The First Financial Audit Divorce | Lucy Follow-Up

[@financialauditfollowups]

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[@Meetoon733]

Idea for Caleb and the team: Tease these follow ups on the main channel by making a community post about the original video and a follow up coming. That way, you drive viewership to the old video & everyone who wants to get ready for the follow up can watch the full main episode if they want to.

[@tatianaflucker9417]

That’s a great idea

[@zendetta4364]

I had this thought as well about a couple of weeks ago. I didn't even know this channel existed till it got put in my algo, and I've watched for a long time

[@JacobNelson2014]

Love this!

[@Revert2017]

Love it!

[@the_queens_owls]

Thats a fantastic idea!

[@iEyeronik]

hahaha, "Caleb : no one would root for divorce" - literally everyone in the comments... THANK GOD SHE DIVORCED HIM!!

[@Dr.ZoidbergPhD]

I wouldnt be surprised if it was the other way around. Bro had everything going dor him tbh

[@jjay107]

@@Dr.ZoidbergPhDit isn’t about how things are going but the attitude with the relationship

[@jakestlaurent9057]

LMFAO

[@odetochef]

@@jakestlaurent9057 What am I missing seems like she was a MAJOR financial liability. She racked up 167K worth of student loan debt to make 45K a year as a "teacher" with a master's degree and doesn't even have a teaching license and because of her, her father can not retire? And the ex helped her get her debt down to 119K from 167K.... ok.

[@Keyboard6304]

Nobody plans on getting a divorce when they are married. However a divorce is far better than a resentful marriage.

[@SherpaOfSkunk]

Thank god she left him, we are all rooting for you Lucy!

[@elizabethallen4353]

Jumped on this episode. Soooo glad she left him!

[@jloutz]

@@elizabethallen4353 I know. This sick 🐷 with $120k in student loan dept is a real catch. 😂😂😂

[@treesarecool]

Proud of her, and 💯 cheering Lucy on!!

[@wahldt623]

Thank god he left her, that's 100k less debt for him to deal with. He's 30, making 60k+ a year with little to no debt at all. You can cope with the " Yas Queen " all you want, but he's the true winner in this divorce.

[@Micfri300]

Talk about gaslighting feminism for no reason.

[@ox0cherrybomb0xo]

When they want a trad wife without them being a trad husband 😡

[@l-train7876]

Always. Smh.

[@JF-vw9lv]

Kinda like how women want to be trad wives but have been with every chad, brad, and tyrone?

[@lordbendtner7021]

Nowadays a trad wife = not a wh0re. Standards are low all across the board.

[@michaelharris8598]

Exactly. Grew up in the 90s and 2000s in a trad household. It can work when both follow the rules. Unfortunately one or both tend to break them out of convenience. Our dad was judged the earner because he had a masters degree in chemistry and our mom was a high school graduate. Both are whip smart. Our dad built a good career and retired with paid for health insurance a va check, Civil service check, and social security as well as two annuities and have zero debt and a paid for house. Our mom ran the house and my sister and mines lives. We both graduated college and have careers. We have solid work ethics and morals. One of us is married the other is looking. All this despite both of us having genetic disabilities. Our parents have been retired for years and just celebrated their 43 rd anniversary. They both did their jobs and are enjoying the rewards.

[@Nnnnnia]

Wants a trad wife, but also gets mad at her for not making enough money

[@The_Letter_M]

The body language difference between this and the initial audit video is wild. Here's to healing and a better future!

[@stuff1784]

She looks ALIVE!!!

[@alyssaengel-swift9269]

So much more confident in this video! We are rooting for you!!!!!

[@krieg_guardsman9548]

Yup kind of happens when your dad picks up all the debt

[@jmacindc]

@@krieg_guardsman9548 this is the ultimate beta comment; y'all are flying out of the woodwork with your hatred of women on here. it takes NOTHING for you to understand that she was being mistreated in a toxic relationship and now is free from that. How is her dad helping her with her debt related to that? Until you hear from the dad that he doesn't want to and is resentful, your judgement is null and void.

[@MissTaelus]

​​@@jmacindchow? She hid nearly $200k in student loan debt, and refused to get a job that would position her to pay it off. She literally made $10k/year less than her husband who was paid to have an autistic guy shadow him while he sold model choo-choos. She used her ex and still uses her father as tools to dig her out of her own bad choices while doubling down on her refusal to take any accountability.

[@BanAaron]

Least surprising divorce ever

[@Micfri300]

He was far too mature and advanced for her.

[@mark9377]

@@Micfri300lol are you the ex-husband?

[@Micfri300]

@mark9377 nope but I can see who had the debt and it wasn't him.

[@Micfri300]

@mark9377 I can understand a 20 year old spending too much but not someone in their mid 30s. Regardless he dodged a bullet.

[@usethebrick]

​@@Micfri300 It looks like her spending in both audits are pretty minimal, she just got pressured into a degree with a low ROI a decade ago and it screwed her over. It sounds like the ex couldn't hold a reasonable job at all much less a good paying one. And he was financially abusive on top of that!

[@16bitfingerprint22]

When he’d touch her arm to make her stop talking 🤬 gave me chills. Not to mention they were broke and he still had the weekend toy race car. Scumbag.

[@PrincessLolly1]

And he kept talking over her, clearly thought she was less important to the world than he was.

[@annikala]

It literally made me feel sick when I was watching the original video

[@MissTaelus]

He touched her arm to reassure her when she started crying. You guys are wild on here.

