Financial Audit Podcast Summary

Episode Title: "Imbecile Knocked Her Up, Now She’s F*cked | Financial Audit"

Host: Caleb Hammer
Guests: Bianca (21) & Tyler (21) from Lafayette, Louisiana
Air date: May 28, 2025

Episode Overview

In this raw and occasionally biting episode, host Caleb Hammer sits down with a young married couple, Bianca and Tyler, to dissect their precarious financial situation. With a 6-month-old baby, a mountain of debt, and serious breakdowns in communication, the couple faces the full force of Caleb's financial grilling. The conversation exposes not only their unsustainable spending and reliance on payday loans but also deep-rooted patterns of avoidance, lack of partnership in finances, and an aversion to confrontation that threatens both their financial and marital future.

Key Discussion Points & Insights

1. Background & Context

• Bianca and Tyler, both 21, married for 9 months, together since high school.

• They have a 6-month-old daughter; Bianca is a stay-at-home mom and recently started earning $500/month for babysitting her nephew.

• Tyler works 50-60 hours/week as Assistant Manager (training) at Chick-fil-A, making $20/hour plus overtime.

  [04:21] Tyler: "Currently around right under two grand. So like 1900 on a monthly basis. No, no, no, no, no. Check. So right under grand."

• Combined household monthly income: approx. $4,300 ($51,600/year), above local median for their age.

2. Relationship Dynamics & Communication Gaps

• The couple admits to significant strain due to Tyler’s work hours and lack of shared time ([05:04]–[05:51]).

• Clear pattern of financial separation: one joint account, barely used; separate finances; Bianca out of the financial loop.

• Both admit to avoiding confrontation and uncomfortable discussions.

  [20:24] Caleb: "It's just so you can avoid this and never have to talk about this."

  [20:51] Caleb: "I don't think you're, like, married. Like, I think you guys can make a kid, but you guys are not acting like you guys are together. My. My, My. Hers. Hers, hers. His, his, his. What the. Why are you so separate on everything?"

• Tyler has handled almost all finances and withheld financial stress (and information) from Bianca under the guise of protecting her during pregnancy, revealed by his secret payday loans.

  [08:05] Tyler: "I didn't want to put any stress on her. So I would, I guess, yeah. Go behind her back."

  [14:36] Caleb: "He can continue to go behind Your back on this. That is the logic he is using. And I want that to be very clear."

3. Debt Situation: Payday Loans, Credit Cards & More

• Tyler opened multiple (4+) payday loans with astronomical interest rates to "cover necessities" after a failed roommate arrangement left them paying full rent on a new apartment ([09:18]–[10:03]).

• He did not inform Bianca about the payday loans; she discovered them during the podcast.

• Frequent credit card use led to maxed-out cards, missed payments, fees, and tanked credit scores for both.

• Notable spending included a Costa Rica post-high school trip ($5,000, start of the debt spiral), household furnishings, squishmallows, eating out, and more.

• Non-essential pets and a premium on lifestyle choices continued despite their situation (dog for security after a break-in, snake, expensive couch, midwife fees).

  [48:58] Tyler: "At that time, I was in a mindset. You have high limits. You have income. The minimum payments aren't that bad. So you think you could just spend, spend, spend. But then once you spend, spend, spend. It gets to this point, yes."

• Total debt (including payday loans, credit cards, money borrowed from family, unpaid invoices): ~$27,000+, not all consolidated or clearly accounted for.

• Most shocking: several payday loans have effective annual rates >500–700+%; their monthly repayment obligations far exceed their capacity, creating a "debt treadmill."

4. Behavior Patterns & Avoidance

• Repeated cycles of avoidance: Tyler stops paying credit cards to keep lights on but continues some discretionary spending.
• Bianca admits to being "too accepting" and not pushing back: "I just feel like when I do confront, I just get a lot of excuses. So it’s just..." ([67:30])
• Tyler uses "protecting from stress" as a justification for non-disclosure: "I didn't want any stress on her shoulders. She was already overwhelmed. She was pregnant. We were doing something really different. Doing a midwife." ([08:43])
• Their lack of joint financial planning and honestly confronting their situation is identified as a root cause of their predicament.

5. Critical and Memorable Moments

• Avoidance as Relationship Norm: Caleb persistently challenges both about their accountability avoidance—particularly Tyler's financial secrecy and Bianca's passivity.

• Financial Infidelity: Caleb repeatedly calls out Tyler for "financial infidelity," likening it to cheating in terms of trust in a relationship.

  [56:23] Caleb: "It's different than infidelity, but it's in the same area financially, mentally, of like he was willing to do something pretty egregious behind your back."

• Staggering Payday Loan Interest: All payday loans are insidiously structured; a $500 loan obligates them to repay $2,000–$2,500+.

• Lifestyle Creep & Excuses: Despite hardships, they continue spending on non-essentials (vapes, new pets, subscriptions, Doordash). Caleb points out the contradiction between their claimed desperation and actions.

