Possible ways Tori Spelling spent her entire inheritance

Audiences have watched Tori Spelling and Dean McDermott's rocky relationship play out on the small screen, but it looks like the mother of five's marriage isn't the only thing that's in crisis. Her finances have apparently gone down the tubes as well, and it's starting to finally sink in for her.

An insider dished to Entertainment Tonight: "Tori was so caught up in the day-to-day life of caring for five children, she didn't take care of herself. Tori has a long road ahead, but she is finally realizing she needs to focus on her health and clean up her financial and marital problems. She loves having kids, but they have become her main focus and the stress of that with her marriage, and endless debt, left her no time for herself."

While this shouldn't be a problem for the daughter of the late Aaron Spelling and an actress who's also starred in countless movies, TV shows, and reality series — rumor has it that the Hollywood darling has blown through her entire fortune — and her spending habits are supposedly the reason why.

Let's take a closer look at some ways that Tori could have spent her entire inheritance.

She has a shopping problem

Tori's Spelling's father was worth $600 million at the time of his death in 2006. Despite the fortune he'd amassed, he left only $800,000 to Tori. Her mother, Candy Spelling, told The New York Times that was because she and Aaron didn't trust Tori not to squander his hard-earned cash.

"She would close a store and drop $50,000 to $60,000," Candy said. "I never did anything like that. She just went crazy."

In her 2013 memoir, Spelling It Like It Is, Tori admitted, "It's no mystery why I have money problems. I grew up rich beyond anyone's wildest dreams. I never knew anything else. Even when I try to embrace a simpler lifestyle, I can't seem to let go of my expensive tastes. Even when my tastes aren't fancy, they're still costly."

Tori told People in 2016, "Growing up in my family we didn't talk about money a lot. I don't blame anyone, but that probably set me up for not knowing too much about how to handle money a little bit … I haven't bought a purse in three years and it's fine. I look back at the girl who shopped at Gucci in my twenties and I can't even relate. I can't believe I thought that was important."

Candy has reportedly been subsidizing Tori's habits for the sake of the kids, telling TMZ, "I've been paying all her bills now … just for the house, and the kids' schools, and their food."

She won't quit breeding

At the time of this writing, Tori and McDermott are parents to five kids ages 10 and uder: Liam, Stella, Hattie, Finn, and Beau — and Spelling told People in April 2017 that she was considering adding a sixth child to the mix.

That may be a bad idea, because, well, children aren't cheap. Tori told People in October 2013 that she and McDermott couldn't even afford to get him a vasectomy, which costs, per Planned Parenthood, between $350 to $1,000. "We're in the entertainment business, and things change year to year," she said. "We don't have a series on the air right now, so we have to be more restrictive of what we can spend, just like anyone who doesn't currently have a steady job."

Interestingly, in 2014, after McDermott was busted cheating on Spelling (more on that later,) she reportedly demanded he get a vasectomy regardless of the cost. She said on their reality show, True Tori (via the Daily Mail), "We had talked about him having a vasectomy. Oddly enough we had talked about it last year right before he cheated on me. Isn't that weird? And then right after that, he went out and cheated on me … because of what I went through, I know that I don't want any more babies with him."

Here's hoping they spent at least some of her inheritance on that $1,000 snip, because the return on investment may be worth it for the troubled couple in the long run.

She's a party animal

Spelling's outlandish spending isn't limited to her own wardrobe. She also likes spoiling her kids and their pals for her children's birthday parties, even if it means breaking the bank. (To be fair, the themed affairs, from unicorns to arcades to rodeos, do look pretty great.)

When it comes to her children, Spelling spares no expense despite her financial issues. In 2014, Radar Online reported that the star spent around $6,000 on her daughter Stella's sixth birthday party. The swanky affair was held at the Le Chic Spa in Tarzana, Calif., and the actress supposedly spent around $90 per guest to give the little invitees the full spa experience, complete with services ranging from makeovers, manicures, pedicures, and organic facials. Guests pranced around in robes and light-up slippers and snacked on sushi and cupcakes. The female guests also left with backpacks that were full of party favor treats, including Disney DVDs, dolls, lip gloss, and more.