[@OMGAnotherday]

@@MissTaelus - No he touched her arm to stop her talking, and she knew what the signal meant, we all saw it on her face. Go back and look again. Also touching someone can as often as not be a control signal. You absolutely read this wrong, how do I know? SHE LEFT HIM!

[@MissTaelus]

@OMGAnotherday so what she left him? She is a user, and he was pushing back against her childish behavior. You guys are crazy with the fanfics you are creating around this woman to excuse her lack of accountability.

[@jcnot9712]

“The first financial audit divorce” like it’s a milestone is hilarious to me for some reason 😭😭

[@chantalwiebe534]

I'm surprised this is the first, there have been so many that I feel may have happened first.

[@jcnot9712]

@@chantalwiebe534 I’m confident a few more have happened, specially since there’s been at least one couple that was actively going through their divorce when they filmed their episode.

[@Madamchief]

🎶and many morrrre😅

[@bradhaines3142]

money is a big reason for divorce, gotta admit it contributed to mine

[@WallabyLovesPukicho]

Achievement Unlocked

[@spokenwordpoetries]

I'll say it a million times. Men who want a "trad wife' need to make enough money to support 2 people plus any children that may come along. If you don't make enough for that, then you can't have a trad wife. Adjust your expectations to your reality.

[@Dixon_Cider407]

I think it doesn’t need to be said. It’s common sense/knowledge

[@spokenwordpoetries]

@@Dixon_Cider407 I wish it were! But I’m glad that we both think it SHOULD be common sense.

[@harvestcheddar0]

I don’t think he even wanted a stay-at-home wife. He wanted her to make more money so, I assume she means he wanted her to do all that work AND cook and clean when she got home. Maybe he wanted to be the “head of the house” too. He seems like a controlling guy. I don’t know him obviously, but that’s the impression he gave.

[@MA-mh1vs]

He didn't want a trad wife, he wanted a working wife that also filled the role of a trad wife once home.

[@cheyennev8881]

FUCKING THANK YOUUUUU

[@DemVidzIsMine]

I remember the dude being angry at her spending while he spent all their shared income on his M3 and track time. Slightly ironic one of the arguments stemmed from the guy wanting her to drive stick

[@Dr.ZoidbergPhD]

But he paid for all that. She took debt out, he didn't

[@CSpottsGaming]

​@@Dr.ZoidbergPhDIf they had combined finances and he was spending all the money on fun, he took just as much consumer debt as she did. You don't get to go, "I spent the money that was in the account, you spent all the money after that ran out."

[@tuffy11111]

@@Dr.ZoidbergPhD Didn't he take out a loan to fix the M3? Or it had expensive repairs needed. I remember all of the comments saying "if you can't afford a new BMW you can't afford a used one" because he had to spend to much on repairs all the time.

[@Aqualightnin]

not sure where you saw that, just watched the first video where he showed he used free track time only and got volunteers to teach him how to work on his own stuff with used parts. seemed like he was being very conservative with it.

[@brothscout864]

@@Dr.ZoidbergPhDincel refuses to admit women isnt bad

[@giantpune]

My wife is an artist. For side hustles, she's done private lessons, "corks and canvass" type of events, commissions, working at a local private school as a teacher, and just selling stuff on etsy. Private lessors bring in $50-100/hr for just 1 kid at a time. "Corks and canvass" is where you meet up with about 20 adults (usually women) at a restaurant where they drink wine and follow along on your fairly basic painting. Including the prep and travel time, she made $80-100/hr. Private school was a joke and not worth the effort. Commissions are like $400 for a 5-6hr painting. I think her biggest and most repeatable source of income is etsy. She spends 5hr on a painting. Then she photographs it. Sells the painting for $500. And sells home made prints and stickers from that painting for $20-50. She's still raking in money from paintings she did 8yr ago, cause people keep buying the prints and stickers.

[@weswest8666]

She sounds talented

[@madelineharoldsen9899]

Yes art is a fantastic side hustle!! I taught after school lessons to kids and did ‘paint parties’ all throughout college

[@chelseysmithmillaaaaar]

Yes we call it "sip and paint" here. You can make good money that way!

[@ASoundscapeofOurOwn]

I think starting is the hardest part of that: material costs, relationships with restaurants, getting clients etc... Once you are established it can be lucrative.

[@giantpune]

@@ASoundscapeofOurOwn The restaurants are pretty on board with it. You don't really have too much friction getting them to agree to let you bring 20 customers in who will be getting alcohol and appetizers, which are some of their higher margin items.

[@jess9012mess]

No I personally think we SHOULD say that people suck. She is clearly being very cautious with her words to protect him. We’re cheering for you babe ❤

[@Lucinda_Jackson]

She's being careful because the divorce isn't final and because she's a nice person.

[@MissMosierable]

It can take a year plus for a divorce in MD. People have to live apsrt for a long time unless there's abuse. Also in MD a couple is considered married the entire time until it's final. Moving on with someone else before the final decree can cause further legal problems. If bith parties don't care and want it all to be done, it can go easier. It sounds like he isn't being easy with his resentment of her debt etc in the marriage.

[@Teaorwine]

We can read between the silences of that stick shift story and why it was an important event. I'm so happy she's safe.

[@OMGAnotherday]

Im not so sure, My ex husband was similar in personality, but he wasn't a bad person, and 22 years after me leaving him, I still don't think he was a bad person, so I would never have called him out publicly, I just old everyone that we were not compatible.

[@jessica1234661]

The internet stuff was my first red flag. So proud of you for leaving

[@alexdatoss8962]

THISSSSS!!

[@l-train7876]

Why did they not have regular internet??

