I Exposed His Hidden Affair | Financial Audit

Financial Audit - Caleb Hammer

A young couple's financial and emotional dynamics are scrutinized on 'Financial Audit,' revealing power imbalances, conflicting life goals, and unsustainable spending. Caleb Hammer critiques their budgeting, debt management, and relationship dynamics, warning of long-term incompatibility.

Key takeaways

• High income doesn't guarantee financial health
• Debt and spending habits reveal deeper issues
• Power struggles affect financial decisions

Transcript preview

To watch episodes of Financial Audit a week earlier, check us out on YouTube. So, my phone? Uh-huh. Why? Give me your phone. Why? Why? Let me see it. Why are you hiding? Why don't you go ahead and log in since there is an email address associated with only shit? He's lazy. He has no ambition. He drinks, he smokes. He's a loser. He was a loser without me. Okay, so she's a bitch. I don't even be around those blackies? You're around those blackies? You're on those blackies? You're on those blackies? You're I have an exclusive offer just for you. But there's only one week left to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Plus, I just launched the brand new Hammer Elite app available on every major platform. To celebrate the App launch, I'm offering 30% off the annual plan in the month of June only. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join. This is the best membership you'll ever join join That's a promise. Hi, I'm Monica. I'm 21 years old. Hi, I'm Scott. I'm 23 years old and we're from Greenville, Texas. And this is Financial Audit. Welcome down from Greenville from the Dallas-Fort Worth area, lots of money-making opportunities, but not necessarily cheap. What do you do for a living, Monica? I work in insurance for like a... Oh, what are you doing insurance? Because that could be good or bad. Oh, it's great. It's not sales, so that's good. So that's good. bad but yeah it's good sales is kind of weird but anyways you're making a weird face anyways I don't know why sales is weird but yeah no no what do you make what do you make yeah what do I make 61 k good dude it's 21 what the what are we doing it's pretty balling incredible yeah that's awesome I make 1740 per paycheck and it's two paychecks yeah sure so listen we have this positive thing out of the gate exciting you make insane one of money the reality is you're on financial audit and the stack in front of me is stupid big that's big you're fucking it immediately yes it's big you wouldn't know it's big I mean if he supported me then we would be fine I would support you you make 30 or you not being man, he doesn't even know what's big. He needs to be the man. He needs to let me quit my job. I'm trying. gets to experience. I rush you. We had the... It is pretty... It's... It's 11 a.m. No. No. No. You guys require me to be here earlier? No. No, you guys require me to be here earlier. No. No, you guys... We're filmed at the same time. Every day. I am no good. Before 11 a.m. I'm working towards it. No, it's really f f fain. Okay. So, I'm trying. Okay. worth it, buddy. I'm just going to tell you. I think I'm pretty worth it. I'm making 61 at 21. I hate you two and a half minutes in. I really didn't think I would because you smell pleasant. So I was like, oh, usually people smell like shit when they come in here, but you smell nice. So I kind of like you. This is what I got to deal with every day. Rip? Yeah. Get another one. I don't know. You're 23. I don't. tech support, cost of her, aren't you supposed to be the man? The man? Yes. Trying. Where's the man? I mean, that's not a bad income. I have a plan. That's not bad. I'm not criticizing that at all. Yes, that is going to be, well, I mean, you could single income there. It's just you're not going to be living in a cheaper apartment, not having like the best cars, you can, but you're just making that sacrifice that comes with it. you the likely pampered spoiled that I'm assuming you are will likely not allow that lifestyle sorry I'm being mean to her because she's a immediately out of the gate okay I'm gonna reset myself maybe you'll be pleasant oh she's not pleasant she's a okay what's your job though at this that company work tech support customer service oh okay yeah who got some of those I do hate it he doesn't even want to move up so it's like going nowhere I want to find some of customer service no offense to customer service I employ some that's not bad well it's not useless it's useless people need customer service or else I wouldn't be paying a lot of money there's like employee them there is a path but that takes a lot of ass kissing and I don't really want to do that I mean you got to understand from your attitude and what he's doing with his income and you want him to support you you don't he's trying to go into plumbing you don't I do you do okay because I mean just with your attitude and he makes less than you I'm just it just feels like how the would she I mean okay does he want to get the trade job? I mean does he want to get the trade job or is she making you go get the trade job it was my idea now I feel like there's some better avenues but she really was excited and so I kind of feel pushed into the military reserves what oh why reserves I guess I guess fine but why needs the government clearance for a tech job? That was another part of my plan. He doesn't need. I feel like I need