She's Destroying Their Marriage | Financial Audit

- To watch episodes of Financial Audit a week earlier, check us out on YouTube. - We had a conversation, I got arrested over it. - She got you arrested? - Yeah, over having found my iPhone on. - And she immediately called the cops? - Yeah. - Oh my, check on me. - That's a lie. Once again, his communication is shit. - Okay, what are the issues then? - He doesn't do anything that I ask him to do. I try and try and try. And that's the only way I get heard is if I lose my mind. - Why are you with her? - The dynamics is good. - Is it? - You don't really seem to care, which is kind of crazy. Like, I don't know. Really, the only thing would be like an ultimatum, her leaving, but I don't think she cares enough to leave. - I don't think she can afford to anyway, so. - What are you trying to say? - It's been 11 years and you haven't figured it out now? - Dollar Wise is finally here! Sending waves through the personal finance world. This is officially now the best budgeting app on the market. 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Go to calebhammer.com/apply or click that link in the description below. - Hi, I'm Taylor. - I'm 35. - I'm Cam, 34. We're from Central Arkansas. - And this is Financial Audit. - Yes, it is. Thanks for coming over. Taylor, what do you do for a living in that Central Arkansas? - I work from home processing workers' comp claims and basically feel like a single mom. - Single mom living there because he's gone all the time on a boat. - Work on a boat. - Oh, okay. Well, that would explain why you're on a boat. - Yeah. - Yeah. - Offshore, pretty much. - Hold on, I'm not asking you any questions, but I'm glad you're excited to talk. I still need to know what you're making 'cause you didn't let me answer that. You immediately started talking about him when I was just talking about you. Yes, and your job, the job that you work from home. You made sure to clarify that you work from home. - I work part-time right now. I make like- - From home. - Yes. - $400 every two weeks 'cause you know, being at home is overwhelming. - For me, is it? - Yeah. No, maybe not just that, but everything else, yes, definitely feel really overwhelmed and all by myself all the time. - That was the right thing to do, Peter. - I think I would also abandon the house quite frequently if this is- - Yeah. - What it's like at home. - Okay, how much part-time is part-time? 'Cause that's very part-time to only get 800 bucks a month. - 20 hours a week. So $15 an hour, that's- - So something's really built up, hasn't it? 'Cause you're really just kind of coming out of the gate with this. They didn't even let me ask what's going on. You're just like, okay, here's my chance to just be a- Okay. - Yeah, I work a month on 12-hour days- - On a boat, right? - Plus 19-hour days, yeah, on a boat. - Okay, Cam, yeah, tell me about this boat. Go ahead and just say the stuff you just said again. - So I work inland. We go like pretty much Texas to Louisiana, back and forth, moving- - Doing what? - Moving like crude oil, pretty much. - Okay, what are you? What are you, what's your job? - So I'm a tankerman. I load and discharge barges and I just went to school to get my pilot license. - Love it. - So I'm working on getting my pilot license right now. - Really? - Yeah, be driving the boats instead of- - Oh, that kind of piloting. Okay, I was gonna say, I would not appreciate if you walked on a plane that I was on and then piloted it. - That's my credo, no regrets. - Okay, what do you make in this job? - So I don't make hourly, I make day rate. - Okay. - And my day rate is, so 385 right now. - Sure, so what does that come down to monthly? Your average month? - So it's kind of, I work- - Your average quarter? - Well, okay, so I work- - Average year. - 28 days on, 14 days off. - That's wonderful, what do you make? - So it changes every month. - Great, that's why I said what, how much a year? - A year, roughly like 110,000. - Wow, we're complaining about that, that's interesting. You know, these people that go, when they go work on the oil fields out in West Texas, or those that go work in the Gulf on the rig, or those that are out there working in the fishing boats and doing things like he does, you know, they make a lot of money. And the reason is, is because, yeah, a lot of people don't want to be from home, but then they do it and they make a lot of money. And that's what he's doing. - Oh, I definitely appreciate the money, but being home and working 24 hour shifts with everything else that has to be taken care of. - You get the money with the job. How do you think money comes? She's still smacking your lips. - I mean, it has to come from somewhere. - Oh, she's still smacking her lips. Do you have a drink of water? - I do. - Let's consume a lot of that. - That sounds like too much. - She's even smacking it, just like smiling, that's crazy. Okay, great, I mean, you're killing it, dude. Is that what hits your account on a yearly basis, 110, or is that before taxes? - That's before taxes are taken out. - What are we going to think, like 75, maybe? Okay, so. - Yeah, 75, 80. - So you're probably just averaging like 62,000 or sorry, 150 bucks a month. Obviously, yes, up, down, I get it. So, okay, I really need to internalize this, maybe even like drop for myself, 'cause I'm a little. Break down your time away from home and then time at home, 'cause clearly that is an issue to this thing. - So I work 28 days on the boat. - Okay. - 14 days at home. - Love it. - That's it, but I ride over a lot. So like I'll do, we call them hitches. I'll do usually like sometimes two hitches. So I'll be gone for like 28 days, my 14 days off and another 28 days. - You said stay-at-home mom, that sounds like children. - I do have two children. - Very good, ages. - Well, one's almost. - Stop smacking your lips. What is actually wrong with you? No, it's not. It's actually not. When I talk, I go before everything I say. - I don't even notice that I'm doing it. - Well, you're doing it. - Well, I will try. - Ages. - Oh my God, I did it again. One is almost 16, will be in November. - Oh, sh. - The other one. - Did you make that one? - No. - No. - Oh, well that's not his fault for having this job. - No, the second one is though, she will be 10 in a few months. - And you made that one? - Yes. - At 24? - 25. - Yes. - You were 34? - Originally. - Okay, so her birthday's in November. I mean, December. - Whatever, okay, that's fine. - Close. - Was he doing this job when you had the 10-year-old? - No. - What was he doing? - Working at AT&T. - What job would you prefer he had? - That's hard. What job, perhaps, would you prefer he had? - I guess this one. - Oh, that's interesting. - Unfortunately, because the is better. - Why the are you, what are we doing? Bro literally goes and grinds his ass for 28 days, and then he has to hear you're bitching and moaning about how he's not there for the next 14 when he's home? - Yeah, 'cause he only has one job when he's gone. The boat. I have 37 of them. There's seven other things I have to take care of by myself while he's gone. Not talking to me half the time. Doesn't have service. - So, the alternative is he can get a lower-paying job at home. - Yeah, but he doesn't want to do that either. - Do you want him to do that? - He ain't gonna listen to me. - Does it matter? Do you want that? Given the choice, do you want that? - At this point, it would be really hard, but yeah, I mean, it would be nice to have some help at home. - With less money. - Yeah, that would make him a lot better. - With less money? - Hard, so, I mean. - With less money? - No, I don't need less money. - Okay. - There's no way we should do that anymore. - So, you are okay with it then? This is what you are choosing. - Not necessarily choosing, but don't really have any other choice in Arkansas. - No, no, no, no, no, no, no, no, no. - I do want both worlds. - Because you're an impossible person to work with. I already know people like you. You're impossible. You want him to make more money, but you want him to have the job where he doesn't make as much money. So that he can do all these things. - She's mad because she thinks, like I make in one day what she makes in two weeks. Pretty much. - You're jealous? It's a jealousy thing? - I just feel a little bit pointless. - Why do you think it's a jealousy thing? Well, yeah. I mean, you make $800 a month, yes. - I mean, she was full-time and then just went part-time, like recently. - Yeah, I was gonna say. - And she's gonna be going back full-time. - I'm not taking care of the infants at home. When she said stay-at-home mom, I thought she was raising a couple, like two and three-year-olds. - No. - No, you gotta, dude, they're basically, a 10-year-old is basically sufficient. - They take care of them. - Yeah. - They take care of themselves. - They really do. And also, they go to school the vast majority of the year. - I mean, yeah. - Put 'em in a summer program, you make good money. - They have a lot of extracurricular activities. - There's no programs in Central Arkansas. I mean, not this. - Send them to summer camp or. What do you think? - You're all Christian and I'm not really about that life. - That's also just not true. You can go to any summer camp anywhere. You guys make good money, you could fly 'em to any summer camp you want to. They could go get touched - I don't know if they're gonna do that. - by a theater person and interlock 'em. - Don't think they want to do that. - Is it their choice? 16-year-old, they don't really care. 16-year-old, like, yeah, at that point, yeah, dude's. make that piece of shit go get a job yeah but like the 10 year old yeah i don't understand what is the stay-at-home mom thing at this point you're driving them to some activities here and there okay great that's wonderful what this is not a three-year-old what are we talking about here i mean there's a lot that goes into being a parent no one says there isn't but the way you're making it sound like they're newborns and he's just not there no just a lot of responsibility that's all on me that okay how much for the 16 year old though i mean he has banned that he we're talking about when school's in session though i did ban to 16 i drove myself to band well he hasn't gotten to that point yet he's not 16 until november so it's been all why did you say 16 i said all first of all i drove at 15 like half the time he's in his dad's house half the time he's choosing not to then he doesn't get to do all the fun stuff that is the part of growing up and learning how to become an adult in your life late teens i mean he has his permit and he drives sometimes but there you go then he then why would you drive him i'm confused why you're forced to drive another factor it's like three hundred dollars a month i don't really give a you guys make really good money you can do that well this hasn't been factored in yet apparently so that hasn't been an important thing you're actually like a stupid person so let me help you may i have the whiteboard i i think i need to like do a little drawing for you okay i'm not trying to be mean but actually i kind of am um oh nice fresh pen so uh there are two options here there's uh your income stays here where you don't pay any car insurance or you pay a little bit of car insurance and instead of driving him around your income goes all the way up because you work like an adult i mean i'm really confused because i grew up with more siblings than the household that you're in right now and both my parents worked full-time jobs and we did this 100 happily well what is your issue go to college there's that well that's different you didn't tell me that how the would i assume that i don't know you i don't know you we're not friends i don't know you my bad i guess i should have brought that up yes context things for me to know would be good so tell me about