Deadbeat dad admits to stealing $10K from 4-year-old’s savings to fund luxury trips: ‘He won’t know’
Christian, 28, confessed to stealing from his child’s account during an episode of “Financial Audit.” Youtube Caleb Hammer
A Mississippi father is facing backlash after confessing on a YouTube financial podcast that he took $10,000 from his 4-year-old son’s savings account to fund multiple family vacations — and shows little remorse.
Christian, 28, admitted on the show Financial Audit that he emptied the account, which was largely funded by relatives, to pay for five extravagant trips, including visits to New York, Disney World, the Bahamas, Houston, and Atlanta. “He’s like a 0% loan,” Christian said of his son’s savings.
“I figured I valued building memories with him and taking him on experiences — it was worth it,” he told host Caleb Hammer. When asked whether he realized he had stolen from his own child, Christian brushed off the criticism. “He’s 3, 4 now — he won’t know,” he said.
Hammer, visibly shocked, called the move “disgusting” and “selfish,” pointing out that the money could have grown to more than $40,000 by the time the boy turns 18 if it had been left invested.
Christian admitted he made the withdrawals without his wife’s knowledge. His 27-year-old spouse recently rejoined the U.S. Army to help the family manage roughly $90,000 in debt. “She doesn’t approve,” he said. “I didn’t ask for her permission before I did it.”
The podcast also touched on personal tensions in the marriage. Hammer asked if Christian suspected his wife might be involved with someone else, a question Christian entertained, saying, “She might be. That is a common thing,” but later insisted he would be upset if she cheated. He also admitted that his wife sometimes yells at him over finances and implied she might be staying in the marriage “just because of the kids.”
Christian, a Gulf Coast postal worker earning roughly $27 an hour, cited chronic overspending — particularly on travel and fast food — as a major contributor to the family’s financial strain. “It’s my stress thing,” he said. “Instead of a cigarette, I get a McDouble.”
The couple purchased a home in Biloxi in 2021 but have not combined finances, with Christian acknowledging that his wife “doesn’t trust” him with money. Hammer criticized him for a long history of financial mismanagement, including borrowing from retirement funds and taking out personal loans to pay off credit card debt.
“You stole $10,000 that you didn’t even contribute to your kid’s account,” Hammer said. “You’re destroying the whole thing.” Christian admitted to borrowing against federal retirement savings, carrying high-interest credit card debt, and taking out multiple personal loans — while his wife has no personal debt.
Though Christian claimed he hopes to “do better” and rebuild his son’s savings someday, he offered no concrete plan. Hammer concluded that the family’s only chance of financial recovery is combining finances and reforming Christian’s spending habits. “Right now you need $4,595 just to survive,” Hammer said. “You can’t do it alone.”
The episode prompted strong reactions online. Many viewers noted that the wife appears to be preparing an exit, while others condemned Christian’s justification for taking the money: “’He’s three, he won’t know’ while simultaneously saying ‘we’re making memories’ — so which is it?”
Some shared personal stories of similar betrayals. One wrote, “My dad used 40k from my college fund to buy a sports car when I was a kid. I have no respect for parents like this. I don’t talk to my dad anymore.”
Others called it a cautionary tale: “This man is scary. He has the same job as me, makes the same amount of money and has the same vice. The only difference is that I don’t have a wife and child. This video feels like a massive wake-up call.”
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