has. Including myself. Like, I know attorneys that are giving it to their clients.

[Caleb]

Oh, guys, I just. I don't know what to do. Listen, like. Yeah, now I listen. Was that a financial conversation? No. But does it absolutely suggest how the. You probably cannot communicate in this house. Absolutely. Once you guys have sent your set your own realities and your own opinions on something. You guys are hardlined. You will never be changed.

[Luke]

You gotta be flexible, bro.

[Caleb]

But you guys aren't is the thing. And if you guys have difference opinion on finances in this house.

[Luke]

But we ain't the same. Okay?

[Caleb]

Exactly. But you guys are married. But your finances aren't. You guys are. And you guys are so hardlined. And you will never be flexible on finance.

[Chelsea]

I'm flexible.

[Caleb]

What are you talking about?

[Luke]

No, you're not.

[Caleb]

You just. When you went like, you completely disagree

[Luke]

and disregard everything that I do. You are not flexible.

[Chelsea]

I am flexible.

[Luke]

You just have any control.

[Caleb]

Tell me, tell me the finances in this house. How you guys go about it. How the conversation.

[Luke]

She has no idea. Because she doesn't want to have. She wants to know when I try to give it to her. She says, oh, you're the man you're supposed to handle. I can't handle all the weight of that. You're supposed to lead her. You do it all. But I want you to do it my way.

[Chelsea]

But he spends his money on like stuff that he shouldn't be doing.

[Luke]

That is a fact. I want to argue with that, but at the same time.

[Chelsea]

So my bills are all paid on time, like, but his. But when he pays my bills, they're late because he'd rather have fun and

[Caleb]

also for what it's worth, I do have to say when you talk about how it was taken out. Cause I care about this. The Jewish canon, the Tankan and Hebrew Bible was largely set by the second century or by the first century.

[Luke]

They chose what they wanted to write.

[Caleb]

And the first Enoch was written after that by year 300 or 100. And it was written after the Bible was already said. So you can't say it was taken out of the Bible. It was written post Bible, but it

[Chelsea]

was part of it written after.

[Caleb]

So you can't say it was taken out, but it.

[Luke]

So technically that means it was added.

[Caleb]

So you're asking for it to be added. And guess what?

[Luke]

I didn't know that actually. So that's interesting.

[Caleb]

And then the Bible specifically talks about in there and I can't quote scripture and stuff. I'm not good enough for that.

[Chelsea]

Okay, you're wrong.

[Caleb]

But it. Huh?

[Chelsea]

You're wrong.

[Caleb]

Okay, good. And whatever it says, it says like it warns you of false prophets and all this in other additions. And when people try to add things, it warns of that. And this is additive.

[Chelsea]

But is it.

[Luke]

It is. Okay, off on that subject. Right? Like if he's. What he's saying is factually correct, right? Off of what he's looking at, if

[Chelsea]

that is a fact, I think he's correct.

[Luke]

Right. It's like if it was added to it, then he just quoted the fact that you shouldn't believe the things that are added to it and blah, blah, blah. Right. I mean, like I think even if the book of Enoch is true, say it is. Right. It still adds a lot of confusion and more things you want to. You have to decipher through things. You have to try to not or to believe. That was a protection. Hey, listen bro, don't. Don't go down these rabbit holes because all you need to know is about me and only me. You want to know all the facts.

[Chelsea]

Yeah, like all that.

[Luke]

That's what it narrows down to.

[Chelsea]

Well, it's fun to go through in like these rabbit holes, but like truly ultimately matters your. It's fun.

[Caleb]

But when you base your whole worldview off of rabbit holes and you're raising your children based off of rabbit holes, when you raise your children based off of that, that's concerning.

[Chelsea]

I'm not raising them off rabbit.

[Caleb]

Have you told them this? Yeah, that's concerning.

[Chelsea]

But I've also told them the other theories and I've said it's a theory. Theories?

[Caleb]

What theories?

[Chelsea]

So like the globe.

[Caleb]

I'm sorry, us Going to the moon's not a theory. Us flying around the moon a week ago is not a theory.

[Chelsea]

That's your opinion.

[Caleb]

Mars. No, that's not my opinion. Mars, you can get a telescope and go see Mars.

[Luke]

You can look at it.

[Caleb]

That's not a theory.

[Luke]

No, you can see it. I've seen it.

[Caleb]

But that's not a theory when you see it.

[Luke]

But how do you know we've actually been there?

[Caleb]

That's the thing, we haven't been there to Mars. Rovers are. Rovers are. We have live feed.

[Chelsea]

Yeah, that's fake. What?

[Luke]

I've never looked at it.

[Caleb]

So when the Soviets in America were in this massive space race and the Soviets set even a rover to Venus, you're saying that's fake? They conspired together. The two enemies of the world conspired together.

[Chelsea]

Yeah.

[Caleb]

Why would the Soviets in America conspire together?

[Chelsea]

I don't think that far into it.

[Caleb]

Oh, but you just have to say

[Chelsea]

it's fake because it is. That's my opinion.

[Caleb]

That's just your opinion. That makes no sense. It does.

[Luke]

Everything she says is her opinion.

[Chelsea]

But it's most likely. It's most likely fact.

[Luke]

Her opinion's fact though. Like you can't argue with them, bro. Well, when I say you can argue with women is the definition.

[Chelsea]

Who? Chelsea.

[Luke]

Chelsea is the definition, damn it.

[Caleb]

So again, like the Torah that was widely accepted and authoritative by 400 BC we are tor what Enoch was done by 100 BC but there's also 300

[Luke]

years after there are people who don't believe in the Torah.

[Caleb]

The prophets were mostly fixed in by 200 BC. Again, Enoch, 100 BC.

[Chelsea]

Does this make me correct?

[Luke]

Huh?

[Chelsea]

If I do that, does that make me correct?

[Caleb]

No. But if you actually read it.

[Chelsea]

But I've read it. But you're doing like a two minute little reading on Google. Are you on Wikipedia? Wikipedia is not like a good place to get your information from.

[Caleb]

Okay, where is lady help me?

[Chelsea]

Well, lots of places.

[Caleb]

Okay, very good.

[Chelsea]

But you have to take from the

[Caleb]

book of Enoch itself when it said. No, this is actually written before Enoch

[Chelsea]

is even mentioned in like the Bible where Google it.

[Luke]

You don't trust Google.

[Chelsea]

Yeah, well Enoch is talked about in the Bible.

[Luke]

Well, he is. Yes.

[Chelsea]

So I do have something that you can look up that's fact. That's actually really interesting. In the Bible where it says in the beginning, if you translate that to old pictograph, ancient pictograph and then ancient,

[Caleb]

what do you think your household financial score is? 0 to 10, 0 being the worst 10 being the best. So is the score.

[Chelsea]

Well the. The trans person was 2.5 and I feel like we're better than him. So we're. Yeah.

[Caleb]

Hammer Financial score. Get it for free@caleb hammer.com just take the assessment. It just takes a few minutes and you can see where you stand. So take it for free. Link below caleb hammer.com if you don't want to be like guests who end up on the show, make sure you download the doll as budgeting app app. It is great. Tens of thousands of monthly active users for a reason. Check out the free trial and if you like it, sign up for the annual version because you save almost 50%. And to get my budget friendly you get this 30 day meal plan.

[Chelsea]

Yay.

[Caleb]

And the budget friendly cookbook, the digital version. But you get this physical version of the meal plan signed by me mailed directly to you. Okay. So yeah, I mean you are right. It's mentioned in the standard bible that most people say just in terms of like a person not necessarily doing much.

[Chelsea]

There's only one.

[Caleb]

He went for a walk once. He was born once. He was the father of someone once. Okay. I mean, yeah, that's pretty much it.

