Financial Audit's Most Abusive Mother

Introduction and Initial Concerns [00:00:00]

• Callie and Nate, from Atlanta, Georgia, are introduced as a couple facing significant relationship and financial challenges.
• The application states they are either leaving the show together or filing for divorce, setting a tense tone.
• Callie appears visibly agitated, while Nate seems more reserved.

  "we're either leaving this show together or we're leaving and filing for a divorce"

Callie's Income and Other Sources [00:01:00]

• Callie works remotely as an IT engineer, earning an average of $5,000 per month after taxes.
• She has additional income from cleaning houses ($260/month) and support from her adult child ($900/month) and an ex-baby daddy ($600/month).
• The discussion touches on Callie's extensive family, with Nate questioning the number of children.

  "okay we are gonna go we're gonna go what an average is we're gonna go with five thousand"

The Children Count Confusion [00:02:00]

• A significant portion of the conversation revolves around the exact number of children Callie has.
• There is confusion and disagreement on the ages and total count of her children, with numbers ranging from 10 to 12.
• Nate expresses concern over Callie's inability to recall the exact number of her children.

  "there's 12 we're missing a kid"

Nate's Income and Financial Instability [00:05:00]

• Nate works in commercial construction as a carpenter, with an income fluctuating between $3,500 and $8,000 per month.
• He describes his income as "feast or famine," indicating periods of high earnings followed by lean months.
• The couple's financial situation is presented as precarious due to Nate's unpredictable income.

  "it's feast or famine you're either busy as hell and you have a ton of money coming in"

The Core of the Conflict: Trust and Accusations [00:07:00]

• The application reveals their core issue: Nate's suspicion of Callie cheating and Callie's feeling of being constantly accused.
• They have been separated for 18 months and do not live together.
• Nate admits to pulling the financial support he used to provide Callie.

  "we're either leaving this show together or we're leaving and filing for a divorce correct"

Nate's Paranoia and Callie's Isolation [00:08:00]

• Nate accuses Callie of being under a "constant microscope" and being accused of things she's not doing.
• Callie admits to not leaving her house often, indicating a level of isolation.
• Nate's paranoia extends to questioning who Callie is texting and what she's discussing.

  "because i am under a constant microscope of being accused of doing stuff that i'm not doing 24 7."

A Strange Resemblance and a DNA Test? [00:09:00]

• Nate finds a peculiar resemblance between Nate and his grandfather, leading to a bizarre suggestion of a DNA test.
• This unusual observation adds a layer of oddity to the already tense situation.
• The conversation briefly shifts to Nate's appearance and perceived age.

  "my grandpa was much more handsome than you but there is something about his his structure that resembles my grandpa in a very creepy way"

The Accusation of Cheating and Defensiveness [00:11:00]

• Callie explains Nate's paranoia: he believes if she's talking to someone, she's either sleeping with them or wants to.
• Nate's suspicion is fueled by Callie looking away while on FaceTime, which he interprets as hiding someone.
• Callie defends herself, stating she wouldn't answer her phone if she had someone else in the house.

  "if i pick up my phone who are you texting if i is it a question like oh who are you texting no it's literally every single time"

Past Trauma and Projection [00:13:00]

• Callie suggests Nate's hypervigilance stems from his ex-partner.
• Nate's accusations are linked to his own past hurt and inability to control his feelings, which he projects onto Callie.
• Callie feels she has no friends and doesn't go anywhere due to Nate's controlling behavior.

  "he thinks i'm cheating all the time why do you think she's cheating that would be a great question please"

The Roommate Situation and Accusations [00:15:00]

• The conversation shifts to a past situation where Callie had a female roommate, which Nate accused them of being intimate or sneaking around.
• Nate felt Callie was choosing her friends over him, leading to isolation.
• Callie clarifies they were separated when she got the house with her friend, but Nate claims they were not.

  "he would accuse us of either being intimate talking about him or that we were sneaking around and that we were up to something every time"

Disagreement on Separation Status [00:17:00]

• A major point of contention is whether they were separated when Callie moved in with her roommate.
• Nate claims they were never separated, while Callie insists they were.
• Text messages are mentioned as potential evidence, further highlighting their communication issues.

  "we are now and i got the house we do not live together together when we oh my god this is so wrong"

Nate's Past DUI and Firearm Possession [00:23:00]

• Nate was arrested on a warrant for not changing his address, which was related to a felony DUI conviction from when he was 26.
• He had a pistol behind the seat during the DUI incident.
• This arrest is presented as a key reason for their separation at that time.

  "possession of a firearm i think that was the warrant not the address issue"

The Florida Incident and Accusations [00:24:00]

• Callie was in Florida with her children when Nate allegedly went to a female friend's house while drunk and wrecked his truck.
• Nate claims he was building a swing set and called a female friend for help, but Callie believes he was drinking and with another woman.
• This incident further fuels Callie's distrust and Nate's defensiveness.

