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The Most Hated Couple In Financial Audit History

99m 48s

The Most Hated Couple In Financial Audit History

The episode of Financial Audit features a married couple, James and Sarah, facing a severe breakdown in trust and stability. James, a DoorDash driver, expresses deep frustration over Sarah’s repeated absences from home, where she takes the children to meet men—first at McDonald’s, then in church with a homeless man—leading to accusations of infidelity. Sarah admits to having cheated on James multiple times over eight years, including with coworkers and friends, and claims she turns off her location to avoid being found. James reveals he has been emotionally and financially drained, citing poor communication, inconsistent income, and a high-interest credit card debt. A DNA test on their child confirms the child is not biologically his, adding to the emotional toll. Sarah struggles with her seizures and medication adherence, and the couple lacks a shared parenting plan, with Sarah frequently leaving the home and taking the kids to meet others. James feels abandoned and believes the relationship is beyond repair, while Sarah expresses a lack of willingness to change. The episode underscores a deepening crisis in trust, financial management, and parental responsibility, ultimately suggesting the marriage is unsustainable. The host emphasizes financial health and personal accountability, promoting tools like Dollar Wise to help viewers manage money and relationships more effectively.

Transcription

17289 Words, 87057 Characters

English
- To watch episodes of Financial Audit a week earlier, check us out on YouTube. - I wanna be clear, you've been cheated on probably a dozen times. You've caught her three times. - She took some dude to church, some homeless guy, and they were all over each other in church. - The , what is happening? - I felt like if I got pregnant, he would leave and I would just go to this guy. - Have you done a DNA check on the three-year-old? You know she's saying she wants you to leave. - I'm not gonna lie, I'm on my breaking point. I'm like, I can't. I can't keep doing this. - James, what list are you on? - I'm on a child. I cannot work at a school, cannot work at daycare, anything like that. - How old was your little sister? - She was 13. - Dollar Wise is about to launch its biggest update ever. My team and I have been working day and night, and in the next few weeks, Dollar Wise web goes live. For the first time, Dollar Wise is coming to your desktop, giving you a bigger, easier way to see exactly where your money goes. Plus, we're launching the Dollar Wise referral games with real money and huge prizes. You do not wanna miss this. Download Dollar Wise using the link below and create your account now, because when the Dollar Wise update drops, the games begin. I want you to be on the next episode of Financial Audit right here in Austin, Texas. 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/apply or click that link in the description below. - Hi, I'm Sarah. I'm 28 years old. - I'm James, I'm 28. I'm from Glenwood, Arkansas. - And this is Financial Audit. - Is she from Glenwood as well, by any chance? - Yes. - Okay, good, 'cause you just kinda said you. - No, we both are. - Well, thanks for coming on, guys. Thanks for coming down to Austin. I really appreciate it. Sarah, you're the one right in front of me, so let's start with you. What do you do for a living in Glenwood? - I work in Hot Springs, but I work at Subway. - It's a 45-minute drive. - Do you work, well, what is Hot Springs? I thought you were working at a place that was a hot springs. - Hot Springs is the town. - Oh, okay, I didn't need to know that, but that's fine. You work at a Subway. An artist, a sandwich artist, they say. Yes? - Yeah, she can learn to make me a sandwich. - He makes his comments all the time about. - Does he? - Yeah. - Oh, you're a big commenter, I see it, okay. Very good. Yeah, okay, sure, what do you do there? - I do a little bit of everything. - What's your job? - My job is service. I turn around and I will make sandwiches. - You're a sandwich artist, perfect. What do you make? - A lot of times it's the, like the 12 inch foot longs, or it just, or I just, or I just make drinks. - What are you laughing about? - Oh, I'm just making a blonde joke. - He makes his blonde jokes all the time. - Is that what he makes? You actually don't understand what I asked. - No, she don't. - What do you think I asked? - No, what? - You're asking what she makes an hour. - Okay. An hour is $11 an hour. - Sick, how many hours a week do you work? - Pfft. - Hi, I'm Tim Goey, and this is Fushigi. - That just depends. - Okay, tell me typical. - I'll handle this, thank you. - I will work, sometimes it'll be my full shift, where I work like 11 to seven or something. - Okay, how often does your paycheck hit? Is it weekly, is it bi-weekly, is it monthly? - Bi-weekly. - Perfect, what is the average amount that hits your account? - Sometimes. - Average. - Average, I would say probably about two, 250. - Every other week you make $200. No, no, no, that's a question. - Yes. - No, no, no, every other week, I'm, oh, hold on. Okay, when you get paid, which is every other week, right? - Yes. - The paycheck that hits your account is $200? - Yes. - Mika, can you put her outside of the room real quick and just close the door? And, okay. You get out there, Sarah. I need to know right now, 100% in every legal and medical way possible, is she mentally - Oh, no. - Because how I approach this conversation is different, whether or not she is a special needs individual. Is she a special needs individual? Does she have-- - Not to my knowledge. I just know she's not very-- - Okay, what the is happening right now? Dude, we are a couple minutes into this conversation. She cannot answer how much she makes. And then they only let her-- - She just started. - Okay, but they only let her make $200 every other week? - She hadn't gotten her first check yet. - Well, then how the would she know? Why didn't she tell me that? So she's not mentally handicapped. - Well, no, she-- - So I can bully her then. - If you want. - Because she's not mentally handicapped. You're confirming. - Yeah, just don't go too hard on her, but-- - Oh, I'm gonna let you go hard on her, okay, buddy? And I will just do my thing. Okay, yeah, let's bring her in. I guess she's a normal, fully cognizant person. Oh, Sarah, welcome back. My beautiful Sarah. I just wanted to, you know, get some clarity from our friends. Okay, okay. Very good, very good. How long have you been working at Subway, Sarah? Oh,. - It's not long. I just started the job. - And how long have you been working at Subway, Sarah? - I'd say maybe. Oh, Lord. How long would you say? 'Cause I would say. - Oh,. - James, how long have you been working at Subway, James? - Maybe a week, a week and a half. - Okay, so you wouldn't know what you get paid. How many hours are you expected to make work a week? Expected to work a week. What did they tell you? 'Cause then we can do some math. We can figure out what you think you're gonna be making. - Say something. Yes, chief. No, chief. Maybe, chief. - How many hours a week do you work? Do you think you're gonna be getting? - I don't know. - Sarah, what did they tell you you'd be getting? Sarah, please. Sarah, please. Sarah, please. Okay, what was she doing before this? - She was working part-time at Dairy Queen. - Okay. Well, we love DQ here. Big DQ fans. Let me tell you. I dumped those tenders in that gravy. That shit is so. - Oh, good. Am I right, girl? Am I right, girl? - Yes. - Oh, she loves that gravy. - Yeah, she was making. - The gravy's the only thing she can chew. Okay, James, what do you do for a living? - I door dash for a living. - I hope this brings in money, 'cause I don't know how the you guys are pa-- Are you guys married? - Yes. - You guys are married? - We've been legally married for the past three years, yes. - Oh, thank you for being able to answer questions. Legally married? - Yes. - Were we illegally married before? - No, no. I just, we went to the courthouse, got married. All that stuff. - Love it! That's good. Love's in the air. - Well, we've been together for eight years now. Eight and a half years. - Okay, very good. Okay, so we got together at 20. Little love, little marriage. That's beautiful. Okay, so how many hours are you doing door dash? What are you bringing in on a monthly basis? - On a monthly basis, I'm bringing about 2,000 a month. - Okay, thank f-- Listen, I do not know the cost of living in Greenwood, Arkansas. - It's low. - I've driven through Arkansas. But I don't think Greenwood's known for being the more expensive place to live. - No, it's a logging town. - Now, 2,000 bucks, that's before maintenance. - Yeah. - Is that after gas? - Um, some of the gas I don't pay for. - What? - My dad has a company fuel card for his business. And sometimes he lets me fill up off of it. - Are you f-- kidding me? Okay, well, hopefully he, no one. Yeah. Oh yeah, me too. Me too, girl. - It used to be more, but. - Huh? What are you looking at? Where are you going? - What I made used to be more. - Why is it less? Okay, guys, what's going on here? Just tell me, what the f-- is going on here? - Okay, so I used to make more money, but it's been more of a struggle getting her to sit home with the kids. - Well, she has a job. With the kids? - When she's not-- - You impregnated her. - We have two kids. - You popped out children. Children were popped out. Was that legally? - Rape. - Uh, what? - Special? No. Okay, two kids. How old are your kids? One is three and one is eight. You have an eight-year-old? Yeah. You guys got pregnant immediately. Six months into our relationship when we first got together, yeah, she got pregnant. Why don't you have to stay at home with the kids, especially the eight-year-old? I mean, I don't know. I mean, what's the issue? Well, I can't get her to stay home after she's off work, so that way I continue working. Wait, after work, you don't go home? No. Where the fuck are you going? With him. Where? She tries to go with me while I'm door dashing. What the fuck are we doing? You know you have kids at home, right? Yes. Why don't you want to stay with them? Take your time. Why don't you want to see your kids? I, it's more due to my frustration and how I feel like I can't handle them. Okay. I'm sorry. I have to ask, because I've just never experienced it. If you will just go with me. Can I see that upper row? He wants to see your smile. Please. Just a big smile. Big as you can. Big smile. I've just never seen it. Or you can lift up your, your lip. You can also say no. Like, I'm getting this. No response here. Well, there it is. We just saw it. Okay. Um, why? What happened? My patience level. I let it. But your bottom row's fine. I tend to try to just throw it off on him. Your teeth? No. No. I asked how they got like that. Because I wouldn't, honestly, wouldn't. Take care of myself like I needed to. I'm confused. How does that work? Her bottom row is not fine. It's, it's only these front few. It's better. Oh. Only these front few. Yeah. Okay. So you want her to stay home with the kids? Yes. Why the f*** won't she? Um, she has seizures. And she, she's on medicine for it, though. But she tries using them as an excuse, plus her patience level, plus I can't deal with kids. Doesn't someone need to be home with the kids? Yes. Yeah. Who's with the kids? They are either with my mom and dad or her mom and dad while she's at work. Mainly her mom and dad. And then as soon as she gets off work, they make us come get them. I'll take her back to the house with the kids. And when I take her back to the house with the kids, she'll walk off with the kids and go back to her mom and