Make your first payment today! go.melio.com/caleb Check out today's post-show! It's a long and great one: ua-cam.com/channels/Le_q9axMaeTbjN0hy1Z9xA.htmljoin Go to meetfabric.com/CALEB and apply today, risk-free! If you’re ever injured in an accident, you can check out Morgan & Morgan. You can start your claim in just a click without having to leave your couch. To start your claim, visit: www.forthepeople.com/Caleb?s=86%3A4545
I just wanted to comment that my girlfriend has an admitted and acknowledged problem with saving (she tends to go for broke) and therefore I would also admit not trusting her completely with all my money and we do shared accounts, only for regular purchases. I own the house, I have savings and she doesn't. I will never be lured in a situation where my savings are spent by another. So yeah, why wouldn't he say that he doesn't trust her with the money? Obviously I have not watched anything of the episode and I somehow assume that he turns out to be the one doing all the spending.
30 min in, and this episode is already a lot easier to watch than the last few. A lot less screaming and roasting the guests, a lot more genuine conversation and trying to understand the financial situation. I'd much rather watch an episode like this than one where there's drama for the sake of drama. Hoping for more like these!
Yeah there was a lot of sniping back and forth, taking them at their word that everything else is good and this is just a high stress part of their marriage, maybe this is the worst it is…🤷♂️
This Dude is miserable with her. You can see it in every move and expression he makes. A year from now their finances really will be separate because they'll be "separated".
@@melw5834 There's a difference, but, there's also a difference with me, not being a Math teacher or an accountant yet I'm Financially stable with only my Mortgage as a debt that's being paid on time. Her, on the other hand, has an advantage with numbers and all. 😁
@@jaes1346That was a whopping $78k. I'm sure there are neighborhoods that have that as the median income but pretty much no large area would have a median income that high in 2024. With inflation, it'll happen someday but not today. Simple mistake, though. They spend a lot (mostly on stuff they need but they have high rent) and she clearly is outside of their finances so it's possible she really thought they make significantly less than other households. Having less discretionary money isn't the same as making less than everyone but it can feel that way.
Exactly! I caught that too. Even though she claims to not know how much debt they had, she still knew that they had a lot of debt, but when they get paid she seems ready to spend.
I agree! Seems to be she’s stuck in an immature mindset where the actual bills like responsibilities such as utilities, rent, car and food, etc aren’t things she wants to spend the paychecks on. She just wants fun and material things. That’s how someone young with their very first paycheck might act because they finally have a little “fun” or spending money, not a woman who is married in her 30s with two children. 😅😂 Sure, even the day I get paid first things prioritized are BILLS and LIVING EXPENSES. I don’t say oh I got paid so I’ll go blow it on fun.
Let's be honest. She doesn't WANT to know. The less she knows, the more she can spend guilt free. She went on and on about how she doesn't get "told" things. Okay, how about you take initiative and look things up?!
She won't spend guilt free, she'll get her husband to do that. And then brag that she has no debts meanwhile most of the irresponsible purchases are her idea that she eggs her husband on to buy.
All of these couple audits really help point out the fact that adults need to have adult conversations about finances BEFORE they enter a marriage and to continue these conversations on a regular basis. I can’t imagine being this clueless about the finances of my household.
I would agree, but people change over time. I had a relationship where we were talking about marriage and I got lied to about her debt. I later found out her parents bailed her out of credit card debt twice and she had racked it up again. The bad thing is that if one part of the couple racks up debt you are already married. At that point you either help bail out the water or go down with the ship. You can jump ship but you still end up having to help and take some of that debt. This is why finances is why the number one issue that causes divorces. Counseling can only do so much when you are already in the boat.
@@Dr.ShadowlightZ2 I probably should have said “willingly clueless” because she seemed ok with just going with the flow, not really insisting on budgeting conversations. What you brought up is also terrible, if someone is not willing to be honest and is straight up lying to you that’s another story. That sucks you got dragged into that, I’m sorry. That could absolutely be a nail in the coffin of a relationship. *Mental note to myself, another reason for a prenup…
She comes off pretty condescending and self-righteous… he is a bit weaselly…. If she doesnt ask the specific amount… he should say… “i dont think you understand… its $30000”. It all comes back to the beginning where they dont make time to sit down together and communicate. Caleb springer is right
I really enjoyed this episode. Its a bit like watching old episodes of Kitchen Nightmares for me: less screaming and overreacting/drama, more real advice and conversation. Your Financial Audit series actually helped me change my life a fair bit, I'm 23 and live in the UK. Things are very different here, but I was in a bad cycle and living a payslip behind using credit cards, with a car loan and no savings. I'm now debt-free and saving 40% of my income, which is only set to increase. Thank you!
I don't have children right now because they would be my first priority and I got extremely sick and had to adjust first. I'm getting better and have reconsidered my ability to parent.
A grown woman, mid thirties, married with kids claims that she doesn’t know about her finances because she has “not been told” about it? What about taking some responsibility and find out yourself? Why is that burden placed solely on the husband?
YESSSS! This is my favorite episode! Very “normal” or “average” mid 30’s couple, I am INVESTED in this episode! A very mature conversation. Hope to see more like this in the future. 🙌🏻
Thaaaaaaank you for finally putting normal people on. I have skipped so many episodes lately because the people are more like delusional cartoon characters who aren't serious about their lives at all
You know those "characters" are people. That's how some people are. What is he supposed to do? Say " don't apply unless you are 100%mentally stable and behave exactly how this lser named @meanmugging expects you to?"
@calebhammer While yes, these are scheduled 3 weeks out,that doesn't change the fact that the past few weeks of episodes were absolute garbage, and many people skipped them. If you read your comments you will find a HUGE portion of your audience does NOT want the clown show guests you have on all the time. Having a circus is ok in moderation.
I think he gave a 7 to that OF streamer who makes $2 million per year. 😂 Edit: I've been corrected a couple of times that she got a 9. It's Caleb himself who has a 7. Have a great day, y'all!
You really only need to do food prep for the kiddos until they are like 10 or so, then they can start packing sammies and stuff for themselves. Just remember, with kids, EVERYTHING is temporary except the values you leave them with….
big red flag: whats the problem we just got paid that implies you're OK living paycheck to paycheck, or you acknowledge that you live paycheck to paycheck. living that way is nowhere near an 8
Also lady thinks the median household income is over 100k and thinks every kid in school should have free lunch. She has no idea how the economy works.
My fridge has had Tupperware on the top shelf for 12.5yrs. I have the money to replace it. We're not paycheck to paycheck. But it works and I'm not replacing it until my 6mo savings is back up after my husband was off 6mo following 2 shoulder surgeries. Hearing this blew my freaking mind.
@@shuheihisagi6689they should. Shame on us for not just feeding all the kids. We need to get our priorities right. My governor cut school lunches but gave millions in tax cuts to FB. Who never showed up w the hiring promises they made.
More episodes like this!! Less drama, less stupidity. They seem like they are trying but totally lost. The generation that went from college to recession to COVID to parenthood needs Caleb!
She is WILLFULLY oblivious. She knows she's not bringing in that much so she chooses to ignore all the dumb decisions he makes so that she can live how she likes and feign ignorance.
Yup, she is. Not knowing what he is doing means she has no responsibility. She could've insisted that they sit down and talk budget and specific figures.
As a woman who used to live like this…you’re right. To be fair, I felt a lot of pressure to live like that and I think a lot of men like it bc they want the freedom but eventually you just have to grow up and dive into your finances and make damn sure they are where you want/expect. You cannot depend on someone else like that in life. Even if they’re dependable, you still need to be involved in your finances. Edit: I got married at 19 and by like 23 I realized I needed to be a bigger part of our finances. Having kids and not knowing your finances is even wilder.
@@deirdrekiely6187 Don't judge, sometime as a wife we try to just avoid it. We know it not smart but it better than dealing with a fight with my husband esp with kids. Not everyone situation is perfect.
People think that marriage is where everything is perfect and relationships are easy, but this is the real stuff. Marriage and finances are tough, and having conversations like this is so important, especially way before it gets to this point. Great episode!
Oh no, we realize it. It’s teachers who have this passive aggressive way of communicating that slowly eats away at people and cause them to unalive themselves at 35. Unbelievable lack of self-awareness but knows how to put everyone else down. Worst kind of person imo
Wow, and he hid a car loan at 20+% interest from her. This dude is someone I’d throw under the bus… he deserved all the bus throwing he got in the episode.
Yep. She rags him into buying some crap they don't want and can't afford. Even if he said they couldn't afford it, she rode him till he bought it. Then she sits smugly when he's in debt and not her. It was both of y'all. Y'all's is both broke and in debt.
@@Quinteraoceana That would depend on the state and premios. If they were to separate, they'd still split debts and money 50/50. This separate accounts thing isn't protecting them they way they think it is.
I have 6 six and one thing I had to remember when they were young is that their expectations are small. One year we went out and bought my kids new school clothes and when the first day of school came around I told my oldest to go get his "favorite shirt" and he pulled out last year's shirt. It made me realize that I had purchased those clothes to impress the other parents, not my children.
This couple impressed me by their willingness to be open about their situation. I hope they are a success story in a year or two and show they committed to making their lives and their children's life better.
