6: Vault: She Has No Remorse After STEALING From Her Husband!

Summary

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The Bert Show – "Vault: She Has No Remorse After STEALING From Her Husband!"

Release Date: February 10, 2026

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Episode Overview

This explosive episode of The Bert Show dives into listener drama as "Nicole" calls in—not only to confess to stealing her husband’s WaveRunners, but to defend her actions with zero remorse. The hosts, co-hosts, and callers challenge her logic, address themes of respect, manipulation, relationship agreements, and financial boundaries, holding nothing back as they unpack a marriage at war over toys and trust.

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Key Discussion Points & Insights

1. Background: The Deal about the WaveRunners

• Nicole and her husband married last June. They pooled wedding money, leading her husband to want to buy two WaveRunners for $14,000.
• Nicole insisted on focusing on house-related expenses and initially disagreed, but they compromised: If he could earn half the money ($7,000) through extra work and responsibly finance the remainder, he could buy the WaveRunners.

Quote:
“He worked nine months… he saved up the money, and he went ahead and put down $7,000 in cash and called our bank and got a loan for the other half. And he got the waverunners.”
— Nicole ([03:16])

2. Nicole’s Resentment and Justification

• Despite her husband fulfilling the agreement, Nicole still considered his purchase immature and irresponsible.
• She emphasized her own financial responsibility and indicated her frustration that he didn’t consider alternative uses for the money, such as a cruise she wanted.

Quote:
“A man is someone who takes care of their financial responsibilities… and my wife works very hard. Maybe she deserves a little playtime as well.”
— Nicole ([05:59])

3. The ‘Theft’ and Deception

• When a late payment courtesy call came from the bank, Nicole became furious and saw this as proof of her husband’s irresponsibility.
• She secretly enlisted a friend with an SUV to remove and hide the WaveRunners, then lied to her husband that the bank had repossessed them.
• She demanded he pay an additional $3,500 (half the remaining loan) to "get them back," using the supposed repossession as leverage.

Quote:
“I told my husband… the bank reclaimed them, repossessed them, and if he can go ahead and make the payment, half of the payment, that they would [return them].”
— Nicole ([08:12])

4. Hosts and Listeners React: Universal Outrage

• The Bert Show hosts systematically challenge Nicole's logic, repeatedly pointing out her husband honored their explicit agreement.
• They accuse Nicole of acting as "his mother" and manipulating their relationship.
• Several callers chime in, equally unsympathetic, calling Nicole a manipulator and warning this dynamic spells trouble for the marriage.

Quotes:
“You need to realize you’re not his mother.”
— Co-host 2 ([10:24])

“For her to even assume that listeners would even remotely agree with this woman is ludicrous… She definitely went back on the agreement.”
— Felicity, Caller ([12:06])

“That woman is absolutely a serious manipulator… You’re lying to him and you stole from him.”
— River, Caller ([14:06])

5. Revealing Motives: Nicole Didn’t Expect Him to Succeed

• Under probing, Nicole admits she agreed to the arrangement partly because she didn’t think her husband would succeed in earning the money.
• This admission illuminates her dissatisfaction and control in the relationship.

Quote:
“Did you only agree because you didn’t think he’d get the money?”
— Caller 1 ([13:33])
“I thought, yeah, I didn’t think that he would.”
— Nicole ([13:45])

6. Consequences and Final Thoughts

• The hosts and callers stress Nicole’s actions not only breached trust, but actually harm their joint finances and respect within the marriage.
• Nicole remains defiant, further reinforcing the severity of the relational dynamic.

Quote:
“The sad thing is because you helped him with his finances in the past. You have no respect for him anymore. You have no respect for him, and I don’t think you’ll ever get it back.”
— Co-host 2 ([15:17])

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Notable Quotes & Memorable Moments

• On the missing WaveRunners:
  “She uses this excuse to trick her husband into thinking that the water toys have been repossessed by the bank…”
  — Co-host 1 ([08:45])

• On marriage equality:
  "You can't see anything that could be controversial with what you're doing. This is very black and white."
  — Jeff ([11:30])