[@KristinaAvila1031]

@@l-train7876basically he claimed so they could save money but he only put the hotspot on His phone. So if she needed WiFi she could only use it either at his work or with him… He even specifically said if she’s not with him that she needs to go to his work to use the WiFi even though she could pull up to a Starbucks or McDonald’s It’s a control thing

[@lcur6396]

​@@l-train7876 because he was too greedy to give her some comfort. That episode was a wild ride

[@MissMosierable]

It wasn't necessarily ​a lack of regulat internet, IMO. He had a hotspot to save cash. Fine. Get her her own hotspot, too then. Instead of just getting her her own hotspot, she had to wait for him to be home. It was 100% a power trip for him. @@l-train7876

[@judymarshall6889]

So glad they got a divorce. Their video was hard to watch. The fact that her dad is paying her student loan and putting off his retirement is my worst nightmare.

[@ASoundscapeofOurOwn]

What a dystopian nightmare where you need to spend as much on a college degree as a HOUSE

[@Dr.ZoidbergPhD]

​@@ASoundscapeofOurOwnoften time peoppe cant buy a house bc they want a dream house. A lot of people today, and back when it was affordable had a starter house. Yes things have changed, but most people dont buy just 1 house inna lifetime

[@CSpottsGaming]

​@@ASoundscapeofOurOwn You absolutely don't need to. I've gotten a Master's in Finance and an undergrad Engineering degree and *combined* I never owed as much as she currently does, plus I literally made more than double what she does when I graduated. Having that much debt and making that little money is an active choice.

[@ASoundscapeofOurOwn]

@@CSpottsGaming No it shouldn't even be possible or allowed to take on this much debt for a college degree. It shouldn't cost this much in America. The problem is the inflated cost of college and the proliferation of these loans companies. This would be impossible in Canada: you'd have to have been in school for over a decade with somehow zero aid, bursary, scholarship, grant of any kind AND even then no one would loan anyone 100k for school. It is a systemic issue in the USA alone.

[@kimberlymoriarity]

​@@ASoundscapeofOurOwnIt's directly tied to the government backing the student loans. The increase in tuition cost can be traced to the creation of Sallie Mae in the prior century. Also you can say "all these loan companies", but they're all essentially wings of the government; the vast majority of their income is federal loans and the government can and does shut them down on a regular basis. They even have to be on the government website now (for example, aidvantage.studentloans .gov)

[@kaitlinjohn3625]

"Was it an unhealthy situation?" Ma' dude - he was forcing her into a situation that was an anxiety trigger and when it didnt go well he "got mad". . . . It was left at that because that was the most flattering thing to say.

[@rebeccadelaney716]

Teacher in MD here… look into getting your conditional license (provisional teacher) starting salary in public school is 60000 and you prob will be higher because you have years of experience. Counties may help pay for classes you need to get your license

[@IL_Bgentyl]

Always funny to me the solution is more education. Reminds me of, “if you just keep digging you will hit gold”

[@rebeccadelaney716]

​@@IL_Bgentyl unfortunately, that's the field of education. somethings got to change or there will not be any teachers in the future

[@mccolk]

Great idea! I was feeling for her not wanting to accumulate more debt to get the teaching degree.

[@AddiBee-r7r]

That starting salary is far greater (30%+) than where I live in a better than average teaching state, and she wouldn’t be given credit for work in a step system while uncertified. Also, art teaching positions seldom open up here.

[@gracesimplified3860]

Art teacher is a highly competitive position. Montgomery county pays very well, but they’re looking for different subjects or elementary.

[@jacobfuller6530]

I LITERALLY WENT BACK THIS MORNING AND STARTED REWATCHING THIS ONE WHILE WAITING, AND NOW ITS THE SAME COUPLE. THIS GONNA BE GOOD

[@financialauditfollowups]

Wow, what timing!!

[@IroquoisPliskin6789]

@jacobfuller6530 Why are you yelling, homie? 😂

[@joanamonteiiro]

For people trying to figure out what the cards in the back say, it's some kind of phonetics and the black one on the left says: "walking away: I need to walk away from us, the fighting, the manipulation, the drama, the violence and the trauma. I need to start over. I need to love myself. I deserve better. The love blinders need to come off so that I can see the mess that you have created and hold my head up high and regrow my spine." The rest I can't make out because it's behind her, but it's something along those lines.

[@gabibike2949]

🙌

[@elphabafrost]

They are written in IPA, the international phonetic alphabet.

[@charlieann456]

Poem by Ej Lee

[@jesswatt5824]

I married a dude that turned controlling as soon as we got married, too. Some folks are really good at hiding that crap until they've got you "trapped"!

[@suen5006]

Yup, that's classic abuser move. Or once the women have children and are more vulnerable, he starts with controlling and abusive behavior.

[@strawberry7up]

^Yep. My dad came out as an abusive psycho when my mom got pregnant with me.

[@NotYomama13]

​@strawberry7up or least that's the story your mom is telling you...

[@strawberry7up]

@@NotYomama13 I got to know him myself. Sadly, he just really wanted a son and lost his mind when he found out that my mom was having a girl instead, and blamed her. These things do happen! Really unfortunate.

[@sincerelysammy3367]

Him being upset bc she didn’t want to drive stick is actually crazy

[@adamseidel9780]

It’s not even a useful skill in 2024 unless you’re a particular type of driving enthusiast! Such a bizarre thing to turn into a marriage war.

[@MylesHSG]

​@@adamseidel9780 it's even becoming less of a thing now here in Europe where traditionally 95% of cars were manual transmission 15 years ago.

