The Most Ghetto Couple In Financial Audit History

A Violent Partnership Unfolds [00:00:00]

• The episode opens with a heated exchange about domestic violence and past incidents.
• Mercedes admits to stabbing Jay, while Jay discusses his regret over meeting her.
• "> This is literal, actual domestic f*** that you're in."

Young Parents, Troubled Finances [00:02:00]

• Mercedes, 19, and Jay, 20, are from Lexington, Kentucky, and are parents to a 9-month-old.
• Mercedes is a stay-at-home mother, while Jay works as an electrician apprentice.
• "> We definitely got some problems."

Marriage Under Pressure [00:03:00]

• The couple married less than a year ago, with their child preceding the marriage.
• Pressure from Mercedes' religious family influenced their decision to marry.
• "> I thought it would keep him loyal."

Financial Struggles and Future Plans [00:04:00]

• Jay earns $18/hour as an apprentice, bringing home $550-$600 weekly.
• Jay plans to attend school for an electrician certification, with Mercedes remaining a stay-at-home mother.
• "> I mean, stay-at-home mom's fine. You just have to be able to absolutely pay the bills and keep a roof over the baby's head."

The Stabbing Incident [00:06:00]

• Mercedes reveals she stabbed Jay with a box cutter on Saturday, resulting in four stitches to his knee.
• Jay shows a picture of the wound as evidence.
• "> You mean you stabbed him?"

Escalating Conflict and Regular Abuse [00:08:00]

• Jay describes the stabbing as regular occurrence, with "way more" incidents happening when Mercedes is not present.
• Mercedes admits to blacking out when drunk, leading to unpredictable behavior.
• "> This is just the tip of the iceberg."

A Party Gone Wrong [00:10:00]

• The stabbing occurred after an argument about attending the state fair.
• The dispute escalated at a gas station when Jay's card had a hold placed on it.
• "> I have no idea. Listen, I've literally blacked."

Blackouts and Domestic Violence [00:12:00]

• Mercedes' blackouts due to drinking are a recurring issue, though stabbing is a first.
• The couple acknowledges their behavior is not normal, especially as parents.
• "> You are a horrible mom."

The Aftermath and Hospital Visit [00:15:00]

• Jay drove himself to the hospital after being stabbed.
• Mercedes was trying to leave in a friend's car, and Jay slammed the door on her face.
• "> I could have stabbed her back, but I didn't."

A Break and Jail Time [00:17:00]

• The couple is on a "break" as of Saturday, following the stabbing incident.
• Mercedes was recently released from jail for public intoxication, not the stabbing.
• "> After getting stabbed, I would assume so."

Parental Concerns and Cycles of Conflict [00:19:00]

• The child is primarily cared for by their mothers when the parents are in conflict.
• The couple admits their issues often start with drinking and partying.
• "> You guys are going to be horrible parents."

A History of Infidelity [00:23:00]

• Jay admits to cheating on Mercedes via Snapchat shortly after boot camp.
• Mercedes admits to going through Jay's phone and finding the messages.
• "> Sounds like him cheating first."

Physical Altercations and Breakups [00:26:00]

• Mercedes admits to pushing Jay into a dresser and window at his grandmother's house.
• Jay claims he never put his hands on Mercedes first, only slamming a car door on her face.
• "> That was the first time you put your hands on me."

Past Transgressions and Broken Promises [00:30:00]

• The couple has broken up and gotten back together numerous times.
• Mercedes admits to sleeping in a bed with another man while they were broken up, though denies sex.
• "> You were broken up, so I really don't care."

Military Service and AWOL [00:34:00]

• Jay went AWOL from the Marines twice, resulting in a general discharge.
• He returned to Kentucky during his boot leave and was later apprehended by the FBI.
• "> I went AWOL a couple of times."

Accidental Pregnancy and Blame [00:40:00]

• The couple acknowledges their child was an "accident" but admits to unprotected sex.
• Mercedes blames Jay for impregnating her, while Jay feels she also bears responsibility.
• "> That's not an accident."

Financial Irresponsibility and Debt [00:45:00]

• Jay has significant debt, including multiple collections totaling thousands of dollars.
• Mercedes has totaled her great-grandmother's car while drunk and owes $1,500.
• "> You're not paying your own f*** bills."

Escalating Violence and Destructive Behavior [00:50:00]

• Mercedes has a history of destroying property, including Jay's car and household items.
• Jay has punched holes in walls during arguments.
• "> This is literal, actual domestic abuse that you're in."

The Cycle of Abuse and Alcoholism [00:55:00]

• The couple's arguments often escalate due to alcohol consumption.
• Mercedes admits to blacking out and acting "demonic" when drunk.
• "> The drinking definitely amplifies it."

Financial Mismanagement and Payday Loans [01:00:00]

• Jay is trapped in a cycle of payday loans and energy drink purchases.
• Their checking account shows minimal funds and frequent overdrafts.
• "> Get out of the energy drink cycle and you won't be borrowing payday loans."

Dating Apps and Mutual Distrust [01:05:00]

• Both Jay and Mercedes have been active on dating apps shortly after their recent breakup.
• They admit to hiding activity from each other and questioning each other's motives.
• "> You're not trying to talk to people on Facebook?"

A History of Assaults [01:10:00]

• Mercedes has a history of assaulting at least four previous partners.
• Jay admits to being physically assaulted by Mercedes multiple times.
• "> You beat four boyfriends?"

Family Support and Enabling Behavior [01:15:00]

• The couple relies heavily on family for financial support and bail.
• Jay's family has warned him about the relationship's destructive nature.
• "> Why are they enabling you to make all these bad decisions and face no consequences for it?"

The Unlikely Hope for Change [01:20:00]

• Despite the severe issues, both express a desire to stay together for their child.
• Jay believes he holds the power in the relationship due to Mercedes' lack of financial independence.
• "> I know, I know. Hey. Hey."

A Grim Prognosis [01:25:00]

• Caleb Hammer concludes that the relationship is unlikely to improve and advises separation.
• He highlights the potential for escalating violence, including homicide.
• "> You will probably die with her."

Financial Audit and Future Prospects [01:30:00]

• Jay's financial score is a zero, while Mercedes' is a four.
• Jay has a potential career as an electrician apprentice with good earning potential.
• "> You can have a very bright future."

The Unresolved Conflict [01:35:00]

• The couple remains uncertain about separating, despite the overwhelming evidence against their relationship.
• Jay's family has expressed fear for his safety.
• "> This doesn't get better. This escalates to killing."