• Listener frustration:
  "We're gonna go. Nicole, I can't find anybody to support you in this... We could talk to you for the next hour, and nobody would say what you're doing is right."
  — Jeff ([16:23])

• Sobering assessment:
  “You have no respect for your husband, and this is sad.”
  — Co-host 2 ([15:29])

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Important Timestamps

| Timestamp | Segment | |-----------|---------| | 03:01 | Nicole explains the WaveRunner deal and purchase | | 05:18 | Hosts clarify agreement and probe Nicole’s rationale | | 08:12 | Nicole describes stealing and hiding the WaveRunners | | 10:24 | Hosts confront Nicole about her manipulative behavior | | 12:06 | Callers voice their anger and disbelief | | 13:45 | Nicole admits she didn’t expect husband to fulfill deal | | 15:15 | Hosts assess loss of respect in the marriage | | 16:23 | Final thoughts; hosts can't find anyone agreeing with Nicole |

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Tone and Takeaways

The Bert Show tackles the dramatic, real-life consequences of unspoken expectations, dishonest tactics, and manipulative behavior in marriages. The hosts’ tone is incredulous and candid, alternating between humor and tough love as they hold Nicole accountable for her actions. Listeners unanimously side against Nicole, underlining collective values of respect, fairness, and honest communication.

Takeaway:
Unspoken expectations and manipulative ‘corrections’ destroy trust. Agreements in relationships must be honored or explicitly renegotiated—no amount of past “help” entitles a partner to control or deceit.

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Transcript

[Podcast Host - Ad Read 1]

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[Podcast Host - Ad Read 2]

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[Jeff]

Right, Jeff, Quote unquote Nicole is on hold and ready to go. Do you want her to tell her story or do you want to tell her story first?

[Co-host 1]

The short version is this. She is doing something to her husband. She is stealing. She has stolen something that her husband has worked very hard for and she's holding it for ransom. And he doesn't even know. He has no idea that she's the one who stole. She knows it's Stolen. He knows it's stolen, but she is confused.

[Co-host 2]

But she said he didn't know.

[Co-host 1]

No, he knows that it's stolen. He doesn't know that his wife, for better or for worse, the woman who took his hand, like, a year ago in marriage and said, I will support you and love you forever, she has stolen something that he has worked his ass off for the past year to get.

[Co-host 2]

And she thinks that all the women are going to agree with her, and.

[Co-host 1]

She totally thinks she's justified.

[Jeff]

She has no conscience about this. Okay. Good morning. Is Nicole going on the voice disguiser or no?

[Co-host 1]

I think so.

[Jeff]

Hey, Nicole, Go ahead. You're on the voice disguiser.

[Nicole]

Hi, you guys.

[Co-host 2]

Hey. What'd you steal?

[Nicole]

You didn't set it up very nicely for me.

[Co-host 2]

Okay.

[Nicole]

Well, first of all, he didn't work a whole year for it. He worked nine months.

[Jeff]

We got to back up even more than that, because nobody knows exactly what he's worked for.

[Nicole]

All right, so we got married last June. And after we counted up all our wedding money, my husband got it in his head that he wanted to buy WaveRunners, and he wanted to buy two wave runners with all the accessories and all of that. And I said, no, we're buying a house, and we need money for landscaping and, you know, contract work and all the stuff that goes into a house. And he wanted to spend $14,000 on these two waverunners. So I came up with the idea that if he worked his butt off and decided that he absolutely needed those waverunners, he could pay for half of the waverunners and then take out a loan for the second half and be responsible for the loan. So that was our deal. So for nine months, he went and worked with friends on construction sites. He built decks. He did a lot of handyman work. And in nine months, he saved up the money, and he went ahead and put down the $7,000 in cash and called our bank and got a loan for the other half. And he got the waverunners. Well, after he got the waverunners, I was kind of mad. I mean, he realized in those nine months how much money $7,000 is and how that could go towards our house. Also, Heidi's been wanting to go on a cruise forever, and he didn't take that into consideration, and I. I got mad. And I think I'm completely entitled to be upset that he's, you know, acting like a little boy who wants his toys. Okay.

[Co-host 2]

Just let me make sure that we're clear on this. So when you had the Initial conversation with him. The initial agreement. Did you bring up the cruise? Did you bring up the house?