[Chelsea]

I'm right.

[Caleb]

You're wrong. About what?

[Chelsea]

About this. Okay, well you're the one trying to disprove me. I'm just letting you know.

[Caleb]

Not even that. Just bringing up context of like the timing of like the actual timing, like time. Just context of time.

[Chelsea]

Okay.

[Caleb]

And if that doesn't even make you question something that's a little concerning because the people like you are always like, I'm the open minded person. I'm the one that's willing to consider anything. But the moment you hear something that actually challenges your conspiracy, it just freak the fuck out.

[Chelsea]

Because the just time, I just care

[Caleb]

about when it was written.

[Chelsea]

Yeah, but you can't know the exact time because they've changed our calendar and our time.

[Caleb]

Oh, see that's how you can never have a conversation. Cause no matter what, the world is fake. And if the world is fake, then you can never be right.

[Chelsea]

No legitimately.

[Caleb]

So like it doesn't work. What time?

[Chelsea]

What?

[Caleb]

What year are we in now?

[Chelsea]

Well, that part I don't know.

[Caleb]

Okay.

[Chelsea]

I think it's like 2013.

[Caleb]

Does that even matter? Why does it even matter?

[Chelsea]

Yes. If you're talking about this year is

[Caleb]

whenever we decided we started tracking. The year is different in different countries. It's different in China. It's different in North Korea. The year's different. Yes, it is.

[Chelsea]

I Know, but what you're saying is, is it's true, but inaccurate. Because if your timing.

[Luke]

That makes no sense, bro.

[Chelsea]

Because if you're putting a timeline on something and your timeline changed halfway through.

[Caleb]

Okay, so you don't trust her with money. Cause she's no like. I understand. I get it. Listen, you. I wouldn't trust you with money either. Cause you're the one laying on the mortgage. But even still, it's just like you're not willing to combine because you don't trust her.

[Chelsea]

Need to have a 13 month. 13 month year with 28 days in each.

[Caleb]

Why? Why does it even matter?

[Chelsea]

Because it Fs with our time.

[Luke]

Why does time even matter? That's my question.

[Caleb]

Eh, Fucking say what?

[Chelsea]

Because if you're gonna make facts, like claim facts off of a timeline that isn't accurate, then you can't make that fact claim to be fact.

[Caleb]

Oh my. I don't even know what to do with you. So, yeah, you don't trust combining with her. I don't blame you.

[Chelsea]

I don't trust combining with her.

[Caleb]

Crazy. What is going on in the household finances right now, guys? Please tell me.

[Chelsea]

Well, we did have a flood in our house.

[Luke]

That was.

[Caleb]

No, I'm talking about Yalls dynamic.

[Luke]

Well, I'll tell you what it is. She. I'll tell you. Me, right? Me, I believe. Have a little fun. Probably only here for so long. I get money every single month. Like, so I believe in living my life a little bit. Do a couple things that I want to do.

[Chelsea]

Couple?

[Caleb]

But you got kids. Aren't they important?

[Luke]

Kids can have what they need. They don't have to have what they want.

[Caleb]

They can have what they need. But need is a roof over your head. And if you're getting laid on mortgages,

[Luke]

we ain't about to lose.

[Caleb]

It's only so long that it gets so close until it impacts your credit. Until it gets.

[Chelsea]

Our credit's impacted.

[Luke]

My credit's been impacted for years. I mean, honestly, credit is like the least of my worries right now.

[Caleb]

But people lose their houses every day. You're not in a unique position necessarily. You push it to that edge so many times, then they lose something they need. It's not about what you want. Yeah, but put it close. Push it closer and closer.

[Luke]

True. I just. I'll tell you this right now, man. I, I, I. Okay, I'll say this. I did make a mistake allowing us to go to Tennessee last year and skipping the mortgage one time. Right. I'll say that. And right now, yeah, that's just what I decided to do because we want to go see family. So what I did is like, well, I said, I'll push the mortgage from the first all the way to about the. I said, wait till I get paid again. Right. Because we weren't on track. Right. We were. And then I. I basically skipped a month of the mortgage. Right. So I can pay at the end of the end of the month. So the first month I said, they're not gonna take it from us. Let me finish talking. Right. And so I did that. And when I did that, I just haven't made enough money ever made enough money again to catch up on that. So I'm just behind because of that. Honestly, for the most part.

[Caleb]

As you know, finances are a leading cause for divorce in this country. And she loves getting divorced. So this is.

[Chelsea]

I don't love getting. I'm gonna pretend that I didn't hear that. What'd you just say?

[Luke]

You, like, interrupt a lot. Every time I talk, you just want to interrupt me when I talk and stuff.

[Chelsea]

Well, so. Because part of it was Christmas, like we had to get them Christmas stuff. But I don't like that.

[Luke]

I definitely disagree with that shit too.

[Chelsea]

That sucks. And that's expensive. Divorce is expensive.

[Caleb]

You have a voice.

[Luke]

No.

[Chelsea]

Yes.

[Luke]

I don't. I have one. It get real loud too, but it offends her, so.

[Chelsea]

It does.

[Caleb]

I love when I hear someone say they don't have a voice and then the other person that controls them says they have a voice.

[Chelsea]

Voice. Well, because he controls everything.

[Luke]

She thinks she controls me, but I just do where the I want to, so.

[Caleb]

Oh, so you do have a voice though.

[Luke]

Yeah, but it's quiet.

[Chelsea]

It's not quiet. Have you met him?

[Luke]

It's quiet.

[Chelsea]

It's not quiet.

[Caleb]

Guys. You guys are on a 40 year mortgage. Nobody does that.

[Luke]

Well, that's okay, so. Yeah, I know. You're right. Nobody does that until you about to lose the house and then they offer that.

[Caleb]

So you almost lost the house.

[Luke]

Almost did. Yeah.

[Caleb]

See how close we are? That we've almost lost the house and we have kids. We don't prioritize fun.

[Luke]

Exactly. You don't. You don't. I could go on and on about that one, but even for me too. Like, I'll say that for me. I'll start with me for. Yeah, bro, like, I was a dumbass. I spent a bunch of money on some video games. I spent some money on.

[Chelsea]

Ask him how much.

[Luke]

How much he could find out. Don't worry. I don't even know, so total 2500amonth. Not a month. Get the out of here. It's not a month.

[Caleb]

I mean, yeah, our spending's in the thousands. It's. It's insane.

[Luke]

Just within a single your coffee is getting snacks. That's where all of our money is.

[Chelsea]

He has this thing where anytime he goes to get gas he has to get a little snacky snack. Neck.

[Luke]

If I gave you the damn money to do it, you'd do it too.

[Chelsea]

No, because I don't like getting out of the car.

[Luke]

Oh.

[Chelsea]

So. And I usually.

[Caleb]

Yeah, I know that's where the Jews hide.

[Chelsea]

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[Luke]

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[Chelsea]

Why wait? Ask your doctor, visit botoxchronicmigraine.com or call 1-844botox to learn more.

[Luke]

You're lying out your ass right now. Tell the truth.

[Chelsea]

I am.

[Caleb]

You're not.

[Chelsea]

I don't like candy because it has food diet.

[Luke]

So you don't. You don't spend money on bullshit at all.

[Chelsea]

Ever.

[Caleb]

I love the taste of red dye.

[Chelsea]

Well, it's gonna give you cancer, so

[Caleb]

I'm ready for it. At least I went down having fun.

[Chelsea]

I mean tomato tomatoes.

[Luke]

Don't consist, bro. Nah, dude, like here's this is honestly like partially my real point of view of half past couple years. I'm stubborn but it's one of them deals where it's like, like you know if I. And I know you're going to disagree with this, right? Probably. But my view is if it's not getting taken away and I can get it caught up later on. I didn't worry about missing it for a month. Right.