your college because that is good that is good i can appreciate it college i'm going for a nutrition degree um but i'm doing it online with purdue global why nutrition i mean they make okay money at some point but it's a very competitive field right um i've kind of gone the own my own business route i've trained you suck you're putting this all on him who's actually going to make you like working a hard job making real money and you're honestly doing passion projects yeah pretty much how the this is possibly this problem i'm gonna be going so hard on you if not the first question i ask you immediately try to throw him under the boat this is fucking insane well i feel like it's more his fault that we're in this position how possible okay how please your turn well because when i'm at home taking care of everything i'm not spending any money except for on food and on basics on things that my kids needs he's over there on the boat scrolling his phone on his phone and he's like i'm gonna go to the his free time buying whatever the hell he wants and doesn't tell me about it spending thousands of dollars and then i look at the account and we have like i don't know 150 left and three other bills that we have to pay for like how is that my fault that he's just spending it and not telling me anything cam um but it's not like big purchases all at once uh i affirm a lot of stuff so why are you doing this well i don't like to see the big numbers come out the account so i'd rather have like a bunch of little fragmented charges here okay so leave them i don't know what do you want later sounds like he recognizes like i don't know i feel like money what are you doing it's not real you know i'll get paid again well i think food and college paid for and roof over the kids houses which are paid for by money are very real i feel like college like i'm not gonna pay for my kids is college you don't have to if you don't want to but food and roof i would encourage i mean food i get that but that costs money utilities but those are the things that are always paid like it's not like if you spend all your money on things you don't need they're not so how do the conversations are paid and like a thousand dollars will come out in payments and i'm just like how am i supposed to pay the bills when you have this much coming out in payments that i had no idea that was going to come out and then i'm trying to juggle everything by myself and you're just on the boat having a good old time okay so how do the conversations go in this house then because clearly there's a problem and you're both kind of recognized yeah but you have a big issue with it and even though you recognize you don't really seem to give a shit so tell me how this is talked about in this how does it go talk a whole lot and he's like a wall that i don't talk about it i mean if i make the money like and i want something i usually get it um at the end of the day like that's how it's going to be and i'm like i don't know how to do it i don't know how to do it i've always been that way um i want like a father yeah i mean like i didn't have a lot growing up so like i want the kids to have you know everything they want is it all for the kids that most of it like probably 90 of it is for the kids but they probably enjoy you know not having to worry about money every two weeks too do they know no they don't i mean they know that i can't go do certain things that we usually like not necessarily no no but they know that i have to cut back when i do i mean i have to yeah they they enjoy doing the things we do i mean we'll go out you know take little trips here and there and we haven't taken a trip in a year because you've spent too much money went to vegas that was a year ago yeah i mean last september a year ago basically a year ago buddy yeah but then also worked from january to may straight like no i mean i have no issue with your work i'm not home so like how are we gonna do this i'm not gonna do this i'm not gonna take trips if i'm not home or without money uh okay well where does it again okay so you try to talk to him and then what happens he well if he's on the boat he's oh i don't have service oh he might not have i mean i don't i don't always have service he can just check out on the water dude and even when he does have service he might have to work it's a he just checks out he will like completely ignore the whole entire conversation that i try to have i mean sometimes for days i understand on the boat it's different on the boat i mean at home we try but then he's always like oh i'm only home for two weeks i don't want to deal with this shit when i'm home that is just being an adult you do have to grow the up you might have to have the conversation then you have to have it at some point same conversations over and over why do you think that is you have that conversation i'm not gonna just keep going back to the same conversation why do you think the same conversation keeps happening over and over because she doesn't want to hear what i have to say okay okay that's great what do you have to say let's hear now maybe maybe she'll listen maybe she talks over you the whole time i don't know i'm not gonna let her talk i am here as the third party what do you have to say what is your argument what is the reality so i'm gone a month i come in for two weeks and i don't want to have the same conversation about you know spending money or an argument that we had before i left out on the boat it's like i don't i don't i don't want to argue yeah i don't well hold on that's not an argument of the argument itself you're literally just arguing you don't want to argue i don't argue at all no i feel so alone crazy i mean yeah i mean there's like i just don't want to have confrontation yeah but no adult conversations or help with any kind of decisions whatsoever because it's always so convenient that every time i try to talk to him he's like i don't want to have a conversation with you oh doesn't have service conveniently okay well that might actually be fair that one i'm okay that one days for days he's on the water he texts about other things but he won't answer me i'll be like what about that text i sent two days ago nothing okay zip okay does she nag you 24 hours a day no i mean sometimes i'll go like two days without talking to her because i was not talking to her i'm saying her to you oh yeah i mean she'll text me all the time but not like really nagging like just talking about like things going on at the house this and that um so why the once you talk to her and like i was gonna be on your side if she's nagging all the time then yeah avoid your wife that's so no one wants that but if she's not nagging all the time then yeah deal with those as they pop up six hours on six hours off six hours on six hours off so i work 5 30 to let's say noon when i'm did you know that text only takes about 30 seconds she's on lunch so like she can't talk all day and then when i get back on work at about 30 at night i get off at midnight you're usually in bed like i got you buddy but i'm not i'm never in bed and i tell you you can text me even if i'm in bed so i don't and then if i don't have service is now two three in the morning i'm not gonna sit there waiting to get service to like try to answer and have a full-blown conversation because it's just not worth it obviously you might be you know have an adult conversation that might make you feel some type of way possibly so might as well just not i don't know i'm just like to the point where i'm like i just i'm gonna crash out at work and then like everybody's gonna hate me so like i would rather just not deal with it you know well is that is that your only response you can't talk to someone you just crash out ish but i mean i don't want to have the conversations like i'm like when she gets to that point and i'm pretty much like what happens is we get into an argument and i'm like i could just leave like i'll go back to work then if like we're gonna continue to argue about this or like i'll just work an argument if you actually went and talked because it sounds like you avoid all talking you'll talk about the things at the home but again i was gonna be on your side if she's literally nagging all day yeah why would you ever approach it that's not a safe place to talk but the thing is if here and there she's bringing up some things and the vast majority of the conversations are fine then yes it's your responsibility to participate in the household and threatening to leave is insane instead of talking brother brother brother brother -in-law what are you on about you're 34 toddler i mean yeah on the flip side like it would help like if maybe she worked full-time you know like there was financially sure but if you spend all your money even if you make good money it doesn't matter because you guys already make really good money we'll have even less time to talk if i'm full-time so that would probably make you happy well yeah that's why he wants you to work full-time obviously yes for sure okay i mean you're probably never gonna work full-time because your business is like i mean it's like right i mean i mean you don't have to go to college to start a business i don't know what the fuck you're talking about like you said it's a passion project i trained to be a doula which i don't even know if you know what that is no of course not it's like doing like home births and stuff yeah so i want to work with like moms and why are you doing nutrition then like charity work for an extension of that i want to prepare stuff for them after they have their babies or while they're super but you had your babies 10 years ago and you're still fat yeah so how are you helping them well i mean i don't have to just eat more even post what i preach i mean i do financially that's why i do the finance show well you don't cook at the house either though really what you're you said you're what the fuck you're a part-time worker who works at home and has to take you just complain about having to take care of the household but you don't cook sometimes when i'm not tired tired you're tired because you're fat i'm tired because i'm fat probably yes nutritionist absolutely why he's able to work on a boat all the time because he's not fat yeah sure but that's not i mean that's that's an endless loop if you're not willing to be healthy because you're tired it'll make you even more tired and blah blah blah well and you know all right the whole the whole vicious cycle yeah i mean i don't feel like doing it because i don't do it and then it just yes but how can you sit here and complain to me that you feel like a single mother and you're doing all this stuff at home all day if you literally won't do pretty much the most basic single mother thing i'm gonna be real with you your debt is not the same as everyone else's you've got your own unique mix of credit cards maybe some medical bills personal loans and collections whatever your interest rates are different your payments are different your life is different so why do you need some one-size-fits-all solution that treats you like a number some generic calculator that spits out just pay more as if you hadn't thought of that already that's what sets pds apart they don't just look at your balance and say good luck they work to understand 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at pdsdebt.com hammer that is pdsdebt.com hammer pdsdebt.com hammer you suck with money so you download a budgeting app you start with the classic one wine app but everyone just deletes it because it's way too complicated to use so you go to every dollar that's dave ramsey the personal finance guy right well they're gonna force you to use it his way that's not very personal finances rocket money they got a lot of commercials but they're owned by rocket mortgage guess what they want to sell you in the end then there's the new guy on the block