[Nicole]

No.

[Co-host 2]

Or did it. Was it just the wavering?

[Nicole]

Not in that conversation. But he. He knew.

[Co-host 2]

Wait, hold on a second.

[Nicole]

I cut out, you know, magazine articles about where I wanted to. No, no, no, no.

[Jeff]

That wasn't the question.

[Co-host 2]

That's not my question.

[Jeff]

Melissa.

[Co-host 2]

That's not my question. The agreement. I'm asking a question. And answer the question directly, please. If you had an agreement with him about the Waverunners and he fulfilled his part of the agreement, you still think you're entitled to call him a little boy?

[Nicole]

Yes.

[Caller 1]

Okay. Because I still don't know how she's still.

[Nicole]

A man is someone who takes care of their financial responsibilities. And, you know, after nine months of marriage, he could look around and realize, wow, there's a lot to be done around here. And my wife works very hard. Maybe she deserves a little playtime as well.

[Jeff]

Okay, let's get to the second part of the story, because we haven't even gotten to that.

[Co-host 2]

Okay, so there's more. I'm sorry.

[Podcast Host - Ad Read 2]

Yeah.

[Co-host 1]

She hasn't stolen.

[Co-host 2]

Oh, I'm sorry. So there's more. I just wanted to be clear on that. Okay, let's move forward.

[Jeff]

So up until this point, you guys made an agreement. He went through on the agreement that the two of you made together. At this point, you still think that he's being childish, but let's move on to the second phase.

[Nicole]

Well, so I'm kind. I'm kind of upset that he actually went ahead and bought the Wave Runners with this money. And so I'm at home one day, and I get a phone call from the credit union, and they said, we haven't received your first payment yet, and you're going to get a late charge of $35. Maybe you haven't received the coupon booklet, or, you know, we're not sure. But if you send it in now, you know, you'll only be charged $35. Well, I was fuming. I validated everything that I thought about the whole negotiation. And I. I called my friend and I said, can you believe this? Not only are we getting. Not only are we do we owe the bank $7,000, but we also owe them $35 late fee. You know, am I the only one who knows how to balance a checkbook? It was infuriating. So she has a car, a big suv, and so she came over and we hooked up the. The Wave runners, and she took them where? They're behind her garage. So And I told my husband. My husband obviously was wondering where they are. And I told him that the bank reclaimed them, repossessed them, and if he can go ahead and make the payment, half of the payment, that they would.

[Co-host 1]

Return them half the payment, half of the balance.

[Co-host 2]

So the 30 had to pay $3,500.

[Nicole]

Of the loan they're demanding. He'll get his wave runners back.

[Co-host 1]

So in summary, he busts his ass, saves seven grand, takes out a banknote, and is financing the other seven grand. His first payment is three days late. That was the courtesy call. And the call, if I'm not mistaken, was, hey, in case you haven't received your payment book yet, your first payment is now due.

[Jeff]

So it hasn't. It wasn't officially late. Right.

[Co-host 1]

It was like a courtesy call saying, you know, sometimes the payment books take time to generate or whatever. Boom, you gotta pay. Make your payment now. And so she uses this excuse to trick her husband into thinking that the water toys have been repossessed by the bank and cannot be reclaimed until he comes up with 3,500 more dollars, which.

[Caller 1]

You know, he can't do.

[Nicole]

Well, then he shouldn't have gotten himself in this mess.

[Co-host 2]

Did you pay that first payment? Since the bank really didn't repossess those WaveRunners, yes, I did.

[Jeff]

So I don't. I have zero idea how you can defend this.

[Nicole]

You know, I grew up. I started working when I was about 14 years old. I have pulled my husband's credit out of the toilet. I have been nothing but responsible. He needs to learn how to handle his finances better. He's not five years old. You can't just stomp your feet and get any toy you want.

[Jeff]

He did everything that you guys agree to. Everything.

[Nicole]

Yeah, but there's a subtext there. He needs to pick up on that.

[Jeff]

What's the subtext? There was no subtext in your agreement with him.

[Nicole]

The subtext is, hey, we're in our 30s. We're adults. Get your shit. Get your crap together. And you need to spend your money on family stuff. We are family.