It amazes me how many of these couples feel like this is the first time they're really discussing their finances with each other. How have you not sat down and said this to each other, or even a couples therapist, before ending up on the show? Boggles the mind
Yeah I have a friend who refuses to speak to her fiancé about finances. I believe her other half is in relatively good shape but it's still a terrible idea to ignore the subject before getting married
I think a lot of couples are afraid to discuss finances with each other because it can quickly devolve into a blame game and argument (not saying it's right, just outlining what I think stops most couples from talking about it). I know my husband, when we were dating, was extremely cagey about talking about finances because his family had told him that talking about money ruins relationships (yes, really).
@@The_Letter_M You husband's family was probably right, the qualifier is that if talking about finances leads your relationship to fail then the relationship probably should fail, just like the thousands of other legitimate reasons relationships don't work out. You should be with someone you can be open with, which again, astounds me that people MARRY when they are scared of talking to their spouse
I'm so glad my fiance and I are not like that. The best thing is finding a partner who will strategize with you and make a solid plan so you can weather the ups and downs of life together. Everyone who gets married needs to be aligned on financial goals and plans. That's the most basic standard everyone should have.
@@Quinteraoceana Not just millennials! I've heard people of all ages say that they never got an inheritance and that's why they didn't get rich. FYI: I'm a boomer, never got a single cent in inheritance, came late into the workforce, and have worked up a secure retirement without ever being a high earner.
I know a number of people who frequently complain about not having large sums of money to look forward to when their parents die. One says, "Oh, but all of our neighbors are going to inherit millions" which I doubt. But what an entitled/elitist way to look at your life.
Agreed. I grew up in homeless shelters and projects. So at poverty line. I’m now upper middle class…I jumped 2 socioeconomic classes in one generation, that’s such a cop out. 😒
Ma'am. Your 3 year old is not asking to be in an expensive gymnastics class. Get her a leotard and a tutu and a ribbon twirly thing, put on some classical music and let her go HAM in the living room. When she's 5 or 6 and can actually express the desire to be in a sport, ok! But minimize your schedule as much as possible until you can get your feet under you again.
THIS! Or, if they insist on the social aspect of it, put her in a cheaper sport for the time being! Most communities have little soccer leagues for much cheaper. Where I am, players get steep discounts if the parents agree to coach as well
When I was three, I was signed up for ballet and tap dance classes. I didn't actually want to be a ballerina, I wanted to walk on the balls of my feet. Kids at that age aren't super articulate at knowing what they're saying they want. Save the money, just get them gear and let them watch tutorials on the tv
Exactly...I had no concept of what gymnastics class was at age 3 and I had a fabulous childhood. Kids literally think cardboard boxes are fun, it's beautiful.
I am a mental health RN and love your stuff. I have been watching about a year and I think this was your best work yet. These two clearly need help but also seem reachable really hope this works hope to see many positive follow ups.
She literally turned into the teacher from the Peanuts when she explained the financial discussions they do have. She just doesn't listen and then claims to have not been told 100%.
Agreed. She says their an 8 then immediately gives a story of how he told her they only have $30 for the month. He might not be explaining things perfectly either but this dude is not giving her the vibe that they are chilling financially.
Many teachers and mothers are like this. They proclaim themselves the "boss" of their captive audience children and then carry that attitude into all situations. It's obnoxious.
If they had a nickel for every time she interrupts him, they'd be out of debt with a fully-funded emergency fund. We all know manipulative people like this who are unaccepting of criticism and have to control the narrative at all times.
@@Felicia2024Xl agree with the 2 and 3. Take them out for the next 2-3 years and save that money towards the fund. Let them restart if they want to when they get a bit older.
I think it's great! There's toddler tumbling and Gymboree kind of stuff, great for motor skills, socialization, being in a learning environment. They can definitely afford it, that's the sort of thing they should be prioritizing as a family over stuff like takeout and SeaWorld.
Did I hear correctly it is both kids? The two and three year old? I am a toddler mom I GET wanting to give them everything but at that age it just isn't necessary.
Yeah, people don’t realize that ignorance isn’t inherently bad. You not knowing something is not bad so long that once you are aware, you try to learn and be better
@@luvinchocolate it's not normal to be married to someone for many years and not know eachothers expenses and liabilities. These people are insane. That's not even going into the other strange behaviors they exhibited just on this video.
Very glad we’re back to this version of Caleb. The last video scared me. Now I can share with y’all- I was finally able to refinance my car out of a joint loan with my soon to be ex husband and move my death interest credit card back up in priority for my snowball. Honestly before watching this show, I never put into perspective how detrimental interest rates are to finances. I was charged $353 in interest alone on that card last month and was at one point only paying the minimums of $575 for a while when I was unemployed. Then piling more back on to buy necessities. Very happy to have a better perspective and be in a position to really chip away at my balance 🎉
Awesome! Best part about this is that you will not let yourself to be in such a hole in the future but if life does happen, you have the tools and mindset to get out of it.
I love that you mentioned snowball shows you’ve been not only watching but applying this action (snowball smallest debts first creates habit vs avalanche biggest debt first) I would say good luck but it’s not luck it’s hard work so well done. I’m doing avalanche on a debt big enough to live in 😊
@@jamesvandehey9236still making progress! The credit card I mentioned is paid down significantly and I’m not getting hit with SO much interest every month anymore. Currently looking for a side gig to pay the card and my car off even faster 🤗
She probably read the Yahoo finance article about middle class Americans that earn between 52K-175K and instead of the median income she thought of the highest amount you can have as a household to still be considered middle class.
@@exqueue3813 that's why I said " assumed". When the conversation first began, I thought she was talking about things that actually mattered. She wanted a table and he thinks an 800 TV is a need. They are doomed
I don't believe a word that lady says... she knew abt the amount of debt they have. And the reason she has no debt is bcs all her 'wants' are on his CC
Let me tell ya with an engineering degree, 1.5 years experience as an operator and working with the lead Process engineer at a major tech company - I wasn't making 175k/year out of uni. I must have messed up in my application process xD. Tik Tok really dilutes your brain...and I'm a 30 year old boomer saying this.
@@baconoftheark I hear that. I’m also a ME in the Bay Area in CA. I have a senior position at a really well known company out here and I’m not making 175K. Students with the expectations of making that much straight out of college are in for a big surprise
Shout out this couple. They arent extremely in denial and they seem like they want to be in a better situation. I hope they can improve their situation.
She’s clearly let him carry the burden of the finances on his shoulders. I don’t think it’s fair of her to sit here and use ignorance as an excuse for why they are in this situation
I knew stay at home women whose husband's took full control of finances and would give their wives an allowance. 😂 😂 The wives were perfectly happy with that.
@@catholicfaithofmine2664yeah and that system of "one person handles the money" works if they actually know how to handle the money, which is not the case here
My husband and I have separate checking accounts, and share a savings account and each pay different household bills- for us, it works- but it’s not a trust issue.. if you are married you don’t need to combine everything but you DO need trust. The money that comes into the household is still shared money, it’s still “our” money, but if the bills are paid and money is being saved and invested- my husband doesn’t need to ask me to buy a video game, and I don’t need to ask my husband to buy a pair of shoes- we trust each other to keep the house running without having all the money in one place.
That's how we do it too. Shes told me before she thinks thats why we have such a good relationship. We don't have to try so hard to hide our bad habits from each other hahaha
@@MC4TWTdon’t have to hide bad habits from each other? Maybe it works for you but I hope you’re further ahead in retirement savings than the guests are for their age.
@@YIWOTY it was a joke, but it's the same as budgeting for spending money, but splitting it so you can each spend your half the way you want to, when you want to. I have cards for her account and she has mine. But if I wanna go buy some hash, I don't wanna find out my hash budget has been blown on craft supplies or seasonal decor.
Only 22 mins in and she wants a table for behind the couch and they can't afford it, but they are making homemade cutting boards, Why not make the table with the supplies you have?
It is so refreshing to see an episode with people who are not just dumb and impolite as well. Just in a bad situation, but still polite, listening and taking in advice without pushing back. So refreshing and so much easier to relate to and actually get something from. Also need more couple ones, I’m in a serious long term relationship and live with my SO, which makes it interesting to understand better how to manage finances in a relationship. Anyway, please more of those Caleb, simple, realistic, polite and listening people
This woman is insufferable. Her husband can barely get a word jn edgeways, has worked 2 jobs and she can't be bothered to make sandwiches because she's "mom tired" while having 2 months per year off work. The way she looks at him is vile. Get out while you can, son!
This dude needs to run away. I was in this situation 11 years ago. It was so bad, leaving was the only option. Today, I’m much better and I’ve never been happier.
I dont understand why husband is being dragged for not meal prepping while wife sits there looking pleased with herself. He is the primary earner and has the side hustles. Is she incapable of making sandwhiches??
Because she’s tired! She’s a teacher! She’s a mother! She didn’t know about the debt! She’s starting from zero (yeah, she started 20 years ago, but whatever.) This is sarcasm, by the way.
The wife needs to get a reality check, she’s so obnoxious acting high and mighty when her husband is the only one putting in all the efforts and trying to fund her lifestyle.