[Caleb]

Cuz the time your loan though for the consequence.

[Luke]

Say that again.

[Chelsea]

But we're going to stay consequences.

[Caleb]

You're on a 40 year loan now.

[Luke]

That. Yeah, that was a big mistake.

[Caleb]

At a 6.25% interest rate.

[Luke]

That happened since though. I'm not going to.

[Caleb]

Oh, you didn't get on a new 40 year loan since.

[Luke]

No, no, no, no, no, no. I. I'm not going to get behind dam or 30 grand on my mortgage before they tried to take it. That's what.

[Caleb]

How far behind were you?

[Luke]

We were couple.

[Chelsea]

Don't exaggerate.

[Luke]

A couple months. Well, I think it was on like what, so it's 4,000. Damn near 4,000amonth. So before eight months plus fees. Two and a half plus fees. Yeah, something like that.

[Caleb]

Hey, your regular monthly is $3790.08.

[Luke]

Yeah, but I want to throw this out there. I want to throw this out there. That's about to go down to. That's decrease $1,000 because. So when I sign for the house, right. I don't. I don't. I'm not supposed to pay property taxes, right? They never told me. I wasn't aware that you have to go and apply for the exemption. I thought it was just adding it into your mortgage. No one ever told me, Joe, don't

[Caleb]

you owe the HOA like 6,000 bucks?

[Luke]

Well that is very true, yes.

[Caleb]

And you know they can. People have lost their houses for not paying hoa.

[Luke]

I wasn't aware of that either. Like honestly. So first two years that we lived

[Chelsea]

here, this is on him.

[Luke]

This is all on me. Because she didn't really give a shit.

[Chelsea]

And honestly I did give a shit.

[Caleb]

Wait, if you're home all day, why can't you deal with some shit?

[Luke]

Because she don't want to. Don't bullshit. Don't bullshit.

[Chelsea]

He told me he was paying it monthly because it would like $170 monthly. And then I couldn't get into the pool and. Or no, the gym there. We have a gym and I couldn't get in. And I went and talked to them. They're like, oh, you guys are behind. And I was like the.

[Luke]

I was unaware because you had to pay the shit separately when I was signing up for the house. I've never bought a house before. I was due to all this shit. I just didn't think to think to look into it. I don't know, I just didn't think about it, right? And so I thought, hoas, all that shit was tied into it, right? Obviously it wasn't. So then about a year and a half later, almost two, they send me a notice, hey, bro, like, you're behind like five grand. Need our money, right? And I was like, what the. I thought you were taking out the whole time.

[Caleb]

No, it's just, buddy, your car's not even registered. You owe sixteen hundred dollars there. I just don't think you guys do

[Luke]

anything well on that one. So listen, there's no story on that, right? I always have a story. I know, but. So when I bought my first car, right, it was in Texas, right? Tax, titles, fees, laws, all that was included in the deal, right? That's how they do in Texas, right?

[Chelsea]

Oklahoma.

[Luke]

Oklahoma's different. And so is Arkansas. And so when I had to buy this car because the car I was driving at the at one point was paid off, but I'd wrecked it, missing a whole half. Half the fucking car was gone. Whatever, right? Had to go get this car. It's the only thing they have on the lot for me, supposedly. And so when I bought it, I had never had to pay ttnl, right? And they didn't tell me to do this when I left, so I just didn't think about it. I just had no idea. And then when it comes to the tag on the. The car, right, they told me, yeah, just transfer your hand.

[Caleb]

Just pay it. You guys make money. Just pay it.

[Chelsea]

We can't, because he's spending it on eating and out in baseball.

[Caleb]

Yes, you spent $1,000 more than $1,000.

[Luke]

No, that's the thing.

[Caleb]

Okay, but we do now. We do now, though. We know the hoa. We know the car thing. And you guys spent thousands on last month. Yes, thousands. So just pay it, guys. Come on.

[Luke]

What's the best.

[Caleb]

What are we doing?

[Luke]

That's a plan.

[Caleb]

Now Capital one, who has this?

[Luke]

She got all the debt.

[Caleb]

Okay, really straight. Wait, but you don't even make money. Why are you the one going into debt?

[Chelsea]

Is like before.

[Caleb]

No, it's now. You spent on this now last month you spent on this. And listen, you pay it relatively down, but not enough to make it not accruing interest. And also. So I was paying you. Hey, she had a past due fee, so I thought you were getting on his ass for not paying shit on time, but you were past due.

[Chelsea]

I was paying it, and then I stopped getting money.

[Caleb]

So why?

[Luke]

From what?

[Chelsea]

So I was using so I was using that. And like. No.

[Caleb]

Where were you getting money from?

[Chelsea]

Child support.

[Caleb]

Why'd you stop getting child support?

[Chelsea]

Because he decided to stop paying it because he's trying to make it to where I can't pay for my attorney.

[Caleb]

I'll deal with that.

[Luke]

So.

[Chelsea]

But what I'm saying is, like, I was trying to get my credit back up so I can lower my car payment back up.

[Caleb]

So you're spending it on Chick Fil A. Chick fil a McDonald's and. Bullshit. This is bullshit. It's all bullshit. You. And interest is accruing like you're not even just paying it off.

[Chelsea]

But I was. Because you're supposed to pay it down to like 30%.

[Caleb]

No, no, no.

[Luke]

It's.

[Caleb]

You don't keep it above 30% or else if you. Dude, my credit's better than your credit's ever been. And I've never had interest accrue once on a credit card.

[Chelsea]

But it's only like 30%.

[Luke]

Doesn't matter.

[Chelsea]

Matter.

[Caleb]

Doesn't matter. I've never had interest accrue once on a credit card.

[Chelsea]

$30. So you spend like $600? Yeah.

[Luke]

Yes.

[Chelsea]

No. Well, between two.

[Caleb]

Yeah. No, between this card.

[Chelsea]

Well, then that's interesting.

[Caleb]

You spend $534.89 in one month.

[Chelsea]

That's not recent.

[Caleb]

Yes, it is. It's not. Because I only had a $300 month ago. One month ago. This was last month.

[Luke]

You had a credit card a month ago?

[Chelsea]

No, no, it was a. It was only.

[Caleb]

Yes, it's 300 an hour. But since you put a little extra towards it, you were able to spend more.

[Chelsea]

I didn't put.

[Caleb]

Yes, you put 460 towards it. Maybe it is. I asked you who it is. You said it's yours.

[Luke]

Listen, dog.

[Caleb]

Hey, retard. It is a $300 limit.

[Luke]

I ain't using credit card.

[Caleb]

It is, but since you put it is yours, I'm being confirmed that it is yours.

[Chelsea]

Okay, how are you being confirmed?

[Luke]

Yeah, that's yours.

[Caleb]

Lindsay's telling me how.

[Chelsea]

Cause she's over.

[Caleb]

I have an iPad.

[Chelsea]

Okay.

[Caleb]

Technology. It's not all conspiracy.

[Luke]

I haven't used a credit card in a long time.

[Chelsea]

Well, you see.

[Caleb]

And what is it for Chick Fil A? Chick fil a McDonald's?

[Luke]

Yes.

[Caleb]

Dude, if you're conspiracy brained and you won't have red dye, you'll put McDonald's in your body. I've totally make that make sense.

[Chelsea]

I've gotten a lot better because I need cheaper food.

[Caleb]

So McDonald's isn't cheaper food.

[Chelsea]

It is, though, actually.

[Luke]

What, compared to food?

[Caleb]

Compared to, like, all the fast food these days?

