Most Insane Car Debt I’ve Ever Seen | Financial Audit
Couple Hides Debt and Makes Massive Purchases Against Financial Reality
Discover why this high-earning couple owes nearly \$150,000 without owning a home, and how their secret spending habits sabotage their financial future.
Short Summary
- Couple earns \$10,000 net monthly but carries over \$147,000 in consumer debt, primarily from vehicles.
- They actively hide major purchases (\$1,500 Home Depot trip, financing courses, opening credit cards) from each other, citing future benefits.
- Projected income drops significantly when Logan starts nursing school, making current \$2,384 in minimum debt payments unsustainable (\~47% of the new income).
- The show exposes a pattern where both partners make significant financial decisions independently, destroying trust and creating crippling long-term obligations.
We audit Ava (26), an RBT, and Logan (26), also an RBT, who live in Fort Myers and manage three children while earning \$120,000 net annually. This episode details their communication failures as they fund lifestyle inflation and education plans with high-interest debt, creating an impending financial disaster when their dual income halves shortly.
Unlock all features
FREE: Get instant access to 10 AI summaries, chats, or transcripts per day.
Unlock all features
FREE: Get instant access to 10 AI summaries, chats, or transcripts per day.
Unlock all features
FREE: Get instant access to 10 AI summaries, chats, or transcripts per day.
Unlock all features
FREE: Get instant access to 10 AI summaries, chats, or transcripts per day.
Unlock all features
FREE: Get instant access to 10 AI summaries, chats, or transcripts per day.
Related videos
Financial Audit’s Dumbest Guest Ever
Caleb Hammer
131.8k views
The Most INSANE Financial Audit Ever
Caleb Hammer
423.6k views
Financial Audit's Most Evil Parents
Caleb Hammer
472.1k views
Financial Audit's Most Abusive Mother
Caleb Hammer
316.1k views
I've Never Seen This Before | Financial Audit
Caleb Hammer
317.7k views
I've Never Seen Anything Like This | Financial Audit
Caleb Hammer
221.0k views
I've Never Seen Anything Like This | Financial Audit
Caleb Hammer
56.4k views
100+ Years Of Insane Debt | Financial Audit
Caleb Hammer
513.6k views
I (almost) Gave Up.. | Financial Audit
Caleb Hammer
685.3k views
The Most Insane Debt I've Ever Seen | Financial Audit
Caleb Hammer
916.6k views
Top Comments (10)
Spending $1,700/month on cars while taking govt benefits for daycare is ridiculous
they probably whisper argue cause they’re living with their parents
fun fact: the moment you buy a new car, you're driving a used car.
Wait... her husband paid $1k to be a personal trainer, but she's paying an online personal trainer to lose baby weight?! 🙃
Fun fact: If your kids need to stare at screens in order to avoid having a meltdown while standing in line at DISNEY you have a serious problem.
NO ONE NEEDS DISNEY. EVER.
Caleb: “I feel like you think you can never be wrong” Guest: “I disagree”
Both 26, they look older.
As a single parent who was denied daycare assistance to making less than a $1 over the limit… this pisses me off
🍿 woooowwwwww she's hiding EVEN MORE DEBT behind his back and he HAD NO IDEA... It's exposed in the post show, watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join 💵📱Download the DollarWise Budgeting App today: Apple: https://apple.co/4iChGhr Google Play: https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. AND REMEMBER those who sign up for DollarWise Premium annual get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5 💸🤑💰 FREE TRIAL To make our classes and budgeting app more affordable*, we bundled them together for an *80% DISCOUNT and for this month only, you can try DollarWise Central for free - check it out here and change your life: https://dollarwise.com/dollarwise-central/ 🔋⚡🥤🔋 STOP SPENDING $4 ON BS ENERGY DRINKS Gamersupps tastes better and costs only $0.25 per serving - use my link, and