This Has Never Happened Before | Financial Audit

Summary

Financial Audit Podcast – "This Has Never Happened Before" (April 29, 2026)

Host: Caleb Hammer
Guests: Kimberly (26, Medical Assistant), Hudson (25, Steel Factory Worker)
Location: South Bend, Indiana (Guests); Austin, Texas (Recording)

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Episode Overview

This explosive, emotionally charged episode features a young, engaged couple, Kimberly and Hudson, whose finances and relationship are under extreme strain. Host Caleb Hammer provides a signature blunt, uncompromising financial audit, challenging their choices, communication, and readiness for marriage. The episode’s high conflict—marked by threats of ending the relationship, financial revelations, and a parade of excuses—serves as a powerful case study in poor money management, lack of partnership, and how unresolved personal dynamics can sabotage financial goals.

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Key Discussion Points & Insights

1. Background: Income and Living Situation

• Kimberly:
  • Medical assistant, $18.36/hour, ~$2,100/month net pay.
  • Lives with Hudson and their two kids in a single cramped room at his mom's house.
• Hudson:
  • Steel factory worker, $21.25/hour, ~$2,800/month net pay (after initial confusion about take-home).
• Total Household Income:
  • ~$4,900 monthly net.
• Expenses:
  • Rent to Hudson's mom ($500), car payment, insurance, lots of fast food and small purchases.

2. Debt, Collections, and (Lack of) Payments

• Kimberly:
  • Credit card debts (making minimum payments); claims discipline in paying bills.
• Hudson:
  • Multiple credit cards in collections (Apple Card, Discover, Macy's, Best Buy, Verizon, etc.).
  • Hasn’t made payments in years on some cards; balance keeps growing with fees.
  • Collections agencies have begun contacting him.
  • “I just stopped paying” –– (Hudson, 13:01).
• Wedding Expenses:
  • Kimberly is paying for everything; Hudson promises to “pay her back” someday.

3. Ultimatums, Marriage, and Trust Issues

• Kimberly:
  • Gave Hudson a one-week ultimatum to show change or she may call off the wedding.
  • Feels like a “single parent”; wants more communication and effort.
  • “I'm not gonna marry somebody…who can't even pay their $100 a month thing.” (Kimberly, 07:09)
• Hudson:
  • Insists Kimberly is “bluffing” about leaving; believes their issues are exaggerated.
  • Not contributing to wedding costs; fixated on getting a Mustang before resolving debts.

4. Spending Habits and Financial Disconnect

• Frequent Eating Out:
  • Over $1,000/month on restaurant and fast food (Subway, Raising Cane’s, Texas Roadhouse, etc.).
• Other Purchases:
  • Target, Amazon, nail salons, kids’ clothes/toys, trinkets; “bullshit” spending cited by Caleb.
  • Both accuse each other of frivolous or unnecessary spending.
• Budgeting Attempts:
  • Failed several times; never truly combined finances or tracked all spending.
  • “We’ve tried budgeting a hundred million times…” (Kimberly, 25:38)

5. Communication, Secrecy, and Resentment

• Kimberly is transparent about her finances; Hudson keeps his private, gives vague answers when asked.
• Arguments recur around paying for daily needs, children, and the wedding.
• “You’ll just be like, oh, I have a $200 overdraft protection, so I'll just go $200 in the negative.” (Kimberly, 21:07)
• Host points out that neither is blameless:
  • “You're kind of manipulative in how you speak… The things that you were saying about him... was in your phone.” (Caleb, 55:51)

6. Relationship Dynamics & Gender Roles

• Kimberly: “I just believe that the man of the relationship should be able to…”
• Host challenges both for inconsistent expectations and double standards regarding finances, responsibility, and traditional roles.
• Both feel the other is controlling or uncommunicative; accusations of “micromanaging” fly both ways.

7. Major Financial Mistakes Observed

• Huge spending mismatch to income; both ignoring debts or paying only the minimum.
• Using tax refunds and available cash for fun/unnecessary purchases instead of reducing debts or improving their living situation.
• “Household financial score”: 0.5 out of 10. “One of the easiest situations to fix, if you just stopped spending and made basic sacrifices.” (Caleb, 94:07)

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Notable Quotes & Memorable Moments

• [01:09] Kimberly (on the wedding):
  “It's not even just the debt that's making me want to call it off. I'm also the only one paying for it.”
• [08:26] Kimberly (on responsibility):
  “He hasn't put a single penny towards our wedding.”
• [14:39] Hudson (on priorities):
  “I'll help pay back for the wedding, but only after I get my dream car.”
• [25:04] Kimberly (on day-to-day money):
  “Whenever you need money… when you can’t afford to get lunch, when you’re at work, you’re like, can you send me money for Chipotle?”
• [29:26] Caleb (revealing private conversation):
  “Bro. She literally told us in private, without you, that she's thinking of moving out without you to motivate you to get your shit together.”
• [54:01] Caleb (on payments vs. lifestyle):
  “So it was $1,067, which is what you guys spent going out to eat last month. So what the fuck are we talking about not making a $150 payment? That's a choice. That's not being responsible. That is not being good parents.”
• [59:03] Caleb (on ultimatums):
  “Ultimatums don’t work if you don’t ever follow through with them.”
• [94:07] Caleb (on fixing their situation):
  “You guys are totally able to get out of this… This is one of the easiest situations I've ever seen in my life… just requires a little bit of budgeting, a little bit of sacrifice, and actually combining your shit and getting on the same page and communicating. Maybe go to couples therapy. So easy.”

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Relationship & Household Dynamics

Communication & Transparency

• Kimberly is open, but resentful; Hudson is secretive, defensive.
• Both engage in cycles of blame and avoidance—rarely facing hard realities together.

Parenting & Chores

• Kimberly sees herself as “the single parent.”
• Hudson often disengages, focusing on video games and personal interests after work.
• Arguments about fairness of household labor, emotional load, and time spent with kids.

Spending Justifications

• Both repeatedly justify personal and joint splurges with circular logic and rationalization.
• Host exposes contradictions: each accuses the other, but both demonstrably overspend.

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Timestamps for Important Segments

• 01:09 – 08:26: Ultimatum about the wedding, core relationship complaints emerge.
• 13:01 – 16:00: Unpaid debts, collection notices, excuses; dream car fixation.
• 21:07 – 25:20: Heated argument about shared finances, overdrafts, daily spending.
• 29:26 – 30:28: Kimberly’s private threat to leave revealed on air.
• 54:01 – 57:23: Detailed breakdown of their wasteful monthly spending.
• 59:03 – 60:16: Discussion on the futility of repeated ultimatums.
• 66:54 – 68:14: Major debt revelations; Kimberly discovers hidden debts.
• 74:08 – 76:50: Discussion of bad credit cards, persistent maxed-out balances.
• 94:07 – 95:29: Host summarizes the path forward, offers solutions, gives financial score.

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Conclusion & Takeaway Lessons

• Both Kimberly and Hudson are financially reckless, with no clear partnership or trust.
• Their debt is entirely fixable with income, but poor budgeting and constant mutual undermining keep them stuck.
• Host prescribes radical transparency, slashing discretionary spending, a unified budget, and possibly couples therapy.
• Wedding and moving out should be tabled until behavior and teamwork improve.

“You can love someone and know they're not the best for you and your kids for the rest of your life… I think you are a little bit of a manipulator and you… also the problem. And you do kind of treat him like a child…”
—Caleb Hammer [59:22]

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Final Household Score

• Hammer Financial Score: 0.5 out of 10
• Host’s Judgment:
  • “One of the easiest situations I’ve ever seen to fix, if you just stopped spending and made basic sacrifices.”
  • Calls for urgent change in both attitude and action before taking any further steps as a couple.

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Useful for Listeners:

• Cautionary example of what NOT to do when blending finances, parenting, or planning marriage.
• Highlights importance of transparency, sacrifice, teamwork, and clear boundaries in both money and relationships.

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For a more detailed breakdown or to assess your own financial health, Caleb recommends taking his free assessment at calebhammer.com.

Transcript

[Caleb Hammer]

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[Kimberly]

It's not even just the debt that's making me want to call it off. I'm also the only one paying for it.

[Caleb Hammer]

Bro. She literally told us in private without you that she's thinking of moving out.

[Kimberly]

I'm exhausted every day. Is that what we're going to do when we go back home? Do you want me to pack up and go?

[Caleb Hammer]

May have you because if that's what

[Kimberly]

I need to do, I will.

[Caleb Hammer]

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[Kimberly]

Hey, this is Kimberly. I'm 26.

[Hudson]

I am Hudson, I'm 25. We're in South Bend, Indiana and this is Financial Audit.

[Caleb Hammer]

Thanks for coming down guys. An hour from my hometown of Kalamazoo, Michigan. Nice to bring you all down to Austin, Texas. Kimberly, what do you do for a living?

[Kimberly]

I am a medical assistant.

[Caleb Hammer]

Sure, what do you make?

[Kimberly]

I am making 1836 an hour, I think I take home monthly, about 21.

[Caleb Hammer]

Little fun factor, everyone. Indiana, not expensive. So that's actually potentially okay. Say you take home one more time for me.

[Kimberly]

Roughly 21amonth. A month? Yeah. I get paid every two weeks.

[Caleb Hammer]

Hudson, what do you do?

[Hudson]

I work at a steel factory.

[Caleb Hammer]

Sure. There's northern Indiana for you, if you've ever heard of. Gary, Indiana. That stinky shitty place on the lake? That's where they make shit.

[Hudson]

It's horrible.

[Caleb Hammer]

Okay. I mean, you kind of look like it.

[Hudson]

I fit in. I fit into the group.

[Caleb Hammer]

You really do. What's kind of. What the. Is that hairstyle?

[Hudson]

It's. You don't need one.

[Caleb Hammer]

Can you lift it up? That's not what I was talking about.

[Hudson]

This.

[Caleb Hammer]

Okay, it's bad, you know, it looks like it's receding more with your weird thing down the middle.

[Hudson]

It's supposed to be here, but.

[Caleb Hammer]

Okay, it's bad that everyone in the

[Hudson]

steel plant, the hard hat, you don't see it, so it works out.

[Caleb Hammer]

What do you make? Steel.

[Hudson]

I'm at 21. 25.

[Caleb Hammer]

Sure. What's your take home?

[Hudson]

Take home, it's about 2,200.

[Caleb Hammer]

It only brings in an extra hundred.

[Kimberly]

No, that is not. You're making more. You're close to seven.

[Caleb Hammer]

Why does she know and you don't?

[Hudson]

Yeah, I know. It's like 700 a week take home,

[Kimberly]

so times four, which is 28.

[Hudson]

28.

[Caleb Hammer]

And that's why he hits metal for a living. Okay, well. Okay, now you combine that and you live in South Bend. That ain't half bad. But here's the thing. I have written right to my left. If he doesn't get his finances fixed immediately, there's no wedding. Which I assume is coming from you. If you're saying him, absolutely. So what is going on? I wouldn't get married to someone who's shitty with finances either. But what is going on?

[Kimberly]

I just. So when we got together, he had the debt. It wasn't nearly as bad, anything like that, but I was aware he had some.

[Caleb Hammer]

I had some. When was that?

[Kimberly]

20, 23.

[Caleb Hammer]

Okay, okay. Only barely. Just three years ago, potentially. We were in a situation where you were coming in with debt, but not this bad. And this is bad. It's a lot of paperwork. Go on.

[Kimberly]

And for a while we were paying our debt every month. He was doing his, I was doing mine. We were kind of just doing our thing. And then we had some things happen that made it where I no longer Had a job.

[Caleb Hammer]

And. And some things happen.

[Hudson]

Did you do.

[Caleb Hammer]

Did you lay it off?

[Kimberly]

My son got cancer. Yeah.

[Caleb Hammer]

Rip.

[Kimberly]

No.

[Caleb Hammer]

Okay.

[Kimberly]

No. All this while in remission. We're good. Yes.

[Caleb Hammer]

Wonderful.

[Hudson]

No.

[Kimberly]

Rip.

[Caleb Hammer]

Okay. Starting to look like a cancer patient. So they pass to you.

[Hudson]

Yep.

[Kimberly]

Wow. So anyway, so I.

[Caleb Hammer]

Time to shave.

[Kimberly]

I quit my job so I could take him to the hospital. I could be there for him. He kind of took over the financial responsibility for me and my son a month into meeting each other.

[Caleb Hammer]

Oh. Why? Well, did you request this or did he just naturally do this?

[Kimberly]

He just naturally stepped up.

[Caleb Hammer]

And how did you feel about that?

[Kimberly]

It was interesting. Cause his. My son's dad is not that kind of guy, so having someone step up that barely knew us was just crazy. It was good. It was a good feeling, but it was intimidating as well. Cause I'm like, you know, I don't. We don't know each other, you know.

[Caleb Hammer]

Yeah. I don't know. I wouldn't necessarily allow it. I know there was a lot happening, but. Okay. But that already happened.

[Kimberly]

Yep. So. So then he took over we. For about a year. I didn't have a job. We were going through that. Once he was done with everything with his cancer, I. I went back to work right away.

[Caleb Hammer]

Yeah. This is a lot of backstory for. If you do not get your finances fixed, I'm not marrying you in like a. What? Well, it was like a week or something. I saw.

[Hudson]

No.

[Kimberly]

Yeah. So. Okay. So anyway, so then all of a

[Caleb Hammer]

sudden, I'm giving him one week to fix his finances. So there's no wedding is what was said in the pre interview. So what the. Like, I'm sorry, cancer?

[Kimberly]

No.

[Caleb Hammer]

Yeah, cancer's not good. So basically, I'm sorry, but what's happening now?

[Kimberly]

He's just not doing it. Like, he racked up all that debt from taking care of us and then just gave up. Like. I don't know. He just, like, stopped paying his stuff and just racked up and.

[Caleb Hammer]

Why are you giving up?

[Hudson]

I'm covering all the other expenses right now.

[Caleb Hammer]

What other expenses? You're giving up like Notre Dame did with the college football Bulls paying for

[Hudson]

all or just like your team eating all the time and then every time we go out to the mall, University park, buying stuff all the time, and then every time we go out on

[Caleb Hammer]

the mall, you're giving up on paying your debt? Okay, she's giving you a week or the marriage is off.

