Deceitful Husband Nearly Has Aneurysm | Financial Audit
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- Опубліковано 19 лип 2024
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Chapters:
00:00 Job and income
04:50 Drink your Dr. Pepper bro
10:15 Why doesn’t she know?!
10:50 Factor
13:21 And so it begins
17:49 What is THIS?!
23:10 This moving situation is kinda weird
29:41 Morgan & Morgan
34:18 Fortnite?
37:12 Here’s how you spent your money… :moneybag:
40:17 YOU HAVE COLLECTIONS?!
46:00 The Amazon doesn’t lie
51:00 Holy sh*t…
57:00 Let’s get this budget rolling here
1:02:36 My High Yield Savings :dollar:
1:03 Let’s clean up this mess!
1:11:00 Hammer Financial Score
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We exposed her for blowing $2,000 on Fortnite skins in today's post show 😐 ua-cam.com/channels/Le_q9axMaeTbjN0hy1Z9xA.htmljoin
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Dude I love the audits but I’m not spending $5 a month for a post show lol. You literally yell at people for blowing the same amount on streaming services that offer hundreds of shows but you’re charging $5 a month for one channel. Capitalize while you can I guess if there’s actually people willing to pay for it.
@@OhYeaMista he does always say don't buy it if you can't afford it... So don't buy it?
@@OhYeaMista You have not listened to what I've said then. I tell people not to spend money they don't have on BS when they are in death debt or don't have an emergency fund. If this is something that excites you (like it has for thousands so far) and in your 50/30/20, then sign up! If it does not, then don't sign up! Easiest thing in the world to figure out.
@@CalebHammer I’ve got it figured out budday, I’m not buying it lol. You don’t have to yell at me I still love you. 😘
@@OhYeaMistasome of us can afford the $5 a month and would like to support the show if that’s ok with you lol
I disagree with the people saying this guy is angry. He seems anxious and stressed and overwhelmed.
Exactly, he’s stressed the fuck out
I think it's partly that he's just naturally a loud talker.
15 hr work days with no real job certainty and an unhappy wife at home asking to take care of the baby; I'd have sunk into depression and given up a long time ago 😮💨
I agree
That dude is miserable. There’s no way these two are still married in another five years.
Also, does nobody cook anymore???
One of the common denominators on the majority of his guest is that they waste so much money on fast food and eating out… Not to mention the fact that most of his guests are somewhere between “could stand to lose a few pounds“ to morbidly obese. There are two problems that could be solved by changing one behavior. I just don’t understand it.
After finishing this whole episode, I think this guy is trying so hard to become a better version of himself and he’s frustrated that he’s not yet that better version. You can do it!
Yeah. He sees the pitfalls ahead but stressed out between the length of the college, new kid, and 18 hour work week, not to mention the sister in law. Its a lot bro has to deal with and these other commentators out here wondering why he seems so pent up must not know how difficult his situation seems.
Agree!
Yes! I feel the exact same. And they are really understanding of one another as a couple. They have some tightening up to do for finances, but they seem to have a good foundation of supporting each other.
I really hope they can take this new information and make a solid path to financial stability
Yeah, I've known a few people like this. Very smart, but very little emotional intelligence. Has a really hard time understanding his own emotions, so he calls himself an idiot and moves on while hating himself a little more each time.
He also seemed to be trying to shield his wife from the stresses of the finances, which I think he was doing out of love. Not like some of the couples that have been on where one spouse is doing it in a controlling way. I hope he sees that they both need to be involved and can work together to get through their struggles, it seems they have a bright future once she finishes school and they clean up their small debts. They genuinely seem like good people with big hearts, I wish them the best!
Dude working 15 hrs then coming home to the wife playing fortnite and asking him to do more at home must be rough😭
It would be so much better for both of them if she packed a lunch, packed the kid in the car and went to the park. Mothers really underestimate how lazy they are and how much staying indoors actually hurts their mental health. I say that as a mother who doscovered it herself.
@@miffedcuttlefish6139do you think most of the exhaustion is stress? Not a mom but took in 2 neglected foster cats and I spend 60% of my emotional energy watching them on the nanny cam and worrying about the colour of their poop. I can’t imagine a human.
@@latulip100 going outside and into the world actually helps you cope with the everyday stresses that are constant when raising your children. Kids will test your will and patience far more than any animal will. Animals at their base nature desire to be alone when sick or injured as it's safer for them to be as such. It's the person that stresses over them because theyre not looking for the same companionshio a human would. A child on the other hand will absolutely seek you out no matter the circumstance, and that is why mothers need to get outside, and develop healthy habits that will mitigate their very shortened tempers who WILL take it out on their children, let alone their husbands. Which isnt good.
@@miffedcuttlefish6139yeah this - if I don’t get out of the house with my baby, my whole routine is out of wack. Getting out of the house honestly sets up your whole day and keeps things moving.
If she’s reading this:
- Get up, pack a nice lunch for your man. He’s working hard for you & it’s obvious in this audit that he needs some TLC.
- start some chores & get bubba ready for the day. Have breakfast, do a quick clean of the kitchen, get ready together and GET OUT.
Even if it’s just a 15 minute walk to the park. Let kiddo play & tire themselves out. Come back, but them down for a nap and do some schoolwork.
Bubbas one, so she can involve her in household chores and make it into a game. When she wakes back up, tackle another room together or do one chore together - laundry, dishes etc.
- Play with kiddo for a bit. If they’re still having two naps, once they go down again - more schoolwork.
- Hubby should be coming home to a hot meal if he’s working 15-18hrs at a minimum. It doesn’t need to be fancy - one-pot pastas, chillis, salads etc are all super easy, can be made healthy and filling and are cheap to make etc.
