Vault: She Found A Car Payment She Didn't Know About

Summary

---

The Bert Show: "Vault: She Found A Car Payment She Didn't Know About"

Episode Date: May 22, 2026
Main Hosts: Bert Show Cast (Bert, Kristin, Abby, Cassie, Tommy, et al.)
Main Segment: Caller “Nicole” (voice disguised) discusses the mysterious discovery of a car payment in her family’s finances

---

Episode Overview

This episode centers around a phone-in segment featuring Nicole, a concerned wife who discovered an ongoing, unexplained $502 Honda-related car payment being made out of her family’s finances. The conversation explores her confusion, initial suspicions, and the debate between the show hosts and listeners as they try to diagnose what could be happening. The segment is an authentic, relatable, and sometimes humorous look into financial transparency (or lack thereof) in marriage, as well as trust and communication issues.

---

Key Discussion Points & Insights

1. Nicole’s Situation: Discovery and Context

• Nicole reveals she discovered a $500+ monthly car payment from their finances, but claims neither she nor her husband has a new car.
  • Nicole: “I saw this payment for like $500 for… and it’s a car payment. And what freaked me out is that we don’t have a new car… I’m kind of freaking out a little bit. I haven’t said anything to him.” [02:55]
• Nicole explains she’s not involved in family finances; her husband handles all bills and investments, and her own spending isn’t restricted.
  • Nicole: “I don’t know anything about the finances… it’s always been like that and I have no problem with it.” [01:56]
• She admits to being embarrassed by her lack of knowledge and feels somewhat blindsided.
• The payment has reportedly been going on for almost a year, and no one in her husband’s family or friend group seems to have acquired a new car or related vehicle.

2. Considering Possible Explanations

• The hosts and Nicole brainstorm various scenarios:
  • Could it be for a secret car for himself, a family member, or even a Christmas present? [03:36]
  • Is it a Honda product other than a car, like an ATV or motorcycle, or possibly a home renovation or appliance financed through Honda's finance arm? [07:00]
  • Is it possible he’s supporting a secret family, a mistress, or doing something nefarious with the funds? [05:48]
• Memorable Quote:
  • Radio Host: “That would shake you up a little bit. So… what are you really thinking is going on? What’s your worst fear?” [03:51]
  • Nicole: “My worst fear is it’s someone that I don’t know… but that doesn’t even cross my mind.” [03:58]
  • Radio Host: “It’s amazing how many things you can consider busy work when you really don’t want to have a conversation." [05:30]

3. Listeners and Call-ins: Personal Experiences and Advice

• Multiple listeners call in to offer perspectives:
  • One listener, Rachel, shares that Honda finances more than cars and suggests it could be something like an ATV. [06:42]
  • Another, Laura, advises Nicole to hire a private detective, citing her own bitter experience as both “a mistress and someone cheated on.” However, the hosts push back against jumping to conclusions. [07:50, 09:17]
  • Advice is given to do more basic research first—like calling the bank—before jumping to worst case scenarios or hiring investigators. [07:38, 10:05, 10:48]
• Memorable Quote:
  • Laura (Caller): “She needs knowledge to go forth in this. I really hate to think the worst case scenario, but… I don’t see how it’s any other way.” [07:50]
  • Radio Host: “If there’s something in my bank account that Jessica can’t explain and she looks at it once and hires a private detective, that’s a bigger problem.” [09:41]

4. On the Importance of Financial Transparency and Communication

• The hosts reflect on how lack of involvement in household finances can lead to misunderstandings or missed warning signs, and share anecdotes about partners hiding major expenses or other relationships.
• Nicole says she prefers to have this conversation with her husband in person rather than over the phone due to the seriousness of the matter. [05:39]
• Notable Quote:
  • Radio Host/Interviewer: “And benefit of the doubt… if he was to get financing for something, why would he come to you and tell you? Because it’s not like you’ve been involved in the finances up to this point.” [10:19]

