I hear how close she is to breaking down and crying at every breath she takes. You are so brave for coming on the show. Please seek some much needed therapy and I wish the best for you!!
@@Ana-xq3yr No one is forced to expose themselves on Calebs channel, they chose to do this in hopes of getting their finances in check and getting (non-official and free) advice.
@@Ana-xq3yr it's free because the trade off is he gets paid from the video. Pretty self explanatory. It's not like he doesn't give general, good advice. The dude isn't Steve wilkos ffs. Plus they are grown adults, you random guy on UA-cam. Aren't in a position to determine how capable they are of making decisions 😂
I swear I can FEEL depression in every shaky breath and quiet murmur and it pounds in the area like the base at a concert. THANK YOU for saying none of this matters if she isn’t OK. I tell my nursing students this when they end up in my office failing and depressed and hopeless. Nothing else matters if YOU aren’t ok. Take care of yourself, make sure you are eating, exercising, sleeping, removing stress (like crippling debt) and making an effort daily towards wellness. It’s gonna get better, sister! Thanks for sharing your story, you’ve got this.
Yeah I’ve been there. I got such a bad spell of severe depression and spent myself to credit card debt. It was like buying and having everything I wanted was the only time I felt anything. I’d order something from Amazon and for a day and a half I’d actually have something to look forward to. I hope she gets the help she needs because it’s sucks being in debt with nothing to show for it.
As a nurse, I’m on the verge of tears just seeing this. My nursing school acted like we weren’t human, we couldn’t miss a damn lecture, and even had a professor question why I had a brain mri scheduled during a class couldn’t I just do it some other time? Like the next slot was 3 weeks out and ALSO during class because I’m either in class or clincials during business hours, what did they want me to do? I was having symptoms of a brain tumor, AND I was already with the disability office and had accommodations. If we weren’t all making A’s it was frowned upon. And no one gave a SHIT about grades once you graduated! As long as you can understand the overall concepts, not memorizing all the medications for this one test and getting a C in class is much better than being overwhelmed and depressed and burnout out. C’s get degrees, and we just gotta pass than NCLEX! If you school does provide student mental health support, please point them to it- and also tell them if they feel overwhelmed and have access to it through insurance, therapy would have been AMAZING for me back then. Nursing school taught me to take care of everyone else before myself, results and getting shit done were what mattered, and not one peep how to take care of yourself realistically.
Oh and I went into complete caregiver burnout only 15 months after graduation, probably had symptoms within the first 3 months because the pressure I put on myself and my hospital and floor situation. Had to cut off hip length matted hair, needed $10k of dental work later, and had to quit my full time hospital job which thankfully I could. Now I am paid $47/hr plus benefits, flexible work hours and a great DON doing home infusions. One patient at a time in their home, I keep the same people for years and get to know them. And I also needed a spinal tap and drain to relieve pressure in my brain after the MRI, I had psuedotumor ceribi or IIH and would have lost my vision eventually if it hadn’t been addressed
This one genuinely made me sad. You can tell she really wants to do better but can’t get over that hump. Therapy is definitely a good idea. She’s ashamed, wants to get over it, but just can’t. Once she gets out of this rut she will do just fine.
Food addiction is REAL and it's rough. I've been there. Usually stems from some underlying issue in your life that you are trying to cope with. I hope she can get help. She's already accepted she has an issues which is a huge start. A lot of people on here don't even think they have an issue.
@@marinecorp179 well yes even in NJ because the thing that eats at everyone is rent. $500 rent leaves so much room for everything else. $5000k a month is what 60k earns you. After taxes it’s probably like $3000 for food, commute, health insurance is more than enough. You have plenty to spend on none necessities too
@@Ayaymeer 500 in rent, but everything else is high and highly taxed. She's lucky she doesn't have a car payment and car insurance cause even then its high. Lived in Jersey for 25 years, 60K even spending $500 is not enough to live there. And I know the exact area of where she lives near NY. It's pricey
True! My wife and I lived on $45k in a $550 small 1 bedroom apartment and were able to save 20% down for our home super fast. Not to mention, small apartments are super easy to clean!
With that generous grocery budget in Caleb's budget proposal and little experience in the kitchen, she would be a great candidate for a meal kit subscription. Going "cold turkey" from Uber Eats AND getting straight into weekly menu planning, grocery shopping, and all the steps of cooking could set her up for failure given the major change from quick convenience to lots of labor (mental and physical) and time. Something like Hello Fresh would allow her to ease into the change by first building a habit of cooking without the effort of planning, shopping, and prepping. We believe in you Genesis!! Don't let your hard work on your degree to get a decent salary and your connection to your friend for cheap rent go to waste!
Literally had the same thought process. Often times people even when giving the right advice underestimate the effort required to put the right habbits in place, or they will fail to mention important nuances because they tend to be intuitive for them.
Yeah one thing that really strikes me is that most of the people on here don't cook and say "they're lazy". I think they just don't knwo where to start. Caleb could do some serious damage pairing with a meal service for ads and send the free box lol.
MealLime is a free app, similar to hello fresh and blue apron. The only difference is you go buy the ingredients. It gives you recipes that are super easy to cook, a list of ingredients, tools, and instructions. I use it all the time
I really admire your holistic approach to these audits. You don’t only tackle finances - you tackle mental health, wellness, and the root causes behind the financial situation.
This girl has a business admin degree from SUNY. That has a lot to say about New York schools. Bet they taught her how evil white guys are (like Caleb)
She is depressed 😔 sad and lonesome. Eating is a coping mechanism. The fact that she admits she is living beyond her means is admirable because she knows she needs help.
Surprisingly food is an area where I spend a lot less than Caleb budgets for his guests. I’ve been feeling bad about getting most of my groceries delivered now and buying more frozen ready to cook meals, but it seems like not eating out makes the biggest difference. Or Austin is just crazy expensive.
I appreciate the hell out of this woman. She was brave enough to admit her problems and acknowledge that she needs help. I hope she gets therapy from here on out and I'm wishing her all the best
Exactly it takes guts! Also she isn't afraid to admit that she doesn't know and didn't bother to even try to know. Most people will pretend they know more than they do and it makes them look fake and dumb
@@CalebHammer I think the *majority* of guests featured on your financial audits are suffering from untreated ADHD. They know what they should be doing, but their brains won't cooperate. And then everyone shits on them and calls them lazy and stupid.
I really feel that mental health is 100% the problem here. I respect that she is not trying to justify her financial choices, and that she is reaching out for help and seems willing to try to improve her situation. I hope she gets the help she needs and is a happier and better person at the end of this journey. ❤️
I think that's a convenient excuse many make for poor decision making. This girl isn't crazy, isn't dumb, and doesn't need a massive counseling bill. The only help she needs is a financial education, not some quack to tell her what she already knows.
You could call mental health But a better definition of more like mental fantasy land. She's been taught that she was special and hasn't really suffered any consequence. Of her actions she thinks of the world as sunshines and rainbows and everything will just work out. She has no concept of delayed gravitation. If it's not instant gravitation it's inherently repulsive to her and not worth the effort which I doubt she has never put into anything. . Plus she has no idea how to critically think in the long term . How to sacrifice the short-term for benefits and long term one. what they really need is harsh harsh criticism. And a kick in the ass . You need to set the channel on rumble we could do like an insignment. They can go on to if they agree really lays into them. I'll fucking stupid pathetic, worthless and Will be homeless.
This is probably one of the first times this girl has *legitimately* looked at her finances. I hope she sticks to some changes after this huge “oh-shit” moment. Good luck to you! We’ve all been young (or old) and dumb, it’s just about learning from your mistakes and taking steps to make a positive change. YOU GOT THIS.