If she’s got her sister living with her, you could get her to watch bubba for a couple of hours and do Uber Eats, Amazon or Doordash for some extra income in the day.
- When baby goes to bed, spend an hour with your partner. Eat dinner together, cuddle & talk. Children can put strain on a relationship - a little time each day can really, really help.
Then you can finish up some more schoolwork, or chill out. If she follows this, she’ll do some school, a couple of chores, cook some good food and spend loads of time with Bubba ❤ she will be so much happier
The dude is by no means without fault, but he's working 60+ hours a week and she treats him like he isn't doing anything.
She should have gotten back to work
I’m not sure how people like them even end up married to each other lol, a lot of people like to act like they can’t see the craziness in someone before they marry them or have a kid with them
@@iosgaming2824he wants to get laid and she needs citizenship.
as someone considering an MSW, she could absolutely work while doing that degree. she has a bachelors degree
He said 50-60 and acts like that’s working a lot it’s not
A lot of people flaming this guy for being “angry” like that isn’t Caleb’s whole shtick. He’s working 60 hours a week and being told he’s working too much, while also not making enough money to be the sole provider for his family. I think he’s allowed to be a little defensive, especially considering Caleb’s whole style is to be on the offensive.
Sounds like he’s trying.
I agree. By the way, I like your profile picture.
@@livetosmileandlaugh5368 Thanks!
Glad I’m not the only who sees how much this guy got on his shoulders , Caleb always be on the feminine side 💀😭
Yeah man, I'd be stressed in this situation, too. Throw in being on camera, and I can see how he's flustered and upset.
He should probably treat his partner like a partner instead of hiding this from her, pretending like everything is fine and then snapping. He is admitting adding to his own stress and pressure. It was probably so confusing to be in a relationship with someone actively trying to convince you everything is fine, all while becoming more and more erratic and defensive
y'all who think hes angry are crazy. hes clearly a loving dude, he seems like hes just got some sort of neurodivergence, has trouble reading social queues/knowing how loud he is being. Hes literally yelling with a smile on his face. The dude bleeds energy, when he gets excited about the story hes telling he gets loud.
The only time hes genuinely angry is when things dont make sense to him/logical thinking (example: "you always cover the highest interest first, x number is higher than y number") and when he gets angry he realizes it and apologizes. You have to be patient with a person like this but by no means are they bad people or have bad intentions, just tiny outbursts they apologize for.
100%!!!! It can be hard on the ears, but being aware that people might be naturally this way can help you reflect and realize their behavior isn't necessarily reflective of their thoughts and feelings. The usual social cues don't totally apply when interacting, so you have to not take things in the wrong way and misunderstand them.
Agreed, but not everything slightly different has to be neurodivergence. As a society we are OBSESSED with armchair psychology and declaring everyone as neurodivergent. He could be, but it also could just be personality. That's a possibility
I’m rooting for this man. He’s one of the few with sense that have came on this channel.
@terricox3559 Nah
Actually, there’s something with his pronunciation that makes me think he may have a slight hearing loss also. But I agree, I don’t think he’s actually angry.
Everyone is grilling the guy for being too aggressive but he's the first to admit that he has a moral responsibility to pay off his debt collections. "They saved my life. They deserve to get paid." What a wholesome man 🙌
Yeah I like him but he reminds me of Elmer Fud
Agreed. Rooting for this couple.
i think they focused too much on the husband when he was really the only one taking blame for things.
He's clearly on the spectrum, his mannerisms make it pretty obvious.
@@giantfatbergso he has a stutter wow I bet you look like a golem
Of all people on this show, this guy deserves respect. He is grinding 60+ hours for his wife and kid at home and is stressed tf out. I would be as well. He is mostly self aware and doesn’t disagree about his responsibility for the situation. It seems like he might be on the spectrum too which makes things more difficult. Respect brother, hope you make it to the other side.
Agreed. Your spouse is the biggest decision you’ll make. This is what happens when you get that decision wrong. Dude is grinding 60 hours a week, she’s at home stuffing her face and can’t even be trusted to pay bills on time.
Wife isn’t “at home”. She just finished a master’s program and will be a Social Worker. She wanted to work & he told her not to. They both admitted to it.
She's perfectly capable of getting a job if she really wanted to. We don't live in a work where you're husband is going to chain you to the basement for disobeying him. Get real. She's not working because she doesn't want to. And going to school, isn't working. If you're not gaining an income, it's not work. It's just study. @@JazzyERnat
@@JazzyERnat Because she's studying, she literally says she hasn't graduated yet at the beginning of the episode
@miffedcuttlefish6139 I fully agree. I work 40 - 50 hrs per week in accounting plus in grad school for accounting. It can be done, she just doesn't want to work.
Babe, wake up. Caleb is hitting octaves only dogs can hear.
😂🤣
Omg so good😂😂
Lololol😂😂😂
Yeah he is! 😂
So you’re saying my blood pressure will spike?! 😂
She’s not gonna make $75k as a social worker with no experience. Plan for $50k
As the child of a social worker and friend of many others, I immediately came to the comment section to see who else noticed this.
45k ish and it's gonna be shit hours.
Definitely not 75K.. My wife just finished her Master's she is making 62K with no experience
This is Location and State-dependent. I live in Virginia and with a Bachelors in Psych (working for a Social Work firm) I break 70k and our "new" folks with an MSW walking in make 65k-75k depending on the position.
@@khayon4364 what is a social work firm? I've never heard of that before. I thought all social workers worked in the public work sector.
Hate how the guy is getting so much of the blame here. Wife makes zero income, made them move, messes up the school transfer driving them further into debt, and buys Fortnite skins with no job. Sad.