[@austin_boos]

When i had to get a new car after my car that got me through high school/college was totaled out, i chose specifically to go automatic because my spouse could not drive it very well.

[@_Hollie_]

@@MylesHSGyeah definitely less popular but still the less popular option. I think especially in countries like Italy manual is going to be the more prominent option. But even for renting car there are definitely more automatic options

[@lprice5583]

It shows an unwillingness to learn basic skills. I would let go of a huge debt load that can't drive stick. I mean, what's the point?

[@babycomo]

Everything is one sided here, but that dude was kinda nutty. Their audit was hard to watch cause he was clearly a control freak but held no responsibility for himself. If they take a step back and breathe I bet both of them will bounce back.

[@chocolate7564]

That man was a full bucket of red flags in the original video. I'm not happy that this was the situation for you, but I am happy that you have been able to get out of it. Wish you the very best!

[@Raphanne]

I remember that guy, he raised his finger to shush her and I could see that they were not compatible with each other through their body language.

[@katiebellejohnson2688]

Side hustle idea: I homeschooled my children but they took art lessons from an artist. She created a space where about 8 kids had easels, and she taught oil painting. She had a few set pictures for beginners to copy, and each child went at their own pace. She taught techniques and then catered to each child’s ability and strengths. As each of my children got better she had more difficult pictures to choose from. I don’t remember how much I paid but it was about $15 for an hour and this was 15-20 years ago.

[@jazzysmom112011]

I was gonna suggest the same thing something light maybe outschool.

[@kylieduthie6465]

@@jazzysmom112011open studio time! I teach watercolor from my house but my biggest money maker is literally providing a set time and space for interested students develop their own creativity. Literally no instruction unless they have questions. It’s just study hall for artists

[@CatherineGoodrich]

Brilliant idea! With homeschooling being so popular, I'd tap into that community and opportunities to make some income. Not every homeschooling parent wants to teach every class, and sometimes these opportunities are sought out for making connections with other kids. I think she could make bank!

[@mommyreed2]

my granddaughter does art lessons and projects with an art teacher after school and during summer breaks. HOW does she have a masters and no teaching certificate?! Just go take the exam!

[@suen5006]

I think Michaels is always looking for art and craft teachers because they sell the supplies. Win win!

[@jordanmandrew4831]

I remember this episode…we could see where this relationship was headed then

[@lizbinz]

WAY TO GO, GIRL! So many people see floods of “leave him,” comments and defend the person and stay. But you broke the cycle of abuse! 👏🏼👏🏼👏🏼

[@TJ-vo6ox]

Congratulations Lucy!!!!!!!!!!!!!!!! We've been waiting for the divorce!

[@aplden570]

I remember commenting on the original that I thought she was in an unsafe situation. I'm happy for her that she is out of it, even though it will be a struggle.

[@marinal2705]

Yeah, did you catch how she said “so he got angry and.. I’ll leave it at that”. It’s clear she was talking about a specific breaking point instance

[@cheershiii965]

There is a DIRECT correlation between men who get weird about people not driving a stick, and men who are absolute jerks. Once you start noticing it, you won't be be able to unsee it, it sounds insane, but it's surprisingly common 😶

[@sarahsmith3682]

This 💯

[@16bitfingerprint22]

Hey now, I love driving stick! It’s a built in anti theft device! Do I care that my wife can’t drive stick? No, who cares 🤷🏻‍♂️

[@mccolk]

I had a guy pressure me to learn how to drive a stick on a first date. That was our last date.

[@chelseysmithmillaaaaar]

This is weirdly accurate.

[@mmmd3429]

​@@16bitfingerprint22Right on!

[@janellems]

Oh man, that guy sucked so bad. I'm so happy to see she made the decision to leave him. She definitely deserved better.

[@connabrazzell5761]

His "job" was super sketch

[@kaylahernandez7990]

🆘

[@Desire85102]

Helping her pay off her loans means the guy sucks? Girl, she’s allowing her father to push off his retirement… to help with HER loans? she sucks

[@alpaca6462]

@@Desire85102 he didnt help pay ANY of her loans off

[@samuelwilliams7331]

@@Desire85102Exactly, any guy jumping into mess will be as kooky as her ex.

[@GegeMaree]

Lucy I hope youre here in the comments CONGRATULATIONS!!! Youve got the whole world ahead of you with YOU making the decisions and choices and im excited for you to see it! Good Luck, excited for you❤❤

[@mzmi_]

Yeah! Lucy, I'm near your area. There are options and plenty of ways for you to climb out of this. YOU GOT THIS! YOU ARE AMAZING AND STRONG! Sorry heartbreak was involved, but the growth and the way you will start to see your own strength is going to be so worth it 💪🏾

[@SidewaysWalker]

To pile on, I felt like I was worthless after my divorce, but now I realize I am better for having taken out the garbage. You are at the light at the end of the tunnel and while it might be blinding now, it will be great in no time

[@dunngunkadoid]

I also wanna pile on and say you got this Lucy!! Love your honesty and strength. Huge amount of respect for you making the hard decisions and doing what's emotionally and financially right for yourself. Sounds like you're working hard to fix this and not giving up and that is amazing. You can do this!

[@arronrooks6595]

Disclaimer, This is the first follow-up video I have seen. The Split screen virtual meeting is awesome. Caleb is more focused on the numbers and the guests are less intimidated. So far this is my favorite format! P.S. I did not see the first interview And the follow-up was More than sufficient to give me a full picture...