• Mocked Separateness: Caleb lampoons their language (“my car,” “her baby,” etc.) as symptomatic of their lack of marital partnership.

• Transparency Breakthrough: In real-time, Bianca learns details of their debts, interest rates, and Tyler’s management—her shock is palpable.

• Cycles of Excuses: Caleb notes the "accountability trope"—the couple repeatedly acknowledges what they need to do but doesn't act on it.

6. Practical Solutions and Advice

Caleb ultimately lays out three options:

1. Second Job & Real Budgeting: Bianca works evenings (grandparents babysit), bring in extra $1,500/month, throw all at debt, live barebones for 4+ years ("builds discipline for life") ([105:01]–[107:18])
2. Bankruptcy: A shortcut with severe long-term consequences—should only be considered if behavioral change can be demonstrated.
3. Let Debt Default: Let debts go to collections (credit ruined for 7+ years), but this is last-resort.

> **[108:09] Caleb:** "Pick up more hours. I know that sucks... But this is what we have to do. It's this position you guys have literally put yourselves in by choice. Choice. And now you're here and it's time to deal with it."

• Additional advice: Get health insurance through work, consolidate and monitor all finances, eliminate subscriptions, hold each other accountable, make necessary sacrifices (like downsizing apartments or selling the expensive couch).

7. Recurring Themes & Warnings

• Lack of Partnership: Functioning as two individuals under one roof—emphasized as unsustainable ("You guys can make a kid, but you are not acting like you are together." — [20:51])
• Excuses & Deferral: Immediate recognition of problems but no follow-through on solutions.
• Impending Crisis: Caleb repeatedly warns their inertia will lead to eviction, divorce, or bankruptcy.

8. Host’s Tone and Approach

Caleb is direct, irreverent, sometimes abrasive, but ultimately wants to provoke action. He employs sarcasm, pointed language, and humor to hammer home the gravity of the couple’s circumstances.

[24:17] Caleb: "For absolutely dumb sink. What the are we doing? They just told me you haven't been paying on the cars for a couple months. The guy who runs. Did you know this?"

Notable Quotes & Timestamps

• [14:36] Caleb to Bianca: "He can continue to go behind your back on this. That is the logic he is using. And I want that to be very clear."
• [20:51] Caleb: "I don't think you're like married. Like, I think you guys can make a kid, but ... you are not acting like you guys are together."
• [56:23] Caleb: "It's different than infidelity, but it's in the same area financially, mentally, of like he was willing to do something pretty egregious behind your back."
• [42:00] Caleb (sarcastically): "Happiest city in the U.S...I don't know what the you're talking about. Declining job market, declining stage."
• [91:02] Caleb: "You guys are saying great buzzwords of what you need to do. I wish you guys would do any of it. Like. Like what the is we need a term for this. Like an. It's an accountability trope that you guys throw yourself and you throw out the words that you need to say but then you don't do anything."
• [109:27/Outro] Caleb: "You guys don't understand what you're doing. Mike creates a child. Are we not clear on. This isn't another debt. We just don't have a statement for it."

Key Timestamps for Major Segments

• 00:47–03:31: Introductions, background, and relationship timeline
• 05:01–06:38: Strain from work schedule; relationship impact
• 07:21–08:43: First discussion of payday loans, secrecy
• 09:18–11:07: Why payday loans, details of demotion and failed roommate situation
• 14:36: Caleb’s summation of Tyler’s justifications and the ongoing secrecy logic
• 20:24–21:15: Host critiques their separateness and lack of teamwork
• 24:17: Discovery they've stopped paying on credit cards
• 25:10–29:52: Spending review; defensive explanations; unwillingness to downsize or sacrifice
• 34:40–39:15: Breakdown of credit card behaviors and history
• 48:58: Tyler's mindset on credit limits and unchecked spending
• 56:06–56:58: Restoring trust after financial infidelity
• 67:33–68:10: Bianca's attempt at confrontation and Tyler's avoidance
• 91:02: Host’s critique of their buzzword-laden but actionless mentality
• 105:01–107:17: Caleb delivers three paths forward, recommends drastic budget shift and second job
• 109:27–109:38: Episode wrap, final warning, and offer for resources

Final Thoughts

This episode lays bare not just a financial crisis, but a relationship at a critical crossroads due to lack of communication, accountability, and partnership. Unfiltered and uncomfortable at times, the conversation is a stark, cautionary tale about the consequences of unaddressed debt, secrecy, and avoidance—especially for young couples. Caleb’s advice is firm: actionable discipline, joint responsibility, uncomfortable but necessary conversations, and a wholesale shift in mindset are essential for any hope of real recovery.

For listeners: If you’re in a partnership, let this be a warning about the peril of separate finances, avoidance, and unchecked lifestyle creep—especially when a child’s future is on the line.

Further Resources:

• Caleb’s budgeting app and financial courses (see episode links)
• Access to post-show for further content and follow-up

If you need the numbers or in-depth breakdowns by account, see timestamps 34:40–94:50.