[Chelsea]

It's cheap, dude.

[Caleb]

Taco Bell's cheap. That's pretty much it.

[Chelsea]

Not, though.

[Caleb]

You don't know.

[Luke]

We spent $40 last night for two people.

[Chelsea]

Yeah, we spent $40.

[Luke]

That's what that shit costs. Expensive as hell to eat out.

[Caleb]

Past due. You guys are a nuisance.

[Chelsea]

I know. Well, and I get it from my mom.

[Caleb]

Shut the up. Be your own adult.

[Chelsea]

I don't like to cook.

[Caleb]

Beeza. Whose is this?

[Luke]

I don't know if that's mine or not. I don't know. How much is it?

[Caleb]

The limit's 300, but the balance is 537.

[Luke]

That's probably mine.

[Caleb]

7 cents. What the are we talking about?

[Luke]

I don't know if it's mine or not. I can't tell you.

[Caleb]

Sick. How do we not even know whose is whose?

[Luke]

Guys, I wasn't aware of how many credit cards she had till yesterday. Our past due. I didn't know this at all.

[Caleb]

How have you guys not had one conversation?

[Luke]

Because supposedly she doesn't have any money. Has no credit cards and no money. Tells me all the time.

[Caleb]

She says, why'd you lie?

[Chelsea]

I didn't lie.

[Caleb]

That's against your faith.

[Chelsea]

First off, I did not lie.

[Luke]

You ain't told me about no credit cards that you've had.

[Chelsea]

Secondly, no, I've told you.

[Luke]

Or you'll get them in. You'll hide them from me, not tell me about it so I don't ask to use it. That's exactly what the cabins.

[Chelsea]

No.

[Luke]

Yes.

[Caleb]

Minimum is 278.07. That's not your normal minimum, but that's what it's due because you're over the limit.

[Chelsea]

I know.

[Caleb]

It's probably like $30 normally.

[Chelsea]

Well. And they shut it off.

[Caleb]

Well, they should.

[Luke]

Thank goodness none of mine are shut off, so that thing's canceled.

[Caleb]

I'm not seeing it as close. If you. You don't even know what card this is. You couldn't even decide whose it is.

[Chelsea]

Well, that's his.

[Luke]

How do you know?

[Caleb]

You just said.

[Chelsea]

No, he just said it was his.

[Luke]

I don't know if I have a Visa. I'm pretty sure I don't. I'm almost positive I don't. Okay.

[Caleb]

It's yours. I'm being told it is.

[Luke]

Okay, cool. All right. I mean, I heard the 500 mark,

[Caleb]

monthly service fee, late payment fee, interest being charged, and your account is currently closed.

[Luke]

That one.

[Caleb]

Okay, that's what happens when we just don't touch it? We don't pay attention. Guys, this is a Indigo.

[Luke]

That's mine.

[Caleb]

Oh, thank. We know, we know.

[Luke]

Yeah.

[Caleb]

Okay, well, you owe on a 500 credit limit. $965.20. Why do military people just suck at credit cards?

[Luke]

I don't know, man.

[Caleb]

Especially when you're getting, like, unlimited money for the rest of your life.

[Chelsea]

Why.

[Caleb]

Why make it even worse?

[Chelsea]

He likes to live a bougie life.

[Luke]

No, listen. Well, that is a fact. Kind of. Sort of, Kind of, right? But I will say this. There was a point in time I applied for a bunch of credit cards all around the same time, right? And I was out of a job. So we use a lot of this stuff just to kind of buy what we needed and also what we wanted around that time. I don't think that was around. Christ. I think that was a different time.

[Caleb]

This is the balance as of last month, guys.

[Luke]

That's what I'm saying. I haven't used that card.

[Caleb]

You can't. You're double the limit.

[Luke]

I haven't paid anything on it, and probably a hot minute.

[Caleb]

So, yeah, it's a $88 minimum. I mean, you still. Before I go to collections, you may as well do this.

[Chelsea]

But doesn't it fall off when it goes to collections?

[Caleb]

I mean, you're blaming Delinsay having a job making $200,000 a year is why you have bad money? Like, what the.

[Luke]

The what you said. What?

[Caleb]

Huh? You were blaming having a job making $200,000 on why you're bad with money.

[Luke]

I'm being told, well, okay, in a sense, yes, because I did have those cards. That's when I was working at Lifetime. And, like, when I was. So I was using the money, I was using the cards, right? And I. When I switched jobs from Lifetime.

[Caleb]

Why would you do that? Go make more money?

[Luke]

Because, well, I haven't. I. I don't really want to go back there, I don't think. I think the clientele has kind of died down, right? But anyway, I moved on. Different job. They had a guaranteed salary of like 80 grand, right? the time, I was making more than that, but I was. Okay, that sounds like a guaranteed money. I was. I'm doing the same thing anyway, except for my manager, blah, blah, blah. Then that job literally went out of business, bro. Like a month after I joined them, they just. They just shut down shop, left, whatever. So I was out of the job again.

[Caleb]

Go back to Lifetime.

[Luke]

They wouldn't. They would. So when you when you leave lifetime. No, when you leave lifetime, you can't go back for 60 days. You got a job or even attend the gym for like two months. So that's why I didn't go back. That's like their little policy or whatever.

[Chelsea]

But.

[Luke]

But.

[Caleb]

Okay, well, you're getting fees, fees, fees. Late, late, late. Just be an adult and pay it, dude. Like, I don't know what to tell you. Just being a adult.

[Chelsea]

That's why we're here.

[Caleb]

Oh, that's why you're here. You could pay the card. You guys make good money.

[Luke]

Yeah, I just choose not to. Low key.

[Caleb]

Exactly. And in high key we need to milestone what's going on. Whose is this?

[Luke]

That's mine. I got a couple that are pretty high.

[Caleb]

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[Luke]

Yeah, but these are still all in decent standing. They can't. They're not being charged.

[Caleb]

Yeah, it's double the limit again. Over double the limit.

[Luke]

Pam. They're not. Not.

[Caleb]

647.6385 minimum payment again. It's over with fees. And it's so stupid because these are balances that you could pay off like this with your income, but you just spend all your money on.

[Luke]

Yeah.

[Caleb]

So it doesn't matter. Credit. Capital One, Capital One Platinum.

[Luke]

That could be more me or her, but I think that's mine though.

[Caleb]

Well, it's app maxed out and money is being spent. Do you spend on a credit card? Because if you do, 501.66 was spent on this.

[Luke]

I don't spend money, so it has to be.

[Chelsea]

I haven't spent money on a credit card.

[Caleb]

Oh my death. Come on. I just. Just hit on that first card we looked at.

[Chelsea]

Well, unless it's something that's a recurring payment that's trying to come out, then I haven't.

[Caleb]

Like all the Chick fil A and McDonald's that I saw being spent on that first credit card was not you.

[Chelsea]

Not recently, no.

[Caleb]

What? That was last month. April.

[Luke]

Well, you be telling me you ain't got no damn money or anything.

[Chelsea]

Spent anything in April even agree who's

[Caleb]

going to Chick fil A and McDonald's?

[Luke]

She doesn't tell me.

[Chelsea]

Well, no, because I don't.

[Caleb]

You order chick fil a McDonald's?

[Luke]

Every once in a while, yes. I don't go to McDonald's that. I'm going to McDonald's.

[Caleb]

Oh, it is you then. So you do spend on a credit card and that was last month. You can't tell me you're not.

[Chelsea]

He's literally seen them. Like I don't even have them in my wallet. Remember?

[Caleb]

Like brother, it was the first statement. You can see it yourself.

[Chelsea]

You actually see it though, because I don't.

[Caleb]

There you go. I don't know what to tell you.

