Predator EXPOSED On Financial Audit

Couple's Introduction and Income [00:00:00]

• Caroline, 25, and Derek, 37, from DFW, appear on Financial Audit.
• Caroline works as a bus driver, earning $24/hour and averaging 45 hours per week, with bi-weekly pay of $1,750.
• Derek works in irrigation, earning $20/hour and working 40 hours per week, with a net pay of $720 weekly.

  "I do irrigation for a living."

Reason for Divorce: The Car Loan [00:05:00]

• Caroline explains she needs to file for divorce to afford a car, as her credit is poor.
• She claims Texas is a common-law state and her husband must co-sign for any loan, which is impossible due to his credit and debt.
• Derek is confused, questioning why a divorce is necessary for a car purchase.

  "You're filing a divorce just so you can get a car?"

Loan Qualification Dispute [00:07:00]

• Caroline insists she was told by a credit union that Derek must be on the loan application.
• The host explains that community property states do not merge credit scores, and lenders rely on individual credit history.
• Caroline remains firm, stating the credit union explicitly told her she couldn't get the loan without him.

  "That's what we were specifically told from the credit union. That it's my fault. She could not get the loan."

Deeper Marital Issues Emerge [00:10:00]

• The host probes for reasons beyond the car loan, suggesting there must be more significant issues.
• Caroline admits the divorce is based on the car but hints at deeper problems.
• Derek questions Caroline's memory and judgment due to past incidents.

  "Brother you can’t even remember threatening to kill yourself. I don’t know if I can trust your judgment or memory."

Past Trauma and Threats [00:12:00]

• Caroline recounts leaving Derek in Charleston due to his declining mental health and threats of self-harm.
• She had to involve his mother and hide his weapons.
• Derek claims he doesn't remember these incidents, which Caroline attributes to him forgetting or pretending.

  "His mental health had become a complete decline and was threatening to harm himself to where I had to hide all of his weapons in his mom's room and left with our son."

Derek's Mental Health and Caroline's Condition [00:15:00]

• Derek claims he sought help online after Caroline left.
• Caroline is skeptical, but acknowledges it's a start.
• She had given him a one-year ultimatum to get help before she would consider getting back together.

  "He says that he went and saw a psychologist or a psychiatrist or whatever online."

Caroline's Past Employment Issues [00:18:00]

• Caroline describes being physically assaulted at a previous job while five months pregnant.
• She claims the video footage disappeared and witnesses denied seeing the incident.
• The host questions why everyone seemed to be against her and suggests she might be exaggerating.

  "The video footage disappeared and then the people that saw it, they claimed that they never actually saw it."

Financial Irresponsibility: Debt and Spending [00:25:00]

• Derek has $39,051 in credit card debt from his father's fraudulent activity, which Navy Federal Credit Union claims they cannot help with.
• He also has another collection for $4,720.
• Both have multiple credit cards with significant balances and late fees, often used for non-essential purchases like dining out and entertainment.

  "I had $40,000 in credit card debt. Plus-"

Car Loan Delinquency and Vaping [00:35:00]

• Derek's 2020 Toyota Corolla is 70 days delinquent on payments, with threats of repossession.
• He spent $50 on vapes instead of buying diapers for their son.
• Caroline's 2014 Ford Focus is almost paid off, but she had to skip payments due to job loss during COVID.

  "Instead of spending that money to go get diapers, he went to a vape store and spent $50."

Caroline's Financial Struggles and Budget [00:40:00]

• Caroline's budget shows she needs $3,002 to survive but makes $3,500, leaving little for debt repayment.
• Her expenses include high childcare costs ($1,280/month) and significant dining out.
• The host advises her to downsize her living situation to become debt-free.

  "You need $3,002 to survive, and you make $3,500. Okay, not bad."

Accusations of Cheating and Lying [00:45:00]

• Caroline accuses Derek of cheating, citing a friend's word and his communication with other women online.
• Derek denies cheating but admits to watching pornography, which Caroline considers a betrayal.
• An STD diagnosis complicates the situation, with both parties unsure of its origin.

  "I ended up with an STD and I hadn't slept with nobody else but him for three years."

Domestic Incident and Police Involvement [00:50:00]

• Police were called to their home after Derek allegedly threatened self-harm again.
• Caroline accuses Derek of watching pornography in front of their son, which he denies.
• The host struggles to determine who is telling the truth due to conflicting accounts and past dishonesty.

  "You literally put your hand down your pants multiple times and were fondling with yourself."

Trust and Accountability Deficit [00:55:00]

• The host highlights the lack of trust and accountability from both Caroline and Derek.
• Caroline's past issues with exaggeration and victim mentality are questioned.
• Derek's memory lapses and denial of past actions raise concerns.

  "The moment I start poking at your stories, I learn that it's bullshit. Every time on this show."

Financial Score and Future Outlook [01:00:00]

• Their combined financial score is very low across multiple categories, including spending, debt, and retirement.
• The host suggests they need to drastically change their spending habits and living situation.
• The possibility of legal action for their debts is also mentioned.

  "Spending in a budget. Zero out of ten. Debt is collection. Zero out of ten. Emergency fund, I didn't see anything. Zero out of ten."

Post-Show Investigation [01:05:00]

• The host plans to investigate the cheating allegations further by contacting a friend.
• The couple's financial situation and relationship issues are deeply intertwined.
• The outcome of the divorce and their financial future remain uncertain.

  "All right, guys. Here's the reality. We're going to call the friend in the post show. And we're going to see if he cheated."

Final Financial Advice [01:10:00]

• The host recommends specific budgeting apps and resources for financial improvement.
• He emphasizes the importance of accountability and realistic financial planning.
• The episode concludes with a stark warning about their current trajectory.

  "You need to downside your living. Okay. And then pay off your debt, get a fully funded emergency fund, and then you can move up to like a one or two bedroom."