I can’t believe he said his needs would be viewed as wants bc he’s a parent and needs to give his 3 year old & 2 year old a happy childhood and the first example he gives is a television. Bro wut
A caution to married couples keeping their own checking and savings accounts. Please put both spouses names on the accounts. My sister and her husband kept separate checking and savings accounts . Her husband passed away several months ago and the estate is still in probate. She has no access to his money and the estate wont be probated for another few months. If she had not had her retirement and savings she would have been in a bad financial situation. They shared house hold expenses and she has to manage on her own unit the will is probated.
@@YouMissedBroi was just thinking right away she gave me Karen vibes. Snarky and combative. She seems exhausting and that’s why he doesn’t talk with her.
They are THIRTY-FIVE?!? Are you serious?!? Lol I guess I missed that at the beginning. Good lord they look rough for 35. Aged horribly. Remember folks, use sunscreen!
Definitely enjoyed this one more than the last few very drama filled episodes. It was great to see this couple admit faults and shortcomings, staying humble and open-minded, and willing to work and sacrifice to get to a better place. This is quality content.
Not even 10 minutes in and this is a much better episode. Caleb is trying to help instead of roasting and yelling. This is more like the old episodes, we need more supportive Caleb!
So I’m getting married in October. My fiancé is the bread winner and pays all of the bills. I buy groceries and have a few bills here and there but nothing crazy. Yesterday we had an hour long discussion about finances and it was great and very productive. I have a little bit of credit card debt that has been weighing on me and even more so because I’m not the one who caused it. I was hoping that the person who did cause it would step up to the plate and take care of it, but it’s literally been dragging on for years and I’m just over it. So yesterday I went to my fiancé about it and we came up with a plan to tackle it so that I can put it behind me. I’m very happy to know that he and I can communicate about finances because I know that it can be hard for couples.
Good luck. As a married woman myself, when I did get married with my husband he had a car that wasn’t paid off. So, to avoid him constantly paying into the interest of it, I paid his car off after we got married. We also had our finances like you. I did not pay rent but I did some bills and groceries. So it allowed us to save money. It’s better for the whole family (as you and him are now a family 😊) if no one has any debt and you guys can save towards your goals and retirement :). Best of luck for your marriage! Congratulations
I paid $300 for mine. Name brand, HD, even 3D, energy efficient, 43” (I wouldn’t want bigger) and I’ve had it for nearly 10 years. Quality is absolutely fine. An $800 TV is not a need.
@@muirgenmonet Mine is the same size and it's a SmartTV 4k, just under 400€. I can't understand how they justify paying double with the amount of debts... poor kids
As a parent, she is making excuses about cooking. I get home at 7pm every day and cook for my kid every day. They are just making excuses for laziness.
I dont have kids but when I leave for work I'm gone for usually 12 hours or more. It's not always ideal but I make myself dinner every night. I'm sure your kiddo appreciates homemade over fast food.
God, I hate how the wife talks so condescendingly and smugly about her husband's spending when it's clear that she doesn't know jackshit about spending money responsibly either. Both of them are agonizing to listen to in their own right
He is bringing them down with his irresponsible decisions and her response is to try and drag him down further. These two need to talk to each other more and actual understand each others view. Instead, they just seem to drag each other down like crabs in a bucket.
finally someone who notices it. i completely understand why he doesn’t want to share with her. the burden of carrying all the debt on his name is probably easier than dealing with her. i’m hoping the best for his mental health
Caleb is everyone's UNOFFICIAL therapist, marriage counselor, mentor, financial advisor, and teacher. He might as well get a license, certificate, or something.
This is something I don’t get. He says I don’t trust her in regards to money. Then why get married? Why make a vow to become one if you can’t even combine finances? And this is me questioning it in general not in case of abuse or financial infidelity.
Caleb, most internet providers also charge rent on their routers ranging from $10-20 per month. Buying your own router and modem can actually save you money.
I am legitimately so confused by their dynamic. Why is she asking her husband for what money is available for her to spend like he’s their accountant? Is he physically barring her from looking at the online accounts or statements? If he’s looking anxious why doesn’t she take some initiative and look at things on her own if he’s busy when she isn’t? You would think a woman coming out of a financially abusive marriage would safeguard herself and ensure the money supporting her and her children is available and correctly allocated.
Well the accounts aren't in her name, so yea, he is barring her from seeing them if she is not an authorized user on the card 🤷♀️ she's not responsible for his irresponsibility
It doesn’t matter if she’s an authorized user, providing the login information isn’t something that should be off-limits if they’re a legally married couple and both of their expenses are being paid by those accounts. In Texas she could be found as legally responsible for debts accumulated during the marriage and this is the father of her children and the major breadwinner of the family supporting all of them, she shares responsibility for ANYTHING this man does during their marriage and while he’s responsible for their children too
@@kittenwave so you admit it's on HIM to share the account logins? She can ask day after day, but at the end of the day, if he doesn't share his debt info, that's on him 🤷♀️
He can't finish a sentence before she is blaming him, it seems like she holds a lot of contempt towards him. He may not be successful in all the jobs he is trying but at least he is trying, I think she views him as a failure. If you choose to ignore a situation you don't get to throw blame, if she wanted to know why they couldn't afford a table she would push for an answer.
Really liked this episode. They seemed much more relatable and I would love to see more articulate folks who have gotten in a bad way and are willing to do what it takes to get out. Hope they succeed.
The ignorance of the woman pisses me off.. You can also tell she just doesn't wanna know about the debt and puts her fingers in her ears like a child figuratively. Also the way she looks at him is so degrading
It seemed like she was disassociating at times. I agree that she probably didn’t want the stress of knowing the extend of the debt they had gone into. Mostly because all the household goods are in his name
This woman doesn't seem to care about her finances; she just wants to play the victim and watch her husband get made fun of by Caleb. She seems insufferable.
I’m calling bullshit on the wife. I’m sorry but majority of the crap on his credit cards are for the kids & household, you’re telling me she has no say in any of that? She seems like the controlling mother that can’t say no to her kids so her husband swipes the card (hence why he doesn’t want joint accounts). The husband is absolutely at fault for the cars, sure. But I think she’s lying when she says she’s oblivious to the amount on the cards, sorry 🤷🏼♀️
And her kids are only 2 and 3 years old… very easy to “convince” little kids they want to go to the local playground or library (for free) vs sea world or gymnastics. Wait till they are teens, then they will REALLY “want” a bunch of stuff.
I feel like Caleb is one villain arc away from talking about children like expensive vehicles "to get out of debt are you willing to make the sacrifices, will you get rid of it"
I initially wanted to be on the wife's side after what the husband was saying in the beginning but my god...she just doesn't have a single clue. I'm convinced she had no idea prior to this what the monthly bills were. Literally a child being taken care of.
Yeah it is getting worse and worse as it goes on, she does seem to complement and support him a few times but I can't tell if this is a set up to knock him down.
the husband tried to convince Caleb that an 800 dollar TV is a need. He has a ridiculous list of "needs" and tried to put all the blame for wasting money on her
I don't agree with it at all, but the pay rate for teachers across the country doesn't really foster the idea of "hiring the brightest". I think teachers that are still teaching are pretty brave, but $41k at 35 years old? You can literally work an entry-level helpdesk position for more. Why would someone who excels in all STEM categories WANT to be a teacher when they could leverage their knowledge in a position that requires less overall work, not working with kids, and pays 2x? Again, I think it's awful, and teachers should be paid SIGNIFICANTLY more, but this is the reality of modern America.
@@MattressFinancialLmtd Sorry, no money for educators. The admin who never sees a student ever is getting $200k in the back office and won't step foot in the school. :)
I have kids and I can communicate with my husband and heat up chicken nuggets with some frozen veg on our "mom lazy" days. Also Jesus Christ if I talked about my husband the way she talks about hers I would be divorced.
lol right? My husband would call me out on the BS degrading tone and can see through what I'm trying to do the instant I'd open my mouth like her (and vice versa).
Mine is simple cheese and corn quesadillas with a side of fruit. Takes 5mins with minimal washing up. I love how this is turning into a list of other good ideas when I have limited time to get dinner on the table after work. Also, agreed on her tone. If I spoke to my husband like that, we would not be together.
Caleb: “Don’t be mean to these people. They’re brave enough to come on here, you’re not” Me: *saves my bank statements every month, in case Caleb suddenly responds to my application*
Ahh, the old too bossy + pushover relationship combo. I'm a dominant woman and my husband is more of a "helpful" type of person but you can pretty easily make sure you don't step into this sort of bossy/pushover relationship by checking yourself and checking in with your partner. I hate seeing this 😭
The interesting thing is she said her first marriage was a disaster but all I’m seeing is her run all over her husband. Plus the whole “I don’t have a credit card”, is a little wierd. Your are trying to tell me she never spends on any of them
Make your first payment today! go.melio.com/caleb
Check out today's post-show! It's a long and great one: ua-cam.com/channels/Le_q9axMaeTbjN0hy1Z9xA.htmljoin
Go to meetfabric.com/CALEB and apply today, risk-free!