[Chelsea]

See, it says returned. Because like nothing.

[Caleb]

No, your payment was returned, you fucking pathetic worm.

[Luke]

Not. Not this right here.

[Chelsea]

My payment was returned?

[Caleb]

Yes. Because you didn't have enough money in. Your checking account was made April 2nd.

[Chelsea]

Oh, shit. That was returned. That's not good.

[Caleb]

That's why you had a late fee.

[Chelsea]

That's not good because that was to something that. I'm gonna have to call her. When was that?

[Caleb]

What do you mean good luck? Who's her dude, what do you mean?

[Luke]

Was it something. See, this is, I don't know, about

[Caleb]

$298.35 with a 25 minimum fee payment on this card.

[Luke]

I gave the money.

[Caleb]

What? Hey, we don't spend on our credit card. Well, you door, Dash and Panda Express.

[Luke]

That was me.

[Caleb]

Okay, so you spent on this. And yes, you have the reoccurring Netflix, but you also door dashed. Oh, n. I don't know. Dash, Bash and Apple bill. $30.79. Who knows? And then Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Apple Bell.

[Luke]

Apple Bell. That's harass.

[Caleb]

So you have it linked and you auto do it. Show me your Amazon.

[Luke]

That's yours.

[Caleb]

Open that phone.

[Chelsea]

So Amazon could.

[Caleb]

So Amazon. Yeah, it's you spending. I don't give a shit. You were doing it. Shut the up. School stuff in the middle of Gary Stripper Bro Fall. The spring semester plan.

[Luke]

Yeah, we spent a lot.

[Caleb]

Are you planning for fall, homeschool?

[Luke]

Shit.

[Caleb]

And that. That is an intense Apple bill of $30.

[Luke]

Because there's probably multiple accounts that she has, and she doesn't track anymore, so they charge the damn thing.

[Chelsea]

So you can. Yeah.

[Luke]

Which means you've restarted accounts over and over and over.

[Caleb]

Trust me, I'm gonna be looking through both y' all's phones here in a bit.

[Luke]

Ava, that's hers.

[Chelsea]

That's fine. So, like, my daughter needed shoes. I got her shoes.

[Caleb]

I don't spend on credit cards. Amazon, Amazon, Amazon, Amazon, Amazon, Amazon.

[Chelsea]

But look, it's all kids stuff.

[Caleb]

Give. You're still spending it as money going out. Yeah, that doesn't. Just because it's kids. Hey, just because things are kids doesn't mean it's all of a sudden good.

[Chelsea]

Why are we screaming?

[Luke]

Even for adults, anything for the kid is an absolute.

[Caleb]

For the audience.

[Chelsea]

Ow. Dog quit.

[Caleb]

Okay, first of all, this isn't for kids.

[Chelsea]

Detox Z. Yeah, well, those shouldn't. Those are. I usually cancel those.

[Caleb]

Okay, no, they're arriving. They're not.

[Chelsea]

Yeah, I know. I need to cancel that. Cause I didn't know. Well, I got that for the show,

[Caleb]

and you're not even wearing it.

[Chelsea]

I know, because I didn't.

[Luke]

How do you bother, Joyce?

[Chelsea]

For the show?

[Caleb]

Sight Words. A calendar.

[Chelsea]

When I got paid.

[Luke]

Yeah.

[Caleb]

Focus Test prep. Okay, that one's actually fair. A notebook. Yeah. Swimsuit. You got Leosi, Sexy Ty, Chris, Cross plunge, and then another bathing suit for yourself. So, no, this is all not necessities.

[Chelsea]

It is this.

[Caleb]

This inflatable thing is not. So he bought some suit, like, all the isn't like, do you need all this? No, it's a nice. Yes.

[Chelsea]

See, it's school stuff.

[Caleb]

Not all of it, though. You pathetic.

[Chelsea]

Yes, I've got four kids.

[Caleb]

No, it's not all this.

[Luke]

Only two of them. Really.

[Caleb]

Childproof lover. That's fine. 21 things in your cart.

[Chelsea]

Oh, well, that's just like, stuff I

[Luke]

don't want to forget about. Stuff she might want.

[Caleb]

Yeah. Like around you.

[Chelsea]

Those are rings.

[Caleb]

Huh?

[Chelsea]

Rings. And my daughter's birthday's coming up, so, like, she wants that stuff.

[Luke]

We need rings because I wanted to add a stack.

[Caleb]

A complete Ethiopian bible for kids. Oh. I mean, yeah. You spend so much money.

[Chelsea]

I know, but he.

[Luke]

But, but, but what?

[Chelsea]

Why? Why?

[Caleb]

What are you doing at home?

[Luke]

How much is added up? Amazon.

[Caleb]

You're schooling your kids all day?

[Chelsea]

Yeah.

[Caleb]

Okay.

[Chelsea]

And then I go to work.

[Caleb]

Do you have to do any of the house chores?

[Chelsea]

No.

[Caleb]

That's good.

[Luke]

When I'm home. Yes, I do.

[Chelsea]

No, he does not.

[Caleb]

Oh, well, what does she make you do?

[Chelsea]

No, he does not.

[Caleb]

What does she make you do?

[Luke]

I pick up. Let me rephrase. So I'm getting trouble. I pick up our mess. I do the dishes. You don't touch the mother trash. I take the damn trash out to the mainstream everywhere else. Right, right. But I touch the issues though, right? That's a woman's job, Right? Supposedly.

[Chelsea]

Sometimes you do.

[Luke]

Sometimes.

[Caleb]

Whenever you guys decide when the stacks

[Luke]

up for a week straight. Yeah. Then I.

[Chelsea]

It doesn't stack up for a week.

[Luke]

I help you. Don't. Don't play sometimes. Don't play.

[Caleb]

Then why are you on your phone for eight hours a day on average?

[Chelsea]

Has this.

[Luke]

Their school actually is on phone.

[Caleb]

Okay, well, good news. It will in fact, tell me exactly what you're doing.

[Luke]

Yeah. Go look at Facebook real quick. Actually know. Go to Tik Tok. Look on that it.

[Caleb]

Yeah. So last week it was 17 hours on HBO.

[Chelsea]

Oh, well, I do watch TV.

[Luke]

The same show.

[Caleb]

I watch the same hours.

[Chelsea]

Yeah. I go to bed and I fall asleep.

[Caleb]

Facebook 12 hours. Texting on. Who are you texting on message for 10 hours a week.

[Chelsea]

Yeah. And my mom.

[Caleb]

Okay, we'll go through those in the post. Show Apple maps for eight hours. Okay, but that's probably the thing. But Instagram for six hours. GPT three hours. YouTube five hours. I didn't see any school things.

[Chelsea]

Well, like YouTube.

[Caleb]

So why is he doing chores if you're working on. If you just are on hbo?

[Chelsea]

I, I. Well, he's not home kind of right now.

[Luke]

I'M home a week on a week off right now.

[Chelsea]

And before it was only on the weekend.

[Luke]

Yes, I am. I am away quite a bit right now.

[Caleb]

But we will be going through things later deeper in the post show.

[Luke]

Man, I tell you what though. You don't piss me off though. You don't tell me I'm wasting money and shit.

[Caleb]

Oh and then there's more McDonald's HTO and Amazon.

[Luke]

You eat out too much. But here we are with McDonald's and

[Caleb]

all kinds of uh huh. And fees and interesting but.

[Luke]

But I'm the asshole though.

[Caleb]

What am I looking at with this credit?

[Luke]

Karma.

[Caleb]

This is insane. This is ownership.

[Chelsea]

That's his.

[Luke]

Let me see that real quick.

[Caleb]

Okay, so you have one main but that was closed because you probably didn't do anything, right?

