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Chapter 1: What is discussed at the start of this section?
To watch episodes of Financial Audit a week earlier, check us out on YouTube. I know that your families do not support this relationship.
My family thinks that he's too verbally abusive and controlling. How the f*** is he doing? Whenever I was like, it's too much, like you need to chill out and everything, and he just kept going. She'd tell me to stop and I would stop. No, you did not. There were three times that you did not. Doing what? Just sexual stuff. Oh, but you said stop and you didn't.
There was one time that you did hit me that wasn't fun.
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Hi, I'm Todd. I'm 29 years old. I'm Sophia and I'm 25 years old and we live in Austin, Texas. And this is Financial Audit.
Hey, thanks for coming on, guys. All right, Todd, what do you do here in Austin for a living?
I'm a lead associate for a manufacturing company. Lead associate? Yeah, absolutely.
Lead associate, that does not make sense. Associate is usually you're on the lower, but okay, what do you make?
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Chapter 2: How does Todd's job impact their relationship?
It was horrible. I hated it.
Unfortunately, it's the first step in what my degree actually is.
Which is?
IT? Yeah. Information systems with a minor in business administration.
Okay. Yeah. I mean, that's where you got to start. So you got to grind it out, but you got fired. Why'd you get fired?
What they told me was because I was late and I had too many doctor's appointments and that I wasn't. Well, do you? Yes. No. Okay. Almost every week. No. No, you don't. Well, since the start of the year, yes. I put her on my insurance at the start of the year.
Those premiums must be crazy.
It did jump significantly. I think before her, I was paying six, seven bucks a month. And then when I added her at the start of the year, it jumped up to 45. Okay, but be for real, you did not pay attention to like the different insurance options you had and you were paying out of your ass for like the stupidest lowest insurance where you had to pay the most up front.
Like when you go, you had to pay the most there instead of paying more insurance.
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Chapter 3: What are the financial dynamics in their relationship?
Dude, literally. A lot of people do actually. No, actually nobody does now because unfortunately in college, the statistics we're getting around it in terms of average GPAs are all beyond inflated now because they're just. Yes, across the board because we're babying everyone. That just happened over the past 10 years. It's crazy.
There was only like three people that got at least cum laude at my school. Okay, TLU, Texas Lutheran University, which is pretty shit. But still, I worked my ass off for that. I tried actually really hard and got it.
Okay. Well, I still don't care about how you did in college. That's not the point. I'm talking about people grind when they get out of school in their first job. I don't care if you grinded in college.
I did grind. Like really, I'm not going to go there. That was kind of bad. Anyway. It doesn't matter. So I did, and the guy, I had to share an office with one specific dude who was just awful at times.
So everyone's bad but you. Okay, got it.
Oh, no, no, no. There's things. Granted, I did rely on him a lot because I was like, hey, I don't know how to do this. I don't have confidence in making sure I know.
How long have you been fired? When were you fired?
March.
Two months ago. Yeah. Okay, okay. So you should be ending up with a job here pretty soon.
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Chapter 4: How do personal issues affect their future plans?
One, she doesn't have a job to pay off her debt. Two, and she won't. She has to work for a government remote. I don't want to get up.
Two...
I mean, she makes her own ranch dressing and that shit is like literally heart attack. Rans dressing in general, like that's, buddy. Drowning in student loans with massive interest rates? I see it on the show all the time. People get a loan to advance their careers only to be left with sky-high interest rates and crazy minimums that leave their paycheck gutted.
Maybe you've already gone to a normal lender to try to refinance your private student loans, and they looked at your less-than-perfect credit score and hung up the phone. Maybe part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. you don't deserve to be buried in a high interest loan for the rest of your life because you hit a rough patch.
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And they legally cannot charge you more than that. They'll even customize your payments to get you out of debt at a pace that works for you. And if you need a co-borrower release from your loan, they've got a program for that too. Plus their team is in Phoenix, Arizona. So when you call them, you talk to a real person.
It only takes three minutes to check your rates and it doesn't impact your credit score. If you've been told no a million times, try YRefi. Head to YRefi.com slash hammer. That is Y-R-E-F-I.com slash hammer. Or call 888-YRefi-78. That is 888-YRefi-78. Break free from the high interest trap and get your finances under control once and for all. So let me ask you something.
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Chapter 5: What are the signs of financial abuse in relationships?
It should- Wait, always? No matter what? It's better now, but he used to be that way. It used to be video games and dogs and that's it.
Well, I understand that one. You're not pleasant.
I mean, he says he likes my personality, so clearly there's something.
But you're financially abusive and manipulative and just not a good partner. So that part's fair, but I don't think you should determine how you treat her for the day. Did someone just use hand sanitizer? Mark, why? What are you doing back there? We're 50 minutes in. Fifty minutes into filming a podcast, what have you been touching over the past 50 minutes that require?
You're sitting there watching the audio, Marcus. What are you? Come over here, Mark. What the f*** are you doing? Ladies and gentlemen, you know him, you love him. I didn't think I'd be on for this. It's been 50 minutes. What have you touched in the last 40 that require hand sanitizer at 50 minutes?
Well, I got kind of bored, so I was like touching my face, but I had a quesadilla for lunch, so I was like, oh no, all that grease from the quesadillas getting on my hands. Now you can probably smell it.
Yeah, yeah, yeah. Okay, thank you, Mark. That was a very strong hand sanitizer. Okay, you're fat. What's our financial score zero to 10 for the household?
Oh, for the household?
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Chapter 6: How does the couple's dynamic affect their financial decisions?
Ooh, I bring it down, he brings it up.
Six minimum.
Five, maybe four and a half.
Class four.
Wow.
I'm so sorry. No, I'm not, because you're a bad person, but like, okay. And you're pathetic as well. Oh, okay. I got permission. I'll take it. If you want your Hammer Financial score, get it for free. CalebHammer.com, you know where to go. It is free, just takes a few minutes. You can see where you're standing in the world of finances, where you're doing poorly, where you're doing great.
Take that assessment they did, you can too. And if you don't want to, what the f*** are you talking about?
No, he just looked at me.
If you don't want to be like a guest who ends up on the show, make sure you use the Dallowise budgeting app. Take it.
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Chapter 7: What role does weight and health play in their relationship?
Sign up for the annual version if you like it after the trial. Most people do because you save almost 50% and then you get my 30-day budget meal plan signed by me, mailed directly to you. It's awesome. And the digital version of the cookbook, by the way. Check that out. Here you go. No chance in the world you're f***ing this. But okay. No, but I'll take it. Okay.
So I just unfortunately don't remember. Oh, yeah. No, no, no. I do remember. Okay, yeah. No, I still want an answer. I don't think you should be treating. So like I'm treating her like shit right now. But that's the show. And it's fair. And she's a piece of shit. And so are you, kind of, in a different way. But I don't know. It's just like you ask for a number once a day and then you...
How you treat her depends on the numbers.
Chapter 8: How can budgeting impact their financial future?
That's a bit horrible.
It's not like a schedule. I don't wake up and say, all right, it's 6 a.m., give me your weight. That's a little overboard. It's just an occasional checkup, and I wouldn't say it's daily. Maybe once a week.
And then what makes you so angry and so bad?
Just no progress, I'd say, or minimal progress, considering we're six years in and she knows the limits.
Then why'd you get with that?
I think we've already established, because I'm a pussy, so I'm working through things. True, were you desperate?
At the time?
No, I wouldn't say I'm desperate. No, I'm not desperate.
Are you? No.
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