Shopping addiction is real. My sister was one of the craziest shoppers I’ve ever seen. Clothes and purses with tags still attached stuffed into her closet. Juggling credit cards. Giving people expensive gifts they didn’t even really want. Her disastrous finances were part of the downward alcoholic spiral that led to her death two years ago. In true style, she died in debt.
I always appreciate that Caleb is aware of mental health and disabilities and how that can affect people. This woman has a serious problem and needs professional help for it. You can't just "just don't spend" away an addiction that is a result of another issue. I hope she can get the help she needs.
I disagree, she seems quite rational and completely aware of her problem. She just so far refuses to change. Not every poor life choice requires counseling. I would argue very few of them do. Counseling would just be another very large bill she can't afford. I've been in her shoes in my youth. I eventually made the choice to grow up. She needs to make that decision too, not lean on the mental health excuse.
@@marissaboland958 I doubt that. She seems very aware of her problems. She just needs to grow up. That doesn't require therapy. It's a quack field unless people are actually insane
Hey Caleb, I have been following your show for a while and you frequently tell people this is the time for ' no fun'. It might be more effective to say ' no spending'. Walking in the park, hiking in the woods, having a picnic, or pot luck dinners with friends, are just a few ways to have fun and not spend too much money. You can have fun without going into debt.
me and my boyfriend have $6 to our names combined rn and we're going to a park later to have a date. we'll be skating/biking and have a picnic. no spend doesn't mean no fun.
Good point. Sitting on the couch watching TV is rarely beneficial to your mental health, and increases temptation to spend money. A second job helps with that as well, you're busy and your mind is preoccupied with other stuff, but people need fresh air, too, not just being busy. Going for a walk in the local park, even just walk to the shop for groceries, really helps to clean your head up.
I feel i dont usually have much hope for people on this show but i feel like this person actually wants to overcome this and is not in denial anymore. Rooting for you girl, keep on keepin on, you will succeed
@@Vexed711 this is probably enabling a lot of the behavior. Instead of seeing it as a blessing she’s been a glutinous person. Had she had rent at market prices she wouldn’t afford the lifestyle, and would learn to cook.
This channel has taught me how important self-control and not caving to impulses/instant gratification is when it comes to money. Thank you Caleb, I honestly don’t think I ever would have realized how important that is without this channel.
That is PRECISELY why I don't have a credit card. I'm on a fixed income and am know to have bouts of terrible impulse control. It's one thing to have spent all my spare money and have nothing left for a fortnight...but to do that with a credit card? I can see myself being under debt that I'd never escape from.
I think I also had a DoorDash/UberEats habit and once I broke the cycle, by going to an actual grocery store, I was surprised how much money I was saving (more like not spending needlessly). My monthly food bill went from like 1200 to 300 a month. Debts paid off quickly after that. Hard to break the cycle, but it takes some discipline and financial hardship to motivate you.
Yes, I moved to a place I could doordash to for the first time and I went a little crazy. I’m used to eating healthy so once the novelty wore off I went back to cooking
It's not hard to grill some vegetables and it's not hard to learn how to make a delicious 5 ingredient sauce to put on them. Rice or couscous and you're done. She needs to buy a 'Cheap Food for Students' book. I think the real problem is that she's clinically depressed and has been for years.
For selfish reason I’m going to need you to push out more content😂😂 Im addicted to these audits! In all seriousness, I was once in the shoes of most of these guests. I was very fortunate to have had a wake up call before it became crippling. I cut up my credit cards, paid my student loans off and my husband and I have pretty much erased 99% of our debt. Less than 3K left! Wishing all your guests the best!!
I loved this episode. The lady owned up to 100%, and her future is looking really promising with her income. I'd love to see a follow up where she's made amazing progress!
Please take care of yourself! This looks like depression for me. You deserve a happy life. It’s super hard sometimes. I know. It’s super hard for me right now. You are loved and you are worth it.
You can tell she feels shame, poor thing. I would too if I went on this show, I’d probably cry. However Caleb’s direct almost mean approach is what is needed to give people a wake up call!!
Of all the finance content on UA-cam I watch I respect Caleb the most he’s very clear he is not giving financial advise and really comes off as the dad yelling at his kids out of love.
He has to be clear he's not giving financial advice because it's literally illegal to give official financial advice without being qualified as a financial advisor.
I feel for this girl. I genuinely feel that she desperately wants to turn her life around but feels stuck. If she can get herself into therapy and starts prioritizing her overall health (mental, physical & spiritual) she'll get her life back on track. I'm rooting for her!
This channel is so important, and my new obsession. I was so horrible in my early 20s with money. I had like 7 credit cards with a lot of utilization. I’ve worked hard on paying them all off and make a nice cushion of savings. Thank you Caleb for teaching this stuff to people that don’t understand finances! You’re saving my younger self!
Ugh I want to give this girl a hug! I was in her exact position at one point when I was in an emotionally abusive relationship. Now I’m out of debt and I’m building my emergency fund. She can do it if I could do it!!
Wow, she is so relatable. 😢 admittedly, my situation is worse. I have several personal loans, use several pay check advance apps, etc. Like her, I’m also a professional with education, which is embarrassing. I really can appreciate her transparency and courage to share this information! As well as your sensitivity towards her mental health. Hoping things have gotten better for her❤
I just love this channel. He’s so non judgmental and empathetic with her but still really frank and firm with his reality check. Kick ass role model for all ages ❤.
Wish I found your channel sooner. My wife and I have just dug her ourselves out of a hole of $34,000 in debt. We’re now down to our last $2000. We did a snowball debt pay off and we had serious help from my dad.
It takes a brave person to put their whole life out there like this. It’s obvious you are smart young lady and got caught up in the conveniences of life that we all do sometimes. You definitely know what you need to do. You are young enough to turn things around and get back on track. Take Caleb’s advice to heart and you will see a change. Best of luck Genesis.
This is my favorite F.A so far, I appreciate the bravery and honesty of this girl, really good to see her willingness to change. The journey is going to be hard but def worth it! Our relationship with money in this capitalist society is very unhealthy, and Genesis is one of many people out there struggling with reckless consumerism unfortunately, I was there and now I'm much much better with my spending, so don't loose hope girl, you can make it
Literally sitting here realizing I'm sitting on plenty of money in my savings account that I don't need right, I decided to stop being stupid and pay half of my CC debt. My next check the other half will be paid off. I don't know why I was being so stupid. This made me reflect on my own situation and get my shit together. With that being said, I hope she listens to your amazing advice and gets it together. Thank you Caleb!!
Good job lately with giving kudos to your participants for coming in. And as a therapist, I’m sure the guilt, shame of their behaviors here and having to see it/admit it + what those behaviors are coming up for other things in their life are very hard to talk about. Hope they all get connected to support! She should look for a CBT, ACT, or addiction (CADC) clinician. Trauma therapist if there is trauma.
She is me!! I’ve finally gotten past my DoorDash addiction, but man…SHE IS ME. All the stupid things she’s doing are exactly what I was doing. I thought I was the only one lol.
This poor girl. She's not making excuses for herself, she's just dejected and clearly struggling with full knowledge of what she's doing to herself. I really hope she gets some therapy, she's just got self destructive impulse control issues. She's smart, she's just having trouble
I recently discovered your channel. I love what you're doing here. As a 30 year old who did not take control of my finances during my 20s, I have come across your channel at a time when I'm finally beginning to take responsibility for my life and my future. Still have a way to go. Fortunately I don't have any debt, but definitely behind the curve as far as savings and investment. Watching your videos is helping me gain perspective and begin to organize my affairs. I think you really are helping people, both guests and viewers. That being said, I know all too well how easy it is to fall back into bad patterns after some time, even after having a "eureka" moment. I'm really rooting for this girl! Keep it up man.
Honestly, learning cook has helped me mentally, physically and financially. I know it scares people, but once you get over the “feeling stupid at something new for the first time” feeling, it’s pretty fun.