If you’re ever injured in an accident, you can check out Morgan & Morgan. You can start your claim in just a click without having to leave your couch. To start your claim, visit: www.forthepeople.com/Caleb?s=86%3A4545
I just wanted to comment that my girlfriend has an admitted and acknowledged problem with saving (she tends to go for broke) and therefore I would also admit not trusting her completely with all my money and we do shared accounts, only for regular purchases. I own the house, I have savings and she doesn't. I will never be lured in a situation where my savings are spent by another.
So yeah, why wouldn't he say that he doesn't trust her with the money?
Obviously I have not watched anything of the episode and I somehow assume that he turns out to be the one doing all the spending.
N mung m n 5G
Love the show. For people who need to sell classic or nicer cars, “bring the trailer” is a great online auto marketplace.
I wish I could afford to join and see the post show 😢
I enjoyed this episode the most of any in recent memory!
Much better than a 20 year old who doesn’t want to work!
Much more relatable!
Thank you!
30 min in, and this episode is already a lot easier to watch than the last few. A lot less screaming and roasting the guests, a lot more genuine conversation and trying to understand the financial situation. I'd much rather watch an episode like this than one where there's drama for the sake of drama. Hoping for more like these!
Absolutely agree, last few episodes were tough to watch. This is a great realistic couple to audit
I agree, hands down
100%
Same
Hey shut up all of you.
They don't just need financial counseling. They need marriage counseling. They're not communicating and it's going to blow up on them long-term.
First 10 mins is like. " I hear" n "i understand" like if they were already before this interview 😂
Yeah there was a lot of sniping back and forth, taking them at their word that everything else is good and this is just a high stress part of their marriage, maybe this is the worst it is…🤷♂️
@@agm65ccipI saw most of the sniping going one direction so far at 30 minutes in
This Dude is miserable with her. You can see it in every move and expression he makes. A year from now their finances really will be separate because they'll be "separated".
@@Andrew-xc2qi they're parents of two toddlers with no sleep. This is what that looks like.
A Math teacher that has no idea about her accounts and a Executive Chef that can't do meal prep for his kids.
America is doomed by these standards 🤦😳😭
Ohhhh hell nooooo he’s a chef and still doesn’t help make kiddos foods. For the love of gawd.
Knowing how financials work and doing math are quite different. Now the chef situation.... *gasp*
@@ananda1044 clearly only interested in feeding others, not like his actual responsibilities 😕😔
@@melw5834 There's a difference, but, there's also a difference with me, not being a Math teacher or an accountant yet I'm Financially stable with only my Mortgage as a debt that's being paid on time. Her, on the other hand, has an advantage with numbers and all. 😁
This lady really thought the median household income was $174,000/year across the country. 😂😂😂 You’re only about $100k off!!
She may have meant the median for Long Beach where they moved from.
@@jaes1346That was a whopping $78k. I'm sure there are neighborhoods that have that as the median income but pretty much no large area would have a median income that high in 2024. With inflation, it'll happen someday but not today.
Simple mistake, though. They spend a lot (mostly on stuff they need but they have high rent) and she clearly is outside of their finances so it's possible she really thought they make significantly less than other households. Having less discretionary money isn't the same as making less than everyone but it can feel that way.
The older I get the more I realize just how stupid the average person is. I've been over estimating other people my whole life.
@@jaes1346 Long Beach is largely working class and CA version of poverty. Only a few nice neighborhoods.
She's delusional and blames it all on him. She clearly can't handle any financial responsibility at all.
Omg a REAL episode? This THIS is what we want. Actual people who actually CARE to be there. Best episode in ages.😊
Not me. I want to gawk at freaks.
agreed
Calebs Outfit:
Financial Audit by day.
Retro skating date by night.
he just needed to pop that collar fr 😅🕺🏻
Bowling league actually
Debit card in the streets, credit card in the sheets😂
I'm getting Mob Boss vibes
All day! All night!
her comment "we just got paid" explains her whole mindset in 4 words
Exactly! I caught that too. Even though she claims to not know how much debt they had, she still knew that they had a lot of debt, but when they get paid she seems ready to spend.
I agree! Seems to be she’s stuck in an immature mindset where the actual bills like responsibilities such as utilities, rent, car and food, etc aren’t things she wants to spend the paychecks on. She just wants fun and material things. That’s how someone young with their very first paycheck might act because they finally have a little “fun” or spending money, not a woman who is married in her 30s with two children. 😅😂 Sure, even the day I get paid first things prioritized are BILLS and LIVING EXPENSES. I don’t say oh I got paid so I’ll go blow it on fun.
I was confused re Caleb's comment that she spent $1000 more than she brought in. How? No credit card. Did she overdraw her account by that much?
Bingo! Anyone over the age of 20 that says "when I get paid" is clueless as to how any of this works.
@@shaeetso most people on this show and i bet the majority in the comments
Let's be honest. She doesn't WANT to know. The less she knows, the more she can spend guilt free. She went on and on about how she doesn't get "told" things. Okay, how about you take initiative and look things up?!
Haven’t finished the episode and you wrote exactly what I was thinking 😂😂
THIS
She won't spend guilt free, she'll get her husband to do that. And then brag that she has no debts meanwhile most of the irresponsible purchases are her idea that she eggs her husband on to buy.
Eh, it is both. She doesn't want to know and he takes full advantage of her selective ignorance.
They’re in his name meaning she can’t unless he gave her the sign on info and he seemed reluctant to even tell her how much debt they were in
All of these couple audits really help point out the fact that adults need to have adult conversations about finances BEFORE they enter a marriage and to continue these conversations on a regular basis.
I can’t imagine being this clueless about the finances of my household.
At 35 is way worse too!
Agreed!!!
I would agree, but people change over time. I had a relationship where we were talking about marriage and I got lied to about her debt. I later found out her parents bailed her out of credit card debt twice and she had racked it up again. The bad thing is that if one part of the couple racks up debt you are already married. At that point you either help bail out the water or go down with the ship. You can jump ship but you still end up having to help and take some of that debt. This is why finances is why the number one issue that causes divorces. Counseling can only do so much when you are already in the boat.
@@Dr.ShadowlightZ2 I probably should have said “willingly clueless” because she seemed ok with just going with the flow, not really insisting on budgeting conversations.
What you brought up is also terrible, if someone is not willing to be honest and is straight up lying to you that’s another story. That sucks you got dragged into that, I’m sorry. That could absolutely be a nail in the coffin of a relationship.
*Mental note to myself, another reason for a prenup…
What spouse or partner accepts "we are in a lot of debt" without asking an exact number. She kept herself in the dark of the exact number.
Then she says what she guessed it was? Why did she never ask numbers?
And if she didn’t want to know, she still should have been careful with their spending and changed her ways
I just got to that part. She said "You told me we had a lot of debt but if I heard the amount it would have been different" LOL ok lady
Yes🎉🎉🎉
She comes off pretty condescending and self-righteous… he is a bit weaselly…. If she doesnt ask the specific amount… he should say… “i dont think you understand… its $30000”. It all comes back to the beginning where they dont make time to sit down together and communicate. Caleb springer is right
A house will feel like a "home" because you have a good marriage and are great parents to your children, not because you have specific furniture...
Yes😊😊😊🎉
Absolutely. My childhood didn’t revolve around my shitty tv and tv cabinet
Nailed it
Caleb: "IKEA, IKEA, IKEAAA!"
To be fair I feel like this is more about her not knowing the situation and thinking why not? She is nesting while not knowing the total situation.
I really enjoyed this episode. Its a bit like watching old episodes of Kitchen Nightmares for me: less screaming and overreacting/drama, more real advice and conversation.
Your Financial Audit series actually helped me change my life a fair bit, I'm 23 and live in the UK. Things are very different here, but I was in a bad cycle and living a payslip behind using credit cards, with a car loan and no savings. I'm now debt-free and saving 40% of my income, which is only set to increase. Thank you!
More excuses. I think there is zero chance they will change.
The fact that Caleb Hammer doesn’t have kids but always factors them in like it’s priority #1, massive respect for that alone.
He was once a child whose parents weren’t the best with money.
I don't have children right now because they would be my first priority and I got extremely sick and had to adjust first. I'm getting better and have reconsidered my ability to parent.
I dont have kids. The reason i dont have them is because i know they have to be #1 priority.
Too many people have them without knowing this.
I think most people, childless or not, realize that children are the most important thing to take care of.
Caleb - I’m training as a marriage and family therapist and am consistently blown away with how well you do with couples.
This is so embarrassing for her. She has $1000 in retirement and thinks her financial score is an 8??? Wild.
Probably thinks she's a 10 in the looks department also 😂
@@Benedict00_ItchyMankotf does that have to do with anything? yall just yap and insult people on this app
@@Benedict00_ItchyManko go away.
@@Benedict00_ItchyMankoyou're either 10 years old or single. Which is it?
I'm only a few minutes into this but I don't see how she'd only have $1k in retirement. That is if she's a public school teacher, most have a pension.
A grown woman, mid thirties, married with kids claims that she doesn’t know about her finances because she has “not been told” about it? What about taking some responsibility and find out yourself? Why is that burden placed solely on the husband?
Because it's easier to not think about the looming doom and just say "I wasn't told" when in reality you didn't want to stress about it.
