They're So F*cked | Financial Audit

Summary

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Financial Audit with Caleb Hammer

Episode: They're So F*cked

Date: March 16, 2026

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Episode Overview

This episode features Emma and Brian, a couple from Sacramento, California, in their early 30s, seeking financial help from host Caleb Hammer. The episode delves deeply into their chaotic financial situation, dysfunctional relationship dynamics, coparenting challenges, and why their finances—and lives—are, in Caleb’s words, “so fucked.” The conversation is brutally honest, unsparing, and darkly humorous, as Caleb pushes the couple to confront their lack of accountability and spiraling debt.

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Key Discussion Points & Insights

1. Unconventional Living Situation & Relationship Dynamics

• Emma and Brian live with Emma’s ex-husband (to whom she’s still legally married), Emma’s parents, and their four young children on the same property.
• Emma and Brian have been together for 3–4 years; Brian resides in a trailer on the ex-husband's property to save money.
• Their finances are "intermingled" with Emma’s ex for the sake of child expenses, making everything even more entangled and confusing.
• Both acknowledge the arrangement is “weird as fuck,” but attribute it to an inability to afford living elsewhere.
• Quote [04:36]:
  • Emma: “We can't really afford to be on our own.”
  • Caleb: “That is certainly why you're here. But I'm asking what's going on with the ex-husband? That's weird as fuck.”

2. Chaotic Finances, No Accountability

• Both admit to almost never checking their accounts unless something bounces; Emma says she sends Brian screenshots when this happens.
• Brian freely spends on Amazon and eating out, regularly blowing large amounts on collectables rather than necessities.
• Emma: “I’ll be honest with you. I don't look at the account unless it bounces.” [08:37]
• Brian has maxed out multiple credit cards, and neither knows the actual state of their finances.
• Caleb points out their lack of financial discipline and challenges them on being responsible parents, noting that their combined behavior is “immature and pathetic.”

3. Stagnant Career Ambition & Income Issues

• Emma is a retail manager earning around $24/hour but refuses promotions to spend more time with the kids, despite repeated offers from her employer.
• Brian is a carpenter earning about the same but lacks any drive to increase his earnings or take on more responsibility.
• Caleb lambasts both for their lack of ambition and unwillingness to take opportunities that could improve their children’s lives.
• Quote [17:35]:
  • Caleb: “You’ll have no career trajectory if you don’t do anything.”
  • Emma: “I'm okay with that.”
• Despite living in a subsidized situation, their spending keeps them in constant financial distress.

4. Dysfunctional Relationship Communication

• Caleb identifies Brian as deeply passive (“beta”), always letting Emma make decisions and “steamroll” him.
• Emma admits to wanting Brian to “push back” more but is instead frustrated by his constant apathy.
• Emma: “I want the pushback. Yeah, but it’s not... it’s just oh, okay.” [30:25]
• The couple’s arguments are circular, with neither making lasting change.
• Both display deep-seated resentment; Emma admits to being resentful of Brian’s lack of confidence since he became sober.

5. Parenting & Spoiling the Kids

• They have four young children (5-year-old, 4-year-old, and 16-month-old twins).
• Emma insists on “giving the kids everything,” including an expensive Disney trip, despite having no financial foundation.
• The older son (4) is spoiled, gets his way more often than not, leading to disagreements between Emma and Brian.
• Their 5-year-old is autistic and receives therapy three times a week.
• Caleb warns that spoiling the children and not establishing boundaries will harm their development.

6. Massive Debt & Reckless Spending

• Their debt totals roughly $25,000 (all consumer debt, including credit cards, “pay in four” services, and a car loan).
• Both have resorted to raiding Emma’s 401(k) to pay off debts, only to immediately rack up new ones.
• Their monthly outflow is staggeringly disproportionate to their income, reaching upwards of $19,000 in a single month—mostly due to minimum payments, debt cycling, and frivolous spending.
• Frequent purchases are made for “collectibles,” tech gadgets, takeout, streaming services, and even trips (including Disney).
• Caleb and Colton review endless financial statements overflowing with “bullshit” transactions: fast food, in-app purchases, AirPods, and Amazon trinkets.

7. Physical & Mental Health Challenges

• Brian is two years sober from alcohol and drugs after a past DUI and a heart attack at age 25.
• Despite being prediabetic, he has not been taking care of his health or checking his blood sugar.
• Emma expresses anxiety and frustration with their situation; Brian’s lack of assertiveness is attributed partly to his post-sobriety confidence crash.

8. Caleb’s Unfiltered Reality Check

• Caleb ruthlessly calls out their irresponsibility and lack of parenting, saying they are “losers” (in career) and “pathetic” as parents who only provide shallow material things for their children.
• He states clearly that budgeting alone won’t help them; the real issue is behavioral and relational, not just numbers.
• Offers to pay for the first two sessions of couples therapy, insisting this is the only way to get to the root of their problems before any budget can be meaningful.

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Notable Quotes & Memorable Moments

Relationship & Dynamic (03:51)

• Caleb: “What the actual fuck? What is going on?...just living—new fiancé living with ex-husband...Weird. Two 31-year-olds living with ex-husband with their parents. Weird as fuck.”

Finances & Parenting (12:06)

• Caleb (to Brian): “Again, the kids, are they not more important? I'm so confused. You could give them a better life. You want them to grow up in a trailer park?”

On Career Ambition (17:35)

• Caleb: “You’ll have no career trajectory if you don’t do anything.”
• Emma: “I'm okay with that.”
• Caleb: “Are you okay with that? Because you're allowed to be okay with that. Sucks for your kids. I'll be honest.”

On Money & Spending (44:16)

• Emma: “That's why you don't get along with the 4-year-old.”
• Brian: “I don't get along with him either.”
• Caleb: “You don't get along with the 4-year-old?”

Brutal Assessment (68:13)

• Caleb: “This isn't a budgeting thing. This is behavior. This is immaturity. This is. You are passing that immaturity along to your children. You guys can't communicate with each other. This is a disaster...This is one of the most egregious disasters I've ever seen.”

Parenting & Priorities [79:26]

• Caleb: “If you say you don't give a fuck but you are a mother, that is disgusting and unacceptable.”
• Emma: “That's your opinion.”
• Caleb: “How is it my opinion if you said you don't give a fuck but you are a parent, how is that just an opinion?...I'm disgusted.”

On Therapy and Next Steps (94:45)

• Caleb: “Couples therapy. I will pay for your first two sessions. That is a start at a minimum. Get your divorces done and then I will sit you down with Reed, our personal accountant...But you have to deal with the relationship first and then the finances.”

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Important Timestamps

• 03:51 — Caleb confronts their living arrangement and ex-husband entanglement.
• 12:06 — Discussion on financial priorities vs. children’s wellbeing.
• 17:35–18:15 — Career ambitions, “trad” gender roles, and consequences for the kids’ futures.
• 29:31–31:01 — Emma explains why Brian’s passivity began after getting sober.
• 44:16–46:59 — Impulsive spending, collectibles, “pay in four” debt explosions.
• 68:13 — Caleb’s “worst ever” assessment and call for urgent behavioral change.
• 79:26 — Confrontation on Emma’s indifference toward parenting consequences.
• 94:45 — Caleb’s final advice: “Therapy first, then finances.”

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Flow and Tone

The tone is brutally honest, raw, and at times, darkly humorous and confrontational. Caleb doesn’t soften his views or feedback, employing direct “real talk” to shock the couple into recognition of their perilous situation. Much of the conversation is uncomfortable but compelling, hinging on the interplay of two partners who have drifted into co-dependent chaos, with a parade of unchecked spending, unaddressed debt, and mutual resentment.

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Takeaways

• No amount of budgeting will solve a behavioral and relational crisis.
• Financial literacy is pointless without willingness to change core habits and dynamics.
• Poor financial decisions were fueled by emotional avoidance, addiction history, and a lack of parenting boundaries.
• Couples therapy—not spreadsheets—is the critical first step.

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Summary

"They’re So F*cked" is a harrowing but engrossing case study in personal finance gone completely off the rails, where the need for emotional maturity, accountability, and real partnership is more urgent than any financial product or advice. Caleb’s pointed interventions make clear that unless Emma and Brian confront their relationship—even before their finances—their future (and their children’s) remains perpetually on the brink.

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“This is one of the most egregious disasters I’ve ever seen in the almost nearly four years of doing the show.”
– Caleb Hammer [68:50]

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Transcript

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[Caleb Hammer]

To watch episodes of Financial Audit a week earlier, check us out on YouTube. How long have you lived with the ex husband?

[Emma]

I mean, we're not even legally divorced

[Caleb Hammer]

technically, but how long have you guys been dating?

[Brian]

Maybe a year.

[Emma]

I don't even know. Honestly.

[Caleb Hammer]

You're getting cucked.

[Emma]

You do let everybody walk over you.

[Caleb Hammer]

You get steamrolled and you don't give

[Emma]

a No, I don't.

[Caleb Hammer]

You are a mother of four. It's unacceptable, it's inexcusable, it is disgusting and it is pathetic. My opinion? You just said you don't give a. If you say you don't give a but you are a mother. That is disgusting and unaccepting.

[Emma]

All right, I'm over it.

[Caleb Hammer]

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[Emma]

Hi, I'm Emma. I'm 31 years old.

[Brian]

I'm Brian. I'm 31 years old. We're from Sacramento, California and this is financial audit.

[Caleb Hammer]

Guys, we're the same age.

[Brian]

Yeah, I believe. Yeah, I'm 31.

[Caleb Hammer]

Do they look older than me? I just need to make sure because you guys look 40. I'm trying to hurt your feelings, but I'm just like. I'm like questioning. Do I look that old?

[Brian]

I get that a lot. I think it's the beard and the tattoos.

[Emma]

When he doesn't shave, it gets gray

[Brian]

on the sides actually.

[Caleb Hammer]

Yeah, that's it. Okay, very good. Now it's Brian, 31. Emma, 31. I was reading a note as you guys were doing the intro, but are we not missing someone? There's like an ex husband or something who's very much in this picture.

[Emma]

Yes.

[Brian]

Financially. Yeah, A lot of our.

[Caleb Hammer]

Financially and living.

[Emma]

Yeah.

[Caleb Hammer]

And I guess your parents as well. Where are they? This is like a. What is it? A throuple plus parents.

[Brian]

Not really. Not really necessarily. Well, we all do live together.

[Caleb Hammer]

Well, first of all, her living with her ex. Are you guys married?

[Emma]

I'm not.

[Brian]

It's a weird. Really weird situation.

[Caleb Hammer]

So I would say.

[Brian]

So yeah.

[Caleb Hammer]

The ex husband's finances are all intertwined into these finances.

[Brian]

Yeah, it's all pulled together.

[Caleb Hammer]

What the. What the actual. May I ask what the. What is going on? I just gotta know. There just reading that blew my mind. How are we even living that? First of all. First of all, just living new fiance living with ex husband. Weird. Two 31 year olds living with ex husband with their parents weird as.

[Emma]

Save money.

[Caleb Hammer]

Well, save money, sure. While this wouldn't be the case. One of the thicker you've seen in a year or so. So what the is going on? This ex husband. What the. I got to know the baseline here before I get into the numbers. He.

[Emma]

I Guess just we can't really afford to be on our own.

[Caleb Hammer]

We can't afford to be on our own, huh?

[Emma]

It's probably why we're here.

[Caleb Hammer]

That is certainly why you're here. But I'm asking what's going on with the ex husband? That's weird as fuck. Living with him, having the finances intermingled. How long have you lived with the ex husband?

[Emma]

I mean, we're not even legally divorced technically, but.

[Caleb Hammer]

How long have you guys been dating?

[Brian]

Oh, years. Three years.

[Caleb Hammer]

How long have you guys been engaged?

[Brian]

Oh, I don't. A year, Maybe a year.

[Emma]

I don't know. Honestly.

[Caleb Hammer]

You're getting cucked.

[Brian]

Yeah, I know. It's just. It's really up situation.

[Caleb Hammer]

What are you doing about it?

[Colton]

You okay with it?

[Brian]

Well, yeah, that's the thing. That's why I got to, you know, get a grip of my finances. So we can get out of the situation.

[Colton]

Is that what it is?

[Brian]

Yeah, I'd say so.

[Caleb Hammer]

For the last four years you've allowed it?

[Brian]

Yeah, well, I mean we do.

[Caleb Hammer]

I'm sure it's the finances.

[Brian]

We do live in a separate like trailer on the property though.

[Caleb Hammer]

Wait, wait, what. What is this? What is the situation? Someone explain it.

[Brian]

So the kids, they live in the house.

[Colton]

There's kids?

[Brian]

Yeah, there's.

[Caleb Hammer]

There's children. There's four of yours?

[Emma]

Yeah, are all mine. But only they're two of them.

[Brian]

Two of them are mine.

[Caleb Hammer]

You reproduced with this one before leaving the last one.

[Emma]

Yes.

[Brian]

Yeah, pretty. That's how it is.

[Emma]

Yeah.

[Brian]

Yes, in that aspect.

[Caleb Hammer]

What is this?

[Emma]

It's not. It's not that bad. What?

[Caleb Hammer]

Do you see this stack of paperwork in front of me?

[Brian]

It could be a little. But.

[Caleb Hammer]

Huh.

[Brian]

I said it could be somewhere.

[Caleb Hammer]

I mean, you guys could all be homeless together.