[Kimberly]

Yeah, I don't.

[Caleb Hammer]

Well, so you're getting kicked over the

[Hudson]

mall like a teenage Girl, the wedding ain't off. She's lying.

[Kimberly]

No, I'm not gonna. I'm not gonna marry somebody and commit my life to somebody who's. Can't even pay their $100 a month thing. And then what? We get married and we have all this debt from the wedding and we move into a house and you don't pay that? Like, we have two children. Yeah, but we can't just. You can't just forget about all this stuff because, like, that doesn't make any sense. I'm not doing that. I'm not putting myself and my children in a situation how's. Not nearly as. Not as good bad as yours.

[Hudson]

Yeah, she always does this. She goes in the rabbit hole about how I'm bad, but she's over here buying stuff left and right.

[Caleb Hammer]

Are you?

[Kimberly]

No, I don't think.

[Caleb Hammer]

I wouldn't say I'm less than you are, but if you're the one giving the ultimatum. But he's saying you're kind of the same.

[Kimberly]

Okay, look at your debt number and look at my debt number. Mine is very easily fixable. I just have to commit to it.

[Caleb Hammer]

Yours is like, then why didn't you fix it? Wouldn't that be exactly what you would do if it was so easy to fix? You're the one putting the ultimatum. Meaning he's the one that is completely up. If you're also doing bad. Is there an ultimatum to give necessarily? Maybe that's why he thinks you're bluffing. Are you bluffing?

[Kimberly]

I'm also. So it's not even just the debt that's making me want to call it off. I'm also the only one paying for it. He hasn't put a single penny towards our wedding.

[Caleb Hammer]

Okay, well, you're making me owe to the wedding.

[Kimberly]

Yeah. Like, not a penny. So it's like I'm paying for it all. And you also have to back to the.

[Caleb Hammer]

If our finances were basically combined at one point during cancer. Sad, sad, cry, cry. Why is it so independent now? Where he's choosing where to put his money. You're choosing where to put your money. It seems like we went immediate combined, then separate. Now we want to get combined again with marriage.

[Kimberly]

So I pay my bills. I've paid my credit cards. As soon as I got back to work, I started getting back to work.

[Caleb Hammer]

When did you get back to work? Obsessed with going back to work.

[Kimberly]

20, 24.

[Caleb Hammer]

Okay, okay, well, there we go. Years ago. So, yeah, I'm again, I'm talking about today. I don't give A about.

[Kimberly]

So I pay my bills every month. I've paid my car payment. I pay my insurance. I pay.

[Caleb Hammer]

When you say bills, you're talking minimum payments, not actually wiping balance.

[Kimberly]

I have, I have tried to pay extra when I can. Like, whereas like, not a single payment.

[Caleb Hammer]

You're just not making a payment.

[Kimberly]

Yeah, no, there's no payments being made.

[Hudson]

Stop paying.

[Kimberly]

We're just ignoring them.

[Caleb Hammer]

Yeah, I wouldn't want to marry that either. What the is wrong with you? Yeah, if you guys are. Do you own a house?

[Kimberly]

No.

[Caleb Hammer]

Are you going to own a house? We have a child, 1, 2 ages.

[Hudson]

Not in this market.

[Kimberly]

We have the 5 year old son and we have a 9 month old daughter.

[Caleb Hammer]

Oh my goodness. And you're not paying your payments. South Bend. You can afford a house in South

[Hudson]

Bend now with my credit.

[Kimberly]

Now, because you're not paying your debt.

[Caleb Hammer]

That's what I'm saying. What about your kids? Would you not care about them? I think you should.

[Hudson]

I think we're fine.

[Caleb Hammer]

We're fine. Your credit's not fine. You can't get a house. What do you mean we're fine? Where's the fine? You want to get a house with the kids?

[Kimberly]

I would love to get a.

[Caleb Hammer]

You.

[Kimberly]

Yeah.

[Caleb Hammer]

Also, why are you having a kid with someone you're not married to? What I'm guessing is the second time?

[Kimberly]

No, I have a. My son is from a previous relationship, so.

[Caleb Hammer]

Yeah, that's our marriage.

[Hudson]

Marriage.

[Caleb Hammer]

No, that's what I just said. Why are you having another kid with someone you're not married to? Again, why do we keep making this mistake? What happened last time?

[Kimberly]

Okay, last time was not the same as this.

[Caleb Hammer]

And what happened last time?

[Kimberly]

Last time met a guy when I was 19 at work and got pregnant. This one was a committed long term relationship.

[Caleb Hammer]

What happened last time? Why did it not work?

[Kimberly]

Because he was abusive.

[Caleb Hammer]

Okay, this one is not. Wow. You love having sad things in your past.

[Kimberly]

Yeah. Yeah.

[Caleb Hammer]

Okay, why don't you hit her so we can get something sad in the present?

[Hudson]

We should.

[Caleb Hammer]

Okay, she's lucky. Bad joke.

[Hudson]

But that wedding stuff, I am paying it back to her.

[Kimberly]

Yeah, okay, so you're gonna pay it back to me, but when is that gonna happen? You're not paying your debt. How can I trust that you're gonna pay your debt to me?

[Caleb Hammer]

Was he abusive or you're just trying to cover up that. Oh, no, no, no. Your ex before. Okay, you collect them. You collect them. Wow. Your ex before that was the miners.

[Kimberly]

Yes, I have a track record.

[Caleb Hammer]

Okay, so minor Abusive. And now it is someone who's borderline. I don't want to say financially abusive, but you are completely taking down the relationship. And you're not going to be able to do the things that married couples want to do with houses and cars and other things like that for the sake of their children, because you are deciding unilaterally to completely the finances. All the weight's going to be on her shoulders. You don't give a f. Want to get in a relationship. You want to head down this path again? No, he's not diddling a kid. Thank goodness. Appreciate it. No, he's not beating you. I don't see any marks. Appreciate it. But do you want to go down a path of another guy that is. Well, I mean, I guess that's why you put on the ultimatum. I would, too. I mean, it is a learning lesson at this point. Obviously, different things, but. But it will hold back and for life and your kids lives as well if this dude doesn't give a shit and he consults no one in the things that he does with his own finances because he only thinks about him and himself.

[Hudson]

No, I'm paying everything back. And I already told her that.

[Caleb Hammer]

What do you mean you haven't made a payment? I heard you haven't made a single payment. Where's the pay in it back? I don't hear paying it back for

[Hudson]

the wedding and her back.

[Kimberly]

Yeah, more than. Okay, the wedding is here. We're talking about the debt that is here and back that you still need to make up for. Like, I don't see you paying me back. Let's just throw out a number two grand that I put into the wedding. I don't see you paying me that back when you couldn't even pay back your $600 credit card or your. Like, how do I. I didn't care

[Hudson]

about the credit card.

[Kimberly]

Okay, but now your credit is. And when I marry you, that's gonna bring my credit down. It's gonna make all. Everything go to shit for me, too.

[Hudson]

Your credit's already shit. Cause you don't pay your stuff anyways.

[Kimberly]

I do pay mine every single month. Yes, it's the minimum payment. Minimum payments, but at least I'm paying it.

[Hudson]

Is it getting anywhere?

[Kimberly]

My balance is going down. Yours seems to be going up in fees. And now. Oh, I'm sorry. An attorney's office has now gotten a hold of you.

[Caleb Hammer]

Oh, for the collections.

[Kimberly]

Yeah.

[Caleb Hammer]

Yeah.

[Kimberly]

So, yes, I have my own shit.

[Caleb Hammer]

But, like, how can you possibly defend yourself and even try to put her in a position that's comparable to yours.

[Hudson]

It's the same thing in my opinion.

[Caleb Hammer]

How? How in your opinion is it the same thing, guy?

[Kimberly]

Yeah. How is not one of my things being in collections, not one of mine reaching out to me letter after letter after letter and calling it.

[Hudson]

So you continuously use the card. You just keep racking it up.

[Kimberly]

No, I don't. I do not use my credit cards. I haven't touched them. They've been.

[Hudson]

Every time we hit target, that thing gets used every time.

[Kimberly]

No, I use my money that I make from my job when we go do that stuff. My credit cards I stopped using because.

[Hudson]

So why are you still having to pay on them?

[Kimberly]

Because I so little balances on them.

[Caleb Hammer]

Don't get me wrong, like, she might be doing bad behavior. Still doesn't mean she's equally as bad as like, she's like smoking a lot of weed daily. Right. Maybe not the best for her brain and lungs, but you're like injecting. It's like, it's not comparable. Yeah, probably instead of getting her bullshit, she should be paying down her cards more. I will yell at her for that. But you try to equate you just not paying anything on your debts. Buddy, I know for a fact here that you're like, okay, no, I'll help pay back for the wedding. I'll help pay back for the wedding, but only after I get my dream

[Hudson]

car, which is what I'm trying to do.

[Caleb Hammer]

Uh huh. Yeah. And you're trying to say you're comparable.

[Hudson]

Not in that way.

[Caleb Hammer]

No, not in that way. I would say that's a part of the entire way.

[Kimberly]

Yeah. I don't, I don't understand how you're doing this whole dream car thing. When you owe me money, you owe credit card money, and now you're wanting to get out a loan and add a ton more debt. I mean, you're talking about, you're not talking about going and getting a small loan and buying a car off a friend. Like you're wanting to go to a dealership and get a 20, $30,000 car. How are you doing that when you're being potentially sued by a credit card.

[Caleb Hammer]

Yeah. Wait, how are you borrowing that money and also whose dream car is a 20, $30,000 car? And also how are you borrowing that money with your subprime credit. Oh, bringing a 30% interest rate into this household?

[Kimberly]

Yeah, we are.

[Hudson]

That would be how I am, how I do it.

[Kimberly]

And you think that's a good idea with your job?

[Hudson]

That's how Your, Yours is too. Drive time.

[Kimberly]

Yeah, same thing. My car. I'm paying. I am able to afford and pay for my stuff.

[Caleb Hammer]

We'll see about that.

[Hudson]

No, I, I, I would get a higher interest rate, but with my, with my hourly, I can afford it.

[Caleb Hammer]

And what is your dream car?

[Hudson]

Well, I wouldn't say dream car, but. Look, I want to get a Mustang

[Kimberly]

with our two children.

[Hudson]

There's seats in the back. They'll live.

[Caleb Hammer]

Why a Mustang?

[Kimberly]

Yeah, it's a. You're wanting a two door car with two car seats in the back?

[Caleb Hammer]

I don't even care about that. Just why a Mustang?

[Kimberly]

Are you.

[Hudson]

They're nice.

[Kimberly]

They're nice. Okay. Yeah. Paying, having, no debt. Debt free is really nice too.

[Hudson]

We'll get there.

[Kimberly]

Being able to. We'll get there, win. It's been three years and it's for some reason your number's going up, mine are going down. So if I don't, what am I missing here?

[Caleb Hammer]

If I'm understanding this correctly, you're giving him a week from the filming of the show to show that he's changing his behavior.

[Kimberly]

And I'm not saying like you don't have. I'm not even giving him a dollar amount. Just show some initiative that you're going to pay it off like something, call the place, have a, a payment plan, some kind of effort towards getting rid of it. I'm not gonna be putting in the work for my stuff. And then you just continue willy nilly and then you get a wedding and then you benefit from whatever work I do put in. Like how is that fair to me in any way?

[Hudson]

My car died. I need a car.

[Kimberly]

Okay, I get it.

[Caleb Hammer]

What did you say?

[Hudson]

My car died. I need a car. I'm borrowing my mom's car now.

[Caleb Hammer]

Sure. Is that okay?

[Hudson]

Not really.

[Caleb Hammer]

Is she allowing it?

[Kimberly]

For now.

[Hudson]

As of now.

[Caleb Hammer]

Does she say she doesn't want that anymore?

[Hudson]

Recently she said that.

[Caleb Hammer]

Okay, then get a 10 mile instead of a Mustang. Ecoboost. Bullshit. Dumbass.

[Hudson]

Good on gas mileage. It's nice.

[Kimberly]

Do you see the priority difference here?

[Caleb Hammer]

I do. And why the would you even stay with him? I don't understand. If this is his entire, if this is his entire mentality, where does the rest of the marriage go? Where does the future of our relationship go? What does it look like? I have no idea. He gonna be like this throughout forever with more kids? Maybe.

[Kimberly]

Well, and that's the other thing is like we've even had that conversation. Like he wants more kids and I'm like, how do you want more children

[Hudson]

when we Farther down the line.

[Kimberly]

Okay, but. Well, that's not. Anyway, but I just. I don't understand like where in your brain. Let's add on another kid that costs. God knows how much a kid costs every single day. Look at how much we spend on our daughter to make sure she's got things. And you want to add another one.

[Hudson]

Not anytime soon. I already told you that.

[Kimberly]

Yeah, but just. It's just the point that that's even a thought in your head, that that's something you want. You want a new car, you want this, you want to.

[Hudson]

We have time. We have time.

[Caleb Hammer]

Where are you getting your financial information from?

[Hudson]

I look it up online.

[Kimberly]

No, go ahead. TikTok.

[Hudson]

Not all TikTok. TikTok YouTube. I don't even have Google everything.

[Kimberly]

Yeah, he's got some guys that his friends have told him about that are on TikTok that are really good at all this stuff, so he'll listen to them.

[Caleb Hammer]

Good at what stuff?

[Hudson]

Just finances. They tell you what to do.

[Caleb Hammer]

Finances. What finances? Car.

[Hudson]

They tell you. They tell you on how. How to.

[Kimberly]

Go ahead.

[Hudson]

Work with your finances.

[Kimberly]

Better work with your finances. What do you mean?

[Caleb Hammer]

I mean, can you. Can you talk?

[Hudson]

It's. It's like how you can.

[Caleb Hammer]

What fumes are at this plant?

[Hudson]

I guess a lot.

[Kimberly]

Yeah, I agree.

[Caleb Hammer]

Say things.