Fortnite skins smh
SHE DOES WHAT🫢
He married her, he promised to be there for her for better or worse. Now you're here critizing her for taking his word on a promise he made to her, most likely in front of all ther family and friends???
@@strjourneys7919 what does that have to do with her making bad decisions
@@theblackgods4699 what I said in the comment YOU REPLIED TO!!!!! 🤦🏽♂️🤦🏽♂️🤦🏽♂️
Caleb. She knew.
He said he took control 2 months ago, she had control before that.
LISTEN CALEB. She knew. Then she deflected by saying “we both didn’t know”.
She knew the pmts were late, she wants the Cc, she wanted the water system, ect. He found out. He got stressed and took control. Lady is burning cash, dude is too loving to call her out on it.
Yup. Not sure if Caleb missed it, or glossed over it. But, he mentioned not wanting their payments to keep being late or missed, which is why he took it over. Which means it was an obviously an issue when she was taking care of it. But, he was too nice to make a huge deal about it. He just briefly mentioned it and then moved on.
If anything he was the one in the dark
Caleb, she knows what she is doing! Her husband loves her so much, he’s protecting her from the wrath of the internet.
I'm so glad someone else caught that.
Putting pressure on the spouse to work less when finances are tough will never end well
Poor dude is one of many victims to females refusing to accept facts they don't like.
Hiding finances from your spouse when finances are tough will never end well
@@LReid-nm2pc are you saying one is worse than the other?
@@Glanzern she's an adult, she's his partner, he admitted to not being transparent even when she asks and he admits to getting angry from the pressure he's putting on himself.
@@madmanawesome they are equally as bad but you can't complain about the first because she didn't even know it was happening because he admitted to hiding it from her. Can't complain about a partner doing something when the lack of transparency is the cause
She said she used to be in charge until he took over finances. And that’s when he found out everything was late or missing. He didn’t want to blame her but you can kinda see it on her face.
THIS
Kaleb is such a feminist, and wants things to be 50/50 equal everything.
I’m patriarchal af. I would be like “yeah I take control of whatever I want bro “😂🤣
@@ccpj0eyb319if you're being serious, you have my respect.
She also said he took it back since last month, so it’s not like she’s never been apart of the finances. If she was the one handling them and thinks they are at a 4 that’s scary. Also, the majority of the late fees would be from when she was handling them.
And it only happened in the last month but Caleb blamed the guy
Dude how did you not dig into her more holy shit. She is clearly deflecting literally all of the blame off of herself and onto him. She seems insufferable
Ppass
Right she seems lazy and poor thing he is working hard it basically sounds like when she was in control of paying bills she wasn't paying them and or on time
@@sabrinajohnson9078 well he's been paying them late too but still
The fact that the husband is getting blamed when the wife got him into this place. He is sacrificing almost everything for her and the baby. He moved for her “sister”, is working OVERTIME while she is going back to school and taking care of the child. He has a few bad habits, but he’s ACTIVELY trying to change. He’s going to therapy and he’s reading self improvement books. WHAT has she done… complain that he works “TOO MUCH” BRO they need money… the job is inconsistent. I can’t imagine driving all the time and then coming home exhausted to more work… how much time does she dedicate to grad school? Idk 20-35 hours a week. So the whole time she’s stuck on that child and the burden of upkeeping for the house is on him. Yah let’s blame him for not showing you finances and wanting to just provide everything. Poor guy I hope he gets help and finds peace.
He needs to leave her ass. She doesn't care about the future.
THIS. When he says he doesn’t like himself she has the slightest smirk on her face rather than showing any empathy for her partner. Then he talks about reading and trying to improve his mind and she just looks like ummm wtf. She just plays the victim it’s actually so sad to watch this. My best friend was working nights and getting her masters in social work as a SINGLE MOM. Those classes are not that hard it’s mostly discussion posts and writing papers lmao this woman is lazy point blank period.
@@CamilleMckenna-oq8ie I hate the notion that this man is aggressive. He’s past his breaking point. I hate the idea that they moved for this “sister “ that isn’t even FAMILY.. oh and she won’t even help the family that came for her.. this situation man.. I understand the lack of upbringing from the mother here but they chose to take the risk, had a child and now need to make the best decisions for THIS family not her “sisters”.
He's putting her first and she'll put him last.
He'll get peace leaving her and finding a real gf who at least keeps up her appearance, provides emotional support, or financial situation instead of casting blame.
The difference between most guests and these guests is that it really seems like this couple is trying. They’re in a hole right now, but I’m optimistic they’ll get out of it.
Agreed. They admit these problems are their own doing and are seeking therapy to change their ways… that’s different from so many of the other guests.
True!
The wife is pleasant enough but she does need to contribute…
They'll probably do better now they're both on the same page. She had no idea how bad their finances were so she wasn't giving him the support he needed and he now has an extra level of accountability because his wife is going to be aware of their expenditure. Life is easier when you're both pulling in the same direction. This is the moment they quit burying their heads in the sand and committed to tackling their finances together. Hopefully this is the moment when everything changes for the better.
@@StandAloneStateshe's contributing 100% of her $0 income lol. You want her to start selling feet pics?
I’ve never heard someone agree so aggressively, bro sounds like he’s pissed
He demonstrates marital frustration, show went from financial audit to couple therapy lol
I think he’s just autistic and has trouble expressing emotion to meet the situation.
He actually seemed like he was seconds away from going nuts and killing everyone in the room
He should be, dudes killing himself trying to provide and she has no idea what is going on.
I think hes insecure..
This poor guy is past his limit. I’ve never felt more sympathy for guest than him. I hope he finds happiness.
This guy is present in his family and shows up to work 60 hours a week. He deserves some credit. He is not a stupid as he claims.