[Brian]

Well, yeah, that'd be.

[Caleb Hammer]

But that would be in where many people in this situation. Sometimes you lead to it. Listen, 50% of the homelessness in the United States that occurs on a yearly basis is due to mental health and drugs. That means there's another 50% that is out there for a wide amount of categories. 10% or so is about losing a job. Another 10% is getting evicted. That's where you guys could be headed. That's about 20% of people. You lose a job or get evicted.

[Colton]

You got four kids.

[Caleb Hammer]

Four kids. Is the last two with the other.

[Brian]

Yeah, we have two twins together.

[Emma]

We got twins together and then the two from my ex husband.

[Caleb Hammer]

Okay. Wow. Okay. Your eggs go crazy.

[Emma]

Yeah, I got told that.

[Caleb Hammer]

You got told that you didn't just see that for yourself. You need to be told that it happened twice.

[Brian]

Now we know it.

[Caleb Hammer]

Okay.

[Emma]

I mean, we're planning on moving out once we were looking at houses, and

[Caleb Hammer]

then you're looking at houses. Well, and then what?

[Emma]

We ended up going on a couple trips and the money kind of got blown.

[Caleb Hammer]

So why the. That's. Do you want to move on or not?

[Emma]

We want on trips. I mean.

[Caleb Hammer]

But you went on trips instead. Yeah. What trips? What trips? Where. Where are we going? What's. What's more important than moving out for the sick kids?

[Brian]

By the way, we spent like thousand dollars on vip.

[Emma]

Taken care of.

[Caleb Hammer]

Better life. Yeah, well, better life.

[Emma]

I have a good life.

[Caleb Hammer]

Better life. Yeah.

[Brian]

So.

[Caleb Hammer]

Okay, listen. It's a stereotype. It doesn't apply to 100. Most stereotypes don't. But most stereotypes exist for a reason. They are in a trailer park. That usually doesn't constitute the best life. Usually it doesn't constitute the best future. So more opportunities. New York trailer parks aren't in the best school districts either.

[Brian]

No, definitely. Probably not. Especially in Sacramento.

[Emma]

I don't know why you got opinion on it when you're just spending it.

[Brian]

Yeah, well, I just.

[Caleb Hammer]

When you're what?

[Emma]

Just spending it?

[Brian]

I blow a lot of money just on like stupid all the time. That's my big problem.

[Caleb Hammer]

You guys aren't even engaged. How are the. How are the finances? What are the. What do they even look like? If the ex husbands intertwined. What is like the state of what the.

[Emma]

He helps pay for like the kids

[Caleb Hammer]

stuff and well, he should. He is papa of two of one of the sets. But what. What do the finances look like? You guys are engaged, but you are still married to someone. What do the finances look like? I need an answer. I need details.

[Emma]

I'll be honest with you. And I don't look at the account unless it bounces.

[Brian]

Well, a lot of the time she'll tell me that we have, you know, more money than we do or that we don't. You know, I can spend more when I can.

[Emma]

You don't care. You spend it anyways.

[Brian]

Yeah, because like, I'll go out to eat every day when I'm at work and I'll order shit on Amazon all the time.

[Emma]

More than that.

[Brian]

Yeah, a lot more than that. So. But when it comes to the finances, I'm not sure exactly how bad it actually is either.

[Emma]

I send you screenshots constantly, so I don't know how. You don't know how it is?

[Caleb Hammer]

How are you sitting screenshots Constantly. If you're not looking at your accounts.

[Emma]

Oh, my God. I just don't look at the bank account.

[Caleb Hammer]

Okay, so she sends you screenshots constantly. So what the.

[Brian]

A lot of the times I just won't care, I guess. Or you don't care? No, it's not that I don't care.

[Caleb Hammer]

You just said you don't care.

[Brian]

Well, you know, it's more than I. If I just want to spend the money, even though I can't, which is why I maxed out a bunch of credit cards.

[Caleb Hammer]

Okay, so again, the state. Let me summarize. Am I understand this correctly, that the state of the finances is you do not look at the accounts unless you bounce, but you sometimes look at the pay and force of what. You send screenshots to him, and he says you let him spend more money than you have because I guess you need to be coddled like a baby. Why do you need to be coddled like a baby? Why can't you check the. See if you can spend more money than you can?

[Brian]

It's not like I've been coddled like a baby, but it's just like, I don't pay attention.

[Caleb Hammer]

Why do you rely on her, though? Like she says, I can spend more than I actually can. Why the. Why is that even the reality of the situation? It shouldn't be.

[Brian]

No, no, it is, though.

[Caleb Hammer]

It is. I'm asking why, guy? Why can't you just look on your own?

[Emma]

Well, he. Because you don't understand money. I'm gonna be honest with you, because

[Caleb Hammer]

you grew up with that. One does for a while. And yes, he sounds like Ray Romano, but that doesn't mean he can't understand anything. Revolving finances. You're 31. You have access to every resource that existed in the history of the world.

[Emma]

It's not even that. It's more of. He grew up with Wayne, like, everything handed. Not one thing not handed to him.

[Caleb Hammer]

Like, okay, good.

[Emma]

So he doesn't know.

[Brian]

So that limit.

[Caleb Hammer]

Yeah, but you're 31. You're not 21.

[Brian]

Yeah, yeah, but I spend like I'm 21, I guess.

[Caleb Hammer]

Well, that's a joke. That's a pathetic joke. Yeah, but, I mean, you know, you got kids, right? Do you remember that?

[Brian]

Yeah, but, you know, they're taken care of. You know, they get, you know, whatever.

[Caleb Hammer]

How would you know?

[Emma]

You don't even look at the finances.

[Brian]

Well, yeah, no, not. Not necessarily.

[Caleb Hammer]

What is that dynamic here around finances? What is going on? Because it already seems like. I mean, you're calling him on his. But also, I mean, you told Colton you're the organized one, but you also just told me you don't look at your accounts now. So that is contradicting versus what you told Colton and me.

[Emma]

There is no organization. I'll be honest.

[Caleb Hammer]

Then how are you the organized one when you told Colton that Or we

[Emma]

just were in a bad situation.

[Caleb Hammer]

Well, I mean, yeah, if neither person is at all willing to look at the finances or be an adult, yes, we would be bad.

[Emma]

I feel like I'm an adult.

[Caleb Hammer]

Well, you make both of your husbands put your paychecks into your account.

[Emma]

Well, if he wasn't spending what like more than a thousand a month on collectible crap? That would help.

[Brian]

Yeah, probably about a thousand bucks a

[Caleb Hammer]

month on collectible crap like that shit that's on you.

[Brian]

Well, like.

[Caleb Hammer]

Well, what are we talking about?

[Brian]

I buy like pens or figures or

[Emma]

figurines like a 5 year old.

[Caleb Hammer]

Again, the kids, are they not more important? I'm so confused. You could give them a better life. You want them to grow up in a trailer park?

[Brian]

No.

[Caleb Hammer]

No. We both agree. No. Yet we do nothing to make our life better. Ages of the kids?

[Emma]

The twins are 15, almost 16 months.

[Caleb Hammer]

And then months.

[Emma]

Okay, the older kids are four and five.

[Caleb Hammer]

They're twins. Are they four? They're four.

[Emma]

No, there's the.

[Brian]

No, she's talking about the older kids.

[Emma]

The older kids are not twins.

[Brian]

Oh, we got two one year like 15 month old twin boys and then the older boys.

[Caleb Hammer]

Gotcha. Listen, so the four. So the five year olds probably just started kindergarten, right?

[Emma]

Yeah.

[Caleb Hammer]

Probably want them in a better school district. You guys are doing absolutely nothing to give them a better life. Better life. I'm not saying their basic necessities aren't being met, but even still, they only are until they're not. Again, people become homeless constantly. People lose jobs, people don't have emergency funds, people get evicted. Pretending like that'll never happen to you is what happened to the people that it happened to that they think would there?

[Brian]

Yeah.

[Caleb Hammer]

Oh, your husband will bail you out. The husband that's cucking your fiance.

[Brian]

Yeah, well, I wouldn't say. Yeah, I wouldn't say that.

[Caleb Hammer]

But no.

[Advertisement Voice]

No.

[Caleb Hammer]

The other man wouldn't bail you guys out?

[Emma]

No. Cuz he's worse off than we are.

[Brian]

Yeah, he's bad to himself.

[Caleb Hammer]

Well, I mean, I guess you all live in the same trailer park. It's usually not known for the best finance.

[Emma]

We live in the house.

[Brian]

Oh no, no. So we live.

[Caleb Hammer]

Huh.

[Brian]

There's a. There's a house on the property and then we live in a. We live in a trailer on the property.

[Emma]

Cuz my parents own the house so

[Brian]

the kids live in a physical.

[Caleb Hammer]

So you guys are subsidized?

[Brian]

Yeah.

[Caleb Hammer]

And yet you still. What do you do for a living?

[Emma]

I'm a retail manager.

[Caleb Hammer]

And then what does that entail?

[Emma]

Managing people at a retail store.

[Caleb Hammer]

What kind of store?

[Emma]

A box store. Big box store.

[Caleb Hammer]

And they allow this? Your aesthetic?

[Emma]

Oh yeah. The septum piercing. Yeah.

[Caleb Hammer]

And the goth and the.

[Emma]

Yeah. No they do.

[Caleb Hammer]

Big box allows that.

[Emma]

Yep.

[Caleb Hammer]

And it's that spirit Halloween. It is not the dollar store.

[Brian]

No, it's a major one.

[Caleb Hammer]

The dollar store is a major one.

[Emma]

Not anymore.

[Caleb Hammer]

You'll be surprised. Rule. Okay. And what do you make? Good for you. Good for you. I'm glad they allow that. Sacramento. Sacramento baby.

[Emma]

I'm gonna be honest and say I I. Oh just me every two weeks. So 3,000amonth.

[Caleb Hammer]

You're gonna be honest about how much you made? Yeah. I would hope so.

[Emma]

I don't.

[Caleb Hammer]

I thought you were gonna say I don't know.

[Emma]

I don't. Why don't.

[Caleb Hammer]

Why did you say that then? I'm rounding up or down. What's your actual income? You. What the. How can we pay our bills if we don't know our income? What is wrong with you? You don't know your pay?

[Emma]

No.

[Caleb Hammer]

How. How is that possible? Are you hourly?

[Emma]

Yes.

[Caleb Hammer]

So you're not a gm, You're a low level manager?

[Emma]

Yes.

[Caleb Hammer]

What's your hourly?

[Brian]

I don't think she knows.

[Emma]

I don't 24.

[Caleb Hammer]

But you don't know? No. You don't know your hourly? No. You don't know. Not insane. That's insane. How can you not know your hourly pay? How are you accepting a job without knowing your hourly pay?

[Emma]

I've been in the same store in the same company for like 10 years

[Caleb Hammer]

so that doesn't matter. And it also shows a severe lack of ambition. If you're capping yourself at 24 in California.

[Emma]

Me to be up higher.

[Brian]

But they want her to.

[Emma]

I don't want to take responsibility on it.

[Brian]

Why they want.

[Caleb Hammer]

You want to give your kid a better life. What is wrong with you?

[Emma]

I don't spend time with the kids and I feel like if I go higher up and I'm not going to be able to.

[Caleb Hammer]

What's the higher up?

[Emma]

Well, salary in the same company.

[Caleb Hammer]

What's the job

[Brian]

like? Assistant general manager is pretty much what they wanted to do.

[Caleb Hammer]

And what would that entail? Hours wise 12 hours 12 hour shifts. How many days a week?

[Brian]

Five.

[Emma]

Five?

[Brian]

Yeah.

[Caleb Hammer]

Okay. That's a lot. How much would you make?

[Emma]

From what I've heard from other managers, only like 400 more. 300 more a paycheck than I want to make. You know, I don't.

[Caleb Hammer]

We've had people in retail. We've had people in retail managers and cheaper cost of living areas that make 60, 70, $80,000 a year. There is an actual. No, there's a career there. You have to go there to continue going up. Yeah, but. Okay, you want to be with someone who literally has just as chill making California minimum wage for the rest of their life. You guys will never get anywhere. California is too expensive. Sacramento is too expensive.

[Brian]

It's insane there.

[Caleb Hammer]

Yes, but I no longer have sympathy if we're literally not accepting pay increases.

[Brian]

Well, she needs to promote.

[Emma]

No, I want to spend time with the kids. That's my problem is I don't want to.

[Caleb Hammer]

You will spend time with the kids, but yes, you will be doing some sacrifices.

[Brian]

You'll still spend time with them. You just need to promote to make more money.

[Caleb Hammer]

I spent a lot of time with my mom.

[Emma]

Say about you.

[Caleb Hammer]

I have spent a lot of time with my mom. I was very blessed to spend a lot of time with my mom, but she spent three years doing night classes and. And a lot of crazy things for her nursing degree those three years. I'm not sitting here cutting myself because I saw less of mom. I still saw a ton of her throughout the rest of the life. But it completely dramatically improved our household situation and gave us opportunities where we were getting foreclosure notices on the house. I think your children, especially at this age where you could put in a couple years, grind there and hopefully move up to a more reasonable but better paid position for any kind of career. You'll have no career trajectory if you don't do anything.

[Emma]

I'm okay with that.