monarch hundreds of millions of dollars of private equity so far but private equity doesn't have the best track record when it comes to private data that's why i like dollar wise built by these people just like you for people just like you no private equity no gimmicks just the best budgeting app there is download it now start the free trial dollarwise.com link in the description below well i guess because i'm a sad panda because my husband's gone all the time i don't want to do anything i don't want to keep doing everything myself so then i'm just gonna keep doing everything myself so then i'm gonna keep doing everything myself and yeah i kind of just get so burnt out that i just shut down and don't do anything at all excuse me we buy all these groceries and stuff and then they just go bad in the fridge like and then they want to go eat out you know how long have you been doing this job at this job here um two and a half years how has the relationship changed since you started this job so i used to work on the road and then i stopped doing all that because she wanted me home and then we moved back to arkansas and i was making money so the whole dynamics of the relationship were horrible um yeah you guys seen what this conversation has been like so far continue and um so there was just there's no money like can't afford anything i mean we were staying in a town population of 500 with her mom um and i was working a job so like this is only out was to go work on the road that's how this kind of thing works how this job has affected your relationship i mean i would think it's helped a lot i mean as far as that goes i don't think that we've been good for a long time obviously because you know when we didn't have money we fought about not having money now we fight about having money and spending it all so it's just you know whatever situation this job affected your relationship taylor you try i he clearly can't comprehend the question oh no he thinks it's better greatly affected our relationship i mean there's less arguments he thinks it's better because he doesn't ever talk to me it's worse because he's never there we are never on the same page we never talk about anything i have to deal with my he has to deal with his and that's just how it is because he won't meet me in the middle ever about anything why why no compromise you have to compromise in life i compromise every day what's there a compromise about i don't know okay the fact that he won't talk to me the fact that he keeps spending all the money and won't tell me about it it's it's wrecked us i don't know how he's saying that it's better like we never talk about probably because he doesn't hear me nagging him all the time that's probably why he thinks it's better he's not here all the time to hear me no it's not better well halfway would be spending at least a bit less and trying to communicate in some way whatsoever that would be the halfway but you're not even willing to do the basic things i mean i communicate i just don't it always leads to like what if you don't know an argument about some like i'm not that's a conversation like an adult conversation has feelings sometimes that like might not feel very comfortable for you but you still have to do them that's part of a family cam so how does the how does the argument go what usually triggers it to turn into an argument maybe we can navigate this maybe we can make it so it doesn't go into a full-blown argument we can navigate this maybe we can make it so it doesn't go into a full-blown heated explosion i i don't have an argument he never talks i try to start it i just get mad i'm nagging okay you're trying to start what what was the last topic what was the last topic all of the spending okay so you tried to start tell me what you did i said that i was upset can't have all of the bills paid because like most of the payments that he has that like the payment plans they come out as soon as he gets paid like we have no access to that money before those payments come out so i'll look on the day he gets paid and there's like 10 15 different payments coming out i asked you how you approached the conversation i approach it by trying to tell him all of that he doesn't agree how how what was the situation did you sit him the down or what no he's always the contact i try to text him so you're trying to send him all the screenshots yes and what did you say i said what the is all of this well if you're opening a conversation with what the fuck is all of this well if you're opening a conversation with what the fuck is all of this well if you're opening a conversation with what the fuck is all of this no shit that's not gonna result in no shit that's not gonna result in no shit that's not gonna result in something positive you're something positive you're something positive you're maybe you should tell me first and it maybe you should tell me first and it maybe you should tell me first and it wouldn't start like that i'm sorry okay wouldn't start like that i'm sorry okay wouldn't start like that i'm sorry okay well you're a dumb then if you're well you're a dumb then if you're well you're a dumb then if you're starting the conversation with what the starting the conversation with what the starting the conversation with what the is this no shit that doesn't result in is this no shit that doesn't result in anything how else am i supposed to start anything how else am i supposed to start anything how else am i supposed to start it when i don't have any money it's very confrontational immediately it's very confrontational immediately it's very confrontational immediately that's my favorite word though that's my favorite word though that's my favorite word though well it shows how upset i am i mean well it shows how upset i am i mean well it shows how upset i am i mean obviously i have a reason to be upset obviously i have a reason to be upset obviously i have a reason to be upset are we now confused anymore why he are we now confused anymore why he are we now confused anymore why he doesn't respond doesn't respond doesn't respond i'm not no because it's not always i'm not no because it's not always i'm not no because it's not always that it's just well honestly last time that it's just well honestly last time that it's just well honestly last time it was so then what happened after it was so then what happened after it was so then what happened after you're like what the is that well i you're like what the is that well i you're like what the is that well i think you know he didn't show up is he think you know he didn't show up is he think you know he didn't show up is he wasn't there No shit. No shit. Yeah, well, I mean, he's checked out all of the time emotionally. Like, he's just not there. No shit. If you're starting every conversation with. Not every conversation, but every conversation on payday for sure. If you're starting every conversation like that. A good majority. Yeah, a majority of them. No shit is checked out. That's not how you start a conversation. That's not a healthy conversation. That's not any kind of communication. You say he doesn't communicate, neither do you. Well, we've gotten to this point because of him. So, I don't know how to do it. Yeah. Okay, you're an equal part of it. If you've been trying to correct it, but you can't communicate properly, then you're also a part of the issue. And telling me you don't spend any money, shut the fuck up. That's just never the case. What are we talking about here? I mean, I don't spend much. Maybe he is the worst spender. I'm pretty basic. Don't wear makeup. Don't get my nails done. I don't get my hair done. We can tell. I really can't afford it. But, you know, I just sit at home waiting. Not waiting, but hoping that maybe I can spend some money on me, but I feel too guilty to because he's already, he spent all of the free money that we have, and I have to use the money that we have on bills. So, it's not like I can. Cam, why are you with her? You guys can't even fucking talk. Why are you with her? I'm not. I don't have emotional conversations with anybody. You guys aren't looks matched. I mean, that's just me. I mean, you're a bit of a freak. Don't get me wrong. But, like, I mean, there's attractive women out there that like freaks. Well, I mean, I have a kid, so. Yeah. That's, I mean, that's a big thing. I don't do it. But you don't look like the person that stays around for their kid. He doesn't. Well, I mean, my only option is what? To work more? Like, why are you with her? Is it just the kid? Because you can't fucking talk to her, man. If you can't talk to your woman, why are you with your woman? He can't talk to anybody. Like, it's not going to be any different than anybody else. Oh, is that true? So, you can't have any kind of conversation with anyone? No. No. Oh. Then you're a fucking loser. Yeah, probably. But I'm not. I just, I don't like emotional conversations. When I was a kid, I was forced to go to therapy and all this and shit. And I'm like, I'm not. Forced yourself to go to therapy as an adult. You clearly need it, dude. Not doing that. You're not willing to try to get help. Not willing to try to become a better person. Not willing to try to improve your life in any way whatsoever. Even for the sake of your fucking kids. I mean, I have conversations with the kids. Like, that's not about money. They're not learning any kind of emotional healthy habits. That's from you. Look at how y'all's relationship is. It's f***ed. Yeah. How does it look in the household when you're back? Good. I mean. Yeah? Yeah. Is it? I mean, I do my best by myself, but I mean. What? I said, how does it look in the household when he's back? Like, look physically? Oh, my f***. Y'all's relationship. I mean, as long as I don't try to nag him about anything or any spending, then it's okay. So, as long as you avoid the issue that is damaging the house. Yeah. If it's a generic relationship, then it's okay. That is the opposite in every way of healthy. I mean, the only arguments we have is about money. Yes, and it's the one thing that obviously is causing a massive issue, but you're not willing to talk about it. And you come in way too heated. Probably. No. For obvious reasons. Not for obvious reasons. No, you can still be upset about something and not come in heated. I started that way, but after, you know, two years of him working here. So, it's been two years. But we've been together for 11 years. Yeah. And it's always been that way. I'm still confused on that. Because he's just as bad as I am. He spends all the money, even if we don't have it. And then I'm over here nagging him about it. Yeah, but you don't contribute anything financially to the house. So, like, you can just take this money. Girl, why are you with her? I mean, I literally have to be that way for him to listen to me. That's great. I mean, as far as, like, being a cool person. I don't know. Like. The dynamics is good. Is it? No, it's not. It's when you avoid the things, the dynamics is good. Yeah. Well, I guess it doesn't matter who I'm with. When I pretend like everything's funky dory, it's good for you. You're into her. Well, yeah. Okay. Good. I mean. You love her? Yeah. Good. I mean, I don't know how to, like, show affection or emotion. I never grew up with having that. I didn't have a father growing up. I was raised by my mom. She was never. You don't know how to. Hold on. Hold someone's hand? I raised myself. Get flowers? What? No. What kind of therapy? Really? Really? So he doesn't show affection at all to you? I mean, he does, but usually I'm initiating it. I'm the one always. I mean, yeah, sure. Probably am naggy. He doesn't do anything that I ask him to do. What the f*** are you on about? I asked if he shows you affection. When I initiate it. Okay. But. She'll feel some type of way about something. I'm talking about more than just sex. And then she'll cry about it. And then