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Caleb, these irresponsible people should not have their student loans forgiven. They don't deserve any handouts. You as a tax payer should tell these "adults" NO, pay your own loans, I don't want to participate in your stupidity. You signed up for it, not the taxpayers.
Especially since this lady can cook and there are 9 people in their house where 6 of them are ADULTS. The living there free without a job brother should be cooking up a storm all the time as a way to say thanks for keeping him not homeless.
And now she is tied to his parents' house too. Notice, how HE is on the deed? What about her? If they carry the risk together (plus they are married), they should both be on the deed - or he gets to carry the risk of the mortgage alone.
@@Nico6th this is why respectfully my partner wasnt on our tenancy for 8yrs as i couldn't risk him signing up and leaving, its my kids home before ours. Thankfully he didn't leave or anything. Been together 12yrs now. Shared tenancy expecting 3rd now.
And his parents live with them. Thats live in babysitters. Also, his parents can help with utility bills, insurance & real estate taxes. No reason to be so broke. But if you spend, spend, spend …….🙄 should be socking money away for retirement.
Totally agree...I always support anyone who says"no", never pressure to eat sugary foods, not trying to sabotage progress "just one won't hurt"-ugh...❤
I think that what he was trying to express is that he keeps himself in the dark because otherwise he'd worry himself sick and not be able to work. He's keeping his head in the sand as a survival strategy. The problem is that it isn't working because they're getting further and further into the hole with their credit card debt.
"we got hit by an 18 wheeler" "we were deemed at fault" As a trucker myself, there is a 0% chance you weren't fucking around if you were deemed at fault. Your language tells us you have trouble taking responsibility.
I follow a trucker here on youtube who posts clip after clip of people like them almost causing accidents. People assume just because a semi is a bigger vehicle the person is more aggressive in driving and has worse driving skills. As far as I understand, you guys have to rely more on *us* being good drivers because it takes a lot longer for the trucks to come to a stop/be maneuvered in general. I wish you safe travels!
Wait…can you please explain this? I’ve always wanted to know what the truckers on 95 think of and how they see other motorists. I’d honestly want to see an AMA w a CDL truck driver
Thank you!!! I drive a truck too and that was making me crazy. every time they talked about it, you can tell they still don't believe they were at fault. Like I'm sorry but your driving has to be pretty god damn egregious to be found 100% at fault in a truck accident. They don't need a safer car, they need to be safer drivers.
All the highly affordable camera set ups have really helped truckers and the industry... back 20 years ago you just paid out cause "You're the truck, you have to be better" but these people cannot drive in a manner to let a truck physically (like actual physics) fuction on a road. They were 1000% at fault and got given evidence as such or they'd still be trying to sue definitely.
@@SpoonHurlerYup. I am positive that law enforcement and insurance companies coined the term "professional driver" for the sole purpose of making their jobs easier and to generate more revenue from truckers. If they ever viewed us as "professionals" they would extend some level of professional courtesy or at least interact with us in a professional manner.
She can start selling her coffee and cookies at events with just a 6 foot table and a pop up. Vendor fees are usually fairly low for local markets, and food vendors (especially desserts) sell really well. Most of the dessert vendors I’ve worked with even sell out before the event is over. A food truck isn’t needed. Invest in branding and packaging instead.
My dad had the same mindset as this dad and was super lax about finances, didn’t want to stress over things, wanted to buy his children great memories. We had great Christmas and birthdays, but I also watched our family car get repoed from our driveway, watched him sell trucks and motorcycles after money fights with my mom, and experienced our family getting kicked out of our foreclosed home after they filed bankruptcy. Those moments were traumatizing. This dad doesn’t realize what harm he could put his kids through.
One of my good friends had a similar situation growing up...had all the latest toys and gadgets for Christmas but then didn't have any money for college and had to send money to her parents to survive as an adult. It's sad how some parents don't see the long term impact of those decisions.
I remember when these shows were 45 minutes. And a 1 hour was a sweet treat. But these 1h 30m videos… damn near feels like a golden ticket to the sweet treat factory every MWF
Who tf takes a women that's 8 months pregnant camping and has them sleep in a car and then complains that they dont like camping?! Dude is crazy selfish. Edit: People, my comment doesn't say she didn't have a choice. My comment is about him complaining and acting like a whiny baby about his pregnant wife not enjoying camping while close to giving birth.
At 38 weeks I was miserable just existing. I would have lost my mind if someone even suggested going camping. The sweat, pain, swelling, and braxton hicks contractions would have ended me.
@@hornetguy9063the only people who have ever said that with any semblance of seriousness are the ones completely oblivious to what it’s like being an educator. Just like most other trades, we ignore all the education, certifications, technical skills and knowledge needed. For example, when most go to a five star meal, we think “yum that was amazing”, and not all the years of training, crazy hours, and sacrifice needed to make it to that level. It’s easy to scoff about things we have little understanding of.