[Caleb Hammer]

And are you okay with that? Because you're allowed to be okay with that. Sucks for your kids. I'll be honest. It really does. But you're okay with that?

[Emma]

I feel for them.

[Caleb Hammer]

What do you mean? $24 an hour in Sacramento, Lindsay. Right? That's. Yeah, that's fucked. Okay. She's our local California at night. Californian California. So, yeah, no, I would feel bad for four children at $24 an hour. Yes, I would. How many hours a week?

[Emma]

40.

[Caleb Hammer]

Yes, I would feel bad for those children. You're okay with this? This is your fiance? Kind of. Not really, because she's actually married but okay.

[Brian]

No, I mean, we need to both make more money especially.

[Caleb Hammer]

Nope, Nope. Wasn't my question. Wasn't my question. Asshole. You're okay with this? Your partner having literally no ambition, if not negative?

[Brian]

I wouldn't say she has no ambition.

[Caleb Hammer]

She just said she has no desire to make more than that.

[Emma]

I don't not have ambition. I just.

[Caleb Hammer]

What's your ambition? And you're not taking promotions. What the are you talking about? What is your ambition?

[Emma]

To be a mother.

[Brian]

She wants me to make more money so she can stay at home with the kids.

[Caleb Hammer]

Is that what you want? You want trad wife? You guys don't look like trad wife. Stop shaking your leg.

[Brian]

Sorry. Yeah, I mean, I want to make more money.

[Caleb Hammer]

That was the question. Are you okay with the traditional relationship that she is proposing?

[Brian]

Yeah, I'd be fine with it if I could sustain it, but I mean, I don't make much money.

[Caleb Hammer]

That's what you want? You want her to not work?

[Brian]

I mean, I'd be fine with that if I could. If we could do it, but I mean, I don't know how we're ever gonna do that.

[Caleb Hammer]

Wait, are you cucking in every instance of your life? Are you just passive? Do you not care about anything?

[Brian]

No, I care.

[Caleb Hammer]

You have no opinion on anything? On her lack of ambition or what she wants to do. Not bringing income? You having a.

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[Caleb Hammer]

Put all the labor on your shoulders.

[Brian]

I think that she needs to promote. She needs to be able to make more money.

[Caleb Hammer]

Well, that just completely conflicted what you just said. You're okay with her staying at home?

[Brian]

I mean, I guess I'd be all right with either one, but

[Caleb Hammer]

you're kind of a beta. Like in the most literal sense. Like not. Not fucking red pilled shit. Like you're kind of a little. Aren't you?

[Brian]

I'm not a bitch. It's not like that.

[Caleb Hammer]

Really?

[Brian]

Yeah.

[Caleb Hammer]

You have no opinion?

[Brian]

Well, no. She needs. I think that you let her roll

[Caleb Hammer]

over you and you're okay with it, and she is still married to another man while you've been dating her for four years.

[Brian]

Well, we're taking care of that.

[Emma]

Unwillingly.

[Brian]

She's okay.

[Caleb Hammer]

Four years, though. Four years.

[Emma]

Could have done the paperwork sooner.

[Caleb Hammer]

Yeah, you could have done everything. You do nothing. And he's okay with it. What the.

[Brian]

Yeah. So we. I do think that she needs to promote and make more money, but like I said.

[Caleb Hammer]

But you're also okay with her staying at home?

[Brian]

It came down to it. We couldn't. I know it's.

[Emma]

Pick a path.

[Brian]

Yeah. Pick a path.

[Caleb Hammer]

I have a backbone.

[Brian]

Yeah.

[Caleb Hammer]

You always let people just walk over you in life.

[Brian]

No, I don't do that. I mean.

[Caleb Hammer]

You don't do that. Ah, tell me, ghost lady.

[Emma]

No, dude like you. You do let everybody walk over you.

[Brian]

Maybe that's a problem I've had. I don't really see.

[Caleb Hammer]

And he just let her walk over it. Did you see that?

[Emma]

You want to.

[Brian]

You're a. No, I'm not. I'm not like. It's not like that. I mean, I don't normally let people just walk all over me like that, but not, like, outside.

[Caleb Hammer]

But she says yes.

[Brian]

Is that what she said?

[Caleb Hammer]

Yes.

[Brian]

Well, I wouldn't say that's true.

[Caleb Hammer]

Examples, friendships and stuff.

[Emma]

You let people just run you over. Financial situations, you know, spending money on other people, even though there's nothing to do with you. Where all your paychecks went before we got together.

[Brian]

Yeah. I used to blow money on all of my friends and shit. And then the second I stopped doing that, a lot of them were gone.

[Caleb Hammer]

So.

[Brian]

Yes, I guess I have done that before. Yeah. So

[Emma]

even being here, he. He applied without telling me.

[Caleb Hammer]

He what?

[Emma]

He applied without telling me.

[Caleb Hammer]

Okay. Why'd you do that? Cause she would shut you down.

[Brian]

Yeah, I was afraid of her saying no and coming on the show because, you know, it's so bad how. You know, finances have gotten so bad, I figured we needed help with it. I didn't know how she'd take it if I applied, so then I applied to be on the show.

[Emma]

You thought it was funny?

[Brian]

Well, I thought it'd be funny to apply. I didn't think I was gonna actually make it on the show, but I also knew that we needed help.

[Caleb Hammer]

Yes, obviously. But listen, the dynamic part of the. Or the dynamics within the relationship is a core thing here. And it's weird. You won't look at the finances, yet you say to the organized one, you let her give you permission on what to spend, and then it's complet. And then she's literally not willing to make more money. Not willing to. You want her to maybe. But you're okay with her? Not because you don't care? I guess, like, the dynamic is. And again, she is literally married to another man.

[Brian]

Yeah.

[Caleb Hammer]

You guys all literally live together. It's weird, guys. It is weird. Yeah.

[Brian]

I mean, it kind of. Well, I guess it doesn't really work if you look at the finances, but we made it work for the most part. Or not really. Not really.

[Emma]

I guess.

[Caleb Hammer]

This is insane.

[Emma]

I'm pretty sure that's not making it work.

[Caleb Hammer]

Yeah. Marilyn Manson disagrees with you.

[Brian]

No, it is a little. I'm not even sure how much we have in debt, to be honest with you.

[Emma]

I don't know either.

[Caleb Hammer]

Really? Take a guess.

[Brian]

So with the car loan, maybe 30.

[Caleb Hammer]

Wait, okay. I don't have the angle here, because with the. I'm here. I. I don't have the angle that Colton does.

[Brian]

Mm.

[Caleb Hammer]

So, Colton, can you take a picture of your angle? Look at me. Everyone, look at me. And let's put this in. Let's put in Colton's angle from here. Okay. Okay, that's on screen now. He's telling me that you keep kicking him under the table. Is it when he's saying things you don't want? I don't.

[Brian]

Why do you keep doing that?

[Caleb Hammer]

I don't know what is happening? What is this relationship?

[Colton]

Guys, what is the dynamic? I'm so confused.

[Caleb Hammer]

What is.

[Colton]

Why are you kicking him under the table?

[Brian]

He's not embarrassing, so I'm not embarrassing.

[Caleb Hammer]

You suck with money. So you download a budgeting app. You start with the classic one. Ynab, but everyone just deletes it because it's way too complicated to use. So you go to everydollar. That's Dave Ramsey, the personal finance guy. Right. Well, they're gonna force you to use it his way. That's not very personal. Finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollarwise, Built by these people just like you for people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download it now, start the free trial. Dollarwise.com, link in the description below. That's kind of stupid, I'll be honest.

[Colton]

But.

[Caleb Hammer]

But what's not is actually getting a checking account that Gives you free money.

[Colton]

Free money.

[Caleb Hammer]

We like free money. You can get up to $350 in bonus cash right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for chime.

[Colton]

Get that $350 right now in your checking account.

[Caleb Hammer]

What are you talking about?

[Colton]

What does that even mean?

[Caleb Hammer]

I don't know what's being embarrassing. Him being a. I would agree.

[Brian]

She gets real bad anxiety too.

[Caleb Hammer]

She kick when she's anxious?

[Brian]

Well, she gets anxiety. She tries to manifest that on everyone else with her.

[Emma]

It's serious.

[Brian]

Well, not like that, but it's like. Yeah, she gets real bad anxiety.

[Caleb Hammer]

And then I think we should put some headphones on her. I need to talk to this man without his fear of someone else. Because I think you're just.

[Emma]

Just say what you want to say. Just say it.

[Caleb Hammer]

And we're gonna put some headphones on you and we'll play your favorite scream on music.

[Brian]

I only listen to like Broadway.

[Caleb Hammer]

Broadway it up, I guess like in part one. Not to part two, though.

[Brian]

Good.

[Emma]

Just stupid.

[Caleb Hammer]

Emma, can you hear me? Marilyn Monroe, can you hear me? Can you hear me? Can you hear me? Okay, very good. Listen, guy, you're very passive. What is actually. Tell me, Tell me. In this dynamic, the dynamics in this relationship, because you are very clearly passive. This is your chance to be honest and tell your side. This is it for the entire Internet, for me, for in this story. What is going on with you? Because you're getting cucked by a guy legitimately. You literally just allow her to do whatever and you do not care. She tells you what you can spend and it's wrong. What the is happening with you?

[Brian]

Well, when it comes to the finances, I guess the problem is I just.

[Caleb Hammer]

Everything there is a dynamic. That is weird, man. What is going on?

[Brian]

I want to move out, but I want us and the kids to move out. You know, be on our own. But I can't do that with the amount of debt we have.

[Caleb Hammer]

No, you know, that's not my question. You are being pushed over, walked over, ran over, rolled over. And you are not stopping it. What is going on?

[Brian]

Yeah, I guess I need to. I do need to stop and get a grip on it.

[Caleb Hammer]

What happens when you speak up in this relationship on things and have your own opinion? That is different. What Actually happens.

[Brian]

Well, I have disagreements. And what happens a lot of the times, the outcome. I won't. I won't happen, I guess so.

[Caleb Hammer]

Just feel like you always lose. Are you okay with this? Because that's unsustainable, though.

[Brian]

I don't lose all the time, but

[Caleb Hammer]

it sounds like the vast majority. Okay. That's unsustainable for a relationship, though. It really is.

[Brian]

Yeah.

[Caleb Hammer]

And I want to put together a plan that allows you guys to have a long future together with the four kids and beautiful family. I want that.

[Brian]

That's what I want.

[Caleb Hammer]

Yes, but that's not possible if you are just. If you have no backbone, you cannot stand up for yourself and you can't. What are so. In the financial conversations where you get ran over, what. What has happened? What. What are. What are the things that you have lost on?

[Brian]

Well, just be things I would have spent money on it just like stupid shit, though.

[Caleb Hammer]

Like what, she just kicked you again?

[Brian]

I'm being told yeah, she did a second ago, but is happening. I don't know why she keeps doing that. Looks like she's vibing up that song, though. But this be on purchases I want to make and stuff like that. It'd be a lot of arguments, but.

[Caleb Hammer]

Yes, but tell me how it goes, because obviously you get walked over. I'm trying to. Predator Badlands now streaming on Hulu and Hulu on Disney plus here.

[Emma]

You're not the predator, you're the prey. Prey. Pray, pray, pray, pray, pray, pray.

[Caleb Hammer]

Critics are saying it's epic, stunning and breathtaking. Many have come here, none have survived. Predator Badlands now streaming on Hulu and Hulu on Disney. Rated PG 13. Understand?

[Brian]

But y' all tell me not to do it, and then we'll go back and forth for a day or two about it. We'll get in arguments about it. And then sometimes she'll break down and let me do it. Sometimes she won't. Just a hit and miss.

[Caleb Hammer]

Well, I feel like it might be good for you to not purchase something. I don't think that's fair. What about when you've had probably the objectively right opinion and that scenario?

[Brian]

I can. If it's something that's actually we legitimately need to do, like buying that car, I can get her to do it, but, like, you know, that's a lot of money. I think that was 14,000 for that.

[Caleb Hammer]

All right, let's put the headphones on him. I. I wanna. I wanna talk to her. We're gonna pass the headphones over. Okay. First of all, why Are you kicking his feet?

[Emma]

Because the way he talks is just embarrassing sometimes.

[Caleb Hammer]

So why are you embarrassed?

[Emma]

I don't.

[Caleb Hammer]

I think you're embarrassed of him or

[Emma]

else you wouldn't try to nonchalant about everything. I don't understand how he's so nonchalant about everything all the time. All the time. Constantly. Tell me, with the money, with everything, like it's. It's. I feel like he doesn't. He's just there. I want. I want the pushback and I don't get the pushback. I don't get the reaction.

[Caleb Hammer]

I. Oh, you want the pushback?

[Emma]

I want the pushback. Yeah, but it's not. It's just. Oh, okay.

[Caleb Hammer]

And then going. If he's a little too passive for you.

[Emma]

It wasn't always like that.

[Caleb Hammer]

Really? What happened?

[Emma]

Sobering up, I guess

[Caleb Hammer]

so the moment he. From what?

[Emma]

Alcohol.

[Caleb Hammer]

Okay, so when he got sober from that, he became passive.

[Emma]

Yeah. Which is very strange to be the opposite. But here we are.

[Caleb Hammer]

Has he lost all confidence? Is sober him not confident?

[Emma]

Yeah.

[Caleb Hammer]

And is it the sober part or is it just in this world you've just seen him not confident? Other than. Was it just that drinking gave him confidence but his baseline is just not confident?

