This Couple Has The Craziest Situation I've Ever Seen | Financial Audit

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[@Cloudyconfusion]

My boyfriend called while I was watching this to ask if he could take me out to dinner for our anniversary tonight… I said “do you have money to do this or will it be on your credit card because I don’t want to go out to eat if we can’t afford it right now.” He said yes he has the money for dinner and for getting gas to come get me and take me out so it’s not on credit and then HE THANKED ME FOR ASKING AND BEING CONSIDERATE ENOUGH TO CARE ABOUT HIS FINANCES. Thanks Caleb and everyone who goes on the audits for training my brain to think like this so I won’t end up like my parents 😊 Update: 7 months later & we are engaged now☺️

[@plaisirdelanglais]

❤

[@samu-chan]

For an anniversary. That's once a year. You'll be fine.

[@Cloudyconfusion]

@@samu-chan he chooses to celebrate our anniversary each month on the day 🥰 sometimes with small things like a phone call, other times with dates

[@imallaroundtheworld]

​@@Cloudyconfusionthat sounds beautiful 😭😭

[@fattygamer94]

This is something that I did to my parents years ago. I don't really enjoy getting gifts but I know when it's my parents a lot of times they put you on credit card that I know they probably can't afford. Durban times have told them to return a gift because I know they put on a credit card

[@davidedwards1936]

The wife buying a $60k BMW against his advice is probably the exact reason they don’t have a joint checking account, and I don’t blame him.

[@rebelscumcustomsweathering5584]

This was my exact thought. And now he's stuck paying the payments for a car he was against from the beginning because she lost her job

[@amp2193]

Men are supposed to vet their wife's better BEFORE marriage. That wasn't the first thing she's done against this man's advice. Also. Don't be a doormat like this fella.

[@SNIPEAT]

it sounds like it was a vehicle for him to drive, she probably thought she was doing the right thing. i have an agreement with my wife in that when we don’t agree with a decision neither of us don’t do anything.

[@amp2193]

@@SNIPEAT she literally said she got the vehicle after the guy said not to that it was a bad idea. What show are you watching?

[@SNIPEAT]

@@amp2193i think it’s called: “This Couple Has The Craziest Situation I've Ever Seen Financial Audit” from Caleb Hammer

[@ruthc382]

This must have been one of the most humble, chill, couple he’s had that aren’t throwing back excuses every 10 seconds

[@Chalup4]

It is a little refreshing to see people who own their decisions and obviously have trouble discussing all this stuff publicly; I think their situation and attitudes towards their financial situation resonates more with me than the typical "oh-I-spent-that-because-I-deserve-it" people who come on here.

[@IvanJankovicDC]

I agree about owning their mistakes but there's a huge snobbish vibe coming off from her

[@alltheyarn]

After watching more recent videos where the person is arguing through the whole episode, this couple was so refreshing to watch - minimal explanations, no excuses, receptive to criticism. I love these two and really hope they are in a better place now

[@oliviayeomans4568]

I thought the same thing! Let’s bring these people back

[@EricForeal]

Honestly. And their situation sounds like a lot of peoples situation. This really could happen to anyone. I hope they’re doing better as well.

[@arcticredpanda4598]

but people who don't argue also tend not to change their habits because they are disconnected

[@nbla39]

​@arcticredpanda4598 I'm sure that's a problem for some people....but when you're doing nothing but arguing the entire show it doesn't seem like much progress is made.

[@janegarnham]

Except her obsession with the but we move excuse. That’s the bit I can’t stand.

[@precious_toebeans]

This couple reminds us how dangerous income creep is when you're suddenly out of the income that led to the creep

[@PadyEos]

I definitely was there for the first few years of my career. Got my shit together, learned to look at my money, budget and every raise I got or negotiated I put 66-100% to savings. Never more than 33% to lifestyle creep. I'm able to save 50% of what I make every month now and don't feel like I'm sacrificing anything in my life. Sleeping sound at night.

[@rosalinasantos3078]

@@PadyEoscan I ask what field you’re in?

[@Aristaifly]

She lived paycheck to paycheck when working, it creeped before the incme

[@stuartthursfield4333]

She totally fucked them getting that car the rest wasn’t even that bad…

[@GnarlyChef]

0:55 the moment I heard hustle... I knew she ain't doing shit that helps...

[@thomastygret7378]

$1,149 monthly car payment for 6 years at 16% interest. Holy shit. The fact that a bank would even approve a loan like that is wild to me. She must have put zero money down and financed the entire cost of the vehicle. Talk about screwing your entire financial future with just one swift stroke of a pen.

[@AnalyticalMenace]

So, the 16% tells us that she probably has dubious credit, at best. Which means....she shouldn't be anywhere near a BMW dealership. Period.

[@Dan16673]

Banksters are greedy af

[@soapa4279]

Yeah damn, even as a car guy like myself. That is absolutely asinine and horrible debt.

[@joesmith3590]

@@AnalyticalMenacestatistically most bmw buyers are her lol.

[@tear728]

Ho lee fuk

[@ScottyAaron32]

Caleb is the most consistent KZbinr. His massive growth is well deserved.

[@CalebHammer]

I really appreciate, but all the growth is because of y’all’s support and the amazing guests on the show!

[@gavinwentz9705]

@@CalebHammer yes but we wouldn’t support you if you didn’t make such awesome content keep up the great work I’m sure it gets tiring

[@dirtyrottencromag]

Damn right. The guy is on fire right now, uploading good quality content at a regular basis. I've been a subscriber for a year and it's become one of my favorite channels

[@CarlosMartinez-cm2mp]

​@@CalebHammerBro im in this Channel since 2 weeks algo and you got 200k😅 . See u fron Spain

[@shaqwmccanlas]

I agree!! I get excited waiting for his posts and we know when he will post, M/W/F! Thank you, Caleb!

[@johnrogers1251]

I appreciate Fernando's honesty when he says "I was not managing my finances correctly". He didn't put the blame on anyone but himself. That to me is the mark of an honest and humble person.

[@socknetea]

especially considering she nuked his already unstable income and budget

[@tmultt]

working for a company for 6 years and getting fired with no severance means she did something bad

[@stefaniesantillano9133]

Yep 💯 and she wasn't about to get into why

[@1890Orsy]

probably hooked up with someone or stole lol

[@tmultt]

With her marriage and money being fucked up either one or both is a safe bet.

[@toto7999]

This is the comment I was looking for

[@JoJoRock197]

I wouldn’t assume too much. I’m a contractor precisely because these big companies don’t give two 💩s about you, and I’ve witnessed 3 layoffs in the last 11 years. People who had worked there for years and decades were let go just because the company wanted to save on real estate cost and consolidate offices, or just because the new leadership didn’t want to follow in the same direction as what’s been happening. Not all companies offer severance pay, btw, that’s something you negotiate going in. So don’t be shy about having these conversations when HR calls you with a job offer after the interview.

[@rm32720]

I started watching Caleb back in April and got a second job at Costco on top of my full time job and have paid off my 10k in debt (two private student loans, two credit cards and some miscellaneous debts)! I’ve also been able to build up my emergency fund to 4,500 and now focusing on my IRA and federal student loans.. it’s not easy working nearly 80 hours a week BUT it’s temporary and so damn rewarding! Thanks so much, Caleb!

[@laurapeterson12]

Great job! I think the hardest thing is remembering that it IS temporary. 2-4 years in the grand scheme of life isn't that long..

[@kyliecallaway5273]

Congratulations!! That’s amazing!!

[@stuff1784]

❤

[@KelliJ_]

So proud of you! Amaaazing!! 👏👏

[@Chelle-kd1po]

Way to go!

[@diegodeluna8726]

Fernando deserves so much praise after this audit. Abby took most of the responsibility for all the bs spending Caleb was pointing out and on top of that the budget going forward completely revolves around him being able to keep his high paying job for the next 3+ years even after they expressed they’re on their last legs with all the moving that comes with it. Their entire household is and has been on his shoulders and while it is very admirable of Abby to touch on her mental health and therapy, I feel Fernando deserves so much more respect and praise in this comment section.

