Wife Brought $100,000 Of Private Student Loans Into Marriage | Financial Audit

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[@darz09]

The dig at her dyslexia 🚩 "He runs the finances" 🚩 "I don't spend money unless he approves it" 🚩

[@sdot5389]

I work as an assistant to an austistic guy running an internet model train shop 🚩

[@Gekkco]

@@sdot5389she got a master degree to teach art 🚩

[@kichigai548]

I never allow my wife to speak AT ALL🚩

[@user-it6uu1ej6c]

100k debt 🚩🚩🚩🚩🚩🚩🚩

[@alicjafalkowska9613]

Yeah it sounds a little abusive doesn’t it, I mean I do understand that they are in debt but she has no say in anything and he gets to spend whatever whenever. He even authorises what she can and cannot do with her money and him saying ‚oh that’s too much on food’ as well kind of angered me when Caleb always goes for basics and with health in mind

[@AEMZIFFY1]

The fact that she doesn't have access to the internet unless her husband is home and gives her access to the hotspot🤢😵

[@carahowell874]

He’s very controlling

[@foobarFR]

That's not the only red flag in this video about their relationship.

[@kathleenmcbride1471]

No way I would ever allow anyone to do that to me. Rather be dirt poor and alone.

[@dixiewinxeqandmore356]

That's a very traumatizing aspect to experience... ask me how I know

[@turnipy88]

She has data

[@jeremiahsmith450]

Hearing this guy saying “my financial portfolio” like he’s Warren Buffet is cringe. Then come to find out he’s got $3k is hilarious

[@AWesker99]

😂😂😂

[@kyhl6159]

😂😂🤣

[@kungfoochicken08]

Yeah, but you don’t understand. He has 50k in a business that’s so profitable it has debt at 10% APR that it can’t pay off.

[@nworthem]

😄

[@Fadibahu]

WHEN HE DOUBLED TAPPED ON HER ARM TO STOP TALKING OMG. CRAZY

[@mikeo2682]

Time

[@jchristif]

Same. My baby would have gotten the death stare. I wouldn’t do that to him either

[@Unapologetically_Feral]

WHAT. I missed that. But doesn’t surprise me one bit

[@hollowkid97]

Nun wrong with letting her know she needs to lock in

[@awill3454]

@mikeo2682 11:30

[@kazclaire1007]

The fact that he had the audacity to tell her that her insurance is too expensive and her gas is too expensive but he drives an M3 for fun every month or so is ludicrous to me

[@Cattlynt]

This dude is nothing but audacity

[@lonestarrk9308]

@@carahowell874 The pickins get slimmer the older and fatter you get. Remember that.

[@pinkisforpimps]

Oh she screwed her life marrying him 🤦‍♂️🤦‍♂️

[@whitneywillie4471]

hes investing in himself so its ok

[@lonestarrk9308]

@@carahowell874 It’s not that hard to understand. She married him because she needed help and he was her best, and probably only option.

[@deannabanana1983]

Sis is sitting in a Starbucks right now using the free internet to read comments about how she’s in an abusive relationship. Hopefully this is a big wake up call for her!

[@BatmanBeyondBelief]

Yea she needs to take on that debt by herself and grow into her own adult. This aint it

[@CrackberryMe]

Facts. All Facts !!

[@Benedict00_ItchyManko]

Yeah she's lucky he's stayed thing long and is willing to help her. She gotta go

[@sanjicook08]

Yeah she should leave him and relieve him of her incredibly irresponsible (hidden) student loans! She obviously uses her crying on command as an abusive tactic.

[@HazmatFatCat]

Sis needs to be working in that Starbucks as a second job. She's 100k in debt for a masters degree and makes less than her husband who taxis and autistic guy around.

[@spencer6044]

“I invested in myself by buying a car…” I don’t think you know what invested means buddy

[@kalebjohnson947]

E46 M3's will only go up in value

[@FreeSmokeWL]

@@kalebjohnson947 not if he’s using it as a track car

[@nop2774]

There's a world in which this reasoning makes sense (Maybe getting a car lets you get a more high paying job) but this guy lives like a few universes over.

[@jocelynsloan7801]

That one got me. You invested in a depreciating asset to improve your hobby skills 😂

[@ericakusztos3394]

I used to have a 2005 330ci ZHP (a step below the M3) and the insurance was crazy at $200 per month (I paid $4700 cash for the car). And anytime something broke it was minimum $300-$400 and my husband was a car mechanic 😅

[@ss1234ever]

This is a scary relationship. Feels like they came to this audit to showcase how “smart” he is and that he is not the problem in any of this. He’s so controlling that he has a job where he “controls” someone else, calling it helping an autistic person. But it puts more control in his hands.

[@marcellom]

This dude seems to care more about Caleb thinking he is smart than about his wife's feelings.

[@rickyjackson8872]

THIS!!! I was loosing it with the UNNECESSARY overly worded explanations. Ugh! The ick. 😂😂

[@kungfoochicken08]

@@rickyjackson8872The “mathlete” who didn’t understand percentages until a few years ago gets me.

[@MrsEJV]

I felt the husband wanted to run the show for Caleb. “We’ll talk about that later”. Everything was “I” or “me”. You’re married my friend. It’s now “our” portfolio, “our” investments, “our” debt.

[@alexpbudgets]

I know that he's nervous, she's nervous and overwhelmed. But Jesus that guy SPEAKS. there's always a story with him. Infuriating honestly 😅

[@jeremygmail]

He'll learn hopefully. He just got married. Once they got on top of their plan, she will have more confidence and he better watch out! :)

[@rest0re871]

Seriously... it's exhausting to watch. I do appreciate what he does occupation wise though.

