$369,000 Of LGBTQIA+ Debt | Financial Audit

January 21, 2026

AI Summary

5 min read

$369,000 Of LGBTQIA+ Debt | Financial Audit

The Couple

Shaggy (30) and Bastion (29) have been together for 11 years and live in Colorado Springs. Shaggy cleans homes and businesses, earning roughly $4,000–$4,600 per month net. Bastion works as a lead auditor for a gas station company and also drives for mileage reimbursement, bringing in about $6,200 per month net. Combined, they earn around $9,850 per month after taxes—above the median household income for their area. They own a house with a 2.75% mortgage rate and have a combined $129,884 in non-mortgage debt.

The Communication Breakdown

The core problem is not the debt itself but a complete failure of financial communication. Bastion has been trying for two years to get Shaggy to tell him how much he actually earns from his cleaning business. Shaggy gives rough estimates that shift constantly—anywhere from $1,000 to $1,600 per week—and refuses to track his income precisely. When asked why, he says he "manages on a day-to-day basis" and doesn't see the point of more structure.

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What you'll learn

1 (01:16) **Introducing Shaggy and Bastion** - A gay couple from Colorado Springs joins the show; Caleb immediately dives into their dynamic.
2 (03:02) **The Income Mystery** - Shaggy cannot or will not state his monthly income, a core problem in the relationship.
3 (09:38) **The $13,000 Month** - The couple spent $13,444 in one month against $10,000 in income, revealing a massive spending problem.
4 (18:30) **Marriage, Communication, and the "Loser" Dynamic** - Shaggy doesn't want to marry Bastion; Caleb dissects their toxic financial conversations.
5 (35:05) **The Timeshare Trap** - The couple was sold a Grand Vacations timeshare at Pride, a $14,841 debt at 15.9% interest.
6 (46:59) **Bastion's Credit Card Spiral** - Bastion holds most of the credit card debt, including a Best Buy card and a Chase card.
7 (62:09) **The $500 Personal Trainer** - Bastion is paying $500/month for a personal trainer on a Credit One card with high fees.

+ Full timestamped outline available in the app

Show Notes

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