[@patrocn35car]

He is Latino , guess macho providers aren’t so bad at all

[@BhocalateBitBookie]

facts man. he’s carrying the fucking load

[@lunette7927]

@@horriblepancake in a world where a calm, composed, mature and goodnatured man like this is hard to find, he deserves the praise and respect. The bar is in hell, its true, but recognize the virtue in a good man when you see it. The world doesn’t improve with criticisms although we have many, but a little praise and encouragement can make a world of difference.

[@blade7506]

@@lunette7927facts

[@jadevu904]

Fernando is a good man, hard working and humble. Was not mean to his wife eventhough she just killing them with all these bills.

[@DockNewellJr]

A 1K motorcycle that you've paid $203 a month for storage? you basically re-bought the bike after 5 months!

[@youtubename7819]

I’ve heard it said “personal storage businesses are monuments tot he death of the American dream.” and this is a perfect example. People living in debt and small apartments wishing they had a garage or basement to keep expensive toys which they never actually get to use…

[@N-O.]

It's so crazy, people do this all the time. My parents had a storage unit they were paying 400 a month for and everything in there was worthless. They had it for years!!!!

[@Peridot0000]

​@@youtubename7819 I think its more of a symptom than a problem. Storage units can be really useful for temporary living situations, moving, storing things for a deceased relative for a time, and many other situations. The problem comes in when you either can't afford it or use it as an excuse to buy things you can't afford and can't fit in your house, or store garbage instead of cleaning your house.

[@BobSanders33]

The fact that this happened on a household take home income of nearly $150k/year before she was fired is absolutely wild to me. Their spending is insane.

[@ridinwithjake]

Yep. I’m a single person on $65k and I’m doing just fine.

[@LikeButton4Prez2024]

​@@ridinwithjakebalancing my budget and living within my means was actually so much easier when I was single and making $50k. Now I'm making over $80k and married with a house and kid to a wife who works part time. The more you have to keep track of in life the quicker it will get away from you. It's like financial whack-a-mole. You have to be very vigilant.

[@ExpatmomGuatemala]

@@LikeButton4Prez2024 As soon as you have kids, things go really crazy. Surprise illness, all the stuff they need, food as they grow, etc. This couple is right to get their finances under control before having kids.

[@jonm.678]

All the more reason why saving is more important than earning to an extent. Can’t have money even on six figures if they spend it all

[@jlhistory]

@@LikeButton4Prez2024same thing happened to my parents making 300k combined

[@EduardoCastillo-lt2bs]

I hope she realizes the toll she’s putting on her marriage and her husband. She said proudly that she had no credit card debt only to find out most of debts was in collections. Buys a car worth more than her salary makes tons of unnecessary purchases and then for some “unknown” reason gets fired

[@iza4093]

Right lmao so proudly said no debt… just to find out it’s in collections 😒😒😒

[@viknguyen]

spot on

[@amaliatorres6761]

Don’t forget she came onto a financial audit show just to not be okay with disclosing her past income…

[@sinkintostillness]

I'd definitely be smug about my not having credit card debt with a 60K car debt and nearly 65K in student loans!

[@RisaDaisy]

Saying proudly she has no credit card debt only for Caleb to find out they’ve all gone to collections was 😂. She has bad energy and seems extremely cocky. I hope the best for her husband. He’s being taken advantage of.

[@JoJo-ie8sl]

I like these episodes; these are the folks who take it seriously, admit mistakes, and genuinely seem to want help.

[@Pupui89]

I think they are not being transparent and not being accountable for the most part.

[@joesmith3590]

⁠@@Pupui89I wouldn’t be 100% transparent for this show either. This isn’t a therapy it’s a KZbin financial advice show.

[@Pupui89]

@@joesmith3590 I don’t disagree but the overall comment was about how serious they are and that they admit their fault and I don’t agree. He makes 100k she used to make 60k. They have no savings, several collections, bunch of unexplained amazon and apple bills. And she claimed he doesn’t spend on himself. Something is not adding up.

[@rahulcool7270]

I like these episodes because it reminds me to stay on my budget and not to remind myself that most people with flashy things are fancy. No hard feelings to this couple tho

[@joesmith3590]

@@Pupui89 not at all try to move 4 times in 6 months that is like 20k debt lol. Plus bmw and f150. That is like 100k. I worked with couple making 200-600k a lot they are broke and in debt. Money doesn’t fix or cause debt behavior does.

[@PoeyPlays]

I REALLY want to see a follow up for this couple. I want to see them succeed so badly. I am just starting my journey with only $2,000 of debt and I felt like I was drowning before watching this. I feel like I can breathe now after seeing how much work they are going to have to put into digging themselves out of the hole that they are in. I appreciate SO much that they shared their struggles here. I understand how easy it is to just give up and let debt go to collections. This has motivated me to double down on my own budget and get things done. Thank you.

[@louismccomack9524]

Man $2000 is so small that’s amazing lol. It’s a good thing that you get nervous with that amount of

[@lizqstudio4040]

That’s fantastic! 👏🏽👏🏽👏🏽 You’ll get out of that in no time. My husband and I got out of debt a few years ago and let me tell you.. not having any debt is the best feeling. We use one credit card for everything and pay it off every month. We even pay all the bills we can on that card so that we can get 2% back on as much as possible. There are even some purchases that give us 3% back. We end up getting a few thousand dollars back every year and pay zero interest because we never carry a balance over to the next month. If you’re good with using credit cards and not over-spending, find yourself one that gets cash back (travel points if you’d rather do that). Just make sure you’re not carrying a balance from one month to the next so that you don’t ever have to pay interest. You’re already in a much better position than most people. Congratulations on that. And I know I’m just a stranger on the internet, but I’m proud of you for recognizing your situation for what it is before it got out of hand and for working towards fixing it. This random middle aged lady will be rooting for you! 🙌🏽

[@lizqstudio4040]

That’s fantastic! 👏🏽👏🏽👏🏽 You’ll get out of that in no time. My husband and I got out of debt a few years ago and let me tell you.. not having any debt is the best feeling. We use one credit card for everything and pay it off every month. We even pay all the bills we can on that card so that we can get 2% back on as much as possible. There are even some purchases that give us 3% back. We end up getting a few thousand dollars back every year and pay zero interest because we never carry a balance over to the next month. If you’re good with using credit cards and not over-spending, find yourself one that gets cash back (travel points if you’d rather do that). Just make sure you’re not carrying a balance from one month to the next so that you don’t ever have to pay interest. You’re already in a much better position than most people. Congratulations on that. And I know I’m just a stranger on the internet, but I’m proud of you for recognizing your situation for what it is before it got out of hand and for working towards fixing it. This random middle aged lady will be rooting for you! 🙌🏽

[@greenisop6883]

@poeyplays how is it going now?

[@makaylar.6722]

how's this going?!

[@ycombine1053]

If my wife went out and bought a 60k bmw at 16% interest behind my back, we'd either have a lot of counseling ahead of us or a trip to the divorce lawyer. That is not ok

[@eggychelle]

I think that’s grounds for divorce. Financial infidelity…

[@willytodd2750]

if you can't afford to buy your wife a car, she should be taking a trip to the divorce lawyer. I dont know how bums get married.

[@ycombine1053]

@@willytodd2750 let me guess, you're single?

[@rachel4339]

It would be a serious discussion for sure. Sounds like they had that conversation though, based on her remorseful tone and willingness to sell it if it would help them in the long run.

[@potato1084]

It’s her salary though?? Marry people who have similar spending habits as yourself.

[@Jujubees225]

The car payment is absolute killer. That is just financial suicide even if she did have a job. That's insanity.

[@Rudy1150]

the? both the truck and the BMW. $1800. its insane.

[@Jujubees225]

@@Rudy1150 🤦🏻‍♂️

[@Olivia-bv9xd]

Irresponsible! Idc how much anyone makes.

[@stuff1784]

As Dave Ramsey says: SELL THE CAR!!!

[@Thaxannadrote]

​@@Rudy1150 If we believe her income estimate the $1100 BMW payment was her signing over 20% of her income away for 7 years. His truck payment was on the very high end of reasonable, but was pretty close to the 8% that advisors give, though at a longer term than recommended. So people are more aghast at her car payment because it was almost triple the recommended income percentage for over double the recommended term while his is about at the max recommended income percentage for just under double the recommended term. Are they both bad? Yes! But his is a reasonable percentage of his income. Hers is insane in every way.