[Emma]

I think so.

[Caleb Hammer]

Honestly, where else do we see examples of this? Is this everywhere and everything?

[Emma]

Yeah. With relationship?

[Caleb Hammer]

Yeah. Does that bother you?

[Emma]

Yes.

[Caleb Hammer]

What have you done about it?

[Emma]

Nothing, I guess. Besides trying to be supportive. With the sobering.

[Colton]

Huh?

[Emma]

With the sobering up?

[Caleb Hammer]

Well, yes, I agree with that, but. Okay. How long has that been? How long has that been?

[Emma]

I guess it's been worse since we took out the loan for the 401k. I don't know why. It just.

[Caleb Hammer]

Okay, but how long has he been sober?

[Emma]

Two years.

[Caleb Hammer]

Okay.

[Emma]

First year was not so.

[Caleb Hammer]

Listen, I got that, but it's been two years to passive. I understand a year of grace, but if it's like year number two, you're just putting up with it. Something that you can't stand.

[Emma]

Yeah, I guess.

[Caleb Hammer]

How is that good for you guys? Future at all? There's no way you'll be able to make it if this is bottling up. You're gonna explode. You explode. And he's the father of your kids and you guys are kind of engaged.

[Emma]

Yeah, kinda. That's the problem, I guess, is everything's kinda. And it's just money.

[Caleb Hammer]

I don't know either.

[Colton]

He doesn't give a.

[Caleb Hammer]

That you live with your ex husband. He doesn't give what you do with your income. He doesn't Give a about anything. And that bothers you?

[Emma]

Yes.

[Caleb Hammer]

But he's not willing to grow a

[Emma]

singular Sell the spend the money, but not to. That's about it. I mean, took a loan out. Yeah. I had to take off from my 401k. Yeah. 10,000.

[Caleb Hammer]

Are you resentful of his behavior? Of his lack of being a man?

[Emma]

Yeah, I guess so. I don't want to say it, but

[Caleb Hammer]

it looks like a sad puppy over there.

[Emma]

Yeah, he does.

[Caleb Hammer]

Oh, geez. So you had to take out a 401k loan to help with his spending? All of it is so he can't control. He. So he's beta in in every instance, everywhere for everything. And then his entire cop is just spending of which you have to then take money out of your 401k to help with.

[Emma]

Yes.

[Caleb Hammer]

Oh, this is a disaster. I didn't even. Okay. Yeah, this is. This is a nuclear level disaster of a relationship. I don't think you guys were ready for kids or engagement yet. You don't agree on finances. No. And you can't even stand how he acts. And he wants you to make more money, but he can't stand up for a second. You honestly are a loser with your job. Let's be honest. You're a loser with your job. Come on. You need to be able to give your kids a better life than they have and you're choosing not to in order to spend time. I do agree with that. But listen, $24 an hour in Sacramento, California ain't nothing. That's 50 bucks an hour here. You ain't going to do life. Yeah. Ain't going to do a good life for your kids. You're not going to be able to do after school programs. Not going to be able to do trips with your kids.

[Emma]

I feel like you should.

[Caleb Hammer]

Everything's on debt. Well, maybe I haven't even gotten to his income yet, but step up. I don't think step up is in this guy's life. Has he ever stepped up? Where's the step up for the kids?

[Emma]

I guess stepped up from that. Sobering up. Well, yeah.

[Caleb Hammer]

Well, they're 16 months old. Yeah, he's been sober for two years.

[Emma]

Well, he stepped up for my other kids too, to help be there for them. Even though they were drunk. Yeah.

[Caleb Hammer]

Why'd you get with a drunk? You have no self respect for yourself.

[Emma]

We were friends beforehand.

[Caleb Hammer]

You have no self respect for yourself though, because you're okay with sleeping with a guy who's just a beta cuck.

[Emma]

I. I have self respect yes.

[Caleb Hammer]

Do you?

[Emma]

Yeah.

[Caleb Hammer]

But you don't care and you're not doing anything to change it. And not confronting that situation, that bothers you. I'm sorry now I kicked you. It's a whole kick fest.

[Emma]

It's a kicking game. I guess. I guess I don't have an argument for that.

[Caleb Hammer]

Well, how quick did that 401k money go that you took out all months?

[Emma]

If that.

[Caleb Hammer]

In a month? About.

[Emma]

Yeah.

[Caleb Hammer]

Oh, my death. What are we doing here?

[Emma]

We paid off a car.

[Caleb Hammer]

The average hourly wage there, which average is usually not very good, is 36.66.

[Emma]

Yeah.

[Caleb Hammer]

You're over $10 under the average wage there, Sacramento. What are we doing?

[Emma]

I just. Like I said, I don't care. I care.

[Caleb Hammer]

You guys are losers.

[Emma]

I care.

[Caleb Hammer]

What? Then take the promotion. Where's the care? What do you mean take the promotion? What is wrong with you? They are the age right now where you can do it and they won't be like wah, wah. And have bad memories of missing their mom that much.

[Emma]

I feel like they would a little

[Caleb Hammer]

bit, the older ones, but not as much as if they were in like, if they were like 10 or 15. They're 5 and 6 right now. Those memories go away quick. And the 16 month old, they don't have memories. They do. No, they don't.

[Emma]

It's.

[Caleb Hammer]

You start establishing memories around three years old.

[Emma]

It's the memories with them that I get your memory.

[Caleb Hammer]

So it's selfish. So you're prioritizing your memories instead of giving them a better life. Now it's being a selfish loser. I guess loser is an insulting word. But I need to be real about how I see it. I'm not going to sugarcoat it because that would also be rude in its own way. How you are choosing to do your career in Sacramento, California is unsustainable. It's not a career, it's being a loser. Because you've been offered these promotions. You can't disagree. You can't. Okay, fine, you disagree. Why? How's it not being a loser?

[Emma]

Because I'm there in your career?

[Caleb Hammer]

Yeah. I don't know. You're there making minimum wage. Is that minimum wage in California? Is it like 20 now or something?

[Emma]

I think it's 20. Yeah.

[Caleb Hammer]

Okay. You're basically minimum wage and you've been given more. So. Okay. Yeah. I hope you enjoyed. Wicked. Oh, there she is. Listen, I'm gonna let you know. So I think we've established that you're a little bit of a beta. I want to keep using that word. But I'm gonna keep using that word. I guess I can't think of another one. And that's very important as we go into these documents because there's gonna be a lot of things that we're gonna have to execute and change. We're gonna have to advocate for ourselves a lot of things. What do you think her opinion is on that? On your beta Esque.

[Brian]

I'm not sure what your opinion would be, but.

[Caleb Hammer]

Well, that's what I'm asking. What do you think?

[Brian]

Probably that I deal with people walk over me a little too much and probably make a lot of stupid decisions financially. I'd say it's probably what she thinks.

[Caleb Hammer]

Yeah. How do you think she feels, though?

[Brian]

Probably doesn't like it a lot. I'd say that's it. Yeah.

[Caleb Hammer]

I mean, I'll speak for her. She's resentful. It makes it hard to look at you as a man.

[Brian]

That's up. I didn't think about it like that.

[Caleb Hammer]

Yeah, dude, listen, here's the thing. Especially if, you know, she wants to stay home and take care of her kids, she. Even though, you know, she's white facing us right now, it's. She's a bit more trad than you'd think. And usually with that kind of opinion, they kind of want their man to be a man and you're kind of not being a man in the traditional sense. And that kind of takes away the lady boner.

[Brian]

I. Yeah, I know it does.

[Caleb Hammer]

How's y' all sex life?

[Brian]

Good.

[Emma]

Close to non existent.

[Caleb Hammer]

How did I just get good and close to non existent?

[Emma]

For him, it might be good. Not for me. And I bet he couldn't argue that.

[Brian]

Yeah, I mean, it could. Could happen more. More frequently.

[Emma]

Do you even care?

[Brian]

Of course I care. Just a lot of the times I'm tired after work, you know, long days.

[Caleb Hammer]

So that's actually on you. It's not even you.

[Brian]

No, that one's on me. That's not on her.

[Emma]

It's always on him.

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[Caleb Hammer]

I figure because she was. Essentially what she was describing was a lack of respecting you as a man and a partner. Due to you've been emasculated? She's resentful, so I thought maybe she wouldn't even be turned on, but I guess that's not the case. Okay. Yeah. I mean, are you guys in couples therapy?

[Emma]

No.

[Caleb Hammer]

Well, you need to be. I want you guys. I want this to work for your kids and for you guys. Are you sleeping with your ex?

[Emma]

No.

[Caleb Hammer]

Okay.

[Emma]

No.

[Caleb Hammer]

When's the last time you have.

[Brian]

Long time ago.

[Emma]

Long, long time ago. Way before the twins.

[Caleb Hammer]

Okay, good. I needed to make sure. Huh?

[Brian]

Like four years ago. Right.

[Caleb Hammer]

So never will you guys have been together?

[Brian]

No.

[Emma]

No.

[Caleb Hammer]

Never? Not once?

[Emma]

No.

[Caleb Hammer]

No. Well, he lives on the property.

[Brian]

Never?

[Caleb Hammer]

Not once?

[Emma]

No.

[Caleb Hammer]

Okay.

[Emma]

That was a divorce for a reason. Well, no.

[Caleb Hammer]

Well, what divorce? What are you talking about?

[Brian]

We haven't even started the paperwork on that yet.

[Emma]

No. Yeah. Why don't you tell them about your divorce?

[Caleb Hammer]

Oh, for.

[Brian]

Yeah, it gets better.

[Caleb Hammer]

Who divorced you for being a beta?

[Brian]

I got an ex wife from about, what, nine years ago?

[Caleb Hammer]

Are you collecting them? You got an ex wife?

[Emma]

He collects.

[Caleb Hammer]

All right. What happened?

[Brian]

Her, drugs and a lot of stupid shit.

[Caleb Hammer]

I am happy to hear your two years sober.

[Brian]

Oh, yes.

[Caleb Hammer]

Congratulations on that. That is really good. And I'm very proud of you for that.

[Brian]

I didn't know she brought that up.

[Caleb Hammer]

She did. And it shows that you have discipline. You have the ability for discipline. But she also says that you only showed your confidence when you drank, and that your baseline has no confidence and has no standing up for yourself, no backbone, no nothing. And I don't like that. That crutch was when you actually had a sense of self.

[Brian]

Yeah. It was just difficult for me. Coming off of, you know, doing all that drugs and alcohol. Just refining myself is, I guess, been a. I agree.

[Caleb Hammer]

But you cannot let people walk all over you. You can't. You really cannot. Listen, she will be right in arguments, but so will you. And he says that you win 90% of arguments by default because you don't argue back.

[Emma]

Like, that's why I'm saying, like, say something. You know, to say something.

[Brian]

Yeah. We'll start a argument, then she'll, I guess, by default. Like, I'll let her win by default and just be up.

[Emma]

There's no nothing.

[Brian]

No nothing. No nothing about what?

[Emma]

You just don't look at like you don't care. You don't push anything. No, you don't.

[Brian]

No, it's not that I don't care.

[Emma]

No, you don't.

[Brian]

I wouldn't say that. Well, apparently she thinks I don't Care.

[Caleb Hammer]

Show me you standing up for yourself.

[Brian]

No, I care. I care about you and the kids. Just. I got some issues I've been working through.

[Emma]

You don't work on it. You don't stand up for yourself. No. Yeah.

[Brian]

I mean, I need to. Fuck. I need to do that more. Just a whole bunch of shit.

[Emma]

It just sits.

[Caleb Hammer]

Yikes. And she's a loser with her job, to be clear.

[Brian]

She needs the light guy like we were talking about. I mean, I've been stagnant in mine for a while, too. I need to get my license.

[Caleb Hammer]

What do you do?

[Brian]

I'm a carpenter.

[Caleb Hammer]

Okay. What do you make?

[Brian]

24 an hour?

[Emma]

About the same.

[Caleb Hammer]

Huh.

[Emma]

Excess. One thing. You can't shit talk.

[Brian]

I can't shit talk around that. I make the same amount of money.

[Caleb Hammer]

It's not about the amount of money you make. You know, that's not what I'm criticizing you about. It's that you've been given the opportunity and asked for a raise. They've asked you. They've asked you to pay you more for more responsibility. You said no. That is loser mentality. If you're making 15, I wouldn't criticize that specifically. It is the context of the situation that I am criticizing. If he is offered a promotion, are you denying it?

[Brian]

I would never.

[Caleb Hammer]

Then he's not a loser in that respect. In that respect, what?

[Emma]

You don't even work at work, dude.

[Caleb Hammer]

You don't even work at work.

[Emma]

No, he doesn't. He sits in his car.

[Brian]

I'm a supervisor.

[Emma]

Oh, you supervise from the car?

[Brian]

Supervisor.

[Emma]

So it's like I feel like I bust my ass and then he'll turn around and be at work and get paid to be at work.

[Brian]

I got bad knees and a bad back, too. I fell off a roof a few years ago and then I have no cartilage in my knees. Wow, man.

[Emma]

Damn.

[Caleb Hammer]

Hear that Resent? I hear the resent. Listen, I'll get you a project construction project management certification to course careers. That'll help accelerate that career and get you better earning pretty quick. So make sure you take that. All right, guys, what do we think the financial score is? I have to get any of these or this is never going to end. But I think I at least have a baseline understanding of your relationship. And it's a mess. Like, good luck the rest of us for this conversation.