save 10% https://gamersupps.gg/caleb and if you want FREE SAMPLES to test, just type in code CALEB Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 PK, Taryn Stouffer, Carlos Leon, hashley, Emma Johnston, Jason Albers, Danniella Fennelly, BigPapsOG, Jhonathan Rodriguez, Evngln2100, Julian Ellison, Zachary Sarnacki, Maksim Sviridov, Vince Carter, Domennator, Florci, Hands_Of_Skorm, Maighan Giles, Anthony Kasawdish, Prey, Tech Guy, Hannah Dooley, Corey S., T3N, Grant Oster, Alastair, Pe@chy, catzius1212, Solerons 91, Betty C, Sebastian Okier, Dr. Fajingler, Kard Harsdivia, Catwithsocks, Cyndy Goodin, Austin Hagan, Yazz, K Johnson, Jennifer Giovetti, Marcie Woodley, Madsy, Red Cruz (ll Fat Loki), Stephanie Tang, All Star Strength, Kelsey Zettler, RJG, Steph Cote, King Yeetles, DaveDew, Kayne M, MintyPeaPhD, Corroding Shell, Oscar, Country Crypto, D Will, sangybr, Mistress Venia, Eric lozano, Standard, Miguel Moyer, Aaron Martinez, Patricia Embry, GothRocker7, YashaProductions, alexis m, Apollo XV, ECbear2585, Peter McInerney, facu salas, Andrew, Evan Nekuda, Earl Cowan, Ever Neal, IrishNathan007, Cinthia Morton, Victoria Komar, Stecker Graphics, Spare No One, Cerberus the chef, Sharon Santiago, Madison Cribbs, Samuel Santos, Wrath Divine, Sarah Routon, Desiree Haro, Andrew McCanna, Ledrian Maldonado, Joel Sanchez, Youssef, Cloud, Jonathan Tanguay, Allegedly A Fed, Scott Oldford, Evan Lehr, mauro suarez, Clayton Copper, Mags Paracha, Tayzer, Adam, RobbyV, Aaron Stelter, Vergost 122, Jasoleia El Omari, Lucifer Morningstar, Andy Garcia, Renee Hopkins, Kelsie Jones, Bryson Still, Michael Plummer, Brandi Heller, Trent Schmidt, Travis Woods, Sarah Champion, Margaret C., DryFish187, Salsa Verde_NP, Sharon D, Diego 17_21, Camo1691, Thomas B, Elijah Perkins, Dulce Torres, Georgie B, Alec, Ctopp, Susan Wenzel, Cameron Murzyn, Clayton Fair, Kaytlyn Pidsadowski, THE_LEGO_LOUNGE, Mykayla, Marc26110, Sarah Nelson, Lance Tardiff, Christian Duarte, SAGStudios, nan, Will Minshall, Derek Gregory, DusDee, Ola, Sarah Brunsmeier, Ian Dickhaus, cheyenne dann, Lucero Saenz, Fernando P., Holydarkx, Zax, reyuho, Ethan Hammerle, Tonvisage, Clippybara, Marly Zeigler, Stephanie West, Kristen Sather, Natalie Solis, Canopr1ngles, Ivegottoxickisses, Moonbeam, Bailey Reiners, LtMadWolf, Thomas Vance, Jonathan Rollins, Forca DesignLLC, Abigail Zorrilla, Kadie Helgeson, Will Fisher, Jazmyn Donley, Channel 19, Elizabeth Fairbairn, Prophecy, JohnPeter Stravinski, Bailey Stark, Corey Johnson random adventures, Keith Adams, Lauren Hadfield, PaperInk:orangutan:, Hav 307, Slowahhmedia, Luca Diaz (Luryon), Dawson Yandle, Steph Willard, Anand Vadlamani, Khoa Nguyen, Caitlyn Booker, Tommy Sheehan, Connor Covington, Kathryn Wheeler (Kathy), Jessica M, Alyssa Waldrop, Tylinann, Peter, Daniel Scott, JKarot2, Nick Fahrner, Shaggy Bestul, GIGN - Gig In Great North, Cho Long Kim, holly wade, Leon Montenegro, TherealMVP, nan, joker illusive, Margaret, Layla Weaver, Hipnotic Jinx, Ginny Harrison, HerValk, John O’Connell, Kimber:kiss:Myadhdaddictions:kiss:, Chloe, Adrian C, Vanessa Ramirez, Redmel9, Chris McKenzie
Unlock the Data Inside
Turn Videos into Knowledge
- Get FREE 10/day: transcripts, summaries, chats
- Chat with videos, export text & PDF
- $1 free API credit for RAG, chatbots & research
Free forever plan • All features unlocked
Top Comments (10)
Spending $1,700/month on cars while taking govt benefits for daycare is ridiculous
they probably whisper argue cause they’re living with their parents
fun fact: the moment you buy a new car, you're driving a used car.
Wait... her husband paid $1k to be a personal trainer, but she's paying an online personal trainer to lose baby weight?! 🙃
Fun fact: If your kids need to stare at screens in order to avoid having a meltdown while standing in line at DISNEY you have a serious problem.
NO ONE NEEDS DISNEY. EVER.
Caleb: “I feel like you think you can never be wrong” Guest: “I disagree”
Both 26, they look older.