I loved that he agreed with Caleb when first he stated that he was trying his best, then Caleb said "no you're not." He gained a hundred respect points from me with that response. No guests do that. He's a real one
She literally admits that she has access to the accounts but complains that she doesn’t know when they don’t have money💀 just check what?
The dude is scary, man. I don’t blame her
@@aurorat7633So scary she cant even log into an app?
@@aurorat7633no, he’s tired of being blamed while being the sole breadwinner
@@aurorat7633I think he’s just frustrated that she keeps deflecting - she doesn’t want to take any accountability, doesn’t want him to work as much, isn’t working herself but is living pay check to pay check. If my partner chose to be ignorant about our finances whilst having access to the finances, I’d be frustrated too.
@@heitchgeeeeeee4870she said she was willing to work. He told her not to..
Props to him for being able to say what most people know about themselves but won't admit to on this show. "I know what I'm doing wrong but lack the discipline to change my behavior"
He IS doing his best. I have never seen anyone here more deserving of help.
She’s way too casual about their situation. He’s in the corner giving clear signals that he needs help.
Lol she didn't realize that living paycheck to paycheck means if they missed a paycheck they'd be screwed. Then acting like he hid it from her because he didn't explicitly say that.
Her diet is casual too.
@@miffedcuttlefish6139 She had a kid lol Get a grip man
@@benthemusicalchemist so did I. . . I bought a jogging stroller. Now my kids use a powerwheels car. What's your point?
@miffedcuttlefish6139 What a nasty thing to say about a stranger for no reason. Easy to say behind a screen, huh?
I'm only 10 minutes in, and i'm really confused by Caleb's line of questioning here. The wife has full access to the accounts, knows how much money they have, knows they're paycheck to paycheck.. and yet the husband is in the wrong for not wanting to tell her they're barely making it but still telling her anyway?
Having access to accounts is one thing. However, in a marriage, if there is little to no communication about finances (or...ANYTHING, if we're being honest), that's never a good thing and is usually the case to cover up larger problems.
@@AnalyticalMenaceexactly
Correct. She is about to have a mastered college degree- she can log in to the banking app
I am so confused too. How can all the focus be on the guy working 60 hours a week and managing everything?
She literally mentioned she has the logins and all they’re talking about is how he is keeping her in the dark
@@AnalyticalMenace and guess what she was in charge of the finances until the last few months with all the late payments.
$5k loan at 18% to upgrade a place that you don’t own. Wow this might be a new level of stupidity.
“upgrade” is heavy quotes. they fell for a water quality test scam
Exactly! When i moved into my current rental home i spent like $75 to install an under sink filter system. That was totally unnecessary.
Interest payment alone would cover 5 gallon jug of water from walmart for the whole year! lmfao This can't be real life!
Counter argument... $900 to live in a place that is unlivable, landlords are disgusting
Yes, and I am pretty sure landlords are obligated to fix certain critical utilitizie like water. Maybe it depends on the state, but I imagine it is a thing everywhere.
The wife is infuriating - she tried to deflect everything onto her partner knowing full well he will not blame her for anything. Even her mentioning “most of those charges are sodas” was bullshit because those added up to only one of her restaurant trips at school
Dude is killing himself trying to save a sinking ship, while dealing with anxiety issues.
I love this, he shouted at himself more than Caleb did 😂 Wishing this couple the best of luck, they seem humble and self aware.
The man was humble and self aware the wife wasn’t.
The husband reminds me of my younger brother when he is stressed and overwhelmed. He is just easily frustrated and gets defensive quickly, but he takes things to heart. I do think that thos couple has had a hard time adjusting to adding a kid to the equation, and this can be stressful for both mom and dad. They really need to regroup and figure out how to best support each other. His instinct to try to superman the finances to "protect" his wife and kid is a natural, knee-jerk reaction. I am actually optimistic about this couple.
YES, some people here are way too harsh. Everyone reacts differently under distress and processes information in their own way.
I HAD THE EXACT SAME COMMENT. Glad to see I'm not alone. My brother was also like this. I'm not too sure why in his case but as he aged he became better. I am also rooting for this couple!
@@Superlegofighter101 My takeaway is that he gets that way because he truly cares. It's an emotional topic.
We can literally watch the other 95 out of 100 of Caleb's guest who act like the whole thing is a joke.
I'm only a couple minutes in and thought of my brother too! He's on the autism spectrum, has a good heart, and wants so badly to do the right thing, but he gets so flustered much faster and more intensely than most people. The way he talks and interrupts, it's like I can see how the gears are turning in his brain because of my particular sibling experience.
@@26Sundrops Agreed. You see it more as the video goes on. But just looking at it from an outsider perspective, the way he just wants to do the right thing, the morally correct thing, and puts the burden on himself to not let his wife stress. He also keeps insulting and putting himself down, which is usually a sign of someone who so badly wants to do good but gets so frustrated.
It's disgusting how people here in the comments are trying to label him as violent or a behind the scenes abuser. smh
I respect this man. He was grilled and ganged up on by Caleb and his wife like she isn't the bigger financial problem. He's busting his but working long and his wife is able to make quick remarks when she's actively putting them further in the hole.
This girl is annoying… she smiles and thinks it’s funny when she spends money on kick and fortnite but then she has the audacity to act all smug saying “most of that is soda that SOMEONE is buying” no wonder this guy is so stressed. They are both wrong but she acts like none of it is her fault
Yes! This dude is working 18hr days and she’s paying for games/streaming etc while bitching about him not helping with ONE baby. She wants to be the child and he’s clearly trying to work harder and feels like he’s spinning his wheels.