[@phillipkahn7500]

She was upset about a carwash and has a 1,150 car payment.

[@dabig25]

Right ??!! lol

[@TheSergio1021]

Notice she kept bringing up how HER car wasnt being washed? She clearly loves that damn car more than her husband.

[@bananattack-g9s]

Bruh, you’re wrong. She said she was willing to get rid of her car. She clearly isn’t willing to give up her husband.

[@Random_Person1023]

Husband: "Don't get the BMW" Wife: Goes out while he's gone and gets a 6 year loan with 16% interest that's going to end up being over $80,000 He really needs to think carefully about this relationship

[@LaSombraa]

Thing is, they could’ve just sold it immediately after the loan. There’s no reason to still keep it!

[@packergeek10]

@@LaSombraa You're not going to get the value on it. It's not a Honda/Toyota. Cars like that sink money very fast.

[@sniperpronerfmods9811]

on a x1

[@jadevu904]

When I watch this video I see my mother in his wife, my mother does this the past 38 yrs they been together. She has shopping addiction and she swiped out everything we had to sell everything to settle payments. It is sad, I really hope this couple can go in family counsel and compromise half way. My mother doesnt give a damn, she lost me and my sister, she only have my dad she spend 3k 4k a month on credit and my dad makes $15hr. I wish my mother would open to therapy and turn herself around, her and my dad gonna be homeless soon bc he enabled her and let her run all over him. Rooting for this couple to make some good changed in the future, it's not too late

[@sniperpronerfmods9811]

@@jadevu904 pochacco

[@chyt2577]

This is one of the first episodes where I DESPERATELY want them to come back and have done better. A lot of the time people have such a terrible attitude about their own responsibilities and accountability that I find it difficult to sympathize when they end up not improving. But these guys? I truly hope for the best for them, they seem to really be willing to take advice and make changes for their family ❤

[@creandomidulcehogar]

Stay tuned!

[@sinisterplank3113]

​@Trashedtocashed rooting for you, you can get infront of this.

[@cognitive-botanical-therapy]

I want them to do better so they can have a kid. Hope they’re following the budget ❤

[@Wc7823]

@@creandomidulcehogarI hope you’re both doing all right. Rooting for you. ❤

[@MissLizzy184]

She was on the verge of crying the entire episode :( I hope they stick with it. Being crushed under this is destroying their mental health.

[@creandomidulcehogar]

There is a lot that has hurt me mentally, but what has hurt the most is my financial choices. It is a learning experience and we are rolling with the punches. Stay tuned for the progress episode 😉

[@supalupa]

​@@creandomidulcehogarThank you for sharing. I can't imagine how hard it was to not only get on camera, but also share your financial situation. But this was really helpful and I really believe this will help alot of people. Don't get discouraged; stick to your budget together and you will come out much stronger from this.

[@IAmEmber]

The husband is so stoic

[@hailifain786]

Would love to see a progress episode! @@creandomidulcehogar

[@LaSombraa]

To be fair this is was all their own doing. Especially the BMW and the Student loans… she literally created 120,000$ of debt out of thin air lol.

[@catgrrr1]

I want to reassure this couple that these episodes help the viewers so much. Seeing people in situations similar, worse, and better than my own give me so much inspiration and motivation to continue chugging on. I appreciate their willingness and bravery coming on the show and being so vulnerable. You guys got this!

[@josephwright8752]

Well said! We can learn from all types of situations and as a community collectively make better decisions to make our dreams reality 😊

[@creandomidulcehogar]

Thank you for the time you all took to watch and share your feedback! We look forward to coming back for a financial audit follow up.

[@jamiegrettum]

These episodes are so helpful! Just today I wrote out ALL our household subscriptions for movie streaming, music, photo storage, etc. It’s much more than I realized. And we had TWO Peacock subscriptions? I canceled a few things immediately and the rest are on the chopping block.

[@Triforcebro]

I agree. Me and my girlfriend live together in Austin and I'm definitely going to show her this after work.

[@sallybells8357]

@@creandomidulcehogar I watch these videos from Nigeria, West Africa, learning discipline in spending, and avoiding bad debt, trust me others learn from watching other people's experiences. Good luck!

[@nanami73_]

According to Caleb the Walmart floor is a very dangerous place to be. So many casualties there.....

[@Theaterkid4L9733]

For the wife - the benefit of the show is this is a cautionary tale for people not this bad off, but also seeing a roadmap for how to get out of debt because YOU ARE NOT THE ONLY ONE struggling with this. Thank you for taking this step and putting yourself out there.

[@shanemarchwick7532]

I'm an impulse shopper and watching this show has helped my habit. so much. I went from a broke college kid to 6 figures overnight and the lifestyle creep was real. Went through a process towards minimalism over the last year and the consumerism addiction fight is real. Watching this show has helped me realize the importance so much.

[@applefarm6126]

@@shanemarchwick7532 God loves you. Romans 8:38-39.

[@oliver2798]

This is the first episode to make me feel genuinely uncomfortable for their situation. Kudos to them both for their honesty.

[@nateschmitz9827]

what about the choochoo train couple? that one was uncomfortable for so many reasons

[@hippolights9103]

@@nateschmitz9827oh my god yes, you just woke up some nightmares 😅

[@NYCHFAN]

​@@nateschmitz9827I missed that one, now I'm curious, lol!! 😂

[@mithicash1444]

Nah, a while back there were 2 car salesmen with a baby, 2 car loans, and a butload of debt with very unstable income. That was the worst for me. These guys at least have valuable skills

[@nateschmitz9827]

@@mithicash1444 that one was awful, plus she was like 22 and he was over 30? She was barely legal when they started dating I think 😅

[@nutritionallee9351]

To let the participants know, I watch these videos ALL THE TIME to keep me motivated on my debt payoff journey. These are SO helpful to me.

[@dulceDGH4152]

I’m a Marriage and family therapist. A comment on your advice to have a shared account: While that’s an ultimate goal for couples; commitment, trust, responsibility. For many of the couples that come to these episodes, they don’t trust their partners and rightfully so. I wouldnt ask someone to commit to marriage of they are truly not ready for it. In the same line asking to have a shared account will take more emotional and behavioral changes required by each partner. The consequences of things going terrible on a joint account are far worse than working towards a joint account once the relationship and finances are stable.

[@tasteslikepurple122]

I love how this couple is so calm and honest. No arguing, no whining, no bargaining. Their situation is tough but with their positive attitude plus Fernando’s strong income they’ll be able to figure it out. 👏🏼 I applaud them!

[@tritosac]

Honest? LOL! Ok.

[@mr.laceduppp7944]

@@tritosacwhy do you disagree? They didnt hide anything unless you know them personally i doubt you can disagree that they are honest

[@jeffyboi6969]

@@mr.laceduppp7944 she didn't even say truthfully why she was fired.

[@alisatjaden3906]

@@jeffyboi6969 I wouldn't say the reason for firing on NATIONAL media!! That's private. Could affect her getting a new job.

[@ChaimS]

Yeah, there's zero reason why we need to know that. They're bearing their souls enough coming on the show, why she was fired is irrelevant.

[@aaronmoore6549]

Proud of this couple for coming on. It's humbling to expose so many personal things to thousands of strangers, but they'll never know the people who sit at home and relate/are helped by this content. Fernando and Abby, if you're reading this, you've got this! Think of it like flipping a house. With each step you as a couple are remodeling your financial and relational home! Stay strong! Trust the process! It wasn't that long ago when you were 28 and when you guys hit 36 and you're debt free with a net worth of $100k it will be like a breath of fresh air. You guys got this!

[@paulfmurphy617]

usually I get pissed at these in debt types but the humility and sadness in their eyes makes me feel for them. I can't imagine being 33 and being a 110K in debt

[@stayshakay7547]

11 months later and I’m itchinnnggggg for an update!!!

[@elenad8712]

I was unemployed for a month back in Feb and not having an emergency fund was an EMERGENCY. This is going to be a tough listen because I can relate to them 19 mins in.

[@AdeAde0224]

We all have been through this

[@WayraRose]

Indeed! Rebuilding my own. It's rough and scary when you don't have one- or it gets depleted and you have to juggle payments. Wouldn't wish that on anyone.