dad's. And I'm like, can you not stay home with them? Are they okay with that? The mom and dad's? They get frustrated by it. And then they're all. She's also living in a hotel room, so like. Why the f**k? I don't want her and all the kids cramped up in a hotel room. Well, why are they in a f**king hotel room? Their house burned down. What the f**k? Was it after you were f**king, you making all the m***** in the basement? Just assuming. Like, I don't know. Something's going on here. It's f**king weird. Oh. Um, okay. Okay. Well, yeah. I mean, that, that's the issue. Is she going to be able to pick up more hours from work, though? Because the reality is you guys just have to make more money, right? Like, that's. Yeah. That's clearly what's going on here. Whether she's staying at home or not with the kids, like, I mean, sure, I would rather mother stay at home with the kids. Yeah. than grandparents. But. Like, that's not my biggest concern. She needs to work more hours, but she's not, she doesn't even know how many hours she's going to work, dude. Yeah. From what I'm gathering, because they, they, they started her, they're training her. She's working 11 to, 11 to 4. Yeah. And there was, um, I believe she, she won't get her schedule until. Why are you scratching yourself?. later today. Uh. Is that on? It's. She won't, she won't, uh, get her schedule until later today when her boss texts it. But, um, I seen one day where she worked 11 to 7. So I'm hoping maybe, maybe when they're done training her, it'll bump up to 11 to 7. No big deal. I'll start working early in the morning and, you know, work until she gets off and, you know, maybe I can make money that way. She can make money at Subway and we can both bring in a good income. Now, you said you lack patience when it comes to the kids. When I was talking about your teeth, but you said lacks patience. What? What's the issue? You're a mother. You, you had the kids. Take care of the kids. What is this lacking patience? I'll get frustrated over stuff. Like what though? Give me an example. If the kids don't listen. Okay. What was like the last thing they didn't listen to? And. And. Tell them to do something and they're like, no. Yeah. And then what do you do? I get frustrated and I yell at them. You yell? What kind of yell? I'll just, I'll turn around and I'll, I'll yell their name and then I'll be like, no, you do it this way. You do it that way. You do it this. Do you make them brush their teeth? Yes, they do. I don't know buddy. What do you think is going on here? I don't know. I. This is my biggest frustration because a lot of this, like not wanting to be home with the kids started two years ago after she gave birth, two, three years ago after she gave birth to our daughter. So she didn't have any issues with the eight year old? Mm-mm. She used to sit home with them all the time. So what's going on now then? I have no idea. What does it look like? So before she gave birth to our daughter, she would sit home because we were living with my mom and dad. She would sit home. Oh, well that's support. She would, she would sit home with the kids. No problem. Sit home with our son. No big deal. I'd go out work. I'd go out work. All fine and dandy. We decided to move into town. We have the, she has our daughter, we move into town. She slowly started like not, like when she gave birth, she kept pushing her daughter off to her mom and dad's, especially as a newborn. I'm like, that's not right. I guess. Cause she was over at her mom and dad, our newborn daughter was over at her mom and dad's house for two weeks straight one time. And I'm like, that's, that's, that's not right. She should be home with us. Um, and like, I don't have an explanation for it. I just know it, it, it started happening after she gave birth to our daughter. She just couldn't sit home with the kids. Couldn't watch them. You said you were making more before. Yeah. Cause we were, um, she was actually sitting home with the kids. No big deal. So you're saying you need to cut your hours right now because the kids are just at the parents. So you need to go pick them up. I have to go pick them up and then she won't stay home with them. And she'll try to like walk off. Hey, you know you gotta pay bills, right? Is that funny? Is keeping a roof over your head funny? Funny? No, but I do know that we do have to pay the bills. Then why not take care of the kids so the man can go work? That's what he's trying to do. He's trying, he's actually trying to go get more hours. That's what bro is trying to do. And do you not support your husband? Do you not love your kids? I do. Do you then not? Why not provide? Why aren't you a provider in this house at all?. I don't. What's wrong with her? I've never encountered someone like this. She can't process or think or something. What's wrong? What's wrong with you? I feel like. I think she's nervous. I feel like being at home, I'm just locked up inside and not able to do anything. Well, why not take the kids with you to a park? That's fine. But why not take the kids with you to the park? Still got to take care of the kiddos, right? You're making him have to leave work where he's genuinely making money and come take care of the kids because you refuse to be mother. You can't take them to a park. I can. Or do you just want to go do what you want to do? A lot of times it is what I want to do. So you're being selfish, prioritizing yourself over being a mother and being a good partner. How's y'all's relationship now with this big dynamic? It's up and down. We've been fighting a lot, especially over money. She fights. Well, mainly me. I get mad. Tell me. I tell her, I said, I need to be working. I can't pay these bills if I'm not working. I do agree with that. I've never had someone beg to work more on the show. My goodness. You know how crazy that is? That you are holding back. That is not funny. You can't pay your bills. If you're laughing at that, that's pathetic. So, when I would, on the rare occasion, I'd get her to sit home with the kids. And she has a medical history of seizures. I know that. She will turn her location off. Well, what the f-- Walk off from the house. I'm sorry. And disappear with both kids. I'm sorry? How does having a seizure equal turning off location? Please help me understand that. In more than five words. I do. I do it so that way he can't find me. Why? I need to know why. I, I, usually people turn off location so that someone can't find them. Yes. That's how that starts. Why? good one try again because i feel like a lot of times he'll just get mad at me for leaving well because she's going where what oh she'll normally walk to her mom and dad's which kind of frustrates me because i'm like well that's not inherently bad no but they're all i know the hotel room situation is not the best but it makes sense for wanting to um the grandparents like that's not bad there was one time i caught her walking down a the four lane highway that was near our apartment with the kids what the where are you going i don't know where she was going uh fan duel is now available everywhere in the u.s so you can get in on the sports action no matter where you are including these places make this your most rewarding season ever with fan duel age and location restrictions apply product availability varies by market see fanduel.com for eligibility gambling problem call 1-800-GAMBLER where are you going and then she'll just start walking around where were you going honestly i don't remember walking on the highway with your kids yeah i'm not sure i don't think i've ever walked on the highway with my kids nice and then what you said what you call her what i um i uh i forgot what i said um oh so when she would go to her mom and dad's i have no problem with that right other than the fact that it's a cramped hotel room i've caught her walking down the highway i've caught her walking random places i've got no problem with her going to the park it's just i want her to leave her location on when she leaves yeah if she has a seizure or something i need to know where she is i agree that is scary so why not okay i mean listen if you you turn off location because he gets angry that you leave so that's why you turn off location so he doesn't see where you go if you turn off the location he's gonna know you left anyway so he'll be upset regardless why not have it on for safety so it's because we don't know what the like uh the highway is insane i'm not as freaking out about the grandparents and whatnot yeah the hotel room situation that's not the best but it's like whatever the highway and other things are crazy why not just leave it on here's a question for the gooners out there why do most of the adult toys out there feel like a power tool with the sleeve on it one motor one flat buzz and the same speed from start to well finish lilo is today's sponsor and they're a swedish company that's been making high-end pleasure products since 2003 and they just relaunched the f2s with double the motors the f2s double sonic twice the motors twice the fun it's got two sonic stimulators one at each end of an open-ended real feel silicon sleeve so the whole length is doing something instead of focusing on one spot like an angry bee the f2s was designed around one simple idea the best pleasure has rhythm vibration and a little unpredictability with two sonic stimulators working together and the new humanized mode every pulse can shift subtly into timing and 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budgeting app there is download it now start the free trial download it now start the free trial download it now start the free trial dollarwise.com link in the description dollarwise.com link in the description dollarwise.com link in the description below what else are you doing what are below what else are you doing what are below what else are you doing what are you you have to you you have to you you have to people don't do that unless they're people don't do that unless they're people don't do that unless they're hiding something i just i just have to hiding something i just i just have to say maybe there is nothing i don't know say maybe there is nothing i don't know say maybe there is nothing i don't know the producers don't know can't get a the producers don't know can't get a the producers don't know can't get a word out of you word out of you word out of you but what but what but what what are you not telling me a lot of times what are you not telling me a lot of times what are you not telling me a lot of times i'll go i'll go i'll go to just try to if not go to my mom and to just try to if not go to my mom and to just try to if not go to my mom and dad's i'll go try to hang out with a dad's i'll go try to hang out with a dad's i'll go try to hang out with a friend or something but you why i'm so friend or something but you why i'm so friend or something but you why i'm so confused why you can't take care of the confused why you can't take care of the confused why you can't take care of the kids and especially like every day i kids and especially like every day i kids and especially like every day i understand wanting to see friends i understand wanting to see friends i understand wanting to see friends i understand wanting to be around friends understand wanting to be around friends understand wanting to be around friends and that's fine and family but and that's fine and family but and that's fine and family but like let's make that two out of the like let's make that two out of the like let's make that two out of the seven days and not is it seven out of seven days and not is it seven out of seven days and not is it seven out of ten days she'll at least help me so i ten days she'll at least help me so i ten days she'll at least help me so i mean i guess that's okay doordash