[@Aberrence]

Agreed, feels like he is a control freak. Especially when she has to get his approval on all spending, but he gets to have an BMW to "invest in himself"

[@jessdaniel5881]

He definitely seems like he’s trying to sound smart and kind of “show-off”

[@francescaclaire3121]

I’m scared he married her because he knew she could never afford to leave him

[@joshuakeller6687]

This guy wants to take over this audit so bad. Props to Caleb for staying professional and keeping this control freak in check.

[@robertpalos564]

Yea, Caleb has alot of patience

[@montuckyhomegrown]

Omg my comment is the exact same 😂

[@Vazzini42]

This guy is spending how much time chasing 5 cent savings on gas and shuffling money around chasing percentages? Paying off big debt takes

[@moniquecastelo]

girl, if he can pay $80 dollars a month for car insurance on a toy, you can have Wi-Fi at home, I'm non-confrontational but damn 😮 stand up for yourself

[@AnalyticalMenace]

There are about several dozen red flags that pop up throughout this entire conversation. I don't wanna be "that guy" buuuuut....I don't see this marriage lasting more than a few years. Not without some serious marital counseling/intervention, at least.

[@Allison_Hart]

Yeah and then he tapped her arm at 11:32 like "stop talking" that was hella weird

[@OhsoWoobie]

she already acts like she can't stand him. I'm shocked they just recently got married, you'd think they'd be in honeymoon phase.....@@AnalyticalMenace

[@lindajohnson.]

She seems beaten down! I would run as fast as I can to get out of this relationship.😢

[@bridgemixx3653]

Well said!!

[@by9199]

“She’s dyslexic” no one asked but he freely shared it 😂

[@Dan16673]

Not seeing the reason he married this woman. Must be something We cant see ;)

[@joycef8443]

Nice of him

[@natashawilliams1694]

I noticed that too.

[@DoctorSmartyPants]

Not only that, he himself is clearly on the spectrum.

[@lindajohnson.]

That was unnecessary for him to say she has dyslexia.😊

[@user-co5cm7qt7u]

He is a good example of why I tell my girls it’s better to be single then to be in a marriage and be miserable.

[@Holdonc]

It seems she feels no one will take her because of her student debt and he has her convinced she is blessed he married her and her debt.

[@richardkm5355]

@@Holdonc And she's right. No financially sound man will get a woman with lots of student debt, and still reckless with money spend g. She better divorce the man, and pay her debts alone. Remember, she's strong and independent and don't need no man. Right?

[@chattingman6777]

The husband is absolutely correct. Look at her situation and flip it would you tell your son or brother to start a relationship with a woman that has 120 thousand student debt. If you say yes then your monsters who don't care about your family.

[@richardkm5355]

@@chattingman6777 exactly

[@bo5824]

Do you tell your girls that a marriage that isn’t miserable is a realistic option? If not, you are doing them a disservice.

[@triciaknox7824]

She doesn’t want to talk about finances with him because it’s likely not a discussion. He talks down to her and that would rightlyfully make anyone cry.

[@silverplug]

Person: "I work with an autistic gentleman." Screen: *works with autistic dude* ☠️☠️☠️

[@buggld]

LMFAO

[@silverplug]

@responsibleaccount3918 my best guess is that it was a placeholder that did not get cleaned up at the end.

[@maydaze5934]

It feels like it was on purpose bc he was so vague about it. His real job isn’t driving him around, he’s doing it and getting subsidized by the govt program.

[@justkeepswimmin]

I bet it's due to word length and keeping the font a consistent size. But then the guest started calling the "gentleman" a kid over and over, so "dude" doesn't seem so bad...

[@turtleanton6539]

​@@arkive11as an autistc dude i agree😊

[@aortiz233]

Love how Caleb straight up said “is this healthy?” when she said she doesn’t spend money unless he approves it

[@kateburrows7844]

This part. He realized their relationship isn't right. That's why he wanted them to go to marriage counseling. I doubt it was really about the debt. I think he wants a therapist to let them both know this shit is abuse.

[@krissyrific]

Yes - really proud of Caleb for calling out homeboys bs. “Oh I’ll follow it.” “That’s not how marriage works.”

[@23kurtzy]

Gee I wonder why the person 100k in debt should have someone check what they are purchasing.

[@krissyrific]

@@23kurtzy probably not wise to have the expenses checked by the fool who happily took out a loan for a train business with mystery financials.

[@ryanstradford9771]

​@@krissyrific the good thing is when you arent in debt you can invest in whatever you want. But if you put yourself 100k in debt you dont get the privilege to spend money on stupid shit anymore. He shouldn't have to approve her on spending anything ideally but if shes shit with managing money if he has to approve her spending it would be best. She may not like it as it limits her. But it can be in her best interest.

[@covermeinadream]

I would take double her student loan debt before I’d take a man like this.

[@tiffanyroberts5993]

The fact that he disregarded the “train cake” reiterates the fact that he doesn’t value their wedding, marriage or her family. Run girl, run!

[@bowebusi]

Buying an m3 while in debt is absolutely outrageous and irresponsible.

[@jeremygmail]

an old one at that!

[@KingCobra023]

but holy shit so worth it, awesome car

[@salo1129]

He bought the car before the marriage and he doesn’t any of his own debt. So not exactly irresponsible.

[@jeremygmail]

@@salo1129 I dont disagree with any of your points. I will say though once you get married it is no longer my car but our car. If they can afford the upkeep on the car given what they are trying to get out of, then more power to them. If not, they need to find a better solution. I know from my own personal experience, I had to downsize my really nice car when I got married because the monthly payment was going to break the bank since I got married and then we had a kid right away. I hated having to make that decision but it turned out to be the best one. So here is hoping they can afford for him to keep that car.