I've seen a few of these audits and this is the best one I've seen from Caleb's end. He not only told her what was wrong, but WHY she should change it. She's stealing her future and Caleb is making it clear to her
i have bipolar disorder and a HUGE part of my manic phases is spending. the way she describes her spending cycles sounds super similar, you were right so recommend therapy
I always appreciate that you can gauge when somebody can handle your tough love vs needing some kid gloves. You definitely had a good read on her. And 100% great call on there being underlying issues for her addictive tendencies. I hope you were her wake up call and that she can get on track, get therapy, etc.
You can do this Genesis! Rooting for you. We were also heavily in debt with student loans and were horrible with money. We suffered enough with finances that we HAD to turn it around. 10 years later we are std debt free. And can enjoy life without worrying and dealing with the burden of std debt! Best wishes
Wonderful! Glad to hear you turned it all around! Side note: I thought I read "10 years later we are std *and* debt free" and I was like doubly glad for you 😆
I noticed that shopping for clothes and ordering out becomes more of a special and enjoyable experience in moderation. I also love to shop, but my compromise is setting aside $20-$40 and going to the thrift store. 99% of the time the items there are better quality than the typical fast fashion brands everyone loves to drop money on. Thrift shopping fills my “I want something new to make me feel good” need without feeling guilty about my spend. New York and NJ has some of the best thrift locations and I miss it 💔 thinking positive for you Genesis 🙏🏼
This is a situation where I actually feel bad for the person. She’s not making excuses or trying to bullshit. She has a problem, every human has different experiences and problems. I can respect her getting help and attempting to make changes for the her future.
A few suggestions: 1. Ask if there is anything she can return. If she had Klarna etc in the past month, there might be clothes or other things in the return window. Macys is pretty good with returns. That is instant money back in her account. Even if it is $100 bucks, it’s a start. And maybe it will help with her shopping addiction. 2. Can she list things to sell? eBay, threadup, etc. $2-300 would be a great start. If she’s a recovering shopping addiction, she likely has lots of clothes, shoes, etc. 3. Maybe paint more of a detailed vision of what life after debt looks like. Make a budget where her whole paycheck goes to her and tell her how much she can spend on wants in a year. She can buy stuff once she can afford it.
Caleb, please do a part 2 with her in May and part 3 in November. We are rooting for her and the re-visit will definitely provide an accountability to her.
I like how blunt and straight to the point you are when calling people out on their toxic financial behaviors. I have been in a very very bad financial situation before and to get out of it you certainly have to be honest with yourself, take responsibility and follow a strict budget. The credit score is harder to grow back up than it is to let it take a dive.
You've got this! It takes guts to accept that you need a kick in the butt to fix something. We've all been there. This is the sucky part but when you get through it you are going to feel a million times better and be in a better position
The hardest part is starting... Give yourself some grace through out the process... when you mess up, get back up and keep fighting through!... I agree about getting therapy which will help with the behavior portion. Now you have the head knowledge piece with the budget and the plan Caleb just outlined... This is not the journey of shame and suffering... this is your journey to freedom... YOU'VE GOT THIS!
Similar to my situation! I was very depressed for a few years (thanks therapy and meds for helping me turn it around, I’m doing a LOT better now). Food delivery is where nearly all my money was going during that time. Some things that have really helped me get cooking: cooking and freezing a large batch of protein like shredded chicken or pork, so I can just toss the cooked protein into ramen and heat it up. Frozen veggies too! Making breakfast in bulk, either buying frozen breakfast burritos or making an egg bake at the start of the work week and eating it throughout the week. Eating cold foods too - keeping my fridge full of apples and sandwich materials has made a big difference. For those bad bad days, frozen soups and tv dinners are a lifesaver. For mental health, I think the key is making eating at home an Easier choice - pre-made foods, while pricey, are still cheaper than takeout. I know it would be even cheaper to make everything from scratch, but a baby step is still a step. I’ve started paying off my CC debt from ordering in all the time and am rebuilding my emergency fund that was being slowly drained to prevent over drafting my checking. Rooting for your recovery ❤
I agree completely. Great advice here! Some people are daunted by the thought of cooking and the effort of following complicated recipes, so they don't do it.
I'm truly appreciating how you're trying to also address mental health and needs of your clients. Obviously, this girl needs a lot of help. Bless her heart....
Just found you today. I'm an old lady I wished you had been around when I was younger. It took me a long time to get my finances in order. It's great that you are teaching the youth..
It sucks to see, but it sounds like she is taking it very seriously. I think she’ll bounce back better than a lot of the less “serious” financial situations we have seen in other episodes. It sounds like if she can kick the one really bad Uber eats habit the rest will feel easy in comparison. We’re cheering for you!
God I feel for her. She is just like me when I was younger. I’m now a single mum to 3 young children in the UK and only now at 36 am I getting even more serious about getting better habits/ savings. She is young and if she is willing to change she can easily sort the mess out . Good luck to her.
I feel for her. I am a student in a very competitive field and to cope with all the stress and pressure I got addicted to Starbucks and Chick-fil-A. Probably spent close to 1,000 on Starbucks coffee last year. Now I try to take control of my finances and lose all the weight I gained. I hope she finds the help that she needs. Unlike many guests she is willing to change.
The cooking can be so low maintenance and easy. You buy fish or chicken and a marinade. Soak 3 days of servings in the marinade for a night and air fry for like 20mins. One serving goes into each container with a serving of veg. Things like green beans don’t even have to be chopped. Then the veg gets cooked when you microwave it later and you can top with a pat of butter and salt/pepper. The meat cooks itself you get to walk away while it’s happening and the veg obviously cooks while you’re reheating. You don’t have to make the marinade yourself. It’s so fast and easy. Snacks can be string cheese or apples or yoghurts. All require no prep. Cereal and milk for breakfast is easy. So is toast and butter/jam.
Genesis, if you see this, I wish you the very best in your journey. I may see certain details a bit different than Caleb, but he laid out a solid plan to get going! If you can seek some help and really do this, the load that will lift off your shoulders and the resulting peace is something that can only be felt and not explained. When each of these cards gets its teeth kicked in by being paid off, you will sleep better, you will walk with your head up, and you will know that you persevered and conquered. Even more so when you have a full emergency fund in the bank. Stay the course. You can do this! I'm excited to hear an awesome follow-up to your emotional but hopeful story!
Rooting so hard for this girl and wishing her nothing but the best. Making bad financial decisions doesn’t make her a bad person and I hope she recognizes that change is possible. Compulsive spending is a very hard thing to overcome but I’ve seen it done and I hope she can find a good therapist who will both support her and encourage her to make better decisions.
I give her a lot of credit for realizing she had a problem, reaching out for help, and putting it out there for youtube to critique. She seems so stressed and I hope she really turns her habits around.
I really feel for her! I hope she reads the comments and sees how much we are all rooting for her. I’ve been in her shoes with spending addiction behavior. For me it was (unbeknownst to me for years) a symptom of my ADHD. The spending floods your brain with dopamine, and that’s exactly what the ADHD brain is constantly craving. It still creeps up in me sometimes, but I’ve come a long way after years of struggle. Whatever her mental health reasons are, I hope she’s able to get help with it. REALLY looking forward to a follow up with her down the road. Please keep us updated!