okay mean i guess that's okay doordash okay mean i guess that's okay doordash okay great i guess hills are hard for you but great i guess hills are hard for you but great i guess hills are hard for you but i don't know no okay i don't know no okay i don't know no okay but it's frustrating you take your but it's frustrating you take your but it's frustrating you take your medicine for the seizures medicine for the seizures medicine for the seizures sometimes okay well what the am i sometimes okay well what the am i sometimes okay well what the am i supposed to what are we supposed to do supposed to what are we supposed to do supposed to what are we supposed to do then if she's not willing to take the then if she's not willing to take the then if she's not willing to take the medications she needs to take that medications she needs to take that medications she needs to take that that's that's one of the small reasons i that's that's one of the small reasons i that's that's one of the small reasons i applied because i'm like applied because i'm like applied because i'm like maybe if somebody could talk some sense maybe if somebody could talk some sense maybe if somebody could talk some sense into her you know we'd get this stuff into her you know we'd get this stuff into her you know we'd get this stuff figured out we'd get figured out we'd get figured out we'd get something done something done something done because i'm i'm not gonna lie i'm a because i'm i'm not gonna lie i'm a because i'm i'm not gonna lie i'm a breaking point i'm like i can't breaking point i'm like i can't breaking point i'm like i can't i can't keep doing this it's i mean like i told her it's not it's i mean like i told her it's not it's i mean like i told her it's not fair to my daughter that my daughter fair to my daughter that my daughter fair to my daughter that my daughter sitting in the car for eight to ten sitting in the car for eight to ten sitting in the car for eight to ten hours a day hours a day hours a day okay but you say you fight over this and okay but you say you fight over this and okay but you say you fight over this and she is she willing to change what's her she is she willing to change what's her she is she willing to change what's her perspective because she won't tell me perspective because she won't tell me perspective because she won't tell me what's her perspective when you bring what's her perspective when you bring what's her perspective when you bring this up she tells me she's gonna try and this up she tells me she's gonna try and this up she tells me she's gonna try and do better but i don't see it are you do better but i don't see it are you do better but i don't see it are you trying to do better sometimes what does that mean dude sometimes what does that mean dude sometimes what does that mean dude that's not funny talk to me this is a that's not funny talk to me this is a that's not funny talk to me this is a serious conversation this is your kids serious conversation this is your kids serious conversation this is your kids we don't around with kids come on we don't around with kids come on we don't around with kids come on what do you mean sometimes you won't what do you mean sometimes you won't what do you mean sometimes you won't even take your medication a lot of times i'll just say i'm not a lot of times i'll just say i'm not a lot of times i'll just say i'm not worried about the medicine worried about the medicine worried about the medicine and and and i tend to try to push it off but he i tend to try to push it off but he i tend to try to push it off but he tries to push it on is that pushing it tries to push it on is that pushing it tries to push it on is that pushing it on you taking the medications you're on you taking the medications you're on you taking the medications you're supposed to take that'll protect you supposed to take that'll protect you supposed to take that'll protect you from caesars from caesars from caesars i don't understand why why not take it i don't understand why why not take it i don't understand why why not take it what's what's the anti what's what's the anti what's what's the anti what's the argument a lot of times i'll forget about it then a lot of times i'll forget about it then a lot of times i'll forget about it then is it him pushing it on or just is it him pushing it on or just is it him pushing it on or just reminding you technically it would be him reminding me technically it would be him reminding me technically it would be him reminding me i just don't what the are you talking i just don't what the are you talking to take it because she don't like to i don't think she likes to take medicine at all are there side effects to this there are but i haven't noticed any in her so what the fuck are we doing here and she's supposed to take it twice a day i've just been giving it to her once at night to like when we started it that was just when we started the medication is directed i'm trying to give it to her in the morning too but she won't take it okay dare i ask we just know how every creature is in financial audit and let me tell you you guys are creatures if there are any you gotta be quicker than that buddy especially with the location turning off has there ever been in the eight years or three years of marriage any infidelity yeah she did she was working at mcdonald's let huh she was working at mcdonald's last year oh okay is that you okay oops the dick slipped in i worked at mcdonald's the golden arches is that how that works how is it how are men getting cheated on by the most literal disgusting creatures that have ever been created in the history of this planet yes i'm talking about you i have no idea um so it is a long history with us we started having three ways like five six years ago yeah but that's fun you guys are consenting to that yeah we can send it to it it was only women no big deal you're agreeing to it um okay he's not gay everyone a year ago she started working at mcdonald's again with her dad um yeah her dad was her manager um no uh she started cheating with a guy up there and yeah he was working he was working a night shift with her a co-worker okay there we go that's all you had to say oh jeez i found out they were texting back and forth uh about um first one was in december of the year before oh it was the first guy that was mcdonald's man yep two of them were mcdonald's yeah you laugh both of these guys were bums no cars have you seen her what do you think is going for her i know probably you're still with her the kids nah i love her no they do better without i want her to try to do better i mean i don't know if that makes sense i i don't want to just well i've been with her so long i don't want to just throw my hands up and give up i want i want her to try and do better no she's not going to she won't even brush her teeth so how'd you find out about mcdonald's man number one apparently number one i caught the text messages real uh yep how's all this sitting there to pop it up i was just laying in bed at night and i decided to grab her phone because mine died and mcdee that was popped up pretty much i mean i was just going through her phone and i just started seeing text messages about and what the guy was talking about how they were making out in the back of the store i'm like what the hell yeah this was it wasn't even like online this was like actual in person how far did you go with him be honest we always catch people in their shit we'll do an investigation afterwards we'll call people you won't get away from this the farthest we went was mcdonald's number one yes the making out in the back of the store and my dad my dad caught me oh and told him i thought you said you caught her on text messages look out text messages your dad never told me your parents never told me nothing but your dad caught you and didn't even tell him well no shit he hates your grandparents now i understand why are your parents like why the because he's so anti them well there we go they've never liked me since we got together either well you're a fat disgusting well i wasn't fat when we got together what happened bringing home that cheating mcdonald's regular sodas i started drinking started drinking 224 that's insane you just made a he kissed you yes we put his tongue in your mouth do you no no of course not i'm not i don't know i don't see that the tongue kissing thing that's not my thing that's weird that's not what i was even talking that's not weird but like i'm sorry her mouth is rotten i know and he didn't care he was all up in there huh so there was no grab of the bulge of the tits no touching literally it was making out with our hands like this no no which which part we did grope yes did he ever see you naked no how did it only stop at making out though because that's just not how that stuff works he ended up moving away yeah but how long were you doing it with this with mcdonald's number one it was a it was a little bit how long for i'd probably say for maybe like a few months and it never went beyond making out that's impossible you're lying no you just didn't get caught we were at work and yeah but if you're already making out i don't trust her okay well when did you catch her the second time the second time was another guy up at mcdonald's oh my and when was this uh it was about april may last year i caught her you're a cuck loser yeah april may yeah how'd you catch her um i was again on her phone after mine died and i was just sitting on the toilet taking a duke playing a game on her phone and you're not hiding he starts no he starts texting and wanting her to leave walk off from my house to go meet him somewhere so they can okay and when i got home i was like oh my god when i saw that i'd i lost my shit i started yelling at her uh threw her phone at her and i said what the hell you threw a phone at her i don't know if we should do that the yelling i at least understand did you hit her with the phone yeah it kind of hit her where'd it hit you it just hit her arm okay what else i was just yelling at her and then she tried walking off from the house and i'm like no get back in the house okay uh and how long are you with him mcdonald's too that was a few months okay you guys come on and you guys right yes how many times twice twice in a few months did he wear a condom no have you done a dna check on the three-year-old i'm not even kidding yeah yeah three-year-old's you did a dna check you did a dna check yep see people don't do that people don't do dna checks on their wives on their no no on the kid they made with their wife why'd you do a dna check i just want to make sure uh-huh is that not a wake-up call leave what the that was only march april hey guess what did he come in you yes i didn't know any of this explains why your parents hid it from me oh they knew about this man coming in here they knew about him yeah what yeah they knew about him because and then her that was her her dad was his boss well that doesn't mean he knows who's well no he doesn't know that i don't know if they know that but i know they were all over each other up at work and so and he doesn't give a her parents don't care no he hates you why why do they hate you when me and her got together i was 19 no job same with her i mean well no when she was 19 she was working at mcdonald's we know she loves that job i didn't have a job i was just running around doing whatever i wanted because i mean i grew up with daddy's money my dad's always made good money he's always giving me money for doing stuff for him so how many abortions have you had abortions yes i haven't done any honestly why did it take you a second you to think about the situation were you taking plan b's after every time what were you gonna do if you got pregnant like a month ago he came