[Jeff]

That is not the agreement that the two of you made.

[Podcast Host - Ad Read 2]

Well.

[Nicole]

And even if you know what, he needs to read between the lines.

[Jeff]

No, come on.

[Caller 1]

You need.

[Co-host 2]

You need to. You need to realize you're not his mother. And you. You were the.

[Nicole]

Are you a psychologist?

[Co-host 2]

Excuse me, I'm somebody that you called for advice from, I think, or to call for justific from, or support from. But I am a woman, and I'm telling you that I don't agree with you. Your story is that you went back on the deal that you agreed to and you're acting like his mother. And you haven't even been married for a year or just a year. This is ridiculous.

[Nicole]

It's really not ridiculous. It is ridiculous. Is that if you take out a loan for $7,000, even if you don't get a coupon in the mail, set.

[Jeff]

Up an automatic payment, that has zero to do. Zero to do with the agreement that you made with your husband.

[Caller 1]

And that's also not why you're mad, right? Well, I'm not mad because he was.

[Nicole]

Three days and I. And I really. I don't know why you're taking his side on this. Because it's because he fulfilled his end of the bargain. Excuse me?

[Co-host 2]

You can't see his end of the bargain. You did not.

[Jeff]

You can't see anything that could be controversial with what you're doing. This is very black and whitey.

[Co-host 1]

Yeah, hold on.

[Nicole]

It's about knowing your responsibilities. And, you know, I, as I said, I pulled him out of a horrible credit situation.

[Jeff]

Doesn't matter.

[Nicole]

Was it. If it wasn't for me, he would probably have to declare bankruptcy.

[Jeff]

Doesn't matter. Not the agreement you made.

[Co-host 1]

But she saved him, Bert.

[Co-host 2]

So she gets to tell him what to do and act like his mom the rest of the marriage.

[Nicole]

Excuse me?

[Co-host 1]

Nothing.

[Jeff]

Felicity, you're on Q100.

[Caller 2]

I am so furious, but not furious with him. For her to even assume that listeners would even remotely agree with this woman is ludicrous. I mean, this is definitely going to be a one sided relationship. And she definitely, definitely went back on the agreement. And it like, like Jeff said, I mean, it was only. It was only late. Just a little bit late. Absolutely ludicrous. The woman's crazy.

[Co-host 1]

And it was the first payment. Like I. And I guarantee you, if you called your bank or your credit union or whoever it was back and said we didn't get the payment book on time, blah, blah, blah, blah, they would cancel out that first charge. Especially, you know, they might say, well, I'll tell you what, we'll delete it after you've made your first three on time, or something like that.

[Jeff]

Nicole, what I can't understand here is how your sense of what's right and wrong is so warped that you would actually think that people would rally behind you on this.

[Nicole]

Well, obviously you are not in this relationship. You don't know the history behind our finances. You don't know how irresponsible he can be.

[Co-host 2]

Then you shouldn't have made the agreement.

[Jeff]

Right.

[Co-host 2]

Then you should not have made the agreement.

[Nicole]

Well, I'm sorry. When a grown man is begging like a 10 year old, jumping up and down, wanting his waverunners, what do you do? You want me to be like, being dramatic? You know, he deserves some joy in life. Then you have to realize your responsibilities.

[Caller 1]

Nicole, let me ask you this. When you first talked about the Waverunners and you guys sort of set up the deal about how he was going to do it, did you only agree because you didn't think he'd get the money?

[Nicole]

I thought, yeah, I didn't think that he would.

[Caller 1]

So then he proved. Then he proved you wrong.

[Nicole]

I was surprised.

[Co-host 2]

Yeah.

[Caller 1]

So then he.

[Nicole]

And you know what? After he saved that much money, I'm like, well, gee, nice of you to try a little harder.

[Co-host 2]

You're wrong.

[Caller 1]

So that's the only reason she agreed in the first place.

[Jeff]

Hey, river, go ahead. You're on Q100.

[Caller 2]

Hey, guys, how are you doing? That woman is absolutely a serious manipulator.

[Jeff]

You think?

[Caller 2]

Absolutely.

[Nicole]

She.