[@hunterfg09]

A lot of people hold off on filing for unemployment too. FILE THAT INSTANTLY!. Your (ex) company paid for it already, you might as well use it even if it's only 2 weeks

[@user-zc6ug3qh3z]

In my country they can't just fire you without giving you a two month notice to prevent things like this happening

[@lang6626]

@@user-zc6ug3qh3zUSA is different that’s why you see homeless people in cities

[@champabay4746]

My wife would never go behind my back and purchase a car and I would never go behind hers. This is wild

[@adamseidel9780]

Her not selling the BMW sits so absurdly wrong with me. He gets to keep buying her books, pay for her school, and pay off her luxury car she couldn’t afford when she bought it in the first place and he didn’t want her to buy. So so wrong. Once she gets a job and they pay off all the non-BMW debt they should reevaluate their budget so she bears more of the burden of that decision.

[@jeremiaheusebio6158]

Moght be pretty hard to sell when she still owes $50k on the car and it’s only worth $25k tops.

[@purpurina5663]

The ironic thing is that a BMW is a status car, and now everyone she was trying to impress knows she couldn't really afford the BMW 🫠

[@MWalsh1992]

Her voice tho. Sounds like she permanently ia about to cry

[@ScottTooley]

I figured it's just nerves with being on the video.

[@poliscigirlie]

She almost sounds like Elizabeth Olsen from the Avengers lol

[@morganadays3530]

the world humbled the f outta her

[@allysmyers1605]

I would permanently be in a state of trying not to cry if I were 100k in debt too.

[@CBrown86]

Event without the almost crying the way she talks makes me cringe

[@MarcoPrietoDD]

Bad situation but this couple recognizes their mistakes and they don’t point fingers at each other. Refreshing to see.

[@Arvolash]

No, but he should definitely be pointing fingers at her. What the hell

[@willytodd2750]

@@Arvolash simping. It's an epidemic. Every man i know that isn't me is physically incapable of criticizing a woman, and women know it.

[@potato1084]

@@ArvolashIt’s her car that she paid for with her own salary? You should marry someone who has similar spending habits as yourself

[@Szcza04]

@@potato1084but why the fuck would she need a 60k car

[@NewscasterNews4]

@@potato1084her own salary of $0 right? Which has clearly been helping her out so much that she’s missing payments on it….. But you’re also right that he never should’ve married her because a divorce would ruin him financially while she’s unemployed. So now he’s trapped until further notice

[@kloud9999]

I feel like she’s not only being dishonest about her firing, but also her decisions and her income to her husband. Pretty messed up.

[@butlerbees6639]

The fact she didn’t get severance from Apple was pretty telling. She was probably a low level employee that wasn’t doing a good job. If her husband was able to float most of the bills without her income means she probably wasn’t making much.

[@boydassistant6621]

@@butlerbees6639who gets a severance when fired?

[@butlerbees6639]

@@boydassistant6621 happens all the time. Sometimes companies need to reduce labor costs so they have mass firings. They usually give a severance package to avoid dealing with unemployment claims. Apple was willing to reimburse her MBA. If she was a good employee but they just needed to downsize, a 3 month severance is small potatoes. The fact they didn’t means they’re confident enough that if she were to file unemployment she wouldn’t get it with little effort on their end.

[@boydassistant6621]

That’s a layoff, no? I was laid during the GFC. Got severance and unemployment. Getting fired for doing the company wrong is totally different and gets no severance or unemployment. That sounds more like what happened to her.

[@butlerbees6639]

@@boydassistant6621 if you’re laid off there’s a chance the company wants to hire you back. This happens to a lot of seasonal workers. They’ll work for 8-9 months get laid off for 3 and come back. Sometimes companies know they aren’t going to hire the people back so they are “fired.” Instead of dealing with thousands of unemployment claims, bigger companies, especially like Apple, will just fire you and give you a severance so it’s done and over with because there wasn’t good grounds for firing. But if Apple had grounds for firing her, it has to be bad enough where they wouldn’t give her severance and will dispute her unemployment. I know it seems weird but big business handles stuff like this differently. Just had a friend get fired because there was a company merger and his equal position in the other company had like 10 years more experience so they kept him and fired my friend. They gave my friend a recommendation letter and 6 months of severance.

[@arcticredpanda4598]

Abby is all talk. She was fired for a reason. She talked so much about side hustles but it actually brings in no income. Fernando isn't going to change because he knows she's the problem.

[@shaunalea823]

My question is why didn’t she provide her financial info? Like it’s all him. I get she did disclose info but my guess we aren’t getting the whole story. He’s not the only problem. It’s funny bc she kept downplaying their purchases but look at how much debt they’re in.

[@AW-pi1dn]

​@@shaunalea823she can't handle facing her own sh*t. 😂

[@iam_vlo]

She got FIRED from Apple? I used to work for Apple and that only happens if you truly do something against business policy / confidentiality.

[@pabloescobarschanclas]

yeah, that was a major red flag.

[@annjacobs8144]

I’m perplexed that she doesn’t know the reason she was fired. Seems odd

[@mithicash1444]

Tbf she was making 60k/yr which is bottom of the barrel for a company like Apple. No surprise she was first to go.

[@SoahkGnik216]

Yea but fired? Usually company downsizing is layoff

[@iam_vlo]

@@SoahkGnik216 yeah... and Apple didn't do a layoff. This was targeted or performance-based firing.

[@gitgudgaming506]

You can tell she is hurting from the financial situation but more so from losing her job. Hopefully she can make it and it was nice to see her cheer up near the end.

[@amadeus6312]

bro she is acting really bad towards everybody and is kinda acting like a baby, like when Caleb asked what salary she had she was like: "do i really need to say that" And yes the appropriate thing for her to do was just to suck it up and say it as she knew he would ask about it from earlier guest. And i can kinda see why she was fired.

[@ianmacdonald4163]

​@@amadeus6312im really surprised people arent seeing through her bs.

[@Tsundemo]

@@ianmacdonald4163it’s incredible

[@mikenormandy9250]

@@ianmacdonald4163agree! The BMW over a Toyota Tacoma, she wants a lifestyle NOT a furure

[@ianmacdonald4163]

@@mikenormandy9250 I wasn't listening too hard about the taco, but there's no way it would've been a good choice either. Those are expensive trucks that hold their value, so I'm sure she was going to buy a new(ish) one. She shouldn't even have a car though, she refuses to be employed or a good worker, and her "side hustles" don't make enough income to bother counting. She's also selling all of their technology that would give them an easier time budgeting and keeping track of debt.

[@jillianjackson9365]

In a year, with counseling and getting on the same page financially, y’all won’t recognize yourselves. As a couple 7 years out of a crazy situation in our marriage, I can say we don’t even know who those people were. Rooting for you both! 🎉❤

[@BhocalateBitBookie]

The car being revealed to be a 2020 BMW legit made my jaw drop😭 what a horrific choice

[@TheSergio1021]

Car isnt gonna last the length of the loan 😂

[@bradhaines3142]

@@TheSergio1021 theyre very well engineered to last the length of a lease. thats the best way to have a BMW, lease it, love it, give it back before it gives you hell.

[@TheSergio1021]

@@bradhaines3142 exactly. BMW is the pinnacle of "here for a fun time not a long time" but I'm pretty sure she aint leasing 😂

[@gracehelberg880]

Caleb, as someone who works at Public Storage(in a different state), you should both be grilling people hard about having storage because 95% of the time, anyone who stores longer than 6 months would've been better just selling and rebuying the items. And you should also stay skeptical and grill harder about the items they are storing, what size unit they have, and the details of the contract. Most people can sell if not downsize at least. And I think they vastly undersold the size of the unit they had. It likely was not just "Some items and a couple motorcycles"

[@marial3650]

yup. after 2yrs i pushed for my X to either him continue paying the storage and keep everything or we sell whatever sells and the rest bye bye. We was spending more money storing. had we moved back in together i prob would have wanted new look for our place anyways. So unless the plan is to store emporrary, great, but and nolonger than the value of your belongings.

[@wmluna381]

God, I hate Public Storage. Worst experience ever a few months ago. I moved my stuff out after the month I (stupidly) prepaid for. And I say this as someone who used to work in self storage.

[@shellnm2011]

Excellent point! I'm talking to my husband about this tonight!