it. Yeah. Sure it might help but he doesn't need You think everyone you totally needs it You think everyone that works in tech has governor government clearance No, but he doesn't get a better higher paying job. Yeah It might be good But it's heading up for reserves what if he gets pulled up We aren't a little bit of a war They have active duty They have active duty, but what if somebody who's brand new I don't know man? I don't if it just you? Who knows? Who knows? Who knows? Who knows? So she cro- can all you don't know that that's the thing that's that's the point you know that no that's what I'm saying are you I just that I don't know no one knows they're not gonna pull somebody who's one month in two months in even a year it's there's a billion other people there's a billion other people oh yeah so billion other people on our military what are you talking about there's so many more people I'm just there to get a nice easy ride in the certification is paid for Like yes you signing up for the reserves statistical likelihood not much gonna happen but it's there for a reason something could I know and we are in a war We're in an unpredictable world bombs be flying I'm just saying don't expect nothing to happen Oh we get good benefits yes I'm not saying not but I feel like you're kind of pushing him into that and then what if he actually faces the consequences the only thing is it was his idea I feel like sometimes actually not actually not I'm kind of feeling that as a conversation that neither of you listen but okay she's never listening to you but it sounds like you're doing what you want to do if you wanted to get in the trades and you wanted to do the reserve military sounds she said it's your idea so it sounds like you're being listened now it is my idea but I just think there are better routes or it's not it's not necessarily something that I want to do she said try them sounds like she listened right but you got to understand it's tell me she's I'm feeling pressured to get into that. Anything now in the moment besides drying hair. Uh-huh. So, what do you want to do? What's this alternative path? I don't know. I really don't know yet. Yeah, it's no idea. Why don't you just said there's all these eternal... Because I don't... But you can't tell me one? So shut the fuck up. Go to a trade school then. You can work in customer service. That's not bad money. You don't make bad money, but as a dual income household, I mean, I mean, I mean, I mean, I mean, I mean, I mean, I mean, I mean, I mean, you guys are already making more than most people it but I mean obviously you've got it up and you're not trad wife in it until this is done. No I know that's why I want to pay it off But you guys already make more than the median household income in the United States by far Oh we could totally make more Yeah, we can't make more But it doesn't matter you already are making the more We go on like 10 trips a year. Right? Yeah, don't do that. We're young. You're young you want to travel? You want a trad wife? You're you? You're you're you're you're you're you're you're you're you're gonna? do make enough. You make it like 120. If I stopped working, he could not afford to take care of me. Not your current lifestyle, correct, but you could afford to do a lifestyle. No. It wouldn't be the greatest lifestyle. It's not even what I'm advocating for, but I'm saying you could, technically. I want to quit my job by next April. We already, well I didn't know by next April. It's definitely not. And then we have to go on the honeymoon right after. Are you not married yet? No. Oh, buddy, buddy, the big boobes. The big boobes. The big boobes, they're not. You'll find many. He was a loser without me. I like him. Probably, but. He was. Yeah. So he needs me. Yeah, okay. How is he a loser? He was smoking weed, like he was a pothead, he was vaping, he didn't have a job, he was living with his brother and his brother was pushing him into unemployment. Okay. He was like, 19. That's what I'm saying. 21. But I was already a manager at Walmart. Like at a manager at all-mart. You're definitely- No, but right at 18. Even though you're a bitch that no one wants to be around, you're definitely someone that accelerates in life and like I can respect that. If it was 19, like I'm not going crazy. You were not 18? That's what I'm saying. I was freshly 18. She thinks anyone who smokes is a loser. What is women with this freshly 18? Why is it's not? I was fresh 18 like every other human being in history. Why is that it's not, it's not. I was freshly. I was freshly. I was. I was freshly. I was. I was. I was. I was. I was. I was. you win only experience. I'm just saying he was 21. You go serve up with the military you can get a job you can do a lot of things you can vote for the future of this country and have the consequences behind that. Which is a good thing I can vote. Huh? I should be able to vote. I'm great. Yeah. My beliefs are the best. Okay I didn't advocate for taking away you're right to vote. Never said you did I'm just saying me voting is good. Yeah but why do this infantization around 18 it's such a weird freak adult like everyone else. Get with it. Who cares? Why do you have to set it up with this prerequisite of being fresh? You're not flesh, dude. Yes, I was. I was freshly 18 and he was a loser. That's what I'm saying. Yeah, he may have been a loser. Doesn't mean that it's like you don't have