[Colton]

Good luck, us.

[Caleb Hammer]

But what do we think our financial score is?

[Brian]

Out of a 10?

[Caleb Hammer]

Out of a 10? Zero being horrible. 10 being amazing. Best ever. Worst ever.

[Brian]

Two.

[Emma]

Two.

[Caleb Hammer]

Okay. If you want Your Hammer Financial score. Make sure you take that assessment to caleb hammer.com it is free and it only takes a few minutes. You get your own personalized score based on your finances. And if you don't want to be like a guest who ends up on the show, you need to download the new and improved and incredible dollar wise budgeting app. It is 6.0. It is revolutionizing the budgeting app world. You need to check it out right now. Get your free AT Dollarwise app. That link is in the description below. And only through the end of March. If you sign up for the annual version which saves you almost 50%, you will get my Budget Friendly Cookbook signed by me mailed directly to you. And same with our meal plan as well. But the cookbook is gone at the end of March and then it's going away forever. So this is the opportunity to get it. Check out the Hammer Financial Store and the Dollar Wise app links below. Let's get into these finances. What am I looking at? All I know is we're getting Amazon. Amazon Old Tone Pizza. It looks like a paid for of some kind.

[Brian]

Yes, that's Sezzle.

[Caleb Hammer]

Sezzle? Your Cecil users? Yes man, Sezzle. I swear I heard about it for the first time the other day and now it's everywhere.

[Brian]

We got a four thousand dollar credit limit with them.

[Caleb Hammer]

Why? Just actually why?

[Emma]

Because it's easier to stretch the money out compared to like big because you know why?

[Caleb Hammer]

Can you tell me why it's easier to test the money out?

[Colton]

Because you've accumulated so many minimum monthly

[Caleb Hammer]

payments that you never have enough money to actually just buy something anymore.

[Colton]

And you're making that only worse. Not only having minimum payments anymore.

[Caleb Hammer]

Now you have minimum weekly payments with credit cards.

[Emma]

If you miss a payment then it gets so amped up you can't pay it. But at least with 4 and 4 they just shut you down.

[Caleb Hammer]

Rack up any of those stupid ass debts so that we don't get completely

[Emma]

sure.

[Colton]

Huh? I

[Caleb Hammer]

Interesting. Interesting rebuttal. Listen, I'll again, I'll let you use the fizz card. It's a debit card that builds credit. But I don't trust you anywhere else. This is $1928.68 of stupid ass stupid doing four weeks. Doing two weeks. Doing four weeks.

[Emma]

Okay, so a lot of it is is we both work late and so coming home.

[Caleb Hammer]

Hey, I thought it was all about spending time with your kids. You if you're working late, it's already gone anyway. Yeah, and then so bullshit excuse. First of all in the first part when you said you don't want to take the promotion, you. But go on. You work late.

[Emma]

Tell me and we a lot of rest of it is what your collectibles? And then you.

[Caleb Hammer]

No, no, what is the we work late. What does that even mean? What do you say?

[Emma]

Neither of us want to cook when we get home.

[Caleb Hammer]

Wanna? Why would I care about wanna? You wanna?

[Colton]

Yeah.

[Caleb Hammer]

If budgeting apps make you feel like this is for you. Most people who struggle with budgeting are irresponsible. They care about their money, but they get overwhelmed every time they look at it. They download an app, connect their accounts

[Colton]

and try tracking but within a few

[Caleb Hammer]

days it feels like a homework assignment. They're failing too many categories, too many rules, too many red alerts screaming at them about what they did wrong. So of course they stopped opening it. Not because they don't care, but because

[Colton]

it makes them feel worse.

[Caleb Hammer]

And here's what nobody talks about. The stress isn't coming from your spending. It's coming from having zero clarity in using tools that turn money into a failing grade. Have you ever thought I just want to know where my money's going without being judged for it? You're not alone. That's exactly what we built dollar wise. If you want a calm and clearer way to see where your money is going going, try dollar wise. Download the app today and get a three day free trial. No setup nightmare, no manual tracking, no pressure to be perfect. Just connect your accounts, see where your money's actually going and decide if it works for you. Click below to download dollar wise and see if this helps you feel more in control without the stress. And if it's not a fit, cancel anytime.

[Colton]

Starbucks is bull and a waste of

[Caleb Hammer]

money and you already know that by making your coffee at home and investing the rest.

[Colton]

So now you need to do that

[Caleb Hammer]

with your energy drink as well. Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show. Fat and Fatter. The number one ranked energy drink is gamer.

[Brian]

Literally. The cherry flavor is insane.

[Caleb Hammer]

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

[Emma]

They have a better life, but they

[Caleb Hammer]

have a better life than what? Not than their current one. But it could be. Why do you want to keep them stagnant why not have an incredible life? They totally could. After school programs. No going on a school trip. No. No chance you'll ever be able to afford that. You fucking. You're paying in foreign Amazon purchases. You think you're sending them on a school trip.

[Emma]

We use that for.

[Caleb Hammer]

Think you're sending them on a school trip. You think if one becomes a band

[Emma]

student and wants to take them to a whole bunch of other stuff.

[Brian]

We did finance a lot of the Disney on the Sessile on Sezzle.

[Caleb Hammer]

Well the ticketing on Sezzle.

[Colton]

I'm being told Burger King.

[Emma]

The tickets were on PayPal 4 and 4 and then.

[Caleb Hammer]

Oh my gosh, you have 40 to 60 current paying for is currently Colton's

[Emma]

telling me more than that. Yes.

[Brian]

All our food at the airport.

[Caleb Hammer]

That's a record on the show by far.

[Emma]

On the way up here it was 4 and 4.

[Brian]

All the food up here and everything. I think we even put the rental car on it. Oh yeah, we put the rental car on it.

[Colton]

Why?

[Emma]

Because the payments are so much that we can.

[Caleb Hammer]

Because of what you're paying.

[Emma]

It's racked up. It's racked up. That's where the whole. We paid off what, 4,000 on the car with the 10k from the 401k and the rest went to go pay off the four and fours and then we racked them up further than they were

[Caleb Hammer]

for Old Town Pizza. Yeah.

[Colton]

Galapo Gauchow.

[Emma]

Brazilian meat with what? The Brazilian, by the way.

[Caleb Hammer]

By the way, meal prepping is just a couple times a week and you're warming it up anyways. I'm not making you cook when you get home because you cook when you're not tired and then you warm up when you're tired. Do they have microwaves in Sacramento?

[Emma]

Yes.

[Caleb Hammer]

Then go yourself.

[Brian]

A lot of it's me like I just. I don't know why. I just have a hard on for eating out so bad.

[Caleb Hammer]

Well, we learned that seems to be your cope, your beta cope. Because you are like pathetic in life. So your only thing you can do is cope. And you cope with fast food. That's your current addiction. You likely had an addiction transfer. I forgot the actual term of that. But you likely have just transferred.

[Brian]

I think I might have, yeah. Because.

[Caleb Hammer]

Yes, it's very common. It's very common.

[Brian]

Yeah. I think that's probably what happened because I. I never really got to eat as much before when I was doing drugs. Ramen before I was like barely eating, eating ramen and shit like that. And then I quit doing that. And then now all I do is go get fast food and rest.

[Caleb Hammer]

And it's not as bad for your health, but it's also really bad for your health.

[Brian]

Yeah, it's definitely not good for that. I have diabetes too.

[Emma]

Unchecked, no insurance. Too much spending money and not getting insurance. Check her diabetes.

[Brian]

I was pre. Type what? Type 1 is what they told me like three years ago.

[Emma]

His dad has diabetes.

[Brian]

My grandpa has diabetes.

[Caleb Hammer]

Dude, are you even that fat?

[Brian]

No.

[Colton]

What the.

[Brian]

I drank a bottle of bourbon a day for five years straight. That's why.

[Caleb Hammer]

Oh, I thought you said today.

[Emma]

That would be a different story if you did.

[Brian]

No, I mean, he wouldn't know if I did though. I mean, I'd be just like this, but okay.

[Emma]

Said that to your dui.

[Brian]

Tell it to my dui. I did get one DUI right before I quit.

[Caleb Hammer]

You. You mean type two though, right? Type to one's the one that you get, right? Yeah, it's whatever one you don't have to take.

[Emma]

I would have the instant I had

[Brian]

a heart attack and I went to the right. I had a heart attack.

[Emma]

So I don't know.

[Colton]

Wait, what?

[Caleb Hammer]

You had a heart attack?

[Brian]

I had a heart attack. And when I went to the hospital, they ran a bunch of tests on me.

[Caleb Hammer]

How old were you? Cold since gas. Me. No one even knows this. How old were you when you had a heart attack?

[Brian]

Oh, it was about six years ago.

[Emma]

About.

[Colton]

Yeah.

[Caleb Hammer]

Heart attack at 25.

[Brian]

Yeah. Yeah.

[Emma]

From drugs.

[Brian]

Cocaine. We'll do that to you.

[Caleb Hammer]

So you don't know what kind of diabetes you have? Do you have the one that you can get under.

[Brian]

Well, that under control? Yeah.

[Caleb Hammer]

Okay. Under control. Both. But one you can kind of get

[Brian]

under control because, you know, they didn't tell me at the hospital.

[Caleb Hammer]

But you have the one that you can get rid of?

[Brian]

I believe so, yeah. Yeah.

[Caleb Hammer]

If you're a pre diabetic, I would assume so.

[Brian]

They didn't even tell me at the hospital. They mailed me a letter about it later.

[Caleb Hammer]

So. Heart attack, dui.

[Brian]

I get better and better. Yeah.

[Caleb Hammer]

Dude, what the. Again, I am so glad you got sober. That is a beautiful thing and I love that for you. I really do like it is. I would much rather you be this than that. Obviously any day. It's not even comparable.

[Brian]

Yeah, I was a completely different person too when I was Jackson Hewitt has

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[Caleb Hammer]

So don't wait.

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[Caleb Hammer]

When's the last time you checked your blood sugar?

[Emma]

I don't think he ever has.

[Brian]

A long time ago at my dad's house.

[Caleb Hammer]

Can we get Wes in here and Mark to go get, like, a blood sugar test? Yeah, if. If. I'm not gonna make you, but if you're curious, we could do it in the post show.

[Brian]

Yeah, we. Yeah, at the end.

[Caleb Hammer]

Yeah.

[Brian]

Okay.

[Caleb Hammer]

We do consent. Consent. Pricks. Yeah. Let's get. Let's get Wes to sit in for Mark. And Mark, go get that blood sugar tester.

[Emma]

That's another thing is he doesn't, like, stand up for himself physically. Like it was a fight to get him to sober up. Like that was part of our first year.

[Caleb Hammer]

Well, that's fair. I mean, when people are drunks and drug addicts, like. Yes. That is usually an external fight. Yeah. I mean, it really is. Like, I'm not going to criticize that. I think. I think that's reasonable. Right? What does scare me, though? For someone that has such an addictive past, and we know that relapse rates. I mean, it's better for alcohol than many things. But. But the other drugs, I'm concerned about. But I'm concerned about all them. But stress. Stress from all these finances, the relationship dynamic could be an easy way to get right back into that Max.

[Emma]

I don't understand how he can be as stressed as I am. Because all of it's under my credit, except for the car, which I had cosigned on.

[Caleb Hammer]

It's still his life, though. It's not just a credit card. I know, but it's his life. It's his kids.

[Brian]

I still have to pay it off, even though it's not under my name directly. I still have to. To make the payments to you, and then you make the payments to them.

[Emma]

He's tried to get cards under his own name, and every time it gets denied.

[Caleb Hammer]

Pull up your Amazon, because there's Amazon purchases on here. And AC, your minimum payment. I mean, it's. It's like 1500. So, I mean, it gets paid off and Then it gets. It goes right back. It's. It's a joke. It's.

[Brian]

It's.

[Caleb Hammer]

It's a pathetic.

[Emma]

A lot of it. Or you know, I'll show you the. The affirm because that's where all the payments on Amazon go to.

[Brian]

Which one set?

[Emma]

I have like six, seven different foreign force. I think that one's logs.

[Caleb Hammer]

That's a. I don't even see the purchase. I don't even see the purchase history. This is a disaster. Okay, affirm with just again, lugs. I mean, you're getting. It's not even necessities. Like I could be more empathetic and sympathetic. All the pathetics.

[Emma]

Amazon's all affirmed.

[Caleb Hammer]

Oh, I want your Amazon.

[Emma]

I know. I'm saying all the payments on it.

[Brian]

He wants to see what you're buying.

[Caleb Hammer]

Oh no, you're. This is all.

[Emma]

Oh, the stuff you already got sitting in the cart.

[Caleb Hammer]

Well, let me see, let me see.

[Brian]

Well, that's your account.

[Colton]

Let me see.

[Caleb Hammer]

Oh, is that Your phone's probably $333 a month. Ish. Okay, I'm starting a screen recording. No, I'm not. Cause it's not there. Why do you have order history too?

[Emma]

Huh?

[Brian]

Yeah, I got one too.

[Emma]

His probably has more than mine.

[Caleb Hammer]

Oh, you have two different ones. Can I see both of you guys?

[Brian]

Mine doesn't have a lot on it, but okay.