[@AlenAbdula]

I drive manual, and tried teaching my wofe to drive. She didnt like it. And went and got her automatic. Problem solved. And you move on. What the f

[@thalaline]

Exactly! The problem isn’t the manual car. It’s how he treated her about the manual car

[@tuffy11111]

Right? I'm a car person and like to take my car to the track. I'd like a manual, but my wife isn't comfortable with it so I just drive an automatic. Big whoop.

[@tsunderecafe]

I like cars. My husband likes cars. We had a manual car that he liked. I could not drive it at all, idk, anxiety or whatever just like her even though I thought I’d enjoy it. He sold the car because it wasn’t fair to have a car I couldn’t drive. 🤷‍♀️ it was not some rare or classic car so it was whatever for him and we replaced it with a car with a good DCT we mutually enjoy. Not difficult to meet in the middle with this.

[@AlenAbdula]

@@tsunderecafe I've been with my wife since we were in high school, and we been in various cars over the years, my last 3 cars were all manual, her last 3 were automatic 🙋‍♂️🤷, I drive manual now, she drives automatic. Why is this an issue to people lmfao

[@bananascoaster1243]

Also, your partner is not always the right person to learn from. Someone might do better with an instructor.

[@Rpm-o1y]

I rewatched this episode like two days ago… and that guy sucked ASS

[@Dr.ZoidbergPhD]

They both sucked let's be honest, the only ppl shitting I'm him here is bc she's the ones we're talking to. If we saw his side I'm sure you'd hear the same sentiment

[@lace312]

@@Dr.ZoidbergPhD bruh read the comments in the original video. He’s an asshole in the video

[@adamryan5039]

​@@Dr.ZoidbergPhD maybe but there was definitely signs that people ould clearly see that the relationship was potentially toxic due to his behaviour and actions that were happening at the current time. Rather than her actions and decisions made years if not a decade previously.

[@RossOzburn]

Side hustle idea: do a sip and paint for parents of her students

[@rikkifashionhouse6592]

I'm so very happy she is no longer with him.

[@colesmith4184]

This episode made me really worried for this lady. I'm glad that she got out.

[@rachelofblueridge2593]

I am so proud of you. Divorce is hard, I know, I've gone through it. You're doing amazing and you are a good person. Keep it up. We are all rooting for you.

[@atiing578]

He wants a traditional house wife yet wants her to make more money?

[@karil6461]

Also wants her to work 2 jobs and cook and clean. She's aloud no fun money while he plays trains for a living.

[@ST-rj8iu]

@@karil6461 and walk the dog. What if she had to go on a business trip? The dogs would starve

[@chaoticneutralprofile5988]

Caleb won't say it, but I will. That guy was a bad person. He was an asshole

[@Desire85102]

How so?

[@ziggy_starz]

@@Desire85102yelling at your partner because they don't wanna drive stick is insane. also, expecting her to be home all the time to do chores when she also works is unfair and unbalanced.

[@ParkS9321]

​@ziggy_starz while also not having wifi so she can only be on the internet if he is home...

[@juanvaldez7279]

This guy was not an ok, dude. I remember this originally and am happy to hear you're moving on to greener pastures

[@aquanote2694]

Just rewatched the original, I feel her pain. Stay strong and stay course through the rough water

[@Josherrificly]

Caleb, we love these! I don't know why they don't show in my algorithm. Commenting to help grow this channel.

[@carlaperozo2898]

just subscribed to the follow up channel

[@shmeepea]

I haven’t watched it all yet, but yelped with delight when I saw the title and Lucy’s face. You deserve SO much better and I’m glad you’re going to have a better future ❤

[@rebeccadrake6755]

Go Lucy! Onward and upward to new beginnings!

[@metrazol]

My mom was a public and private school art teacher. Went top of the scale public, then jumped ship to private. There is no money in it. She ran the department, ran the yearbook, ran the summer program and... made a decent middle class income for her area. You have to love it.

[@chaydonofallon1352]

She is in private and they don't pay sh*t.

[@robh1961]

How substantial is the salary difference between teaching in a public school versus teaching in a private/parochial school? I've heard private school pays less, but how much less is it really?

[@Sar-ahG]

Someone is getting the money… just not the right people

[@AddiBee-r7r]

@@robh1961 One example: Several years ago, a friend moved from private to public school teaching when a position became available. The first comment I heard was shocking…the salary increase was $20k, which sounded implausible, then I heard the private school salary was $23k a year (yes, for a certified teacher).

[@robh1961]

@@AddiBee-r7r Holy hell! Wow that's a pretty stark difference.

[@sspann]

I remember the husband was wild, and demanding someone drive stick is just nuts. That said, a $45k return on a $119k investment could be my villain origin story.😅

[@andrew8168]

Im not sure how she spent $119k? Luxury apartments, spring breaks, being too good to work?

[@Draggonny]

Valid. I'm kicking myself for doing a pointless degree and I a) only pay £20 per month for student loans and b) used knowledge from my degree in my unrelated job this week.

[@cryinginstyle]

@@andrew8168private student loans for a bachelor’s degree in the arts. She didn’t do a lot of frivolous spending because she and her father were drowning in minimum payments.

[@MsJbowser]

@@andrew8168student loans =$119k salary=$45k

[@noahaustin9801]

@@andrew8168 She has a masters, it breaks down to 20k a year if it took 6 years for undergrad + masters which seems pretty reasonable if you consider the cost of tuition (plus the large interest rate on most of it doesn't help)

[@mishp4972]

Power to you Lucy!!! This couldn't have been easy to share and follow up on but I think it's so empowering to see your journey and watch you reclaim what matters to you! From finances to overall happiness!