[Kimberly]

It's to help you pay off your debt. Is it to make stuff to use stocks? Like, what are you. What.

[Caleb Hammer]

What are they teaching you?

[Hudson]

Just to pay off the debt. But I did. I did start getting a payment plan, but then I never even played.

[Caleb Hammer]

So the TikTok suggests get a. Get your EcoBoost Mustang. That's what they suggest on TikTok. Well, no, then what the are you talking about?

[Hudson]

Why? I lost my car. And then my mom's been okay, but

[Caleb Hammer]

she offered up her car. I'm being told so. Yeah, but you said no.

[Kimberly]

Yes, I told you. Why don't you take over my car since you drive it for work and I'm the primary transportation all the time anyway. I'll get a bigger car, like an suv.

[Hudson]

How are you going to get a car?

[Kimberly]

With my money.

[Hudson]

With what money?

[Kimberly]

What do you mean with what money?

[Hudson]

You don't have any money for a car, do you?

[Kimberly]

Again, okay, I obviously do have money for a car if I'm able to pay. All my bills are being paid every month and I've even started saving. Like I've got automatic savings coming out of my account so I can have money on the side for emergencies. I have a savings account for our children, so if they need anything, I have my own money set aside for them.

[Hudson]

It's not nearly enough for a new car, especially with credit.

[Kimberly]

That's why you work towards it. Unlike you, who's just been working towards it going down. Do you see how this is?

[Hudson]

That part's not about me. It's about you getting a new car.

[Kimberly]

Oh, I can get a new car if I need to. I have the.

[Caleb Hammer]

What do you know about her finances?

[Hudson]

I know.

[Caleb Hammer]

What do you know about his?

[Kimberly]

I don't know anything about his. He doesn't tell me anything.

[Caleb Hammer]

And we're thinking of getting married.

[Kimberly]

Oh, no. That's a conversation we've had multiple times that. I'm very open about mine because I am in a relationship with you and we have a child together and we. So I'm very open about my money, where I'm at, if I can or can't afford something. Him, on the other hand, just negative.

[Caleb Hammer]

It's true, Hudson.

[Hudson]

It's true.

[Kimberly]

And you'll just willy nilly why? You'll willy nilly go negative. You'll just be like, oh, I have a $200 overdraft protection, so I'll just go $200 in the negative. Oh, I get paid next week.

[Caleb Hammer]

It's fine if she's being open. Why are you not sharing, dude?

[Hudson]

Because I. Whenever we go out and do anything outside of when I'm at work, I'm paying for everything.

[Caleb Hammer]

So that's why you won't share your information about your finances.

[Hudson]

Sharing, It's. It's. I just don't talk to her about my finances ever. If she asks, I will say exactly what's happening.

[Caleb Hammer]

What do you mean happening? What are we talking about? What does that look like? Tell me. You ask, then what?

[Kimberly]

I'll simply just ask, like, what are we looking at with money? Like, here I am, I don't get paid for two more weeks, whatever the case may be. Can we afford to go do X, y or z? Yeah, it's fine.

[Hudson]

And I'll say yes or no.

[Kimberly]

Nine times out of 10, you tell me yes. And if you tell me yes, as the man of our house, I trust that that's a fact. Like, we're good. But then next thing I know, I

[Caleb Hammer]

think, does him having a dick mean he knows numbers?

[Kimberly]

Well, I mean, he's still like as. I mean, I don't know. I just believe that the man of the relationship should be able to.

[Caleb Hammer]

That's a trading on this show. It's kind of crazy. Very interesting.

[Kimberly]

To a point.

[Caleb Hammer]

That language.

[Kimberly]

I'm not going to say like I'm completely traditional because at the end of the day I always then why put

[Caleb Hammer]

traditional values on him? Well, not on yourself.

[Kimberly]

There are certain things, certain parts Ready to soundtrack your summer with Red Bull Summer All Day Play. You choose a playlist that fits your summer vibe the best. Are you a festival fanatic, a deep end dj, a road dog, or a trail mixer? Just add a song to your chosen playlist and put your summer on track. Red Bull Summer All Day Play. Red Bull gives you wings. Visit red bull.com brightsummerahead to learn more. See you this summer. Parts of our life that I definitely think is you and certain things, but only him.

[Caleb Hammer]

It's like he has traditional expectations on him and no traditional expectations on me.

[Kimberly]

I have money expectations for him and I have motherly expectations for me. I'm a primary parent. There's some I should take care of my children. He should be able to be like, we can't afford this. We're not doing that.

[Caleb Hammer]

So I'm confused. If you're not getting the insights you demand, why are you giving him money? I'm being told you're giving him money. Why are you giving him money if you're not even getting the insights into the finances that you demand from the man who should be? First of all, is that even him being the financial man if you're giving him money?

[Kimberly]

No.

[Caleb Hammer]

So you're a child.

[Kimberly]

Yes.

[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 going to force you to use it his way. That's not very personal. Finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollarwise. Built by these people just like you, for people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download it now, start the free trial. Dollarwise.com, link in the description below. That's kind of stupid, I'll be honest. But what's not is, is actually Getting a checking account that gives you free money. Free money. We like free money. You can get up to $200 in bonus cash right now when you sign up for the checking account that I use. Chime also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below.

[Kimberly]

What money are you giving me whenever you need money? When you can't afford to get at lunch, when you're at work and you're like, can you send me money for Chipotle? Or can you send me money to go get some Taco Bell or whatever the case may be.

[Hudson]

That's not even true at all. When is this?

[Kimberly]

Is it in the statements?

[Caleb Hammer]

Okay, here's the reality of the situation. You won't go give her the information she wants.

[Hudson]

I do.

[Caleb Hammer]

If she gives it.

[Hudson]

If she asks for it. If she asks for what?

[Caleb Hammer]

She just asks if we can afford this.

[Hudson]

Yeah, and I'm saying, I don't say

[Kimberly]

how much money's in your account. I just say, can we just.

[Caleb Hammer]

Why don't you try to get insights into that? But why don't we try to know what combined would look like?

[Kimberly]

I think. Cause subconsciously I know that he's going to either say yes and he's lying.

[Caleb Hammer]

Well, no. How about you just actually get the documents, import everything into a budgeting app like dollar wise. But isn't that what we do when we make a household budget?

[Kimberly]

But we've also tried budgeting 100 million times and.

[Caleb Hammer]

Well, how'd you do it without getting combined finances? Well, we not actually combined accounts, but bring in both document sets together.

[Kimberly]

We have done that. I mean we've sat down and we've gone through the bills we pay and we, we've come up with a good budget. Like genuinely, I wanna do it and he doesn't.

[Caleb Hammer]

The is wrong with you.

[Hudson]

I do do it.

[Kimberly]

What do you mean when do you do it?

[Hudson]

The only thing that harms the whole budget is honestly food. Food is the only thing that harms the whole budget.

[Kimberly]

Okay, what about when I say let's go to the grocery store and get

[Hudson]

two weeks of food and then you get two weeks of food and we don't use it and it gets wasted.

[Kimberly]

I do use it and I will cook dinner and things like that. But then you're like, oh, for sure,

[Caleb Hammer]

maybe you shouldn't do that. Do better cooking dinner. If you actually helped with the kids around the house. I hear you literally just get home and just play video games. Don't even ack.

[Kimberly]

Or you take your little nap. Don't forget about that.

[Hudson]

Yeah. After the nap we do whatever we need to do during the day.

[Caleb Hammer]

You play video games?

[Kimberly]

Yeah.

[Hudson]

What about if I have time?

[Caleb Hammer]

She's saying you just play video games all day instead of taking care of the kids. It's hard for her to kick. Well.

[Kimberly]

And I don't understand how I get home from work at 5pm and I immediately am into mom mode. I'm making dinner, I'm giving baths, I'm doing all that and you're playing your game or you're on your phone or I'm literally vacuuming around you and you're just watching me on your phone and you don't. The baby will be crying while I'm trying to do this and I have to get up and go do it while you sit and play your game. Or the middle of the night, I'll get woke up. I get up at 6am for work and she'll be crying, crying, crying.

[Hudson]

It's new shift or old shift.

[Kimberly]

And you'll just be sitting there on your computer. I'll wake up and I'll look over. You're on your computer playing the game while she's crying. So I have to get up and do it. Like, I don't understand.

[Hudson]

This is my new shift.

[Kimberly]

It doesn't matter. It doesn't matter what shift you're on. You always have done that even before the baby, when would need something or whatever. Like you'll be like, well, I can't pause the game, so just wait a second.

[Hudson]

Yeah, that's on my. That's. That's what I did now.

[Kimberly]

Yeah, but it doesn't matter.

[Hudson]

Before is not like that at all.

[Kimberly]

Yes, when we worked the exact same shift, it was different. But you've been on this shift, this night shift where for months. So even if it was two months, it shouldn't be happening. I shouldn't be the default person just because you want to play your game or you need to go do this or I want to go test drive some more Mustangs or whatever.

[Caleb Hammer]

Like Mustangs?

[Kimberly]

Yeah. I don't understand how is it all pointless?

[Hudson]

Car.

[Caleb Hammer]

I understand getting the groceries to cook, but it is difficult if we're both coming home from work and then you play video games and she has kids running around and screaming and also needs to cook at the same time. And you're not helping. You're not.

[Kimberly]

And that's usually When I'll end up being like, let's just go grab something. Because I'm.

[Hudson]

Now, when it was on my first shift, that stuff never happened. I never played the game. I can play it maybe once a week.

[Kimberly]

And I said that. That's true. When me and you. When you got off at three and I got off at five, it was much different.

[Caleb Hammer]

Correct.

[Kimberly]

But you now are on the shift. And as far as I know, you're gonna be working the shift for the foreseeable future.

[Caleb Hammer]

Feels like you're not willing to do anything other than get to your goal of the Mustang. Because I know you're trying to be a streamer. That's what you were focused on, then you gave up on that. Now you want to get a car instead of actually helping them. And one of the big things of actually helping is getting out of the mom's basement.

[Kimberly]

Well, and I'll tell you, she wants

[Caleb Hammer]

to get out of the basement, but you're doing absolutely nothing to get out of there. And you're prioritizing getting a Mustang or you'll. Who gives a shit about your Mustang? Get out of the basement.

[Kimberly]

And while we're at your mom's, I feel like you'll default to just having your mom here. Will you watch the baby real quick or asking your sister to watch the baby real quick or whatever?

[Hudson]

Whenever. When we run around.

[Kimberly]

Okay, but what about when we move out? You're gonna have to do some shit you don't wanna do. You're gonna have to take the kids to the grocery store with you.

[Caleb Hammer]

Correct.

[Kimberly]

While I'm cooking or whatever. But you won't do it now. If you won't do it now, how can I trust that you. You're gonna step up in the way that you need to when we move out. If we move out.

[Hudson]

When we moved out before, there was no problems.

[Kimberly]

We didn't have a baby. So not the same. We had a child who could entertain himself and I could cook while he played in his room.

[Caleb Hammer]

Bro. She literally told us in private, without you, that she's thinking of moving out without you to motivate you to get your shit together.

[Hudson]

She's lying.

[Kimberly]

Am I?

[Hudson]

Yes. You always say that.

[Kimberly]

Yeah. And the only reason she always says

[Caleb Hammer]

that is that not worth something.

[Hudson]

Has she moved out?

[Caleb Hammer]

Yeah.

[Kimberly]

But why do I have to move out for it? To smack you in the face the threat of you, of your family. Because I know how you moving away from you. It doesn't matter. The threat of me getting up and moving away from you should Be enough for you to be like, oh, shit, let me. Let me reevaluate, like, what I'm doing and what's going on around me. But instead you're just like, oh, that's what she says all the time. She's not gonna do it. Cause she hasn't done it. So should I do it? Because the other thing, the only thing that's stopping me is the fact that I love you. So I don't want to do that. But at the same time, I have to think about my kids, who I think about first all the time, while it seems like they and I are the last thing that you think about and it's what you want, you want, you want, then it's us.

[Hudson]

But I do think about them, too.

[Caleb Hammer]

First how when she thinks she's a single one.

[Hudson]

Because whenever I'm at home, we're always doing things that you want to do nonstop, and it's always costing the highest amount of money.

[Kimberly]

That's not true. True. I've told you multiple times. We can go.

[Caleb Hammer]

Tell me about where. What's happening? What's she doing?

[Hudson]

Well, we always have to go somewhere because we can never sit at home and do nothing. So that means every time we leave the house, it's automatically we're going out to eat. Every time. And That's a nice $70 bill. 60. 70. With us three eating there. And then on top of that, we're probably going to go somewhere. Probably the mall. Target got to get new jeans. We got to get makeup. We got to get whatever new we need every time. Because we can't sit at the house.

[Caleb Hammer]

How are we going to start moving out?

[Hudson]

It's so boring.

[Caleb Hammer]

We just do that.

[Kimberly]

Okay, so my turn. So whenever we do go out, I have said multiple times, I love. I involve my kids in everything. I am that parent who I just. I feel almost like a guilt when I don't involve my kids in the things I'm doing. But I've even said, why don't we. We can go do something for free. We can go for a walk. We can go take the kids to the park, whatever. He doesn't want to do that stuff. So then I'm like, okay, well, you

[Caleb Hammer]

don't want to do that stuff.

[Hudson]

No, I do like doing that stuff.

[Kimberly]

No, you don't.

[Hudson]

But every time we leave the house, it costs money, so I don't want to go anywhere.

[Kimberly]

You're lying. I've multiple times said. I've even asked, can we go? Let's go have a picnic at the park with kids. Well, that means bringing food, not paying for food at the fast food place. That's.

[Hudson]

Have we ever went?

[Kimberly]

Because you don't want to. Every time we do.

[Hudson]

I told you we can do it.

[Kimberly]

Every time we go do stuff. That is what I want to do. You literally, like, look miserable. You look like you are having the worst time of your life, so.

[Hudson]

But I tell you every time we can go do it. Yes, because it costs less.

[Kimberly]

It's not the same. If I ask to go do something and you look like this the whole time.

[Hudson]

I do not look like that.

