Gold Digger Keeps Destroying This Mans Life | Financial Audit

The "Kidnapping" and Business Partnership [00:00:00]

• Amanda, 27, and Zach, 39, from Brighton, Colorado, are in a new relationship.
• Amanda "kidnapped" Zach from a sober living facility just three days after they met.
• Zach had lost his truck, trailer, and tools and had been in jail for probation violations related to domestic violence.

• "I kept telling him, I was like, you're gonna be my future husband, I'm gonna kidnap you, you're gonna come live with me."

Relationship and Business Dynamics [00:01:00]

• Amanda is now a 50% owner of Zach's landscaping business, which he started a year ago.
• Zach explains he was in jail for probation violations related to domestic violence.
• Amanda claims she is a "master budgeter" and better at budgeting than Zach.

• "I'm a master budgeter, like I'm better at you than budgeting."

Domestic Violence History [00:02:00]

• Zach has a domestic violence charge against him for elbowing and kicking his ex.
• Amanda admits to having multiple domestic violence charges against her exes.
• Both individuals express a nonchalant attitude towards their past violence.

• "He deserved it."

Relationship History and Application [00:03:00]

• Amanda applied for "Financial Audit" with her ex-husband before meeting Zach.
• She describes her previous relationships as being with men who had a lot of money.

• "I knew I didn't want to be with him, but his family had a lot of money."

Financial Control and Business Ownership [00:04:00]

• Amanda is a 50% owner of the business, but Zach takes 100% of the income.
• Amanda controls all the money and pays the bills, stating Zach failed when given control.

• "I told him he could either follow my rules, or he can be single."

Personal Backgrounds and Children [00:05:00]

• Amanda has three baby daddies and four children, aged 11, 3, 2, and 1.
• Zach has two children, aged 7 and 4, with one child living with him.
• Amanda expresses a desire to have more children.

• "It's my goal to have as many kids as I can."

Debt and Financial Management [00:06:00]

• Zach has an estimated $70,000 to $80,000 in debt, including a truck.
• Amanda has a credit union savings account with only $5.
• They are not setting aside money for taxes, relying on a child tax credit.

• "The IRS is going to come and f**k you guys, and I hope so."

Credit Card Overspending [00:07:00]

• Amanda's credit cards show overspending on gas, snacks, and meals.
• She admits to overdrafting for gas and paying fees.

• "I make the minimum payments until it gets like to $1 or $2 and then I overdraft it like $100 for gas again."

Family Support and Debt [00:08:00]

• Zach owes his dad $16,800 for a lawyer and Home Depot card used for business tools.
• Amanda owes her mom $5,000 for rent, which has not been fully repaid.
• Grandma has also paid for their rent.

• "She rescued you and put a roof over your head. But no, she didn't."

Business Funding and Future Plans [00:09:00]

• Zach's business is funded by his dad's Home Depot card.
• They plan to invest in a utility trailer and a dump trailer for the business.
• They are considering a payday loan with a 400% interest rate for a truck down payment.

• "I'm going to- What are we doing here?"

Payday Loans and High Interest Debt [00:10:00]

• Amanda took out a payday loan with a 400% interest rate for a truck down payment.
• She also has a Spotloan with a 700% interest rate, which her dad paid off.
• Zach has multiple bonds and protection order violations, leading to significant debt.

• "You have a payday loan. You have kids to feed."

Truck Financing and Debt [00:11:00]

• Zach financed a $30,000 truck, but it's unclear if he's making payments.
• The truck has an 18% interest rate, with a $499 monthly payment.
• The truck is at risk of repossession due to their financial situation.

• "This will be repoed. I promise you."

Business Income and Expenses [00:12:00]

• Zach's landscaping business income fluctuates, especially in winter.
• Amanda has a side job doing AI training, earning $28-$50 per hour.
• They are considering hiring a part-time laborer for the business.

• "You make way more money doing his landscaping than I do on that job."

Relationship Dynamics and Control [00:13:00]

• Amanda admits she wants full control of everything in the relationship and business.
• Zach feels a lack of security, knowing Amanda could kick him out at any time.

• "You don't deserve security."

Child Support and Financial Obligations [00:14:00]

• Zach owes significant back child support for both his children.
• Monthly child support payments are $400 for the 7-year-old and $1100 for the 11-year-old.
• He has made inconsistent payments and is facing collections.

• "Back child support, that's bad father."

Financial Audit Score and Conclusion [00:15:00]

• Their Hammer Financial Score is extremely low: 0.5 out of 10.
• Key areas like spending, debt, emergency fund, and retirement are rated zero.
• The host plans to call Zach's dad to discuss the family's financial involvement.

• "You are a failure in every aspect of life other than reproduction... You are nothing."