tell me a million ways that I could go about fixing the situation. Buddy. You got the f***ing jackpot. And I'm like. Literally giving you a guidebook. I don't want to sit here. No, no, no, no, no. Pause. Pause, pause, pause. I want to tell you what literally every woman in the history of every relationship has done. They will cry about an issue, but they won't give you any ability to solve it. She's giving you a f***ing rule book. And you're not doing it? Novel. They always cry about emotions and it's never factual in the real world. That's what women do. That's what they do in relationships. Welcome to f***ing estrogen or something. I don't know. She's giving you the list? What? Every man would kill for that. I don't want to hear all that. Not him apparently. You're just a loser then, dude. I don't know. I don't know what to do for you. If she's giving you the f***ing checklist of everything you can just do. You don't have to necessarily agree with everything. What the f***ing checklist? Just no. He's too good for that. I don't feel like it's that bad. What's not that bad? It's not bad for you. Yeah, because she doesn't talk. Because she doesn't talk. Do you not understand that? It's not bad to you because she doesn't bring anything up anymore. Especially while you're home. To try to make the time you're home pleasant. But you're not addressing any issue that has been building for years. Years. How frequently when you're home? Maybe like four or five times. Depending. So a few times a week? Yeah. Okay. So I mean, the affection part, like the intimacy part's fine. That's good. What's the affection part that he's not delivering? I'm really just talking about intimacy. Like cuddling with me. Having emotional conversations. Which I do talk a lot. Are those the changes? Are those the two things you need? Yes. That's it? Yes. So, okay. Like an actual real adult conversation when I have an issue? Just like over talk or over share. And it's just like, we have a discussion. It leads to a million other discussions. And I'm like, I don't want to hear all that. But as you can imagine, I'm afraid of being misunderstood because he never listens to me anyway. So yeah, I find every single way to try to explain myself. What do you mean he never listens to you? Well, he either checks out when he's on the boat or he, yeah, I mean he doesn't. The boat thing I'm not like freaking out about. I'm just saying. In person. He doesn't listen? No. What do you mean by that in person? He will sit there and not say a word. He will let me talk to him for an hour trying to give every, every checklist of things that needs to be taken care of and he will not say a word. Would you want to get talked to for an hour straight and then be expected to kiss and hold somebody? Oh, no. I wouldn't say you guys have to like diddle afterwards, but like. Maybe we wouldn't go an hour straight if you contributed a little bit in it and like just said a couple of times. Yeah, you're right. I'm sorry. I mean. Even if you're not, because that's again, what we have to do as men. Groundbreaking. What do you think about what she just said, Cam? Because yeah, I mean, you're a struggle in this conversation too. I definitely, you know, have issues when it comes to anything emotional, but it's just. Emotional? She's sitting there talking. That's not who I am. I've never been that way. I don't need you to be. It's been 11 years and you haven't figured it out now? He was a little bit more that way, but he's a little bit less now. A lot less. It's gotten worse. I think so. Why do you think it's gotten worse, Cam? I don't know. I've been, I've gone more. And then I come home and it's. When he's home. That's not. It's like it's fair, but you still have to step up and just be an adult. A partner or a father. At least every other trip home. I'm a practical person. Like I hate. I hate having. Like theoretical conversations. Like we could do this or change this and like. What? Brainstorming and trying to figure out how to better our lives. That's not a bad thing. Yeah. But if it's practical, if it's obtainable. Everything is practical when it's for your family. No, it's not. Conversations are mandatory. Yes. I'll go with you there. Not everything is practical if it has to do with your family. But again. Okay. Theoretical. So, okay. What did she rant at you for an hour last time? She thinks you don't listen. Let's figure out if you do. What was the last rant she was given to you? Shut the up. What was the last rant? She wanted me to hold her. That was it. An hour of I want you to hold me? Yeah. And crying and telling me that. Okay. What did he miss? What did he miss? If anything. Or did he actually. Was that it? Was it an hour of I need you to hold me. I need you to hold me. I've asked him at least three times. times to help me out rub my neck so maybe i could feel a little bit better didn't want to do that ignoring me i'm like well can you at least just she has a migraine that's crazy what's wrong he doesn't want to take care of me she has a migraines every other day by me because i might throw up every once in a while he doesn't want anything to do with me and all i want him to do is just lay there for a little bit maybe rub my neck and then you can do whatever the hell you want i just want to be taken care of every once in a while especially when i feel bad she has migraines every day every other day anytime we go anywhere we're in a car for more than a couple hours we have migraines like that's my fault though are you medicating yeah not regularly like it's when needed but like yesterday you didn't bring the stuff you need i had excedrin though that doesn't that's it yeah i forgot my stuff from the trip you gotta be there for her when she's feeling sick and i understand maybe it feels like a shit ton maybe you need to go to the doctor and see if there's something you can take day well if i could afford to go to the doctor i would but all the money is gone by the i guess i should be able to i mean but i can't spend money on myself ever or you know the kids might go without food what'd you spend last month i don't know he has no you don't look at the money at all the balance he has no idea the balance of what the account what account the bank account any of them if there's money left he's just gonna spend how much was spent last month i honestly don't know either because he keeps payment how can you be angry oh but yeah but you should be able to track that i don't ever know what's gonna be coming out and what's not from month to month he might pay one off he might get three more payments on like a firm or whatever the hell it was 8 000 which with you guys combined i mean his payroll it was a higher month so it technically made it but definitely nothing left to show extra ever so do you see where you missed it though you said all that was said is that you want she wants you to hold her but clearly there was more involved with the migraine wanting to feel a little better about that and you won't even step up and what does he do at home then then the 14 days he's there what does what does he do clash of clans out of everything i mean no mainly what he does like i'll do little chores and stuff around the house but i mean what's there really your own laundry like a better game house i play world of warcraft okay okay oh he's doing something more productive but then i only i only play that like twice when i'm home because you know like the kids want to do stuff like with your phone games like 24 i try to do things i mean we play xbox games and stuff together with the kids when you're not petting her like she's requesting weird way to say what are you doing what's he doing on his phone what are you doing on your phone give me your phone why do you look like this by the way open it no what am i gonna do with a locked phone piece of shit yeah clash of clans is literally the only thing on the main screen no you gotta swipe the other direction i know i said the home screen no that's not the home screen i don't know why it was swiped to that page probably because you're playing clash of clans what do you want to do with that phone um you know why do you look like that like what i don't understand what you're getting at like your teeth and shit the teeth i had horrible teeth so i wanted to fix them and i was like if i'm gonna spend this much money i'm gonna let everybody know like i live in arkansas everybody has up teeth and a bunch of meth heads running around so i don't but you could have fixed that it was about the same price but why it looked like that because then it's like hey i don't have up teeth look at me i mean you kind of do not really matter of opinion you like them i mean i didn't at first i've kind of gotten used to them well used to is different okay so let's see last week well you're not what's the you do it on facebook for 15 hours of reels and then i'm like whenever i'm like i don't have service it'll be open but there'll be like nothing loaded so like i just might have my phone sitting there i fall asleep and it's just that has the app open because i don't have it set to auto lock miraculously he has service for facebook no just because the app's open doesn't mean there's anything popping up on it but 15 hours yeah i put my phone down i fell asleep and the app was left open but you only sleep for like four to five hours okay guys clash of critters oh that's a new game i started yeah you played that like crazy last week a lot of youtube maps apple maps i want to get i leave that open 24 7 if i'm in a car okay we have safari messenger and then clash of clans phone message uh x um i mean yeah i mean it's a lot of time for sure it's an average of nine hours 53 minutes a day so i mean that's that's a lot of phone use don't get me wrong and it looks pretty much similar week over week i mean you were pretty heavy on reddit a couple weeks ago it must have really been on the phone that was an average of 13 hours a day geez and snapchat who are you snapping one person who my buddy uh he's like in a weird relationship right now so we've been talking back and forth who's christina uh the girl i used to go to school with well she's was homeschooled but why are you snapping her it was like one message convenient that it's snapchat though why are you messaging her yeah you guys have been there but why are you talking to her i like check in with people every now and then like one message like i probably only talk to her like twice in a year i'm so glad you check in with other people who's bobby uh girl i used to work with she you snapping with her okay so a lot of people don't have social media other than snapchat so the only what yeah like i don't know why but like a lot of people don't post anything on facebook don't post anything on instagram anything other than like snapchat so like she posted something like she's getting her rn um so she had testing so i was just like oh good luck i don't even really use snapchat half of it's bullshit and babbitt babbitt yeah i didn't like i said i don't really use snapchat other than you do you objectively do what i mean i use it it's all right here yeah what are you on about yes you actually do if you or your child spent years growing up on social media and experienced serious mental health struggles you should hear this recently a jury ordered meta and youtube to pay millions for their role in designing and promoting addictive platforms they knew their apps could contribute to anxiety depression and body image issues but did not share those risks while prioritizing profits the recent historic verdict underscores the consequences of the decisions now morgan and morgan is stepping up to hold these platforms accountable for the harm they caused click the link in my bio to take a short quiz you may be entitled to a potential recovery of over one thousand dollars ladies and gentlemen i got something new to help you that