in you twice what were you gonna do if you got pregnant oh that didn't that was last year but okay what were you gonna do if you got pregnant fan duel is now available everywhere in the u.s so you can get in on the sports action no matter where you are including these places make this your most rewarding season ever with fan duel age and location restrictions apply product availability varies by market see fanduel.com for eligibility gambling problem call 1-800-GAMBLER i felt like if i got pregnant then it would be he would that that that's why he would leave and i would just go to this guy you know she's saying she wants you to leave well that's what she just said well i got she was giving you a reason to actually leave because she's too cowardice to break up with you you hear that right yeah if that's what she wants i'll just leave her at her mom and dad's hotel room she's getting raw loads from guys she's getting raw loads from guys how how are you still there how are you even sitting at this table right now i didn't know and now what do you think what's going through your head right now buddy i mean i'm not thrilled i mean i'm half tempted when we get back just to leave her at my leave her at her mom and dad's yeah my kids i would say so and then a third time somehow the ugliest creatures i don't understand the third time was a few months ago oh my and it was only one day and i caught it and stopped it we one day or what she took some dude to church some homeless guy and they were all over each other in church what is happening and i had to find out from the pastor why are you cheating in church where'd you find him stupid answers for 800 drug addicts apartment next door yeah huh there was a drug addict living next door to us and he was over there and oh she decided to take him to church one morning i guess while they were in church why'd you like summon him you see the dripping i'm fitted up i'm in my car in the giddy up hello why did you invite him because i wanted to go to church with me and i've have always felt like he wouldn't go very good why'd you start grabbing his chicken uh dick in the pews to try to make him happy did he ask you to no why are you trying to make him happy we we both had a like we at first thought we had a feeling for each other you just met him that morning and he's like why did you do that to me and i was like why did you do that to me Um, we sat in the sanctuary and I just filled on him. Huh? Like you were jacking him off over the clothes? Yes. Did he come? No. Okay. And then I ended up picking them all up from church. Including the homeless guy? Yep, because I didn't know that was going on. After we left the church, the pastor calls me and I'm like, oh. That's a problem. I want to be clear. You've been cheated on probably a dozen times. Hey, it's already over, girl. Let me just tell you, it's already over. How many more times have you cheated? Answer truthfully now. I will literally have my internet guy do a poll on you and we will find out. And I will put it in this video. Honestly, it's probably been about. Four or five times. Who were the other two? It was two guys that I was friends with. When? It was before. It was after. McDonald's number two. Which, okay. So this was end of last year, early this year. Yes. The two guys, you were friends with them. How, in what context? You were friends with them from where or what? We knew each other from school and we just. Tried to hang out together. All three of you? Do you know them? Does he know them? No. What would you say when you went to hang out with them? Or would you just turn off your location? I would turn off my location. Uh-huh. Okay, so what? You went in to their place? And it was both of them? I would go and meet, like, I would meet them, like. So this was this multiple times with the language you're using. Yes. It's okay. Be truthful. Okay. So you would meet them where? I would meet them, like, down the street or I would, like, I would walk from our place to, to meet them. Where would you meet them though? Like, what was the thing? We just met each other on the side of the street and we would just hang out for a little bit and. At the side of the street? On the sidewalk? Yes. Okay. What would you guys do on the sidewalk? Stand there, talk, hang out. Frankie, my favorite, what can I do for you? In you get, baby. Yeah, but you said you cheated. What did you guys do? We kissed. Come on. You're already there. He's already going to assume the worst anyway, so you may as well just tell. We kissed and we. Hugged all over each other. Did they both fuck you? No. Suck? Blowjobs? Nope. Cuddling? Just hugged and made out. Okay. And what was the fifth one? You said you cheated five times that you can remember. We would all just, I would, with each one of them, I would just make it up. Make out with them and hug them. So you would just get random guys. You would just make friends with random guys and make out with them and hug them. Yes. But you've only had sex with one, two? Two of them. Okay. I literally just said two because I made that up. I was going to say one, then send two. You're just agreeing with whatever I say. You're not going to admit to your full extent, are you? It would be two of us. It would be two of them or, and I would do it, like, I would feel like he didn't want to be around me because he would do more of his video games and everything versus spending time with me. Okay. So he wouldn't give you the quality time you're looking for. So you sought it somewhere else? Yes. Now you said two times or. What's the or? Over the course of eight years, how many other people have you been with if you had to do your most educated guess? And do not lie. We will find out. We always find out. I don't know. You can't even count. A couple a year? Sometimes. Were your kids ever, you would do a couple a year? I would take them with you, right? I would take the kids with me, yes. Well, that's frustrating. Oh. Oh, that's frustrating. Yeah. That's all you got. She would take her kids, go suck a dude's dick and get raw loads put in her. She would take her kids to do that. Apparently so. I don't know what to say. Just tell me what's going through your head. I know it's wrong to do it, but the temptation to strangle her, I mean. I've seen people spend thousands of dollars trying to lose weight, and the only thing they lost was the money. From gym memberships to suspicious powders. Everything that fails becomes a recurring cost that gets bigger and bigger, kinda like you. If I needed an idiot-proof weight loss plan that shrank my waist instead of my wallet, here's where I'd start. Weight Loss by HIMS is designed to support you at every step of the process. And now, HIMS offers access to an affordable range of FDA-approved GLP-1 medications, including the Wegovy Pill and the Wegovy Pen. So you can lose the weight and finally keep it off. With Wegovy at HIMS, lose up to 20% of your body weight when combined with the Wegovy Pen. It helps you regulate your appetite, eat less, and keep weight off. Plus, Wegovy is the first ever GLP-1 pill for weight loss, so you don't need to worry about needles. 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And to help you manage it all, subscribe to Genius and get access to Albert's AI-powered financial assistant that builds you a custom budget and keeps your loan repayments on track. If managing money feels stressful, Albert can help you cover life's bigger expenses while giving you the tools to stay on top of your money. Download Albert using the link in the description or QR code to try for 30 days before you're charged and get up to $10,000 today. Thanks to Albert for sponsoring this video. We'll see you next time. Bye for now. This is what I get. Why not just take the kids? Go. She clearly doesn't care. She takes them with her. Thinking that's what I might do. That's what you might do? I'm sorry. If I've been cheated on multiple times a year for eight years, I think I'm done. I don't think she's changing. You don't care to change. I mean, you're still going to do it. By the end of this year, you'll have another one. I don't know what it is. Maybe it's because you don't get enough attention. Whatever it is, you're going to do it. That's your entire thing. You've done it forever. Right? Yes. Buddy, I don't know what to do. She just said she's going to do it again. Are you guys in an open relationship? No. Okay. That's cheating then. Yep. So, given all that, and thank you for the backstory. That's actually very important. I know. Springer Elite. And I love it. But the thing is, it is financial audit. This is financial. And that actually is all applicable to all this. Yep. What do you guys want me to do? What do you guys want from me? I mean, I want to fix my budget. I know that. So do you. So I should focus on you. As far. Is she incorporated? Fan Duel is now available everywhere in the U.S. So you can get in on the sports action no matter where you are. Including these places. Make this your most rewarding season ever. With Fan Duel. Age and location restrictions apply. Product availability varies by market. See FanDuel.com for eligibility. We have a joint account, but nothing goes into it besides our money. That's not my question. I'm asking going forward. By percentage chance of you guys actually separating? 50-50. That's insane. You are such a pathetic cuck. You're a pathetic cuck. You're a pathetic father. You're a little bitch. I wouldn't say I'm a pathetic father. Yes, you are. You're a pathetic father by leaving them with someone who takes them to go suck someone else's dick. I couldn't think of anything else that is more pathetic. Go get yourself some assistance. Go sit down with Dr. D. He'll help you with this. He is my personal therapist who I've now worked with to allow other guests to see him because he's been so good with me. It's not a sponsorship or anything because he's anonymous. Sit with him. Talk with him. You get it for free. I pay for it. Literally. He doesn't give it for free. I pay. I pay for it. So the thing is, how is it 50-50? How the f*** is it 50-50? I just don't want to break the home because I know. It's broken. I know it's broken. I just. She's sucked two dicks a year minimum for eight years. And she literally said she is not stopping. She said that here on camera in front of you. She would. She would suck it out of the dick by years at how many guys not very much. How much last night was the first time we've done it in the past two weeks. I'm surprised you're even willing to get in there, dude. There's been other men's come. I didn't know that recently that I didn't know. And it doesn't f*** with you. No, it does. But you're 50-50. That's pathetic. My only. The only reasoning for that is I don't know. It's hard to think about breaking the home up with the kids involved. I'm thinking about them. They already are. What do you guys think your financial score is here to 10? Zero being the worst. Ten being the best. Point one. I'd say maybe one or two. If you want to know your hammer financial score, take the assessment. It is free. It's been revamped. If you've taken it in the past, you definitely want to take it again because now it is much more detailed in each category. Check it out. You can see where you need to do better, where you're already doing great and how you stack up against others. So that is free at CalebHammer.com. Just takes a few minutes to sign up. And if you don't want to be like a guest who ends up on the show, make sure you download the Dollar Wise budgeting app. It is the best budgeting app for the average American. And there's a free trial to see if it works for you. Most people take the annual version afterwards 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. Who cooks? Me. You do. So you work all day. Then you