[Caleb Hammer]

In the cart. What do you mean he put it in the cart? If this is your cart. If you have two different Amazons.

[Emma]

Yeah, sometimes he's in my account sometime his account.

[Colton]

Yeah, you guys are

[Caleb Hammer]

Magsafe battery pack. It's the worst thing in the world. Better than buying a new phone. But we have NHL hockey. Anaham Ducks throwback logo four and four set. You. You. And even worse, Matrix. The form film. The four film collection.

[Emma]

Oh, he's a giant collection.

[Caleb Hammer]

Blu Ray.

[Emma]

Oh, it's. He has like 100. What are we doing?

[Colton]

Your kids come first.

[Caleb Hammer]

That's $60 in Matrix. And the first one's the only good one anyway.

[Brian]

That. That is true. But I still. I like to collect all the box sets and all that.

[Emma]

He doesn't even watch them, he just collects them.

[Caleb Hammer]

Plus the fourth film. We're not gonna talk about that.

[Brian]

Yeah, that one's not.

[Emma]

That doesn't exist.

[Caleb Hammer]

You look like the directors license plate. Oh, we got pens. We already got a mag safe battery. But there's another one in the. A wireless charger. NFC stickers. NFC stickers. I don't even know Neuro energy and focus. Gum doesn't work. Isn't it just like.

[Emma]

Is that.

[Caleb Hammer]

Isn't it nicotine, my friend?

[Emma]

No, no, it's like a gum that's supposed to make you awake more.

[Caleb Hammer]

Well, how does it do it without like nicotine, caffeine or.

[Emma]

It don't work. It makes me sick.

[Brian]

I would imagine not makes you sick.

[Caleb Hammer]

Yeah, well, it probably has something. It just makes you sick. Okay, headphones, history, storage bag. Oh, beats. We got beat headphones. You. Oh, you guys. What are we doing? That was after Christmas. That wasn't even before Christmas.

[Emma]

No, he.

[Caleb Hammer]

That's what rain cover for a stroller? That's okay.

[Emma]

He wanted a new iPhone and so that ended up being a whole ecosystem, as he calls it, of Apple devices.

[Caleb Hammer]

So kids, baby syringe. Are we teaching them how to do the H already? No. Trying to not go down that path again. Right?

[Brian]

Yeah, no, definitely not. That was for.

[Caleb Hammer]

Oh, I'm kidding. It's an oral syringe for the nasty they take. I know. I'm making. I'm making my one. Sorry, I'm making addict jokes to an addict. Isn't that what you're supposed to do?

[Brian]

I think so.

[Caleb Hammer]

Let me see yours.

[Brian]

Mine's not really that bad as I

[Caleb Hammer]

saw 40 things in the cart.

[Brian]

Most of the in her cart was from me actually. So

[Caleb Hammer]

you also don't have the screen recording. Have you guys never used these features before?

[Emma]

No, I've never had iPhone until he got us iPhones.

[Caleb Hammer]

Okay, in your cart. Let's see.

[Brian]

Oh, I don't look through that.

[Caleb Hammer]

Okay. Screen cleaner spray. It's not. That's not the worst. A Apple tv, I guess for the kids. You want a little case for that? Pimpin ain't easy. Vintage license plate wall decorations.

[Brian]

I don't know how that ended up in there.

[Caleb Hammer]

Double knife, skull, pirate flag. Lucky day. Blu Ray. What is lucky day?

[Brian]

There's some movie I saw I wanted to watch, I found on TikTok.

[Caleb Hammer]

But you can rent it for like three bucks.

[Emma]

It's all tchotchke. It's all. That's all it is, non stop.

[Caleb Hammer]

Two packs, soft silicone sports wrist strap. The Giver. Another movie? I do not know.

[Brian]

It's my favorite book. The movie's not that great.

[Caleb Hammer]

Is this a good movie?

[Brian]

It's a good book, but bad movie.

[Caleb Hammer]

Well, you got the Blu Ray. You've already seen it. Jojo rabbit. That's good. 30 bucks though. They don't need it. I think that's on streaming services, which

[Brian]

I'm sure you guys have streaming actually

[Caleb Hammer]

well, she probably does two or headphones. Headphone case, Apple watch. Bullshit Watch organizer. So you have a lot of watches?

[Emma]

About two Disney Mickey watches.

[Caleb Hammer]

Steamboat Pete patches. A lot of cases and seat covers and stickers for your. Now there's that patch. There's that patch. No, there's a Christmas version.

[Brian]

That one's pretty good.

[Caleb Hammer]

The orders. The orders. He got a Alto Electro plate. Official license. Jason the Killer mask, chargers, skull license things. Lots of license plate things. You get so many license plate things.

[Emma]

He likes his car.

[Caleb Hammer]

Well, I Car that you want and like a new one or something, Right?

[Brian]

Well, I just got rid of one of my. I traded in one of my.

[Caleb Hammer]

So many charger. How many charger things do you need? You get like 50,000 charger things. Dude, you guys are weird.

[Brian]

I. Well, I got a lot of to charge.

[Colton]

Well, get rid of some.

[Emma]

That's all the payments.

[Brian]

A lot of them now are from just on Pointless.

[Emma]

Watch the iPad.

[Caleb Hammer]

We're gonna be here for a thousand years.

[Emma]

The phones, the AirPods.

[Caleb Hammer]

Zip. What is Zip? Even?

[Brian]

It's the same as Tesla or Klarna or Afterpay.

[Emma]

It's all the same.

[Caleb Hammer]

Oh, Hot Topic.

[Emma]

Sometimes they use it on the car

[Caleb Hammer]

for like Target car for Hot Topic. T shirts and dresses from Hot Topic.

[Emma]

Yes.

[Brian]

That's a lot of the T shirts.

[Emma]

I wear the dresses and stuff. I don't know why I had to clarify that.

[Caleb Hammer]

Well, because of the way he talks, you'd think he wears a dress.

[Brian]

I don't wear no fucking dresses. Not anymore. Huh.

[Caleb Hammer]

Homophobic too.

[Brian]

I used to wear dresses at a haunted house I worked at. That's what. So that's why I wasn't out anymore. I haven't done that in a long time.

[Caleb Hammer]

You didn't like hate crime, Colton, earlier, did you? What? I'm concerned.

[Brian]

No, no, nothing like that.

[Caleb Hammer]

Not very confident, colton, you're hate crimed. 1,600 is zip. I'm guessing it's probably like all 333amonth as well, which just gets replenished because you guys can't afford these minimum payments to save your life.

[Emma]

It stays revolving.

[Caleb Hammer]

Yeah, no. What's this?

[Emma]

Let's PayPal 4 and 4. I just paid off the Disney tickets off of that, so that's. But there's more on there. I don't even know, honestly.

[Caleb Hammer]

Disney? In what world can you guys go to Disney?

[Emma]

We went in January. We took all the kids.

[Caleb Hammer]

All right. May I be insulting? Oh, thank you. Good. You guys are trailer trash and you're going to Disney Yes.

[Emma]

Memories for the kids.

[Caleb Hammer]

Half of them do not have memories, to be clear. And the other ones, they will. They will not remember their five year old memories the vast majority of their life. I think you will have pictures. That's it.

[Emma]

Well, it's worth it for the pictures.

[Caleb Hammer]

Good news. Google Gemini. Tell them they went to Disney. They won't even know.

[Emma]

It's not the same.

[Caleb Hammer]

No, it's not. But come on, you know what I'm saying. It's not worth it. It is for you. You're selfish. You're selfish. It's your memories. It is your memories. Your memories.

[Emma]

My 4 year old remembers it now,

[Caleb Hammer]

but he won't by. By the age of 16 and on work. He will not.

[Emma]

He likes it now. He asked go and so we made that.

[Caleb Hammer]

So we do everything our kid asks.

[Emma]

Yes, for the most part.

[Caleb Hammer]

What? That's not good parenting?

[Emma]

No.

[Caleb Hammer]

As someone who's not a parent, that's not good parenting.

[Emma]

He gets his way a lot.

[Caleb Hammer]

That's not good parenting. As someone who is not again, a parent, which people love, but that's not good parenting objectively.

[Emma]

Yeah, we get in arguments about that a lot. About whom getting his way.

[Caleb Hammer]

Who?

[Emma]

The four year old.

[Caleb Hammer]

Arguments with the four year old.

[Emma]

No arguments with him because he.

[Brian]

I don't think he should get his way every time he wants something or, you know, this or that or some. But she'll always give it to him, let him do what he wants. And I'm very against that.

[Caleb Hammer]

Great. I love when we can't co parent.

[Emma]

No.

[Caleb Hammer]

Dictator.

[Emma]

No, I feel like I'm not.

[Brian]

We do disagree a lot on stuff like that. She always wins in that instant. Yeah.

[Caleb Hammer]

Dictator.

[Emma]

I don't. I feel like I am. I feel like I have to control everything. Yeah. Because I'm the only one that's competent enough to do it.

[Brian]

Well, no, I mean when it comes to doing stuff with the kids, I got a grip on a lot of that.

[Emma]

Okay. That's why you don't get along with the four year old.

[Brian]

I don't get along with him either.

[Caleb Hammer]

You don't get along with the 4 year old?

[Brian]

She lets him do whatever he wants, so then he thinks he can act however he wants to act and then I don't let him do it. So then he gets mad at me about it. About not letting him do whatever he wants.

[Caleb Hammer]

He's not gonna grow up.

[Emma]

Well, he will.

[Caleb Hammer]

No, he will. No, no, no, no, no, no. No kid that just gets whatever they want and can do whatever they want, no consequences ever grows Up.

[Brian]

Well, gotta have some consequences of what he does, you know?

[Caleb Hammer]

Yeah, I mean he's not learning anything. The five year old's different though.

[Emma]

He's autistic.

[Brian]

So he's.

[Caleb Hammer]

He doesn't get things.

[Emma]

No, he does.

[Brian]

No he does.

[Emma]

No, he does. He gets. He gets a bunch of stuff too.

[Caleb Hammer]

How autistic?

[Brian]

Pretty. Pretty severely.

[Emma]

He's severe.

[Caleb Hammer]

Okay. Everyone on the show is autistic kids these days.

[Emma]

No, but he's. He's not like he's non verbal. He's.

[Brian]

He can't talk.

[Caleb Hammer]

I know, it's like every guest is this.

[Emma]

Yeah. He has therapy three times a week for most of the day. Okay.

[Caleb Hammer]

Okay.

[Emma]

So he gets a lot too, but he gets a lot of that. He was excited for that trip too.

[Caleb Hammer]

So the kid gets to walk all over you too though.

[Brian]

No, I don't. I don't let him. She wants. She.

[Caleb Hammer]

But except she does so she wants

[Brian]

me to let him do that. Yeah.

[Caleb Hammer]

You know, he's just not gonna. I understand you wanting to spoil because you love, but I think that's where

[Emma]

a lot of the. At least from my end of the money comes from is for that for the kids.

[Caleb Hammer]

Oh, he is not gonna grow up. Well, he's really not.

[Emma]

I feel like he will because he knows he's loved.

[Caleb Hammer]

No, no, no. What? It is so much more than that. It is so much more than that. He'll think he can do whatever he wants in school with no consequences and there will be no consequences.

[Emma]

He's only gotten into one fight a daycare. Bro.

[Caleb Hammer]

He's four years old.

[Emma]

Only one fight so far.

[Brian]

Only one. Yeah, well that happened a while ago. But still he shouldn't be doing that.

[Caleb Hammer]

Well, that's not normal. Right?

[Emma]

He's had therapy and stuff and trying to. Because he's kind of.

[Caleb Hammer]

He's not violent, but he's parenting.

[Emma]

He does.

[Brian]

It's been a battle with the. Oh, I don't even go deciding how to do it.

[Caleb Hammer]

What paying for is this?

[Emma]

That's the PayPal one. And then.

[Caleb Hammer]

That's right.

[Brian]

Sorry.

[Caleb Hammer]

$1,500.54. Probably another 333 bucks a month. Ish. I don't know. Some are more somewhere less. You didn't even send me statements. I can't even estimate it will let

[Emma]

you do statements unless you're a merchant.

[Caleb Hammer]

This looks like Clara, right?

[Emma]

I think so. Yeah. That's corner. There's just a lot of them.

[Caleb Hammer]

Walmart, Walmart, Walmart.

[Emma]

That was all the air pods and the payment plans on that that's what I think most.

[Caleb Hammer]

Guys, I'm about ready to end it two pairs because this isn't. I can't do anything here. I really can't. I'm not going to because you guys haven't done anything like behavior wise that is going to make me end it. But like a part of me is like, guys, how much is not gonna fix it? It's the spoiling the kids. You guys have no, no reasonable dynamic in communication and good. Like your view on everything is so broken. What we do here is yes, we can correct some mindsets and yes, we can create a budget and yes, we can get you resources. Like you'll get in our master your money program. You'll get in that you'll be along with the community. You'll be able to take every single class we've ever done and ever will do. So you guys get that for free forever. That also comes with the premium version of the dollar wise app. So it's great. It's great. But again, that's not the issue. Like the AirPods and shit I'm paying for with Walmart.

[Emma]

It doesn't include the money we owe for cruises.