5. The Plan and Cliffhanger

• The consensus is for Nicole to call the bank first, verify what the $502 “Honda” payment is for, and only then broach the topic with her husband if necessary.
  • Radio Host: “So most are calling saying you need to do some research before you go ahead and hire a detective.” [10:43]
  • Nicole: “I could call the bank. And even if I were to approach him with it, I really think… like the detective thing is so way, way out there. Never do that.” [10:53]
• The show asks Nicole to check back on Monday with an update on the outcome—a classic Bert Show cliffhanger. [11:10]

---

Notable Quotes & Memorable Moments

• Nicole’s Honesty about Her Embarrassment:
  • “I’m kind of embarrassed to say that I don’t know anything about the finances in my family.” [01:41]
• Hosts on Avoidance:
  • “It’s amazing how many things you can consider busy work when you really don’t want to have a conversation.” [05:30]
• Best Advice:
  • “Call the bank before you call the detective.” [10:05]
• Suspicion vs. Reason:
  • Laura (Caller): “Men lose their mind and it doesn’t matter…” [08:37]
  • Radio Host/Interviewer: “If there’s something in my bank account that Jessica can’t explain and she looks at it once and hires a private detective, that’s a bigger problem.” [09:41]

---

Important Timestamps

• 01:29 — Nicole introduced on the voice disguiser, describes initial discovery.
• 02:55 — Nicole details her complete lack of involvement in family finances.
• 05:18 — Nicole admits she hasn’t brought up the payment with her husband yet.
• 07:00-07:42 — Discussion of possible alternative explanations for the Honda payment (ATV, motorcycle, home product).
• 07:50-10:00 — Callers share cautionary tales, one advocates hiring a detective.
• 10:05 — Hosts coalesce around the advice to call the bank first before confronting the husband or taking more drastic action.
• 11:10 — The Bert Show asks Nicole to call back with an update for follow-up in a future episode.

---

Summary Wrap-Up

This episode offers a compelling real-life scenario touching on modern marriage, financial transparency, trust, and the dangers of jumping to conclusions. Through Nicole’s story and the input of other listeners and hosts, the segment stresses the importance of gathering facts before initiating difficult relationship conversations. The mix of empathy, humor, and practical advice makes it both entertaining and relatable, culminating in a classic Bert Show “to be continued” scenario, leaving listeners eager for Nicole’s Monday update.

---

Transcript

[Weight Loss Advertiser]

Okay, can we talk about how confusing weight loss has become? Like, one minute it's carbs are bad, and then the next it's no, actually, carbs are fine, but only if you walk 10,000 steps and drink a green juice. And honestly, it's just a lot. And then even if you do lose the weight, keeping it off is a whole different story. If you're struggling and want something that fits your real life, hers can help. It's designed to support you in reaching your goals in a way that actually fits your life. That's why weight loss by hers is getting so much attention right now. Hers connects you with licensed medical providers who create doctor developed treatment plans tailored to you. They offer access to an affordable range of FDA approved GLP1 medications, including the Wegovy pill and the Wegovy pen. It helps regulate your appetite so you eat less and keep the weight off. If you're ready to reach your goals and want to try something new, visit for hers.combert to get personalized, affordable care that gets you. That's F O R h e r s.comb for hers.com Bert Weightliftsbyhurst is not available in all 50 states, but go via registered trademark of Novo Nordisk A S to get started and learn more, including important safety information with Gobi clinical study information and restrictions.

[Veteran Support Host]

Visit borhears.com navigating post military challenges can be tough. Regardless of when you served, you are not alone. Connect with fellow Oregon veterans and find activities, navigate resources and join a community to help support your journey or challenges after military service. From mental health support to veteran community groups and activities, discover what's possible for you at BeyondTheMilitaryUniform.com that's BeyondTheMilitaryUniform.com the bird

[Radio Host]

show okay, Nicole, you're on the voice disguiser. How are you this morning?

[Caller Concerned Wife]

I'm good. How are you doing? Okay.

[Radio Host]

So you found some car payments to a car that's not the family's?