Or, the credit cards are in his name and she doesn't have access to them.
She has to find out about his bank account from him. How else would she be able to find out?
especially considering they have separate finances...
All women want to be held, just not held accountable.
YESSSS! This is my favorite episode! Very “normal” or “average” mid 30’s couple, I am INVESTED in this episode! A very mature conversation. Hope to see more like this in the future. 🙌🏻
Thaaaaaaank you for finally putting normal people on. I have skipped so many episodes lately because the people are more like delusional cartoon characters who aren't serious about their lives at all
These are scheduled like 3 weeks out lol
You know those "characters" are people. That's how some people are. What is he supposed to do? Say " don't apply unless you are 100%mentally stable and behave exactly how this lser named @meanmugging expects you to?"
Get over it lol
@calebhammer
While yes, these are scheduled 3 weeks out,that doesn't change the fact that the past few weeks of episodes were absolute garbage, and many people skipped them.
If you read your comments you will find a HUGE portion of your audience does NOT want the clown show guests you have on all the time. Having a circus is ok in moderation.
@@CalebHammerweird response to this comment. Come on Caleb, listen to the concerns & criticisms.
DOORDASH, DOORDASH, DOORDASH!
The scream I scrumpt when she said EIGHT?! Caleb has never given out anything more than a 5 😂
scrumpt! 🤣
I think he gave a 7 to that OF streamer who makes $2 million per year. 😂
Edit: I've been corrected a couple of times that she got a 9. It's Caleb himself who has a 7. Have a great day, y'all!
@@thebosshouseshe made 2 million/month
I had an involuntary “WHAT” come out 😂
@@thebosshousehe gave her a 9
You really only need to do food prep for the kiddos until they are like 10 or so, then they can start packing sammies and stuff for themselves. Just remember, with kids, EVERYTHING is temporary except the values you leave them with….
Exactly. I love that last part! Such a wise quote! Thank you. 🙏
Oh my god what a quote at the end. I think I needed that lol
Right and they don’t each much solid food at like 2 ans 3 years old
big red flag: whats the problem we just got paid
that implies you're OK living paycheck to paycheck, or you acknowledge that you live paycheck to paycheck. living that way is nowhere near an 8
Living paycheck to paycheck is at max a financial score of 1
Also lady thinks the median household income is over 100k and thinks every kid in school should have free lunch. She has no idea how the economy works.
My fridge has had Tupperware on the top shelf for 12.5yrs. I have the money to replace it. We're not paycheck to paycheck. But it works and I'm not replacing it until my 6mo savings is back up after my husband was off 6mo following 2 shoulder surgeries. Hearing this blew my freaking mind.
@@shuheihisagi6689they should. Shame on us for not just feeding all the kids. We need to get our priorities right. My governor cut school lunches but gave millions in tax cuts to FB. Who never showed up w the hiring promises they made.
@@shuheihisagi6689The median household family income in Austin *is* over $100k… that’s mentioned in the video.
More episodes like this!! Less drama, less stupidity. They seem like they are trying but totally lost. The generation that went from college to recession to COVID to parenthood needs Caleb!
She is WILLFULLY oblivious. She knows she's not bringing in that much so she chooses to ignore all the dumb decisions he makes so that she can live how she likes and feign ignorance.
Yup, she is. Not knowing what he is doing means she has no responsibility. She could've insisted that they sit down and talk budget and specific figures.
As a woman who used to live like this…you’re right. To be fair, I felt a lot of pressure to live like that and I think a lot of men like it bc they want the freedom but eventually you just have to grow up and dive into your finances and make damn sure they are where you want/expect. You cannot depend on someone else like that in life. Even if they’re dependable, you still need to be involved in your finances.
Edit: I got married at 19 and by like 23 I realized I needed to be a bigger part of our finances. Having kids and not knowing your finances is even wilder.
@@deirdrekiely6187 Don't judge, sometime as a wife we try to just avoid it. We know it not smart but it better than dealing with a fight with my husband esp with kids. Not everyone situation is perfect.
Obviously they are both at fault, but the fact that she didn't even know how much her phone cost?? Yeah, she's at least somewhat willfully ignorant.
And act self Righteous about it putting all the blame on him. Absolutely wild.
People think that marriage is where everything is perfect and relationships are easy, but this is the real stuff. Marriage and finances are tough, and having conversations like this is so important, especially way before it gets to this point. Great episode!
The way the wife sweetly throws her husband under the bus is a spectacular. You barely even realise she is doing it because of how nice her tone is.
Oh no, we realize it. It’s teachers who have this passive aggressive way of communicating that slowly eats away at people and cause them to unalive themselves at 35. Unbelievable lack of self-awareness but knows how to put everyone else down. Worst kind of person imo
Literally just wrote a comment saying this. This dynamic makes my stomach hurt 😭
Just always interrupting everyone just to say things like "I know" or something else unneeded lol it grates my ears
My thoughts exactly.
Wow, and he hid a car loan at 20+% interest from her. This dude is someone I’d throw under the bus… he deserved all the bus throwing he got in the episode.
She's so pleased with herself "I don't have any debt." YOU'RE LETTING HIM SHOULDER EVERYTHING. I feel so bad for him.
Exactly...just because it isn't in her name, she acts like she didn't contribute to it. She's insufferable.
Yep. She rags him into buying some crap they don't want and can't afford. Even if he said they couldn't afford it, she rode him till he bought it. Then she sits smugly when he's in debt and not her. It was both of y'all. Y'all's is both broke and in debt.
She knows it won't be her problem in the divorce. Poor guy 😢
One of those cards is him trying to do real estate...he did that not her
But she should realize it is also hers
@@Quinteraoceana That would depend on the state and premios. If they were to separate, they'd still split debts and money 50/50. This separate accounts thing isn't protecting them they way they think it is.
8k out of 10k saved for the emergency fund. Almost there and excited to start investing! Thank you Caleb for your work. Now couple audit time
Hell yeah!!! Congrats on your new safety net!🎉
@@Penukiethank you!!!!
INCREDIBLE JOB
Awesome!
🏆
I have 6 six and one thing I had to remember when they were young is that their expectations are small. One year we went out and bought my kids new school clothes and when the first day of school came around I told my oldest to go get his "favorite shirt" and he pulled out last year's shirt. It made me realize that I had purchased those clothes to impress the other parents, not my children.
She has major teacher tone. It's amazing how they believe they know everything while simultaneously not knowing much at all.
Lmao it’s that joke…what education do you need to teach 8th grade? You just need to have passed 8th grade lol.
I had to stop dating teachers because this was the norm. Trying to tell you what to do all the time and no concept of finances.
@@michaelmcnulty8785 a wildly inflated sense of their intelligence and understanding
You nailed it.
God, yes.
If there's anything we can take away from this episode, it's that bringing Caleb snacks will keep him from raging in the first 3 seconds.
He gets hangry
They can't even afford mcdonalds without over drafting, how do you expect them to buy him snacks
😂
😂
This couple impressed me by their willingness to be open about their situation. I hope they are a success story in a year or two and show they committed to making their lives and their children's life better.
It amazes me how many of these couples feel like this is the first time they're really discussing their finances with each other.
How have you not sat down and said this to each other, or even a couples therapist, before ending up on the show? Boggles the mind
Sadly, most couples avoid the subject. It's like they have ostrich syndrome. They figure if they don't look at it or address it, it's not an issue.
Yeah I have a friend who refuses to speak to her fiancé about finances. I believe her other half is in relatively good shape but it's still a terrible idea to ignore the subject before getting married
I think a lot of couples are afraid to discuss finances with each other because it can quickly devolve into a blame game and argument (not saying it's right, just outlining what I think stops most couples from talking about it).
I know my husband, when we were dating, was extremely cagey about talking about finances because his family had told him that talking about money ruins relationships (yes, really).
@@The_Letter_M You husband's family was probably right, the qualifier is that if talking about finances leads your relationship to fail then the relationship probably should fail, just like the thousands of other legitimate reasons relationships don't work out.
You should be with someone you can be open with, which again, astounds me that people MARRY when they are scared of talking to their spouse
I'm so glad my fiance and I are not like that. The best thing is finding a partner who will strategize with you and make a solid plan so you can weather the ups and downs of life together. Everyone who gets married needs to be aligned on financial goals and plans. That's the most basic standard everyone should have.
This lady saying we don’t have an inheritance. Like ma’am please stop. What an excuse
The lies millennials themselves
@@Quinteraoceana Not just millennials! I've heard people of all ages say that they never got an inheritance and that's why they didn't get rich. FYI: I'm a boomer, never got a single cent in inheritance, came late into the workforce, and have worked up a secure retirement without ever being a high earner.
I know a number of people who frequently complain about not having large sums of money to look forward to when their parents die. One says, "Oh, but all of our neighbors are going to inherit millions" which I doubt. But what an entitled/elitist way to look at your life.
Agreed. I grew up in homeless shelters and projects. So at poverty line. I’m now upper middle class…I jumped 2 socioeconomic classes in one generation, that’s such a cop out. 😒
@@87Strong Good job!! I think it's interesting that we are the ones watching Caleb Hammer.