[@ReddingRed]

There are the people that want us to forgive their loans and take on the burden, Mr. Biden?

[@kimbus101]

He speaks about his job like he is a special needs professional but he just picks up a colleague and they work on trains together

[@jacquigonzalez5447]

Who he pays through a government grant to make trains… and Caleb is paid how? And doesn’t have state income tax… but it’s too much to get into. This guys a grifter.

[@gregsug1640]

I'm an intervention specialist and he's not describing any job I'm familiar with...😒

[@beetlejuice424]

They both lick the windows on the ride to work tho

[@hammanta]

@@gregsug1640I am as well. He is more than likely a caregiver through Medicaid. I work in Virginia but if I recall right Maryland has fairly good services.

[@steph7783]

@@beetlejuice424 it's pretty bad how this made me laugh

[@ryanra44]

As a married person, she needs to RUN…… this relationship with this man will NOT be a healthy. If I tried to run over my wife like that, I would be super divorced

[@Kaine47]

The guy is a narcissist but 6 figure debt for a job making 600 a week is crazy

[@Cattlynt]

This is a borderline financially abusive relationship. He controls her spending. She has to go to his parents to use the Internet. He cuts her off when she talks about his spending. He has admitted multiple times to causing the bulk of the frivolous spending, yet he questions all her purchases? He’s thrown $50k into a business that he doesn’t know the financial health of, yet he holds her debt over her head. Honey. Get out. Quickly. Edit: if you doubt his controlling behavior, catch the double tap at 11:30 effectively telling her to shut up. Gross!

[@TsbzNick]

Borderline abusive relationship

[@bonnuitmonchere]

COMPLETELY agree

[@pixygypsy]

1,000% THIS

[@louelaine3680]

He can get out anytime. As long as he has $50,000 to pay off half her debt.

[@user-bi2kf1ns8u]

yep, exactly. i'm worried for her

[@rebeltango]

"That's just the framework of my brain. Engineering and math. I love it." Says the man who had no financial plan before sitting down for this show, as though he came up with a 2.5 year plan to pay down their debt all by himself.

[@Raphanne]

And wants to buy a company without knowing anything about it's viability. He sounds so smug and self-congratulatory.

[@plasmacakes]

That line got me...he is RIDICULOUSLY smug 🤡

[@christinewatson1989]

I have SEVERE dyscalculia (fancy talk for retarded at math) and I can manage money and stay out of debt. He's NOT a math person if someone with a math IQ of 68 is doing better than him!

[@Aardvark8]

I just got there and had to pause the video…. I actually have had to pause so many times just to compose myself.

[@theconservationist5662]

And felt the need to mention he was previosly a mathlete lmao

[@hannah31038]

Thank you Caleb for not talking her down! The tap on the arm cutting her off, the husband constantly explaining HER situation? I really hope that she’s fine…

[@craigfox1572]

The INTERNET leaves when he leaves the house????

[@austink641]

Five minutes in: Him: “We’ve been married 2 weeks” Her: “3 weeks” Him: “I stand corrected” Her: *rolls eyes This should be a good one…

[@RJWaynerium]

Honestly who cares lmao

[@Sar-ahG]

I found it funny she was a stickler for that and then a few minutes later she didn’t know how many years they had been together

[@esmeraldaparker2137]

​@Sar-ahG I mean they literally just got married though and a marriage date is a huge important date to remember compared to their first date/when and if he asked her out date

[@Prometeus21LcEvent]

11:30 the tap :D

[@Notorious_Grey]

@@esmeraldaparker2137 I wouldn't die on that hill. Your time together is more important than your wedding party.

[@ryanlemmers5300]

This was the most painful audit yet. The narcissism coming of the dude is seriously creepy.

[@zoer8225]

I’ve never been this triggered by an audit but it feels like Caleb saw right through him

[@Twinkie989]

He's as bad as Taquitos dude, but at least Taquitos dude stayed single.

[@stuff1784]

@@Twinkie989 😂

[@ryanlemmers5300]

@@Twinkie989 Math genius and Taquitos boy should hook up and do a couple’s audit 🤣

[@andrew8168]

This guy is creepy, annoying, and infuriating all at the same time. Glad he married her tho so we (taxpayers) can recoup the senseless loans she was given.

[@miketexas4549]

Ma'am if you're reading this. RUN. Run away from this man and never look back.

[@Wilma.Flintstone]

The look on her face at the beginning while he's describing his job is telling, it's clear she's fed up with his bullcrap

[@trackee2024]

Marrying this guy was a bigger mistake than her student loans.

[@meishamom7298]

I totally agree! He seems to be abusing her emotionally!

[@Mememeeeeee]

I’m trying to see what she saw and how she feels about her decision. And the constant “birth control” comments made me feel like he’s pressuring her to take it. Just a thought, idk the truth.

[@firstlast-er9jq]

There both losers so they deserve each other or nobody at all tbh. I wouldn’t wish anyone who is doing be stuck with either of these 2

[@synthWizkid]

He's a nerd. She thought she'd be getting security. He's a train nerd

[@matthewrobinson5403]

Ummmm... She brought $100,000 of debt into the marriage and he stayed.

[@user-vu6lm7xm8r]

Girl. It is alarming listening to this conversation. Money aside, he controls everything. You can't even be on the internet in your own home without him there. Listening to him talk over you and even Caleb is wild. And let me tell you, you will eclipse him with your job and salary. He talks a big talk but $28/hour at his age, with no career trajectory, he is holding your debt over your head instead of seeing it as shared debt now that you're married. Take control of your finances and learn about your money. You have a masters and are a badass. Get it girl.