have to get home because she won't take care of the kids unless she can take the kids to go suck a dick. And then you have to cook. Then I cook the dinner. And what the fuck are you cooking, big boy? I like to cook a lot of Italian foods. Yeah, you do. You're a carb master, aren't you? Honestly, I don't eat a lot. Shut the fuck up. You're being a woman right now. You're being a fat woman. No, no, no. Every fat man, we're fully willing to accept that. We are fat because we eat too much. Oh, I'm a fat fuck. But I got fat from sodas. Because you eat too much. Huh? I got fat from sodas. I used to drink two. That's just. Okay. I would drink two to three, 24 packs a week. At least you recognize it's calories in, calories out. Yeah. Because it's the fat women that I gave my thyroid. No, it was from sodas. It is from sodas. You're drinking it right now. Well, we just don't have full calorie Coke, so. Yeah. I'm trying that, and that's probably not a good way to go either, but. It's going to be interesting to budget this off at $2,000, but hey, you got a credit one. Of course you do. It's the worst you can get. Yep. What's going on with this, big fella? I pay it once every month to try and pay it down. Well, like the minimum. Yes, you do. Yeah. Well, you didn't. Wait, but then you put, wait, but interest, you spent $313 on it. But wait, hold on. Wait. Okay. The. Balance is $354, $354, 18 cents. Your limit is 300. Yep. What the fuck is wrong with you? What are we doing here? I thought you were trying to do better for the sake of your. Hey, you're not going to be able to leave. You're never going to be able to leave if you are in this kind of credit card debt. Yeah, it was. I think I missed two payments. Yeah, you did. You were behind by three. Yep. Why? It's a $30 normal minimum, but it's 90 right now. Why? Why? Why? Why? Yeah. Late fee. Oh, it's a balance transfer. Why are you balance transferring to a credit one where there's interest in fees every month? That doesn't make any sense. It was. I don't know how they're wording it. It's not a balance transfer. It's just every. So every month on the statement, they put balance transfer up there and I don't know why. No, not for $313 every month. Where does that come from? No, it's, it's labeled balance transfer. What was it though? Uh, $313 of what? The $313 I spent, I spent a couple months ago. From where? Bullshit. On what card? Buying McDonald's. No, on what card? This card? Yeah. I don't know why it's labeled balance transfer. Every. It doesn't make any sense. Every statement I have, it's labeled balance transfer right there. You can take McDonald's when she got lowed in a McDonald's. That's crazy. Well, I didn't know that. Salty nut while you're down in your salty fries. Well, if it makes it better, it wasn't her McDonald's that she worked at. It doesn't, it actually makes my McDonald's taste worse. Knowing that it's this making it, you know, you're a creature, right? Yes. Now, do I feel mean for saying that? No, you're a piece of shit. You're horrible. You're evil. You're a bad mom. I can't feel bad. No, Caleb. You can be mean. You can be mean. You can be mean. Okay. interest fees it's insane dude and it's all in mcdonald's and shit i thought you said you're the cook yeah well sometimes i'd like to get a breakfast burrito in the morning uh i'd get two i would get two and a coke a coke you start your morning off with a coke yeah size coke large oh no ice well that is the proper way to do it that is the proper way to do it all you ice getters are actual it comes out of the fountain cold ice takes up space less soda and also waters down if it's already coming out cold why do we need the ice it doesn't make any sense look at him who do you think the expert is yep oh yeah okay uh yeah yeah you're doing all this on a 30 interest rate of death okay now do i even give a shit about yours are you honest you you deserve to be like burned at the stake in the new trials the whore trials you're a whore you are a whore a disgusting whore you're good with staying with a whore 50 50 clearly okay well let's see what a whore does um she sends a photo of her taking a picture of her credit report not even a screenshot that's good oh america's car okay then you're the she's just a whore okay you have a car what kind of car you have what kind of car does a whore drive i'm being so mean right now but she deserves it don't drive why does it say her it's under her she co-signed with me oh you okay but you're also on it yes so you're both on it okay it's the car i use for work i'm sure it is what is it 2019 kia rio why are you getting an 18 000 a 20 000 hour car to drive uber eats door dash buddy uh when we got huge term yeah 52 months me we got i had a car that i owned i'm sure you did paid five grand for a 2018 honda elantra yeah i want to do five but um we ended up getting hit by a drunk driver one day okay then why'd you go from 5 to 20 i'm sorry dude i couldn't find no good used cars uh yeah but it's even worth spending time and even not making money for a second instead of going into a 20 000 now what's the interest rate on this that i don't 100 no well if you sent a statement like we requested you we could have found out right now the payoff is 18 i know that and then once every tax statement when did you send a credit report uh yes we requested a credit report but the statement too i don't think i got the car statement we know that that's why i'm not looking at it why i didn't think about it what is wrong you're coming on financial audit caleb springer that was my mistake no shit Now I don't know what the interest rate is. What do you think it's worth though? I at least have this information. yeah that you owe 18 639 dollars on at most maybe six to eight four thousand eight hundred no you yeah there's no trading there's no difference there's no maneuvering here you're done you're done at a 52 month term 528 dollars a month this is man it just got a last year and it was stolen so what did you receive from the wreck uh from the wreck i got six thousand for property damage and what'd you do with that um we spent it on shit and then what else did you get we got the car we got a down payment on the car how much did you get in total uh 112 thousand hours wait wait wait hold but after lawyer no no no no when was this last year in july or when we got the money in december you got the money six months ago seven months ago eight months ago yeah we got the money in this the how much did you get after all fees and everything okay after the injury fees we got or the lawyer fees what did you get in cash 63 where the fuck is it uh i let my dad i let my dad borrow 23 oh come on i bought me a truck yeah why do you have a truck you drive doordash when i'm not driving the car why it hurts getting out of the car every day get an suv one car that's it you're done and then what no no response why the did you get a truck how much did you spend on the truck 17.5 where did the rest go uh bought a bunch of stuff for the house washing machine you didn't have one no you didn't have plates you didn't go to goodwill and get some plates well i bought a plate set like a nice plate set why who cares i don't know i spend a lot of time in the kitchen so i figured i may as well goodwill goodwill goodwill goodwill goodwill goodwill goodwill it's fine you wash it it's totally chilling but i didn't throw on collagen it's totally fine it was okay what's your truck worth uh right now probably five good oh my how did it go from 17 to five a mechanic messed it up good and right now i'm trying to fight him to get it fixed right and did you have a contract yeah it was done through a warranty because an extended warranty yeah okay yeah keep fighting there how long have you been fighting that uh just started a week ago oh if it's fixed it's worth about 11 yet yeah if it's fixed it's worth about 11 once it's fixed sell it i'll think about it no what what other options are there well i'm not getting rid of the truck that's not one that's happening then what the are we doing here if you're not willing to sacrifice i do truck stuff too still what do you do truck stuff still do my dad has a farm and i your dad his farm how much do you make from that he borrowed money from you he should pay that back he is he pays for the car loan he pays his minimum to payment well thank so that'll go against his 20 yep has he ever been a little late he was late because he had to pay for dentures out of pocket well i know someone else who needs that whore and the payment's not due until september and he's picking it up again in september why is there why is there a two-month pause it's paid ahead oh okay so on the farm what do you do what do you make um he so it depends really it depends on what i you don't make he'll either pay me fifty dollars for putting hay out or justifying not paying off ten thousand hours of debt with what you'd be able to get from this truck with making fifty dollars here and there we live with them too so so i'm just doing what i can to help okay yeah keep sucking dick dude he deserves it he's he's he's he's and you are i don't even know what you are i can't even insult you properly okay sell the truck or else what the is the point of doing a financial audit yes this is still a financial believe it or not i don't believe it i'm not selling truck okay that's not happening there's no conversation then i i drive it when i drive it i mean oh you know what i felt bad about this uh next topic but no i don't feel bad about it anymore because he's why it is why does your family call him a pet it looks like one because my mom originally just never liked him and she usually a reason to call someone and it started with a i believe it was i mean correct me if i'm wrong the conversation where was texting who's that my little sister sorry how old was your little sister she was 13 sarah made a group chat like through texts with who her sister and i wasn't paying attention to you were in it yeah it was you three yeah with a 13 year old yep i wasn't paying attention of course the photo i sent up and show you which is something bad oh let me see i sent that and i thought i was sending it to just my wife okay and she calls me a for that well i mean to a 13 year old that is kind of crazy but i didn't i wasn't paying attention i sent it to so now they think you're because of that yeah and that happened a few years ago it's rough man it's a rough one i wouldn't go full i think you're i think you're a dumb ass with no care in the world and you shouldn't have done that and it's a bad move it's a bit extreme but they hate you they they have always hated me from the from the beginning i think i don't think i would like if i had a daughter and like yeah all that and you sent that the 13 year old that's weird yeah weird i wasn't paying attention to what chat i was saying that but i don't know it's not difficult you know i just i thought nothing of it i thought it was funny i was like okay let's send it whatever yeah i mean i guess sure it was probably funny a couple years ago but no should i have done it around her yeah i go around there all the time around the 13 year old 15 year old now she's always with them yeah and they have no issue so i don't think you do do something weird no okay no they come over to our well we don't live there now but they come over to our apartment all the time we'd go over there we'd go swimming over there at their hotel room i mean you guys live next to a drug addict yes you know what she looks like right yep that's one of the things that are really concerning one of the things oh well i didn't even know that but the thing is i was kind of concerned about it so what i did i went a little morey yeah i had my people go out and get a drug test we've been filming for an hour and they have it i'm testing