we have personally built right here on calebhammer.com we have new caleb hammer financial resources they are the ones i would personally use which is why we made them for you to use as you've already heard me talk about personal loans are okay when you're good at debt i personally use them to make money i personally use them when i can leverage them for a situation so we have good personal loans on calebhammer.com we also have auto insurance now you can check for free and see if you can save a shit ton of money on auto insurance remember none of this actually matters if you continue the same bad behavior so it's not for you if you still suck but if you've proved you can budget check out these programs from personal loans to car insurance to see if you can save a shit ton of money across the board go to calebhammer.com or the caleb hammer financial resources part of the pinned comment or description below and save a shit ton of money what do you how do you feel about that that's a that would weird me out a little it wears me out a little bit and i can't see what's been talked about so i just have to take his word for it disappear and do you i don't know what else to do there's nowhere to dig on snapchat so yeah i guess not okay very big into weed aren't you i mean i used to be but it's weed and pokemon yeah weed pokemon weed pokemon i can't smoke weed anymore with my job so it's just shit i used to follow dreaming yeah it's just bullshit that's a bit interesting and do you do you do you take his word because i mean listen i i don't know i i can't say here if he's doing something bad it's not about that but it's more like okay he's not responding to you well he's on the boat but he's snapping these women i've definitely had those thoughts thoughts but you've never brought it up ish what have you thought i've told him that well i don't know hinted at the fact that maybe there's somebody else i don't know because he's he's so checked out all the time i don't know what else i mean i don't know he's gone for forever so i don't know what the hell he does when he's gone you've never done anything with anyone in the last 11 years no very goony x account but yeah no nudity but oh it's based on what you consume my friend that's how the - The algorithm works. - Whoa. - Crazy. Instagram is just as bad too. That's again you, not Instagram. I'm on a boat for a month. Let me see your Instagram. We'll get into these finances. You snap her? No, she doesn't use Snapchat. She snapped the other women. That's weird. Okay. Oh, it is. Oh, it is. Oh, wow. It is all attractive women that is being followed in stories and engaging. Oh, yep. Oh, yeah. Mm-hmm. Yeah. How do you feel about that? Don't like it. Oh, God. Okay. Well, at least he's not really doing much in here. A lot of it's just spam shit. Yeah. I mean, you have messaged a few women, but no extensive. Lots of conversations. Lots of Instagram users. Like, they, like, must have deleted it. I think you're getting, like, like, did you pull on the. Like, go to, like, who I follow, like, to, like, my actual page, and it's, like, 5,000 people or some shit. Yeah, all attractive women. Okay, whatever. I don't know. I feel insecure personally. I'm just saying that. Yeah. Especially if he's gone all the time and not responding to you. Yeah. I can't imagine why anybody would have an issue with that. But you've never brought it up. Never. Why? I mean, well, I did a long time ago, but I don't. I think that, I mean, maybe partly I've checked out, too. I don't feel like there's any point. Like, why, if you're 400 other times that I've tried to talk to you about any other problems that we've had, I'm not listening to. That's true. So what now? Do you just give up? Sometimes. But you stay. You give up and stay. Yeah. I mean, if I wanted to do something, it wouldn't be hard. I'm not actively trying to, like, go do anything or see anybody else. In 11 years, you've never exchanged nudes. No. I don't know. With that Snapchat thing, that's too hard to believe. And you definitely cold DMing a couple women on Instagram. It was like a year ago, but still. Okay. Well, either way, what do you guys think your financial score is today? Zero being the worst, 10 being the best. I'm going to guess a three. Five. Why do you think a five? Maybe four. I own a house. I mean, I'm paying my bills. That does help. Do you? Would you know? Yeah. Would you know? I mean, I wouldn't have utilities, right? I mean, bills are getting paid. Well, you're there for a third of the month. All right. If you want to hear my financial score, it's been retweaked. It's being redeveloped. It's incredible. It's much more thorough now. Check it out on each category. It is free. CalebHammer.com. Go ahead and get that. It just takes a few minutes. And if you don't want to be like a guest who ends up on the show, you can actually answer questions about your finances because you'll put everything automatically into DollarWise, the budgeting app we made for the average American instead of that overcomplicated bullshit where you stop even using it after a week. So check it out. Get a free trial at DollarWise.com or just download the app. Take the annual version if you like it. Most people do because it saves nearly 50% on your money, and you get the physical version of my 30-day meal plan signed by me, mailed directly to you, and the digital version of the cookbook as well. So check that out. All right. Let's get into a little bit of the money. We got a lot of money. A little bit of money to go through here. And that's clearly the big disagreement in this relationship anyway. And it's kind of tearing her apart. And you don't really seem to care, which is kind of crazy. Like, I don't know. How do I get someone to care? It's difficult. Really, the only thing would be like an ultimatum, her leaving. But I don't think she cares enough to leave. She's just willing to give up and just put everything into calories. So I don't know. I don't think she could afford to anyway. No, I don't know. That's probably not what she wants to hear. I mean, is that the only reason? You want me to stay with you? Technically, not to say she he's literally saying you can't leave, which is what is that what he wants? My only reason to be with him to be what you're saying? Yeah. I mean, I'm not home half the time anyway. So I mean, if you're looking at it, if you're looking at it like that, you're pretty much what are you trying to say? Like, if you wanted to leave, you did want to leave me. It's not like I'm home that much. Anyway, you wouldn't care if she leaves. That's just saying I would care, but I'm saying like, if I'm, if I work and I'm gone all the time, it's pretty much like you're at home. Single anyway, like it wouldn't be that much of a difference. If you wanted to leave, how does that make you feel? Like he is emotionally stunted and has no feelings whatsoever. What you're going to put up with it for another 11 years. Hmm. Well, my kid's nine. So why'd you say 10 or 10? Why am I having to change? I said almost, I'm sorry. I'm mad about their ages. As it's close enough. No, just like how old are they? And then that's the answer. You're stupid. Well, it's how I do. I should have been cooking him right there, but you, it just had to be. Okay. You have a payday loan, a couple, a couple, you make 110,000 hours a year. Why do you have a payday loan at 688% interest? Well, you make 110,000 hours a year. What the is wrong with you? Possibly that's like a thousand dollars. Oh, that's not the point was to pay that shit off. Like next, it's the interest rate. Why are you having to take this out in the first place? You make good money. So I didn't get paid for like a month because I got off work and I went to school for my license, um, for my pilot license. So that was like 18 days or something like that. So I didn't get paid for a full month, so it was just kind of like balance everything. Until I got back to work. Well, why the payday loan you with your income, you could qualify for a good personal loan. I've never really tried. Why do you immediately go to a payday loan? I just go on credit karma. And the first thing that pops up, dude, listen again, it's not for everyone. I wouldn't recommend it for people like you, but for people like me, people that can manage their debt, like on Caleb hammer.com, we have these financial services that we're building out and stuff, and we have personal loans for people that can apply. And there's like 0% interest rate, period loans and shit. This is at 688% make it makes my credit though, like prevents me from doing a lot of those. Well, why would you have bad credit? That makes no sense with your income. There's no reason you should be going into a bad credit situation. You borrowed $800. You have to pay back a total of $4,475. It's a lot. Why? Where did it go? Did she even know about this? No. So he did this behind your back. Every time he does it behind my back, every time. Where'd the money go? So it went to them at the house. Like they needed money in the account. I hadn't got paid yet. So I just made sure there's money in the account for whatever they need. So I don't know what it got spent on, but it got spent and food just took this out. Yeah. Cause I just went to school for my license. $203 and 30. I don't, it's every other end. Like that one, I plan on paying the. I'm glad you plan on, but will you? Because every time someone takes out a personal loan, they plan to do it. They never do. Or a payday loan. As long as most of the paychecks are gone from your other payments. That's the first one I plan on paying back because it was stupid even doing it. First one and there's multiple, so. Uh, okay. At $407 a month, if you don't, you have to pay half the balance. Right. So why wouldn't I just pay it all off? I agree. Why wouldn't you? You're the person that's enough to take out one of these in the first place. So you're the person that's enough to not pay it off. So I can't trust you to pay it off. You're someone that is taking out a 700% interest rate loan. Someone who's willing to do that is to pay. If you, when did you learn about this? Does it now, I mean, I've pretty much given up on which ones are, which, because I keep trying to ask how much do we have left? What payments do you, he doesn't even know. He doesn't know what. He has. So, yeah, I mean, I, I don't know which one that would be for. So yeah, I didn't. Oh, so what's your perspective on this? This is crazy. Overwhelming. I don't know. It's there's so much that I don't even know where to start. You married a man and made a child with someone that has taken out 800% interest rate payday loans behind your back. What the? Also, another reason why you might not pay this off immediately, you have bad credit score already. Meaning? You suck with this shit. So why the fuck would I trust you to do it? Look at your teeth. You only need credit if you're buying shit, but I'm trying to boost it anyway. Like that's to buy shit. Yeah. How much did those costs? The teeth? Yeah, I made payments on a lot of it. Um, it's still got a lot of work to do, but much more, maybe 30,000, 25,000 gold in everything. All crowns. Well, how your teeth, your bottom row doesn't look insane from here. A little crooked, but not like, but I'm up get crowns on them. Why? Why not? I've already started. I need the root. Huh? Do they need root canals? No, everything else is just cosmetic. Other than the implant. I need, you're going to prioritize 30,000 hours of cosmetic things for your mouth. Instead of paying for your kids school, anybody, you can go get a loan for school. That's what you get along for your days. Like, why am I going to pay for my kids? - Setting them up for an easier chance I'll help you, you know, get a vehicle or get an apartment or, you know, do other things. But when it comes to your school fund, you're going to pay for that. How about this? $30,000 