As a single parent who was denied daycare assistance to making less than a $1 over the limit… this pisses me off
🍿 woooowwwwww she's hiding EVEN MORE DEBT behind his back and he HAD NO IDEA... It's exposed in the post show, watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join 💵📱Download the DollarWise Budgeting App today: Apple: https://apple.co/4iChGhr Google Play: https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. AND REMEMBER those who sign up for DollarWise Premium annual get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5 💸🤑💰 FREE TRIAL To make our classes and budgeting app more affordable*, we bundled them together for an *80% DISCOUNT and for this month only, you can try DollarWise Central for free - check it out here and change your life: https://dollarwise.com/dollarwise-central/ 🔋⚡🥤🔋 STOP SPENDING $4 ON BS ENERGY DRINKS Gamersupps tastes better and costs only $0.25 per serving - use my link, and save 10% https://gamersupps.gg/caleb and if you want FREE SAMPLES to test, just type in code CALEB Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 PK, Taryn Stouffer, Carlos Leon, hashley, Emma Johnston, Jason Albers, Danniella Fennelly, BigPapsOG, Jhonathan Rodriguez, Evngln2100, Julian Ellison, Zachary Sarnacki, Maksim Sviridov, Vince Carter, Domennator, Florci, Hands_Of_Skorm, Maighan Giles, Anthony Kasawdish, Prey, Tech Guy, Hannah Dooley, Corey S., T3N, Grant Oster, Alastair, Pe@chy, catzius1212, Solerons 91, Betty C, Sebastian Okier, Dr. Fajingler, Kard Harsdivia, Catwithsocks, Cyndy Goodin, Austin Hagan, Yazz, K Johnson, Jennifer Giovetti, Marcie Woodley, Madsy, Red Cruz (ll Fat Loki), Stephanie Tang, All Star Strength, Kelsey Zettler, RJG, Steph Cote, King Yeetles, DaveDew, Kayne M, MintyPeaPhD, Corroding Shell, Oscar, Country Crypto, D Will, sangybr, Mistress Venia, Eric lozano, Standard, Miguel Moyer, Aaron Martinez, Patricia Embry, GothRocker7, YashaProductions, alexis m, Apollo XV, ECbear2585, Peter McInerney, facu salas, Andrew, Evan Nekuda, Earl Cowan, Ever Neal, IrishNathan007, Cinthia Morton, Victoria Komar, Stecker Graphics, Spare No One, Cerberus the chef, Sharon Santiago, Madison Cribbs, Samuel Santos, Wrath Divine, Sarah Routon, Desiree Haro, Andrew McCanna, Ledrian Maldonado, Joel Sanchez, Youssef, Cloud, Jonathan Tanguay, Allegedly A Fed, Scott Oldford, Evan Lehr, mauro suarez, Clayton Copper, Mags Paracha, Tayzer, Adam, RobbyV, Aaron Stelter, Vergost 122, Jasoleia El Omari, Lucifer Morningstar, Andy Garcia, Renee Hopkins, Kelsie Jones, Bryson Still, Michael Plummer, Brandi Heller, Trent Schmidt, Travis Woods, Sarah Champion, Margaret C., DryFish187, Salsa Verde_NP, Sharon D, Diego 17_21, Camo1691, Thomas B, Elijah Perkins, Dulce Torres, Georgie B, Alec, Ctopp, Susan Wenzel, Cameron Murzyn, Clayton Fair, Kaytlyn Pidsadowski, THE_LEGO_LOUNGE, Mykayla, Marc26110, Sarah Nelson, Lance Tardiff, Christian Duarte, SAGStudios, nan, Will Minshall, Derek Gregory, DusDee, Ola, Sarah Brunsmeier, Ian Dickhaus, cheyenne dann, Lucero Saenz, Fernando P., Holydarkx, Zax, reyuho, Ethan Hammerle, Tonvisage, Clippybara, Marly Zeigler, Stephanie West, Kristen Sather, Natalie Solis, Canopr1ngles, Ivegottoxickisses, Moonbeam, Bailey Reiners, LtMadWolf, Thomas Vance, Jonathan Rollins, Forca DesignLLC, Abigail Zorrilla, Kadie Helgeson, Will Fisher, Jazmyn Donley, Channel 19, Elizabeth Fairbairn, Prophecy, JohnPeter Stravinski, Bailey Stark, Corey Johnson random adventures, Keith Adams, Lauren Hadfield, PaperInk:orangutan:, Hav 307, Slowahhmedia, Luca Diaz (Luryon), Dawson Yandle, Steph Willard, Anand Vadlamani, Khoa Nguyen, Caitlyn Booker, Tommy Sheehan, Connor Covington, Kathryn Wheeler (Kathy), Jessica M, Alyssa Waldrop, Tylinann, Peter, Daniel Scott, JKarot2, Nick Fahrner, Shaggy Bestul, GIGN - Gig In Great North, Cho Long Kim, holly wade, Leon Montenegro, TherealMVP, nan, joker illusive, Margaret, Layla Weaver, Hipnotic Jinx, Ginny Harrison, HerValk, John O’Connell, Kimber:kiss:Myadhdaddictions:kiss:, Chloe, Adrian C, Vanessa Ramirez, Redmel9, Chris McKenzie