Though Grandma Candy may be footing the bill for a lot of the family's living expenses, she may not have set the best example for her daughter when she threw Tori a $40,000 baby shower for her fifth child in 2017, reported the Daily Mail.

It doesn't seem like Tori plans on slowing down her soiree spending. In March 2018, People reported the financially-strapped starlet plans on pursuing a big bash for son Beau's first birthday — even though he's too young to remember it.

Her wretched real estate choices

Tori Spelling and McDermott have moved eight times within the last six years. She claims that their financial troubles began in 2011 when they sold their Encino, Calif. home for $2.5 million — a $400,000 loss on its $2.9 million purchasing price, reported the Los Angeles Times.

They purchased a smaller home in Malibu before putting that on the market just five months later, once more selling at a loss, according to the Daily Mail. They then moved to a $16,500 per month rental in Lake Sherwood, Calif., which she admitted later was far beyond their means, and soon downgraded to a "tacky" rental in Tarzana, Calif. for $7,000 a month. They reportedly left that place without telling their landlord, owing $7,000 in back rent.

In 2014, they rented a six-bedroom home in Encino, Calif. for $10,500, which they left for unknown reasons to move into a five-bedroom home in Calabasas, Calif., despite it being a much longer commute to and from their kids' school. They ditched that property for a five-bedroom, four-bathroom home in Encino. 

The Daily Mail reported that the family currently resides in a $2 million mansion in a gated community in Woodland Hills, Calif., which Spelling and McDermott are renting for $9,500 a month. In Spelling It Like It Is, she addressed her home hopping: "I moved houses to simplify my life, but lost almost a million dollars along the way." 

Sure, but there's nothing simple about moving this many times and living beyond one's means.

Her retail store failed

Unfortunately, acting work is hard for Tori Spelling to come by and reality TV hasn't always been kind to her bank account. At the time of this writing, her last acting job was the remake of the campy Lifetime classic Mother, May I Sleep With Danger (2016), and she has no scripted or unscripted work lined up for 2018. McDermott hasn't appeared on a screen since 2017 and has no upcoming projects listed at this time. As a result, Spelling has pursued other ventures in hopes of recouping her fortune. 

She opened a specialty boutique named InvenTORI in California which sold antiques, furniture, gifts, and other items. She gushed about that business to People in 2011. "I have a true love of antiques and beautiful pieces for the home. I realized I no longer had enough space to keep up with all of my finds so that's how I came up with the store concept of InvenTORI," she said. "I now can share my collection with others." Unfortunately, Spelling's pet project didn't seem to bring in the big bucks. According to Radar Online, the store officially closed its door on Valentine's Day of 2014.

Their vehicles and vacations

A lot of Spelling and McDermott's funds have gone into their gas tanks and getaways, and it's not like they're driving Toyotas and taking day trips.

Radar Online reported that the couple's automobiles have set them back pretty pennies: Spelling frequently drives a Range Rover, which can cost upwards of $82,000. One of her backup rides is a Cadillac Escalade, which starts in the $75,000 range. McDermott was spotted riding a Ducati motorcycle; depending on the model, those range in price from $10,000 to $65,000.

When they're not getting around, they're going away. According to Radar Online, the family rented a $20,000 beach house in Malibu in May 2014. The site also noted that she frequently takes ski vacations with her family and once admitted that they blew a ton of money on trips, confessing that they were often "upgrading hotels at [her] instigation."

More like 'Dean McDeadbeat'

In February 2017, Radar Online reported that McDermott owed more than $100,000 in back child support to ex-wife Mary Jo Eustace. He faced jail time for contempt charges, but those charges were dismissed after he turned over $2,500.

In September 2017, McDermott was accused of missing multiple monthly $1,500 payments to Eustace, according to Page Six. In November 2017, Page Six reported that McDermott was accused of deliberately dodging a child support court appearance. The payments that were made were usually from Spelling.