I’m so glad my high school finance class (did y’all know Dave Ramsey has a high school curriculum? lol) made me so terrified of credit cards because I have been in her position. Needing to borrow money, spending hundreds of dollars per paycheck on BS, not wanting to even look at shit concerning money…my mindset change is recent, but I never had financially stable parents so it’s not like I can ask them for advise lol. Caleb, these videos have saved me. Lifestyle creep had me a chokehold. I’m ready to stop renting, start a life with my partner, and I’ve put myself in this little tiny shitty box in the corner because I can’t do anything. I feel behind but with the way things have been going, I’ll be debt-free shortly. Thank you Caleb! And good luck with peace and love to the guest. I understand. I hope you can get the help that you need and deserve
This series is just so good man. UA-cam recommended it a couple of weeks ago, and I can't stop watching them. I was already doing pretty well financially, but I'm still learning things that I could improve on from these. Keep up the great work Caleb!
I feel bad for her, but she needs the tough love and the wake up call. She's young, she has time to fix all this, but it's on her. She definitely needs help, and she's taken the first step by taking this audit, but she needs a professional.
I couldn't disagree more. People throughout all of human history became adults without counseling. There is zero reason we need it now. I've been in her shoes with the added bonus of a raging drug addiction. I didn't need counseling to stop, I already knew what was wrong and how to fix it. I just needed to finally decide to quit acting like a child. This girl isn't dumb and doesn't need anyone to tell her what she should be doing. You can tell she already knew what was wrong by how she answered Caleb's questions. She just keeps taking the easy path of ignoring the problem.
As much entertainment as this channel provides me, it always gives me anxiety for these people who are struggling. For once I actually feel like someone is expressing remorse for their situation. I am really really rooting for her and hope she can follow through!
I started my financial independence journey when I was 26-27 years old. I wish I had someone like you when I was 20. Now I’m 34 and so grateful for everything that I accomplished. But not going to lie sometimes I wish it was sooner! ☀️
Oooo she needs to really be careful with a Macy's card. I had one for a while. I put a sweater on it to get a discount, I told the cashier I wanted to pay off the total that same day. But she was esl and I guess misunderstood and she just had me pay a first payment instead of the total, so there was $2 left on the card I didn't know about. Let me tell you! If you miss a payment they will take your ass over coals! By the time I got the letter in the mail saying I had missed a payment they had already charged so much in late fees that my $2 had turned into over $50. I paid it off and closed the account that day.
caleb is out here saving lives. she is so brave for coming on and i commend her for it! I believe she will turn it around after this. caleb was not forgiving and it's the wakeup call she needed. you got this!!
I love this channel so much. Finance issues are so hard and stressful because it’s so personal and you feel SO alone. Watching these people in similar or worse situations than me and thinking, “they can get out of this” makes me feel like I can do it, too. Thanks so much
Yes, lots of people don't learn anything about money from their family, and there's a lot of shame and confusion around debt. It's also not easy to figure out how or where to get help when the banks, CC companies and loan givers are all predatory and part of the problem.
This channel has put the fire under my butt to get things VERY clear and situated with my finances. I've paid off most debt (credit card and make sure that I pay it off EVERY month, car loan) over the last 3 years, but now I'm working on my graduate school student loans. I've been binging on these audits and I feel like I'm learning SO MUCH. Thank you Caleb. I've been sharing your channel with everyone I know!
My heart breaks for this girl. I really hope she is able to get the resources she needs to work through the bigger problem she is compensating for. She knows she needs help which is a huge milestone. I hope she can find a good counselor to walk her through this.
i honestly can really relate to her, i feel like i had very similar habits up until a year or so ago. the weight of this lifestyle is so heavy and overwhelming, and can truly cause you to just panic/freeze and completely block out any thoughts regarding finances. it’s a vicious cycle but i admire her so much for coming on. you’ve got this girl!!!!
Despite the failures of all your guests, I can't help but thank you for what you do, Caleb. It makes me sad that so many people are financially illiterate, and that their parents didn't teach them the value of a dollar. But better late than never, and I wish Genesis the best. She can do it. If she gets the help she needs, and sticks to your advice, she can do it!
She said at the 39:00 mark, that she didn’t want to have fun during this and just stay inside and deal with it. I’d recommend not taking this strategy, it’s terrible for mental health and motivation. There are tons of things you can get into or find to do that don’t cost anything, and will keep you active and help pass the time. Go to your local parks, start playing a free/cheap sport locally, join some clubs in your community. Find ways to entertain yourself without spending money, and this will carry over to your future self once you’re out of debt, and help keep better habits.
I hear how close she is to breaking down and crying at every breath she takes. You are so brave for coming on the show. Please seek some much needed therapy and I wish the best for you!!
I cant wait til this virtue signaling fad goes away. its sooo cringe and unproductive.
Anyone that comes on this show need therapy. Caleb exploits people more than helping
@@Ana-xq3yr No one is forced to expose themselves on Calebs channel, they chose to do this in hopes of getting their finances in check and getting (non-official and free) advice.
@@synaesthesia888 no healthy minded person would subject themselves to his advice. It’s free cause no one would pay for it.
@@Ana-xq3yr it's free because the trade off is he gets paid from the video. Pretty self explanatory. It's not like he doesn't give general, good advice. The dude isn't Steve wilkos ffs.
Plus they are grown adults, you random guy on UA-cam. Aren't in a position to determine how capable they are of making decisions 😂
I swear I can FEEL depression in every shaky breath and quiet murmur and it pounds in the area like the base at a concert. THANK YOU for saying none of this matters if she isn’t OK. I tell my nursing students this when they end up in my office failing and depressed and hopeless. Nothing else matters if YOU aren’t ok. Take care of yourself, make sure you are eating, exercising, sleeping, removing stress (like crippling debt) and making an effort daily towards wellness. It’s gonna get better, sister! Thanks for sharing your story, you’ve got this.
Yeah I’ve been there. I got such a bad spell of severe depression and spent myself to credit card debt. It was like buying and having everything I wanted was the only time I felt anything. I’d order something from Amazon and for a day and a half I’d actually have something to look forward to. I hope she gets the help she needs because it’s sucks being in debt with nothing to show for it.
Nursing school can lead to an anxiety disorder ask me how I know…. It’s a very stressful career
@@thegirllikesmovies7389 Yess. I understand this completely.
As a nurse, I’m on the verge of tears just seeing this. My nursing school acted like we weren’t human, we couldn’t miss a damn lecture, and even had a professor question why I had a brain mri scheduled during a class couldn’t I just do it some other time? Like the next slot was 3 weeks out and ALSO during class because I’m either in class or clincials during business hours, what did they want me to do? I was having symptoms of a brain tumor, AND I was already with the disability office and had accommodations. If we weren’t all making A’s it was frowned upon. And no one gave a SHIT about grades once you graduated! As long as you can understand the overall concepts, not memorizing all the medications for this one test and getting a C in class is much better than being overwhelmed and depressed and burnout out. C’s get degrees, and we just gotta pass than NCLEX!
If you school does provide student mental health support, please point them to it- and also tell them if they feel overwhelmed and have access to it through insurance, therapy would have been AMAZING for me back then.
Nursing school taught me to take care of everyone else before myself, results and getting shit done were what mattered, and not one peep how to take care of yourself realistically.
Oh and I went into complete caregiver burnout only 15 months after graduation, probably had symptoms within the first 3 months because the pressure I put on myself and my hospital and floor situation. Had to cut off hip length matted hair, needed $10k of dental work later, and had to quit my full time hospital job which thankfully I could. Now I am paid $47/hr plus benefits, flexible work hours and a great DON doing home infusions. One patient at a time in their home, I keep the same people for years and get to know them.
And I also needed a spinal tap and drain to relieve pressure in my brain after the MRI, I had psuedotumor ceribi or IIH and would have lost my vision eventually if it hadn’t been addressed
it’s amazing to see a full-time panda express recruiter give up his free time to assist people with their finances!
🤣🤣🤣
🤣good one.
Panda is gonna start serving a 50% Chow Mein 30% Fried Rice 20% White Rice and call it a Hammer plate
@@SpoonHurler better at math than that entrepreneur kid from the other video.