[Caller Concerned Wife]

Yeah, yeah, yeah, yeah, yeah. It was like a couple days ago. And I'm kind of embarrassed to say that I don't know anything about the finances in my family.

[Radio Host/Interviewer]

Okay.

[Caller Concerned Wife]

You know, I have a job, my husband works. I. I get my check. I know what taxes are taking out and stuff like that. But as far as the bill paying and our statements and our investments and stuff like that, and we're not, you know, when I say investments, we're not healthy by any stretch of the imagination. But he does everything. And we've been married for eight years and I just, I just, it's always been like that and I have no problem with it. You know, I get my money when I want money. I've never, you know, I'm able to do whatever. We talk about things, but he does, basically does all of the bill keeping and I don't know, a couple days ago around Thanksgiving, I was thinking about the fact that I don't know what's going on. And I just had some time the other day and I went online and he's got all the passwords to like all the different accounts in a book.

[Radio Host/Interviewer]

So you went nosing around in your own finances?

[Caller Concerned Wife]

I did. I went nosing. I did. And anyway, I'm looking through stuff and I saw this payment for like $500 for. And it's a car payment. And I only know it's a car payment because it said something like some kind of Honda thing. And what freaked me out is that we don't have a new car. I have a car, he's got a car. I've got like they're both two years old. It's like Ford and Toyota cars. And we paid them off. And I'm kind of freaking out a little bit. I haven't said any to him.

[Radio Host/Interviewer]

Does anybody in his small circle have a new car?

[Caller Concerned Wife]

No. And like, I was thinking about family, his friends, and then, I don't know, I was thinking maybe it could be like a Christmas present or something, but it's literally been for almost a year.

[Radio Host]

Huh. That would shake you up a little bit. So what, what, I mean, what are you really thinking is going on? What's your worst fear?

[Caller Concerned Wife]

Well, my worst fear is it's someone that I don't know and that I've never, I've trust my husband completely and we don't have any problems, no issues, no nothing. And you know, I told a dear girlfriend of mine, she was like, well, do you think it's, you know, he's paying for someone's car like, you know, like another woman? And that doesn't even cross my mind.

[Radio Host]

404-741-Q100.

[Radio Host/Interviewer]

Now, were either of you married previously? No, before that. Okay. Before each other. And then what about children? You guys have children or did he have children from a previous relationship?

[Caller Concerned Wife]

No, no children. And he doesn't have children from a previous relationship or anything?

[Radio Host]

No, you know, I'm just trying, I'm just trying to give him the benefit of the doubt and just throwing a whole bunch of.

[Caller/Listener]

Could it be one of his parents

[Radio Host/Interviewer]

cars or one of your parents Cars?

[Caller Concerned Wife]

I don't think so. I mean, you know, everybody is fine. We've all got our own cars. No, it's never an issue. It never comes up. I just can't really. I'm like, really. You know, I just don't know who it could be. And I haven't said anything to him because. I don't know. I guess. I don't know.

[Radio Host]

This is going to be the weekend. This will be the weekend. You say something to him?

[Caller Concerned Wife]

Yeah, I kind of want you. I mean, I've been busy. He's been busy, and literally he's been traveling. So he gets back tonight and, you know, we've talked on the phone a couple times, but I just want to talk to him this weekend. But I just don't know what to say.

[Radio Host]

It's amazing how many things that you can consider busy work when you really don't want to have a conversation. Yeah, I gotta eat.

[Radio Host/Interviewer]

She wants to have that conversation in person, not over the phone, right?

[Caller Concerned Wife]

No. Yeah. No, I didn't want to say anything to him over the phone. I couldn't. You know, I want to see him and, you know. You know, but I'm kind of. I don't know, I'm freaking out a

[Radio Host]

little bit from time to time you hear this. And it always, always surprises me that, like, when a guy has another apartment that he's got a girlfriend in that the wife had no idea or is buying cars. I think like in the Steve McNair case, he had apartments and he had cars for another woman, and the wife never had any idea whatsoever, you know.

