A Mississippi mailman has ignited controversy following a startling confession on a YouTube financial program. He admitted to depleting his 4-year-old son’s savings account of $10,000 to finance several luxurious vacations, expressing no remorse for his actions.

Christian, aged 28, made this revelation during an episode of the show “Financial Audit.” He disclosed that he emptied the account, which was primarily funded by family contributions, to indulge in five extravagant trips. These included visits to destinations such as New York City, Disney World, the Bahamas, Houston, and Atlanta.

Describing his son’s savings as “like a 0% loan,” Christian justified his actions by saying, “I valued building memories with him and taking him on experiences — it was worth it,” he explained to podcast host Caleb Hammer.

“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 podcast host Caleb Hammer.

When pressed on whether he understood he had stolen from his child, Christian brushed off the criticism.

“I figured he’s 3, 4 now — he won’t know,” he said.

Hammer, visibly stunned, called the move “disgusting” and “selfish,” noting that the cash could have grown into more than $40,000 by the time the boy turned 18 if it had been left invested.

Christian admitted he made the withdrawals without telling his wife, 27, who recently rejoined the US Army to help dig the family out of roughly $90,000 in debt.

“She doesn’t approve,” he said. “I didn’t ask for her permission before I did it.”

Hammer asked Christian if he believes his wife is involved with someone else — raising the possibility twice during their discussion.

“She’s not seeing someone else?” he asked.

Christian replied: “Oh yeah, I hope not. She might be. That is a common thing.”

Hammer revisited the subject later while questioning the stability of the marriage.

After Christian admitted that his wife yells at him frequently and blames him for putting them in a financial hole, the host inquired whether she’s staying “just because of the kids.”

Hammer again asked: “She’s not f–king someone else?”

“I wouldn’t be surprised,” Christian claimed, before adding that he would be upset if she cheated, but also said: “She would never do that.”

When asked if he thought she was staying with him only because of their child, Christian replied: “Potentially. She said she’s running out of energy.”

He recalled that his wife once told him that, “When I quit yelling at you is when you should worry.”

The Gulf Coast postal worker earns about $27 an hour but said his chronic overspending — especially on fast food and travel — has left the family in financial ruin.

He told Hammer that he routinely drops hundreds of dollars a month eating out, often hitting McDonald’s or Chick-fil-A after his mail route.

“It’s my stress thing,” he said. “Instead of a cigarette, I get a McDouble.”

The couple bought a home in Biloxi in 2021, but have not merged their finances. Christian said his wife “doesn’t trust” him with money after years of reckless spending.

“She says I spend too much,” he admitted. “She doesn’t want to join accounts.”

Hammer accused the young father of “destroying” his family through selfish choices, pointing to his history of borrowing from retirement funds and taking out personal loans to cover credit card balances — only to rack them up again.

“You stole $10,000 that you didn’t even contribute to your kid’s account,” Hammer charged. “You’re destroying the whole thing.”

Christian also revealed that he recently borrowed against his federal retirement savings to pay down other debts, took out multiple personal loans, and maintains balances on several credit cards — one of which carries an interest rate of 25%.

His wife, by contrast, has no personal debt.

“She’s trying to protect herself,” Hammer said. “She’s doing everything right while you’re setting fire to your family’s future.”

Christian insisted he hopes to “do better” and claimed he wants to rebuild his son’s savings one day, though he offered no plan to do so.

“I tend to do better with a deadline,” he said.

“You are a thief in the night,” an unconvinced Hammer bluntly told him.

The episode ended with Hammer setting up a post-show call with Christian’s wife, telling viewers that combining their finances and forcing him to change his spending habits were the only ways to repair the family’s crumbling finances.

“Right now you need $4,595 just to survive,” Hammer said. “You can’t do it alone.”

Christian appeared resigned as Hammer concluded the segment by labeling his financial score a “two out of 10.”

“I want to do better,” Christian insisted.

“Then stop stealing from your kid,” Hammer implored.

Several viewers said the wife appears to be planning an exit.

“She’s getting stationed, getting her own income, keeping finances separate. She’s preparing an exit plan,” one YouTube viewer mused.

Others blasted the father’s own words. One of them pointed to the contradiction: “’He’s three, he won’t know’ while simultaneously saying ‘we’re making memories’ so which is it?”

Another called out another line from the interview: “‘he’s like a 0% loan” when talking about a child is actually diabolical like what is wrong with you ….”

Some shared personal fallout from similar choices.

“My dad used 40k from my college fund (set up by my grandpa) 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,” wrote another YouTube user.

One said the video was a wake-up call.

“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. Thank you.”