[Kimberly]

I don't. Yes, you do. You look miserable. Or you'll complain or you'll make comments or you'll just give off this, like, annoyed. I could be doing something else. So the only time you don't look like that is when we go do do stuff like go to the movies or go bowling or we go out to eat. When we go do stuff that costs money, you actually look like you're having more of a good time than when we just spend good quality time together. And the reason I don't like staying home is because when we're home, you're either on the game or you're on your phone.

[Caleb Hammer]

You're not Hudson. Is all that true?

[Hudson]

Partial of it.

[Caleb Hammer]

Are you not having fun out with the family?

[Hudson]

I do have fun with the family, but I do like staying home.

[Caleb Hammer]

Yeah.

[Kimberly]

And if you play your game or be on your phone or watching it.

[Hudson]

If I can play the game.

[Caleb Hammer]

Well, let's think for a second. It is fair to. Well, I mean, with kids, we have to take care of the kids. It's not an option, but it is good to get space. It's good to get rest. He is in a very. He is in a much more manual job than you, so his body needs more rest. It. It's. And some people like to stay at home more than go out. Obviously with kids, there's less of a compromise we're able to do. But that's not an inherently bad thing for him to do. But if that's all we do, then it is bad. But all we do is go out and spend money is also not good.

[Kimberly]

Well, and I also disagree about the work a little bit. He's not like the hands on working at his plant.

[Hudson]

That's not. You don't know anything about the job.

[Kimberly]

Yes, you literally work. The most that you do is walk from building to building. That's the only physical labor you do. And at my job, I'm up walking around the Halls.

[Hudson]

So you're walking around the same.

[Kimberly]

Yes, I walk around just as much as you do.

[Hudson]

You load semi trucks?

[Kimberly]

Do you do that by hand or do you use a forklift for that? Where you sit still have to control.

[Hudson]

You still have to know how to do all that stuff.

[Kimberly]

Yes. So you have a mentally heavy job.

[Hudson]

Have you loaded a truck with a forklift?

[Kimberly]

I know that you don't use muscle to do that.

[Hudson]

Have you used a crane?

[Kimberly]

You also don't use muscle to do that. You're using machinery like you're operating a machine. You're not like back breaking labor every single day. So when you're doing the whole. Oh, I'm so exhausted. I'm exhausted every day from working mentally exhausted and figuring out food for our kids and taking care of our kids and getting our kids a bed and all that. You get home at 11 or whatever and you just immediately get on your game and so when I wake up

[Hudson]

in the morning, what am I supposed to do at 11 o' clock at night when everyone's sleeping? What are you playing on my game? Whatever. Whatever's on there right now. Marvel Rivals.

[Caleb Hammer]

Show me your left hand. Damn it. Give me your phone. Open your phone. Right hand, damn it. Wait. Show me your palms. Oh, no. I mean, he has. He has some marks of a working man. He has some marks of a working man.

[Hudson]

And I wear gloves.

[Caleb Hammer]

Okay.

[Hudson]

Hmm.

[Caleb Hammer]

Her state of mind is a slightly unpleasant day. Wow.

[Hudson]

It's today.

[Caleb Hammer]

Yes. I mean, I'm sorry, you're at 1.6 miles a day total.

[Kimberly]

No, I will say I did move locations, so I'm not walking around as much as I was.

[Caleb Hammer]

Whoa. All of a sudden the goal post has been shoved to the other side of the city. The moment I actually look at reality. 1.6 miles.

[Kimberly]

How are you so exhausted when all. But that's all you do.

[Hudson]

But if you go like this with a crane and you have to move the.

[Kimberly]

So again, a lot of mental.

[Hudson]

You have to still have physical in there.

[Kimberly]

When you walk to the building.

[Hudson]

You have to use the chains too. Have you ever picked up a chain? You know how heavy those are? You still have to have that physical in there. Plus you have to wear a hard hat, arm guards, you have to have boots on. You have to wear all that shit, dude.

[Caleb Hammer]

1.4 for the month of January and February.

[Kimberly]

There's no way.

[Hudson]

Yes.

[Kimberly]

You're walking around my office all day, dude.

[Caleb Hammer]

And it calculates with your phone as well.

[Kimberly]

Even I don't have my phone on me at the office. Cause I can't.

[Caleb Hammer]

But if you don't have your watch, I'm saying.

[Kimberly]

Yeah, that's what I'm saying is there was a Wilder that I didn't have that on, bro.

[Caleb Hammer]

I'm a fat who literally just sits down and films all day, and I average 2.66 miles a day for those couple months. And I'm a fat assault.

[Kimberly]

But I'm not saying I'm physically exhausted

[Caleb Hammer]

every day, bro, with your kid is only moving 1.4. Yes, you did. No, you mentally cut back to that.

[Kimberly]

Yes, I walk around just as much as you do. I'm exhausted every day.

[Caleb Hammer]

Yeah. You literally just sat there and said, I'm exhausted every day.

[Kimberly]

Yeah. Mentally, I'm not physically exhausted. I can give you the honest. I'm not physically like, oh, my gosh, my back, my legs.

[Caleb Hammer]

It's funny how your tune changes while you're here. Which almost makes me kind of agree with a potential part that he said. Listen, I do think you're probably maybe a majority part of the problem, I'll be honest. But he said in private with us before that he's just endlessly trying to keep up with the bossy woman in the house, always micromanaging everything in our lives. And that is exhausting. That is mentally exhausting, too.

[Kimberly]

Mentally exhausting at the Israeli.

[Caleb Hammer]

Ask him. He's the one who said it.

[Kimberly]

Ask him.

[Caleb Hammer]

He's the one that said it.

[Hudson]

Yeah, it's nonsense.

[Kimberly]

I mean, do you think I'm not exhausted micromanaging you all the time?

[Hudson]

Yeah, but you're micromanaging. But I can't do anything.

[Kimberly]

How? I'm talking about taking care of our other child, even I'm telling you. Hey, could you maybe fold this basket of laundry that's been sitting here for three days? So I don't have anything.

[Hudson]

I fold it and you vaccinate the way I did it.

[Kimberly]

No, I don't.

[Hudson]

So why would I fold it?

[Kimberly]

No, I don't.

[Hudson]

Every time I try to do anything,

[Kimberly]

you barely take your dog outside.

[Hudson]

You don't take him outside.

[Kimberly]

I barely get you to take your dog outside. So, yes, I micromanage you all the time, being like, hey, can you do this? Hey, do you mind doing this while I'm doing this?

[Hudson]

Then I get home, and he's still in the cage.

[Kimberly]

You have to.

[Hudson]

Oh, I guess you do need that, bro.

[Caleb Hammer]

I mean, I wouldn't be surprised, though, hearing this conversation, how you push the goal post. Are we really that surprised? You might be the nagging woman, and that's Exhausting.

[Kimberly]

It's exhausting.

[Caleb Hammer]

You're trying to look like a victim as well.

[Hudson]

So why are you nagging all the time? Just let me do what I need to do.

[Kimberly]

If I quote, let you do what you need to do, you're just gonna be on your game. You're just going to be trying out

[Caleb Hammer]

hard and on his phone constantly. Yes, yes. You spend more time a day, on average, on your phone than he does, by the way.

[Kimberly]

At nighttime for sure.

[Caleb Hammer]

Doesn't matter when the kids are asleep.

[Hudson]

The weekly average, you're on your phone.

[Caleb Hammer]

The daily average, 4:47, 4:58. You beat him. Everything you're bitching about the moment I actually dig in. You have to push the goalpost because you're complaining about something that you equally do. If not.

[Kimberly]

But I don't get on my phone. Okay, so I'll get on my phone phone. When shit is done. When laundry's done.

[Caleb Hammer]

Bro, you're on Facebook every day.

[Kimberly]

Yeah. Who cares? Everyone's on Facebook every day.

[Caleb Hammer]

Point is, no, especially not your age.

[Kimberly]

My point is, is that I don't decide to turn my brain off and

[Caleb Hammer]

everything until the time that he uses. Oh, let's go back to week. Okay. You scrolled TikTok a lot recently.

[Hudson]

Yes, I've been looking at cars still.

[Caleb Hammer]

Yeah, and also you're on Facebook a lot, too. What the. Is this like an Indiana thing? Are you guys that far behind? Why are you on so far?

[Kimberly]

Oh, wedding planning. That's probably most of my Internet use.

[Caleb Hammer]

Okay, well, you know, because of the conversations going on right now. She specifically has not booked a hotel for your wedding night. Has not done anything for the Honey,

[Hudson]

what we need to do for that.

[Caleb Hammer]

No, but she's not confident enough to do it because of this dynamic.

[Hudson]

Because it has to be her way.

[Kimberly]

How you mean? I don't feel like I should be financially responsible for our entire conjoining of lives. So until I know that you're gonna actually grow up and do it.

[Hudson]

But I told you, I'm already paying you back for all that.

[Kimberly]

God knows when.

[Caleb Hammer]

When I get my car.

[Kimberly]

You can't even pay back a company who you owe money to. How do I know you're gonna pay back someone you're comfortable living with?

[Caleb Hammer]

Ooh, bro, this actually is not looking good for you. Listen, I think we'll do to work. He's on his phone, which, whatever, that's fine. Saturday and Sunday, when he spends it with you guys, those are the days that he spends less than even like an hour and a half. On his phone. You, during the work days, nothing on your phone. On the weekends, when you guys are supposed to be spending time together with the kids, those are your maxed out days. For example, Sunday of last week alone was five, six hours.

[Hudson]

And as of now, weekends are the only times I see them. Yes.

[Caleb Hammer]

And you're not on your phone during the weekend. No. Your entire argument was that anytime you guys are together, he's just on his phone. No, he's not. He's objectively not. I have the metrics right here.

[Hudson]

And during the week, I don't see it.

[Kimberly]

My phone is the default. Whenever we go out, I'm the one that looks up places to eat. I'm the one girl.

[Caleb Hammer]

That day was two hours on Facebook and the rest was just miscellaneous.

[Kimberly]

Yeah, I'm on. When I'm on Facebook, I'm on Marketplace looking at wedding shit all the time. Yes, I am. And I even send it to you. I've sent you a bunch of stuff.

[Caleb Hammer]

Even still, you just scrolling there on, you know, being a girl with a wedding dream is still just scrolling and having fun.

[Kimberly]

But we're talking, we're actually conversating. Like, we'll sit down, we'll sit down. And when we're eating. And I'll have Facebook out Marketplace. Or I'll have Safari out. We're talking about wedding stuff.

[Caleb Hammer]

Now, for what it's worth, I will say this, bro, you're on TikTok 8 hours and 34 minutes last week.

[Hudson]

Correct.

[Caleb Hammer]

I'll destroy your brain.

[Hudson]

Well, I've been on looking at this rough, man.

[Caleb Hammer]

Yeah, yeah, yeah, yeah. That means you're getting way too close to this damn car. Well, you guys have finances to be very clear. Can't afford this wedding that's coming off and she's not even booking shit because she doesn't even know if she's going to end up getting married to you right now and all you're doing is this car. What about her? What about the priorities of the relationship?

[Kimberly]

Add in that my dad. Sorry, me. Me and my dad are paying for this wedding. And my dad even has like, you looking into this car is insane.

[Caleb Hammer]

That's not good. Stepfather not liking you. It's usually where like kind of the close bond typically goes.

[Hudson]

Not what I hear from what she says.

[Kimberly]

What do you mean? I literally told you.

[Caleb Hammer]

She's saying right now.

[Kimberly]

When I told my dad about you looking at a new car and what it was and all that. He literally sat down with me at lunch one day and was like, that's not why are we doing that?

[Hudson]

Like, he and we went the next weekend and booked a venue because my

[Kimberly]

dad wants to pay for his daughter's wedding. Like, at the end of the day, he's gonna do what he's supposed to do as the father of the bride. Like he's gonna do.

[Hudson]

But he didn't. He knows he can talk to me about that stuff.

[Caleb Hammer]

Well, clearly he actually doesn't because he's talking to her behind you when he.

[Hudson]

When they go to lunch at work.

[Caleb Hammer]

Yeah, but he's saying the things that he's not telling you in person. What does that tell you?

[Hudson]

He can always talk to me.

[Caleb Hammer]

You're saying that I'm gonna pick up his phone and call you and be

[Kimberly]

like, you're a idiot. You need to put this car shit behind you.

[Caleb Hammer]

And for someone matters. Probably should.

[Kimberly]

But no, seriously, if he did, maybe

[Caleb Hammer]

I would call him in the post show.

[Kimberly]

Oh, if my dad said it to you, you would probably do the right thing. But when your future wife says it to you, it's you, I'm gonna do whatever I want. That's basically what you just said.

[Caleb Hammer]

Even for the babysitting. Only Kimberly is paying for the babysitting. Well, all your money is going for this potential car. You're not even helping out there.

[Kimberly]

Like, keyword potential.

[Caleb Hammer]

Not even tire tax refund to the wedding, paying for all the babysitting, you nothing Car.

[Hudson]

It's. Cause I need a large down payment.

[Caleb Hammer]

You don't need this car. You can get a $10,000 car.

[Kimberly]

Thank you. I don't get why you can't just.

[Hudson]

I want a nicer car.

[Caleb Hammer]

Want. Want. There it is. Want. Yeah, well, she pays for all the babysitting, paying for all the wedding.

[Hudson]

I pay for babysitting.

[Kimberly]

No, you don't. According to her, your mom literally told us that we're gonna have to start looking into paying a daycare, which we didn't want to do because daycares are insane. Said we're going to have to start doing that. Because you're not paying her.

[Hudson]

Because I said, you're doing great.

[Kimberly]

She looked at me and said, you're doing great. You're paying me what you owe me. Everything's going well. But he's not. And that's not fair. And I agree.

[Hudson]

But also, I don't agree with having to pay her a lot of money like that.

[Kimberly]

Okay? But it is what it is, so

[Hudson]

I'm just not going to pay it.

[Caleb Hammer]

So where does all your money go? She doesn't know where all your money's going. That's her big question. Tell us, where does all your money go?

[Hudson]

When I get paid, I put about 200 in the savings. And then for the car.