[Radio Host/Interviewer]

But I still want to hope that's not the case.

[Radio Host]

Yeah, yeah, yeah, yeah.

[Radio Host/Interviewer]

What would it. How did you say how much the payments?

[Caller Concerned Wife]

It's like 500. It's actually $502.

[Radio Host/Interviewer]

502.

[Caller Concerned Wife]

And that's a lot of money, you know, It's a lot of money. And that's not a cheap car, right?

[Radio Host/Interviewer]

Is it?

Does it not explain. Does that what you're looking at? It doesn't show where the payments are going to or what car it is?

[Caller Concerned Wife]

No, I don't have it in front of me now, but it was a. It said something about Honda, so it's

[Caller with Personal Experience]

like a Honda Drive.

[Caller Concerned Wife]

Okay.

[Radio Host]

Good morning, Rachel. You're on Q100.

[Caller with Personal Experience]

Yeah, I was just wondering if. Because Honda sells things other than cars. Is she sure that it's not like an ATV or, you know, anything like that? Because, yeah, that's a kind of an

[Caller Concerned Wife]

expensive payment, but if he only financed

[Caller with Personal Experience]

it for, like, two years. Then his payment could be $500.

[Radio Host]

Does any of that ring true with you?

[Caller Concerned Wife]

Not really, no.

[Radio Host/Interviewer]

No. Do they do like Honda does, like motorcycles and stuff?

I'm almost wondering if Honda has a finance like you can finance. Maybe, I don't know anymore, but like, there's a time where you could finance things through General Electric. General Electric had a finance arm, so you could. So I'm wondering if, like Honda has a finance arm, so he could have taken a loan out on the house to pay for some renovations. And it's through Honda Finance Company. If your name's on the account, it might be worth a phone call to the bank to find out what indeed that's going for before you.

Yeah.

Pull him into it.

[Radio Host]

Yeah, I think that's.

[Caller Concerned Wife]

Yeah, I didn't think about that. Yeah.

[Radio Host]

Yeah. Others were calling up, but they see the same advice on that. Hey, Laura, good Morning. You're on Q100.

[Caller with Personal Experience]

Good morning.

[Radio Host]

Hi.

[Radio Host/Interviewer]

Hello.

[Caller with Personal Experience]

Having been both a mistress and having been someone cheated on, she needs to get a detective if she's been in this marriage for eight years before he has a reason or a way to get himself out of it by just saying, oh, it's this. Oh, it's that. She needs knowledge to go forth in this. And I really hate to think the worst case scenario, but having heard everything right now, I don't see how it's any other way. And if you approach him with the true, you know, truth in front of, you know, on a piece of paper in front of him, he can't say anything.

[Radio Host]

Laura, was the husband that you were dating, was he paying for anything for you, like an apartment or.

[Caller with Personal Experience]

He offered a thousand times over to do this and I kept saying no. I just. The guilt got to me. I got out of it. I couldn't deal with it.

[Radio Host]

How can. How do you. How was he planning on hiding that from his wife? Was. Were they so rich that she would have been.

[Caller with Personal Experience]

Men lose their mind and it doesn't matter.

[Caller Concerned Wife]

My.

[Caller with Personal Experience]

My ex boyfriend got caught after he got married. We had continued talking to his friends because we actually had a business together at one point and he fell in love with this new girl and went crazy. And I kept warning him he better stop. And yeah, he got caught, but he was doing all kinds of stuff for her. And I'm like, you've got kids at home. I got mad at him, actually. So it's just one of those men lose their mind, they fall in love. And I don't want this for her. I want it to be Something ridiculously obvious that it's not. But she needs to. If she's got kids, she needs to be protected from this. And if she can't afford it, could you guys ask a detective?

[Radio Host/Interviewer]

Well, hold on. Before we get so far ahead of it, isn't it worth. It's nine o', clock, the bank's open. Isn't it worth her getting.

