Keli denies being Zach's benefactor. "I'm not a sugar mama, even though Megan thinks I am," she says. "The first thing that attracted me to Zach was his looks. Sex is better with younger guys because they seem to last longer, and they aim to please."
"I don't approve of them together because he isn't contributing anything. Zach does not work. Keli has taken Zach to three Nascar trips, which cost $1,000 a pop," Megan reveals. "I believe Keli stays with Zach because the sex is good. Kelly is his trophy because she's blonde and beautiful."
With a smile, Zach shares, "I'm an all-star in the bedroom. Keli and I have sex 10 times a week. It's so good, it makes you want to go to church and praise the Lord!"
Currently, Keli doesn't have a job and pays most of her bills with credit cards. "On one of [my cards], I now have $16,000. On another one, $6,500. On another one is $5,000," she reveals. The relationship with her young beau is taking a familial turn. "I have a daughter, her name is Devon, and she's 6 years old. Sometimes, I parent Zach, but it's not in the same way as Devon."
As a reformed sugar mama, Megan fears that her friend is headed for heartbreak. "If someone came along with more money, I believe Zach would be gone," Megan says.
"You don't think you are a sugar mama? You don't think you're being exploited? You don't think this is just wrong?" Dr. Phil asks Keli.
"No. Not at all," she replies.
Dr. Phil shoots her an incredulous stare. "Come on. Get serious," he says.
"You took him to raise!" Dr. Phil counters. "You now have two children; you're just sleeping with one of them."
Pointing out that there is a 14-year age difference between Keli and Zach, Dr. Phil says, "And this is all going on with your 6-year-old daughter there."
"Yes," Keli says.
"Does that raise any issues about what you're exposing her to?"
"It does. She's too young right now to really understand anything, but he's not really being a father to her."
Dr. Phil frowns in disbelief. "Don't kid yourself. At 6 years old, she's probably the smartest person in the room," he says.
"I like Zach, but he's a kid. I don't believe they're on the same wavelength. He's not bringing anything to the table. I just feel that she deserves better in her life," she answers.
Megan responds, "Well, I had a grandmom pass away, and another grandmom pass away about a month after that. And I had foot surgery. I called the guy that I was seeing, and he cussed me out, didn't care how I was feeling or doing."
"My opinion is that you do have very, very low self-esteem," Dr. Phil says. "You are getting used and abused, and you are selling out your dignity so you can have a 20-year-old kid pay attention to you. You understand that when the money stops, he'll drop you like a bad habit."
Keli protests, "I don't think he will, because the money has slowed down."
"And you're unemployed right now. So you're going into debt to live," Dr. Phil notes.
"I understand," Keli says. "But he has to get a job."
Dr. Phil doesn't mince words with Keli. "You need to end this," he says. "If you want to have a relationship with him, let him go out, get a job, get an apartment, stand on his own feet, and see if he asks you for a date. And if he does, then consider it. Why don't you put that to the test?"
"He has to get a job," Keli repeats.