Financial Audit's Most Toxic Husband

The Financial Audit Begins [0:00]

• The episode opens with a heated exchange about relationship dynamics, with accusations of cheating and forced open relationships.
• Tyler is called a "piece of shit" by an unseen voice.

"He told me, just so you know, if I'm not sexually satisfied, the relationship's going to end up going downhill."

Introducing Allie and Tyler [0:52]

• Allie, 29, and Tyler, 30, from Dallas, Texas, are introduced as the couple seeking financial audit.
• The conversation quickly devolves into an argument about their appearances and ages.

"Does he? Do I look this old? Is this what I look like at 31?"

Allie's Income and Tyler's Financial Role [1:40]

• Allie works as an office administrator, earning $17/hour and averaging 47 hours per week.
• Tyler claims Allie was the breadwinner until two months prior, but struggles to accurately state her monthly income.

"She pays a lot of the bills. As of two months."

Tyler's Income and Financial Discrepancies [3:12]

• Tyler is a territory sales manager for a telecom product.
• He estimates his gross monthly income, including bonuses, at around $4,100, but struggles to provide a clear figure.

"If we're not calculating for the bonuses. Well, let's probably calculate for the bonuses because that is money that actually comes in."

The "Open Relationship" Discussion [5:11]

• The main reason for their appearance is Tyler forcing Allie into an open relationship.
• Tyler claims he didn't "force" her but gave an ultimatum.

"So basically, it was either open relationship or relationships done for it."

Tyler's Lack of Attraction to Allie [6:22]

• Tyler admits he's not physically attracted to Allie, primarily due to her weight.
• He states she meets all other criteria but not physical attraction.

"Physically, I'm just not attracted to her, but..."

Allie's Weight and Tyler's Pressure [7:45]

• Tyler has been pressuring Allie to lose weight for years.
• Allie acknowledges her weight but struggles with gym memberships and consistent exercise.

"Well, you're fat, yeah. I know. I do understand that. I know I am. You're obese."

Diet and Activity Habits [9:50]

• Tyler accuses Allie of lying about her eating habits and lack of activity.
• Data from Allie's health app shows very low daily step counts and active calorie burn.

"Your active calorie average all spring was 71 calories a day, active."

Financial Mismanagement and Credit Cards [14:00]

• The couple has multiple credit cards, many maxed out or close to it, with high interest rates.
• Tyler's spending habits are highlighted, including frequent trips to Sonic and Outback Steakhouse.

"You have another credit one again basically at the limit of 5 31 63 minimum 30."

Tyler's Cheating and Broken Promises [17:20]

• Tyler cheated on Allie twice, admitting one instance before the open relationship rules were established.
• He brought a girl home who gave him a blowjob, which he didn't disclose until much later.

"No, he didn't tell me about it until like last year that he cheated on me."

The "Rules" of the Open Relationship [20:00]

• Allie created a lengthy list of rules for the open relationship, which Tyler found restrictive.
• These rules included no kissing, no talking, and specific times for encounters.

"No kissing, can't be at her home, use condoms."

Tyler's Hypocrisy and Control [22:50]

• Tyler's rules for the open relationship were one-sided, allowing him freedom while restricting Allie.
• He claims women are more emotional about sex, justifying his control.

"Because women are more emotional when it comes to sex. They expect the guy to offer something."

Tyler's Limited Sexual Encounters [26:00]

• Tyler has only had sex with one person in three years under the open relationship rules.
• He claims he felt horrible afterward and wanted to stop.

"So the one person you did have sex with though, which one person in three years is hilarious you suck at everything."

The Stripper Incident [28:00]

• Tyler admits to having sex with a stripper, which he didn't disclose to Allie initially.
• He met the stripper through Snapchat after seeing the movie "Obsession."

"She ended up finding me attractive. I found her attractive. Show me."

Financial Entanglement and Car Loans [33:00]

• The couple has multiple car loans, with Allie co-signing for Tyler's vehicles.
• Tyler has a history of not paying for these loans, leaving Allie responsible.

"I'm the one who's the co-buyer on all of his vehicles."

Allie's Financial Strain and Tyler's Lack of Contribution [37:00]

• Allie pays for most of the bills, including rent, utilities, and phone, while Tyler contributes minimally.
• Tyler's mother also lives with them and receives financial support.

"His mom gives us what does he put to us his mom gives us 420 I pay the rest of it."

Tyler's Job Instability and Excuses [41:00]

• Tyler has a history of losing jobs and providing excuses for his financial failures.
• He claims he's not a loser, but his employment record suggests otherwise.

"You have nothing to show that you're not got a way better job and there's no argument."

Allie's Low Self-Esteem and Fear of Being Alone [45:00]

• Allie is advised that her low self-esteem and fear of being alone are reasons she stays with Tyler.
• She is encouraged to leave him and focus on self-improvement.

"You do not have to be with him just because you're afraid of finding someone."

Financial Breakdown and Budgeting [50:00]

• A detailed budget is created for Allie to live independently.
• Her expenses, including rent, utilities, and car payments, are outlined.

"Your minimum payments lady one thousand three hundred two hundred what one thousand three hundred twenty dollars and eighty cents."

Confronting Tyler's Mother [57:00]

• Caleb plans to confront Tyler's mother in the post-show about her influence on the relationship.
• She is accused of calling Allie "selfish" for considering leaving Tyler.

"Hello, they told me that you said she would be selfish to break up with him."

Final Recommendation for Allie [58:00]

• Allie is strongly advised to leave Tyler, emphasizing her potential for a better life and finding a more suitable partner.
• Resources are offered to help her become independent and financially stable.

"Girl, it's time to move on. There's so much life to live."