And all the late payments that she didnt notice when she was in charge of the payments without telling him but caleb blamed him despite only having acess recently
The soda is most likely for him to keep going threw those 12-18 hour shifts. It's a business/work expense.
This man’s self awareness, accountability and desire to improve deserves to be acknowledged and respected. Most people who go on the show are in denial. Keep going my guy and wife you seem like a good one. I’d like to see y’all back with an awesome come back! God bless you! 🤗
I dont think he is angry/aggressive Thats just the way he talks. They seem like decent people and do want to get better. Im rooting for them!
I have a coworker that talks EXACTLY like this guy, and he's one of the most chill dudes ever. He goes to concerts and travels all the time. So I don't see the anger. I hear the frustration of the topic, but the way he speaks doesn't denote anything negative to me. Just reminds me of a coworker, lol.
Yeah I think he just has anxiety
He talks like he’s autistic because that’s how the high functioning autistic people would talk at my school.
Yall he's not angry he's just the first guest to match Caleb's energy
I agree 👍 this dudes just abit overwhelmed and wants to do his best by everyone
If i were them. Set your budget and live off of your husband's income.
When the wife gets a job, do NOT redo your budget to allow for more spending. Use that extra income to murder all your debts.
They'll have to account for childcare.
Thats already accounted for 😂 why would they spend extra money on the kid? Besides for education @whyme7862
@@gregviews if she works they'll need daycare.....
@whyme7862 no they don't? For starters they got their sister who could look out for the kids another thing they could manage their time correctly so one parent will be with the kid regardless
@whyme7862 they don't need daycare they need better time management skills 🤷 u can't fix evreything with money also daycare just means ur giving ur kid away for someone else to raise em 🤷
Dude is working his ass off to keep things together. Keep up my man.
I skipped my morning Starbucks even though it fits in my 50/20/30 because I knew there was a financial audit today.
Isn't there a new one everyday?
I skipped mine because I am not leaving the house today.
I skipped mine because Starbucks is a union buster that doesn't deserve my working class money.
what about the avocado toast?
i skipped because starbucks sponsors genocide
Dudes heart is golden. I hope Caleb hooks him up with a tech certification. He just needs better options for opportunity . I hate that his therapy is not more cost effective. His heart is in the right place he just needs some help managing things. Im glad this show is now a resource for them.
At first I was so taken aback by his anger but then by the end, I was in awe at how passionate he is about changing! You’ve got this!!!
He didn’t seem weirdly mad
15 minutes in, and I sympathize with this guy's frustration. She has the same access he does, but expects him to figure it out and tell her, not take the initiative to look herself.
They're actually likable and honest about their bad decisions. I do think they will be a positive success story in the long term.
Yeah I like both of them
No she really isn’t.
The guy seems like he's catching it from all ends. Working out of his mind to be a sole bread winner barely making payments while his wife tells him to do more housework and work less. Then comes on camera, being told he dominates the finances and hide things when it's eventually found she has access to everything. Bro is being told to work less when the household is paycheck to paycheck, help out more at home, let her have control of finance, and then take it all in stride and not get defensive when attacked for it. I don't know, but I feel for the guy.
truth
she’s getting a free pass on everything. Commenting after only watching about a fifth of the way through.
Not even eventually she straight up said she was in charge of it and he only noticed the late fees when he got acess in the last few months.
So he was wasting his wages on late fees.
Why are people flaming the guy? I think he's trying his best but is being overwhelmed. He wants to do his best and ensure that his wife isnt as stressed but clearly its been hard on him. Also the guy has better awareness of his current situation and finances than most guests brought onto the show. We need to cut him some slack, you got this buddy!! I hope i get to see them in a future episode with good news, all the best
He’s well on his way to being there
Couples who work together and plan can be so successful. Couples who work against each other are destined for ruin.
Exactly. It drives me kind of nuts when I see partners celebrating it when their partner gets called out.
I noticed it more with her than with him, but when Caleb dogs on this guy she makes faces like, "told ya so".
Like, I understand that it can be nice to hear that you were right in your arguments but the shit-eating grin probably isn't necessary.
Well said
That is a proverb to live by.
LETS GO FINANCIAL AUDIT!! We LOOOOVE couple audits
Same!
Why do you write "let's go" in the comments like you're at a football game?
@@Vale10952 Increased engagement! Lets goooooooo
Yaassss the DRAMA
@@Vale10952 It's a cheer, an expression of enthusiasm and support
this guy isn’t angry he’s very overwhelmed and stressed and really needing some guidance. i feel for him and i can tell he’s trying his best
The wife deflected onto the husband the entire episode. And caleb backed her up the whole time. While hes working 60 hours a week and shes buying shit on fortnite.
Reading is fundamental. We have someone going to college but cannot read a bill. We have somebody who pays the bill but can’t see the date it is due.
We have college graduates that are functionally illiterate. The lab I work in had to put a reading, writing and math test as the first step in an interview. Over half of the people can't pass it. All people with degrees.
@@earthstar7534Degrees are just a certification.
@@earthstar7534Wow
@@earthstar7534
I’d like to think I’d do fine reading, but as far as math goes it’d depend how complex math we are talking. XD
And what tools are given to us.
I aint solving no calculus quadratic equation stuff off the top my head. XD
Most people can do 2+2 = 4 haha, I would hope so anyway.
@XFizzlepop-Berrytwist it's things like long division, fractions, metric conversion, percentages, multiplication. Very very basic things. My children are 10 and did the test to kill time once because I had to bring them with me because I was needed on my day off. My daughter passed it, but she's a stronger reader. Both passed the math portion. Nothing beyond a 5th grade level.
It's mainly a tool to see if you are illiterate or not and if you can do very basic problem solving without a calculator.