[@VIP-ry6vv]

Real people, real stories. Nobody puts "man child seeking easily victimized bang maid" on their dating profile. Somethings you only find out when you get too deep into the relationship. I hope this story helps people recognize and avoid these situations

[@brainchamber99]

Maybe ask the right questions in the first 5 minutes and not waiting for the "chemistry" to settle in? American women love to be guided by feelings and blame him when they end up not being what they want lol just vet better.

[@arthur3817]

Her uh huh face when Caleb started going on about the One purchase of a pizza like. Yeah. I get that. One single 'fun' purchase in a month is totally fair and its devastating she literally cant afford even that.

[@rebeccashields9626]

I know it’s so sad. You make decisions when you’re young that affect your whole life and can take decades to crawl out from under. I can’t fathom not being able to afford pizza at that age.

[@Nonnahs3]

It’s also just not realistic for humans to deprive themselves for 2-3 years of literally any relief or fun purchases!! Anyone would go off the rails occasionally under that stress

[@Bigdog5400]

I hope she's able to heal, best of luck to her.

[@peteyification]

Her ex-dude gives us manual drivers a bad name... #savethemanuals but #savethemarriages too. I'm lucky enough that my wife prefers manual as well, but there's no way I would have criticized her if she had an issue with it. You deserve better!

[@AnalyticalMenace]

Anyone else get the impression the ex-husband was also abusive?

[@PrincessLolly1]

"He got real angry...I'm gonna leave it at that." Who knows about physical, but we got a peak into the verbal and emotional abuse that self-centered, money-controlling, man-boy was putting on her.

[@adamlee2550]

Women will insult you and degrade you but then if you shout "shut up because I can't take it anymore" then you are the big bad guy. She seems toxic, I don't rate anyone who blames things on anxiety, especially not something so simple as driving a manual car.

[@jmacindc]

@@adamlee2550 if you yell "shut up i can't take it anymore" at your partner, whether you're a man or woman, do them a favor and leave because you clearly do not care for them. if you are getting angry because your wife or husband has anxiety that you don't understand, leave them. if you think that your spouse must learn to drive stick because you just want them to, leave them because all you care about is yourself.

[@brittanyr9471]

​@adamlee2550 maybe you just hang around bad people? Neither men or women should be yelling disparaging things at their partner. It's not a woman or a man thing. Its a "thats a shit thing to do" across the board thing

[@brittanyr9471]

​@@adamlee2550also everything the commenter above said. If you dont believe in anxiety and you'd get upset because they wont learn to drive a stick (a completely unnecessary skill in this day and age), thats fucking wild my guy. Sounds like you need to take a peek inwards to see why you are so lacking in compassion.

[@AussieCosplay]

Heck yeah! You're looking and sounding way more confident! What an absolute glow up!!! I'm super excited to see another follow up in the future. Thanks for sharing your journey with us, I'm sure it wasn't easy.

[@YIWOTY]

All that student loan debt to teach art AND NO TEACHING LICENSE? Good grief. Did her high school have any guidance counselors? Did her college have any career advisors? This is completely absurd.

[@ElenordeGuzman]

Back then no financial education you have to find out yourself.

[@onewithbooks17]

My HS had about 2-4 guidance counselors for 1800ish students, so no lol. My college had counselors but you were on your own. Just getting them to know what classes could be transferred from a previous institution was a huge hurdle

[@AngieMcdonald-fu9nh]

If my husband had 170k in student debt (as it apparently was in the original) and making peanuts i would be controlling AF too. I havent watched the original but i have sympathy for the husband so far... going to find it now...

[@whyskrungly]

@@ElenordeGuzman back then? STILL LOL i went to 1 yr of private art b4 realizing the loans are actually insane and a kid with no financial experience should be making that decision. my guidance counselors had no interest in advising on art school. military though... they can answer anything

[@LampshadeLadEddie]

​@AngieMcdonald-fu9nh have you changed your mind yet?

[@bradleyhartman2285]

I live and teach in the same state. Baltimore county will conditionally certify and will pay $60k+, especially with experience and masters. Plenty of teachers in baltimore county are not certified.

[@gracesimplified3860]

The subject she wants to teach is art. Those positions are more competitive.

[@jacobside2656]

Here's the problem with the whole Masters degree, a lot of states require it and then don't pay teachers well enough for the debt they put themselves into to get that Masters. Ok just hit the fact that she paid 45k. What holy F. We screw teachers so bad

[@joycef8443]

Private school

[@JJ-zr6fu]

She’s paid 45,000 for 9 months of work that’s 60,000 in she worked all year as a teachers. Teachers like to fudge the numbers to make them sound like they’re under paid. No other job works like this

[@Draggonny]

I'd like to introduce you to the concept of a graduate minimum wage. If an employer requires a qualification to do a job they should be paying for that qualification. If we spread this idea and support it, we can make it a reality.

[@AddiBee-r7r]

Didn’t hear if it was a one or two year program…private college tuition (sans room & board) is often $40-60k+ per year. In many areas, state schools are $15-25k per year (again, without room & board). Student contact time is only one portion of a teacher’s work week. And no, summer is not three months off for teachers…the amount of documentation & wrapping up from the previous year, prep work for the next, and required teaching methods/skill development is far beyond what the general public understands. Teachers generally do not get much support from districts, so they are often left reinventing their own wheel. Anyone who thinks a teacher creates one plan and just repeats it year after year doesn’t see what good teachers do.

[@ceeceebudgets]

she doesn't hold a teacher license which makes her "unqualified" which allows private schools to pay dirt.