  "he told me when i was in florida that he was going to bed at 8 30 hung up took his drunk ass over to this female girl's house"

Nate's Drinking and Callie's Accusations [00:27:00]

• Nate admits to drinking and going to a friend's house, but denies lying about his intentions.
• Callie accuses him of drinking and going to a female friend's house while she was out of town.
• The conversation highlights Nate's past drinking issues and Callie's belief that he continues to struggle.

  "i went to the friend's house and why did i go to the friend's house not to meet with the friend but to meet her friend who was a male electrician"

The Night Callie Had Their Son [00:29:00]

• Callie recounts the night she had their son, stating Nate left the hospital because he was tired and had work.
• She later found texts indicating Nate asked his friend to go drinking to celebrate, the same night their son was born.
• This event is a significant point of contention and distrust for Callie.

  "ask him what happened the night i had our son you had our son and said you look like you're getting fidgety why don't you go out for a little bit"

Callie's "Girl's Trip" and Nate's Upset [00:31:00]

• Nate expresses upset over Callie going on a "girl's trip" with her friends.
• Callie clarifies she took 10 kids to the beach, not a typical girls' trip.
• Nate's upset is framed as him not being allowed to go out with his own friends.

  "why were you upset why am i being labeled like i say these things when i don't nate why were you upset"

Nate's Insecurity and "Conspiracy Brain" [00:40:00]

• Nate is described as deeply insecure and projecting his issues onto Callie.
• His suspicions are labeled as "conspiracy brained," with his theories often revolving around Callie.
• He struggles to articulate specific behaviors, relying on vague terms like "shady behavior."

  "you are insecure you are an insecure man mm-hmm and you act on that by projecting aggressively on your partner"

Camera Footage and Deleted Evidence [00:45:00]

• Nate installed cameras in their home due to his suspicions about Callie and her roommate.
• Callie claims Nate deleted footage, while Nate believes she deleted it to hide infidelity.
• The disagreement over the camera footage and its accessibility highlights their lack of trust.

  "why do you think she deleted footage sometimes i can't because you can't find it"

Financial Audit: Credit Cards and Debt [00:55:00]

• Callie has significant credit card debt, including an $805 balance on a Credit One card and $3,328 on another.
• She also has a Premier Bank card with a $642 balance and a late fee.
• Her credit score is 500, indicating severe financial distress.

  "credit one you have another one dude okay whoa this is the highest credit one i've ever seen"

Financial Audit: Loans and Collections [01:00:00]

• Callie has multiple 401k loans totaling over $15,000.
• She owes money on a closed Premier card and has several collection accounts totaling nearly $3,000.
• The conversation touches on the statute of limitations for collections and the possibility of wage garnishment.

  "so yeah because you gave multiple months i yeah that's more i don't know why it printed out like that"

Financial Audit: Extreme Expenses [01:05:00]

• Callie's monthly expenses are extremely high, with rent at $3,100 and utilities totaling over $1,000.
• Groceries alone are estimated at $2,000-$2,500 per month.
• She also pays car payments for her adult children and has significant medical bills.

  "what's your rent what's your rent what's your rent thirty one hundred dollars a month what mm-hmm"

Financial Audit: Squishy Addiction and Budgeting [01:10:00]

• Callie admits to spending money on "squishy auctions" from TikTok, having over 100 at home.
• She claims these are for Christmas gifts, but the spending is a significant drain on her budget.
• The couple is advised to minimize their lifestyle and potentially have older children contribute financially.

  "i'm addicted to the tick tock squishy auctions that's what all those are oh it's endless"

Financial Audit: Nate's Past Actions and Callie's Discovery [01:15:00]

• Callie discovered inappropriate conversations and links to chat rooms/webcam sites on Nate's phone.
• Nate claims he was just talking to people on social media and venting, not flirting.
• Callie believes Nate's actions, even if not physical cheating, constitute inappropriate behavior and a double standard.

  "talking to somebody via text is not cheating well yes it could it definitely could be"

The Ex-Husband and Christmas Incident [01:20:00]

• Nate accuses Callie of having Christmas with her ex-husband and children at their house after a fight.
• Callie denies this, stating she took the children to the ex-husband's mother's house for an hour.
• This incident is presented as another example of Nate twisting her words and actions.

  "you went to his house either way i took the kids to his mother's house hung out there for an hour"

Financial Score and Future Outlook [01:25:00]

• The couple's financial score is extremely low (0.2 out of 10).
• Nate wants to get back together, expressing a willingness to work on trust, but Callie is hesitant due to his persistent issues.
• The possibility of reconciliation seems dim given the deep-seated trust issues and controlling behaviors.

  "the together part seems very far away 0.2 okay very good"

Post-Show Discussion and Roommate Call [01:30:00]

• The hosts plan to call Callie's roommate for an alternative perspective.
• The couple's financial situation is deemed too complex, with a recommendation for individual financial advisors.
• The deep-seated issues of trust, control, and financial mismanagement remain unresolved.

  "we are going to call the roommate we're gonna get that alternative perspective"