"My son had gone to university, and Dean was supposed to pay his rent, and he wasn't," Eustace told Us Weekly in March 2018. "Then my son's rent checks were bouncing." According to Eustace, "Tori reached out to me and basically said that she would be covering the alimony because Dean didn't have any money … She did a couple of payments for it because she said she had gotten a job, so she could cover that. About three weeks ago … it was due again, and it didn't come through. Usually I just text her and she's like, 'I got it covered, no problem,' and all amicable. And then I didn't hear from her … I reached out to Dean and he didn't respond to me, and I reached out to both of them, and I didn't hear anything. [The next week] she reached out to me and she said, 'You're not gonna believe this, but I just saw this.'"

Her cosmetic work was pricey

Talk about a pretty penny. While beauty may only be skin deep, in Hollywood, beauty is a bankable asset, and the Mystery Girls actress has been known to invest in her looks. 

Tori Spelling has reportedly admitted to having a nose job and breast implants (which she later told Entertainment Tonight she'd had removed because they were recalled).

In 2014, a source told OK! Magazine that Spelling regretted some of the plastic surgeries she'd had done on her face. "Everything is sagging because she doesn't have the money to maintain some of the major work she's had done," the insider said. "She's starting to deeply regret ever going under the knife."

In August 2015, Spelling was photographed leaving the Calabasas Medical spa with her face sporting some very red and blotchy skin. According to a dermatologist interviewed by Us Weekly, the cause of her appearance could have been because the star was getting a CO2 laser treatment. Those treatments can get very expensive, costing several thousand dollars a pop. The treatment supposedly removes layers of skin and is used to reduce signs of aging, such as wrinkles, spots, and scars.

Rehab and therapy aren't cheap

In December 2013, McDermott was accused of cheating on Spelling with Emily Goodhand, reported Radar Online. In January 2014, McDermott announced that he'd checked himself into rehab for sex addiction and substance abuse issues.

"I am truly sorry for the mistakes I have made and for the pain I've caused my family," he told People in a statement. "I take full responsibility for my actions and have voluntarily checked myself into a treatment center to address some health and personal issues. I am grateful to be getting the help I need so I can become the husband and father my family deserves."

McDermott's 30-day stint in rehab is rumored to have cost between $60,000 and $70,000, and Spelling is the one that apparently footed the bill.

He wasn't alone in seeking help for his issues. The couple chronicled their counseling together on True Tori. In March 2018, police were called to the couple's home because Spelling was allegedly suffering a meltdown, and one week later, McDermott sicced the cops on her for unknown reasons when she left their home with one of their sons.

The IRS and creditors took them to the cleaners

In April 2017, Page Six reported that the Internal Revenue Service drained Spelling and McDermott's bank accounts to recoup back taxes the couple owed going back years. 

In July 2016, People reported that Spelling and McDermott owed more than $259,000 in unpaid state taxes from 2014. Later that month, it was revealed that the couple also owed more than $700,000 in federal taxes. But the feds weren't the only creditors who came after the couple.

In August 2016, E! News reported that Spelling was ordered to pay a nearly $38,000 debt to American Express in a default judgment. The couple also faced a lawsuit from CitiBank in December 2016 for allegedly defaulting on a $400,000 loan from 2012: Spelling and McDermott owed close to $189,000, including interest and late fees. What's more, Spelling was also ordered to repay $17,000 that she overdrew from her checking account in September 2016.

Lawyers are expensive

Spelling and McDermott's attorneys probably make bank off of this pair as well.

In September 2015, Spelling sued the Benihana restaurant chain after she tripped and fell onto a hot hibachi grill in one of their locations in April 2015, reported People. Spelling alleged she needed skin grafts on her arm after suffering a small but severe burn. In court documents, the actress claimed she also suffered the loss of wages and potential earning capacity. She settled the lawsuit in September 2017, and while it's unclear how big of a payout the True Tori star received, it's safe to assume her lawyer got a large chunk of it.

In March 2018, days after police were called to Spelling and McDermott's home because of her alleged mental state, McDermott was spotted at an attorney's office in Los Angeles, reported People. While he was there, Spelling reportedly took their children to her mother's mansion. It's unclear if they could be headed for a split, but if they are, expect that to get pretty pricey.