[Caleb Hammer]

Okay. Instead of to the family.

[Hudson]

But then after that, the rest goes to whatever we do during the weekend.

[Kimberly]

I feel like I've been swiping a lot lately.

[Hudson]

On what? And I've been on the wedding swipe. On the wedding.

[Kimberly]

Wedding. When we do go get food. When we do go get stuff for the kids at the store. Everything, anytime we go anywhere. And a card is needed. Here comes mine.

[Hudson]

That's not true.

[Kimberly]

Here I am taking care of it. Yes, we did. We just got into a big fight a couple weeks ago about it. Because I was literally like, is there gonna be a time when I'm not paying for everything?

[Hudson]

Yeah, because you pay for all the wedding and you got it all. What about everything misconstrued, like you always do?

[Kimberly]

What about all the other times when we go out and we're in person like this and I'm still. Here's my card. Hey, are you gonna get this? No, you just go ahead. Oh, okay.

[Hudson]

Yeah, you get those all twisted because you think you're paying for everything. Because the wedding. I already told you that.

[Caleb Hammer]

What was the argument?

[Hudson]

Because we went out to Target and she paid for everything. No, it wasn't Target. It was Hobby Lobby. She paid for everything. That was for the wedding. And then after that, she got in the car and she was all pissy and mad and I told her, I already told you I'm paying you back. And she says she's buying your money.

[Kimberly]

No. And I said that that was fine for you to pay me back, but I didn't know it was. You pay for everything up until the wedding and then God knows how long before I pay you back. I didn't know that. I thought it was like. I already told you that I'll pay this or that. No, whatever. And then like in a week or two, you'll give me a little bit like I thought. Thought it was going to be like a normal. I didn't know it was. Yeah, you're going to actually pay for the entire wedding and then I'll pay you back maybe on our one year anniversary. Like that's how it feels.

[Caleb Hammer]

A conclusion to those arguments?

[Kimberly]

No, we just fought and then it ended. That was it.

[Caleb Hammer]

Is that how it usually goes?

[Kimberly]

Yes.

[Caleb Hammer]

How long did you guys fight?

[Kimberly]

It was about like a 20, 30 minute.

[Hudson]

It wasn't that.

[Caleb Hammer]

Was it heated?

[Kimberly]

It was, yes.

[Caleb Hammer]

I would kill myself.

[Kimberly]

Yeah. I started crying. Yes, it was heated, so.

[Caleb Hammer]

Raising voices.

[Kimberly]

Probably for the first time ever. Yeah, that was your first time ever raising your voice?

[Hudson]

I told her.

[Caleb Hammer]

What'd you do? What was it like?

[Kimberly]

I didn't like it. It was tense.

[Caleb Hammer]

Like it wasn't well, especially if you've come from an abusive relationship. I'm sure that would be a little scary.

[Kimberly]

Yeah. And we've gone this long and you've never, ever raised your voice at me. And then you raised your voice at me about our wedding. Not yelling, but louder. I mean, but I wouldn't say yelled.

[Hudson]

I told her, but enough that I. Multiple times before. She's paying for everything with the wedding now, but I'm paying her back.

[Caleb Hammer]

Starbucks is bull and a waste of money. And you already know that by making your coffee at home and invest in the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is gamer.

[Hudson]

Literally. The Cherry Flav is insane.

[Caleb Hammer]

Listen, you can also get free samples to see if you like it. Or 10 off your order at gamersupps gg or click that link in the description below. Type in code. Caleb. Hammer Elite is the best YouTube membership on the platform and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the PIN comment or description below. This is the best membership you'll ever join. That's a promise all the way to the While you're saving for this car because that's what you want to do. Why didn't you get to just tell her, hey, you're paying for the wedding. I will pay you back. Why do you get to dictate that?

[Hudson]

She agreed.

[Caleb Hammer]

Why is it not a conversation or you agreed to it.

[Kimberly]

No, let's rephrase it.

[Hudson]

In the beginning, she agreed to it, and then now, because it's happening, she's free to agree.

[Kimberly]

Yes, because again, you didn't say you're gonna pay for the wedding all the way. I just thought it'd be like I said, I go like, we go to Hobby Lobby, I get some of the flowers and stuff, and then next week you send me like 50 bucks. Or like, I thought it was gonna be like a slow kind of here and there normal thing. I didn't know it was gonna be full commitment. I got it. Don't worry, I'll cover This.

[Hudson]

Before this argument, we had another conversation about it and I told her exactly how it's gonna be.

[Kimberly]

Then I told her and then she

[Caleb Hammer]

freaked out about it. You get to say how it's going to be. Why is it not a conversation with an agreement?

[Kimberly]

Because there's no talking to you. Look at we're on like we're trying to do it right now and I can't. You're still just like, it's the same thing.

[Hudson]

You don't talk to me about my finances. Whenever you ask, I tell you everything.

[Kimberly]

It shouldn't be, but we should just always be on the same page. Like we should. I should know what's going on. You should know what's going on.

[Hudson]

Well, it's hard to be on the same page when you control it all.

[Kimberly]

What am I controlling? When you're clearly making it obvious that you have full control over this.

[Hudson]

This I told you and you agreed to it, but everything else is in your control.

[Caleb Hammer]

Okay, what do we think our household financial score is right now? Combined? 0 to 10. 0 being the worst, 10 being the best. What do we think?

[Kimberly]

Honestly? Probably 2. Okay.

[Hudson]

I'd say not including. Well, I'd say about a four.

[Caleb Hammer]

All right, well, if you guys want to get your hammer financial score, you should take that assessment for [e-mail] Again, it's free. Just takes a few minutes and you can see where you stand in the world of money. Thousands of you take it daily for a reason. It's really cool to see where you stand in the world of money. And if you don't want to end up like them, get on the same page. Know what your finances actually look like. Automated, easy with dollar wise. My favorite budgeting app. It is incredible. Check it out. Download it for free in the app store that you need to use and take the free trial. See if you like it. And most people do. That's why there's tens of thousands of monthly active users and most people sign up for the annual version after the free trial because you get my 30 day budget meal plan that we designed for every single meal, snack and drink for 30 days so you no longer have an excuse for meal prepping, meal planning, all that stuff. I will sign it and I'll mail it directly to you guys. So I will sign this one. And there you go. Nice and signed. Now no more going out to eat. It's as easy as that. Use that. Snacks, drinks, all the goodies. No more needing to go out to eat, guys. Dollarwise.com calebharmer.com. all those links below. Let's get in. Who has the Apple card? What are you doing? Apple card guy not paying. What's going on? Just not. Why just not? Where's the logic? Did TikTok tell you this?

[Hudson]

No, this was before the TikTok.

[Caleb Hammer]

Okay, well, now you are in TikTok land. Why are you not paying?

[Hudson]

What's the logic before with the situation?

[Kimberly]

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[Hudson]

When she wasn't working is when I

[Caleb Hammer]

stopped paying years ago. Years ago.

[Hudson]

Yes.

[Caleb Hammer]

This card is now. This is years ago. So what now?

[Hudson]

Well, before, I just. We were going out to eat nonstop, so I didn't.

[Kimberly]

We're just talking about right now.

[Caleb Hammer]

Why aren't you paying now?

[Hudson]

Now I just need to.

[Caleb Hammer]

Oh, it's a good reason for not paying. What the are you talking about, man?

[Kimberly]

Yeah, that doesn't make sense.

[Caleb Hammer]

You owe the whole thing.

[Kimberly]

Like, we're both aware that you need to do it. Why aren't you doing it?

[Hudson]

I got to the point where I had a payment plan and then I didn't have any money.

[Caleb Hammer]

Cause, well, how do you get on a payment plan? Again, you owe $1,715.54. Obviously, that is the total balance due immediate. Cause you just haven't paid in forever.

[Hudson]

Yes.

[Caleb Hammer]

The. Were you getting on here?

[Hudson]

That was being used for a lot of food back then. Yeah, that was for food mainly. Pretty much anytime we went out to

[Kimberly]

give food, staying in Indianapolis and stuff.

[Hudson]

Indy, Cincinnati.

[Caleb Hammer]

Indianapolis.

[Kimberly]

For the hospital and stuff. Yeah.

[Caleb Hammer]

Oh, okay. Thank goodness.

[Kimberly]

Yeah.

[Caleb Hammer]

This was.

[Hudson]

All these carts were. That one specifically is from that.

[Kimberly]

Yeah. Cause we stayed. We lived for a month in Cincinnati for his radiation and stuff. So that.

[Hudson]

Yeah, so that card pretty much got used for that.

[Caleb Hammer]

I understand that. But you gotta pay it. Contact them, get him out on a payment plan, if that's even available anymore.

[Kimberly]

Well, and I've even told him that, like, just give them a call. I mean, they deal with how many people every day that are like, I, you know, I need to get this taken care of. How do I do it? And he Just won't. He just won't call them. Oh, I. You'll email them.

[Caleb Hammer]

Why won't you do anything? I know she's probably a nagger and it's probably annoying. We don't like that. But why don't you do anything in the end? Make the call, send an email, do anything.

[Hudson]

Well, I got to the point where I sent emails. I didn't get a response from them, but I did set up a payment plan, and then it never got paid, so it just kind of fell off. And I haven't done anything with it since.

[Caleb Hammer]

Yes, but she is saying reach out, call, email. I am asking why today? You will not.

[Hudson]

Well, I have done it. I just haven't paid it.

[Kimberly]

Yeah, you set up a payment plan, but then never paid the payment plan. And now they took it back.

[Hudson]

Because when I. When? Whenever I was going.

[Caleb Hammer]

When was that?

[Hudson]

I'd say it was about a month ago. No.

[Caleb Hammer]

What the fuck?

[Hudson]

Two months ago.

[Caleb Hammer]

Can you make the payment now? Can, but that's gone. It's revoked. They revoked it.

[Hudson]

They took it off the payment plan. They took it off.

[Caleb Hammer]

Why'd you not make a payment two months ago? That's no longer Indianapolis.

[Hudson]

Two months ago, I didn't make the payment plan because I didn't have the money in my account.

[Caleb Hammer]

It was probably like 30 bucks.

[Hudson]

It was 150, I think.

[Caleb Hammer]

Okay. Yeah, it's a little chunkier.

[Hudson]

They did a six month.

[Caleb Hammer]

150 is a lot of money. Yeah, it is.

[Hudson]

At the time it was, but.

[Caleb Hammer]

So it was $1,067, which is what you guys spent going out to eat last month. So what the are we talking about now? Making $150 payment. That's a choice. That's a choice. That's not being responsible. That is not being good parents, even. Actually, I would say the food is the problem. The food is a part of the problem. Unknown shopping. An additional 984. We'll see where that went. Miscellaneous bullshit. Could be video games, could be trinkets, could be whatever. 987 bullshit on here most likely alone will range from 2,500 to 3,000, if not even more because of the large purchases as an additional 12. 1200. Now, why did you look at her when I said miscellaneous?

[Hudson]

Because I barely buy many things for myself, so most of them don't buy

[Kimberly]

anything for me either.

[Caleb Hammer]

Okay, well, someone is. Or combined, because this is minimum $2500 in bullshit. Most likely closer to 3.500in bullshit on a monthly basis when we're crying about not being able to do a $150 payment. Who the is doing what? Take some responsibility, both of you.

[Hudson]

Those trips to Target's gonna be in there.

[Kimberly]

Yep. And I. Yeah, I would say probably Target, but there's also.

[Caleb Hammer]

What are you doing at Target?

[Kimberly]

There's also $50 for.

[Caleb Hammer]

What are you doing at Target?

[Kimberly]

Buying for my kids.

[Caleb Hammer]

Buying What?

[Kimberly]

Formula is $50. We usually buy that.

[Caleb Hammer]

Is this what you're seeing? She's going there only for necessities.

[Hudson]

Not for necessities. There's necessities being bought, but there's other things that are being pushed to tell me about this.

[Caleb Hammer]

That's obviously what I'm asking about. You think I'm sitting here screaming about formula?

[Kimberly]

No. So when we go, we will walk through. We'll get everything that we need.

[Caleb Hammer]

You're kind of manipulative when we're walking. Manipulative. And what the. You're manipulating when you speak. The things that you were saying about him that we then learned was in your phone. And I say clearly miscellaneous. Bullshit. Why don't you look at her? Oh, it's Target. Okay. What's going on at Target? I'm getting baby formula. Obviously, that's not what we're talking about. Do you manipulate everyone around you? Does she manipulate you and people around her? Because she was in this conversation with screen time, with how active and tired she is, and then, oh, no, I'm at mental exhaustion. Oh, no. Actually, you know, I get on my phone only when things are done. Oh, no. He's on his phone all weekend.

[Kimberly]

Yeah, but that stuff's true. And he could.

[Caleb Hammer]

I mean, not on his phone all weekend. Actually, I saw.

[Kimberly]

I'm talking about me.

[Caleb Hammer]

Oh, it's actually just me looking at wedding stuff all the time on the Facebook marketplace. Well, it's still fun for you to do. You're doing that instead of things that actually matter. So up. I think you manipulate a lot. I'm really starting to see that clearly with that response of saying baby formula. You think I was talking about necessities at Target when he was talking about the bullshit you get. I was talking about the bullshit you get. What the.

[Kimberly]

Okay, I want to know what bullshit I've been buying for myself. That's what I want to know. Because I'm pretty sure every time we come back when we have bags, it's literally. Is it stuff we need? No, but it's usually I decide to buy a cute little outfit for our daughter or a couple pairs of pants that probably doesn't need, like.

[Caleb Hammer]

Well, that's bullshit.

[Hudson]

When you do this three times a week of different things that he doesn't. Yeah.

[Kimberly]

It's not like I'm just out here buying makeup and buying shoes and buying clothes for myself. Like it's. You make it like I'm this just. Oh, I'm just buying for myself and I don't care about anything else. And oh, I don't care about my kids. I just want to buy for me. When it's not even that.

[Hudson]

It's buying things that just gets thrown away or gets thrown away. Half the clothes that you bought for him, that was necessity. Was all given to goodwill or given

[Kimberly]

to somebody else that he grew out of or he's.

