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My sister in law and her husband built a tiny home that they claimed they'd expand. Then they had a kid, never expanded and then barely broke even selling it. (Only because the value of the land went up) thr way the built their home it wasnt legally a house. It was basically a large shed they turned into a house so it was a bonus to the property. They also lived in Kerville so apparently this is a Kerville thing 😂
Not joining anything until married and she has her name on that deed because it will not be considered marital asset. Even if she pays for the building part or even toward the land loan, it will still not necessarily be considered marital asset. Love and trust are wonderful parts of the relationship, but it has to go both ways and apply to everything.
Do these people not realize that the IRS can literally take your house? Even when the house is worth more than your bill. (And they won't pay you back the difference.) This isn't just a possibility. It's happened to people.
So the reality is she doesn’t like the way she looks in glasses so she told herself she can’t afford glasses and lasik debt was worth the trouble. BIG BRAIN.
The glasses excuse is crazy… She acts like astigmatism is some super rare condition. The lenses are not that much more expensive. So much justification!!!
Caleb you gotta stop telling women to pour their whole paycheque into a joint account with their partner. You are leaving them with no escape route from financial, emotional, and financial abuse. Every woman should know that you need to have your own money, separate, just in case
How are you an adult and "bad about taking out your contacts"!? I have been wearing contacts since I was 13 years old and that has never been a problem. It's just part of like brushing your teeth before bed.
1:08:19 alright, I have to throw some jeep love in here haha my 2014 jeep compass, 115k miles, has never given me trouble – bought it in 2016, it’s been paid off for years now, and plan on running her for a year or two more at the least. But all of that to say, I’ve never had a major repair. I maintenance it every so often, replace things as they age, but nothing major. 🤷♀️
My partner doesn't like coffee. Instead we order tubs of energy powder, which gives a lot of servings for much cheaper (and only need a cup and water!). Also, couldn't you buy a case of Dr Pepper from like the store????
To be fair to this couple, they actually seem ok as a couple, far better than most we see on the show. They don't throw each other under, they look to each other for reactions, etc. They just agree on…..bad financial choices. They could be in the "honeymoon" phase still, because this could get way worse later, especially if a newborn enters the equation. Finance is stressful, even out of debt, even if you have savings to deal with a situation!
48 comments
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My sister in law and her husband built a tiny home that they claimed they'd expand. Then they had a kid, never expanded and then barely broke even selling it. (Only because the value of the land went up) thr way the built their home it wasnt legally a house. It was basically a large shed they turned into a house so it was a bonus to the property. They also lived in Kerville so apparently this is a Kerville thing 😂
Change my mind: Paying for the post-show is a stupid financial decision.
Credit card companies watch Caleb Hammer for victims.
Credit card companies watch Caleb Hammer for victims.
With all peace and love… ain’t neither of them in their 20s
He's using her to build his house.
Not joining anything until married and she has her name on that deed because it will not be considered marital asset. Even if she pays for the building part or even toward the land loan, it will still not necessarily be considered marital asset. Love and trust are wonderful parts of the relationship, but it has to go both ways and apply to everything.
Took me forever to get where I am. I either won’t get married or won’t combine my finances unless he’s better off than I am. It’s too risky. Nope.
“It’s a small house, 20×30, 1000 square feet.” Math is clearly not their strong suit.
She should NOT be allowed to be a CPA in this financial state 😂
Do these people not realize that the IRS can literally take your house? Even when the house is worth more than your bill. (And they won't pay you back the difference.)
This isn't just a possibility. It's happened to people.
aint no way she's 27…
So the reality is she doesn’t like the way she looks in glasses so she told herself she can’t afford glasses and lasik debt was worth the trouble. BIG BRAIN.
How the fuck is this guy spending thousands on dr pepper? I need to fucking know. I need to know how he spends thousands in general. Fucking how?
I came for the financial advice and stayed for Caleb’s squeals. ❤
Wait how old did they say they were!?!? They are aging like spoiled milk
I paid $765 for 3 pairs of glasses with the better lenses. :}
100% the guy didnt understand shit that was said…and i feel like hes using his gf to help build his home and will leave her when its all done
which video is this? cause it’s not the one that’s linked
47:30
BLACK OPS MENTIONED RAHHHHHHHHHHH
Where’s the cheap notebook with the signature in it? Really going all out…no pen though….communist
The glasses excuse is crazy… She acts like astigmatism is some super rare condition. The lenses are not that much more expensive. So much justification!!!
You have utilities…. So just buy a manufactured home, then add on as needed. Easier and cheaper …
So theyve been together for a year… and theyre building a house.
Yeah this dude owns the land… and hes gonna use her money to build a house with no equity for her in writing?
AND THEY OWE MONEY TO THE IRS WHILE BUILDING A HOUSE
Whats the bet that this guy is with his accountant in order to get out of havinf to pay the IRS every year lmao
Nice shirt Caleb!
Caleb you gotta stop telling women to pour their whole paycheque into a joint account with their partner. You are leaving them with no escape route from financial, emotional, and financial abuse. Every woman should know that you need to have your own money, separate, just in case
How are you an adult and "bad about taking out your contacts"!? I have been wearing contacts since I was 13 years old and that has never been a problem. It's just part of like brushing your teeth before bed.
1:08:19 alright, I have to throw some jeep love in here haha my 2014 jeep compass, 115k miles, has never given me trouble – bought it in 2016, it’s been paid off for years now, and plan on running her for a year or two more at the least. But all of that to say, I’ve never had a major repair. I maintenance it every so often, replace things as they age, but nothing major. 🤷♀️
I really struggle with this 10:24 part of the convo – why do couples have to share finances?
My partner doesn't like coffee. Instead we order tubs of energy powder, which gives a lot of servings for much cheaper (and only need a cup and water!). Also, couldn't you buy a case of Dr Pepper from like the store????
To be fair to this couple, they actually seem ok as a couple, far better than most we see on the show. They don't throw each other under, they look to each other for reactions, etc. They just agree on…..bad financial choices. They could be in the "honeymoon" phase still, because this could get way worse later, especially if a newborn enters the equation. Finance is stressful, even out of debt, even if you have savings to deal with a situation!
I think they definitely lied about their age … 👀
The mustache definitely gives it away
Girl… I have an astigmatism in both eyes… got a pair glasses off Zenni for $80…
Dude, I'm 35 and look WAY younger than all the 20 somethings that come on this show. Debt really does age you.
Shoutout to fellow hillbilly’s! I grew up in Bandera and Beorne. But I’m not as bad with money😂
This dude is a major loser. You can tell he sees marriage as a benchmark in life and social symbol — not an actual partnership.
Caleb please roll out your app to the UK 🥺
0 ownership, just excuses…Especially from her…
These people are never going to change…they think they’re in the smartest in the room. Stay in f*cking debt…
Yall did Caleb dirty. Why you zoom into him scratching his belly like that? 😄
I refuse to believe they aren't 30+
Congrats for the most ridiculous moustache so far in 2025!! LameAF
Congrats for the most ridiculous moustache so far in 2025!! LameAF
I highly doubt that chunky dude is running into anything. Must be a department with low standards 😂
Dang that’s some rough years for both of them! They look old asf
1:09:00 1/3 of your income ? For a car ? No xD its a rule for rent you idiots xD.
Top 5 Financial Audit Moments in history: 36:40