[@Alexis-ec9cl]

I agree. I hope she sees this. Many educators have 70-100k in debt. You can get some of that forgivin. Don’t let him make you feel bad. It’s normal

[@csx6910]

Since he was fool enough to marry her and put himself on the line for her stupidity, he has every right to dictate to her what they're going to do because even though his career isn't all tat hot, it's better than what she has going on. He's essentially married to someone that needs to be taken care of.

[@Cattlynt]

@@csx6910he has absolutely NO RIGHT to treat her this way, it’s downright abusive. Especially as he has shown he cannot be fiscally responsible at all, adding debt, out of control spending, and dumbass investments. He knew what he was getting himself into with her… I don’t think she realizes what she was getting into.

[@tranquil5892]

I was on board w the comment until we decided she’s a badass. weird addition.

[@mmmd3429]

​@@Alexis-ec9clShe can definitely move to a school with teacher loan forgiveness. She will have hoops to jump through but is worth it. She could accelerate past his wages in 2 or so years. Possibly sooner if she moved states.

[@makvist]

10 minutes in and I can already tell that the dude is a narcissist and she needs to run away from him

[@HeatherLynn-bs9js]

I want the video post-divorce.

[@mirandalgriffin]

WE’RE cutting back to contribute to MY portfolio. Willing to take from her but not willing to identify the portfolio as theirs? Red flag.

[@MegVanAbi]

I liked when Caleb asked how much they had in savings and the husband started on another tangent, the wife snickered when Caleb shut him down and made him get to the point. 🤣

[@lindajohnson.]

Caleb, has to cut him off before he starts bragging again.😢

[@Infamouscujo]

Lol I paused the video at that part to find this comment. I giggled , I'm like I'm not the only person who thought that. This guy must do this ALLLLL the time, that's why she laughed

[@PolishedMobileDetailing503]

that happened, I laughed, and read this comment about it all at the same time.

[@deirdrekiely6187]

this guy LOVES to dodge questions because when he has to answer them you see how little he has to show for his bragging.

[@trubin12]

Oh I just saw that and Im sure she feels good about him being put in his place

[@angeleyez4lyfe]

14 minutes in and all I keep saying to myself is this guy thinks too highly of himself and needs to be humbled while this girl needs to get out of this relationship, go back home with her parents and sort herself out financially and emotionally. MY GOD...the double tap on the arm is SENDING ME...

[@fiestygemini2379]

I understand the husband is more financially "aware" than the wife but the first 11 minutes he really grated me! He interrupted and would not let her talk. How will she learn?! I can't see him working with someone with a disability as he takes over.

[@Angela-ne9cy]

AGREE!! I couldn't tell if he was just nervous or if he was truly as controlling as he seemed.

[@minifern7733]

Did you see the tap on the hand when she tried talking 😢

[@missmia196]

​@@minifern7733yes I JUST saw that & ran to the comments!!

[@DobberOT]

Omfg yes. So annoying

[@stampinprn]

He is annoying and controlling. I don’t see them lasting unless he changes.

[@Kle34]

Came for the financial audit, stayed for the relationship drama

[@techboy95]

So there was something huge missed here. Miss private school art teacher is severely underpaid and it doesn’t matter that this is just her 2nd year as a teacher. The *starting* salary for Maryland teachers in Baltimore county public schools is $51,751 and it’s like 1500 more to start out with a masters but instead of maxing out at step 10 it goes all the way up to step 30. I’m sure public schools might be harder to get into and probably require certification, but she should get on that! To substantially boost her income! Oh btw if you are certified then it just goes up from there. Also these numbers I found are from the 2021 school year! I know salaries are a decent bit higher then that in other states so maybe it’s even more in Maryland now too

[@francescaclaire3121]

I’m a teacher, and yes, although private schools sound fancier, they actually pay much less than public schools. Theres a chance she doesn’t know that since she doesn’t have a traditional education degree

[@2689vjavier]

As a first year teacher with a masters she would be at 63456 a year in the area she leaves in. She may have to take a couple classes and tests for her license bit it would be worth it.

[@YaBoyPhones]

If you’re in highschool watching this. Please go to community college. Do not waste 2 years of Gen-Ed credits and 40+ thousand dollars of money you don’t have. I thank my father every. Single. Day. Of my life for forcing me to go to community college. 17-18 year old me had no idea the situation about how important that money saving decision would help me.

[@wellsdavidj]

Anyone else get the vibe he does what he wants, and all of this is her fault? If he feels that way they aren't going to last much longer.

[@turtleanton6539]

Yeea😊

[@whitneywillie4471]

yeah he seems like a know it all who only came here hoping Caleb would praise him and chastise his wife..smh

[@pixygypsy]

For real. It seriously seems like he is disgusted by her, and expects to be sung praises, while just piling all the guilt on his spouse, right in front of her.

[@louelaine3680]

I guess you could say he married $100,000 worth of debt. For better or worse!

[@Doctor_Riptide]

I mean he wasn't exactly subtle about it. Constant venom coming out of his mouth the entire interview.

[@thefaultywaffle7841]

He is very very controlling, almost mentally abusive to her. He has to have the final say, doesn’t let her speak, and is a Mr. Know it all. Gotta love it.

[@nomoregunsinthevalley]

Yes his attitude in this is not saying good things about him…

[@willytodd2750]

someone has to take control when the other person is taking out hundreds of thousands of dollars in debt to teach kids to finger paint. Sounds like the woman makes horrible decisions, wow woah what a shocker.