Ma'am. Your 3 year old is not asking to be in an expensive gymnastics class. Get her a leotard and a tutu and a ribbon twirly thing, put on some classical music and let her go HAM in the living room. When she's 5 or 6 and can actually express the desire to be in a sport, ok! But minimize your schedule as much as possible until you can get your feet under you again.
Parks and Recreation T-Ball when she’s a bit older. Y’all need to research free and low cost activities.
THIS! Or, if they insist on the social aspect of it, put her in a cheaper sport for the time being! Most communities have little soccer leagues for much cheaper. Where I am, players get steep discounts if the parents agree to coach as well
When I was three, I was signed up for ballet and tap dance classes. I didn't actually want to be a ballerina, I wanted to walk on the balls of my feet. Kids at that age aren't super articulate at knowing what they're saying they want. Save the money, just get them gear and let them watch tutorials on the tv
@@Victoria-pr4xemy dtr just wanted the tap shoes because they made NOISE
Exactly...I had no concept of what gymnastics class was at age 3 and I had a fabulous childhood. Kids literally think cardboard boxes are fun, it's beautiful.
I am a mental health RN and love your stuff. I have been watching about a year and I think this was your best work yet. These two clearly need help but also seem reachable really hope this works hope to see many positive follow ups.
I don't think she's not being told about the financial situation, I think she's not listening.
She literally turned into the teacher from the Peanuts when she explained the financial discussions they do have. She just doesn't listen and then claims to have not been told 100%.
@Thaxannadrote for real. "Then he tells me we can't afford this cause blah blah blah blah blah."
I think it's more a combination of both. He doesn't really try to explain and she doesn't want to know.
Bingo.
Agreed. She says their an 8 then immediately gives a story of how he told her they only have $30 for the month.
He might not be explaining things perfectly either but this dude is not giving her the vibe that they are chilling financially.
She speaks to her husband like he’s one of her third grade students.
Many teachers and mothers are like this. They proclaim themselves the "boss" of their captive audience children and then carry that attitude into all situations. It's obnoxious.
I know numerous teachers and every single one of them are like this.
the self importance and lack of accountability is infuriating
so glad people are noticing this. i can totally see why he doesn’t like to share finances with her and just takes on all the burden.
It's making me lose my fucking mind lol
If they had a nickel for every time she interrupts him, they'd be out of debt with a fully-funded emergency fund. We all know manipulative people like this who are unaccepting of criticism and have to control the narrative at all times.
Her past marriage she didn’t keep track of her finances? But she’s doing the same thing now? Playing the victim doesn’t make you innocent
Gymnastics for the kids - mental gymnastics for the adults.
This is an underrated comment
And the kids are 2 and 3 😮
@KimberlyMeyer-ri1is I was wondering that too. Kids are still getting potty trained and were getting them to do cartwheels?
@@Felicia2024Xl agree with the 2 and 3. Take them out for the next 2-3 years and save that money towards the fund. Let them restart if they want to when they get a bit older.
I think it's great! There's toddler tumbling and Gymboree kind of stuff, great for motor skills, socialization, being in a learning environment. They can definitely afford it, that's the sort of thing they should be prioritizing as a family over stuff like takeout and SeaWorld.
Your 3yr old does not need gymnastics if it’s causing financial and family stress.
i cant believe people put their kids in gymnastics instead of music or saving for college. lunacy.
Did I hear correctly it is both kids? The two and three year old? I am a toddler mom I GET wanting to give them everything but at that age it just isn't necessary.
@@grreeeeeemusic can be expensive too
5 is the youngest any kid should be in organized sports tbh. They're barely sentient before that 😂.
@@SpiderFan3000 exactly!
Her playing the ignorant card after 7 years of marriage is wild. She is WILLFULLY ignorant. And how TF does he owe $4k on a 98 Cherokee?!?!?
Because she thinks furniture is a need. Literally all you need to know about her.
Bro the jeep 😂😂😂😂😂😂😂
Whole relationship cooked 😂
That old financed jeep is wild. Wtf would even offer payments on something so cheap. Predatory car dealerships are the worst.
Is she a real public school teacher or some kind of daycare “teacher”?
Will she not have a pension?
the fact that she kept interrupting and deflecting was bothering me SOOO much
Poor chick, she really bristled at the word "ignorant" but Caleb meant no harm by it. It's just literal ignorance of the truth of the matter.
Yeah, "ignorant" is the kind (more correct) word vs "dumb."
She was ignorant about what 'ignorant' meant
I feel because a lot of children used that word as a synonym for dumb and that's the environment she's around every day
Yeah, people don’t realize that ignorance isn’t inherently bad. You not knowing something is not bad so long that once you are aware, you try to learn and be better
Nothing wrong with the word. Nothing wrong with being ignorant but when information is presented-learn from it!
now THIS is the financial audit that got me to subscribe. Please do more of these where its real people and not clout chasers.
It’s night and day difference when the guests are trying to make life work versus “manifesting” their delusions
This was the type of audit we wanted. Normal people just making dumb decisions. Such an easier watch
You think these are "normal" people!?
@@justinb4830 pretty average yes
@@luvinchocolate it's not normal to be married to someone for many years and not know eachothers expenses and liabilities. These people are insane. That's not even going into the other strange behaviors they exhibited just on this video.
Insane? No
Need a sit down? Yes
@@justinb4830 Maybe not healthy for a marriage, but after watching many financial shows. Its common
Very glad we’re back to this version of Caleb. The last video scared me.
Now I can share with y’all- I was finally able to refinance my car out of a joint loan with my soon to be ex husband and move my death interest credit card back up in priority for my snowball.
Honestly before watching this show, I never put into perspective how detrimental interest rates are to finances. I was charged $353 in interest alone on that card last month and was at one point only paying the minimums of $575 for a while when I was unemployed. Then piling more back on to buy necessities.
Very happy to have a better perspective and be in a position to really chip away at my balance 🎉
Awesome! Best part about this is that you will not let yourself to be in such a hole in the future but if life does happen, you have the tools and mindset to get out of it.
I love that you mentioned snowball shows you’ve been not only watching but applying this action (snowball smallest debts first creates habit vs avalanche biggest debt first) I would say good luck but it’s not luck it’s hard work so well done. I’m doing avalanche on a debt big enough to live in 😊
Wanted to check in and see how it's been going since this time yoy commented. 🥰
@@jamesvandehey9236still making progress! The credit card I mentioned is paid down significantly and I’m not getting hit with SO much interest every month anymore. Currently looking for a side gig to pay the card and my car off even faster 🤗
Good for you! Keep it up!
thats crazy that lady thought 175k is what most people are making lol
While also thinking everyone is broke, make it make sense
She probably saw a statistic that said 75k and a local statistics that said 100k then combined them in her head
As a household to be fair
She probably read the Yahoo finance article about middle class Americans that earn between 52K-175K and instead of the median income she thought of the highest amount you can have as a household to still be considered middle class.
You could see her brain panic after the correction - I read it as “whoa, we’re in a bad spot and don’t really have an excuse compared to other people”
Not being involved with the finances so you can play innocent is a choice. A poor one, but a choice.
Yeah, she's 100% being willfully ignorant
I hate it when people try to negotiate what wants and needs are.
It's so childish and infuriating.
Literally, if it's up for debate - it's a want. You can't debate or try to decide if food/housing/water is a need - it just is and you know it is.
@@Oliviaandtrina I assumed when she was discussing furniture as a need she meant for mental health, like having beds.
@@LReid-nm2pcshe talked about getting a console table to put behind the couch so she could put pictures on it
@@exqueue3813 that's why I said " assumed". When the conversation first began, I thought she was talking about things that actually mattered. She wanted a table and he thinks an 800 TV is a need. They are doomed
Yes.
I don't believe a word that lady says... she knew abt the amount of debt they have. And the reason she has no debt is bcs all her 'wants' are on his CC
She thinks they are an 8 he thinks they are a 1. Oooh we got a good one
She also thinks the median income is $175k... bless her heart
Let me tell ya with an engineering degree, 1.5 years experience as an operator and working with the lead Process engineer at a major tech company - I wasn't making 175k/year out of uni.
I must have messed up in my application process xD.
Tik Tok really dilutes your brain...and I'm a 30 year old boomer saying this.
@@baconoftheark I hear that. I’m also a ME in the Bay Area in CA. I have a senior position at a really well known company out here and I’m not making 175K. Students with the expectations of making that much straight out of college are in for a big surprise
😮 😊😊😊😊😊😊😊😊😅😅😮😮😊
Shout out this couple. They arent extremely in denial and they seem like they want to be in a better situation. I hope they can improve their situation.
Lmao what? The wife is totally delusional
She’s clearly let him carry the burden of the finances on his shoulders. I don’t think it’s fair of her to sit here and use ignorance as an excuse for why they are in this situation
I knew stay at home women whose husband's took full control of finances and would give their wives an allowance. 😂 😂
The wives were perfectly happy with that.
@@catholicfaithofmine2664yeah and that system of "one person handles the money" works if they actually know how to handle the money, which is not the case here
@@catholicfaithofmine2664she’s not stay at home tho
And she's a math teacher too. You'd think she'd understand the financial basics at least.