Some people convince themselves that CCs offer them more protection. Meanwhile both their cards are issued by the same company 😂 Mental gymnastics to stay in debt
@@KrystalAriif someone steals your credit card and goes on a spending spree, that’s the banks problem. You aren’t on the hook for any of it. In a debit card you are.
As a truck driver, what happened is that she changed lanes without looking. Terrifying position to put that trucker in not to mention it impacted their career. And then not own up to it. SMH
It's people like this that make me glad I drive a rig with an inward camera as well as an outward. My company has been faced with claims from insurance-frauding 4 wheelers, and the cases were open-shut--we have proof that you hit the vehicle AND that the driver wasn't distracted (usually their whole argument).
Commercial insurance adjuster here, if you’re owner/operator, get a dash cam. If you work for a company that doesn’t supply them, find a new employer. So many rear end accidents caused by ppl that don’t look and change lanes and the only saving grace is the dash cam because tractor/trailers cannot stop.
Inflation got worse because people subsidized life style inflation at 20 before having an income to support the debt. Basically the people crying created their own inflation and their own problems. No one wants to suffer through work for 10 years and they want all the toys right away
Definitely. We grew up with thrifted clothes and toys. We didn't have our own phones or tablets. And we didn't get vacation. But we felt loved and like we had so much.
5’3” 11 year old at 160 pounds needs “no” before he becomes diabetic. A two year old in a 4T is headed that way. A five year old with special needs will need extra help throughout school. They are not considering their children’s futures (financial and otherwise).
It’s so appalling how many couples with literal CHILDREN can be so irresponsible. If they had a 6 month emergency fund they could have survived the 4 months she was out of work.
Especially with a paid off home. If I understood that correctly. I missed a year of work battling cancer, spent four weeks in a coma. We came out fine.
131k combined income, and they own the house outright. These are gonna be some expensive asf taquitos. Edit: Further in the episode they clarify that husband is only partial owner with his parents. Even still they're not paying for the mortgage so they're living without a house payment/rent and still this much in debt with a 6 figure income.
my jaw actually dropped when they said they own their home. My husband extensively have talked over how much you gain living in a home that's paid off, like holy shit.
from the heart. I was awful with money and I still struggle, in one video, someone's situation was so similar to mine that every single one of Caleb's arguments felt directly targeted at me. (Not trying to be self-centered here) but a few days later, I started studying different kinds of budgets, created a budget plan and the momentary relief of years of stress just evaporated from the single fact that I KNEW where my money was and where I was in life. I have now almost repaid ALL of my debt and can, after 6 months, finally say, I'm doing good. Big man himself prolly won't read this but still - thank you Caleb. My life and my perspective on it, most literally took an entire turn for the better because of your videos and your incredible, INCREDIBLE ability to be honest and real with people regardlesss of how they might perceive you. Thanks.
@@The92Waffles well, mine just go into a pocket because I don’t do a purse or wallet/billfold (I USED to be addicted to purses). But they sit together and go into the pocket together. But, yeah, if I had no money in the bank, that would probably not be the case 🤣😂
Feel like every guy that is a s/o the last month or so has been terrible. The one guy not willing to compromise or sell his toys. The other one blaming his 37 year old wife when he is a giant man child.
In Buddhism we're taught that equanimity is one of the highest mental states we can achieve, but there is a "near enemy" of equanimity -- something that LOOKS like it but which is actually its opposite: indifference. This guy is very unwise and has fallen into the trap of thinking that saying "fuck it" is the same as transcending normal worldly concerns. He's indulging all of his desires and expecting other people to do both the emotional and the literal labor necessary to pay for it all. What a fool.
Caleb has definitively proven to me that managing finances is behavioral and not about numbers until you fix the behavior and rationalization problems. “So you are saying because we have debt that we can’t eat out?” Dude yes, eating out is like 5x as expensive. That’s a luxury if you care about not working till you are 75.
This is part of Dave Ramsey's philosophy as well; that's why they use "snowball" to get some small wins instead of the mathematically better "avalanche" method.
I've been eating out a bit more because of moving and woo boy even subs are a little too expensive! 😅 Now I remember why I spend the money on groceries instead and cook.
“When a wife has a loving husband. She is relaxed” SHES ABSORBING ALL THE STRESS. A math teacher? A mother of three? And she lives with her in-laws? Of course she’d feel alone! My heart and soul goes out to her. She deserves better♥️♥️♥️♥️♥️
What about her snide remarks about her children, her son's dangerous obesity, her refusal to take responsibility for anything ... tells you she deserves a better husband than the cuddle pillow next to her?