😂 I’m starting to seriously consider a career at Panda Express fr
This one genuinely made me sad. You can tell she really wants to do better but can’t get over that hump. Therapy is definitely a good idea. She’s ashamed, wants to get over it, but just can’t.
Once she gets out of this rut she will do just fine.
It is sad. It isn't a "rut". It's a complete disregard of ones finances. It's self destructive behavior.
@@TheBrownSys Exactly, spending should not be a addiction, I think people need to understand the struggle of being poor to know what it feel's like
@@onlinetrends2478 there’s a lot of poor people who get a little money and spend poorly because of a lack of education too
@@josiah918ifyand you're not wrong about that, I was just fortunate to have parents strive to becoming poor
Food addiction is REAL and it's rough. I've been there. Usually stems from some underlying issue in your life that you are trying to cope with. I hope she can get help. She's already accepted she has an issues which is a huge start. A lot of people on here don't even think they have an issue.
Really hope she turns things around! 60k a year with $500 a month rent - she could be in such good shape!
not in NJ!!!! 60K
@@marinecorp179 well yes even in NJ because the thing that eats at everyone is rent. $500 rent leaves so much room for everything else. $5000k a month is what 60k earns you. After taxes it’s probably like $3000 for food, commute, health insurance is more than enough. You have plenty to spend on none necessities too
@@Ayaymeer 500 in rent, but everything else is high and highly taxed. She's lucky she doesn't have a car payment and car insurance cause even then its high. Lived in Jersey for 25 years, 60K even spending $500 is not enough to live there. And I know the exact area of where she lives near NY. It's pricey
Just stop paying Macy’s??
She’s just irresponsible plain and simple
True! My wife and I lived on $45k in a $550 small 1 bedroom apartment and were able to save 20% down for our home super fast. Not to mention, small apartments are super easy to clean!
With that generous grocery budget in Caleb's budget proposal and little experience in the kitchen, she would be a great candidate for a meal kit subscription. Going "cold turkey" from Uber Eats AND getting straight into weekly menu planning, grocery shopping, and all the steps of cooking could set her up for failure given the major change from quick convenience to lots of labor (mental and physical) and time. Something like Hello Fresh would allow her to ease into the change by first building a habit of cooking without the effort of planning, shopping, and prepping.
We believe in you Genesis!! Don't let your hard work on your degree to get a decent salary and your connection to your friend for cheap rent go to waste!
Literally had the same thought process. Often times people even when giving the right advice underestimate the effort required to put the right habbits in place, or they will fail to mention important nuances because they tend to be intuitive for them.
I wish hello fresh was available in central Europe. I can't even fathom planning grocery shopping.
Yeah one thing that really strikes me is that most of the people on here don't cook and say "they're lazy". I think they just don't knwo where to start. Caleb could do some serious damage pairing with a meal service for ads and send the free box lol.
MealLime is a free app, similar to hello fresh and blue apron. The only difference is you go buy the ingredients. It gives you recipes that are super easy to cook, a list of ingredients, tools, and instructions. I use it all the time
Crockpot meals, easy, no hassle, no maintenance
I really admire your holistic approach to these audits. You don’t only tackle finances - you tackle mental health, wellness, and the root causes behind the financial situation.
@calebhammer1977 SCAMMER
This girl has a business admin degree from SUNY. That has a lot to say about New York schools. Bet they taught her how evil white guys are (like Caleb)
Every time I go to order food, I just imagine Caleb shaking his head at me, and I stop in my tracks😆
ha me too .He is so real in his reactions great to see heis not a performative youtuber
Also never shop for food when you are hungry. 500 where I live is a 1 and a half room apt if that or a room in a boarding house.
She is depressed 😔 sad and lonesome. Eating is a coping mechanism. The fact that she admits she is living beyond her means is admirable because she knows she needs help.
Surprisingly food is an area where I spend a lot less than Caleb budgets for his guests. I’ve been feeling bad about getting most of my groceries delivered now and buying more frozen ready to cook meals, but it seems like not eating out makes the biggest difference. Or Austin is just crazy expensive.
I've started having this type of vision recently regarding ordering food (or frivolous spending in general!) Lol!
I appreciate the hell out of this woman. She was brave enough to admit her problems and acknowledge that she needs help. I hope she gets therapy from here on out and I'm wishing her all the best
Exactly it takes guts! Also she isn't afraid to admit that she doesn't know and didn't bother to even try to know. Most people will pretend they know more than they do and it makes them look fake and dumb
10000%
Ya one of the first ones I've seen actually take accountability.
Winter is coming!
@@CalebHammer I think the *majority* of guests featured on your financial audits are suffering from untreated ADHD. They know what they should be doing, but their brains won't cooperate. And then everyone shits on them and calls them lazy and stupid.
I really feel that mental health is 100% the problem here. I respect that she is not trying to justify her financial choices, and that she is reaching out for help and seems willing to try to improve her situation. I hope she gets the help she needs and is a happier and better person at the end of this journey. ❤️
Agreed... there's some rooted issues that if not addressed will continue to hinder her progress.
I think that's a convenient excuse many make for poor decision making. This girl isn't crazy, isn't dumb, and doesn't need a massive counseling bill. The only help she needs is a financial education, not some quack to tell her what she already knows.
This. Too many people blame everything but themselves. Winter is coming…
You could call mental health But a better definition of more like mental fantasy land. She's been taught that she was special and hasn't really suffered any consequence.
Of her actions she thinks of the world as sunshines and rainbows and everything will just work out. She has no concept of delayed gravitation.
If it's not instant gravitation it's inherently repulsive to her and not worth the effort which I doubt she has never put into anything. . Plus she has no idea how to critically think in the long term
. How to sacrifice the short-term for benefits and long term one.
what they really need is harsh harsh criticism. And a kick in the ass .
You need to set the channel on rumble we could do like an insignment. They can go on to if they agree really lays into them. I'll fucking stupid pathetic, worthless and Will be homeless.
I think mental health is the reason for most of these guests to be honest
Paid off all of my CC debts due to this channel. Thank you Caleb!
That’s amazing!!!
I finally paid mine off this morning. Thank you Pay Day. Now onto saving an Emergency Fund.
I’m thinking of the same thing lol
Well done!
Yeees🎉😮
This is probably one of the first times this girl has *legitimately* looked at her finances. I hope she sticks to some changes after this huge “oh-shit” moment. Good luck to you! We’ve all been young (or old) and dumb, it’s just about learning from your mistakes and taking steps to make a positive change. YOU GOT THIS.
Im proud of her for not coming up with excuses. I hope she has hit bottom and will improve
Shopping addiction is real. My sister was one of the craziest shoppers I’ve ever seen. Clothes and purses with tags still attached stuffed into her closet. Juggling credit cards. Giving people expensive gifts they didn’t even really want. Her disastrous finances were part of the downward alcoholic spiral that led to her death two years ago. In true style, she died in debt.
I am sorry for your loss. My mother is a spending addict. She hides things and lies and justifies and blames.
I’m so sorry to hear this ❤️
I always appreciate that Caleb is aware of mental health and disabilities and how that can affect people. This woman has a serious problem and needs professional help for it. You can't just "just don't spend" away an addiction that is a result of another issue. I hope she can get the help she needs.
Exactly ❤️❤️
And then sadly the therapy is expensive as well :( but it’ll be worth it for her
Yeah. Personal finance has to account for the personal aspects.
I disagree, she seems quite rational and completely aware of her problem. She just so far refuses to change. Not every poor life choice requires counseling. I would argue very few of them do. Counseling would just be another very large bill she can't afford. I've been in her shoes in my youth. I eventually made the choice to grow up. She needs to make that decision too, not lean on the mental health excuse.