[@Smarirealestate]

I have a storage we pay $210 a month have been transitioning to a new state. We have had it for 5 months I’m thinking we have 1 more month to go get the stuff and transfer it here or just go down for a weekend and do a storage sale and sell most of it or all of it

[@Obviously-dc1xp]

I find it interesting that these financial audits shine light on other issues hidden in the relationship. Good luck to this couple!

[@HereForFun98]

So true! I wish them the best but I’m simultaneously worried for them.

[@dontmakemegothere7904]

As someone who has worked at Apple in management I can tell you in order to get fired, not laid off, from Apple it means you have to be a bad worker for a very long time. HR likes to cover their bases and it takes like 6 months of documentation. So she’s not telling the entire story of why she got fired, unless she just got into a fist fight at work.

[@MFlint-un2tq]

She’s definitely hiding something, it’s makes no sense.

[@natalieowolf]

Why does it matter?

[@probablynot1368]

I agree with you. Apple will have security escort an individual out of the building for egregious behaviors (threatening coworkers, theft, drugs on the job, etc); otherwise, before firing someone, there is prior documentation to support this action. Normally, it is not possible to receive unemployment when fired by an employer, so that’s why she was hesitant to apply; however, during times of heavy layoffs, Apple tends to not fight with a fired individual who is filing for unemployment benefits.

[@mustangthings]

@@natalieowolfIt doesn’t matter in and of itself, but it shows she is being dishonest.

[@BillionaireMusk]

Bingo. She is swimming in debt and she ignored her husband and got that high ass car note knowing she’s 60k in school debt is down right insane. She dragging this guy down her hole

[@bluenexus1212]

1,149 dollars a month for a car, that’s basically rent ☠️😭

[@incubated728]

I just love the husband. So humble, makes almost no excuses, and is able to take a jab from Caleb like it's no big deal while still being receptive to the criticism

[@creandomidulcehogar]

He is a very humble man. Thanks for watching!

[@1890Orsy]

@@creandomidulcehogar Agree he looks pretty humble. But its the wife that scares me, she comes off soft spoken but you can tell she makes idiotic mistakes. Too may at their (our age) Most of them are common sense, like stop already. that car payment? really. then the whole "we were moving" crap. theres def deeper issues but ,Maybe she just needs a good ****ing lol. props to them on going on though.

[@1890Orsy]

now i know why he wanted the expenses separate. @@creandomidulcehogar

[@MatUK8]

The husband is also for sure holding back. She is full of crap and he won’t say anything. All that side hustle and applying for jobs stuff was probably half BS.

[@Muteyoshi260]

He’s humble but he needs to grow an pair. Your wife shouldn’t get a car behind your back. That alone shows who wears the pants in the household. she also quit her job. She’s also lying about finding jobs.

[@FRBSUWOO]

they should NOT have 2 cars & considering she went behind his back for a $60k BMW AND missed payments she needs to be applying for 10 jobs a day everyday plus she still eating out, ordering off TEMU of all places, going to Bath & Body Works and doing an MBA she can’t get reimbursed for bc she got fired girl this is a mess 😭

[@deirdrekiely6187]

The BMW purchase wasn't behind his back. He tried to talk her out of it *before* she bought it. So he knew. And she selfishly did it anyway.

[@chkngrl]

Sneaking off to go get the car when he was at work because he said no is going behind his back. Legally he is responsible for that debt as well and she had no right to get a vehicle that equaled her total yearly income with a predatory interest rate.

[@PascualSmith]

THATS WHAT I’M SAYING! All of the comments here are like “Hey, look at them, nobody is pointing fingers and they wanna improve”, meanwhile this lady goes out of her way to buy a car she could not afford behind this dudes back and is making a bunch of empty promises.

[@josephbrown9685]

@@PascualSmithI’m glad at least a few people are seeing this reality for what it is instead of talking about the situation positively. I read some comments first and then after I watched the video, I was wondering if I had watched the same video as those people.

[@Tracker5111]

Divorce inbound... impact in 10, 9, 8, ......

[@t1red802]

This is my favourite audit so far. The guests are honest and understand where they are, no denial, only drive to take responsibility and change their lives, and Caleb’s kindness shines through so strongly in this interview ❤

[@rezcor4651]

$1200 car payment is fucking crazy. Those guys at the dealership where probably laughing all the way home.

[@mithicash1444]

Nah, they were too busy counting the dollar bills they got as a commission

[@rezcor4651]

@@mithicash1444 facts

[@niapri]

Not sure if the auditees spend any time in comments, but - I hope Abby knows that there are TONS of people watching who are getting a lot out of it. Encouragement, lifting hopelessness, knowing that there's a way out, and it might not be easy, but it's short-term and worth it to have a future.

[@ianmacdonald4163]

The main thing I'm getting out of this is that I should stay single😂

[@anthonyyoung6433]

I think I might have controlling Interest in Taquitos

[@Arvolash]

@@ianmacdonald4163 kind of a Segway I’m gonna try and tie it in… I lost my self in the red pill rabbit hole on KZbin for a while and I feel like I’m coming out of it slightly but my perspective on women has definitely changed. In a perfect world none of them want to work, but they want the option. so I’m staying single until I can afford to pay all of the woman’s bills… And hopefully have picked a good one who lives like me and is happy with target brand over Gucci

[@BillionaireMusk]

She’s sad? She wasn’t sad when she bought the car when her husband told her not to. She has 18 loans and doesn’t even work in the field of her degree. I would divorce her. No way would I spend the next decade paying off her crap

[@metalheadami123]

she is definitely lying about why she got fired and spends all the money and collecting debt while her husband is barely scraping by. She is poison in any marriage

[@Private53074]

Loving all the couple audits

[@CalebHammer]

Same!

[@AdeAde0224]

Yea couple audits are way more entertaining

[@username9999]

This show helps me because I'm reminded 3x per week that I'm behind on retirement and that I don't want to die on the Walmart floor. It's easy to live in the moment and forget about the future.

[@r0m988]

Fernando, your attitude and your sense of responsibility are so great, even if you ended up in this situation. I hope very much that you and Abby were able to find a solution.

[@kimberly284u28]

I'm not trying to hate on Abby, I'm just very confused with things on her part. Why is she only applying to around 4 jobs a week when she knows and feels bad that Fernando is taking on all the bills and struggling hardcore. She claims she's willing to clean toilets but if she were applying to even minimum wage jobs, she'd have something by now. It's concerning that she wasn't willing to submit her own financial documents to take the first step to merge their finances. It worries me for their future when she isn't willing to make sacrifices. Fernando I feel is trying to take on the role of trying to provide and is not managing it well but doesn't know how to do better. I especially think it's difficult for him to manage things now when she has done at least the car loan behind his back. Abby's impulses could be a contributing factor to their financial situation. I think it's unfortunate that Fernando is having to forgo essentials like a haircut or new pants if he needs it due to their financial situation.

[@Thaxannadrote]

At the start I was thinking he was the issue, but the further in I got everything seemed to be coming back to things she didn't want to talk about. By the end I'm pretty certain she has the, "My income is my money, and your income is our money" mindset. I also think she heard Caleb is very pro-therapy and was hoping he would pressure Fernando into couples counseling more than any financial advice. When that was being talked about seemed to be when she was most interested in the conversation.

[@500dollarjapanesetoaster8]

She's looking like the boat anchor...

[@OlegAryutkin]

If I had to choose between a minimum wage job and selling my beemer… that beemer is like a years worth of salary isn’t it?

[@jaesonjaes]

@@OlegAryutkinworth maybe 40k? Maybe less lol

[@OlegAryutkin]

@@jaesonjaes well $40k sounds like a years salary for many folks.

[@20rickk]

That BMW purchase was so selfish and impulsive. That one made me upset.

[@Podzhagitel]

divorce would be on the table fr

[@MrPres21dent]

She’s applying for jobs and not hearing anything because she definitely did something at Apple she was not supposed to . She is killing this debt thing who buys a car that cost $60k and 1k a month that’s literally insane.