[Caleb Hammer]

Doesn't include anything because you guys go insane on everything. This isn't a budgeting thing. This is behavior. This is immaturity. This is. You are passing that immaturity along to your children. You guys can't communicate with each other. This is a disaster. And I've barely even touched these documents. I barely even touched these documents. This is one of the most egregious disasters I've ever seen in the almost nearly four years of doing the show. And that is rare because we film three times a week now. It used to be four, but we filmed three times a week now. And it is rare that I see something that borderline supersedes all episodes that have come before it.

[Brian]

Yeah, and it's pretty bad. That stack there.

[Caleb Hammer]

I am so excited for you guys to finally get your hands on what I've been working on for a year. The brand new dollar wise budgeting app. And listen, I get it. The first iteration was a disaster. Many reasons from working with an external agency to shit infrastructure that I could use. But let's be honest, that was on me. So I put my money where my mouth is. And after investing millions of dollars and hiring dozens of people, we've completely rebuilt dollar wise. And it is truly incredible. And to celebrate, I am giving you some insane deals to sign up for the first time or trying it again after you use the shitty version last year. But these deals only last through March 31st and then they're gone forever. Download now. Take your free trial to test it out and get the monthly plan at a 33% discount for three months.

[Colton]

Or take the annual plan for an insane 50% discount.

[Caleb Hammer]

And with the annual, you get my budget friendly cookbook signed by me.

[Colton]

And my brand new 30 day detailed

[Caleb Hammer]

budget meal plan signed by me as well. Both of them mailed directly to you. But after March 31, the cookbook is gone forever. So this is literally your last chance to get it. And if you're feeling extra sexy, become one of the founder 500 purchasers to get my founder box featuring a bunch of goodies plus lifetime access to the premium version of Dollar Wise. Don't miss this opportunity of a lifetime. Download Dollar Wise and start your free trial. Go to Dollarwise.com or click those links below. Good morning. I've been looking forward to this for the last year and a half. Once in a blue moon. A game changing paradigm shift takes the industry by storm. Financial audit has changed YouTube forever. And Dollar Wise is about to alter the future of personal finance as we know it. Ladies and gentlemen, it is my pleasure to introduce the next big thing in budgeting. What are we doing here? Guys? What are we doing here? What are we doing here? What is. What are we doing? Caleb.

[Colton]

Caleb, can you show them the new Dollarwise logo?

[Caleb Hammer]

Introducing Dollarwise reimagined Dollar Wise. Dollar wise, rewrite your money story. The old dollar wise is dead. It is egregious.

[Brian]

Yeah, it's pretty beyond.

[Caleb Hammer]

But it's you guys. And it is your mentality and it is your immaturity and your lack of parenting and your ability to say no and your lackability of being able. You won't get a better job. I. Yeah. What?

[Emma]

Nothing.

[Advertisement Voice]

Uh huh.

[Caleb Hammer]

And you got. And you steamroll him and you're a pussy and you live. You won't even get divorced from the guy. I'm trying. You're trying? You haven't even started the paperwork. Help you five years off. What are we doing?

[Colton]

What are we doing?

[Brian]

I did start my divorce.

[Caleb Hammer]

I thought a joke.

[Colton]

Huh?

[Brian]

I did get my divorce started.

[Emma]

Yeah, Cause they handed you the paperwork sign.

[Caleb Hammer]

That was eight years ago and you're still married.

[Brian]

I just got served the paper six months ago.

[Emma]

Not even six months ago. But we still already paid for the wedding.

[Caleb Hammer]

This is not an episode where a budget will change your life.

[Colton]

It's not. You guys are actually just.

[Caleb Hammer]

You guys are. Man. You guys are in Every instance of your lives, you need immense help. Couples therapists to start. That's a basic. That's a basic one. Your four year old probably doesn't need therapy. And he needs a adult parent who will parent. Yes. The five year old. The autismo one. Yes. We love that. Good for them. Therapy it up.

[Colton]

The four year old, really?

[Brian]

Nah, I don't think so.

[Caleb Hammer]

You just gotta be a fucking mother. And mother's more than just love. And you gotta let his dad be a dad.

[Emma]

Yeah.

[Caleb Hammer]

Including his new daddy. Okay, old Klarna. $729 in four cents. Did you guys guess what your debt was earlier?

[Brian]

I think it's 30.

[Caleb Hammer]

Say. Okay, 30.

[Brian]

I think including the car loan, I think it's 30.

[Caleb Hammer]

Surprisingly, it is just $24,720, which, I mean, just. That is still substantial because it's all bad debt. There's not one good debt there. But it's paid for, paying for, paying for, paying for, paying for, paying for, paying for, paying for, paying for, paying for, paying for, paying for. It's is. It's ruined. It's ruined. Guys, guys, guys, guys. I mean, income. You couldn't even fucking say.

[Brian]

I think I make like four grand a month. I think 4,500, I think. I don't know.

[Caleb Hammer]

You know, Colton. Okay. Oh, that's what he put. Oh,

[Emma]

he gets about 800 every Friday.

[Caleb Hammer]

You both make about four, it looks like. Yeah, it's like 8,000. I don't mind.

[Emma]

I have to pay the insurance on the kids and stuff like that. And then I'm talking about back into the farm.

[Caleb Hammer]

I'm talking about nats, I'm talking about nuts. And I don't know if it was a triple. Wait, your wedding's in September. How's that even possible?

[Brian]

27.

[Caleb Hammer]

27, 27. Thank. But even still, you gotta get your shit on the cruise ship. But guys. Okay, so 8,000 came in. Maybe if we. Maybe it's a three paycheck month. I don't know what's normal. What was your outflow last month?

[Brian]

Just guess that we spent.

[Caleb Hammer]

Outflow. That's a part of it. Yes, that's the majority of outflow.

[Brian]

But yeah, we probably spent 2,500. Yeah, about maybe three grand. If it's more than that, I'll ship myself.

[Caleb Hammer]

Well, prepare the toilet paper. It was 24,000. Nope, it was $19,054.86 that we spent last month. Most of it was spending some if it was interest accruing, but that was your total outflow.

[Brian]

So it's including interest though.

[Caleb Hammer]

Yeah, but the vast majority of spending.

[Brian]

How the do we even spend that much in one month?

[Caleb Hammer]

Because everything's debt. That's what you tell them.

[Emma]

You tell them the four and four payments? Yeah, I tell them it's all four and four payments. That's all what it occurs down to. And then I maybe sometimes can pay a credit card off from all the credit card debt.

[Caleb Hammer]

You know, I have a lot. Why don't you. Why did you engage with the financial conversations in the household?

[Emma]

He doesn't.

[Brian]

I need two more.

[Caleb Hammer]

I'm asking him why.

[Brian]

I just haven't. I don't exactly know why.

[Caleb Hammer]

Why haven't you? Come on, try to have some kind of level of self assessment.

[Brian]

Probably because in my head I just tell myself it's fine, I'm going to pay it off later. And I just don't think about it and I just swipe the card and buy the bullshit. And that's just what I think it is.

[Caleb Hammer]

I'll assume your klarna is like 150 bucks a month. I don't know.

[Emma]

Okay.

[Caleb Hammer]

We got afterpay. You're collecting them all?

[Emma]

I do that for the groceries on Walmart when we don't have enough in the bank account to pay for it.

[Caleb Hammer]

That's great. That's great. You know, maybe you don't spend $800 on Walmart on Klarna for fucking AirPods if you can't afford groceries.

[Brian]

That was me. I did not.

[Caleb Hammer]

$50 a month probably. I don't know, man. It's gonna be impossible to tell exactly what your minimum month is. Are. What is this milestone?

[Emma]

That's $1,000 credit card.

[Brian]

And I think the interest on the.

[Emma]

I think it's all the way up.

[Brian]

I think the interest is like 20% or 25%.

[Emma]

28.

[Caleb Hammer]

Is that concerning?

[Brian]

Yeah, I'd say it's concerning.

[Colton]

Why the did you purchase McDonald's on

[Caleb Hammer]

it twice and Venmo out from this

[Emma]

credit card I was paying for.

[Caleb Hammer]

You Venmoed on the credit card. If you couldn't afford daycare, why are you getting McDonald's?

[Colton]

Hmm?

[Caleb Hammer]

Please, please inform me why that's acceptable in any way whatsoever. Please. If we're paying for in groceries, why are we getting McDonald's which is not a cheap place anymore by the way.

[Brian]

No, it's not really.

[Caleb Hammer]

Then why the are you getting if you know that Just easy. It was you easy. What the are we doing, guys?

[Brian]

That's probably me when I was on the phone.

[Caleb Hammer]

This is embarrassing. It's infuriating. You are parents. This is not acceptable. I'll just be honest. It's this far from acceptable.

[Brian]

Yeah, we definitely need help with it.

[Colton]

Help. Help.

[Caleb Hammer]

Here's your help.

[Colton]

Don't get McDonald's.

[Caleb Hammer]

You. Congratulations. Are you helped.

[Colton]

You already know that.

[Caleb Hammer]

$978.48. Three years to pay off minimum monthly payment. $89. So basically maxed out interest fees. What are the fees for? Let's find out. What the are the fees. Probably it's a late fee. It's a late fee.

[Emma]

A lot of them have late fees

[Caleb Hammer]

and credit protective fees. Why are we not paying on time? Why are we not paying our time? Oh, here's a better question. Why are we getting McDonald's if we're not paying on time?

[Emma]

Because the four and four payments make it so that we can't make other payments.

[Caleb Hammer]

That didn't answer why you ended up getting McDonald's, though. Well, please answer that part of the question, if you may.

[Emma]

It's easier than trying to cook.

[Caleb Hammer]

It's easy. Is it really easy? Because now you're. Is this easy? This is easy, guys. Is this easier? Are we having an easy thing right now? Is this easy? Basically all easy then it's not easy. You.

[Brian]

It's. All of our physical cash goes to paying off the foreign force is what the. You know what. So all the money we get in cash every month we have to put into paying off the foreign force. So we have no cash. That's why we use the credit cards.

[Caleb Hammer]

You are getting McDonald's. I'm not even complaining about the using paying for. You're using it for AirPods and McDonald's and Amazon trinkets. Dumbasses. Dumbasses.

[Brian]

Yeah, it was pretty stupid doing all that was.

[Caleb Hammer]

You are shut the up. You are in will. It's one of the least confident I've had in a conversation about what life looks like from here. You get steamrolled and you don't give a f. No.

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[Caleb Hammer]

I don't.

[Emma]

I'm over it. So I mean, if you want to say I don't give a F and

[Caleb Hammer]

I don't give a F or a mother of four. It's unacceptable. It's inexcusable. It is disgusting, and it is pathetic. My opinion. You just said you don't give a. If you say you don't give a but you are a mother. That is disgusting and unacceptable.

[Emma]

That's your opinion.

[Caleb Hammer]

How is it my opinion? If you said you don't give a but you are a parent, how is that just an opinion?

[Emma]

I don't think they're getting taken care of.

[Caleb Hammer]

First of all, they're getting fed fast food. Second of all, they're getting taken care of is AirPods and Trips. That's not being taken care of. One isn't being parented. I'm sure the two coming up won't be as well. They're being taken care of now. That dude's gonna get suspended every second of his life in school and face no consequence, probably. So he's being taken care of. You disgust me.

[Emma]

You disgust me. It's fine.

[Caleb Hammer]

How do I disgust you? Please define.

[Emma]

I'm good.

[Caleb Hammer]

Okay, then that's just a. I'm rubber, you're glue. Everything you say to me sticks back to you or whatever.

[Emma]

That's how you want to take it.

[Brian]

Sure.

[Caleb Hammer]

That's the only way you're able to respond to things. You have no argument is how. How do I discuss you? I might have some coffee broth. I would. I would accept that. Maybe I got a zit or two. I'm a little fat. It's not the greatest. Especially, you know, if I'm on top. You know, I can see why people would find that a little disgusting here and there. So I pillow princess myself when needed, but other than that. And I. I mean, I. I washed my asshole this morning like I do every morning.

[Brian]

By the way.

[Caleb Hammer]

I want to clarify. I'm not really. Where's my disgusting? Where's my disgusting? I budget. I take care of my girlfriend. I take care of the house. My dogs who are not children, so they actually don't deserve as much as humans, but they get spoiled and given more than pretty much any dogs in the history of the world with their own personal walkers. And so for chauffeurs and getting groomed and bathed every two weeks by someone that pulls up. I take care of. I pay people's wages. I build a company. I'm disgusting. You choose not to raise your kid and you're okay with them getting suspended? You're okay with getting them AirPods instead of food because you have to Pay in for your groceries. Pathetic.

[Emma]

All right, I'm fucking over it. You this. I'm over it.

[Caleb Hammer]

Oh, look at those pants. Those are normal. That's what human adults wear. Well, hopefully she's able to reflect on that. I'm sure I went a little harder than I needed to, but hopefully she's able to reflect on it. The fact that she said she doesn't give a fuck that they will be suspended because she refuses to parent them is pathetic.

[Brian]

Yeah, no, they need to be parented. I. I agree on that one.

[Caleb Hammer]

What's happening out there, Wes? Are they fighting? I was, like, hearing voices. What are they doing? Just she seems like she's venting. Oh, she's venting to Lindsay. I'm actually. Personal accountability is the struggle for many people.

[Brian]

Should I go out there? Should I stay in here?

[Caleb Hammer]

That is pretty loud, isn't it?

[Brian]

Yeah.

[Caleb Hammer]

Interesting. Something's happening outside of our door, folks. You can stay here. Why are there late fees?