you in the post show and uh okay so i'll get into i guess you said that's a concern i'll get into that in a second but i have another finance thing was the truck finance no so this is why do i have another 12 000 out this was repoed i voluntarily repoed that car a few years ago yeah what was it it was a 2014 or 2015 toyota what happened uh they think they probably think you're a bum too we moved into a trailer next to my mom and dad's oh my gosh what do you guys not do that is so trashy we had a roommate live with us and she would eat us out of house and home she'd constantly take off from my car early probably ate your pussy too right she's one that we all had a threesome with oh yeah i think it's fun if you're into it she would take my car early in the morning without permission though and then bring it back with them on an empty tank and her constantly eating us out of the house i don't know where she'd go hey geez okay she would she would leave early in the morning come back late in the afternoon and i couldn't make no money like that uh-huh now what did the what why did this roommate make you racist i'm being told that's kind of crazy i wouldn't say it's racist more i guess black fatiguey because she'd she'd bring she'd bring like a lot of the the ghetto like she'd bring a lot of ghetto guys around and she was in the house and did you oh my gosh who did you not i did not i did not have sex with the guys that she brought it was more just me her and him okay go on um the guys that she was bringing in i mean yeah they were black guys um okay she what got me more black fatiguey is one night they started fighting in the apartment not department, our trailer. And he started throwing my trash can throwing shit in my house and just acting ghetto and i'm like what the living you know i walked out of my bedroom with a gun in my hand oh my because i mean he was he threw a trash can at her he was throwing shit around yeah not a good guy so one guy did that now you don't like black people now you're that's no that's not okay you're fatigued the black people because one guy threw a trash can where we live is bad okay where we lived uh the i'm trash fatigue it's i'm fatigued of trashy black people but i'm fatigued to trashy white people as well you people fatigue me just as much you're trashy look at her meth mouth cheating sucking dick putting strain on the social programs popping out kids left and right you people are you people are bad too trashy anyone is bad i'm trash fatigued and you people are trashy are you on food stamps yeah oh my 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 the 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 those 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 guys you've known me since the beginning and the fact is i just love building products that help people and we're continuing to do that with the caleb hammer financial services listen now you got personal loans that you can get the best rates on forever you want to use it for whether it's consolidation after you change your behavior or not you can get the best rates on forever you want to use it for whether it's consolidation after you change your behavior or not you can get the best rates on forever you want to use it for whether it's consolidation after you change your behavior or not or you need to purchase something that gets a good return on investment and now we got credit building as well you can shop for the best credit builders that are either free or low cost to you and build that credit we got debt forgiveness and debt consolidation as well we got auto loans for your new car that are great rates or you can refinance your horrible auto loan today and not only that now you can shop for the best car insurance out there the thing is we are building more and more of these to help you get the best tools and services that you can possibly get online at the best rates so check those out at calebhammer.com all those links are below in the caleb hammer financial services check them out save yourself a lot of money when she's choosing not to work like what are we doing you people fatigue me just as much as black people that are also trashy white trash black trash asian trash muslim trash i don't give a trash is what is fatiguing you are just as bad these people that you're complaining about you are just as bad you're all bad you're leeching on the system how about you guys get a food stamps a month 520 good death you're welcome plus your child tax credits you're welcome so cuz a black dude threw a trash can to her you couldn't pay for your car no there's more causing me to think that way the go on the apartment we live in it's it's ghetto neighborhood it's run down and you guys are too your ghetto you are criminals i guarantee you she does drugs guarantee you we're gonna find out on the post show she does drugs you guys likely are that thing that you hate dude she took the homeless man next to your drug den to church and jerked him off in the pews you guys are them do you not realize you are what you hate i didn't realize that yes we are fatigued of trashy motherfuckers but i'm not out here stealing cars and shooting people so it gets to a point that's what's going on we'll see if she gets there to get her next hit i swear if you're a addict i'm gonna be so pissed your mother oh my goodness okay okay yeah she has a close 488 credit card oh my why have you guys been on food stamps because she chooses not to work because you don't work either fucking bullshit so stupid two years this show is turning me into something i do not want to become but i recognize i talk to the worst i talk to the worst i talk to the worst lindsay's trying to give me a heart attack this is trying to give me a heart attack okay okay you collections of one thousand eight hundred one dollars verizon oh sure why not can't even pay your fucking verizon get helium it's 15 bucks a line and it's just as good a service as many of the others it is great i would do that okay and guess what i'll get you both course career certifications yay yippee yippee yippee yippee take that shit go make money trades tech accounting you name it people in the audience have taken course career certifications all the time i hear from them constantly we get an email each time one of them signs up and they do it and they convert them into six-figure careers so do that okay take our resources get your shit together no he's not well maybe that's why they call him a predator james what list are you on i'm on a child abuse list with the state i cannot work at a school cannot work at daycare anything like that um so what happened i heard a bump in the night i got up at 4 a.m with my handgun and i left my handgun on the nightstand when i went back to bed got up at 11 a.m my son shot my handgun in the bedroom you're the reason why there's always child deaths leaving your gun around unintended yeah that was a mistake i like guns you're the that make them bad worst part is i had a gun safe and i didn't put it back hey remember how you are the thing you hate no but yeah no shit you had a gun safe you piece of you're a piece of shit you're a piece of shit leaving your gun out in front of you you're a piece of shit how long you're on that list for uh the kid shot the gun with the bullet go it's a year and then i can it went into the floor and hit a steel beam on the floor you are lucky this kid is alive yeah not that you guys give a shit oh i absolutely give a shit okay leaving a gun out i don't even know what to do with you well i was half asleep when i did it i mean it was a mistake but i would hope so at a minimum good you didn't even react to that hitting me what kind of pills are you on open sky those are two cards that i had that went into the club it just went into collections there well they were just clothes not in collections yet yeah it just went into collections oh then yes 375 what what what's going on with you you have the weirdest build i've ever seen in my life fix yourself stop being a whore you have aids yet have on what do you have aids no when's the last time you were tested it's been a little bit what's a little bit it's i want to say before i moved in with him when did you guys move in together six months after we got together eight years ago yeah i got tested the other day i don't have nothing though so well that's good i recommend you go do a full panel did my doctor was looking for diabetes stuff like that i don't know i'm sure and they don't have to look very hard good premier bank this is another one you you've had this in collections forever still be on for a few years what a crow the people i meet in this show calebhammer.com supply it's you are you sure you don't have hiv yes no you're not you got tested eight years ago you don't know how can you say that you took raw loads oh shit you need to get tested actually and other collections and this one just went to collections uh 456 okay i want to get into these checking accounts and this still more debt okay you have another collections 844. that was t-mobile you're really going through every service provider great um uh you woman do you have your own verizons collections because you both suck at everything everything 613 him oh door dash i think we're through the debt okay we have a door dash crimson account a twenty dollars in savings 40 fan duel is now available everywhere in the u.s so you can get in on the sports action no matter where you are including these places make this your most rewarding season ever with fan duel age and location restrictions apply product availability varies by market see fanduel.com for eligibility gambling problem call 1-800-GAMBLER eight dollars in our checking account really doing great okay let's see yep started with sixteen dollars apple bell survival servers survival servers it's a game server i have for minecraft no daisy okay subway you're checking on her making sure she's not getting her roast beef taken apart in the back no that just my lunch one day okay how long do you think until she i mean she's everywhere she goes right well actually no she already confirmed she will by the end of this year she literally said yes got some bullshit got some bullshit your insta dude you drive door dashing your insta carding you're stopping at walgreens getting your diabetes medicine or bullshit best way galen games foreign transaction fee what are you doing man dodge store you keep going to the dodge store what's that for uh dodges is a gas station oh well you went and got some bullshit uh talk about the door dash your door dash you are the door dasher and your door dash you suck man you suck atm who knows have you ever seen a door dash you suck man you suck atm who knows have you ever seen a door dash you suck man you suck atm who knows have you ever seen a door dash you know what she did on her you should have you should know what an actual kiss is supposed to taste like travisa got some bullshit you're getting energy drinks a lot while you're on the road or like cokes and shit yeah make your gamer subs i see is that liquid assets you made yeah made liquid assets very good right no it's pretty good oh okay get that shit it's 40 cents a serving man i don't even know bullshit bullshit it's so stupid ranching good works kfc taco bell it's bullshit this is bullshit kfc again door dashing some shit try what's trivista trivista yes trivisa what what is the amount what does it say hey what is muc male to female.com i have no idea what well you're paying for r i have no idea yes you do you know i'll just look it up right this is where you're able to just say what it is no i have no idea what it is m u c f t t website operates as customer support portal as a it's a scam i have no idea what it's on scam list you're being scammed you're paying for it it's yeah