[@KassandraterBeek]

I don't know if she's a first generation college graduate but this is fairly common if you are raised with little and suddenly see this world where you got a degree and feel on top of the world. I don't doubt something happened about her getting fired and her attitude needs a little help, but I think this could be a good thing for Caleb to touch on for a lot of people. I want a Tesla I think (not because it's a tesla but because it would be useful for me) but I would need to have my old 4WD for mountains...but I could not imagine making a car payment over X amount. It sounds like she made poor choices and no is ashamed of them without really thinking about what patterns they are. Also, no matter what happens and why, if you are EVER let go from a job, at fault or not, always file for unemployment immediately. Get that ball rolling. I feel like Caleb could give a little life advice for viewers so they don't end UP where these people are rather than just helping get out of it. Cautionary tales...this one is full of cautionary tales.

[@iamkellij]

I've seen people get fired for all kinds of things. And be able to bounce back. So it had to be something pretty bad.

[@NoOne24]

​@@iamkellijso you "seeing people" means it has to be the same for everyone else? Dumbest comment ever.

[@dabig25]

Credit Score can affect you being hired as well

[@ceciliagonzales2572]

It hit me when she said she vouched for him being there for family when they need something. My dad was the same way. He was the oldest of 5 born in the depression so he took on a lot responsibility for the family. He didn’t meet my mom until he was 40 but up until then helped out numerous nieces and nephews when they needed it without question and without expecting to ever get any of back. But when he died (and he worked up until that day) none of them could even be bothered to help. Sometimes it doesn’t pay to be kind-hearted and help people, especially family.

[@dct90210]

Man, that's rough. You cannot help someone else if you're also struggling.

[@mirandasmith6856]

My mama was the same way. Gifting my cousins cars, just for them to take them & immediately sell it for Jordan’s, chains & designer clothes, now they can’t drive to work… cousins who took out loans in my mama’s name. Cousins who would rob her, stealing everything out of her purse. I vowed to never be someone people can use & moved far from family & never visit. When she needed help, she never had help, but was there for everyone.

[@ceciliagonzales2572]

@@mirandasmith6856Wow! Sorry to hear that! Luckily my dad never bought cars but they’ll take whatever they can if you let them. And once my dad died my own brothers were looking at me the same way. I did what you did and left them in the rear view mirror. Sadly you have to look out for yourself cause no one else will.

[@potato1084]

100%. My family dealt with the same thing cause certain relatives are leeches. Now that they’re wealthy they don’t want to cover anything.

[@TandemDawgBMG]

The poor guy, I feel for Fernando. That woman started living the high life buying a shiny expensive car, previous credit card debt in collections, she is single handedly bankrupting them.

[@abramsrob]

He should divorce her lol, I'd file for divorce immediately if my wife financed a bmw behind my back

[@outisoutisoutis]

Hey, I'm not sure other people realize that you were on this show. But I know. Because you replied to my comment about your situation. Man, I'm really shocked by your behaviour. You hated it when people bashed on your relationship--and how they repeatedly all pointed out that you are the problem in YOUR relationship, but now you're turning around and talking about other people's relationships. I'm...truly and genuinely BLOW AWAY. Listen dude--people in glass houses should NOT throw stones. Mind you business and pay off your own debt and go to couples counseling before you start talking about other people. I was pretty balanced in my original comment to you, but wow. This was a really embarrassing. @CalebHammer, I hope you'll take note of this and ask your future guests NOT to make rude comments about other people's relationships in the future. For SHAME.

[@deirdrekiely6187]

​@@abramsrob It was not behind his back. He asked her not to buy it before she did ....and she went and did it anyway. Really shitty of her to do that to her partner.

[@abramsrob]

@deirdrekiely6187 yeah it still makes it behind his back though, he said no and she did it anyway, but didn't tell him she was doing it anyway she just did it

[@outisoutisoutis]

@TandemDawBMW I would like a real reply. Seriously. You are a real human being. You sat though people pointing fingers at you and judging your relationship while we only get a snapshot. And you are *shamelessly* doing the same to other couples and guests in the comments of Caleb's own video. Dude. This is not creating a supportive environment for other guests. This is not showing the self reflection and "humbling" that you claimed the comments on your video gave you. I avoided labeling you with a diagnosis in my comments to you on your video, but this genuinely makes you seem like you have a personality disorder--and I don't mean ASD. You are either a very unkind person, or you are creating rage-click-bate by misbehaving online. It is causing me to question the intention of Calebs videos and the community he is trying to create. If you didn't learn how important it is to keep an open mind about others situations, about keeping your comments supportive and positive, about not judging people based on a short video, I don't think you are going to be able to take responsibility for you own role in the problems in your life. These are lessons you should have learned while going through your own episode, there is *truly* something off with you man. This is not a normal reaction. So either it's fake or you're just not very kind. This is so so inappropriate of you. I am so disappointed in you. I am so sad that, of all the people Caleb could have given his time help, he gave his time to someone so uninterested j reflecting, growing, and supporting others. Wow. Just wow.

[@nlibby5549]

She is looking at health insurance wrong. If she gets sick or falls, shes screwed right now. Hop.on and remove yourself later, girl!!!

[@Belpz4]

She probably feels like he’s doing enough for her. Marriage is for better or for worse and now it’s at the worst so let that man take care of you AS HE SHOULD. This is a big test for their marriage. I wonder if he throws it in her face, she seems sad enough that he may just be!

[@nlibby5549]

@@Belpz4 true, she sounded like she was going to have a breakdown the entire time.

[@Angelina-pi2cc]

Yes I'm confused why she says things like "carrying my weight" they are married lol he's not some stranger off the street

[@doriskurzz1798]

I had a credit card in 1972 and charged xmas on it that year. It took 6 months to pay it off. My husband said, no more credit cards and we haven't had one since then. I use a debit card when I need too but no more credit. We have a hugh emergency fund and a half of a million dollars in our investments for retirement. We won't be dying on the walmart floor. All of our properties and 3 farms are paid for. We were the poorest people among our friends but it all worked out in our favor. I really enjoy Caleb!

[@jasmineh8482]

Wow, spending is definitely out of control if a couple, without children in the household, can't keep up or stay debt free even with a combined income of over $160k per year. Crazy! Grateful to learn from these two, what not to do!

[@robertsprague3981]

Yup, my jaw hit the floor when he finally said what his salary was…With his salary alone there’s no excuse for the amount of debt they have 🤦‍♂️

[@christopherkim8391]

Yeah, just goes to show it’s not always about how much you make but how much you keep.

[@YourRump]

He has a kid.

[@dm96177]

@@robertsprague3981I totally missed where he said it. I don’t think it was covered in the first section?

[@robertsprague3981]

@@dm96177 he make $2k a week (after taxes)…They didn’t get into the income part until later in the video

[@lisawrites6517]

We asked for more couples audits and Caleb is delivering. 🎉

[@MonkaSideEye]

She knows exactly why she was fired from Apple, and I suspect that she is too ashamed to admit it. This is not a off chance situation. It’s either she did something egregious or was a repeat offender. There has to be a valid reason to let go of an employee that has worked at the company for “6 years.” I definitely sense some dishonesty, but pfft guess we will never know

[@alysacruz1993]

I felt that too, she didn’t want to say much. She didn’t even want to say how much she actually made a month. No employer fires you after 6 years for nothing.

[@NickOloteo]

Considering she bought a bmw for over 1.1k/mo I believe she was sniffing her farts waaaaaay tooooooo much

[@jkstudent222]

have you heard of the gift of desperation? these tight spots can humble and change people (happened to me lol)

[@creandomidulcehogar]

Stay tuned. Maybe on the next episode we will have an opportunity to dive deeper into what we didn’t during this episode. Thanks for watching!

[@supatx1399]

Why is it relevant to the video?

[@xandercrew6088]

Her buying a car without both of them being on board is justification for DIVORCE / BREAK UP. I would literally drop her quicker than I would have dragged her out of the car dealership. THAT MAN SHOULD RUNNN FOR THE HILLS

[@janegarnham]

Bs Read the marriage vows again. Too many people are quick to the Divorce. They have so much hope. Did you go to the end of the episode.

[@xandercrew6088]

@@janegarnham marriage vows get void when one partner does something enormous behind the back of the other that affects them both 🤷‍♂️🤷‍♂️🤷‍♂️

[@Hank-fj8kr]

@@xandercrew6088hm kinda like death? Which is the parting terms of marriage? Better or worse means something dude.