[Brian]

Sorry?

[Caleb Hammer]

Why are there late fees?

[Brian]

That's on the milestone card. That's just like I was saying, like the whole not having the cash to make the payment. There's just so many.

[Caleb Hammer]

What? What? What? No editors know.

[Brian]

I was just wondering if that was like, something discussed or something. I just didn't have context.

[Caleb Hammer]

No, I don't know what's going on out there. No, no, it's okay. We'll continue having the conversation. Very weird one. The vibes are questionable. I don't know what's happening outside of this room. She gonna be back for the post show? Will she be able to calm down? You know her.

[Brian]

Yeah, I think she'll definitely calm down. Just give her a few minutes. She just got a little worked up with her anxiety probably and just couldn't handle it.

[Caleb Hammer]

Couldn't kick you enough?

[Brian]

No, she definitely kicked me enough.

[Caleb Hammer]

Okay. Merrick Bank. What's going on? This is another credit card.

[Brian]

That's one that she uses for a lot of miscellaneous shit, I think food and, like, gas.

[Caleb Hammer]

Now that she's not here, you're throwing it on her.

[Brian]

Well, that one in particular, yeah. A lot of the Cecil.

[Caleb Hammer]

Brave of you.

[Brian]

A lot of the Cecil shits me with that card. Mostly that's her.

[Caleb Hammer]

Okay, so, Merrick, we're sitting at $905.73.

[Colton]

No, we're not. It went up.

[Caleb Hammer]

What the is wrong with you? $956.61. That's the balance and a minimum monthly payment of it's past due, $96. What? What the are we doing, dude? $96 is your minimum. Just what even is it even is happening here? Late fee. You just had late fees up the butt. I. Dude, I'm so confused. Capital one. What's going on with this?

[Brian]

That's just another one of her credit cards. I don't really know what we use that one for.230.

[Caleb Hammer]

You don't even know anything, so I shouldn't even be doing this with you. $25.

[Colton]

Past due. It's the third one. We've had three credit cards so far. This is past due. They're all past due.

[Caleb Hammer]

Dude, what is happening here? This is absolutely an absolute joke.

[Colton]

Oh, she opened that one for you

[Caleb Hammer]

in the last year.

[Colton]

For you.

[Caleb Hammer]

Colton is saying she told Colton that. Because now Colton has to speak for her because she ran away. Waddled.

[Brian]

That one was for me?

[Caleb Hammer]

Yes, that's what she said. Wait, all of them? Wait, what do you mean? Colton? Here, say this. Say here. What are you saying? Colton will speak for her because.

[Brian]

Hello.

[Caleb Hammer]

She told me all of these credit

[Brian]

cards she had opened recently for you because of your spending habits. Oh, Jesus Christ. I didn't know that.

[Emma]

What?

[Caleb Hammer]

You don't even know that? What? Is that what was said she had said? Let's see. She said I had to open all of these within the last year.

[Brian]

She needed more credit in order to

[Caleb Hammer]

keep up with the spending.

[Brian]

And groceries. The spending is out of hand.

[Caleb Hammer]

So she pulled out of a 401 for you. And then she opens all these, she says for you. We know her spending's out of control and things don't make sense, but what the.

[Brian]

Well, I didn't know that part about all these cards. I didn't know that's why she opened them. I was on the call, but.

[Caleb Hammer]

You were on the call, asshole. And you were homophobic towards this man.

[Brian]

Well, I wasn't homophobic towards him.

[Caleb Hammer]

He is a beautiful man. Thank you.

[Brian]

Yeah, I say so.

[Caleb Hammer]

And he has a gay fiance. And guess what? None of them have any gay ex husbands they're currently married to. Not currently. And they don't live with their k. Ex husbands. Okay, Colton, listen. I mean, we're gonna go into the show in a few minutes. But the thing is. What the. There is so much to go through here. What were you. What is the dynamic of this relationship that you were packing up? Cause I just like. That's what needs to be fixed.

[Emma]

This.

[Caleb Hammer]

None of these finances are even worth even touching until they deal with their dynamic in this relationship. Or what were you picking up with the. How many hours did you talk to them even.

[Brian]

We did about an hour and a half.

[Caleb Hammer]

Yeah, just an hour and a half to two hours. Really? That's much less than normal. What did you pick up? This was actually quicker. I have a feeling that there's something going on with this ex husband in them. Something in the past maybe that ties them more together than we think. Okay, well that just sounds like more drama. So we'll talk about that in the. In the post show. I'll stick to the finances for now. Okay. Okay Colton, well we can send you back to your chair. I don't know dude. You got credit one now? I mean that's like 100 bucks. Cherry. I don't even know what cherry is. 755 bucks I think that was.

[Brian]

I had a tooth pulled out. That's what I think that was math. Oh no. I.

[Caleb Hammer]

17% interest rate for this one of just a multi hundred dollar balance. What is this? Chase checking 174. Chase savings 25. There's more debt coming. But this is a checking account for now. Amazon selling out money withdrawing 2000.

[Colton]

Zelle withdraw 855. Who knows where the fuck went.

[Caleb Hammer]

Amazon Marketplace return fee Zelle and then Snap Finance. Why do you have Snap? Isn't Snap Tools?

[Brian]

No, that's Snap on Snap is like a leased own kind of thing.

[Caleb Hammer]

For what?

[Brian]

So I paid to have a new radio put in my car. New touchscreen radio.

[Caleb Hammer]

A touchscreen radio. Wow. It's the touchscreen version of a 1920s technology.

[Brian]

Yeah, I agree. Radio carplay radio in my car.

[Caleb Hammer]

Well, carplay's good but can't you just plug it in?

[Brian]

Yeah, I mean I could have and then one had the.

[Colton]

What kind of car do you have?

[Brian]

2014 Tucson.

[Colton]

Tucson?

[Brian]

Yeah. Hyundai Tucson.

[Caleb Hammer]

And you're investing into it?

[Brian]

Yeah. Yeah. Well it's got a brand new engine too. So.

[Caleb Hammer]

Into a 2014 Tucson?

[Emma]

Yeah.

[Caleb Hammer]

Is this a nice car?

[Brian]

Well, it's the ls.

[Caleb Hammer]

I'm getting head shakes.

[Brian]

The mid grade one. Leather seats with ass warmers and all that. It's a mid sized SUV or compact suv.

[Caleb Hammer]

Why are you investing into it?

[Brian]

Because I own it outright. So I just want to put some money into it.

[Caleb Hammer]

But don't you have debt?

[Brian]

A little too much debt. Yeah. So I mean it was a stupid decision to do that.

[Caleb Hammer]

It was a stupid decision to do that. The radio specifically engine was. Maybe it was necessary. Oh for sake, dude. What are you guys.

[Colton]

Ooh.

[Caleb Hammer]

One pay. We got a credit builder, we got an autosave with 100 bucks and then. Well it's gonna go, oh, okay.

[Emma]

Walmart.

[Caleb Hammer]

Disney Solitaire. That has to be like an in app. That's her. She's in apping.

[Brian]

Yeah.

[Caleb Hammer]

One more. Apple bill. Old Town vending machine. Taco bell. Apple. Apple. McDonald's. Apple Bell. Apple.

[Colton]

Apple. Bullshit.

[Caleb Hammer]

Bullshit. Apple.

[Colton]

Apple. Bullshit. Bullshit. Venmo. Bullshit. McDonald's.

[Caleb Hammer]

Tequila Grill. Taco Bell. Yeah, and. But it's okay that our kids aren't being parented, bro. Bullshit. Bullshit, bullshit. McDonald's. Venmo. Apple bill. Bullshit. Bullshit. Apple bill. Ha ha. Carl's Jr. Apple bill. Bullshit. Bullshit. Bullshit. PlayStation Network. Bullshit.

[Colton]

Bullshit. Bullshit.

[Caleb Hammer]

The reason I know it's bullshit is cause the groceries are done on that. Paying for

[Colton]

Fortnite. Paying nine bucks in Fortnite when we

[Caleb Hammer]

can't put food on the table with our own money. Bullshit, bullshit, bullshit.

[Colton]

McDonald's. Bullshit, bullshit. Bullshit. McDonald's.

[Caleb Hammer]

Bullshit.

[Colton]

Bullshit.

[Caleb Hammer]

Wendy's, Walmart. Which is bullshit because it's not on the paying for grocery statement.

[Colton]

Bullshit.

[Caleb Hammer]

Apple bill. Vending machine. Apple Bill.

[Colton]

Bullshit. Bullshit.

[Caleb Hammer]

And we're trying to give our people a better life. No. Look at this spending. This is a joke. This is a pathetic fucking joke. I'm embarrassed. I am embarrassed. What a. This is horrendous. Disgusting. Disgusting. Disgusting. 100 bucks into that savings account. Well done. We made it. Ladies and gentlemen, any balance, zero dollars on this. Whose checking account is this?

[Brian]

Which one is that?

[Caleb Hammer]

Golden.

[Brian]

That's hers.

[Colton]

Hers and the eggs.

[Brian]

Oh, they share. They have a. Yeah, a joint account.

[Colton]

Why did she have a joint with the ex?

[Caleb Hammer]

Why does she have a joint with the ax?

[Colton]

What? Did you have a joint with the ex? Because this is money. Can end it with zero dollars. And it's like it's Disney. PayPal. PayPal.

[Caleb Hammer]

McDonald's.

[Colton]

AMC, Amazon, Bangu Inc. Banger Inc. Amazon, Taco Bell. Disney Solitaire Theater. Solitaire. Disney Solitary Camp. People, quick quack. Quick quack. Venmo. Quick quack. McDonald's. Big Boss Cafe. Big Boss Cafe.

[Caleb Hammer]

Amazon McDonald's.

[Colton]

Disney solo.

[Caleb Hammer]

True Life Center. True Life Center. True Life Center. Bullshit. Bullshit. Taco Bellship cameo. A $55 cameo.

[Brian]

I got no idea about that one.

[Caleb Hammer]

I'll be bought her for her ex. Sounds Premium.

[Colton]

Oh, McDonald's. Bullshit. PayPal.

[Caleb Hammer]

It doesn't stop. PayPal. Bullshit.

[Colton]

Quick quack. McDonald's. Bullshit.

[Caleb Hammer]

Disney. Disney Solitaire in app again. Well, draw. Who knows where the where Chuck membership. Taco Bell. Bullshit. Pick and pull. Pick and pull. Bullshit. Bullshit. McDonald's. It doesn't.

[Colton]

Oh, it doesn't. There's four more. Oh, there's five more. There's five more pages in this statement.

[Caleb Hammer]

How do you feel? This is with her ex. This is with her ex that she is currently married to.

[Colton]

Seven more pages. Seven more pages.

[Caleb Hammer]

Seven.

[Colton]

Eight more pages. Eight more pages of bullshit. Eight more pages of bullshit. 8 more pages. 9 more pages of Falsett. 9 more pages and 10 more pages. 10 more pages of bullshit spending. 10 more pages of bullshit Spending. 10 more. 11 more pages of bullshit spending. What is this? It's one bullshit and it's a bullshit. What are you doing? This is with her a. Pathetic. Why? How does this make you feel?

[Brian]

I'm beyond. That's pretty much how I feel about that.

[Colton]

And that's the summary of this episode.

[Caleb Hammer]

Couples therapy. I will pay for your first two sessions. That is a start at a minimum. Get your divorces done and then I will sit you down with Reed, our personal accountant and all the shit that helps with people because this is too much. But you have to deal with the relationship first and then the finances. He will make you a budget. He will help you deal with all this stuff and talk strategy. That is not this conversation because that is obviously we are beyond far from there unless it's be truthful. That is the honest situation and assessment. This is. This is ridiculous. In combining with the ex husband crazy. We'll get more into the situation I guess how their past are completely combined and it's all we'll see if we can check on her and if if, if if if we can get her back on. But she seemed pretty pissed. Well, we're gonna call the ex husband. We're gonna call the ex husband. Get your Hammer financial score. Click that join button. Join us for the post show and Hammer Elite three premium shows posted every single day six days a week. It is incredible. Old best membership and number one I need to do YouTube furries and I'll see in the posture I'm gonna die. So what the with this X we

[Emma]

were originally you2 and the ax. Yeah.

[Caleb Hammer]

Is this guy a Yeah, I guess so. Oh, don't forget to download the new dollar wise budgeting app. This is officially now the best budgeting app on the market. And I'm giving you a special special deal to download but only through March 31st. Take a free three day trial to test it out and then you get

[Colton]

the monthly plan at a 33 discount

[Caleb Hammer]

for the first three months or the annual plan at an insane 50 discount. And with the annual you get my budget friendly cookbook and my brand new 30 day detailed budget meal plan signed by me and meal directly to you. After March 31st, the cookbook is going away forever. So this is literally your last chance. Don't miss the opportunity of a lifetime. Download Dollar Wise to start your free trial, go to Dollarwise.com or click the link link below. Close your eyes, exhale, feel your body relax and let go of whatever you're carrying today.

[Advertisement Voice]

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[Emma]

And breathe.

[Brian]

Oh, sorry.

[Advertisement Voice]

I almost couldn't breathe when I saw the discount they gave me on my first order. Oh, sorry. Namaste.

[Caleb Hammer]

Visit 1-800-contacts.com today to save on your first order.

[Emma]

1-800-contacts.