@@marissaboland958 I doubt that. She seems very aware of her problems. She just needs to grow up. That doesn't require therapy. It's a quack field unless people are actually insane
This generation needs this so badly. This bluntness is so refreshing. Convenience of borrowing without understanding is destroying people.
Hey Caleb,
I have been following your show for a while and you frequently tell people this is the time for ' no fun'. It might be more effective to say ' no spending'. Walking in the park, hiking in the woods, having a picnic, or pot luck dinners with friends, are just a few ways to have fun and not spend too much money. You can have fun without going into debt.
me and my boyfriend have $6 to our names combined rn and we're going to a park later to have a date. we'll be skating/biking and have a picnic. no spend doesn't mean no fun.
Good point. Sitting on the couch watching TV is rarely beneficial to your mental health, and increases temptation to spend money. A second job helps with that as well, you're busy and your mind is preoccupied with other stuff, but people need fresh air, too, not just being busy. Going for a walk in the local park, even just walk to the shop for groceries, really helps to clean your head up.
I feel i dont usually have much hope for people on this show but i feel like this person actually wants to overcome this and is not in denial anymore. Rooting for you girl, keep on keepin on, you will succeed
The amount of thanks she owes her friend for that rent is priceless.
Probably a hinderance tbh
@@MrJose021292 how
@@Vexed711 this is probably enabling a lot of the behavior. Instead of seeing it as a blessing she’s been a glutinous person.
Had she had rent at market prices she wouldn’t afford the lifestyle, and would learn to cook.
@@MrJose021292or she’d just be in worst debt the she already is. Or homeless
@@arielrocks10 at some point something stops lending you money lol
This woman sees extremely depressed and shameful. She needs help and compassionate counseling. I really feel for her.
She's self medicating by shopping.
She's nice, but definitely needs help.
@suits334touch grass?
@suits334 Way to be disingenuous in what you said
Compassion is the reason she is in this mess. She needs tough love first, then a game plan, then accountability on that game plan
This channel has taught me how important self-control and not caving to impulses/instant gratification is when it comes to money. Thank you Caleb, I honestly don’t think I ever would have realized how important that is without this channel.
Thank you ❤️❤️
Good for you, keep it up. I'm not good at money but I was born a cheapskate. Paid off in the long run.
That is PRECISELY why I don't have a credit card. I'm on a fixed income and am know to have bouts of terrible impulse control. It's one thing to have spent all my spare money and have nothing left for a fortnight...but to do that with a credit card? I can see myself being under debt that I'd never escape from.
I think I also had a DoorDash/UberEats habit and once I broke the cycle, by going to an actual grocery store, I was surprised how much money I was saving (more like not spending needlessly). My monthly food bill went from like 1200 to 300 a month. Debts paid off quickly after that. Hard to break the cycle, but it takes some discipline and financial hardship to motivate you.
I occasionally use uber eats because Im an airline pilot and will be in a hotel with no food around. Its staggering how expensive it is!
Yes, I moved to a place I could doordash to for the first time and I went a little crazy. I’m used to eating healthy so once the novelty wore off I went back to cooking
Congrats on breaking that habit, my husband and I have been decreasing the amount of money we spend on Uber eats and it does go a long way
It's not hard to grill some vegetables and it's not hard to learn how to make a delicious 5 ingredient sauce to put on them. Rice or couscous and you're done. She needs to buy a 'Cheap Food for Students' book. I think the real problem is that she's clinically depressed and has been for years.
Yes is true😊😊😊
For selfish reason I’m going to need you to push out more content😂😂 Im addicted to these audits! In all seriousness, I was once in the shoes of most of these guests. I was very fortunate to have had a wake up call before it became crippling. I cut up my credit cards, paid my student loans off and my husband and I have pretty much erased 99% of our debt. Less than 3K left! Wishing all your guests the best!!
Well done on your success 🎉😊
I loved this episode. The lady owned up to 100%, and her future is looking really promising with her income. I'd love to see a follow up where she's made amazing progress!
Please take care of yourself! This looks like depression for me. You deserve a happy life. It’s super hard sometimes. I know. It’s super hard for me right now. You are loved and you are worth it.
You can tell she feels shame, poor thing. I would too if I went on this show, I’d probably cry. However Caleb’s direct almost mean approach is what is needed to give people a wake up call!!
One of the great things about Caleb is that he knows exactly what to challenge and how much.
Of all the finance content on UA-cam I watch I respect Caleb the most he’s very clear he is not giving financial advise and really comes off as the dad yelling at his kids out of love.
He has to be clear he's not giving financial advice because it's literally illegal to give official financial advice without being qualified as a financial advisor.
I feel for this girl. I genuinely feel that she desperately wants to turn her life around but feels stuck. If she can get herself into therapy and starts prioritizing her overall health (mental, physical & spiritual) she'll get her life back on track. I'm rooting for her!
Me too. I like her. I wish she liked herself as much as she deserves to
This channel is so important, and my new obsession. I was so horrible in my early 20s with money. I had like 7 credit cards with a lot of utilization. I’ve worked hard on paying them all off and make a nice cushion of savings.
Thank you Caleb for teaching this stuff to people that don’t understand finances! You’re saving my younger self!
Thank you!
I am rooting for her. She can do it. ❤
Ugh I want to give this girl a hug! I was in her exact position at one point when I was in an emotionally abusive relationship. Now I’m out of debt and I’m building my emergency fund. She can do it if I could do it!!
Well done ❤
Wow, she is so relatable. 😢 admittedly, my situation is worse. I have several personal loans, use several pay check advance apps, etc. Like her, I’m also a professional with education, which is embarrassing. I really can appreciate her transparency and courage to share this information! As well as your sensitivity towards her mental health. Hoping things have gotten better for her❤
Caleb at 170k!! So happy for you man!
Couldn’t have done it without your support!
I just love this channel. He’s so non judgmental and empathetic with her but still really frank and firm with his reality check. Kick ass role model for all ages ❤.
Non judgemental and empathetic?!?!? BS!
Yeah… I’m not sure if you chose the right words here either.
Hes literally shouting at her and clearly getting angry all the way through the interview
Wish I found your channel sooner. My wife and I have just dug her ourselves out of a hole of $34,000 in debt. We’re now down to our last $2000. We did a snowball debt pay off and we had serious help from my dad.
That’s awesome way to go! Hopefully you can return the favor to your father in some way in the future!
Once she's out of debt, she'll find someone else and take all your shit
It takes a brave person to put their whole life out there like this. It’s obvious you are smart young lady and got caught up in the conveniences of life that we all do sometimes.
You definitely know what you need to do. You are young enough to turn things around and get back on track. Take Caleb’s advice to heart and you will see a change.
Best of luck Genesis.
Props to Caleb for recognizing this is an addiction and not just bad habits or not caring. He was able to recommend therapy which she definitely needs
I respect Caleb so much for being firm but empathic and understanding.
This is my favorite F.A so far, I appreciate the bravery and honesty of this girl, really good to see her willingness to change.
The journey is going to be hard but def worth it! Our relationship with money in this capitalist society is very unhealthy, and Genesis is one of many people out there struggling with reckless consumerism unfortunately, I was there and now I'm much much better with my spending, so don't loose hope girl, you can make it
Absolutely
Please follow up with her! I’m rooting for her!
Literally sitting here realizing I'm sitting on plenty of money in my savings account that I don't need right, I decided to stop being stupid and pay half of my CC debt. My next check the other half will be paid off. I don't know why I was being so stupid. This made me reflect on my own situation and get my shit together. With that being said, I hope she listens to your amazing advice and gets it together. Thank you Caleb!!
These videos have really helped me fix my spending habits, if only watching these fixed my student loans…😂
Nice job 🎉
Good job lately with giving kudos to your participants for coming in. And as a therapist, I’m sure the guilt, shame of their behaviors here and having to see it/admit it + what those behaviors are coming up for other things in their life are very hard to talk about. Hope they all get connected to support! She should look for a CBT, ACT, or addiction (CADC) clinician. Trauma therapist if there is trauma.