[@AnalyticalMenace]

I sincerely hope the both of them watch this episode afterwards. They need the wake up call.

[@aidanealy5078]

Massive Cuck energy they shouldn’t be together 😂😂😂

[@carahowell874]

Yeah he’s horrid

[@6499SM]

Caleb, you handled her emotions with so much grace. She really needed that bit of comfort you gave her. I hope she sticks to the plan. The journey is not always linear, but if they continue, it is achievable 🙏

[@cracked229]

Why do people say they are "based" out of a location. Homie, you live there. You're not "based" there. You're not a multinational corporation.

[@margaretf667]

The audacity of this guy telling Caleb 'we will get into the later' 😂 omg, I would not have the patience.

[@elizabethallen4353]

I really liked how Caleb made sure she was heard. If she started a thought, he made sure she had the opportunity to complete it, with his full attention. She needs that.

[@heiroot]

Caleb always asks if people are living in a safe area, and if things are healthy. He seems like such a great guy

[@dorcasia109]

How is he single, anyways? But seriously he's found a really good place to use his hard earned skills and natural talent. What a blessing!

[@LilyEvans1996]

@@dorcasia109right?!?

[@MauricioMoreno-fz4oo]

@@dorcasia109 In a recent video, he mentioned he was dating now

[@The_Natalist]

​@@dorcasia109 Bet its because he's overweight and busy, i have the same problem

[@sjnewberg]

Are we sure he’s not really the one with Autism and his dad pays someone to spend the whole day with him so he doesn’t bother everyone at the office.

[@azhaircountess9798]

😂this had me rolling 😂

[@jocelynsloan7801]

💀💀💀💀💀

[@1da1da]

HAHAHAHAHAHAHAHAHAHAHHAHAHAHAHAHAHAHAHA

[@Dr.McMuffin]

Married 3 weeks, and CLEARLY unhappy with eachother. ooofdah

[@PrincessAudi]

I worry for her and hope she didn't get trapped in an abusive relationship.

[@freedomfrida]

Ya I'm in only 10 mins and it looks like she's trying to make herself look small. 😥

[@justinlarsen2281]

100k of debt for a useless degree to get a useless job… maybe she’s the abusive one

[@lorenzovonmatterhorn7402]

ACtually he got trapped.. shows you how much you know.

[@Cattlynt]

@@lorenzovonmatterhorn7402you’re right. She forced him down the aisle at gun point. He’s not responsible for his decisions at all. 😊

[@Cattlynt]

@@justinlarsen2281he chose to be with her, knowing full well the financial picture. His response is to control her spending, humiliate her, deny her internet access, cut her off when she speaks, and spend like crazy on his own BS. The abuser is very apparent.

[@maize3239]

It makes me so uncomfortable when parents don't tell kids about payments and loans KNOWING THE KID WILL HAVE TO PAY IT OFF LATER. Insane.

[@louelaine3680]

This was a grown woman who took on the debt, not a "kid". Her father took the debt on willingly. Did he do her or himself a favour? NO.

[@jaynez9027]

@@louelaine3680 you typically choose what school you’re going to and fill out paperwork when you’re 17 or 18 so she possibly was a child.

[@jaynez9027]

For undergrad at least, masters I agree

[@BigTummyAche]

I was thinking about this. Responsibility on the parents of course, however I def wouldn’t float around in college like “whose paying for this…” Especially after graduating.

[@mikemcniel3086]

I completely agree with this and my dad was a loan officer for over 30 years 😢...its the one that I frowned upon him as a father looking back growing up now I'm 41 and still nothing 😞

[@Ansmousoeesoj]

He can’t afford wifi for her but he can race a BMW?

[@AWesker99]

An old slow POS BMW...

[@dontmindmeimnobody]

caleb: this isn’t about who brought what into the marriage it’s about handling it as a team, it’s not constructive or helpful to place blame or feel guilty about it caleb’s title: Wife brought $100,000 of private student loans into marriage

[@mariocastellanos8231]

The husband needs to chill. That's your wife. Your life partner. The relationship is that of a parent and a trouble child who gets her cellphone taken away as a punishment. Not letting your wife spend her own money and having to APPROVE it is very alarming. Most cringe moments: She: "I don't spend anything unless he approves it" Later... Her: "You lay it out so simple and I'm wondering if WE can actually follow it" (emphasis on "we") Him (arrogantly): "Oh, I'LL follow it" (emphasis on "I'LL" This does not seem to be an equal marriage where both parties make decisions together. This is a marriage governed by a dictator. Ladies, if you're in a relationship where your significant other needs to approve your expenses, take a deep look at the relationship because that's not normal, healthy, or fair.

[@IAmebAdger]

There is hope yet. He seems to care when she gets unhappy and he admitted it's an unhealthy relationship they have and they need to figure out something healthier.

[@Nymphadora45uvyu]

Yes. Wow thank you. You said it so well!!!!

[@zoer8225]

And HER car insurance is too much when he has a toy car and can’t use internet unless it’s from HIS phone hot spot.

[@StijnLammens]

11:20 The look he gives her... 11:30 He taps her on the arm because... He wants to do even more of the talking?

[@NoESanity]

it's almost like one of them is an admitted shopaholic and the other didn't bring tens of thousands of dollars of debt into the relationship.