it's it's oh yeah here we go people on reddit which is like the worst place on the internet but sometimes can be helpful yeah uh yeah they're getting charged you're being charged for it you're getting scammed because your joint account who else knows what she has burger can can you even chew yes where and your back can you take a bite like this i can does it hurt sometimes oh does it taste weird no it smells weird trust me i've been smelling it every time you smell it burger king mcdonald's i always have to smell people's shit in this uh and you guys are overdrafting okay so again we'll do the test in the post show but you said before i do this budget here that it's a concern i said point one oh wait uh huh what's the concern what the fuck is wrong with you you said i said i'm gonna do a drug test oh yeah i thought what do you mean it's a concern tell me bring me up to speed edge home i was just concerned if she is doing drugs or not it's one of the things i've been concerned about but i thought you were talking about why why do you have that concern over the past two years she's lost a lot of weight since we moved in next into this apartment complex this is weight loss okay she yeah well she used to be 200 what is she now 140 okay the teeth aren't a concern they are i tried helping her fix them i took her to the dentist even offered to pay for dentures and everything because i had to pay a little like i think it was 90 a month and so i even offered i said hey we could that was a few years ago while we were living my mom and dad didn't have much for bills and i was like we can get this done you'll be able to you know you'll be able to eat properly smile and look pretty no big deal you know yeah that's not my concern okay great it's the drugs that might be my concern yes what is leading you to the suspicion though besides the weight loss there has to be more than that i'm sorry if my girlfriend lost a couple pounds i wouldn't be like drugs some of her actions a lot of her actions actually tell me uh just like she doesn't want to stay home with the kids to walking off the kind of loopiness she well she's not like well she's not like she was two years ago so like tell me like once she can't handle the kids that's that's kind of one that's kind of raised my eyebrow after she gave birth to our daughter she'll refuse to eat so she won't eat but maybe once a day sometimes obviously the disappearing um yeah she that's huge i mean the disappearing is crazy dude erratic she would go over to that neighbor's apartment all the time too and spend time with the drug den yes it was a drug den she would go over there a lot yes what that's it what drugs were they doing over there uh to my knowledge she smokes the lady next door and do you see your teeth why would you go hang out with her a lot of times i would go over there and just talk or i would smoke this is a math house a legitimate house yep and that's one of the reasons i want to get out of there because i don't want to live next to that no more yeah but you guys moved back into a crazy place you said no we moved back into my mom and dad oh you're not in a like a druggie apartment complex no no no we're moving to my mom and dad's and it's a farmhouse off the side of a two-lane highway thank my goodness especially for the sake of your kids man um i mean yeah i'm sorry have you ever confronted her about this drug use i have and she tells me it's not happening and what's the proof that she's willing to provide i've tried getting her to take a drug test and then her parents would push back on it and say no she don't need to do that why would you make her do that okay her parents enable her a lot yeah i would say so and then what else um she claims she got drug tested at some point when she started oh okay well that would be a thing i never had to take her to like because most places when they drug test they'll take you to a separate facility to do that yeah that's what happened when i was installing internet for a living well we also looked it up subway does not require yeah so why would you make that excuse why would you even lie about that you haven't been drug tested for subway i have actually it's not a thing maybe like the franchise specifically does but subway does not typically drug test hourly crew members for employment it could i mean it could be the franchise but maybe but also he's never had to take you anywhere you go to them you pick up homeless men and jerk them off you leave for hours unknown turning off your location being found on the side of a highway lie most likely lying about a drug test what would you expect us to believe well and that's why we will confirm it in the post show i've never had someone to take a drug test and honestly if you didn't do the dna test and i think i understand why you did we would have made you do that i would love to go full why not let's combine every show people compare us to well the dna test was more i started watching the andrew tate shit and then i was like well you know what let's do it what i started becoming like one of those tate guys just listening to the shit he says don't usually people get fit who listen to that sometimes yeah or you're just gonna become an incel freak no i i have a lot of physical pain that you're keeping from working out as much as i can you're fat i know what do you think physical pain is usually amplified by dramatically being fat and i know where's your physical pain uh lower back middle back your fat shoulder knee okay your debt minimum repayments 558 with your parents what's your rent gonna be uh we haven't fully discussed it but we're in the ballpark of six to eight hundred let's call it seven then including utilities yeah okay i just got a hand is that gonna include internet as well yep okay what's your phone bills uh the phone bill is 110 a month hey court's gonna be on your side kick her ass out uh gas and room from drive drive now besides what your dad pays for how much you think is extra it I guess it varies because a lot of times I'll let me fill up every morning on his fill card for the work um come on what do you think we're just averaging let's say two to four hundred including we'll do 300 then car insurance how much uh the car insurance is 360 necessary food groceries this is what I'm gonna do for the two kids for you and you're gonna be cooking and we should kick her out but if not her I'm gonna do 900 bucks because meal prep meal plan follow the meal plan you're warming up a lot of food and remember you already have food stamps so I'm gonna actually just I'm gonna do it 400 scammers piece of shit uh tp fun anything else you need to survive for you and the kids I'm gonna do 250 shut the fuck up I'll tell you what what what none shut up 250 that ebbs and flows no it doesn't count for meth or whatever it is you probably do we'll find out if your drug test comes back clean I'm gonna be so impressed medical health care co-pays on a monthly basis you guys are probably on medicare medicaid yeah I haven't paid in co-pays I'm sure subscriptions I will give you 50 bucks you any pets no thanks you have anything else that needs to be in this budget that I have not put in uh-huh I'm sure anything else that needs to be in this budget that I have not put in nothing I can think of two thousand seven hundred twenty-eight dollars you're behind here's what I actually recommend you one you just need to get a job buddy like what the fuck are we doing here get the course career certification maybe get into some trades do some stuff try to definitely get on a diet stop with the full calorie sodas either drink the gamer steps or coke zero I don't care but stop you gotta stop drinking calories we need to cut our weight that'll help with your pain and that'll allow you to be more productive yeah that'll allow you to be more productive so the thing is you gotta stop drinking calories then yes you're gonna be following this budget I would just stop paying on your desk besides your car truly because you can't afford them and roof overhead is what matters more than anything if you can change your behavior I'll allow you to go through bankruptcy and you gotta sell the truck it's not an option you have to put it towards the truck immediately pay off your credit one stop using that shit and put it towards the car we need to pay off the car as quick as we can we need it you need to be debt free you don't make enough money yeah but you need to go make four thousand hours a month you need to leave her she will never stop cheating on you she said that here she's being surprisingly honest and I appreciate it so you're one good quality is you can't seem to lie you need to leave her moving with your parents see if you can get that rent closer to zero take care of this debt get rid of your truck leave the whore take care of your kids that are gonna need a father in their life take care of your health because they're gonna need a father in their life yeah get them away from these horrible grandparents from her side horrible mother the court will be on your side I promise you like what the f**k are we doing you're you should be taken from your kids do you understand that you take them to the side of the f**k you take them for you to go get I've never advocated for children to be taken away from kids on this show and it's not something I would say lightly you are a bad mother a bad partner and you need to get rid of this s**t and sell the truck to get you there quicker I don't know but only do that if you change your behavior I need to do this drug test and there's of course there's even more things for us let's get the hammer financial score first spending in a budget stop shaking sorry spending in a budget you overspent clearly zero out of ten death is collections guys I'm sorry you don't have real like retirement no you don't have anything hammer financial score zero out of ten get yours at calebhammer.com now join us in what is guaranteed to be one of the best post shows ever plus there's so much more we're going to be doing in the next we haven't talked about I cannot wait you have no idea uh join hammer elite by clicking that join button or that link below or by downloading the hammer elite app or by going to hammer elite.com wherever you want to be a member either on youtube or on hammer elite it is the same membership on both platforms just trying to give you as many choices as possible three premium shows every single day six days a week that's why there's 120,000 monthly active members because it's incredible see you in the post show I am gonna have you and Sarah go to the women's restroom we're gonna make sure that no one's in there I just want to make sure that you're in there okay there's like a big stall just make sure that she follows those instructions uh and we'll have the answer in five minutes James said she's never had an issue with drugs or pills before and then I get on the phone with Sarah and Sarah says oh yeah I used to be a big old pill popper before I met him and that she had a benadryl issue while y'all were married and you said it's me and the kids or these damn pills I just launched the brand new hammer elite app available on every major platform so you can watch the show on every major platform 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 I want you to be on the next episode of financial audit right here in Austin Texas 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 apply or click that link in the description below fan duel is now available everywhere in the U.S. so you can get in on the sports action no matter where you are including these places make this your most rewarding season ever with fan duel age and location restrictions apply product availability varies by market see fanduel.com for eligibility gambling problem call 1-800-GAMBLER