[Hudson]

Half of them had tags on them still.

[Kimberly]

That's not true. Right. Okay.

[Hudson]

The numbers would show up, too.

[Caleb Hammer]

I'm going to put $150 for the minimum. You need to call them back immediately, be a big boy and put the $150 to there instead of the 25 to 3500amonth on. Which is you guys combined. What a joke. Guys. Can't agree on anything. Do you agree on anything? What do we agree on? Can't even agree on getting married. Hey. When she says she's gonna move out to teach you a lesson. When she says, I'm gonna give you a week an ultimatum to get your shit together, show some signs of progress. What goes through your head when you hear that? What are you thinking, man? If I were hearing that, I would be actually a little nervous.

[Hudson]

It doesn't nerve. Doesn't get me nervous at all. Cause I know that she's lying with that stuff.

[Caleb Hammer]

I'll bark no bite.

[Kimberly]

I've moved out before.

[Hudson]

Where?

[Kimberly]

When I moved back to my dad's house.

[Hudson]

When was this? Was it with me?

[Kimberly]

Yes, it was.

[Hudson]

When?

[Kimberly]

When I was staying at your house. When everything was going on.

[Hudson]

And it has nothing to do with me. That's my mom.

[Kimberly]

It doesn't matter. I still did it. You think I won't do it again if it's not working out where you're not doing the right thing with you.

[Hudson]

You didn't. You haven't yet. When it's been about me, you have.

[Kimberly]

Is that what we're gonna do when we go back home? Do you want me to pack up and go? Because if that's what I need to do, I will.

[Hudson]

Yeah, but you haven't yet. You've said it multiple times.

[Kimberly]

Okay, so.

[Caleb Hammer]

Okay, it is kind of true. Ultimatums don't work if you don't Ever follow through with them?

[Kimberly]

Because I don't want to. I don't want to.

[Caleb Hammer]

I know you don't want to, but then don't put on an ultimatum. Cause it doesn't work.

[Kimberly]

I don't know what else to do.

[Caleb Hammer]

It'll never be respected, though. Yeah, but now no ultimatums even. They don't work anymore either.

[Kimberly]

Yeah, I know. That's why I'm like, what do I do then? That was like my last. Like, that's my first.

[Caleb Hammer]

Well, you might actually have to leave, unfortunately. For what it's worth, you can love someone and know they're not the best for you and your kids for the rest of your life. Not necessarily suggesting that. Cause I think you are a little bit of a manipulator and I think you are a little bit of a. Also the problem. And you do kind of treat them like a child in some cases with the ultimatums and stuff. And. Listen, is that gonna end a productive result? I don't really know. Treating him like a child. I don't wanna be a child like your ex.

[Kimberly]

I feel like I shouldn't have to do that stuff. Like, I shouldn't have to feel like I'm taking care of another child. I'm telling you right now, if I

[Caleb Hammer]

don't tell him, you have to feel like. I'm saying, maybe you shouldn't. And now you're saying, have to feel like, no, you're not the victim. No, I'm not at all times. But you just did. You immediately turned with me saying, is it the best that you always treat him like a child too? I shouldn't feel like I have to.

[Kimberly]

It's the truth.

[Hudson]

Yeah, but just don't. Why are you.

[Kimberly]

Because I already feel like a single parent every day. So my way to maybe not feel that way is to be like, hey, would you mind maybe giving our daughter a bath for me? Hey, could you wash some bottles? Hey, could you take out the trash?

[Caleb Hammer]

Like, I don't even take out the trash.

[Hudson]

I do take out the trash and wash all the bottles.

[Kimberly]

Yeah. Oh, sorry, sorry. You're right. You're right. You wash bottles. That is the one thing I know I can rely on in the trash when it's full and over, like, flowing.

[Hudson]

It's not overflowing.

[Caleb Hammer]

Buddy. How do you feel when she says she feels like a single parent that

[Hudson]

would, like, doesn't hit the home? Because she's just. She has to have everything her way. Every time I try to do something, it's not her way. It's wrong.

[Caleb Hammer]

Which is true.

[Hudson]

Why would I want to continue on doing it if it's wrong?

[Caleb Hammer]

That's not an unfair counterargument.

[Kimberly]

No, it's not. And that part I will say. There are some things that I like a certain way.

[Caleb Hammer]

Well, then you're forcing it to. Only you can do it, though.

[Kimberly]

But then what about all the other stuff that.

[Caleb Hammer]

What?

[Kimberly]

I don't know. Like cleaning up, picking up, helping out around the house. Like, the only thing I have.

[Caleb Hammer]

Is that what you mean, though?

[Hudson]

One little room. There's no picking up if there's a sock and a spot that it shouldn't be. It's the world. The whole day is over until that sock is picked up.

[Kimberly]

That's not true.

[Hudson]

Everything has to be.

[Kimberly]

No, it is not. It is because I want you to pick up after yourself. Like, I literally feel like you're a teenage boy living in my house. That's how it feels.

[Hudson]

Because everything has to be your way. Because it's. You make it your way.

[Kimberly]

Because there would be takeout food trash here and takeout food trash there and a diaper on the floor over here and a pile of your clothes over here. Yeah. No, our room is this big, so. Yeah, those couple things make it feel like the entire room is, like, cluttered more than it already is with four people in one room.

[Hudson]

And because I do it my way, I get you.

[Kimberly]

Don't do it. What's your way? Your way is not doing it because

[Hudson]

it's not your way.

[Caleb Hammer]

What's your way?

[Hudson]

My way?

[Caleb Hammer]

Your way is letting your Best Buy card go to collections.

[Hudson]

It did go to collections.

[Caleb Hammer]

Why?

[Hudson]

That one is before. That one Best Buy was Citibank.

[Caleb Hammer]

Right. I don't know what bank they have it with, but it's the best buying car.

[Hudson]

I think that's Citibank.

[Caleb Hammer]

Yes, Citi.

[Hudson]

Citibank was when. When he had the stuff in Cancer down in Indy.

[Caleb Hammer]

That was no Best Buy Car City Bank.

[Kimberly]

He's talking about the Best Buy card that you used to go buy your computer parts before you met.

[Hudson]

Before I met you.

[Kimberly]

I know.

[Hudson]

Going into collections was when?

[Kimberly]

Almost four years ago. And it's still not a payment on it.

[Hudson]

Best Buy. The actual card was before you.

[Kimberly]

Yes. Yeah.

[Hudson]

When it went to collections was when he had.

[Kimberly]

Yes. You still have a balance on it, even though you got the balance before you ever even met me.

[Hudson]

Yeah, that's because I was a dumbass with computer parts.

[Kimberly]

And you're still a dumbass. Cause you're still not paying it now

[Hudson]

because it's in collections.

[Kimberly]

It was in collections months ago.

[Caleb Hammer]

All that just to play Marvel's Rivals?

[Hudson]

It's a fun game.

[Caleb Hammer]

Okay. Monarch Recovery. Again. This must be another collection of yours.

[Hudson]

Correct.

[Caleb Hammer]

951.19. What is this now?

[Hudson]

That one.

[Kimberly]

I think that's the. Matt.

[Caleb Hammer]

You can settle at 60% off or in two payments.

[Hudson]

Monarch, isn't it?

[Kimberly]

The mattress.

[Hudson]

There's so many weird names for them.

[Caleb Hammer]

Listen, you can pay only $380 at one time and you'll wipe it out. Why not just do that? You guys make money. You spent over a thousand going out to eat, so why can you not make just a $380 payment, which should just go up like 15 points.

[Hudson]

I couldn't even make the $150 payment.

[Caleb Hammer]

But you can. You guys spend $2,500 minimum on bullshit on a monthly basis. Minimum. Minimum.

[Hudson]

You just gotta stop going out to eat so much.

[Kimberly]

It's not just that. It's other things, too.

[Hudson]

The other things is mostly you

[Kimberly]

saying, mostly me.

[Hudson]

What else is in there?

[Kimberly]

I don't know. Ask the guy with all the numbers.

[Caleb Hammer]

I mean, you're go through it. I mean, what was this for?

[Hudson]

If that's the one I think it is, I think it's for our mattress.

[Kimberly]

Not our mattress. Your mattress.

[Hudson]

But that was also a long time ago.

[Kimberly]

That's what I'm saying. This is all like residual stuff right before me. I don't understand how you still have debt from before we got together.

[Hudson]

Well, before, when I met you, I was paying minimum payments like you are now on yours. On all of them. And then a lot of them got. I just stopped paying them when I was covering the whole house.

[Kimberly]

Okay, but that was two years ago.

[Hudson]

Correct?

[Kimberly]

Stop.

[Hudson]

They went into collections.

[Kimberly]

Okay, so why didn't you call to take care of it? Why haven't you reached out to them to try and figure out how to fix it? How to. Like, you set up a payment plan with the national debt relief. I got that set up for you. So that they would lump sum it together and you would just pay them instead of distributing against these 12 things that you have.

[Hudson]

And you canceled it because they were doing. They were doing. That's when I started looking at TikTok. They were doing the same thing that I could have done myself.

[Kimberly]

Obviously not.

[Hudson]

Which I didn't do it then.

[Kimberly]

That's the point is that I helped you get set up to succeed and get taken care of. And even that you were like, no, I'm not gonna pay that. And you canceled it. What?

[Hudson]

Cause I figured I could pay it on my own time.

[Kimberly]

But you haven't for two years, so what makes you think that you can't. Like, I'm not. What am I missing?

[Caleb Hammer]

I have more collections. Discover 2237. What happened there?

[Hudson]

Discover was.

[Caleb Hammer]

Yeah, these are all for all you, man.

[Kimberly]

You know what's crazy? I didn't even know about that. I didn't know about the balance. I didn't know the balance. I knew that. I mean, I knew about them.

[Caleb Hammer]

What happened, man, I didn't know. You're this household's credit. How are you gonna. Dude, you're gonna get a sub prime loan on this piece of shit?

[Hudson]

The Discover card, Like, when was that? That was the one. I think that's.

[Caleb Hammer]

Why would you want to attach yourself to this guy for the rest of your life when this is his behavior?

[Kimberly]

Well, this is new information.

[Hudson]

So you knew about the Discover card?

[Kimberly]

I knew about the Discover card, but I didn't know you owed 2,000.

[Hudson]

Well, that's what happens when you don't pay it.

[Kimberly]

But I didn't even know what the balance was, so how do I. Yes, I know when you don't pay. I didn't know that there was 2,000. Yeah, like on that page alone, you've got five or so grand.

[Caleb Hammer]

You didn't know about any of these? In the green room, Colton said this was, like, blowing your mind like an hour ago.

[Kimberly]

I didn't know about Verizon. What is that?

[Caleb Hammer]

Yeah, Verizon.

[Hudson]

Verizon's that one. Honestly, should be on 400, but it is. That one screwed me.

[Caleb Hammer]

Oh, you. I mean, this is not how it works. What do you mean they screwed you? What a. Screwed you? What screwed you?

[Hudson]

We had Verizon.

[Caleb Hammer]

Hey, look at you. Brand new iPhone.

[Hudson]

That's too many.

[Caleb Hammer]

Caseless. Brand new iPhone. I see you. Yes. Can you afford that? She has a case. I can tell if it's new, but yours. I held it brand new.

[Kimberly]

Yeah, we got these together.

[Caleb Hammer]

Okay, well, then you're a part of the problem, too.

[Kimberly]

I didn't know about that.

[Caleb Hammer]

You accepted it. Yeah, but you're getting brand new phones. Can't even pay $150 minimum payment. What are we talking about?

[Kimberly]

He took the phones, and I was like, I'm fine with my phone. There's nothing wrong with it. It works just fine.

[Hudson]

We went to the place to see phones, and she got. She wanted it then.

[Kimberly]

No, you said, we're doing it.

[Hudson]

Obviously, I want it. I always get the new iPhone, which is just absurd.

[Kimberly]

I was Perfectly.

[Hudson]

And we also got an iPad that we didn't need.

[Kimberly]

Actually, I. I did need it for the job that I was doing.

[Hudson]

Do you take it to work?

[Kimberly]

I wasn't. That was the second job that I had that I was doing. What was that? That's what we got the iPad for.

[Hudson]

What job was that?

[Kimberly]

When I was an apprentice.

[Caleb Hammer]

Okay. Some financial services bullshit. Guys.

[Kimberly]

This.

[Caleb Hammer]

What a mess. There's been nothing you guys are aligned in anything. I have no idea how you guys will ever budget together. So this financial services. 13:29 Macy's. You have a Macy's card that went to collections with a. How

[Hudson]

Macy's was.

[Caleb Hammer]

She didn't even know about any of this. An hour ago,

[Hudson]

Macy's, $112. We went there and used that card.

[Kimberly]

Who?

[Hudson]

Me and you. When we went to the. When we went to the mall.

[Kimberly]

When you bought your cologne. Is that what you're talking about?

[Hudson]

That was not what we bought there.

[Kimberly]

What did we get there?

[Hudson]

We went there and we had to get stuff. What was upstairs?

[Caleb Hammer]

You pushing blame on her kids?

[Hudson]

Well, because every time we go out,

[Kimberly]

I don't have kids. Anything at Macy's. The only time we've ever gone. The only time we've ever gone to Macy's was to get your cologne.

[Hudson]

That's not true

[Kimberly]

news to me.

[Hudson]

We went there on the way. Else I got Christmas stuff too.

[Caleb Hammer]

And then you let it go to collections.

[Hudson]

I did let it go to collections.

[Caleb Hammer]

That's you. Capital one. Who has a capital one platinum?

[Kimberly]

That's mine.

[Caleb Hammer]

Okay, well, you have a balance of 346. The person who's so good at finances with the $25 minimum depayment takes almost two years to pay off. Interest accruing, it's not that far from maxed out. Probably was just recently. It's just accruing. So what the going on here?

[Kimberly]

Nothing. I mean I just make the minimum payment and I had it on auto pay.

[Caleb Hammer]

Why are we spending so much on bullshit then if we're not just paying this off? You could pay this off with a third of what you guys spend going out to eat. I'm so confused, you guys. Lifestyle makes no sense. You care about nothing other than going and just getting something to eat. Getting a trinket and so close. We don't need a bullshit.