[@juliet4521]

3 weeks married and already seeing and hearing the tension. Oy I wish them well

[@user-ny5xe2hx7t]

Most rich people stay rich by spending like the poor and investing without no stopping then most poor people stay poor by spending like the rich yet not investing like the rich but impressing them

[@SandraPatterson-di6xh]

I'm glad I was introduced to forex trading and got the best teacher and mentor who helped me understand the financial market l'm grateful to Mrs Shanita 🙏🏻

[@LeonorFerreira-ur5th]

@@ClaudiaLiberti You don't need to be shocked because I'm also a huge beneficiary of expert Mrs Shanita

[@DaltonLeidemer]

Here in Canada Expert Mrs Shanita Creswell carries out both orientation and mentorship

[@MarcosAlonso-wx8uw]

I stumbled upon one of her clients testimonies and decided to try her out... I'm Expecting my third cashout in 2days

[@AnaOliveira-io1hx]

I remember friends calling me crazy when I started but i now shut them up with my four Figure weekly returned

[@voteforsomeonelse]

This guy took years off my life. I feel horrible for the wife and I don't know how she or anyone else could be with this guy for a single date... much less get married 😭

[@claff4573]

Yeah he doesn't seem interesting and acts really odd. Like dude, give your wife a break, i'm sure she has to hear him trying to sound smart 24/7 lol

[@courtneyharris1006]

She came in with 100k debt. They were both looking for a sucker so they deserve each other

[@breakingrocks6388]

He refuses to talk about his income from a business he claims he has sunk nearly $50k into, claims he doesn’t want discuss that income, and then claims he just holding the debt. In other words, he’s funding toys for him and daddy. His answers are so convoluted and shady.

[@danielllexo7659]

You could tell Caleb was so annoyed with the guy but he was being so nice and calm towards the wife 🤣

[@Twinkie989]

This is the difference between someone being outspoken and firm (Caleb) and having a personality disorder (Mr. Covert Narc over there).

[@87clits]

He knows he's a total jackwagon.

[@xaphan8581]

Agreed, they come on here to get help and he acted like a douche bag

[@TheWombat2012]

Why not criticise HER for racking up the huge debt and yet still being “a big spender”?? She is the one to blame who needs to be reigned in. That guy shouldn’t have even considered marrying her.

[@TheWombat2012]

@@87clitsso he shouldn’t help her control her “big spending” ways and help her try to address the massive debt she hid from him?

[@kariforgie457]

Caleb...you were so kind and supportive with the wife....kudos!!!

[@racheyl891]

Girl. Read these comments please and show your dad. No dad would want this for his daughter

[@Cattlynt]

To clarify his business involvement… he does not have equity, nor ownership of this private business, he ONLY owns the debt. Meaning he’s not entitled to any of the profits or success of the business, he can only be paid the fixed amount of the debt plus any interest. This is NOT an investment. This is a banking transaction. And a ridiculously silly one at that. He has no idea what the financial operations or overall health of the business is, yet he went and bought the debt. This is far too much risk for far too little financial gain. You’re not a bank and this is not a proper retirement strategy.

[@glitterstarbeau]

He seems like he thinks he's smart, but he is dumb.

[@noemi4x]

You can see the wife smirking every time Caleb puts him in his place... I truly hope she's okay and the relationship is not as bad and as unequal as it looks here. Girl, I want to hug you

[@sn4rl277]

Marriage is hard, then add $166k in debt on a small income like these folks have its going to be a tough first few years. Girls parents screwed her bad with her student loans. A $100k for a Masters in Art, teaching with a salary of $47k, going to be 2 decades of paying on those loans. Sad, parents are here to help their kids not shackle them with debt.

[@alex_rodriguez777]

44:43

[@LibertarianGalt]

I hope he leaves her and her toxic behaviour. She's an entitled brat tbh.

[@frogfinance4605]

she pegs him, 100%

[@The1234joe4321]

😂😂😂😂

[@christophervines9756]

This guy was the 4th smartest person in his graduating high school class of 12. He used the wrong "big word" at least 5 times.

[@Ali-je7tt]

This man was a mathlete in 8th grade, put some respect on his name

[@MHfanClub13035]

He just learned the word portfolio.

[@deni6276]

I remember a time when we were wanting couples to actually come on together and now we have some. Love to see it

[@fucuszullanti7877]

what, 2 weeks ago? yeah you should remember that

[@deni6276]

​@@fucuszullanti7877what? 😂

[@Sadreath]

Still waiting for that second microphone stand so one of them does not have to hold the microphone for an hour. With how thick it is it gives me handcramps just watching

[@Ixiink]

I agree, it’s been great seeing these episodes!

[@Doctor_Riptide]

@@fucuszullanti7877 Caleb only just recently starting doing couple's interviews like 3 weeks ago, this being the third. People were asking for couples to come on together since it doesn't make sense for one half of a married couple to be on without the other.

[@makaylaf7210]

I can’t stand this guy. He is very controlling and walks all over his wife. It’s really sad they just got married. She needs to run.

[@Lucyely]

YES! I hope she reads all the comments and RUNS 😬😬😬

[@lindawilson8434]

I feel so bad for her Maybe her dad will see this

[@taramarie3899]

Right! He’s just totally full of shit. He can enjoy his hobby, but she can’t? Gross

[@NannaP27]

Annulment ASAP

[@davenunyabusiness4893]

@@NannaP27 he would be blessed if he got rid of her from his life. He needs her like another hole in the head. She is a lead anchor on his life.

[@rudyvargas8904]

Caleb, I hated your channel at the beginning and unsubbed cuz I thought you were bullying people at low points in their financial lives. This video shows you’ve majorly improved and are focused on being helpful and service oriented. Thank you for leveling up!

[@courtneyharris1006]

puss

[@amandawithlov3908]

I felt the SAME exact way and he fridge grew on me!!!