Why does it feel like the financial “takeover” (for one month) happened this way:
1. She was overwhelmed managing / mismanaging the money.
2. Arguments ensued.
3. He took over to relieve her.
4. She now has a fall guy.
5. He can’t handle the pressure of fall guy.
Exact outline!
true, this man is under unbelievable amounts of stress. Hats off to him for being able to stay aware, and focused on a goal even if it was hard for him to get the words out of his mouth and be here.
100%
She can go log in and look at anything she wants whenever she wants and yet it’s his fault she doesn’t know anything.
I don’t think she wanted to put all the blame on him or make him the fall guy. He wanted to be able to handle everything himself but he deserves help too.
Almost bought 20 pounds of crack cocaine and fentanyl but thanks to Caleb’s videos I thought “what would Caleb say” and didn’t do it 😊
As long as you pay cash and can afford it, I don't see a problem. Just don't put it on Cartel Credit Agency the fees are insane.
Bahahaah😂
I’d be angry too if I were the sole income earner, living paycheck to paycheck, and being told by my wife that I shouldn’t work so much.
The only way he'll be free is a divorce but I think he is stuck
And she was in charge of finances and got piled with late fees that she missed until he took over, then caleb blamed him even though he had a few months access
And basically being told by the auditor that you're a piece of shit who needs to do better
I hate it so much when parents refer to their own child as "the kid". And they both said it like they're mad at their baby.
I react to this negatively also.
just like the last financial audit as well
Yeahhhh I was about to say that. I understand his stress but goodness the attitude sounds like he is super resentful
And kids will absolutely pick up on the negativity directed toward their existence. None of us asked to be dragged into this expensive world, and when people become parents when they don’t want to, the children suffer.
Its comes off as being very disassociated with the well being of the child.
I watch financial audit before online shopping which results in me closing out the tab voluntarily
Recently have started listening to episodes on my way home when I am craving fast food. Nothing like Caled yelling , "you don't have MONEY" to change my mind and cut the cravings.
Didn’t like how Caleb said he wanted a pity party when he said he didn’t like himself. Some people really struggle with self esteem and that’s how they really feel it’s not a ploy for sympathy or attention. I’m glad he’s going to therapy I hope he can feel better about himself soon.
I was glad when he pushed back on Caleb for that
Caleb is too used to people that makes excuses and aren't interested in self improvement. This guy was just pointing out his mistakes. He's already beating himself up too much and that comment from Caleb was just disrespectful.
This audit brought some things to light and gave him a plan to fix it, and that's exactly what he needed. I'll be praying for him, because this dude is strong af.
My husband complained that I was spending too much.
He gave me the job of paying the bills and balancing the checkbook.
It made me aware of where the money was going.
That was 38 years ago.
On the Caleb Hammer financial scale, my husband and I are a 12.
Having both people say what their Hammer Financial Score is at the same time was a good addition to the show format...
It clearly illustrates how disconnected couples sometimes are when it comes to their financial situation.
No one beats the Newly Wed Game.
I’m seeing a theme with each of these couple financial audits. As a wife, I must say the lack of accountability taken is so mind blowing. Most of them are sitting back and blaming their partners/husbands for financial decisions that are ALSO their fault. Unless your partner/husband is actually gambling away money, have your partner’s back and have some support and make sacrifices yourself too! Drives me nuts!!
You are one of the real ones! Stay up Mamacita
Agreed. If you put 100% of the responsibility on your husband, and bury your head in the sand, you don’t have a leg to stand on to critique what he did with the responsibility. You’re an adult too and could have been involved.
Many women are raised to believe money is totally the man’s department. It’s almost a point of PRIDE. To have a man work, and provide.
She didn't notice the late fees while doing the payments until he got access and said he saw it straight away.
I disagree with trying to make this guy sound like a controlling person. If she actually wanted to be part of the financial conversation she could’ve looked at the statements and said something. If she wants to get a part time job, then get one. She’s allowing him to make the decisions and he is doing it happily trying to keep the stress off her. Very honorable.
I can hear how critical he is of himself and it makes me sad. Dude: you are a GOOD dad and GOOD husband. Give yourself some credit. You had ALL the answers to Caleb’s budget question - most guests are not that aware of their expenses. And your beautiful wife, made it out of foster care and into an education and career! Wow. Way to go. You guys are gonna be ok. Expect good things and steer your family that way. ❤
💀
Everytime I think I want to get married and settle down, I watch a couples episode and realize I’m doing just fine 😅
When the divorce arrives, you’ll be broke.
Don’t do it.
I’m married 25 years.
Trust me.
That’s why if I find a man we will have a conversation about everything to make sure we align lol
💯
believe me, not every couple is like that. finding someone that I'm aligned with financially was very important to me. my partner and I never fought about money. Money conversations are always uplifting and inspiring rather then depressive. we have the same goals and motivate each other.
so pay attention and have the right conversations in the talking / early dating stage and you'll be just fine. you got it
Just find someone who is on a similar mindset as you.
I think phrasing a 5 on the Hammer Financial scale as "average" is probably misleading and confusing for guests unfamiliar with the show. An "average" American is swamped with debt, no emergency fund, and is behind on retirement, but that's not what a 5 means on the HFS scale. Might be helpful for new guests if it's explained more as 1-3 being in the problem range, 4-6 being in the comfortable and mildly secure range, and 7-10 being in the successful and stress-free range. I remember a mention last week of an onboarding program. Maybe requiring that they review the HFS criteria before scheduling might alleviate the recurring "You think you're average?" confusion.
True. I *think* Caleb means "average" in the sense of the absolute best case scenario for every American. However, in the case of current reality, "average" on the HFS is more like...top 10% of all Americans, basically.