[Kimberly]

I mean. I mean, I'm being told endlessly that

[Caleb Hammer]

you go in for just one thing you need, but leaving with five things you don't. And don't forget. I want you to be on the next Episode of Financial Audit. So go to calebhammer.com apply or click that link in the description below. You'll have a great. And I'm gonna roast the out of you guys. Just real quick. Don't forget to take your Hammer financial [e-mail]. see where you stand, where you got to do better, where you're doing. Listen, it just takes a few minutes and it is free. Figure out where you stand in the world of money, Caleb. Hammer.com. that's you.

[Kimberly]

Yes.

[Caleb Hammer]

When you can pay this off like this. You guys making $4900 net as a household together. No, I don't even think I did that math right. No, absolutely not. Wait, no, no, no. Yeah, it is 4900. Okay, good. With that in that shitty town, you guys are doing fine.

[Kimberly]

You guys are doing fine, yet somehow have no money. I don't know.

[Caleb Hammer]

No, no. Somehow you. I saw your spending. Somehow you. What are you talking about? Go in needing one thing, get out with five. You don't. You somehow you make this payment, get the rid of the minimum monthly payments and you have money. It's magic. What's wrong with you?

[Hudson]

If we stay home, we don't spend money.

[Kimberly]

Okay, yeah, we can keep on defaulting to that if that's what makes you feel better.

[Caleb Hammer]

Well, why can't you stay home a day? Why do you have to go every day? He's suggesting not.

[Kimberly]

We do stuff. Saturday, Sunday. That's it.

[Hudson]

Now before, when all this was going on, it's been non stop. We can't stay home for almost a day. Always leaving.

[Kimberly]

We are literally crammed in a room.

[Hudson]

So because we're crammed in a room, we have to eat.

[Kimberly]

It's miserable. I didn't. And it doesn't have to be spend money. As I said earlier, like if we just went for a walk, like just got outside with our kids. Our kids don't deserve to be locked in a room this big with you, me, both of them, their belongings. Our belongings. A dog.

[Caleb Hammer]

Like he doesn't have a yard.

[Hudson]

There's a yard.

[Caleb Hammer]

Well, what the.

[Kimberly]

Yes.

[Hudson]

And he has a playset outside. Oh.

[Kimberly]

That he won't play on because it's too small for him. Okay, go ahead.

[Hudson]

But it's still a playset outside. He can still play on it.

[Kimberly]

Play on it if it's too small for him.

[Hudson]

How?

[Kimberly]

We could literally go to the park. That's right down the street. But getting you to do that.

[Hudson]

But we don't.

[Kimberly]

Pulling teeth.

[Hudson]

But we don't. I don't ever I don't ever argue about it.

[Kimberly]

Yes, you do.

[Hudson]

I tell you every time we can go do it.

[Kimberly]

No, you only ever.

[Hudson]

But every time we do go to that park, what happens after the park? Well, let's stop here and do this and then do this. Every time we get in the car and leave, it's go somewhere else to never go to the park and then go home. And whenever we go to the park, oh, it's seven o' clock at night. We don't have time to make dinner now. Go to Cane's, go to Chili's, go to wherever we go. So if we stay home, we have no choice but to.

[Kimberly]

Okay, if we. Okay, so if we start staying home, are you gonna, like, do things with us? Like, would you sit down and color with your stepchild? Are you gonna sit and play with your daughter? Are you gonna.

[Hudson]

That's what I've been doing.

[Kimberly]

Conversate with me. I can't tell you last time we sat down and had a conversation as a couple. We don't talk, but it seems to me.

[Hudson]

But also, you're the one who has the. On your phone when we're together.

[Kimberly]

So nine times out of 10, when I'm on my phone, when we're together, it's because you bring something up and then we start talking about something and we're looking at it together. Looking at some things or researching something. Nine times out of ten, same thing. When you're on your phone, when we're together, occasionally you will actually do that.

[Hudson]

If I'm on my phone, it's. When we're. If I'm on my phone, it's me doing what I'm doing, which is during the week.

[Kimberly]

I don't think that there should be any time where I'm sitting with our kids, spending time with our kids, and you're just.

[Caleb Hammer]

You have a max out credit one. I have a what Maxed out credit one card. Yes, the worst card. Basically, you can get the definition of being bad at money.

[Hudson]

Stitch Fix. Stop shopping. Get styled. Not today, sweatpants. Somebody's wearing jeans that fit. No photos, please.

[Caleb Hammer]

I'm just a regular dad who happens to have a stylist. I really look my best when someone else makes the decisions.

[Kimberly]

Hey, we can all see you two way mirrors.

[Hudson]

Just share your size, style, and budget. And your stylist sends personalized looks right to your door. Stitch Fix. Get started today@stitch fix.com. i want to hug you. I'm gonna hug you. I'm coming. I'm coming in for a hug.

[Caleb Hammer]

You have that. You took that out. You maxed it out. So what the are you talking about? You owe 29276 with no $30 minimum depayment fees, interest accruing like crazy. Credit 1. What are you talking about? Going inside and getting some bullshit with this.

[Kimberly]

I don't remember exactly what I got that for. I got it years ago.

[Caleb Hammer]

Years ago. Yet it's recently maxed out.

[Kimberly]

How is it I haven't used it?

[Caleb Hammer]

Because it would be going down more if it wasn't maxed out. Just within the past at least six months.

[Kimberly]

I haven't used a credit card.

[Caleb Hammer]

It's impossible with that balance.

[Hudson]

That's what I'm saying. You pay these cards, but you use them after that. You're spinning in a circle going nowhere

[Caleb Hammer]

that month because it can't. There's only a couple dollars on there. You get maybe candy bar.

[Kimberly]

I don't.

[Hudson]

So it must have been that other one.

[Caleb Hammer]

What?

[Hudson]

The other card.

[Kimberly]

For what?

[Hudson]

Whenever you use it.

[Kimberly]

Please tell me the last time you saw me use a credit card.

[Hudson]

I'd say it's been about three weeks.

[Kimberly]

Yeah. You're high.

[Caleb Hammer]

What is this credit builder account you have? It has a 16% interest rate.

[Kimberly]

I've had it.

[Caleb Hammer]

It's pretty bad for a credit builder. And you leave a $356.45 balance with them with a $35 minimum payment. Then you have. You have a. You put. You gave. You got into CDs with them. $717 at 0.1% interest. 0.1% interest.

[Kimberly]

That card is what the.

[Caleb Hammer]

Do it.

[Kimberly]

That card's not the same as these.

[Caleb Hammer]

So you're a credit builder. I still know what I. I know.

[Kimberly]

But it. So I pay on it. And every time I pay on it, it builds it up and then I get it paid back out to me. It's not like it doesn't become a credit card. You pay all.

[Caleb Hammer]

You pay back out. Where's your pay back out going into your CD of 0.1%.

[Kimberly]

No. So I pay. What is it, 20, $30 a month or whatever. So I pay $35 a month, every month. And that all. So the balance on it isn't like a credit balance. I can't use that card. I can't use the money that I

[Caleb Hammer]

know you can't use it.

[Kimberly]

So it stacks up and then once I've reached a certain number, like let's say A$500. Like that's what the credit card is. Once I've paid that all the interest Everything, all that. They'll pay it out to me. So I get paid back, however, 7.

[Caleb Hammer]

100% of the interest.

[Kimberly]

Yeah, I got.

[Caleb Hammer]

So how are they making money?

[Kimberly]

I don't know how it works. I just know that I've done it twice where I've paid it, paid it, paid it. And it built up my credit and then I got a payout at the end. It's. I don't know.

[Caleb Hammer]

Well, I don't see what brand this is or else I would look that up. Oh, it's.

[Kimberly]

Yeah. I can't think of what it.

[Caleb Hammer]

No, no, no. I got this. No, you do not get the interest back. That's how they're making money. You have no idea what the. You're talking about.

[Kimberly]

No, but I do.

[Caleb Hammer]

But thank you for being so confident. You had to make me look that up and make me question if I was a reviewer. Dude, come on. No, you don't get the interest back. Yeah, you get the.

[Kimberly]

The.

[Caleb Hammer]

The balance back. We got the interest.

[Kimberly]

That's what I'm saying. So it's not.

[Caleb Hammer]

So what I'm saying is you are losing 16 on it. It's stupid. I know you're not spending it, but you did on credit building. You spent it on credit building. You are still losing that interest. 16%. You're gaining now that. Shut the. Okay, okay. I'm just gonna write this one off because the next minimum to payment will take care of it. Well, what is this? Affirm 8625.

[Kimberly]

That's you zip.

[Caleb Hammer]

What are you zipping?

[Hudson]

Zip.

[Caleb Hammer]

Zip.

[Hudson]

That's everything. We. I use that for a hot minute recently.

[Caleb Hammer]

Payment plan, everything. Oh, and here's another 27.

[Kimberly]

Keep going.

[Caleb Hammer]

Here's another 25. Let me pull up your zip. Let me see what you're buying. Let me see what you're buying.

[Kimberly]

He's using that card. More like a debit card.

[Caleb Hammer]

Guys. Why. Why are you zipping everything, man? You guys have money. You're ruining it at all.

[Hudson]

Oh, Food Christmas.

[Kimberly]

Yes.

[Caleb Hammer]

Saltgrass Steakhouse, 1:36. Think you can afford that? What the. You doing something? We'll consider half of it. Bullshit. Amazon, 344 Michael Kors. Soho. Japanese Bistro, 107. Like you guys are actually expending, like, expensive places. I mean, Texas Roadhouse, Buffalo Wild Wings, Jinya Ramen Bar. Not up there. Here.

[Hudson]

There.

[Caleb Hammer]

Huh? They have Virginia up there. It's gone that far.

[Kimberly]

Notre Dame? Yep.

[Caleb Hammer]

Jeez. Good for you, junior. Good Tangotsky Black.

[Kimberly]

I didn't know that that was like a chain.

[Hudson]

It's from Houston.

[Kimberly]

Interesting.

[Caleb Hammer]

I don't know who made it that far. Best nail Spa. Best nail Spa. Yeah. So you're spending almost 80 bucks a pop there. Multiple times. Athens Jewelers. $553.

[Hudson]

Now that's the ring

[Caleb Hammer]

sake. Olive Garden, Camellas, More Athens Jewelry and Other. 506. Our T mobile bill 148. Kill me now. Notre Dame Outlet Center. They literally refuse to play football games. And yet you still buy their shit. That's pathetic.

[Hudson]

Go Irish.

[Caleb Hammer]

Yeah, if they play. Trade Winds Restaurant. Olive Garden. This is a joke.

[Hudson]

It's gonna be all food.

[Caleb Hammer]

Pathetic. Listen me and I'll get you a course career certification so you can at least make more money. One of you. Okay, people in the audience. Convert those into a six figure paying job. You can too. So you need to make more money. Helps us get out of this debt. But that's if you do not lifestyle inflate yourself. Oh, for sake. What's Bridge Quest? Oh, Ford Fusion. Your car. Sake for K. Good. You got a Ford Fusion? $14,159.23. The minimum monthly payment of what I pay.

[Kimberly]

344amonth.

[Caleb Hammer]

Oh my goodness. Well, that's gonna stack. What do you think it's worth?

[Kimberly]

We actually just recently checked. My. My car's only worth like six grand.

[Caleb Hammer]

Six? We got nine.

[Kimberly]

Really?

[Caleb Hammer]

Well, trade in might be six. We got nine. Private party. Okay, so that actually might make sense. And you want to make that even worse? Buy a $30,000 car. That'll be worth like 15 immediately.

[Hudson]

20. 24.

[Caleb Hammer]

Thing. It's a Mustang. What are you doing? It's pathetic.

[Hudson]

They're nice. I like them.

[Caleb Hammer]

No, they're not. I know you don't. No. Oh my gosh.

[Hudson]

It's better than the Nissan Altima. Things.

[Caleb Hammer]

Horrible. Yes, it is. Everything is like what? Yeah. A few shitty cars and you're still picking one. Okay, Bullshit. Panera Bread, Burger King. All this money that hey, we can't put towards our minimum payments. Apple Cash. Subway going to take it into bullshit. What are we doing when we stop in a gas station, get something for $2. What are we doing? Who's doing it?

[Kimberly]

This is.

[Hudson]

What is this?

[Kimberly]

Cash app. Right?

[Caleb Hammer]

You went into Citgo. $1.59 cash app.

[Hudson]

That's because. That's because I have a trick when I cook at Subway.

[Caleb Hammer]

Inform me.

[Hudson]

Well, if you go to Subway at a gas station and you use the footlong deal, you get a footlong for seven bucks, then you get a pop. Because I'm not spending $3 on a pop from Subway. So I buy it from Citgo for a dollar, whatever it is.

[Caleb Hammer]

59.

[Hudson]

Instead of paying $17 at Subway, I spend 8.

[Caleb Hammer]

That's your trick?

[Hudson]

Yes.

[Caleb Hammer]

Buying something that's still more expensive than buying in bulk.

[Hudson]

Everywhere I go, when I go out to eat, it's all with whatever trick discounts.

[Caleb Hammer]

Or if you want a trick, buy it in bulk, then take it with you. And then it's like 50 cents a can. And also you're going a bottle. You can buy the bottle ball.

[Hudson]

Bottles aren't the same either. No fountain drinks.

[Caleb Hammer]

Oh for sake.

[Hudson]

Fountain top. So much.

[Kimberly]

This is also the same. So when we do the grocery thing, when I was like, let's go grocery shopping.

[Caleb Hammer]

Subway. Do you have taste?

[Hudson]

They got a really good chicken bacon.

[Caleb Hammer]

No, buddy, you're ridiculous. You go for the caffeine or do

[Hudson]

you go caffeine before we eat caffeine?

[Caleb Hammer]

There you go. Gamer subs. 40 cents a serving. Make it yourself. Shake it, shake it, shake it. 40 cents a serving. Caffeinated. 10 off. Using my code Caleb link in the description below, get your free samples, see what flavor you like and then you get 40 cents a serving. You're making that at home now? Okay, there's the caffeine free version for hydration electrolyte drinks. Or there's the caffeinated version. Stop being a weirdo, man.