[@crystalwarren5718]

I find it odd he doesn't know his own job title.😂 He is a Job Coach. I did the same job. You are a Job Coach for people with disabilities.

[@allthatsheiz]

Cause he isn’t coming to it with a coaching spirit. He is a controller. That indeed is not a sanctioned job. 😂

[@SrKinko]

100k in debt and he went for a broken e46 M3. Legend. After watching more their dynamic is pretty bad. Her having to use Caleb as a mediator to get pet insurance added to the budget was 😬

[@DjCheffolo]

Such a stupid car to buy

[@floridamanHooning]

Us car guys do not make solid financial decisions LOL... I'm doing all in my power right now to NOT buy a mid 80s corolla station wagon or a Volvo 300td

[@lisapvpv]

​@@floridamanHooning😂😂😂oh my!

[@chaselesser3191]

I think he already had the car. And not a loan or anything on the car. It was just maintenance he had to do on it. Sometimes you have to do maintenance on a car. Some are worth it. Some aren’t. 2005 M3 might not be as reliable so maybe not worth it, vs a cheaper Toyota of the same year.

[@johnnycisneros8722]

​@@chaselesser3191he said he bought it last year

[@Wenisssss]

Boy that guy is throwing his new wife under the bus pretty hard within the first 15 minutes.

[@vjs4539]

He has every right to be pissed. She's a total idiot for wasting money on useless degrees.

[@Wenisssss]

I take this back. This guy thinks he knows how to do everything and he’s a complete mess.

[@willytodd2750]

@@Wenisssss it's literally his job to do all the talking for the mentally feeble, he should get paid for working with the wife.

[@Allison_Hart]

​@@willytodd2750 He married her knowing about the debt, he had every chance to leave. Also she is clearly a normally functioning person other than her dyslexia. This is such a cruel comment and can't imagine what would have possessed you to make it.

[@willytodd2750]

@@Allison_Hart She took out a hundred thousand in debt to teach art. She's dumb. Sorry not sorry.

[@marciareagan2718]

This is control. Caleb you did a great job balancing this. I’m From a mental health background and I just keep seeing the shame on peoples faces. The shaming is palpable and sad. Money is energy. Thought provoking.

[@SapphicSista]

Caleb needs to utilize a risk assessment for financial abuse as part of his guest application process. Several of his last videos have me deeply concerned.

[@katjones4840]

I’m glad he encourages therapy cuz most of them seem to need it.

[@lauravterrazas]

The amount of frustration and annoyance between them in only 3 weeks of marriage is a little scary 😬

[@jimbomacgee3499]

Most marriages are probably like this tbh

[@sunnyday4055]

@@jimbomacgee3499 Not after 3 weeks 😭😭

[@churchofmarcus]

​@@sunnyday4055they are when one partner has 100k in debt and nothing to show for it. There is NO way this isn't an instant stressor in a relationship.

[@Modernparadoxx]

Yeah having that much debt does that 😂

[@GoldieGirl2]

This episode makes me realize how much more enjoyable it is when Caleb talks more than his guests 😅

[@canileaveitblank1476]

If your major is a “Studies” field, STOP!

[@lalalal_ysa]

Thank you for this Caleb. Your audits specially on couples, reminds me to better the shit out of me first before dating and/ or be committed with someone.❤

[@killamb]

Nobody on this show can ever communicate clearly and effectively. Talking in circles and long complicated stories whenever asked a simple question. Caleb is a saint for his patience.

[@Quirkney]

What drives me wild is what they don’t know some basic fact Caleb would inevitably ask. “How much do you make?” Is definitely an expected question they could have a note of, but looking at how long that part was plus the editing… well that suggests it took awhile to find out.

[@killamb]

@@Quirkney half of them can’t even answer “what do you do?” Without rambling for minutes

[@dabrick100]

@@killamb Right, it should be one simple sentence. "I'm a teacher at a private school and I make $/yr". "I'm a work aid for autistic clients and I make $/hr". Instead with this guy its "I do this thing that has no name and well the job pays me but only because of the government, but lets not talk about me because my wife has sooo much debt and oh yeah its okay because i have this business thing but i wont actually tell you the details but trust me guy"

[@erikgutierrez3613]

People want to beat him to the punch and explain/justify themselves. Just my pair of pennies tho. Could be wrong.

[@trinawms3749]

Yesssss😂😂😂😂😂

[@user-gd9ly7fg1c]

This poor girl. She doesn’t spend any BS money and got herself in some awful student loans. I feel so bad for her :(

[@tuffy11111]

11:33 also looks like she's got a little bit of a toxic relationship

[@lorib5323]

me too.. she should bail, he is soooo controlling and thinks all of his choices are just brilliant.

[@CaptainFrandy]

@@tuffy11111she didn’t talk too much, hope she’s feeling well

[@dangerline95]

@@lorib5323she should bail???? HE should bail….absolutely insane marrying someone with 100k + in debt 😂😂😂

[@Sar-ahG]

I believe she knew what was going on the whole time

[@lexipedersen6334]

He’s the kind of person that would get upset if they are not out of debt by the time Caleb said and hold it against her and Caleb, while not taking any responsibility.

[@Chelseabee55]

And sinking more money in to cars and investments they don’t need while blaming her

[@SneakyCatAgent]

I love how to camera turned to caleb when she got emotional, so much respect ❤

[@rangequeen]

Totally off topic but is it possible to file for divorce on someone else’s behalf? 🤦🏻‍♀️

[@jacquigonzalez5447]

You can if they blink twice.

[@newworldbro]

lol

[@jerikaljgdk]

I hope she reads the comments and sees the support for her.