[Luke]

Yeah, actually I pulled it out. I never paid my dime so.

[Chelsea]

Huh.

[Luke]

Pulled it out and I never paid him a dime. So.

[Caleb]

Okay. Does that not feel morally wrong for you? Especially as a Christian?

[Luke]

At the time it was needed. It was like a.

[Caleb]

They can still pay for it.

[Chelsea]

I agree with that.

[Luke]

But I choose to do things. See I have a bit of an impulse control problem. I would say honestly that's my biggest

[Caleb]

develop coping mechanisms that done well I

[Luke]

mean if you want to dig in now this. I'm not saying it's an excuse by any means. Right. But for a while I've got what's called. What do I have. I've had bpd. Right. And so for a long time I didn't realize this. Now I'm taking medication for it. It's helped a lot.

[Caleb]

That's good. So happy to hear that.

[Luke]

Yeah.

[Caleb]

Nebraska furnace I think and per pay 967 I bought a trampoline with that one. And then you never paid for it. That's great. And then furnace never did.

[Luke]

Bro.

[Caleb]

I never paid 2,346 I don't need credit right now.

[Luke]

I don't give a too.

[Caleb]

Yeah but it is still. You received the product and didn't pay for it.

[Luke]

That could be more or lessically wrong. But guess what. Guess how much the. Okay, here's my view on that too bro. I've been business owner before. Every company makes so much Damn.

[Caleb]

You've been what?

[Luke]

A business owner before. Sorry, I know it's not like a damn but goofy. What do you want to call me? Whatever. Right. But I've owned a business before. I know what profit margins are. I do even right now. Bro, they're most people's profit margins are astronomical.

[Caleb]

No, it depends on grocery stores, 1%, but so it depends what you're doing.

[Luke]

I mean, ours are roofies over there.

[Caleb]

Grocery stores close all the time.

[Luke]

What do you mean? Like even Walmart's clothes. No, no, no. I'm saying like the amount of people that come in there, they can take that little bit of a hit because they're producing so much. That has nothing to do with.

[Caleb]

So steel. You're okay with it?

[Chelsea]

No.

[Caleb]

The Christian man.

[Luke]

I'm not going to say what I did was right by any means. No, I'm not going to say that.

[Caleb]

Okay. Why don't you pay for it today?

[Luke]

Got the money today, that's for damn sure.

[Caleb]

But yes, you do.

[Luke]

I don't.

[Caleb]

Yeah, you guys bring in 11,300, 6,000.

[Luke]

Bring in more than that, huh?

[Chelsea]

How do we bring in that?

[Luke]

Usually you bring a thousand dollars a month. My sales can differ. Plus he paid child support last month, so that should be coming in.

[Caleb]

Okay.

[Luke]

If not, he's going a thousand for

[Caleb]

her and then hopefully.

[Luke]

Should be coming in. That money should be.

[Caleb]

It should be. And I hope you guys deal with it, but yeah, sorry, it was in Nebraska. Nebraska Furniture Mart. And then you didn't pay for it. First affirm2346. But it needs attention.

[Luke]

I can't remember what I use that for, to be honest with you.

[Caleb]

Yeah, it's been charged off. It's already in collections.

[Luke]

No, no idea. Well, how come like it says charged off when I go to collections. Like those aren't in the collections.

[Caleb]

Oh, maybe this one hasn't been yet, but. Oh, an additional affirm also charged off 201. Yeah, that was for same with credit one. Like 1,478.

[Luke]

Wait, but a lot of these.

[Caleb]

Never lend to this man ever again. Hey, when you're ready to get back into the. Since you spend all your time on the phone and you want to actually provide a society and get a job, I'll get you a course career certification so you can get back out there. Oh, Discover card. This one's actually. Nope, this is charged off.

[Luke]

She's about to go to school soon anyway.

[Chelsea]

I am for to be paralegal.

[Caleb]

Who's going to take you seriously?

[Chelsea]

A lot of people take me seriously.

[Caleb]

Incorrect. First. First credit 7 or 2100 and just keep going through it. You're just accumulating tens of thousands of dollars of. They're not in collections yet. They're just.

[Luke]

Whose is that?

[Caleb]

Is that yours?

[Chelsea]

I don't know.

[Caleb]

All student loans. Who has all the student loans?

[Chelsea]

That would Be me.

[Caleb]

Okay, well then, yeah, that was your car.

[Luke]

Mine are all paid off, so.

[Chelsea]

Well, see, there was a miscommunication. I thought my grandma was gonna be paying for my student like my schooling. This episode is brought to you by State Farm. Listening to this podcast instead of doom scrolling smart move. Another smart move getting help from one 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.

[Caleb]

State. She is so. What the do you want?

[Chelsea]

Yeah, so. And then they got put on hold.

[Luke]

Deferred.

[Chelsea]

Yeah.

[Caleb]

Okay, so student. Well, you also owe your grandma money. I see. Is coming up soon, so we'll figure that out.

[Luke]

She'll get it when she gets it.

[Chelsea]

Okay, that's not true.

[Caleb]

Well, kind of. 9854 for student loans. Are you making minimums?

[Chelsea]

No, cuz they had stopped the payment. They just started up again.

[Caleb]

Good. How much? I don't know, brother. Why?

[Chelsea]

Because I didn't. I haven't called yet.

[Caleb]

I'm gonna assume it's like a hundred.

[Chelsea]

Okay.

[Caleb]

What the is wrong with you? Pay your shit. Yeah, what is wrong with you people? Aren't you supposed to be the morally responsible ones?

[Chelsea]

Well, see, that's the thing is we. We are sinners by nature and we're trying, which is why we're here.

[Caleb]

You're what?

[Chelsea]

We're sinners by nature.

[Caleb]

Well, do better then.

[Chelsea]

I'm trying. That's why I'm here.

[Caleb]

You're fucking taking loads left and right. Ain't not paying. You're crazy.

[Luke]

I mean, if you look at the

[Caleb]

dates getting divorced, you're not.

[Chelsea]

Wait, did he say loans or loads?

[Caleb]

Loads.

[Luke]

Loans.

[Caleb]

Loads.

[Chelsea]

I said loads.

[Caleb]

I did say loads.

[Chelsea]

Oh, loads.

[Luke]

He said loads of loans or something.

[Caleb]

No, loads. She's getting breeded by like 50 different men constantly.

[Chelsea]

No, I haven't done that in a long time.

[Caleb]

Yeah, a couple years.

[Chelsea]

Lots and lots and lots and lots of years.

[Caleb]

I'm just adding up your collections at this point. Guys, this is insane.

[Luke]

That's paid off.

[Caleb]

Okay, well, minus that, 1800, right? No.

[Luke]

Which one is that?

[Caleb]

415. You don't even know what I'm looking at.

[Luke]

450. Well, the other one says close. My bad. That's the only thing on my account that shows collections right there. That's it. And everything else is either it's closed,

[Caleb]

which means you gotta start making. I don't know what.

[Luke]

Your minimums are gonna be close for a long time. They, they, they said nothing to me.

[Caleb]

Oh potentially negative. Dude. Your minimum.

[Chelsea]

I don't even.

[Caleb]

We have an additional. There's more. It's like 3269 7. But like I don't even know what your minimum normally is. Monthly. It's like an additional $2,000 so far. Like this is crazy. But you didn't send this proper.

[Luke]

Let me ask you something real quick. On a lot of these collections of sheets supposedly quote unquote collections.

[Caleb]

These are. Never mind. These aren't collections. A lot of them have the minimums. They've stacked up to about 2,2000.

[Luke]

But they're charged off, right? A lot of them.