[Hudson]

There's electrolyte drinks too? Yes, I need those for work.

[Kimberly]

Okay.

[Hudson]

Thanks

[Caleb Hammer]

for work. I thought she said you did. No physical labor.

[Hudson]

That's what she thinks.

[Caleb Hammer]

They're very good. They're honestly some of the yummiest drinks you will literally ever have. They're seriously, it blows everyone's mind.

[Hudson]

Is this queso?

[Caleb Hammer]

Yep, that one's queso.

[Hudson]

No, it is queso. Okay.

[Caleb Hammer]

McDonald's, Dunkin Donut. Sending someone $62.50. What for weed? What are we doing?

[Hudson]

62?

[Caleb Hammer]

Yeah, that's our rent.

[Hudson]

Yeah.

[Caleb Hammer]

And you can't pay off debt. You guys are broken. Yummy Bowl, Cinemark McDonald's, Taco Bell, Texas Roadhouse. I think I'm gonna give me some Texas Roadhouse later. That sounds good. Burger King. I can afford it. Well, go ahead and get into bullshit. Apple Cash sent out $139. Monarch Recovery Management. So you went on a minimum depayment there?

[Hudson]

I did do one with them, yes.

[Caleb Hammer]

Which one is that? That's which one. Can I add a minimum payment to for that to wipe out Monarch?

[Hudson]

I think is the matches.

[Caleb Hammer]

The what?

[Hudson]

Monarch.

[Caleb Hammer]

It's what What?

[Hudson]

It's like the one that had the six month.

[Caleb Hammer]

Yeah, yeah, yeah. What is that? The discover the mattress.

[Hudson]

The Verizon mattress, I think.

[Caleb Hammer]

Mattress. Okay.

[Hudson]

I believe so.

[Caleb Hammer]

Okay, so what is that? Oh, so instead of the pay all. And what is that?

[Kimberly]

115 instead of that $300 pay once

[Caleb Hammer]

thing, you're gonna pay 116 six times instead of $300 once. Wow, that's smart.

[Hudson]

It works better.

[Caleb Hammer]

You're gonna continue breeding with that brain power. His little trick with fountain drinks. Yeah. Okay. Mission Barbecue, Dairy Queen, Dave's Hot chicken Raising Cane's, Burger King, Amazon, Dunkin Donuts. Going in and getting your little trick drink. Wendy's Sushi, Cinemark Taco Bell, Taco Bell, Apple Apple, Wingstop. You guys are spending so much money. This is insane. And you can't make a payment. Get off. Hibachi Apple, Amazon, Taco Bell, McDonald's, Cinemark. Sending out money. Steak and shake. I'm a steak and shake. Spotify Chili's Grill and bar going and gets taken into marshalls for 200 sending money. Kohl's $200. Taco Bell, Olive Garden. When is I got some raising canes Steam.

[Hudson]

Oh, what's that one?

[Caleb Hammer]

I don't know. 11 bucks. Sounds like in game to me. Skins, Marvel rivals.

[Hudson]

Could be.

[Caleb Hammer]

Mm. Going inside. It is a bullshit E A 18. Paramount Plus.

[Hudson]

I didn't know about that.

[Caleb Hammer]

Why Paramount Plus 90 sent out to someone. Burger King. Chipotle. Chipotle prime video. Burger King. This is pathetic. This is pathetic. This is. You use cash app advance

[Hudson]

me borrow.

[Caleb Hammer]

Oh, there it is. Oh, there it all is. Actually, I just flipped the page and there it all is me man. Apple cash. Okay, good. Is this your cash app or does he have a second cash app?

[Kimberly]

That's probably mine.

[Caleb Hammer]

Oh, for sake, guys. What inside got some bullshit smiley. Indoor playground and arcade. $46 sent 175 out. McDonald's send $5 out. Send $5 out. Sent $150 out. It's pathetic.

[Kimberly]

Yeah.

[Caleb Hammer]

This is why I like chime the

[Kimberly]

send out on mine is my like

[Caleb Hammer]

paying times better than cash app better High yield savings account and you get $350 and you set up direct deposit using my Link. Get a $4,350 right now. When is I got some bullshit Dunkin Donuts. Oh my gosh. I'm about to kill myself the third bank. Who has this?

[Kimberly]

It's me.

[Caleb Hammer]

It's crazy seeing this shit that is like local to my past life Burger King. Well, that's not Local to my past life holiday photo. Going to second ends of bullshit buyer's market. Bendix family's restaurant. Cash app. Cash app. Dunkin Donut. Cash App. Good in some bullshit New China. Ben Soft. What is it? Like ice cream? I don't know. Cash app. Cash app. Cash app. Cash app. Cash app. Snack. Chili's. Chili's Dunkin. Cash app. Cash app. Best nail spa restaurant. Olive Garden. New China. Best nail spa. Bullshit Nintendo. Bullshit Cash app. A chiba. Ichiba.

[Hudson]

Ichiban.

[Caleb Hammer]

Ichiban.

[Hudson]

Yeah. What?

[Caleb Hammer]

$50. What is that?

[Hudson]

The buffet?

[Caleb Hammer]

I'm gonna die.

[Hudson]

Ichiban. Oh, no, that's the place by the house.

[Caleb Hammer]

Apple Panda Express. Cash app. Cash app. Cash app. Cash app. Cash app. Cash app. ATM withdrawal. Who knows where that $40 went. Some going inside into bullshit, I think. Cash app. Cash app. Cash app. Bullshit Cash app. You went inside and got some bullshit too. $3 gas station. What the is wrong with you guys? Notre Dame never even went there. But you got a checking account with him. Oh, got an overdraft fee. Bro, you're just overdrafting left and right. Why do we have another cash app? 0 bucks. I don't even know what's happening.

[Kimberly]

That's your savings, isn't it? Yeah. This is his savings account.

[Caleb Hammer]

Wow. Thrilling. 20 cents. What a father. $91 in yours, not much better. Plus another 53 in that one. Pathetic. Cash app. Investing $12.11. Wow. We're just doing so good. What about the savings for this car? What is this? I save $200 a month.

[Hudson]

Savings for the car only came after

[Caleb Hammer]

tax season hit of which this just is now.

[Kimberly]

Yeah.

[Caleb Hammer]

So you're. You're amazing. $200 a month as you have $200 set aside once.

[Hudson]

No, it's a little. It's a little more now. It's probably like two grand.

[Caleb Hammer]

Okay.

[Hudson]

It's a little better.

[Caleb Hammer]

Do you believe that she is shocked face?

[Kimberly]

No, you have more than that in there.

[Hudson]

More for the car.

[Kimberly]

Yeah, I just saw it.

[Caleb Hammer]

What. What is happening? How much?

[Kimberly]

I'm pretty sure when I just looked at you had like 53 in there.

[Hudson]

That's. That's not all for the car.

[Caleb Hammer]

Well, congratulations. You're keeping about. Well, let's figure out what you need to survive. And you're taking the rest and you're throwing it to debt and that's not an option. I don't give a. And you're going to continue using your mom's car or her car. I don't give a shit. We're sharing cars. We're Dropping each other's off. Welcome to what Americans did before, like the previous 20 years.

[Kimberly]

You mean the suggestion that I made that we share a car for a little while?

[Caleb Hammer]

Yes.

[Kimberly]

Yeah.

[Caleb Hammer]

It's okay to have a little sacrifice. 4900 is what comes in. Thank you. Is what you're going to say to me, by the way, for paying net taxes. So you guys can take taxes because that's why you have that 50, whatever sitting there. Welcome. Because of the children. I give you money. You're welcome.

[Hudson]

Thank you.

[Kimberly]

Thank you.

[Caleb Hammer]

Okay, good. Call me daddy next time. Love writing my checks so I get wasted on people who refuse to sacrifice on their own debt. Minimum payment 739 cents. Rent currently. What is it? It's weird.

[Kimberly]

500.

[Hudson]

Yeah.

[Caleb Hammer]

Okay. That includes everything. Utilities, Internet, all that stuff.

[Hudson]

Internet's separate.

[Caleb Hammer]

Oh, how much?

[Hudson]

75, I think.

[Caleb Hammer]

Okay. Yeah.

[Hudson]

7. Yeah. 75.

[Caleb Hammer]

Okay.

[Kimberly]

I don't. That.

[Hudson]

That's all me. I pay all that.

[Caleb Hammer]

Okay. He has to get his high frame rates. Phone bill, what was it? I saw like a 150.

[Kimberly]

150. It's like 255.

[Hudson]

It's split. So that's why I said off.

[Caleb Hammer]

Gas. Vroom, vroom. Drive. Drive. How much

[Kimberly]

for probably.

[Hudson]

What year is it?

[Kimberly]

We'll just say $160 a month.

[Caleb Hammer]

Okay. Car insurance?

[Kimberly]

I pay that. It's 111 necessary.

[Caleb Hammer]

Food. You two kids, how does food work in this house while you live there?

[Kimberly]

We don't really have anywhere to put food, so.

[Caleb Hammer]

So they take care of it.

[Kimberly]

No.

[Caleb Hammer]

How does it work then?

[Kimberly]

That's why we eat all the time.

[Caleb Hammer]

If you shop. If you get a little cooler.

[Kimberly]

Oh, sorry. We have a drawer in the fridge.

[Caleb Hammer]

Okay.

[Kimberly]

That we can put.

[Caleb Hammer]

Dude, get a Facebook Marketplace. Cheap little fridge. It's okay.

[Kimberly]

Yeah. So that's what I thought. That's what I wanted to do. And then it was three.

[Caleb Hammer]

I don't care anymore. That's what you're going to do. Okay. Three kids. We can do two kids plus. You guys follow that. You're doing meal prepping. It's not the most fun, but it's fine. $900. Anything else you guys need to survive on a monthly basis? I'll do $300. That is. That is school activities. That is whatever. It changes per month. Medical, health care, co pays on a monthly basis. Any.

[Hudson]

No.

[Caleb Hammer]

Okay. Is there a gym?

[Kimberly]

No.

[Hudson]

No.

[Caleb Hammer]

Okay. Subscriptions? Let's try 40 bucks a month. You said there's a dog?

[Kimberly]

Yes.

[Caleb Hammer]

Age? Health?

[Kimberly]

Eight. He's good.

[Caleb Hammer]

Okay, let's try to get pet insurance. 50 bucks. How much for pet food? Dog food?

[Kimberly]

40 every probably three weeks. So we'll just say 40amonth.

[Caleb Hammer]

Okay, 40. Anything else that needs to be in this budget?

[Kimberly]

It's a chance. Subscriptions is probably more than.

[Caleb Hammer]

Well, no, it's not. You're cutting it down to 40.

[Kimberly]

Okay.

[Caleb Hammer]

You're lucky I'm even giving you that. I used to give zero.

[Hudson]

I've been paying a lot more in gas recently.

[Caleb Hammer]

Well, should I make the gas up? Yeah. You guys are going to be sharing a car now.

[Hudson]

Oh, well now then no.

[Caleb Hammer]

Until you give that car back. I would use it but now the

[Hudson]

Cadillac converter is bad. So it's like 12 miles per gallon.

[Caleb Hammer]

Okay, I'll boost up gas to 200 from 160 or more. Okay, so plus 40. Gotcha. Listen, I mean you will be able. You guys are just responding. It's just because you spend it all on fun. It's because you spend it all in fun. Yeah, you guys are totally able to get out of this. You have an extra $2,228.61 a month. I'll give you fun of $228.61. Okay. All your savings above 2,500, you're cashing out and you're throwing it towards debt today. That is not an option. You hear me? That is the reality. You are not getting your car yet. Our debt situation, including collections, $25,861.26. You are going to wipe out about 2500. So you have 23,000 hours of bad debt of 2000 hours to pay. You pay it off in less than a year. Then we save up a fully funded a six month emergency fund and I think about six months, maybe even less then you guys can move out. You can get married before then as long as you actually start seeing some behavior change. But you guys are moving out in a year and a half. Living a great life. Living 50, 30, 2050 on needs. 20 on investing. 30 on fun. Living a great life, make a good income for the area. You're totally fine. Off. This is the one of the easiest situations I've ever seen in my life. Life just requires a little bit of budgeting, a little bit of sacrifice and actually combining your and getting on the same page and communicating. Maybe go to couples therapy. Off. So easy. What I want to call this dad who actually is, I guess needs to stand up to you for the first time in the post show and we will talk more about oh some other things they didn't want to talk about in the main show. They wanted to wait for the post show because there's less people watching. Okay, let's get the Hammer Financial score. Spending in a budget. Let me see. You brought in 8200 which is actually how. Oh, oh, okay. Most of it's taking out debt. Never mind. Okay, actual pay is what you said where we spent 7,006. So. Okay. 0 out of 10. You ever spent debt? There's questions. 0 out of 10 emergency fund now I'm glad you have some money then should go to debt now. I'm only considering that about a 2 out of 10 on the emergency fund because you need to pull money out, put it towards that and you'll still have collection. So off retirement, 0. Real estate, 0. Hammer financial score round up 0.5 out of 10 get yours@caleb hammer.com click join join hammer LE the best membership on YouTube where you get three premium, incredible, high quality shows posted every single day, six days a week, including an extra 20 minutes of this episode called Financial Audit Post show. It's going to be a good, good one. What could you not talk about in the main show?

[Kimberly]

I don't think that we should be paying for.

[Caleb Hammer]

I don't like that.

[Hudson]

Hello.

[Kimberly]

Hey. So we're so, so. Oh gosh. I. I really don't want to know.

[Caleb Hammer]

Hammer Elite is the best YouTube membership on the platform and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pin comment or description below. This is the best membership you'll ever join. That's a promise.

[Kimberly]

Some follow the noise. Bloomberg follows the money. Because behind every headline is a bottom line. Whether it's the funds fueling AI or crypto's trillion dollar swings. There's a money side to every story. And when you see the money side, you understand understand what others miss. Get the money side of the story. Subscribe now at bloomberg. Com.