My husband and I have separate checking accounts, and share a savings account and each pay different household bills- for us, it works- but it’s not a trust issue.. if you are married you don’t need to combine everything but you DO need trust. The money that comes into the household is still shared money, it’s still “our” money, but if the bills are paid and money is being saved and invested- my husband doesn’t need to ask me to buy a video game, and I don’t need to ask my husband to buy a pair of shoes- we trust each other to keep the house running without having all the money in one place.
Same. 🙂
That's how we do it too. Shes told me before she thinks thats why we have such a good relationship. We don't have to try so hard to hide our bad habits from each other hahaha
If it’s still “our money” why have separate accounts? Is it because you didn’t budget the shoes and video games and don’t want to argue about it?
@@MC4TWTdon’t have to hide bad habits from each other? Maybe it works for you but I hope you’re further ahead in retirement savings than the guests are for their age.
@@YIWOTY it was a joke, but it's the same as budgeting for spending money, but splitting it so you can each spend your half the way you want to, when you want to. I have cards for her account and she has mine. But if I wanna go buy some hash, I don't wanna find out my hash budget has been blown on craft supplies or seasonal decor.
Only 22 mins in and she wants a table for behind the couch and they can't afford it, but they are making homemade cutting boards, Why not make the table with the supplies you have?
She wants a table for their home with their children. He wants to keep a 1983 mercedes for...looking for a reason...hmmm...still looking...
In Spanish they say, in the blacksmith’s home they use wooden spoons!
Exactly
@@heidiortiz9352same saying in Portuguese!
A table is just a cutting board with legs.
It is so refreshing to see an episode with people who are not just dumb and impolite as well.
Just in a bad situation, but still polite, listening and taking in advice without pushing back. So refreshing and so much easier to relate to and actually get something from.
Also need more couple ones, I’m in a serious long term relationship and live with my SO, which makes it interesting to understand better how to manage finances in a relationship.
Anyway, please more of those Caleb, simple, realistic, polite and listening people
i disagree that they didn't push back. every "but" was pushing back and justifying.
I agree, it is nice to see that they listened. We will see if anything positive will come of this. I want to see more follow-ups on these cases.
@@stuff1784 very true. In that regard I’ll agree!
This woman is insufferable. Her husband can barely get a word jn edgeways, has worked 2 jobs and she can't be bothered to make sandwiches because she's "mom tired" while having 2 months per year off work. The way she looks at him is vile. Get out while you can, son!
With 2 kids already? Yah, that'll be easy.
Too late. Soy boy is doomed
Too late. He’s doomed.
@jesush9940 she cant make a sandwich or get an evening job when he gets home from work? Sure OK 🙄
This dude needs to run away. I was in this situation 11 years ago. It was so bad, leaving was the only option. Today, I’m much better and I’ve never been happier.
"I You I You I You it should be fucking WE guys" damn they came for a financial audit and recieved marriage counselling 💀
I dont understand why husband is being dragged for not meal prepping while wife sits there looking pleased with herself. He is the primary earner and has the side hustles. Is she incapable of making sandwhiches??
i kinda agree. She has a slight attitude that rubs me the wrong way at times.
Because she’s tired! She’s a teacher! She’s a mother! She didn’t know about the debt! She’s starting from zero (yeah, she started 20 years ago, but whatever.) This is sarcasm, by the way.
AMEN
Kids
Because he is the chef? lol Caleb said it right there
The wife needs to get a reality check, she’s so obnoxious acting high and mighty when her husband is the only one putting in all the efforts and trying to fund her lifestyle.
I can’t believe he said his needs would be viewed as wants bc he’s a parent and needs to give his 3 year old & 2 year old a happy childhood and the first example he gives is a television. Bro wut
Right?! I was expecting extracurriculars or travel or anything else besides effing tv🙄
Not just a TV, AN 800$ TV. Delusional.
✨️ Justification ✨️
And it's an OLED he bought that shit for himself lmao
@@droid2D2C3P0my jaw dropped when they said $800 and OLED
A caution to married couples keeping their own checking and savings accounts. Please put both spouses names on the accounts. My sister and her husband kept separate checking and savings accounts . Her husband passed away several months ago and the estate is still in probate. She has no access to his money and the estate wont be probated for another few months. If she had not had her retirement and savings she would have been in a bad financial situation. They shared house hold expenses and she has to manage on her own unit the will is probated.
Add your spouse (or someone) as pay on death beneficiary and they literally cut a check to the beneficiary when presented with a death certificate.
With the divorce rate, I disagree. One person can wipe the other in no time. Better with the recommendation of the person above
Lmao that's my actual point. Money goes to the kids not the spouse.
Womp womp he did that on purpose too
@@gladlock That's illegal. A judge will order the money to be returned or you'll go to jail.
Ok, right off the bat, your current husband IS NOT YOUR EX!!! You projecting your issues onto him isn't fair
Then later on, we learn he’s not much different.
he wishes though, for sure.
@@Mama2CDHsurvivorhe’s muchhhh different than the ex. A 65k a year difference dummy
I thought the SAME thing 😅
He’s doing to same to her not trusting her w finances and blaming her for his spending habits
I can see why her husband doesn't talk with her. She doesn't listen.
She has an answer for everything.
Snarky California woman vibes. She's 35, watches tiktok, and uses cringe zoomer slang like "the ick"
@@YouMissedBro Haha, but she's around kids all day. She can't help it lol.
@@MPPG663that’s what I was thinking. She talks like a teacher. I’m sure the California culture weighs in too tho. They love to talk over there
@@YouMissedBroi was just thinking right away she gave me Karen vibes. Snarky and combative. She seems exhausting and that’s why he doesn’t talk with her.
35 with 1k in retirement and a $800 TV.
And that TV could have paid for one year's worth of their kids gymnastics classes.
Is oled doe
There is just no way they are 35, try 45 lol
They are THIRTY-FIVE?!? Are you serious?!? Lol I guess I missed that at the beginning. Good lord they look rough for 35. Aged horribly. Remember folks, use sunscreen!
@robh1961 everyone caleb has on looks 10 years older than they claim
What's really sweet is that she is clearly his biggest cheerleader and loves him. She trusts him way more than he trusts anyone.
Definitely enjoyed this one more than the last few very drama filled episodes.
It was great to see this couple admit faults and shortcomings, staying humble and open-minded, and willing to work and sacrifice to get to a better place.
This is quality content.
just wanted to say this couple seems real, and they seem like they actually care about each other. i like that.
Oh we looooove a couple audit!
YESSS
@@CalebHammer Calm down bro😂
@@jovinmathew4181😂😂😂
Agreed. More couples!
@@CalebHammerthere is a guy that dose your show and he sucks. He will never be you
The joy on this woman’s face when her husband is getting in trouble is unsettling
She can't go 38 seconds without interrupting him. He has become inured to it.
With a wife like that who needs enemies
I was looking for this comment, it was breaking my heart when he took the blame for the credit cards. There’s no way she doesn’t use one of his cards.
She's unbearable
Women live to watch their husbands get dragged.
Why is nobody talking about Caleb telling her not to buy the $2.70 lunches from the school? That is an absolutely fantastic deal. Am I wrong?
It's a great deal, honestly. The district I work in they're $4 each.
Thats stupid. It what u pay fpr a nice cheap meal by yorself.
Because they are ass American school lunches are normally literally just prison or hospital pre packaged food
Not even 10 minutes in and this is a much better episode. Caleb is trying to help instead of roasting and yelling. This is more like the old episodes, we need more supportive Caleb!
So I’m getting married in October. My fiancé is the bread winner and pays all of the bills. I buy groceries and have a few bills here and there but nothing crazy. Yesterday we had an hour long discussion about finances and it was great and very productive. I have a little bit of credit card debt that has been weighing on me and even more so because I’m not the one who caused it. I was hoping that the person who did cause it would step up to the plate and take care of it, but it’s literally been dragging on for years and I’m just over it. So yesterday I went to my fiancé about it and we came up with a plan to tackle it so that I can put it behind me. I’m very happy to know that he and I can communicate about finances because I know that it can be hard for couples.
You pay that debt off and you will buy yourself some peace of mind
Ooo October wedding! GOOD LUCK!!
Good luck. As a married woman myself, when I did get married with my husband he had a car that wasn’t paid off. So, to avoid him constantly paying into the interest of it, I paid his car off after we got married. We also had our finances like you. I did not pay rent but I did some bills and groceries. So it allowed us to save money. It’s better for the whole family (as you and him are now a family 😊) if no one has any debt and you guys can save towards your goals and retirement :).
Best of luck for your marriage! Congratulations
Well done
$800 TV (financed). $1,200 in retirement.
Wow
I recently found a used TV for $10 that works just fine.
I paid $300 for mine. Name brand, HD, even 3D, energy efficient, 43” (I wouldn’t want bigger) and I’ve had it for nearly 10 years. Quality is absolutely fine. An $800 TV is not a need.
@@muirgenmonet Mine is the same size and it's a SmartTV 4k, just under 400€. I can't understand how they justify paying double with the amount of debts... poor kids
@@muirgenmonetNo TV is needed...
As a parent, she is making excuses about cooking. I get home at 7pm every day and cook for my kid every day. They are just making excuses for laziness.