[Caller 2]

How could you do that? You're lying to him and you stole from him. And that. That's so much better than him being a child and not responsible. And that was responsible, what you did. Absolutely not. And if any woman agrees with you, you're just as crazy as you are.

[Jeff]

I can't find anybody to agree with her. That's the good news.

[Co-host 1]

What's gonna happen, Nicole, if he goes into work, you know, or talks to his buddies, or even probably a better move, talk to like a buddy's wife. And they say, you know what you should do? I mean, that's. You're only. You're not more than a month past due. You should go in and talk to the person who did your loan and go, hey, I'm really sorry about this. Here's a check for two payments or something like that. What are you gonna do if he walks in and tries to negotiate that? Because.

[Nicole]

Because he doesn't have that insight. He would never do that.

[Co-host 1]

But he could find somebody else might, like you're taking advantage of him, but somebody else might be smart enough. I mean, he got the loan.

[Nicole]

He doesn't really discuss his finances with anybody but me.

[Jeff]

You don't even know what he's capable of. You didn't think he'd be coming up with the money.

[Co-host 2]

You know what?

[Co-host 1]

And he got the loan on his own.

[Co-host 2]

Yeah.

[Podcast Host - Ad Read 2]

The sad.

[Co-host 1]

He missed the first payment all by himself.

[Co-host 2]

The sad thing is because you helped him with his finances in the past. You have no respect for him anymore. You have no respect for him, and you. And I don't think you'll ever get it back.

[Podcast Host - Ad Read 2]

See?

[Co-host 2]

Exactly. You have no respect for your husband, and this is sad.

[Jeff]

Good morning, Kelly. You're on Q100. Hi.

[Caller 2]

I want to totally agree with the last two callers. I mean, she is a manipulator, and she's being very selfish. I went through a very similar situation with my fiance. He wanted a $7,000 guitar. We're both in our 30s. His credit's in the trash. I own the house.

[Nicole]

But yet.

[Caller 2]

We made the deal. You pay for half, you finance the other half, and it's yours. We have a hole in our roof, but yet our agreement was to pay for half, and he's done that.

[Caller 1]

And that doesn't make you mad when you think about the hole in your roof?

[Caller 2]

It does. But, you know, that wasn't part of our agreement, and the house is mine in all technical terms, so shouldn't that be my responsibility?

[Jeff]

In agreement.

[Co-host 1]

She's comforted by the sounds of Stairway to Heaven.

[Jeff]

We're gonna go. Nicole, I can't find anybody to support you in this. And I can't believe, like I said before, that you've got this warped sense of justice, that somehow, some way, you thought people would actually rally behind you. We could talk to you for the next hour, and nobody would say what you're doing is right.

[Co-host 1]

Is there anything that could happen? Because the lifespan of a waverunner in Georgia is not like how long you're gonna own it for, but the season to use it is.

[Jeff]

Well, we may be at. The good news is we may be out of water, and he'll never have a wave to actually use it on.

[Co-host 1]

It's like three or four months, right? And it took him nine months to get seven grand, so it's fair to assume it'll take him at least four to get half of that.

[Co-host 2]

Right?

[Co-host 1]

You follow my math? Which is right about the time summer's.

[Co-host 2]

Wrapping up, are you gonna get. I mean, what is the plan for these waverunners?

[Co-host 1]

And then all of a sudden, stay there until he.

[Nicole]

He figures it out, you realize what.

[Co-host 1]

Out you're talking about? Finances.

[Podcast Host - Ad Read 2]

Just.

[Co-host 1]

You realize that at the end of this season, those $14,000 WaveRunners are probably gonna be worth, like, 11 grand, you know, because the value, it'll be a model year older and everything. So your cost. You're taking money out of your own family's pocket.

[Podcast Host - Ad Read 2]

Wow.

[Nicole]

Amen.

[Co-host 2]

I feel bad for him. I really feel bad for him.

[Jeff]

Yeah, this is. I can understand how, as a single guy, you're listening to the show going, I'm never getting married. Never, never, never, never, never, never, never getting married. See you later, Nicole.

[Nicole]

Bye.

[Podcast Host - Ad Read 2]

Wow, the bird show.