[@xandercrew6088]

@@Hank-fj8krwell modern laws are NOT for better or worse. Women get divorced over how they “feel” left and right. My point is about logic and non-betrayal. Financial betrayal is as bad as infidelity.

[@Hank-fj8kr]

@@xandercrew6088 sounds like you have personal issues, stop blaming others for your shortcomings

[@quixomega]

I'm not a psychiatrist but I'm seeing what looks like money avoidant behaviors. Which is where money stresses you out, so you ignore your finances and you end up in a cycle where your finances get worse and worse as you ignore them. They seem like nice people, I hope they can turn it around.

[@scottdabeast2138]

Hey Caleb, I just wanted to say that you have helped me out tremendously! Although I am just 17 years old, I discovered you this spring. I had a job and a car payment to my dad that sometimes I wasn’t able to make due to bullsh*t spending. After I continued to watch your videos I realized that I had to change. So I went over my bank spending and noticed that all of my money was going to food and stupid things and I only had $100 in my checking account. By watching your videos I was able to save over $2000 in my checking account and gonna move it over to SoFi when I turn 18 this fall. And I am able to make all my car payments to my dad. Along with this I was able to set up and start a successful, cash flow, business! I just wanted to say, if you see this comment, thank you so much for the help!! Planning on attending college next year for a degree I WILL USE!😂

[@flonkas]

For you to start all this at 17 is incredible. You’ll never end up in a hole that you’ll have to dig yourself out. I’m 32 and discovered Caleb this year and have been digging myself out of the hole I’ve been in my whole life. I was never taught anything about finances and I grew up in a house where everyone was always in massive debt. It was just normal. I learned from Caleb that it is not normal and I can be debt free. But you’ll never have to go through any of that because you started at the very young age of 17. Good for you

[@dillmon1]

You are lucky to see this now. You should definitely also start a retirement account - then you’ll really be in a better financial situation than everyone else.

[@sceletonplay2564]

You go! But I'm worried that kid paying off their parents debt. It's awful 😢 But you will be in a better place, I believe ❤

[@unuesokami8736]

Good shit bro I could say we in the same boat brotha 👍🏽Also what business are u looking into getting into bro

[@whoismarkallen]

You’re starting at a great age. Make sure to take full advantage of an IRA. Lots of employers also have a 401K do matching as well. Want a new car or to save for a house? Start building a relationship with several credit unions, local or not. They offer great interest rates and will help you get the loans you’ll need. Invest in yourself and your future!

[@michalstelmach4203]

She bought an entry level BMW X1. It’s a small compact car and she will pay $82k with interest for this piece of shit. It’s beyond imagination!

[@robbank8027]

She has business degree too... college inflates your ego.

[@deirdrekiely6187]

But it makes her look wealthy ....lol.

[@drscott7359]

Had to have features I shopped for new only when I bought my last Audi and looked at bmw and entry level basic was in the 40k new. So used 60k means either she was ripped off or was the top of the entry level.

[@zSirukx]

He looks like such a cool guy, you can see he’s a good soul in this world.

[@sperry9450]

Felt really bad for the husband. Her reckless spending on the BMW really sunk them. Good luck to them.

[@AmbitiouslyMotivated]

she was so selfish when she did that; thinking only for the moment, not for their future.

[@LaSombraa]

And also the student loans… like 90% of the debt is hers lmao

[@packergeek10]

@@AmbitiouslyMotivated And you know what will happen. 30 years from now they will run a documentary about poor people and she will be crying at a table telling how the system is so mean to poor people.

[@amp2193]

Perfect example of "nice guys finish last" Got to keep your women in line! Or get one that just stays in line herself 😂

[@DontWorryUllDie]

she bought it when he was gone? He supposed to break her legs to stop her from driving to go buy the car? lol@@amp2193

[@mw6346]

If my wife went and bought a car behind my back after i made it clear i didn't want to buy that car. We would probably be getting divorced. If someone is willing to do that you obviously cannot trust them financially.

[@Tsundemo]

She’s a sociopath. Notice how she uses the face of “taking responsibility” to convince Caleb that the debt and debt choices aren’t as bad as they seem, notice how she lies pathologically to be seen in a better light regarding credit card debt that went to collections, watch as she over praises Fernando because she knows the current power dynamic suites her better if she lives to leech off of him. The whole episode she’s done with that raspy reflective tone with no nerves or anything not because she wants to be responsible rather because she’ll do whatever it takes to improve her situation with as little sacrifice as possible. Sociopath.

[@Rennie212]

@@TsundemoI mean when she was talking about her retirement she sounded like she was on the brink of tears

[@StaciaBielka]

Honestly, context matters. For example, my husband and I have no debts and both save our own money. If him or me ever decide to buy a car, the other one can obviously discuss it, but I wouldn’t stop my spouse from spending his own available money on a car he wants to have and can afford. Neither of us would ever end up taking 16% loan on it though, that’s for sure, but it’s kind of not even up for discussion, we just both know better, by default.

[@TrainingBonsai]

I really enjoyed seeing their transformation through this episode! They came in feeling hopeless and alone, then leaving with smiles and a common goal. If they can truly stick to this plan they will see huge success in their marriage and in their finances. This episode was very encouraging to me! Thank you!

[@janegarnham]

I agree

[@case1516]

If she’s not working and she fully admits he takes on all of the responsibility of the bills, she should be out washing their cars instead of complaining that he only washed his car

[@jeffyboi6969]

nah she too busy throwing their life away for 2020 BMW's while also claiming she'll go "cook and clean". yeah sure you will chica

[@Dan16673]

100%

[@Dan16673]

​@@jeffyboi6969she is giving the poon and he is ok w it

[@TonyCox1351]

Nah she was right to complain…who spends $28 on a car wash when they have tens of thousands in debt from personal loans?!

[@ianmacdonald4163]

​@@TonyCox1351someone who's destitute wife buys a car that some millionaires cant even afford.

[@brooke225]

She asked “how” it helps people watching. It helped me by watching other people’s stories and the trouble they are in and to identify what changes I need to make so it can get better for me. I have had a second jobs now for a few months because of these videos. I want to change and correct my spending habits and get on the right track. Thank you Caleb and everyone who comes on for these videos

[@creandomidulcehogar]

Thank you !

[@zipaktlitheillagator8418]

I actually canceled 2 subscriptions while watching this 😅

[@kwilt]

Initially, I felt bad because I thought the debt was going to be due to losing the job since that's how the episode started. But all of this debt was willing and intentional purchases that were almost all entirely unnecessary. I've never heard of such an insane car loan... 1k+/mo for SIX YEARS at 16% interest??? WHAT

[@sknone00]

This was probably one of the most relieving episodes to watch after seeing the entire video. I hope they really get it all squared away and start their happy life soon!!

[@averageamerican8607]

Oh my god that car debt is rediculous, that salesmen was jumping for joy on that commision. Also fernando is so wholesome

[@WonderWhile]

That man is livin large this month off of them

[@Lazirus951]

BMW X1 while living paycheck to paycheck. Ouch.

[@stephanielopez8799]

Will say as a viewer of this show has given me a great wake up call. It made me make a budget again and actually learn a lot of financial tips for my situation. I’m 1 year out from a wedding and it made me take the finances seriously and see what we can afford. Thanks for joining the show and thanks Caleb for being consistent

[@creandomidulcehogar]

Thank you for sharing!

[@4kspence]

Yes i agree

[@RoamingwithJasmina]

I discovered Caleb’s show…binge watched it ever since. I thought I was making generally pretty good financial decision but after binging I increased my savings and 401k and cut down on spendings that are not really necessarily. Seriously this show should be mandatory for teenagers and up…so little emphasis on financial health in this country.

[@tycameron3331]

I been binge watching the last like week 😂😂😂

[@maxgucciardi4507]

​@@b23beatzmake them watch the 41 year old man baby one, its funny so maybe itll keeps their attention

[@tycameron3331]

@@b23beatz listen I have a friend who had to move back in with his parents because he accrued so much debt. Like taking loans out to pay off cards. Then spending on those credit cards. I sent him some channels I watch like Caleb, Graham and Nischa to help him get an idea of next steps on how to be more financially stable. He texts me back verbatim: “Thanks for the suggestions, I definitely watch different stuff on KZbin”

[@lindajohnson.]