[Caller with Personal Experience]

She may not be able to obtain that information because she won't be the person on the account.

[Radio Host/Interviewer]

Yeah, her name's on the account. Okay, well, I mean, you're telling her to run out and get a detective because this happened to you, but if I'm her husband, ultimately she still. No, I understand that you're saying ultimately because this is what you did and what happened to you.

[Caller with Personal Experience]

I knew. No, I know it from both ends.

[Radio Host/Interviewer]

Right.

[Caller with Personal Experience]

And so men will make excuses for everything if she, if you, if you talk to her Monday.

[Radio Host/Interviewer]

But I'm telling you, from the guy's point. I hear what you're saying, but from the guy's point of view, if there's something in my bank account that Jessica can't explain and she looks at it once and hires a private detective, that's a bigger problem.

She needs to call the bank before the. Yeah, I agree with you, Jeff. She needs to call the bank.

Call the bank. And somebody did send a text message and says it is possible that Honda does other financing because when somebody got their car or something, they have like a Honda card.

And benefit of the doubt, he knows because you admitted you don't know anything about the finances at the home. And he knows that and he knows you don't. You have not been invested or cared about that. So saying he's doing something completely innocent. If he was to get financing for something, why would he come to you and tell you? Because it's not like you've been involved in the finances up to this point.

[Caller Concerned Wife]

Right, right, right. I agree. Yeah, yeah, yeah, yeah, yeah.

[Radio Host]

So most are calling saying you need to do some research before you go ahead and hire a detective.

[Radio Host/Interviewer]

Call the bank.

Call the bank.

Especially because you have no reason to think he'd be unfaithful to you.

[Radio Host]

Right?

[Caller Concerned Wife]

You know, you don't want to know. And that's, that's the thing. I mean, that's, you know, that something way, way, way back in the back of my head. But I mean, I could call the bank. And even if I were to approach him with it, I really think, like, in listening, this, like the detective thing is so way, way out there. Never do that.

[Radio Host]

Well, you're one we need to check back with on Monday to find out how it all panned out. So call the bank today and let's find out what happened with you on Monday, okay?

[Caller Concerned Wife]

Okay, I will.

[Radio Host/Interviewer]

Imagine if Stacy found one thing in your world, Burr, and immediately called a private detective.

[Radio Host]

I know, right? Well, the only way you would do that is if evidence in your head piled up that this was just one thing of a whole bunch of other things.

[Radio Host/Interviewer]

And it didn't cross her mind until

[Radio Host]

her friend said it right.

[Radio Host/Interviewer]

You know?

[Radio Host]

All right, so we'll check back with her on Monday morning.

[Veteran Support Host]

The Birch Show Navigating post military challenges can be tough Regardless of when you served, you are not alone. Connect with fellow Oregon veterans and find activities, navigate resources and join a community to help support your journey or challenges after after military service. From mental health support to veteran community groups and activities, discover what's possible for you at BeyondTheMilitaryUniform.com that's BeyondTheMilitaryUniform.com you know what?

[Spinquest Advertiser]

It sucks to be bored. But when I get on my phone and play real casino games on spinquest.com, the time flies by. That two hour wait at the DMV seems like 10 minutes. Play your favorite slots live blackjack, live preps with a live dealer. New players $30 coin packs are on sale for 10 bucks. Play spinquest.com and you'll never be bored again.

[Veteran Support Host]

Spinquest is a free to play social casino void where prohibited. Visit spinquest.com for more details.

[Caller/Listener]

Hey campers, it's Jan from Toyota. This summer we're headed to Camp Toyota and the fun starts now. We're kicking things off by kicking up mud. Jump in campers. We're going off roading in a 4Runner. Next we're heading to the hot springs in Arav 4. And finally, park your Tundras and Tacomas around the campfire because we're roasting marshmallows. We're done with dart here.

[Radio Host/Interviewer]

Dealer inventory may vary, so your participating

[Radio Host]

Toyota dealer for details event hands to you first. Toyota. Let's go Places.