for your teeth instead of $30,000 into a kid's Trump account. Growing tax advantaged in the S&P 500. They could use that money for anything. A down payment on a house. Imagine your kids getting a down payment on their house in their 20s. And not having to work for nothing. It's not about not having to work, but you're giving them an advantage in a system that's already kind of hard to get a house. But instead, you're prioritizing you getting gold teeth. Do you not see the disconnect? Selfish. It's all about you. Maybe they wouldn't have to spend 11 years trying to get to the point of spending way too much money on themselves. And maybe you could get her Ozempic. Maybe. That's like $50 a month. Exactly. But you're prioritizing $30,000 for your mom. But I can't afford it. She can't get mass care. She can't get. I have good health care. I'm pretty sure it's probably covered. Health insurance? Yeah. Yeah. Health insurance. But you still have to pay for everything. My job's out of Louisiana. And if you go to like their little Oshner or whatever, it's like 100% covered. We don't live in Louisiana. True. We have to pay for shit. What the fuck are you saying, dude? My company, when it comes to health care, will 100% pay for everything. In Louisiana. Your $30,000 teeth? That's not cosmetic. See? In Louisiana. Yeah, she doesn't live in Louisiana. It's like four hours away. Wait, four hours isn't nothing. Like, I'm just going to drive there every week for a doctor's appointment. Why would you be going to the doctor every week? Well, however much you have to go. I don't know. I don't know what you guys are talking about. You can get Osempic online. Oh. There you go. I mean, it costs money. You're prioritizing your cosmetic teeth over that. Anyway, I wouldn't recommend anybody to use it, but. She's going to die before you. At this point. Well, yeah. You probably. Like 20 years. And with the amount of stress, you put on me, too. Okay. Shut the f*** up. What stress? You're just not having conversations. Well, yeah. I mean, that's stressful. It's. Well, yeah. Selfish. Another one for you. This one. Viva. Okay. $3,083.90 with a bi-weekly payment of $89.81. What's this for? That was to pay off some debt. Consolidation. That's what I was trying to do. See, again, this is another example of why I don't think you're actually going to pay off the payday loan. The thing is, consolidation's fine. Bankruptcy's fine. Personal loans are fine. Credit card transfers are fine. Not if you don't change your behavior first, because then it's not a tool. It's a f***ing weapon. So I tried to take that one out to pay off all the others. That way I only had one payment. Just like you're trying to pay off the f***ing payday loan. You have no, no ability to convince me that you're able to do anything based on your history. You're not good at this stuff. This isn't for you. Very true. He's never been good at money. Our entire relationship. So I don't know why I expected it to be better when he was making more money. What was even the point of the consolidation? It's at a 31% interest rate. That's a credit card. What did you even get out of this consolidation? He has no idea. I paid off a bunch of things. You didn't pay off anything. You moved the debt. Yeah, I moved debt around. And then you built the other debt up again. That's what happens every time. You damaged yourself. It was a f***ing weapon against you. It wasn't a tool for your benefit. I was trying to get the credit cards down. And you didn't. But you put it basically on another credit card. If we're comparing the interest rate, it might even be worse with how low the payment is. And then you built the credit cards back up because you didn't change behavior, Cam. So is it better to pay them off individually or just one big loan and pay it all off at one time? You can do the big loan not with that kind of interest rate. But only if you change your behavior. Because again, you have this much in credit card debt, this much in personal loans. Then you put it on a personal loan. And now your credit cards are here, right? But since there's the ability to spend on those credit cards, you spend on it. Now you have double the debt. That's what happens if you don't change your behavior. Again, I love the personal loan services we have on CalebHammer.com. The car insurance and all that good stuff that we're building out. It's all there for people out there. For people like me. Not for people like you. Because you can't f***ing control yourself. Change your behavior. And then for Teva. Retail credit. Again, this is him. It's been him the last few times. What the f***? He won't talk to you? Is he just a bad person? Is he just a f***ing bad person? Like, what are we doing? I mean, I don't know. Part of the time I wonder because, you know, I've wondered if he's running around when he doesn't talk to me or when he doesn't want to have solid conversations. So, you know, with our phones, the iPhones, I would. Try to see where he was at. Like, where. Oh, you have his location. Yeah. The find my iPhone. So, I. No, I turned it off. Why? I've had it off for years. Why? Because I worked on the road. And the problem I had was it was a horrible job. Like, I'm working now. And I'd worked sunup to sundown. I was doing solar, refactoring. What does that have to do with location? Getting there. So. Okay. Anyway, I get off work. And the only. The only place to go eat, you know, would be like a bar or something, whatever. I'm just going to get food. I go back to my apartment. And I would just fall asleep. Well, she's the one to have these conversations and talk. Again, literally would be off for hours and wouldn't say a word to me. And you would just show up at a bar. Whenever you have to find my iPhone on, you can ping the phone and it'll go off until you turn it off. So, if I didn't message her back, she would just keep hitting ping my phone. Imagine. Well, no shame. He turned it off then. It would go hours without talking to me at all. My girl got on a trip right now. I have her location. You know why? Not so I can. Oh, she has to talk to me. No, I'm just. I want to make sure if like I'm. She doesn't get into like a car crash. It's scary. Well, yeah. I mean, that's why we had it. But when I'm looking and all he is is a door and not talking to me. But you're just pinging him. And he's supposed to be at work. You're just pinging him. Yeah, because he's probably cheating on me. He's at a bar. So, I told her last time, if you ping my phone again, I'm turning this shit off and I'm never turning it back on. Well, the beginning of the year, I was like, you know what? This year? Yeah, we had a conversation. I said, if I turn it back on, you know, we'll see how it goes. Not even a couple weeks later, I got arrested over it. Oh, my God. It was so much longer than that. You got. She got you arrested? Yeah. Over having to find my iPhone on. Essentially. Hold on. Someone. Tell me. That makes no sense. So, I went to a friend's house and she just assumed whatever while I was at a friend's house a couple hours away. So, I left his house and I had a migraine. So, I pulled over. I never have a migraine. Ever. So, I pulled over at a grocery store and I was sitting in the car and I have an aura ring and I even tracked this shit out. I wasn't even asleep for two hours. I didn't respond to her for two hours and she called a welfare check on me. That's a lie. Cops rolled up and immediately they looked at me and arrested me and tried to give me a DUI. It was twice that long and he had told me previously that he was on his way home. So, three hours after he was supposed to, you know, be getting close to home now, I look and see that he's still two and a half hours away. What the hell? He's sitting at a grocery store. I tried texting him. I tried calling him. Didn't ping him. Didn't ping him but I knew where he was. So, yeah. So, she calls the grocery store. There's obviously something wrong because he's not answering me. You're a helicopter wife. I'm sorry. That's starting to get a little insane. I was afraid that something was wrong because he literally What time was it? said he was What time was it? It was like three in the evening. No, it wasn't. He was supposed to already be home and like for a while before I started freaking out. My daughter gets home at four. She wanted me home around the time my daughter got home. So, this is the first time you let her have access again in a long time, right? Oh, yeah. Yeah. And she immediately called the cops? Yeah. Oh, my. No shit. He's never going to give access. Did they arrest you? Yeah, I went to jail. That was not the plan. I literally called a welfare check and said that there's something wrong because he's not answering me. And like I have a federal license. Like they try to give me a DUI. If I get a DUI, I'll lose my job. Done. Over with. How'd you get out of it? So, they arrested me on the spot. Because I threw up outside the car. So, he pulled up. He's like, hey. Because of the migraine? Yeah. He said, you, like, I want to talk to you. You want to step out the car, you know? So, I step out of the car. He said, put your hands behind your back. You're under arrest. I said, what the fuck? He said, you're drunk. I said, no, I'm not. And he said. Did you ask for a breathalyzer? Well, they wouldn't do it there. They didn't do a sobriety check. Nothing. They arrested me, put me in the car, towed the car. I went to jail. And then they tried to book me in. And then they did the breathalyzer. Well, I passed the breathalyzer. I told the cop. I said, well, I told you, like, I wasn't drunk. This was pointless. So, I'm getting my stuff back. The cop comes back out. And he's like, hey, I got something for you. You're not leaving yet. So, I was like, what the fuck? So, he brings me back a public intoxication. So, he gives me that. And now I have to go get a lawyer. I've already paid him $1,000. I had to pay $300 to get my car out of impound. Oh, because she's a crazy bitch. Because she called a welfare check on me because I was sitting in a grocery store. I waited for several months before this happened. And nothing happened. The only reason I did is because I legitimately was afraid that something was wrong. I even called. Even when someone has their location, you shouldn't be checking someone's location. I wouldn't have. So constantly. I didn't at all. Why were you? Because he wasn't answering me and he wasn't home when he was supposed to be. He doesn't need to always answer you. He does when he's two hours away and he's already supposed to be home. I was at a grocery store. It's not like it was like pulled up in some random apartment. Why didn't you give her a heads up? I had a migraine. I know. Why didn't you just text her real quick? I literally was like, I did. Because you were supposed to be home. No, he didn't. I said, I'm on my way home. I'm leaving in a second. And then I left. I pulled into, like I got back into town, pulled into the grocery store, threw my phone. I was like, this shit. And like, just crashed out. You should have texted her real quick. If you didn't know, I would have if I knew I was going to get arrested. I think it's relatively fair for someone to be concerned. I think that you should want to regardless. For respect for your wife, you should want to text her. I literally. Not just because you don't want to get arrested. What would it matter if I got home a couple hours later? 