Seems like a very considerate couple. I hope they can find a way out of this debt.😢😢😢

[@gerald3389]

Why teach your future debt owers financial literacy? There will be major loss of money from scumbag loaners.

[@XevilangleX]

This channel is pure value, im glad she realize this. I have 4700$ in credit card debt and i already payed off 1 card and canceled it and am sitting at 3700$. I have plans to already pay off another card and continue this trend. Once i finish my credit cards im planning on paying off my car quick and thats what im truely excited for. Debt is like being sick and congested, once you take medicine and seek help you can feel the progress and are able to brethe again. Im excited for that.

[@seheine]

I think Abby has a terrible attitude and perspective, and I can’t blame Fernando for not wanting to combine finances with someone who went behind his back for a 50k+ car or who can’t come up with an honest reason she may have been fired.

[@John-du2mq]

Her going behind his back on something else is probably what got her fire as well

[@mithicash1444]

​@@arkive11Nailed it

[@elizabethallen4353]

Her constant justification and qualifying is very annoying. There’s a poor me thing going on.

[@emericaman16]

Sneaky af her coming to the audit without providing all her stuff

[@somethingawesome1462]

I thought it was wierd. Even though he is paying for most things currently, but debt is shared between them

[@daniellebrackett4905]

Weird as it is, I think the hat lends to that perception too. Hard to tell someone's intentions when you can't see their eyes.

[@ryanperreault6453]

She also bought a car, a very expensive one, behind his back. There's a lot here that I think is being disguised by the sadness they are portraying. Hopefully they figure it out together.

[@deechan6894]

Thought I heard her say that Apple paid for her bachelor's degree... if so, why is she in so much student loan debt? I need to watch again later.

[@ryanperreault6453]

@@deechan6894 I believe she said they would reimburse her after a period of time, which appears to be out the window after being fired

[@KyleFerguson]

Man, I look forward to their update. I'm cheering for them to be at a better place. They seem to be good people with good attitudes.

[@Tsundemo]

She definitely puts on a front here. Idk how people aren’t seeing it.

[@creandomidulcehogar]

Thank you for the feedback and encouragement. Stay tuned for an update :)

[@sameerahmohammed6622]

Abby is so condescending for someone that made a mess out of her own life

[@millardfilmore1403]

im sorry but where is the condescension? she seems incredibly fragile and on the verge of tears the entire time! what?

[@sponge10174]

A very specific benefit to viewers that she doesn’t seem to be thinking about or seeing: there are countless people out there considering financing a new expensive car. Any viewers in that position can see where she has ended up as a result and (hopefully) will start to really think about the impact that decision rather than the impulsive feeling of “I want the car”

[@creandomidulcehogar]

Thank you for sharing!

[@julius43461]

Nah, people will still think that it can't happen to them. It's the side effect of optimism and a high in life to do something like that. There are those times in life when you feel like everything is finally going your way, and you cannot even comprehend that your quality of life would drop.

[@shwakoue890]

I watched the show a couple months back and I was financially in a mess and nearly bankrupt. Watching these shows DEFINITELY inspired me to fix my spending habits and change my ways. It is a long journey but I have been sleeping better ever-since getting my accounts in order and become wiser with my money. I advise any friend or family to watch Caleb.

[@creandomidulcehogar]

Thank you for sharing! I’m glad your situation has been influenced in a positive way through Caleb’s content!

[@rikkifashionhouse6592]

As a partnership, how can you win when you are this divided? This is so concerning.

[@joelwillems4081]

This audit is helpful but they need to go to marriage counseling now after it.

[@tear728]

I think they took "divide and conquer" the wrong way 😅

[@amyk.2500]

It appears he was married before and has trauma from it. Which is understandable, I’m divorced too and it’s hard. But marriage is a partnership!

[@TheTruthiest]

@@amyk.2500 Yeah ,he shouldn't have gotten married again until he was ready

[@user-ey4ut9uc8w]

That’s harder than it seems when she’s got so much in collections, so much student debt and got fired. He was in a previous long term relationship as well so I’m sure that also affects him. Marriage doesn’t just magically get rid of those insecurities.

[@alexisgordillo6854]

I’ve worked at the same company before; if you got fired from Apple, you had to have done something horrendous. It was almost impossible to get fired from there from my own experience.

[@kungfoochicken08]

Especially to get fired with no severance at all.

[@mithicash1444]

She was probably working on school stuff during work hours and her productivity was in the shitter. She made it sound like working on her masters takes her as much time as a full time job. Some people take more time than others to study, so I doubt she did it all on her own time while working

[@OlegAryutkin]

@@mithicash1444it’s an MBA, not a STEM degree. Basically impossible to fail, and takes very little effort to complete

[@brittanyfosberg1029]

This is why I talk to my boyfriend about my finances openly. How do you get married to someone and have such separate financial situations? I’m glad they warmed up to the advice and seem receptive to it. I hope they can get out of this debt, benefit from counseling, and live good lives.

[@davisholman8149]

Good girl - money problems are one of the top reasons for divorce.🤑

[@JustOnePageAway]

I almost passed out at that car loan amount.😢 I really like this couple and enjoyed their audit. I can understand her feeling guarded, this is a very sensitive subject for the world to see, but I agree with Caleb, it helps so many by learning along with them. We all got the wake up call and guidance that this couple received. I look forward to their update. They will do great!!!

[@turtleanton6539]

Feels like rhe dealership took advantage of her. Bigtime.😊

[@christinapearce9655]

Hmmmm got fired and “doesn’t know why” and didn’t share her half of financial statements……👃🏻🐠🐟

[@AnalyticalMenace]

Fishy fishaaaay🎶🐟

[@LeviWhalen]

I love that you put counseling as a line item in their budget. They need the help! ❤

[@BLACKAAROW]

$700 a month for a 2012 F-150 is nuts!

[@ap0oth3kary]

This is the first audit I've watched where Caleb doesn't get too squeaky high pitched. I really appreciated this couple. They're screwed now, but they have potential to get out of this and be the best case scenario follow up episode.

[@squashforsale8466]

He’s become aware :(

[@mithicash1444]

He knows the situation is truly desperate for that couple, I think any kind of comedic relief would make a disservice to the episode.

[@ap0oth3kary]

@@squashforsale8466 haha I'd agree but he got pretty squeaky for Paris. Moreso than usual!

[@cleanclean4031]

​@@ap0oth3karyI couldn't care for Paris at all lol. I tried. I was in a relationship with someone like her. Daddy paying big bills and still couldn't make it.

[@deirdrekiely6187]

Valium? Xanax??

[@sallyuNKY]

Uhhh...you go to the courthouse, you request a title search. You pay a fee. New title sent to you. No excuse.

[@lizzie1897]

That’s a good tip Caleb about batch cooking. Less waste and nothing fancy, which costs extra. Hunker down!

[@jenjentendo]

I’m 15-mins into this video and this couple is probably the most calm couple I’ve ever seen so far on the show. I am very confident that these two will be able to get out of this debt. Godspeed to the both of them!

[@deirdrekiely6187]

Calm doesn't mean smart.

[@jenjentendo]

@@deirdrekiely6187 True, however, in order for them to take things into a logical approach, they need to take away the strong emotions, set them to the side, and tackle their debt in a matter that will be practical. Their previous choices may have not been smart, but they will learn from this, and redeem themselves now to better their futures.

[@creandomidulcehogar]

Thank you for all the feedback! Stay tuned.

[@thedude8526]

The fact they are so calm when they are in deep shit is not good in my opinion.

[@ashmeyer21]

Keep these couple audits coming Caleb . I've learned so much so far and it helps with the tough money conversation that need to be said in any relationship.

[@BlGSac]

Abby sounds chronically sad, feel bad for the girl. Hope they take your advice and take control of their financial situation

[@markattenborough9107]

She sounds broken over the ordeal. I really felt for both of them as they reminded me of how my parents were when I was a kid and they hit their rough patch financially.

[@jet4415]

It’s horrible to get fired. However, the first time is the worst, after that it is easier.

[@carlosrendon5396]

Don't feel bad for her she knows exactly what she was doing.

[@stephaniemiddleton3740]

That firing from apple sounds like a personal blow for her based on the emotion in her voice, it makes me so sad

[@wltrs_srtlw7349]

She did just get fired