She is me!! I’ve finally gotten past my DoorDash addiction, but man…SHE IS ME. All the stupid things she’s doing are exactly what I was doing. I thought I was the only one lol.
Yes🎉
This poor girl. She's not making excuses for herself, she's just dejected and clearly struggling with full knowledge of what she's doing to herself. I really hope she gets some therapy, she's just got self destructive impulse control issues. She's smart, she's just having trouble
I recently discovered your channel. I love what you're doing here. As a 30 year old who did not take control of my finances during my 20s, I have come across your channel at a time when I'm finally beginning to take responsibility for my life and my future. Still have a way to go. Fortunately I don't have any debt, but definitely behind the curve as far as savings and investment. Watching your videos is helping me gain perspective and begin to organize my affairs. I think you really are helping people, both guests and viewers. That being said, I know all too well how easy it is to fall back into bad patterns after some time, even after having a "eureka" moment. I'm really rooting for this girl! Keep it up man.
Honestly, learning cook has helped me mentally, physically and financially. I know it scares people, but once you get over the “feeling stupid at something new for the first time” feeling, it’s pretty fun.
I've seen a few of these audits and this is the best one I've seen from Caleb's end. He not only told her what was wrong, but WHY she should change it. She's stealing her future and Caleb is making it clear to her
I really like this woman. She's genuine and down to earth. It sucks she's in this bind, and I hope she can fight through it. ❤️
She's lovely, but she needs some effective support.
She was in a bind, and she was way behind.
i have bipolar disorder and a HUGE part of my manic phases is spending. the way she describes her spending cycles sounds super similar, you were right so recommend therapy
This series should be shown in high-schools across the country to educate our youth on things that they actually need to know in life
Yes something needs to change or it's not going to be good.
Why do you think there’s 0 real financial courses in schools they need workers and debt slaves not people
Yep George Carlin told us a long time ago.
Actually true
Such a sweet, beautiful young woman. I hope she takes his advice and comes back on the show talking about her success.
I always appreciate that you can gauge when somebody can handle your tough love vs needing some kid gloves. You definitely had a good read on her. And 100% great call on there being underlying issues for her addictive tendencies. I hope you were her wake up call and that she can get on track, get therapy, etc.
You can do this Genesis! Rooting for you. We were also heavily in debt with student loans and were horrible with money. We suffered enough with finances that we HAD to turn it around. 10 years later we are std debt free. And can enjoy life without worrying and dealing with the burden of std debt! Best wishes
Wonderful! Glad to hear you turned it all around! Side note: I thought I read "10 years later we are std *and* debt free" and I was like doubly glad for you 😆
@@debbieharris1628 😆 🤣
The way her voice cracked when saying underlying sadness. Man, I feel for her. I hope she can get on track!
I noticed that shopping for clothes and ordering out becomes more of a special and enjoyable experience in moderation. I also love to shop, but my compromise is setting aside $20-$40 and going to the thrift store. 99% of the time the items there are better quality than the typical fast fashion brands everyone loves to drop money on. Thrift shopping fills my “I want something new to make me feel good” need without feeling guilty about my spend. New York and NJ has some of the best thrift locations and I miss it 💔 thinking positive for you Genesis 🙏🏼
This is a situation where I actually feel bad for the person. She’s not making excuses or trying to bullshit. She has a problem, every human has different experiences and problems. I can respect her getting help and attempting to make changes for the her future.
A few suggestions:
1. Ask if there is anything she can return. If she had Klarna etc in the past month, there might be clothes or other things in the return window. Macys is pretty good with returns. That is instant money back in her account. Even if it is $100 bucks, it’s a start. And maybe it will help with her shopping addiction.
2. Can she list things to sell? eBay, threadup, etc. $2-300 would be a great start. If she’s a recovering shopping addiction, she likely has lots of clothes, shoes, etc.
3. Maybe paint more of a detailed vision of what life after debt looks like. Make a budget where her whole paycheck goes to her and tell her how much she can spend on wants in a year. She can buy stuff once she can afford it.
All great points
Caleb, please do a part 2 with her in May and part 3 in November. We are rooting for her and the re-visit will definitely provide an accountability to her.
Definitely agreed!
I have a good feeling about her. She's so vulnerable and honest. You got this Genesis!
I am so pulling for this young woman. I’d love to see a follow up a year from now.
I like how blunt and straight to the point you are when calling people out on their toxic financial behaviors. I have been in a very very bad financial situation before and to get out of it you certainly have to be honest with yourself, take responsibility and follow a strict budget. The credit score is harder to grow back up than it is to let it take a dive.
She seems so nice and does not use excuses. I hope, she can figure her finances out and will do better in the future.
I’d be happy to see a 6 month follow up episode with her
You've got this! It takes guts to accept that you need a kick in the butt to fix something. We've all been there. This is the sucky part but when you get through it you are going to feel a million times better and be in a better position
Absolutely ❤️
The hardest part is starting... Give yourself some grace through out the process... when you mess up, get back up and keep fighting through!... I agree about getting therapy which will help with the behavior portion. Now you have the head knowledge piece with the budget and the plan Caleb just outlined... This is not the journey of shame and suffering... this is your journey to freedom... YOU'VE GOT THIS!
Similar to my situation! I was very depressed for a few years (thanks therapy and meds for helping me turn it around, I’m doing a LOT better now). Food delivery is where nearly all my money was going during that time.
Some things that have really helped me get cooking: cooking and freezing a large batch of protein like shredded chicken or pork, so I can just toss the cooked protein into ramen and heat it up. Frozen veggies too! Making breakfast in bulk, either buying frozen breakfast burritos or making an egg bake at the start of the work week and eating it throughout the week. Eating cold foods too - keeping my fridge full of apples and sandwich materials has made a big difference. For those bad bad days, frozen soups and tv dinners are a lifesaver.
For mental health, I think the key is making eating at home an Easier choice - pre-made foods, while pricey, are still cheaper than takeout. I know it would be even cheaper to make everything from scratch, but a baby step is still a step. I’ve started paying off my CC debt from ordering in all the time and am rebuilding my emergency fund that was being slowly drained to prevent over drafting my checking.
Rooting for your recovery ❤
I agree completely. Great advice here! Some people are daunted by the thought of cooking and the effort of following complicated recipes, so they don't do it.
I'm truly appreciating how you're trying to also address mental health and needs of your clients. Obviously, this girl needs a lot of help. Bless her heart....
Word! I know he is doing Tough Love but even he can be a bit harsh. How would he feel if someone criticized his looks.
@@laminagehe literally criticized his own looks lol
Just found you today. I'm an old lady I wished you had been around when I was younger. It took me a long time to get my finances in order. It's great that you are teaching the youth..
I feel for her. She’s brave sharing her finances so openly. I really hope she can get help and be one of Caleb’s success story.
It sucks to see, but it sounds like she is taking it very seriously. I think she’ll bounce back better than a lot of the less “serious” financial situations we have seen in other episodes. It sounds like if she can kick the one really bad Uber eats habit the rest will feel easy in comparison. We’re cheering for you!
God I feel for her. She is just like me when I was younger. I’m now a single mum to 3 young children in the UK and only now at 36 am I getting even more serious about getting better habits/ savings. She is young and if she is willing to change she can easily sort the mess out . Good luck to her.
I feel for her. I am a student in a very competitive field and to cope with all the stress and pressure I got addicted to Starbucks and Chick-fil-A. Probably spent close to 1,000 on Starbucks coffee last year. Now I try to take control of my finances and lose all the weight I gained.
I hope she finds the help that she needs. Unlike many guests she is willing to change.