I dont have kids but when I leave for work I'm gone for usually 12 hours or more. It's not always ideal but I make myself dinner every night.
I'm sure your kiddo appreciates homemade over fast food.
She's a teacher...she's home by 5 every single day
God, I hate how the wife talks so condescendingly and smugly about her husband's spending when it's clear that she doesn't know jackshit about spending money responsibly either. Both of them are agonizing to listen to in their own right
He is bringing them down with his irresponsible decisions and her response is to try and drag him down further. These two need to talk to each other more and actual understand each others view. Instead, they just seem to drag each other down like crabs in a bucket.
@theknightikins9397 I think they need to talk less. As in, they should just split up. She is so condescending, I don't even think she likes him lol
finally someone who notices it. i completely understand why he doesn’t want to share with her. the burden of carrying all the debt on his name is probably easier than dealing with her. i’m hoping the best for his mental health
“Do you, Laziness take Arrogance as your lawfully wedded spouse?” 😂
@@A.B994 Wild how you assumed who I was referring to… 🤡
HONEY!! FINANCIAL AUDIT IS ON!! Woo hoo!
😂😂😂
A voile edition, this is going to be good
Bad communication has started wars. People, please please get help if your communication is off in your relationship.
Not her trying to discredit Caleb’s knowledge by asking him if he has kids 😤
"how much was my phone???" im a little flabbergasted at how little she knows about things that are hers. honestly it doesn't seem super fair to him
Caleb is everyone's UNOFFICIAL therapist, marriage counselor, mentor, financial advisor, and teacher. He might as well get a license, certificate, or something.
I've been saying this for so many videos now. Go ahead and become a LCSW, Caleb. 😂
This is something I don’t get. He says I don’t trust her in regards to money. Then why get married? Why make a vow to become one if you can’t even combine finances? And this is me questioning it in general not in case of abuse or financial infidelity.
99% of the marriages the wife spends like the US gov't.
@@FabiWannbased on what data?
@@FabiWann i wouldn’t say it’s 99% haha but women tend to spend way too much, my husband is lucky I grew up poor so we’re both pretty frugal
The wife also brought up past marriage joint account issues. They for sure should have seen Caleb before getting married and having kids together.
@@Monae6890again based on what data?
This wife is so disrespectful. Holy cow.
Caleb, most internet providers also charge rent on their routers ranging from $10-20 per month. Buying your own router and modem can actually save you money.
I am legitimately so confused by their dynamic. Why is she asking her husband for what money is available for her to spend like he’s their accountant? Is he physically barring her from looking at the online accounts or statements? If he’s looking anxious why doesn’t she take some initiative and look at things on her own if he’s busy when she isn’t? You would think a woman coming out of a financially abusive marriage would safeguard herself and ensure the money supporting her and her children is available and correctly allocated.
have the exact same thoughts. She's deliberately keeping her head in the sand.
brought to you by illustrious ✨gender roles ✨
Well the accounts aren't in her name, so yea, he is barring her from seeing them if she is not an authorized user on the card 🤷♀️ she's not responsible for his irresponsibility
It doesn’t matter if she’s an authorized user, providing the login information isn’t something that should be off-limits if they’re a legally married couple and both of their expenses are being paid by those accounts. In Texas she could be found as legally responsible for debts accumulated during the marriage and this is the father of her children and the major breadwinner of the family supporting all of them, she shares responsibility for ANYTHING this man does during their marriage and while he’s responsible for their children too
@@kittenwave so you admit it's on HIM to share the account logins?
She can ask day after day, but at the end of the day, if he doesn't share his debt info, that's on him 🤷♀️
He can't finish a sentence before she is blaming him, it seems like she holds a lot of contempt towards him. He may not be successful in all the jobs he is trying but at least he is trying, I think she views him as a failure. If you choose to ignore a situation you don't get to throw blame, if she wanted to know why they couldn't afford a table she would push for an answer.
I agree, being ignorant is not an excuse here.
Really liked this episode. They seemed much more relatable and I would love to see more articulate folks who have gotten in a bad way and are willing to do what it takes to get out. Hope they succeed.
The ignorance of the woman pisses me off.. You can also tell she just doesn't wanna know about the debt and puts her fingers in her ears like a child figuratively.
Also the way she looks at him is so degrading
The way she was looking at him was starting to raise my blood pressure lol
It seemed like she was disassociating at times. I agree that she probably didn’t want the stress of knowing the extend of the debt they had gone into. Mostly because all the household goods are in his name
This woman doesn't seem to care about her finances; she just wants to play the victim and watch her husband get made fun of by Caleb. She seems insufferable.
💯
Agree. Just 10 minutes in I found listening to her very annoying.
This is the second marriage lol. Hope the best for them.
Yeah, she's on such a high horse, talking how the guy never tells her stuff, but she probably doesn't care that much when he tell her they have debt.
Imagine dealing with her every day lmao
I’m calling bullshit on the wife. I’m sorry but majority of the crap on his credit cards are for the kids & household, you’re telling me she has no say in any of that? She seems like the controlling mother that can’t say no to her kids so her husband swipes the card (hence why he doesn’t want joint accounts). The husband is absolutely at fault for the cars, sure. But I think she’s lying when she says she’s oblivious to the amount on the cards, sorry 🤷🏼♀️
I couldn't believe his inability to stand up for himself here
Well if she doesn’t have log ins and can’t see it maybe she doesn’t know but she should have assumed its not paid back yet.
And her kids are only 2 and 3 years old… very easy to “convince” little kids they want to go to the local playground or library (for free) vs sea world or gymnastics.
Wait till they are teens, then they will REALLY “want” a bunch of stuff.
@@amylynndurkan3205oh for sure. She doesn’t even seem to get how much harder kids get as they get older.
This episode was so much more genuine! Love the shirt! Caleb you’re rocking it!
I feel like Caleb is one villain arc away from talking about children like expensive vehicles "to get out of debt are you willing to make the sacrifices, will you get rid of it"
Hahaha 😂 😂😂😂 this tickled me yooo!
Best comment
'okay so we sell the car, get rid of one child....' 😂
If a parent says the thought never crossed their mind they are lying.
LOL
I initially wanted to be on the wife's side after what the husband was saying in the beginning but my god...she just doesn't have a single clue. I'm convinced she had no idea prior to this what the monthly bills were. Literally a child being taken care of.
Yeah it is getting worse and worse as it goes on, she does seem to complement and support him a few times but I can't tell if this is a set up to knock him down.
They don't seem like a good couple
the husband tried to convince Caleb that an 800 dollar TV is a need. He has a ridiculous list of "needs" and tried to put all the blame for wasting money on her
@@stuff1784 💯
@@stuff1784They look the same age
This woman is educating nearly 50 children in math and science and doesn’t pay on a credit card, that’s actually terrifying.
😭😭
This is America, don’t catch you slipping up
I don't agree with it at all, but the pay rate for teachers across the country doesn't really foster the idea of "hiring the brightest". I think teachers that are still teaching are pretty brave, but $41k at 35 years old? You can literally work an entry-level helpdesk position for more. Why would someone who excels in all STEM categories WANT to be a teacher when they could leverage their knowledge in a position that requires less overall work, not working with kids, and pays 2x?
Again, I think it's awful, and teachers should be paid SIGNIFICANTLY more, but this is the reality of modern America.
@@MattressFinancialLmtd Sorry, no money for educators. The admin who never sees a student ever is getting $200k in the back office and won't step foot in the school. :)
@@MattressFinancialLmtd She could make more if she taught older groups of students
Caleb, you need to make a compilation video of every time you've ever said " taquitos " lmao
That video would be 3 years long
I have kids and I can communicate with my husband and heat up chicken nuggets with some frozen veg on our "mom lazy" days.
Also Jesus Christ if I talked about my husband the way she talks about hers I would be divorced.
My lazy meal is eggs and toast with cut up veggies. Takes 5 minutes
lol right? My husband would call me out on the BS degrading tone and can see through what I'm trying to do the instant I'd open my mouth like her (and vice versa).
@@ohasumirawrEXACTLY
Her lack of respect and lack of any positive traits makes her a total albatross around his neck.
Mine is simple cheese and corn quesadillas with a side of fruit. Takes 5mins with minimal washing up. I love how this is turning into a list of other good ideas when I have limited time to get dinner on the table after work.
Also, agreed on her tone. If I spoke to my husband like that, we would not be together.
Caleb: “Don’t be mean to these people. They’re brave enough to come on here, you’re not”
Me: *saves my bank statements every month, in case Caleb suddenly responds to my application*
Ahh, the old too bossy + pushover relationship combo. I'm a dominant woman and my husband is more of a "helpful" type of person but you can pretty easily make sure you don't step into this sort of bossy/pushover relationship by checking yourself and checking in with your partner. I hate seeing this 😭
The interesting thing is she said her first marriage was a disaster but all I’m seeing is her run all over her husband. Plus the whole “I don’t have a credit card”, is a little wierd. Your are trying to tell me she never spends on any of them
Two people making bad decisions- one very aggressive in denial and one hiding how bad it is to avoid conflict. Marriage counseling stat.
This !!!! She can’t let him finish a sentence….