[Caleb]

No, not all of them. They're like closed. But there's. The minimums are still active because they're not sold the collections yet.

[Luke]

What have they been on? They've been on that.

[Caleb]

That and it's hard for me to get true insight because I'm just seeing it through the credit report so it's not even showing me there's an additional 15,241.

[Luke]

I guess what I'm saying though is like a lot of things. A lot of things that you're looking at. Are they not going to eventually fall off anyway?

[Caleb]

Way no. Cuz they haven't gone to collections yet. So there's an additional seven years once they do.

[Luke]

Interesting.

[Chelsea]

Whenever they go to collections.

[Caleb]

This cash app we have some money coming in that's really. Not that I prefer chime but you do you. It's not jam and toast for forever. Subway Eins. Einstein. Einstein's cash app stuff. Donut Express. Chipotle. Apple Bill. Apple Bill? Chipotle Chick Fil. A vending machine bagel service works. Chipotle. It's all Dan's Bagels. Going in and getting some. Yeah, a couple samples. That's good. Instead of going in against the make your energy drinks at home. It's very goony stuff but it actually tastes better than the energy drinks you do. I promise you that. And it's 40 cents a serving with the 10 discount code. We got Caleb Gamersups GG link in the description below. Get your free samples, figure out what flavor you like and then make your

[Chelsea]

energy drink know it doesn't have like the tingles. Does it give you the tingles?

[Luke]

It's a proprietary blend so you need the ting.

[Caleb]

What do you mean tingles? What are you.

[Luke]

She's talking about a pre workout is what she's talking about.

[Caleb]

That's just an energy drink.

[Luke]

Yep. Yeah.

[Caleb]

So you stop thinking. Does it have D. Overdraft, protection. Overdraft. Overdraft. Payment, payment, payment. Overdraft. Energy drink. Overdraft. Overdraft. Yeah.

[Luke]

No.

[Caleb]

You guys are Pizza Hut Tom Thumb, vending machine Roku energy drink dude. You just got to do gamer subs. Tastes better and it's so much cheaper. It's like making your coffee at home.

[Luke]

That's you getting damn energy drinks, though.

[Chelsea]

No, it's.

[Luke]

You Ain't no way. I don't drink energy drinks, bro.

[Caleb]

They are so done. I don't know how you guys have survived. Over Jeff. Over Jeff. Overdraft. This is crazy Kohl's Roy Hut Apple Bell Apple. Is it a good flavor? I don't know what flavor it is.

[Luke]

No, it smells good. It just kind of hit me real hard there for a minute. I was like, damn.

[Caleb]

Yeah, I want to try it. It says on the package, do not not stiff. I'll sniff because, like, you're probably going to have another heart attack. Vapor company dbats. I hope you don't, but I'm going to try to. I'm going to send you guys to Reed who helps us do finances here because listen, he's going to just need access to your accounts because with the way you did it, I can't. I'm going to do a budget for you, obviously, but I couldn't perfectly calculate because it was all in the credit report. I need your statements and your is such a mess. It's impossible to see fee.

[Luke]

Well, that's the only statements I have is through cash app right now.

[Caleb]

Well, no, there's statements for the Close the account. I don't know what the minimum payments are. I calculated them to.

[Chelsea]

I don't know how to get into this.

[Luke]

A lot of mine are 40 bucks. Almost all of them. About 40. About 40.

[Caleb]

And a lot of them are just behind. That's why it's showing even higher. So, okay, let's see. Let's pretend.

[Chelsea]

Don't pretend.

[Caleb]

Because, like, I have to though.

[Luke]

He doesn't have these.

[Chelsea]

But use your.

[Caleb]

I'm upping them.

[Luke]

I could tell you what they are if that's allowed.

[Caleb]

Well, yeah, it's allowed. What do you mean you have them? What?

[Chelsea]

Why haven't you cleaned your fish tank?

[Caleb]

Shut the up.

[Chelsea]

But it needs to be cleaned and they're gonna die.

[Luke]

Let's see something.

[Caleb]

She's been alive.

[Luke]

I say that.

[Chelsea]

That's not what I heard.

[Caleb]

That's not what you heard she's been here forever. Are people secretly replacing her that I don't know about?

[Chelsea]

Probably to make you feel better so you don't cry.

[Caleb]

I wouldn't cry.

[Chelsea]

I bet you would.

[Caleb]

It's a fish.

[Chelsea]

Why can't you have mint? Why don't you like mint?

[Caleb]

Why do I not like mint? Because I don't like the flavor. Why don't you like the flavor? Why don't you like the flavor of something you don't like? Well, exactly. Shut the up.

[Luke]

Damn.

[Caleb]

Your mortgage is $3,790.08. I have your minimums for some things. I have 626 so far, but I

[Luke]

don't know right now. Currently for this is accounting for all

[Caleb]

closed accounts that you don't even know about.

[Luke]

I don't know. I don't know about that. I have no access.

[Caleb]

Exactly. That's the point. That's what I'm missing. So let me.

[Chelsea]

How do we.

[Caleb]

So I have to guess that's why you're gonna sit down with him and he's gonna go through your own account. Read.

[Luke]

You'll know, bro. You'll know. Sure.

[Caleb]

He's our extra guy. I'm gonna pay for a session. I'm guessing an extra 480 +626. This is on just the conservative side. But like I'm guessing your extra minimum fee payments are. Or thousand one hundred. It might be lower. I don't know. Okay. What's your utilities? Gas, electric, Internet, all combined.

[Chelsea]

So that's a him.

[Luke]

This will be. This is probably more or less average right now. But if you look at electric, it's around 160. Gas is usually around 79, 80. If you look at water, let's say like 175. Gas, electric, water, Internet is around 45.

[Caleb]

Okay, so 460 gas. Vroom, vroom. Drive, drive. Both of you combined on a monthly basis.

[Luke]

Let's say average. I'd say on average, let's say about 550, give or take.

[Caleb]

Phone bill?

[Luke]

Phone bill. Mine's 175 minus 660.

[Caleb]

Sounds like you got something good like helium that most people should use.

[Chelsea]

I'm just on my mom's plan.

[Caleb]

Oh, great.

[Chelsea]

Okay.

[Luke]

Car insurance, that's around 350 for both of us.

[Caleb]

Necessary food, I'm guessing you can do about a thousand.

[Chelsea]

Nah.

[Luke]

Yeah, there you go.

[Caleb]

Just a meal plan. Meal plan. And your meal prepping.

[Chelsea]

5K.

[Luke]

Yeah, you're meal prepping all these dumbass snacks and shit?

[Caleb]

Yeah, snacks. You're meal prepping. That's the thing. You're eating a lot of the same meals over and over again.

[Chelsea]

No, I know. I like that ingredients.

[Caleb]

Okay. Your household has one more kid than mine. Yes, but you know what my family did on a tight budget? Just white people tacos and spaghetti on repeat.

[Chelsea]

Will we do that?

[Caleb]

Well, there you go, you're fine. And chili. $300 thousand dollars is fine.

[Chelsea]

Fine. But I need.

[Luke]

She thinks the kids need snacks every two hours.

[Chelsea]

The kids? You can get a few things but

[Caleb]

you don't need to get all this name brand. You can do a thousand, it's fine. If you find anything else need to survive for you and the kids. I'm giving 500 cuz the at home school we used to about 250 for

[Luke]

groceries every week is what I give her.

[Caleb]

Well, there you go. But you also eat out like crazy. Medical health care, their co pays.

[Chelsea]

Yeah. How much basis I would say.

[Caleb]

Do you trust the doctors?

[Luke]

We don't go that often.

[Chelsea]

Well, it's just kind of hard to

[Luke]

say on a monthly basis.