The cooking can be so low maintenance and easy. You buy fish or chicken and a marinade. Soak 3 days of servings in the marinade for a night and air fry for like 20mins. One serving goes into each container with a serving of veg. Things like green beans don’t even have to be chopped. Then the veg gets cooked when you microwave it later and you can top with a pat of butter and salt/pepper. The meat cooks itself you get to walk away while it’s happening and the veg obviously cooks while you’re reheating. You don’t have to make the marinade yourself. It’s so fast and easy. Snacks can be string cheese or apples or yoghurts. All require no prep. Cereal and milk for breakfast is easy. So is toast and butter/jam.
The unlimited monthly pass for public transportation in NY is $127 for 30 days....how is she spending $315?
She's coming in from Jersey and taking a bus and train. There could be an extra component factoring in.
Genesis, if you see this, I wish you the very best in your journey. I may see certain details a bit different than Caleb, but he laid out a solid plan to get going! If you can seek some help and really do this, the load that will lift off your shoulders and the resulting peace is something that can only be felt and not explained. When each of these cards gets its teeth kicked in by being paid off, you will sleep better, you will walk with your head up, and you will know that you persevered and conquered. Even more so when you have a full emergency fund in the bank.
Stay the course. You can do this! I'm excited to hear an awesome follow-up to your emotional but hopeful story!
Just halfway through right now. Hope you gave her a big hug at the end. She's probably the first one that seems like she needs it.
Rooting so hard for this girl and wishing her nothing but the best. Making bad financial decisions doesn’t make her a bad person and I hope she recognizes that change is possible. Compulsive spending is a very hard thing to overcome but I’ve seen it done and I hope she can find a good therapist who will both support her and encourage her to make better decisions.
what a wild ride. those spending habbits are insane!
i'm rooting for her
❤️❤️❤️❤️
I give her a lot of credit for realizing she had a problem, reaching out for help, and putting it out there for youtube to critique. She seems so stressed and I hope she really turns her habits around.
3 months ago caleb was pushing for 50k. I wouldn't be suprised if in the next couple of months caleb pushes for 250k subs!
I really feel for her! I hope she reads the comments and sees how much we are all rooting for her. I’ve been in her shoes with spending addiction behavior. For me it was (unbeknownst to me for years) a symptom of my ADHD. The spending floods your brain with dopamine, and that’s exactly what the ADHD brain is constantly craving. It still creeps up in me sometimes, but I’ve come a long way after years of struggle. Whatever her mental health reasons are, I hope she’s able to get help with it.
REALLY looking forward to a follow up with her down the road. Please keep us updated!
I’m so glad my high school finance class (did y’all know Dave Ramsey has a high school curriculum? lol) made me so terrified of credit cards because I have been in her position. Needing to borrow money, spending hundreds of dollars per paycheck on BS, not wanting to even look at shit concerning money…my mindset change is recent, but I never had financially stable parents so it’s not like I can ask them for advise lol. Caleb, these videos have saved me. Lifestyle creep had me a chokehold. I’m ready to stop renting, start a life with my partner, and I’ve put myself in this little tiny shitty box in the corner because I can’t do anything. I feel behind but with the way things have been going, I’ll be debt-free shortly. Thank you Caleb! And good luck with peace and love to the guest. I understand. I hope you can get the help that you need and deserve
This series is just so good man. UA-cam recommended it a couple of weeks ago, and I can't stop watching them. I was already doing pretty well financially, but I'm still learning things that I could improve on from these. Keep up the great work Caleb!
I feel bad for her, but she needs the tough love and the wake up call. She's young, she has time to fix all this, but it's on her. She definitely needs help, and she's taken the first step by taking this audit, but she needs a professional.
I couldn't disagree more. People throughout all of human history became adults without counseling. There is zero reason we need it now. I've been in her shoes with the added bonus of a raging drug addiction. I didn't need counseling to stop, I already knew what was wrong and how to fix it. I just needed to finally decide to quit acting like a child. This girl isn't dumb and doesn't need anyone to tell her what she should be doing. You can tell she already knew what was wrong by how she answered Caleb's questions. She just keeps taking the easy path of ignoring the problem.
@@okgroomer1966 you couldn’t be more wrong.
As much entertainment as this channel provides me, it always gives me anxiety for these people who are struggling. For once I actually feel like someone is expressing remorse for their situation. I am really really rooting for her and hope she can follow through!
I come here to hear the backlash I need, thank you for making me realize ! Your content is priceless and you are helping so many people
Stay strong and stay consistent.
@@christopherbownes494 thank you for the encouragement, I've got grit, I can do it!!
You got this!
Such a refreshing audit. No bs excuses. Ownership is key. Good luck, girl.
I started my financial independence journey when I was 26-27 years old. I wish I had someone like you when I was 20. Now I’m 34 and so grateful for everything that I accomplished. But not going to lie sometimes I wish it was sooner! ☀️
Oooo she needs to really be careful with a Macy's card. I had one for a while. I put a sweater on it to get a discount, I told the cashier I wanted to pay off the total that same day. But she was esl and I guess misunderstood and she just had me pay a first payment instead of the total, so there was $2 left on the card I didn't know about. Let me tell you! If you miss a payment they will take your ass over coals! By the time I got the letter in the mail saying I had missed a payment they had already charged so much in late fees that my $2 had turned into over $50. I paid it off and closed the account that day.
caleb is out here saving lives. she is so brave for coming on and i commend her for it! I believe she will turn it around after this. caleb was not forgiving and it's the wakeup call she needed. you got this!!
I love this channel so much. Finance issues are so hard and stressful because it’s so personal and you feel SO alone. Watching these people in similar or worse situations than me and thinking, “they can get out of this” makes me feel like I can do it, too. Thanks so much
Yes, lots of people don't learn anything about money from their family, and there's a lot of shame and confusion around debt. It's also not easy to figure out how or where to get help when the banks, CC companies and loan givers are all predatory and part of the problem.
This channel has put the fire under my butt to get things VERY clear and situated with my finances. I've paid off most debt (credit card and make sure that I pay it off EVERY month, car loan) over the last 3 years, but now I'm working on my graduate school student loans. I've been binging on these audits and I feel like I'm learning SO MUCH. Thank you Caleb. I've been sharing your channel with everyone I know!
My heart breaks for this girl. I really hope she is able to get the resources she needs to work through the bigger problem she is compensating for. She knows she needs help which is a huge milestone. I hope she can find a good counselor to walk her through this.
i honestly can really relate to her, i feel like i had very similar habits up until a year or so ago. the weight of this lifestyle is so heavy and overwhelming, and can truly cause you to just panic/freeze and completely block out any thoughts regarding finances. it’s a vicious cycle but i admire her so much for coming on. you’ve got this girl!!!!
She has to be one of the most self aware people I’ve seen on this show. I hope we see a follow up and that she’s doing better.
Hopefully she can come back on the show with a great follow up. Wishing her all the best!
Despite the failures of all your guests, I can't help but thank you for what you do, Caleb. It makes me sad that so many people are financially illiterate, and that their parents didn't teach them the value of a dollar. But better late than never, and I wish Genesis the best. She can do it. If she gets the help she needs, and sticks to your advice, she can do it!
Therapy
Meal prep
Gym membership
You got this 👊🏾
She said at the 39:00 mark, that she didn’t want to have fun during this and just stay inside and deal with it. I’d recommend not taking this strategy, it’s terrible for mental health and motivation. There are tons of things you can get into or find to do that don’t cost anything, and will keep you active and help pass the time. Go to your local parks, start playing a free/cheap sport locally, join some clubs in your community. Find ways to entertain yourself without spending money, and this will carry over to your future self once you’re out of debt, and help keep better habits.
She has so much potential! I’m really excited for her! I think she can do it!