He Cheated On Her With His Mom | Financial Audit

Introduction and Financial State [00:00:00]

• Heather and Rayden, a couple from Austin, Texas, appear on "Financial Audit" to address their financial issues.
• Caleb Hammer immediately notices their financial struggles and questions their spending habits.

  "what the is wrong with you guys"

Initial Financial Assessment [00:01:00]

• Heather works in security for Apple, earning $23-$25/hour, with weekly pay of $500-$700, totaling approximately $2,816 monthly.
• Rayden works armed security, earning $30.90/hour, averaging $1100 weekly, totaling around $4,766 monthly.

  "so plus that two thousand eight we just moved here from washington so we're still trying to get figured out and things"

Financial Struggles and Past [00:03:00]

• The couple moved from Washington to Austin a year ago, seeking a cheaper cost of living.
• Rayden has a history of being unable to stick with a career, having worked various security roles.

  "his problem is is he can't pick something and stick with it"

Immigration and Social Norms Discussion [00:06:00]

• Heather expresses negative views on immigrants, linking them to trashiness and different social norms.
• The conversation touches on cultural differences and assimilation.

  "but when you have like a bunch of people that are coming in and they have a different way of like living they have different social norms like they think it's okay to just like trash an apartment complex"

Data Breach and Aura Sponsorship [00:09:00]

• The video discusses a massive data breach of driver's licenses and promotes Aura for identity theft protection.
• Aura offers dark web monitoring, credit fraud alerts, and identity theft insurance.

  "this is enough time for order to tell if your driver's license has been exposed"

Homelessness Debate [00:13:00]

• The couple debates the prevalence and impact of homelessness in Austin compared to Washington.
• Heather believes Austin's homeless situation is aggressive, while Rayden claims it's everywhere in Washington.

  "but we still have the homeless situation in austin and ours are aggressive"

Relationship Dynamics and Finances [00:18:00]

• Heather accuses Rayden of hiding purchases and not giving her full access to accounts, leading to debt.
• Rayden claims he took over finances a year and a half ago because Heather was racking up credit card debt.

  "you used to deal with them and you got us in major debt because of it"

Infidelity and Open Relationship [00:22:00]

• The couple discusses Rayden cheating on Heather, leading to an open relationship that later closed.
• Rayden admits to flirting and sending nudes to other women, even after the relationship closed.

  "well after afterwards that's when we opened a relationship well opens fine if you guys both agree on it and then cheating and then we closed in and i kept on talking to females"

Rayden's Cheating History [00:28:00]

• Heather recounts finding evidence of Rayden's infidelity, including hidden folders with messages and nudes.
• Rayden admits to having sex only five times in their relationship over the last four years.

  "so i grab this man's phone and i find like 20 different bitches he's got this folder in his phone where you just have to put in a code and you can hide whatever you want in it"

Relationship Breakdown and Pregnancy [00:35:00]

• Heather discovered Rayden's cheating shortly after becoming pregnant with their son.
• Despite the infidelity, they decided to have the baby, with Rayden promising to change.

  "so i got pregnant in 25 in january and i think maybe two weeks after i got pregnant i he was sleeping taking a nap a little peaceful wait after you got pregnant"

Rayden's Continued Infidelity [00:40:00]

• Even after the birth of their child and promises to change, Rayden continued to cheat.
• He was messaging his dad's ex-wife, flirting and asking for selfies.

  "he was messaging his dad's ex-wife talking to her and no you were not like oh send me pictures of you you're so beautiful"

Financial Irresponsibility and Debt [00:45:00]

• The couple finances a new couch for $2,814, despite being in debt.
• Rayden also financed a new car, a 2024 Subaru Crosstrek, for an undisclosed amount.

  "well no you literally did this to me about a year ago when you got your subs you went to go check it out and get your subs fixed in your car and then you came back with a whole new system and you said don't worry about it"

Vaping and Health Concerns [00:55:00]

• The couple admits to vaping heavily, going through a disposable vape every 5-7 days.
• Caleb expresses concern about their health and lifespan due to vaping and weight.

  "you guys are gonna kill yourself and that's like sixty dollars a week no way you don't already have diabetes but your lungs are like collapsing"

Credit Card Debt and Spending Habits [01:00:00]

• Their credit card statements show significant spending on Amazon, fast food, and non-essential items.
• They have multiple late payments and accumulating interest fees.

  "so your last minimum payment was 31 but you're a fat you're not gonna make it to your kid's high school graduation"

Financial Score and Budget [01:10:00]

• Their combined net monthly income is $7,882, with necessary expenses totaling $6,385.35.
• They have a total debt of $124,418, with an estimated payoff time of 64 months.

  "now this is an insane amount but if we take the one hundred twenty four thousand four hundred eighteen dollars and we minus her two thousand thirty six in student loans"

Past Pregnancies and Abortion [01:15:00]

• Heather reveals she had an abortion a year before their son was born because they weren't ready.
• Rayden admits he caught both their babies.

  "i had an abortion from who it was his yeah he caught both our babies yeah when uh this was like a year before"

Relationship Dynamics and Future [01:20:00]

• Heather expresses a desire for more children but questions Rayden's commitment and trustworthiness.
• Rayden claims he wants to marry Heather and has a child-like energy.

  "i want to have another baby like now but i i don't want how many times have you been pregnant twice"

Post-Show Plans and Final Thoughts [01:25:00]

• Caleb plans to delve deeper into their text messages and finances in the post-show.
• The couple's financial score is a dismal 0.5 out of 10.

  "we're gonna call the mom we're gonna go through the phone we're gonna see who's cheating doing what i swear it's always crazy guys"

Final Financial Breakdown [01:30:00]

• The couple's credit card debt, car loans, student loans, and medical debt are detailed.
• Their spending habits, including frequent purchases from fast-food restaurants and online retailers, are highlighted.

  "i don't know what that acronym stands for honestly no okay what's your are you on a minimum payment i don't even know who has it i think it's in collections and i ignore the phone calls"

Conclusion and Financial Advice [01:35:00]

• Caleb emphasizes the need for accountability and consistent behavior change.
• He offers resources through calebhammer.com for personal loans, car insurance, and credit building.

  "the thing is we are building more and more of these to help you get the best tools and services that you can possibly get online at the best rates"