[@adamseidel9780]

You don’t need to have anxiety to not care about learning to drive stick: it’s 2024, you have to go fully out of your way and pay extra to drive stick as an enthusiast. What a weirdo.

[@Dr.ZoidbergPhD]

No you don't, throughout history and including right this minute, manual card have been cheaper than an automatic. Compare any two identical cars with that only difference and you'll see, an automatic v manual, manual is always cheaper

[@LoquaciousSilence]

@@Dr.ZoidbergPhD No. Most cars don't even come with a manual version, and the price savings is not substantial. Overseas it's the opposite, but it's such a rare necessity in the USA that certain driving jobs have to offer bonuses to people who can drive stick. It's an impractical skill to learn.

[@mandypdx]

It came in handy for me when i rented a car in Europe

[@CptLang97]

​@@Dr.ZoidbergPhDElsewhere in the world maybe. In the US, there may be a few super economy cars that come standard with a manual, but most don't even have a manual option. And for the few cars that do, it is an OPTIONAL upgrade that costs more than the standard automatic.

[@Dr.ZoidbergPhD]

@LoquaciousSilence it's very practical if you decide to go to, oh idk, Europe. Or literally anywhere else in the US. And yes not every single car has a manual option, but most consumer cars do. Google is free, use it to your benefit

[@kr59137]

Girl, yes. I know it's a struggle right now, but so much better long term. Rooting for you! ❤

[@COFFEEKlNG]

remember the arm tap to tell her to stop talking in the og episode. Dude is a boy, not a man.

[@YouMissedBro]

That was the most wild shit ever. Like dude, you're on camera. WE CAN SEE YOU DOING THAT

[@Lexilooloo16]

He was SOOOO controlling in the video and when they talked about their lives together. So happy she left him!

[@Micfri300]

He will live a life. She will live a life of debt and end up with 30 cats.

[@Diashi1267]

I’m happy she left him too. She was dead weight leaching off him to pay her 100k student loans that she now has her dad paying off for her

[@CFAnne]

@@Micfri300and she will live a life not controlled but a disgusting boy. He’s immature and controlling.

[@alpaca6462]

There's so many incels here mad a woman left an abusive relationship

[@Micfri300]

@@alpaca6462 sorry who had the debt? Her or him?

[@mariadrukker2557]

I did a few years back, and I totally get it. It’s overwhelming. You start to see every investment, every account, and you realize how much it affects your future now that you’re going solo

[@Colbe-lx7fb]

Right? I went through that with my sister when she got divorced. She had no clue where to start with her portfolio, and honestly, it just seemed like her retirement plans were totally derailed

[@MONROEJACQ]

That’s the thing-divorce changes everything. I went from feeling like I was on track to wondering if I’d ever be able to retire comfortably. So, I decided to get a second opinion on my investments and portfolio

[@Kseniaramesh]

Smart move. I was in a similar spot, and someone suggested talking to a CFP like Nora Jean Erickson. She actually offers free consultations, so I figured, why not? And wow, it really opened my eyes to how I could protect my assets

[@camela8445Mar]

That’s a great tip. Sometimes it’s hard to know what moves to make without expert advice. And those free consultations? Definitely a plus, especially when you’re already dealing with legal fees and other expenses

[@Kseniaramesh]

Absolutely. And Nora Jean Erickson so practical. She went over the whole picture with me, including my investments and retirement accounts, and broke down what adjustments I could make. It was reassuring to have a concrete plan, especially since I wasn’t really sure where to start

[@stikywikitz]

I'm surprised that Lucy hasn't considered teaching community college courses on the side (or full-time). Just needs a master's degree, no teaching certificate necessary, and the pay and benefits are usually better than working at a K-12 school. I am rooting for you, Lucy!

[@AP-qc7dy]

I am SO glad to see her again!! This was one of the episodes that really stuck with me because of how much I was really rooting for her to find her voice and step out of what seemed like a controlling situation. She looks 10x happier and I have zero doubt that she's going to crush it by the next follow up. I hope she comes back on in another year because I'm invested in her.

[@user-kf1ws9rf8t]

She should do sip and paint ! Events ! That is so much fun ! Maybe for birthday parties I hired one in California and it was fun !

[@michellebrotherwood3398]

You got this Lucy! You're stronger than you know❤❤ thanks for sharing your gift for the kids you teach. Art is so needed in our dark world 😊

[@VintageVideoPod]

As a dad, I would be ecstatic to spend a few extra years working to get my kids out of student loan debt. Obviously she should contribute what she can, but I hope she doesn't feel too guilty about his working extra because helping to give my kids a leg up in life makes my work day more tolerable.

[@thecyclist01]

A few. Not like 10-15

[@hayleyhellbound9513]

I am so happy for her! Look how lovely and happy she is when she’s free to talk for herself💕

[@catdragon1313]

Definitely much better having Caleb on set to record. The audio quality is a lot better.

[@KHitten88]

Yassss girl - growth looks fabulous on you! I’m rooting for you!

[@aquanote2694]

Within the first minute! Caleb and the financial gods have blessed me

[@DamisBerrutti]

I know there's always two sides of the story but I'm very glad that she finally got separated. Divorces are very hard to go through and being able to be financially alone after being with someone is horrible. I'm happy to to se her doing as well as she can and i know that she'll be ok ❤. Hope that he can also make progress and continue with his life. They weren't compatible and that's understandable. This was a very nice follow up ❤

[@Bronxem33]

Watched the initial episode before watching this follow up and I am so happy for her for getting out of that relationship.