[Chelsea]

A doctor that is more. More naturalistic but. Naturalistic's not a word but how much? I would say like 30.

[Caleb]

Didn't you have like a failed home birth or something?

[Chelsea]

It was not failed.

[Luke]

Definitely was not failed.

[Caleb]

You have a new pets?

[Chelsea]

We have three cats, two dogs. Yeah, them, but it wasn't failed first off.

[Caleb]

Fuck. Which ones?

[Luke]

Them cats. Dog. Get rid of them bastards in a heartbeat.

[Caleb]

Why? What's wrong with them?

[Luke]

I hate them.

[Chelsea]

He doesn't like cats, but they're sweeties.

[Caleb]

Okay, well good news. $250 for pet insurance. Cause you have so many anim.

[Luke]

Yeah, we ain't paying that.

[Chelsea]

We don't have pet insurance if they die. Oh, why?

[Caleb]

Cuz if something happens, you can't afford to take care of them.

[Luke]

They can go.

[Chelsea]

Well they're inside animals so like.

[Caleb]

Exactly. And if something. I'm not even explaining that 250 something happens, bro.

[Luke]

Guess what? They gone.

[Chelsea]

I know. So why do we need the insurance?

[Luke]

That's how I see it.

[Caleb]

So you don't care if they die, the cats?

[Chelsea]

No, I do. I'd be really sad.

[Caleb]

There you go. So are you going to save their life if something are to happen? Cause that's what pet insurance covers.

[Luke]

We can't afford it. No, we ain't.

[Caleb]

But pet insurance would make so you can.

[Chelsea]

Oh, my sister had that. But if they die, you still have to pay for it. Cause it's like a thing. Like a.

[Caleb]

Yes. Oh my gosh, I hate you.

[Luke]

But he's saying he gets him to the dog.

[Caleb]

How much for pet food a month?

[Chelsea]

Like 50 bucks.

[Luke]

And cat litter. Throw that in there.

[Caleb]

Yeah. How much? 70 now total.

[Chelsea]

So for the cat and dog expenses, I would say maybe a hundred dollars every six to eight weeks. Weeks.

[Caleb]

Okay, so 50 bucks. Okay, whatever.

[Chelsea]

It's not. No, because the litter is not that expensive. And subscriptions.

[Caleb]

I'll try to give you 100 bucks.

[Chelsea]

I don't know.

[Luke]

Okay, let's see.

[Caleb]

I. Guys, this is such a mess. This like. I don't even know if this. This is like the. It's the worst budget I've made. No, you don't even understand.

[Chelsea]

You just say that to everybody.

[Caleb]

You guys smoke? No, it's the worst in terms of. It's so scattered. I don't know how true it is or not.

[Luke]

Is this. But it is. Is this real accurate, though? We have bad debt. 87,000.

[Caleb]

Yes. Plus student loans and plus a lot of. Like that shame.

[Chelsea]

But it's fixable.

[Caleb]

Probably have wiggle room. You pro.

[Chelsea]

It's fixable.

[Caleb]

Yeah, sure. I just don't know if this is accurate, but 9, 8500 to survive is what you need to make your payments and everything on time. It might be 9,000, might be 9,500. But either way, if you're bringing in that 13,000amonth that you said you are, then it's like, yeah, I need that. Then with all your federal. First federal credit. Okay, so 597. Your total debt situation is $597,266.27, minus 498. 0.14.93 for the mortgage and minus the student loans of 9,854. So debt to pay off. 90,000 hours, basically, with your addition, I'll give you funds spending a 500. But again, that's if the payment. That's if the payments are higher. If they are, get rid of it. So that gives you an extra $4,000 a month to port towards that maybe, which pays it off at under two years. So you can have fun and probably pay off all your debt in under two years. A month?

[Chelsea]

Well, I'm. You didn't say a month.

[Caleb]

It's all a monthly budget.

[Chelsea]

Well.

[Caleb]

Well, you pay under two years and then six months to get a fully funded emergency fund. That's if the debt situ. You're going to sit down with Reed and he's going to go further in debt. Listen, guys, this is too impossible. It's too impossible. I didn't have your statements. No, it's impossible for me to give an accurate number.

[Luke]

I couldn't get access to all the stuff that's on charge.

[Caleb]

Exactly. That's what he will help with because he has more time. Guys, let's get to Amber Financial Score and then go into the post show. There's more things. There's more things. She's hiding shit from him that we haven't even gone through. We're going to go into the post show. There's more. And time. There's. They're planning a big vacation. I'm going to go through their phone, figure out where that all the Apple shit came from. See what they're hiding from each other. See how she communicates in their texts. It's always chaos. The post show is incredible. Let's get the hammer. Financial score, though spending in a budget, you technically didn't overspend. Actually surprising. But you certainly put money towards bullshit instead of paying off debt. So it's not good. I'll give you a 2 out of 10. Best I can do. We're lower than the 2 out of 10 in your spending in the budget category. I'm going through every category.

[Chelsea]

Okay.

[Caleb]

Your debt, there's collections. So 0 out of 10 for that emergency fund. There is no savings. 0 10. Retirement. Is there retirement anywhere?

[Luke]

Well, my money's guaranteed for life.

[Caleb]

Yeah, I mean.

[Luke]

And I have.

[Chelsea]

I mean, I think we deserve a point.

[Caleb]

Yeah, I can give it.

[Luke]

I mean, I mean technically do like. I mean I know this is kind of iffy. Like if Social Security stays in pack for that long gray. If it doesn't, we might lose it. But the VA money is for life.

[Caleb]

Well, Social Security 2032. It gets cut by mandatory 25%.

[Luke]

Mandatory. Maybe.

[Caleb]

No, it does. Unless we readjust something.

[Luke]

I said maybe. It's a maybe. They said that years ago too.

[Caleb]

Well, yeah. And then they re. They lifted the retirement age.

[Luke]

Oh, okay. Serious. But mine's. Mine's just.

[Caleb]

They have to do something. Yeah, it affects everything. Including some Medicare funds. Medicaid funds too.

[Luke]

I don't give a about Medicaid. But.

[Caleb]

No but okay. 2 out of 10. I'll give that real estate. You own a house. The four year mortgage is crazy. The interest rate isn't great. What's the house worth? Do we know?

[Luke]

Think we owe 498. It's worth like 485 right now.

[Chelsea]

No, it's not.

[Luke]

Yes it is. It's not worth what we freaking.

[Caleb]

Hey house. At least you're in the market. But I'll give you a three out of ten.

[Luke]

We owe 4i this yesterday.

[Caleb]

You owe 500,000.

[Luke]

No, we don't.

[Caleb]

It's 498, buddy. Your most recent statement. And that's all that matters to me. So I don't give a.

[Chelsea]

Okay, okay.

[Caleb]

That's your most recent statement. Hammer financial score, 1.5 out of 10. Guys, there's so much more.

[Chelsea]

Are you kidding me?

[Caleb]

Go yourself. There's so much more. There's so much more to happen in the post show. Join Hammer Lee for three premium shows every day, six days a week. Get your Hammer Financial store, caleb.hammer.com. you're gonna kill myself. This is crazy.

[Chelsea]

Okay.

[Caleb]

See you there.

[Chelsea]

You told Jen that you feel like you have to secretly hide and save money from Luke.

[Luke]

I gotta save money. But you spend the mother and then me for spending money. Makes no sense.

[Chelsea]

He won't pay my bills. Like. Like they're late. He paid for your attorney, and he still thinks that your kids are in public school. They don't. He doesn't think they're in public school. He thinks they're in a private.

[Caleb]

You are evil. I have an exclusive offer just for you. But there's only one day 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.

[Chelsea]

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[Caleb]

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[Chelsea]

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