If they know what a Hammer financial score is, then they probably know his definition of “average”.
This guy is actually really cool and is trying his best. I'm rooting for you guys.
Oh wow this might be the one of the sadder episodes. He is 100% on the spectrum and is actually doing all he can to fix their situation… He believes that he is not good enough and literally is saying “he hates himself.” The wife doesn’t seem to understand his frustrations and is hoping therapy will fix him like he’s a robot. I hope he loses his self hatred and gains confidence. I think he should routinely meal plan, exercise, maybe 50 hour work weeks, and learn he can thrive!
get that baby on the insurance, brother. Last thing you need is another emergency where medical for the child is uncovered.
I have a middle-income friend whose father died when he was a teenager, and family was living in poverty on others’ charity. Now that he has kids, I couldn’t believe I had to slap him upside the head to get life insurance on HIMSELF.
I used to not care for the couples audits as much, but the increase in their frequency has actually been really enjoyable. Been watching your stuff for over a year now and still watch every episode!
When there is a couple involved and only one show up it definitely gets frustrating and missing parts
I love the couples audits!
They're my favorite! I'm so glad he's had more lately
Why is everyone bashing this guy? He's working 15+ hours a day and doing the housework and childcare that his stay at home wife with a spending problem is too lazy to do. She has the nerve to say he isn't doing enough and Caleb sits there and says the same thing. This guy is going to snap one day if this keeps up. She is probably going to divorce him saying he "wasn't doing the bare minimum".
And he had his income burned by late fees she never noticed until he took over finances that he got blamed for.
She wants him to work less but said they are paycheck to paycheck. She said she has not idea what is going on with finances and makes Caleb feel like the guy is withholding things but she had full access the whole time. Seemed like she was putting everything on her husband and he was just taking it. I feel bad for the guy honestly.
Moving for a sister that she knows nothing about and requires better water yikes
I don't think she knew nothing about the sister, they just didn't grow up together. That's my two cents at least
I agree, they skipped way over the fact that they defended moving for the sister, then later bash her for not ‘knowing how to give love’ and not being a reliable resource for childcare. Why did they move if they knew nothing about her? Why have they seemingly gotten such negative views on the sister but still defend her? I want to hear more.
"Sorry sis, we can't afford to upend our lives and come to you, why don't you come to us?"
They’re going to make it out.
Love the self accountability and reciprocated dedication they both express to get out of their situation.
His Self accountability? She was not accountable once, and placed all the blame on him.
She’s thinking: “when I start in July, it’ll be fine.”
They need to stop buying stuff for the 1 yr old. Contact mothers’ groups, La Leche League…you can get EVERYTHING except diapers for free.
This guy presents super neurodivergent and is actually incredibly self-aware and is doing as much as he can to stay afloat, and is obviously taking steps to better his mental state as well as coming in this show to get their finances on track. Massive respect to both of them because they're not at each others throats and seem like they really want to figure it out together. This is one of the only videos that I genuinely like the people on the other side of the table.
agree. Not to diminish that, but I just got to 40:28 , where “oh, yeah-we have collections.” OMFG.
As someone who is autistic, this guy has a neurodivergent mind. He is mad because he can't do things the way his mind has planned it out. He is mad at himself. He has a way things should go in his head and he has a routine. It seems when anything throws his routine off, he gets overwhelmed. I get mad at myself all the time because I get overwhelmed for things normal people don't get overwhelmed over.
That's not neurodivergence, that's literally just how life works.
@@soundsnags2001 the neurodivergent part is how hard it is to cope with things like that, regardless of if they happen in life. But since they happen to everyone everyday we get to try everyday to do better. And he sounds like he's trying.
@@septimal_7 yeah bro, we are all trying. Life isn't easy for non-autistic folks.
@@soundsnags2001 You are right. Now I gotta question, why are you seeing this as an attack? The only thing that explanation did was to potentially explain this guy's thinking. Noones giving him any free rides. Just saying they can understand him and empathize.
I'm honestly shocked more people in the comments are not picking up on this. These two are the most likable couple ive seen on here so far, he comes off as aggressive but it's very obvious his mind is just working differently than what most are used to. He doesn't come off as violent like a lot of people are insinuating
Genuinely speaking, all things considered. I think this couple is just human. You can pick out things one by one but at the end of the day, this looks like two people who are willing to work together to get stuff done. Are they perfect no? Do they have some bad shit they need to work on, yes. They are considering therapy and the guy is even going to it. They are living the human experience and i think what Caleb did for them will help them out a lot. Thanks.
He works hard… she manipulates him and eats enough for 3 people
This poor guy. I commented originally before watching the whole video. Dude is working his ass off and his wife totally isn’t supporting him
Not only is she isn't supporting him but seems like she is also blaming him which has to be adding to his stress. He is already extremely down on himself based on what he said publicly here, I can only imagine all the negativity from is inner thoughts. Hope therapy ends up helping him.
She loves PILING on the guy but then deflects blame. See why bro so stressed
I think its unfair to say he's being controlling. She has access to the accounts, and she was in control until one month ago.
And she missed the late fees the entire time, but he noticed right away when he had acess which would've added up to some rent payments.
He carries a lot of stress. He carries even more rage.
And he drives for a living…. Road rage. 😂
And the slurred speech makes it sound he is loaded on booze 24/7.
He's like a stereotype of the angry bus driver.
@@amoose8439he could just be on the spectrum
@David-gr1do no he's just aggressive and angry. He's also ignorant from lack of education.
How do you know that?
hey Caleb, i am from South Africa and a full-time law student! no debts yet i had a very bad spending habit, to the point where at the end of the month id be crying in regret and the cycled continued. i have binged your videos for the last two months and i finally have my own emergency fund, a budgeting system and as well as cut my spending alot. thank you for all you do and for being my guilty please youtube channel!
