Jay Cutler's getting one-upped in the post-divorce celebration department by his ex Kristin Cavallari ... who says Jay's got a lot of catching up to do, and also hints he's already violated their settlement.
We caught up with Kristin at LAX, and asked for her thoughts on finalizing the divorce from the ex-NFL star ... who commented about it this week on his "Uncut with Jay Cutler" podcast. Jay boasted about his bank account not really taking a hit in their divorce, and added, "When the settlement came through, I threw a party.