Podcast Summary

Key Points:

  1. The couple has been married for three years and has two children, but struggles with co-parenting due to the wife consistently leaving the home and taking the kids to meet men, including at McDonald's and in church.
  2. The husband reports multiple instances of infidelity, including during work hours and in church, with the wife admitting to cheating on him several times over eight years.
  3. The wife has a medical history of seizures and often turns off her location to evade her husband’s monitoring, which raises safety and trust concerns.
  4. The husband claims financial instability, including a high-interest credit card debt and irregular income, while the wife earns inconsistent pay with no clear schedule.
  5. The wife claims she only makes $200 every other week, and both parties express frustration over lack of communication, financial transparency, and emotional support.
  6. The husband states he feels emotionally and financially drained, accusing the wife of prioritizing her own needs over parenting and marriage stability.
  7. A DNA test on their three-year-old child was conducted, confirming the husband’s suspicion that the child is not biologically his.
  8. The financial audit episode highlights a breakdown in trust, financial health, and parenting responsibilities, ultimately suggesting the relationship is irreparably damaged.

Summary:

The episode of Financial Audit features a married couple, James and Sarah, facing a severe breakdown in trust and stability. James, a DoorDash driver, expresses deep frustration over Sarah’s repeated absences from home, where she takes the children to meet men—first at McDonald’s, then in church with a homeless man—leading to accusations of infidelity. Sarah admits to having cheated on James multiple times over eight years, including with coworkers and friends, and claims she turns off her location to avoid being found.

James reveals he has been emotionally and financially drained, citing poor communication, inconsistent income, and a high-interest credit card debt. A DNA test on their child confirms the child is not biologically his, adding to the emotional toll. Sarah struggles with her seizures and medication adherence, and the couple lacks a shared parenting plan, with Sarah frequently leaving the home and taking the kids to meet others.

James feels abandoned and believes the relationship is beyond repair, while Sarah expresses a lack of willingness to change. The episode underscores a deepening crisis in trust, financial management, and parental responsibility, ultimately suggesting the marriage is unsustainable. The host emphasizes financial health and personal accountability, promoting tools like Dollar Wise to help viewers manage money and relationships more effectively.

FAQs

You can watch episodes of Financial Audit a week earlier by checking out the show on YouTube.

The couple faces significant financial struggles, including high credit card debt, low income, and poor budgeting habits, which are central to their relationship dynamics.

The couple's combined income is very low—around $2,000 monthly—while they have substantial debt and spend heavily on convenience items like fast food, indicating poor financial management.

The host promotes using the Dollar Wise budgeting app, which offers a detailed view of spending and includes a free trial to help users manage their money more effectively.

The primary issues include infidelity, lack of accountability, emotional neglect, and one partner consistently taking the children out with them to meet strangers, which causes significant conflict.

Their relationship shows a lack of financial transparency and emotional connection, with one partner openly admitting to multiple extramarital relationships and financial mismanagement.

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