to infantilize yourself, man. When did you guys get together? You were 19? No, he was 20, almost 21. I was 20. Not even close to 21. Yes, because we got together. Freshly 18. Then he'd be 20. No, but then he turned 21. And you were so fresh in November. We got together in July and he turned 21 in November. It's like five months. Okay, well why the fuck does that matter? That's such an insignificant thing. I know people like you freak out about months and one year age gap, but like who gives the shit? Okay, so yeah, maybe he was a loser. That's fine. Listen, I mean it's not and I would advocate for you to get better. Mm, she helped. Okay, because she seems to be very strict, you're kind of strict just whipping around the house. I mean, you got your shit together, I mean, again, I can appreciate that. She has a very articulate and, she's very specific. She knows what she wants. What? What do I want? Well, I didn't want him to smoke weed. Okay, raise it a reasonable request. Vaping, he quit that. Yeah, that's, that's. Help. Like, overpowering. So, if I have anything, if I have anything, Well, I don't even talk about anything. Her mom always backs her up. No matter if I'm in the right or if I'm genuinely making the most sense. She actually does take your side on some things. Because she told me I have to stop doing trips and you were advocating for that. But we're still going on trips. We care about your mom. How many trips have we've been on this year? Six? What the fjably? We just got off of a trip. It's May. Yeah. What are you doing? I understand young dumb then this is the yeah a lot of money it's but you guys are just blowing it man you don't have you have no idea the amount of money you guys are making now at your age with the compound growth in the time the market that you could have multi multi multi multi-millionaires by the time you retire you're just throwing it away for temporary pleasure well that's fine then why are you going on vacations building up the debt that is preventing you guys from taking off work she's also spending like 5 k on Italy later this year Because you don't get to have everything. You can't have that. He doesn't make enough though. So why would I slow down? Why would I slow down? Because you're making him have to make even more and more and more. The more debt you accumulate, the more he's going to have to make to get you out, to get you out of the debt in order for you to be a stay at home. But I would stop if he actually tried to do something. That's what I'm trying to do. That was his idea. brought it up and then she took it and win it all like a thousand five years before he actually becomes a plumber. That doesn't make any sense is that I think about five years okay but you'll be making somebody along the way through apprenticeships and what exactly? He's gonna start at like 18 an hour for the first year so it's still money okay you might have to work a little bit at 23 or one who cares like you'll work a couple years you'll you'll be a tread whore at like 24. If he actually does it's Do you even want to give it that lifestyle? I mean I do it's just hard. Why do you say that? Why? Because he doesn't do anything. I feel like we are young so we can we have the time to get to that lifestyle It doesn't have to be right now. Okay, you don't necessarily need that lifestyle But if you guys want to have the lifestyle you can, but you kind of afford it kind of Okay You guys are just making it so hard. You guys are you're fucking up life so early I don't really understand the point you guys have it? You have it? You have it? You have it? You have it? You have it? You have it? You have it? You have it? You have it? You have it? You have it? You have it. You have it. You're Really? I feel like we're not making a lot at all. I feel like we don't make enough. You make like 120,000 hours a year. Sure, but. Yeah, but then. You see the stack of paper? Net, we don't make that much. No, shit. And net the 80,000, the $80,000 a year median household in the country doesn't net 80,000. I'm just saying it's not enough. What the point was that? Yes, it is enough. If you can't make it off of you, if you're going to make it. Okay, welcome mother to the conversation. She's paying for the 30K wedding, but then You're spoiled. Yes, we get no But then we have to go on a honeymoon. That's probably? Don't have to 25k Why are you saying you have to Why? Okay, what the fuck is wrong with you? Because he needs to pay for it Her mom is wanting to pay her back Then don't do a 30,000 hour wedding We already booked? That's what I'm saying everything? that. It's easier. They take care of everything. Is your family contributing? No. No. Why? I don't think they want to. They might not want. I've asked. Go into $30,000 a debt immediately out of the gate of a marriage to a family member is pretty stupid. And then you'll say no, it's I just, I don't have a say. Okay. It's her and her mom always. Are you distancing him from her family? Are you're grooming this man? No. I love his family? Why don't they want to participate? Loves my family. Well, what does that mean? I don't know I feel like it's all an act Just to you know be the nice the nice lady now. I love his family I do You love anything? You love anything? I love a lot of things I would love my lifestyle That I want That's all it is You just that's all she wants Or? I provide? I? Doesn't matter how she gets myself