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But like, why would you immediately be worried? Because it's been hours and you're not answering me no matter what I do. She's a helicopter wife for sure, but like, if you were supposed to be home in a couple hours and she was planning on it, then all of a sudden like, you're just like stuck somewhere. Yeah, but like, I'll like, I'll sit there and talk to some random person in a gas station for like an hour. That's not, that's not the same. You would, you would answer your phone then. No. Yes. You would say something like, hey, real quick, be right back. Like literally anything to say that you're not dead somewhere would be sufficient and I would leave you the fuck alone. But no, I don't even get that. I just wouldn't share location. Yeah, he doesn't anymore. Fair. Well, I'm just not going to let him go to his friend's house anymore then. What? Yeah, he doesn't ever go, so he just can stay at home if he's not going to let me know that he's on his way home or anything that's going on. Does she have that control? Like I'll just, I'll leave if I want to go do something. I'm not worried about that. And you think you can stop him? He's not worried about anything. You think you can stop him? How are you stopping him? I haven't ever tried to stop him before. How will you try? I don't know. What's left? Being dramatic. I don't, I mean, it's not being technicalities, but I will be upset if he tries to do something like that again and not talk to me. We'll have a six hour conversation about it. Yeah. I mean, if that's what it takes, if you would contribute it wouldn't take long. What the f*** am I supposed to say to that? Yeah, you guys are f***ed up. Yeah. $1,156.38 on this Fortiva credit card. Again, that it was him. So I was trying to say $80.28 a month. Just made the minimum payment essentially. Yep. No purchases, but there is interest. There is fees. Why? Paper statement. Why do you have to get paper statements? You're paying for paper statements that you probably never even look at. No. No, I do. But she doesn't, like I like to have them, but she doesn't ever open. So she doesn't open mail. She will not open mail. So when I get home, I have all the paper stuff I can go through and look at it all and then I shred everything. Well, you have a credit one too, buddy. And that's like the worst credit card you can get. So no, I don't trust you. I'm paying off the payday loan. Oops. I just don't. It's basically maxed out $627.87 with a minimum monthly payment of $32. What was Fortiva for? What'd you rack all that thousands up for? Fortiva? Yeah. That's the Alienware. Gaming PC? Alienware? Yeah. My laptop. Oh. Well, I guess mobile. No, I didn't even, I didn't even get the crazy one. I went, I like basic, like $1,000 laptop. That's basic. Yeah. Oh, no, no. She can't say shit. Her laptop's $2,400. She doesn't know what she's talking about. Yeah. But like, did you have to do this? The laptop? Yeah. Yeah. I wanted to play World of Warcraft because the Burning Crusade popped up. It popped back out. You put it on a credit card that has a growing interest in fees. Wanted. With your money, you should have bought this in cash easily. Done. Did. And the difference is I used mine for college. I didn't want to have to explain $1,000 like. For nutrition. It's still a degree. It's a degree for something, a business you're trying to start that is never going to do anything. I mean, it might. Probably not in Arkansas. That's a conversation I have and then she gets mad. Oh, you tell her that it's going to not work? How do you say it? Meanly. She wanted to do the doula thing and then like I fed into all that and she was making hella killing with one client and then stock and then like we had our daughter and I delivered her at home myself. Like that was crazy and then they kind of just fell off because COVID and then never picked back up and then she wanted to do the nutrition thing to like help with the doula thing. But it's like in the area in the area we live in it's not even practical. Like I would say the average income in our area is maybe 20 something thousand a year. Why do you guys live in a piece of shit place? We have to for my son. His dad lives there so until he's 18. Hey, what the fuck were you doing? Why were you popping on a baby with a random dude at 18? Freak. I was actually married and I was 20 when I had him. Why? Military wife because I'm an idiot. Who cheated on who? He did. On me. The bartender. Yeah. So that's what like three months after he got back for an entire year. Do your bars ever have titties in them? They're shit. They're old women. Titty bars? I'm talking Strip clubs? I ain't doing nothing at a strip club. You're not going to strip clubs? No, I'm saying those women have been passed around. I ain't touching them. Like why would I even think about that? I don't believe that you've never done anything in 11 years. I'm selective. Like I would not go to a strip club if that's what I was wanting. You're selective but you've done nothing in 11 years. Yeah. With women on Snapchat and Instagram. What? You would see why somebody might have their worries I think it's about bars or not being somewhere when you say you will. Okay, you have a Bank of America. Okay, this is maxed out. You actually spent money on here while you were accruing a shit ton of interest. Takes 11 years to pay off. All kids will be out of the house. What are you doing, man? Klarna. You're purchasing on Klarna on here? Wait. What? Are you paying what are you doing? What do you mean? So many payments. What Klarna are you paying for? Klarna? Is there like Klarna premium? Do I not even know about this? I don't know. It's 25 bucks, dude. Oh, that's probably Is it a Klarna debt that you're paying a debt with? But you're paying a debt with a debt? You're paying a credit card with a credit card. I don't know which Bank of America I have three Bank of America accounts. Well, it's the one that you get Klarna on. Yours. He's had late payments every month this year so far. Yep. Oh, okay. I'm not surprised. Did you know? No. I mean, but I'm sure that the only ones that are on time are the ones that She has access to that account. The credit card. It doesn't matter. That checking account. No, I have when you pull up the app it has the checking account and then the credit card is right under it. So she could see that if she wanted to. You're late every month, dude. This is pathetic. Why are you spending money when you're late every month? I pay my bills. My bills are paid. That's what you said. F*** you. No, they're not. Don't remember it being late. I pay it. I spend late every month this year. Well, it's not like okay, it's not technically late until it's like what? 14 days or 10 days? No, I didn't say missed payment. I said late. Yeah, so I don't mind paying things late as long as it doesn't hit the 10, 14 day and then hit the credit. Why? Because you're still having to pay an extra $120 added to this card this year and then more interest as well. You're having to pay more money for it. It's not late on the credit though. No, it's not a missed payment. It's a late payment. Late payment means you're paying more for it still though. You're still facing a punishment. Just not on your credit report. Accruing it. Huh? I said accruing more interest essentially. All right, let me handle the financial conversation. Hey, what? It's $100? $120 this year so far as of two months ago. So it's more. $300 in interest as well because more interest is accruing. It's going to be well over $1,000 by year's end at that rate. And again, you're paying a credit card payment with a credit card. Capital One. You! Shocker! It's you! Basically maxed out $413.56 A little more than a minimum but you didn't even pay the last one in time so this makes no sense. This is all over the place $25 a month I opened up that one a couple years ago and just never went back to it We've had late fees this year even though you paid a little extra that time It makes no sense You're all over the place, man What a f***ing mess Credit Fresh. I've never even heard of this Oh my death! It's basically maxed out. What is this, dude? I just took the full loan out in cash and put it in my bank account For what? I was trying to use it to do debt consolidation Oh, you f***ing pathetic The credit won Oh! It's gone higher! It's a It's a $4,031.31 What are you doing? What are you doing, you f***ing Minimum monthly purchase $200 Billion cycle charge That's a fee Fee? Why is there a fee? Billion cycle charge fee What's your normal payment? Oh, what the f***? This makes no sense $250, $0.03 minimum payment but then there's a billion cycle fee of $214 Is that every month? There's no clarification. Where'd this money go? Did you consolidate? No I did, but then I maxed the cards back out Oh, it's even higher! It's above the limit. It's at $4,800 now Did you know that? No What are you going to do about this? Do you care? I mean, it's his fault. Don't get me wrong But like, what are you going to do? I mean, I care It's probably a $300 payment now I'm lost. I have no idea how to deal with all this I don't know, but he's your partner He's going to do this forever And if he doesn't get f***ed, then Yeah, I mean, I'm about So this is your life forever Yeah, no, I do not want that Yes, but it is! But in fact, it is! I will move to Mexico Okay, well, congratulations There's no consequences You can just go ahead and keep doing this It doesn't even matter Affirm For Evolvi Play Seat Geek Walmart, Box Lunch, Easy Bay Royal Merchant Beer Can, Boards Hollister? Easy Contact American Eagle King Body Jewelry Whose is this? This is actually not labeled That's all his Yeah, that was like clothes for the kids and s*** All that's for the kids? All the games? All the everything? No Shut the f*** up $384.48 Dude, I don't even know what to f***ing do with you You need more hobbies on this boat Because you just spend money on your board I recognize this spending anywhere. This is just boredom spending. I'm guessing it's $96.12 a month. This is boredom spending, dude. Finally, you, Capital One. Hey, you're purchasing on it. Nearly $600. Yes. Why? Because I have no money left in the bank because he spent it all. Oh, we'll see when we get to the checking account. Let's confirm if that's true here in a bit. Luckily, it's not maxed out. $25 a month. Interest is accruing, though. Okay, but what are you doing at Walmart for $5.14? Like, you got groceries for $112, but what did you get for $5.14? Probably something I forgot. I do that a lot. Oh, yeah, because then you did it the next day. Maybe cashback fee? No, it wouldn't be that much. And five below Taco Bell. Again, $16 at Walmart. Dollar General, $12. Dairy Queen, is that what you need to do? Yeah. Need to do Dairy Queen? No, I don't need it. Need to do Taco Bell? No discount. Yeah, but that's $5. What the f*** is that? Cones? Some ice cream cones, please? $30. Oh, jeez. Yeah. Right? You're saying. I don't see. I don't have money to spend on my checking account, but a lot of it's bullshit still. And interest is accruing like crazy. I guess the affirm balance is even higher because you bought her a $500 birthday gift that you said he buys you nothing. He. I guess he has something to make up for this year. What'd you get her? She don't know yet. It's next week. It's next month. Her. Discover card. I don't even have a statement. Hey, you're worse than him because at least he sends statements. Oh, it's closed. Yeah. But it's not in collections? No, that one's been paid off. Oh. As far as. I think she just. I think that was like a long time ago. I think she just paid like a balance on it. It wasn't completely closed out. Hey, point of sale installment loan. Affirm. Why don't I have your affirm? Again, I could see his affirm. Why can't I see yours? Well, I. I wasn't told to send it in with his stuff. That's objectively a lie. We ask everyone to send in their statements. What are you talking about? But it's up anymore. I think she has like 890 in affirm. Oh, that's higher. Great. Yeah. What are you getting? I got stuff for my cats. Like cat tree, like coffee bar. You all suck at life. $222. Fuck. Her? Klarna. What the fuck do I do with this? $160. $116. That was for his Christmas present last year. Oh, and you still owe on it. You suck. Oh, we're back to him. The guy that can actually send statements. 