Y’all. He’s most likely on the spectrum (and if he’s not I’m very sorry for assuming) but that’s why he’s talking the way he is. He’s not even angry. That’s just the way he talks. I have many autistic family members and he reminded me of them so. Just be kind
100%
he is like actively angry at himself in agreement lmao
Ok people need to understand this. If someone comes to your door, especially in Texas, and attempts to sell you something, you get a second opinion. Nine times out of ten, it's not worth it and they are making a ton of money off of your ignorance. Door to door salesmen will say anything to make a sale. The solar guys are the worst. It's gotten so bad in our town (small town inside Fort Worth) that solicitors are required to get a permit from city hall.
Financing a whole home RO or water softener from a door to door salesman in a freaking rental house has to be one of the dumbest things I have ever heard on this show.
My husband will not do business with anyone that knocks on our door because it's only encouraging them to keep knocking on doors. If we need a service we'll seek them out.
My opinion is the guy is a hard worker. Dude deserves major respect
Dude I feel bad for him. You can tell just how hard he’s trying to make things work, while being financially ignorant, and seemingly every time Caleb catches him slipping up, she takes the opportunity to dogpile on him, yet all he does is take accountability. Meanwhile she can’t admit to spending on her card when the statement is right in front of them.
Financially ignorant? He noticed the late fees his wife never did as soon as he got access to the information and knew what every single bill amount was as soon as caleb asked.
She seems a bit out of touch with the work less, when you are literally paycheck to paycheck.
Bought a water system for a rental.
Say no more.
it was a scam to boot
Its social darwinism, “any trying” gets undone if you make stupid decisions to make you even more poor. Idk how anyone in their right mind thinks about blowing 5k to upgrade water on a RENTAL JESUS FC
What.... in the hell!! Not there yet but wth
@@maceroee then they move now are in an apt... They should sell it back or sell it to someone else.
@@austinjacobsen7689 Everytime someone comes to my door trying to sell me something I politely say Im not interested in any sales people and slam the door!!
She is the biggest red flag . She’s going to get more terrible once she graduates.
Hubby is a good guy. He wants to protect his wife by not over burdening her. Full time school and looking after baby until graduation.
He is working 15 hours day so not a slouch. Also going to therapy to understand himself and learn strategies.
This is a good couple, they are trying to work together.
Got my Financial Audit bingo card. Who else is ready.
Omg what a great merch idea!
I agree! Great Idea @Valhalliant
@@renraff2569Nope! Don't buy merch. Put that money in your retirement fund. For shame!
I have one for. the trains in Germany. Sadly 1 week was enough for bingo
I need some official ones
It started a little rough but by the end i liked these two. I think they will follow through and be great. Husband/boyfriend is obviously on the spectrum which contributed to any awkwardness at first but he has a good heart and so does she
This guy is doing great! He works hard, takes accountability, is honest, clearly cares about his family. He deserves some props!
He just sounds like he feels he isn't being heard.
I think the guy has the heart to improve- I mean, he was reading books and could recall various steps to be effective. So he is definitely in the right direction in terms of seeking help, maybe he just doesn't know how to execute and needed that final push from Caleb to really get the ball rolling. I like how they are at least receptive to the criticisms and do not make excuses. Goodluck to this couple!
So what about her?
Yeah he’s good… he need to lose 250lbs (his wife)
Feel sorry for this guy! I’ve been there man.
Knowing that you have issues, knowing that you have problems and hating yourself for it but still just not knowing how to fix it.
Self improvement is a long road and you’ve got this man!!!
The euphoria my brain felt when Caleb asked for dollar amounts and Aaron just puts em down
He dosent seem angry he just seems a little socialy akward or on the spectrum. My husband is on the spectrum and talks in a similar way. Its just the way they talk
I have a lot of respect for him , hes doing what half the people on this show wont do. Hes actually working. He definitely has some areas of work but ive got hope
This is the best guy so far with admitting the real problem
Did she admit any problem or it's all the man's fault?
One piece of knowledge I’ve just grasped and applied to my life from watching financial audit is how much eating out just impacts one’s finances, like we don’t think it’s a lot until a month’s worth of eating out in total is shown to us. Meal prepping has been a positive impact on my finances.
Yup, and most things from restaurants are 100s of calories more than making a similar item at home. Lots of heavy cream and frying, which can be avoided at home.
My brother and his wife are like this. They eat out or door dash food all the time, and then complain they have no savings or any money. And that capitalism is to blame.... somehow.... lol
💯 I'm much more self-aware and almost never order takeout anymore. It just feels like I'm throwing money out of the window at this point
@@NickyBlue99 I truly believe this is the vast majority of people crying all over the internet right now.
I remember when gas when up a dollar a gallon everybody FLIPPED out, if the difference of somebody doing 'ok' and being 'paycheck to paycheck' is $60 a month lol... there's other problems at play here.
Same with restaurants, I see lots of people say "I can't even afford to take my kids to mcdonalds anymore".
Like, I don't think you could in the first place! And we all know the moment they even have a spare $30 to their name, the whole family is going to mcdonalds for ONE meal! good lord...
We cook and eat at home, rarely eat out unless it is a special occasion. 😊😊😊😊
This is a single dad struggling to scrape by and pay child support for an overly optimistic girl who doesn't understand reality, but they're still together.
Oddly, but accurately, phrased
Hes stressed out that's why he's so aggressive. He's holding down the fort by himself and its getting to him. He also wishes he could do better so he's taking that anger out on himself. Very raw feelings. Hopefully they end up in a better situation. Kids aren't cheap.