[@cantantecait]

Oh my gods, thank you for bringing back the Dirty Money collection! Reallocating some fun money to get a lil merch.

[@TransformwithTayani]

Debt aside, I wasn’t a fan of her husband at all. He had a lot of controlling and abusive qualities. I know we only saw him for an hr but as someone who was in an abusive relationship, I see those signs early.

[@gloomdoom]

That ad read sent me Caleb, you know your audience.

[@Yulissa1014]

Making $45k a year as a teacher is crazy. Teachers in South Texas make $58k as a first year teacher.

[@EmilyAllan]

Good for you seeing the light and taking care of yourself by ending that relationship! Things will get better. It takes time to get out of a divorce financially and emotionally, but I promise it gets better over time. My heart goes out to you.

[@victoriah.2083]

Lucy, you did the right thing. He sounds quite "controlling"! 😳 Now, the most important thing is to find a campus/location that has an administration that supports and upholds its teachers. You can use your Masters later. Right now doing what fills your soul is what matters. (I haven't seen your audit episode yet. So I'm commenting blind.) Hang in there. Do a collage or vision board 🤔! It might help.

[@Fleep13245]

Its nice actually hearing her talk and not being interrupted

[@wandafigueroa6281]

Girllllll… you gonna do great❤❤❤❤ you are a beautiful woman. Things are gonna be great, keep it up ❤❤❤❤❤

[@Rachel-jh2mx]

Good job Lucy!! 🎉 You’ll become a better person, stay true! Stay on top of becoming financially independent, its gonna feel awesome in a few years. Keep improving yourself! ❤

[@theintellectualrabbit6828]

Money ruins so many relationships... It's really sad. Don't be one of the many that end up in a divorce court and clean up your finances.

[@LilySaintSin]

Come on! These two needed to divorce. It wasn't just about the money

[@carlycaye90]

once money becomes an issue love flies out the door!

[@Tayet4Buri]

I'm rooting for you girl! Wish you all the happiness in the world. I want to see one of your works in a museum one of these days!

[@libertysprings2244]

There are post bachelorette programs all over where you can go to school at night and weekends to get the teacher certification within a year. I would do that. Another option is work at any number of public school districts where they allow full time teacher status in areas such as math or special ed teachers. That doesn't even require the post bachelorette

[@AddiBee-r7r]

I don’t know of where that would be…to get a post BA teacher cert in less than a year. In my state, no one can get certified for special education through a truncated post BA program like they can for other areas. Special education teaching is more demanding in that sense.

[@lisajemmings8515]

Hi Lucy, you are such a sweet, genuine lady. I’m tutor kids in reading part time. Another neighbor has art lessons in her home. These are students of various ages. Adults and kids. There’s money to made in lessons . Wishing you the absolute best!

[@cardozoinator]

Good luck on your new journey! Happy you realized that you deserve better!!!

[@ziddi2603]

.....ahhhhh, the divorce was over her not wanting to drive a manual transmission......ahhhhhhhhhh.....really? My head just Exploded....! lol

[@3_character_minimum]

I know what your saying... but... I bet it was a area where they could have a genuine argument. Where a lot of other points of pain in a relationship are not directly expressed. Consider it a flash point. More than the actual issue.

[@lindseybear8868]

seems like he got abusive so it's probably more than that lmao

[@JJ-zr6fu]

I highly doubt it.

[@WYPOUT42999]

The way she described the situation and cut herself off from finishing the story gave me the impression that he probably hit her. Their relationship dynamic was strange, and he was definitely verbally abusive with some anger issues. Wouldn't be too surprised unfortunately.

[@Cattlynt]

This was one of the most memorable audits for me. He was so controlling and such a hypocrite is was actually upsetting for me to watch. I’m SO HAPPY you got out girl!! You have a path forward in life and I wish you luck in perusing it ❤

[@Anthony_MCTP]

Imagine being over $160k in student loan debt to make $45k a year… This is a perfect example of “just because you have a degree, doesn’t mean you make more money.”

[@RadSil141]

I love the poem in the back on the blue background, "Walking Away." You can stand up on your own, love yourself and get your finances in a healthy place. We are rooting for you, Lucy

[@younkinsa1]

Please call school districts in MD!! Some of them are hiring people uncertified due to shortages and you can make more money.

[@Lifestyle-eh8su]

I'm rooting for you Lucy! Can wait for the next follow up!

[@ItsVictoriaG]

I’m so glad she read the comments!!!

[@honieebean]

I had to go watch the original episode and wow. I'm so glad she got away! Best of luck! I really hope she has the best life now 🙏

[@stedydubdetroit]

11:24 don’t you love that ppl treasure private school but private schools hire unlicensed teachers, whereas public schools do not 🤷🏼‍♀️

[@YouMissedBro]

In MD not like the license teachers are much better 😂 entire school districts in Baltimore with near 0% math and reading literacy

[@thecyclist01]

$16k a year for unlicensed teachers.

[@kaydgales]

Side hustle idea: Birthday Party Art & Craft Parties! Charge $100-$150 per hour depending on how much the supplies cost, run a 1-2 hour craft for the kids. Hours are opposite of school schedule, can book multiple parties on the weekend and set up DIY craft kits with the extra supplies for the parents who dont want to pay as much and that increases the amount you can make in a weekend while you're already booked at an event.

[@t206kid]

Ill have to go back and watch the original. The original was posted before I had Caleb in my life

[@katjones4840]

Ohhh snap I remember that Wi-Fi guy!! 🍿 freaking ready for this