right now Don't? Don't give you? Don't give you that? His family won't even provide for the wedding. Brandon's over there. He likes big boobas. Yeah, but he's a man whore. True, she knows the lore. That's true. That is true. Well done. And then dump. It's my dog. Me and my dog. Okay, okay. So I, you guys have this, why do we have to do a $25,000? You said half to, Honeymoon. Honeymoon? Yes, we need to go all out. Go to Greece. We're young we need to travel don't you need you want five trips this year so far she said she wants something to remember which one how many trips like eight yeah eight trips what have you done this year so far I mean we just got back from the casino then Denver Durant and it was like a day drive okay it was like a week we spent a week we spent a week there for the weekend we at the casino like the one in Oklahoma that thing yeah what the fuck did you do for a week there there's like the pools and bowling and arcade there's pools bowling in arcade where you live not really yeah I think so like an hour away from everything it's the same distance yeah so why you know why you went to a casino you went to a casino not necessarily great for money we brought a set amount yeah I think how much I brought one 50 and he did too for a week at the casino no way go f- yourself I did take out more money there you know that's impossible you f- Okay where else did you go this year? uh two cruises what the fuck actually no because if you count since like last September and I know you avoid carnival like the Why? Yeah, why would you see? That might have been the realest thing you've ever said. Carnals. Why? Why? Why? Why? Why? Why would you actually say that a loud? That's crazy. That's crazy. It's insane. That's an insane thing. Have you ever seen a carnival cruise? Oh, what? That doesn't sound like a joke. Yeah, that's not a joke. Have I ever said that? I say crazy. I've never said that. Yes, please. I mean, I would. I would also, I'd people. But that's what you were insinuating. Exactly. That's what you were insinuating. I actually didn't really assume. Oh, I, no, I insinuated that, yes, you likely do not want to. She, she talked about, she was saying some things before we started filming too. They were a little racist. So I, that's kind of why I knew it. I was kind of impressed. Not impressed. Sorry. You started it. You started it. You did. You started it. You did. You started it's good to be white. And. And you. And. And. And. And. And. Hey. What's up? What's up? I love how they pulled him. You guys pulled him. It's great. At least you called him a hymn. Not an it, or? What should you do? It's concerning, I'll be honest. They went on two cruises this year. I made a joke because most people want to avoid carnival. Obviously, for obvious reasons. Even you, Tyler. I said, obviously, avoid carnival. And she's like, yeah, I don't want to be around those blackies. She did. You said Blackies? I did. What's your perspective lady? What the fuck? What's your perspective lady? What the fuck? That's how you referred to us? Blackies? Yeah. You should see what she says at home in private. What did she say at home? I can't. Actually, we're giving you permission. Oh, he could say it. I can't. Oh, what the fuck. No, not to fuck that. Talking to him? Why didn't do? Why do you both say that? Why do that? Why do that? Why do you both say that? I mean every now and then. Do you guys say the ends at home? Who does it in private? You know there's some footprints that you just can't erase. When he's gaming? Yeah when I'm gaming. And when do you say it? When he asked me his friends will come up to me. Oh she'll just let it rip any time. Don't even believe it. No I will not. No I will not. It's whenever your friends. Oh, don't see you're just here. You're dead is not. You're dead is not. You're not. You're not. You're not. You're going to act. You're going to be medical bills, personal loans, and collections. Whatever. Your interest rates are different. Your payments are different. Your life is different. So why do you need some one-size-fits-all solution that treats you like a number? Some generic calculator that spits out. Just pay more. As if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say, good luck. They work to understand your specific scenario and help provide alternative solutions to becoming debt-free. 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Why now, but everyone just deletes it because it's way too complicated to use it. So you go to every dollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. That's not but they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds and millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like dollar-wise. Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting in app there is. Download it now, start the free trial, dollar-wise. What the f- the f-f? She's scared right now. I'm not scared. Tyler's cool. Well, thank you, I appreciate that, but what the-f- What the-f- What the-f-t-t-t' me? Are you saying he's one of the good ones? Yeah. One of, like, very few. What, why do you call black people blackies? It was just a joke. No, I don't know. You're okay. Rose off the tongue. I mean what would you what would you prefer? Black people people person That's two syllables. It's like harder to say it's like harder to say it Like white people is people harder to say the blackies People you can't say people it's