[@twlight9000]

If she even has the data to go on the internet 🤐

[@mell1650]

Appreciate your honesty with them, but also your compassion

[@haveaday66]

GIRL GET OUT. This guy is super controlling and toxic. (And then deal with all your toxic debt - but tbh deal with the toxic husband first)

[@nickhendrie8681]

I’m sorry but the husband is a creep. Sounds very controlling to me. She can’t spend money without his say so? Sounds like she has no hobbies but he’s not even considering giving up ‘track racing’ and the Wi-Fi is connected to his phone and leaves whenever he does??? 🚨 🚨 🚨

[@makaylaf7210]

The wife’s sigh when the husband started talking about what he does. Told me everything I needed to know 😅 0:58

[@geo865833]

Nice catch! That is definitely telling...

[@ajcollins623]

Her reaction to “I used to be a mathlete” at 30:04 is also great

[@aic0809]

@@ajcollins623😂😂😂 I cackled!!

[@SamT12823]

Yes!

[@reby1583]

Wow I had to go back and check 😮

[@hamburgerbrain]

Omg... "Engineering and math ... That's the framework of my brain". 🤮. This guy needs to take several seats.

[@gabyr7000]

I’m glad you’ve been having more couples on the show recently!

[@Angela-ne9cy]

Ummm....she can't spend anything without asking his permission? He talks over her, low-key belittles her, and essentially controls what she can do - sounds like a really unhealthy relationship to me. Only three weeks in. Yikes!

[@willytodd2750]

She took out a hundred thousand dollars in debt so she could teach kids to fingerpaint and make almost nothing doing it. What part of that says she needs to be making the decisions around there?

[@hornetguy9063]

@@willytodd2750yeah I mostly agree with this. I don’t think she should have to ask for permission to buy anything as she is generating an income. But ignoring the financial situation she brought into the household is foolish. Like if we reversed the genders here and it was some economically frugal woman marrying a man who got himself into $30k of personal loan debt in order to gamble it on Bitcoin, would anyone call her controlling if she was kept a tight hold of the household finances?

[@Aiffam1]

​@@willytodd2750using someones debt to belittle them and control them is straight manipulative and controlling. Hope they didn't pay too much for that wedding.

[@rest0re871]

​@@Ryan-wx1bi Oh for sure. He probably spends way more than a internet bill on that special octane gas and going to the track. And fixing his BMW, lol. Definitely just seems like another way to control his wife. She made horrible financial decisions but he low key seems abusive.

[@Aiffam1]

​@anon1407he's not paying a single dime towards her debt, and knew the debt before the marriage. He's not a victim lol

[@aliciahull]

Girl, run! It’s early enough in the marriage. At so many moments his narcissism is evident, and knowing a few women in these relationships, she appears emotionally/mentally abused. even the way he’s adversarial with Caleb, it’s red flag after red flag 😔

[@crazyguywatchnu]

Lol she is the red flag. All that debt is awful

[@Sar-ahG]

He would be a better off without her

[@razor4059]

They both would be better off financially. Now if they are married for a few years, she may be able to “transfer” some of here student loan payments (not loans, payments) to him in the divorse.

[@Twinkie989]

I completely agree. I am divorcing a narcissist now and I wish there was as much education about this personality disorder back when I was new to this. He is only going to get worse and she is too good for him.

[@mewlover2482]

​@@crazyguywatchnuSo her having a lot of debt from college (which many Americans have some type of college debt) is more of a red flag than someone outright saying he controls every bit of finances, controls the internet and talks over her?

[@BostonMom96]

Oh gosh I could not stand him. You can tell he is all about him, his portfolio, his car, his job. She was very quiet. Good for her for speaking up for saying she didn’t like how the money was handled.

[@kristinageorge2944]

Why does it take some of these people ten minutes to answer how much they make or how much their insurance bill is? It’s wild to me.

[@kateeve5717]

This guy holds her student loan debt over her head, controls her because of it, but isn't actually paying it off?? WHAT? He seems 100% happy to let her parents pay it until they die. This was a painful watch.

[@Buxtonphil]

Yeah. This marriage can’t last. He’s definitely controlling her emotions are understandable

[@Tontisimo]

No accountability for taking on 100k in debt. Okkk

[@kateeve5717]

@@Tontisimo where did she not take accountability? He knowingly married her with the debt she had, it’s wild that he holds it over her. Accountability of personal debt is not having someone controlling you.

[@nattypatty3667]

​@@kateeve5717She married him KNOWING this is how he behaves. She SHOULD accept it

[@fionamulrennan5458]

The husband is hard to listen too.. the wife is so sweet.. I would rather be single forever, then spend 1 minute in his company.. he loves the blame game.

[@ChiefKene]

I’m happy Caleb was a little snotty with the dude. His wife needed that, you can tell he talks a lot and his wife is a sweet lady who just puts up with it. Everytime Caleb got a little feisty with him, you see that smirk on his wife face lol

[@greeneghost44]

I really connect with her, I have a lot of student loans that I’m now facing and it’s hard. I’m a first gen college graduate and luckily I have a partner who is willing to help me while I aggressively attack my student loans. I really feel for her and wish her the best ❤ we can’t change the past but we can improve our futures.

[@LADYLASSEN]

20:34 22:00 shedding a tear for the sentiment that Caleb shares here! I love that he has a balance of assertiveness and also grace. That’s the only way that you can inspire and hopefully induce change when it comes to a sensitive topic such as finances. Great job, Caleb and team 🙌

[@Wi77iam]

There’s something extremely wrong with this relationship. I think he cares more about his car and track days than his wife.