12% loan. Okay, what did you borrow from Empower? That's 401k. And then I pay it back because I'm just paying myself the interest. Yeah, but you're still losing. You're still losing money because you're not getting market gains. No, they still, they take the full balance. Like whenever I borrow from it, I still have the base amount. Because I'm paying it back, then I get the full balance back on it. I'm not losing money by taking it out. No, no, no, no, no, no, no. I'm not saying, I understand you're paying yourself back interest, but that money of which is tied up in the loan is not accruing in the market. I didn't know that. I thought it still was. And guess what? If you did get fired from that job because you got arrested, it would have been called due. So one of those was, there's two. And what was this for? Down payment on the house. Parfait 401k for down payment on the house. Mm-hmm. Okay. Now for what it's worth, the interest that you're paying back to yourself, but you're having to pay it, so it's still your money is that 12% instead of actually just getting a free 12% from the market. So when you think you're paying it to yourself, it's still you just putting money in. So stop thinking it's like a return. It's a very weird perspective you people have on this. I would rather pay myself interest than some company though. Yeah, but I would rather you just get the interest for free instead of you having to put it in there. What? Plus, how about instead of borrowing for a down payment, you just save up money and get a down payment? It was $900. Okay. Well, that's the second one then. Okay. Your payoff quote for something, I don't even know. What the is this woman? Oh, for my Jeep. Oh, great. Again, you can't. You can't send a statement because you are literally $6,529.24. Smacking your lips isn't going to help you get out of that. What is the payment on this? $423. What's the interest? And that's why we would like a statement. You actual piece of shit, incapable of helping me do anything. What do you think it's worth? $2,000. Not that. $2,500. You're the Volkswagen. Huh? Yeah. 17% interest. Wouldn't be surprised if it was pretty close. $12,809 with a minimum monthly payment of? $349. $349. These balances aren't the worst balances for car loans for your guys' income position, but the interest rate is horrible and the terms are very long and this is worth $600. Yeah. $600. I was going to trade it in. $600. And they were going to give me $6,000 for it, but I didn't want to take out another bigger loan. What's wrong with that? I didn't want negative equity, like $6,000. Here's your other 401k. There you go. It's $8,600. Okay. Checking accounts is what I'm most curious of, but here we go. That $8,000 was the balance in there. I don't think that's what I, that's not what I took out. That's probably true. I don't know. Okay. I don't see it on that sheet. Okay. You got $40,000 to student loans, don't you? Yeah. For not even having a degree. I have a baby one, but yeah, going to have a bachelor's. You mean associates? Yeah. I think so. But that's deferred for now. Okay. You said it's $40,000? Oh, you betcha, buddy. It'll be more. $192,330 on this house. Interest rate, 6.25. Yeah, that kind of makes sense. Minimum monthly payment, $1,509.07. Okay. I can figure out about that, but I don't like you borrowing to get the down payment. Now, $149 in the checking account. This is what I wanted to get to, and this is the joint account, so let's see where it's all going. Tell me who did what. Sonic. Sonic. Me. Okay. So you're taking from the checking account for that bullshit. Burger King. Oh, the fast food's going to be me. Oh! What about Hobby Lobby? Would he go to Hobby Lobby? Doubtful. Oh, that's interesting. Sonic Drive-In. Hmm. Hmm. Liquidate. Mobile purchase. That's him. Yeah. Okay. Bargain. Uh-huh. TJ Maxx. Now, that could possibly be him. Bullshit. Uh, Papa John's Brew Coffee Chat GPT. I saw he had Jeff's GPT. but those two going out to eat is yours. Taco Bell, Amazon, Sonic. Amazon could be him. Sonic is yours. Sonic, sushi, you lucky brand, you. Hot Topic, maybe him. Bullshit, lots of bullshit all throughout. Stopping in and getting low item purchases could be both of you. Sushi, definitely you. Burger King, definitely you. Pizza Hut, definitely you. See how this is going, woman? No, the fancy eating usually wins. Shut the fuck up. McDonald's, brew coffee, bullshit, bullshit, bullshit. Taco Bell, Sonic. You said he spends all his money. I have to put it on the credit card because he spends all the money and drinks up and doesn't get it out. The only thing I spend on is food. Yeah, and you spent hundreds of dollars. Yeah, well, I got to eat. On groceries as well. What? Cook, woman. You complained about your entire life. I do do groceries as expensive as hell, too. Not as expensive and even close to as food. We drop like 500 on groceries. So, I mean, it's arguably about the same. No, it's not arguably. It's not even close. You spent hundreds of dollars, drained your checking account, and then you say you don't have enough money so you have to put it on our credit card. You're coping your entire life to make bad decisions. You're pathetic. You're upsetting to be around. Okay, total income. Practically, okay, $7,050. Good, that's our average. Let's get our minimum fee debts. This is going to stack, let me tell you. $3,730. That's crazy. And $0.07. That's including with the mortgage. What are utilities? Utilities, internet, gas, electric. Come on. Water's about $32 a month. Electric's about $160 a month. Internet, gas. Internet was $120. I dumped it down. I think it's $75. Gas, I don't know. We don't have gas in our house. I'm going to say it's $312, just whatever. Phone bill, how much? $310, $320. Listen, I would do helium for her. Maybe not for you because you're out on the water, but I would do helium for $15 for the line. It's good in most places. You have to have the phones paid off. I do the trading. Yeah, you have to do that. Then do it. I'll also get you a course career certification so you can get a job instead of this pretend homemaker. No, you're not. Bullshit. Shut up. You can get in tech and the trades and a lot of different things. People in the audience use it to get a six-figure job. Then I'll get you guys also set up with a Chime card as well. It's really good. Lots of benefits signing up for our audience, but I'll get you it as well. Check that out. Okay, gas. Vroom, vroom, drive, drive monthly. How much? Oh, that's what? We don't have any gas utilities. No, in the car. I know, but he put $320. For the other gas. We don't have any gas. No, we didn't. He added. Shut up. Okay, well. I do the budget because I know. I don't do a lot of driving. So just answer the question. I am now. I said I don't do a lot of driving. How much gas do you purchase? I have no idea. I maybe put $30 in a week. Oh my, she sucks, man. Okay, you? None, I'm on a boat. But yeah, but not always. When I'm home, I just use the other car. I mean, like we only drive one car. I'm going to round it to $175. $120 a month is probably it. Okay, I'll do $300. Okay, car insurance. When I come in off the boat, I got to round it too. I don't pay gas. Car insurance. $300. Necessary food. You and the kids, all that stuff. But you're kind of gone all the time. We should be able to do about 800 meal preps, meal plans. And you actually have to cook. And yes, and it's a lot of warming up more than anything because you prepare it a lot. But you have to do it while you're on a budget because your debt payments are way too high. TP, anything else for you and the kids that includes school supplies? School supplies, activities, all that good stuff. It's different stuff each month, but you should be able to do $300 a month. Medical, healthcare, co-pays, how much? I never go, but I think our co-pays are like $30. Okay, if you don't go, then I don't have to budget it in, dude. Is there a gym? Hell no. Okay. Okay. Subscriptions, I'll do $100. Pets, how many cats, how many dogs, what? One cat. $50 pet insurance. How much for pet supplies monthly? I would say, well, around $100. Okay. Anything else that needs to be in this budget that I did not do? I don't think so. I would say subscriptions is probably more. Except no, because you're cutting that is the point. This is sacrificing. Do you get that? No. Huh? He doesn't get sacrificing. Who are you answering for, him? Yes. Okay, interesting. Okay, $6,312.07 a month. You're going to take forever to pay off. This debt, because that is only a wiggle room of about $700. And of the debt being $272,870, but we are subtracting $192,330 of mortgage, and we are subtracting $40,401 of student loans, leaving you with $40,000 of bad debt. That $40,000 of bad debt with the $750 left on a monthly basis, that's 53 months. That is too much. Literally, you just go work double the time you're doing now and you guys pay off this debt in like a year. Two years. Two years. But right now, this takes four and a half, which is ridiculous. That's with our student loans? Without. Without. And without the mortgage. You need to go get a f***ing job. Use a course career certification. Stop with this bullshit business thing that is never going to work where you are. Go work. Even what you're doing right now, double the hours. Pay off this debt in two years, then get a fully funded emergency fund, and then live 50-30-20. 50% on needs, 30% on wants, which will be a good amount of money for you guys' income. And 20% on your debt. And then 20% goes to investing because you guys need to dramatically catch up for your mid-30s. You guys are far behind. In fact, I'll do 50% on needs, 25% on wants, 25% on investing. Okay? Now, here's the thing. I got to give the hammer financial score first, but the thing is, in the post show, there's something he did recently. What? That he did behind your back that is going to blow your f***ing mind. And I'm sorry. So just, yeah, we will go into it in the post show. Let's get the hammer financial score first. Spending in your budget. You didn't overspend, but it didn't go any, it just broke even, but everything went to just bullshit. Nothing to progress the debt. So one out of 10 debt. There's collections, zero out of 10. Buy that, close the count. And emergency fund, nothing, zero out of 10. Retirement, you have a little bit, but you have a 401k loan to get it. Against that and very behind in retirement. So two out of 10 real estate. I don't know. What's the house worth? 220. Okay. So you would barely, you wouldn't even break even. You'd have to write a check to sell it. So that's not great interest rate. But you have a 401k loan against the down payment. Not the best. Least you in the market. Three out of 10. Hammer financial score, one out of 10. Get your updated score at calebhammer.com for free. Now join us in the post show. Plus an extra three premium shows every single day, six days a week. The best membership on YouTube for a reason with over a hundred thousand monthly active subscribers because it's incredible. It is the best on the platform. You can also download the Hammer Elite app or go to hammerelite.com. You'll see us in the post show. I mean, I would like for him to finally realize that it's a mess. Yeah. Do you think he did? I think that he will probably try really well for a couple of months and that will be about it. And then what are you going to do after that? It's been a lot of times already. I am not going to keep sticking around for this. So you mean divorce? I just launched the brand new Hammer Elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day. Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join. And that's a promise. If you think you have interesting finances with an interesting personality or a story or a life or relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to calebhammer.com slash apply or click that link in the description below.