I was thinking the same thing. She married a man who not only ended up just becoming another child for her to care for but possibly added two more by expecting her to take on caring for his parents. And now his brothers too? I would be an absolute wreck. I don’t blame her for being a bit in denial. Even just criticizing her for “not liking camping” when she’s EIGHT months pregnant is insane.
She's not a mail order bride, she picked him. She's also Miss I forgot my debit card, matcha cookies are healthy, my child can't fit in a sedan because I've fed him to severe obesity and don't care about it. People tend to partner at their level.
"She does DoorDash because she likes sitting in the car in silence" is telling me all I need to know about this situation. Even her free time is spent bringing money in, just for her husband to buy bullcrap. She's also probably not left alone for a single second. Just a married single mother lmao.
His cockiness is what kills me. He's so uninformed yet thinks he has it figured out by choosing to not care. And he doesn't even recognize that he's pushing the boulder of debt the entire time. He doesn't want to hear any of it either. He doesn't even seem like a likable person. Atleast the wife is friendly and willing to listen, and is the one who's actually aware of all their finances. Isn't like she works less and has more time to be taking on the stress by herself. Guarantee he's one of those guys who does the bare minimum of childcare responsibilities too.
I want to give this guy some context on why not getting ahold of his debt is a bad thing. My dad was terrible with money. A couple of years ago, he passed away suddenly. Even though my parents had been separated for a decade, they were still legally married, and suddenly, my father's debts became my mom's responsibility. He lived his life perpetually in the red for the things he wanted, and now his wife and children have to deal with the consequences of that selfishness. I've never fully grieved the loss of my father because I am constantly angry about the position he left our family in out of his own irresponsibility. When you leave your family saddled with debt either due to death or disability, your kids will not care that you went into debt so they could eat out all the time and take vacations when they were younger. All they will see is the fact that you were too irresponsible to do the bare minimum of making sure your ducks were in a row just in case. Maybe you can handle the dollar amount, but that pales in comparison to the lack of respect that your family suddenly has for you when they are stuck filling the hole you dug for them.
Hard agree! My mom is the one who has been terrible with money and she became disabled and had to move in with me and my husband. She still couldn't get a handle on her finances with no rent or utilities to pay so she spent what retirement she had and is now in assisted living on Medicaid. She still cannot get a hang of finances and is having my sister buy groceries(she's fed 3 meals by the assisted living facility so I'm refusing to do this for her as I've helped her enough). It's beyond frustrating
It's wild that Caleb says take a cheaper trip or wait to travel, and all these parents are like, "dEPRIVE mY kIDS?" Dudes, your kids can make wonderful memories in a free city park.
My favourite memories with my grandparents were feeding the ducks down at a little park down the street from their house. I used to beg to go and have lunch at "the duck park". I live near it now as an adult and it's literally just a large grass patch that borders on a small bit of bush, with a creek running through it. Absolutely nothing special. Edit - sounds like Caleb has very similar memories, ducks and all.
Yeah and I bet the things they are paying for aren't even good for the kids!! Hyper processed food and mindless entertainment. Thanks for your contributions to society.
I am a Middle school teacher in Tx as well. The moment the STAAR test is done it’s typically “fill in” time the last month of school. I Taught my students about bank accounts, proper credit card usage, and getting more background info on the jobs they’re interested in via salary deep dives, possible federal taxes, etc. Shout out to Caleb😂
She's teaching math not finances 😂 and yes I know there's math in finance but I didn't learn shit about what a good or bad interest rate was in grades k-12
That's 27% interest after a year, whereas the 5% back is immediate, so it's not really apples to apples. Mathematically, it is better to use that card for the cash back compared to a debit card with zero cash back, as long as you pay it off quickly. Obviously, the issue is that they're not paying off their cards quickly, so they shouldn't be using credit cards at all. The cash back can be a psychological trick to get people to spend more and go deeper into credit card debt. When used responsibly though, it can be a positive thing, regardless of the interest rate on the card.
The size of their oldest kid is alarming. A 5'-3" 11 year old weighing 160 lbs is in the "severe obesity" category according to the CDC. It's much easier to deal with this by building healthy habits early on, rather than trying to lose the weight later in life. Please do what you can to set your kid on a good path.
This disgusted me more than their financial situation, taking their obese child to Chili’s instead of encouraging a healthier lifestyle. Such shitty parenting, it’s infuriating. She was concerned about not giving their children enough, so you make them sick by overfeeding them? Way to go.
I came to the comments looking for someone commenting on this. This is the saddest part of this whole video. Ruining your kid's financial future is one thing but also ruining their health is abusive.
He is so insecure. If he were a secure adult he’d realize that making memories with your kids requires time , attention, and imagination. It does NOT depend on going into enormous debt. Do you want your kids’ memories to be of your ignorance and irresponsibility?
We go for breakfast once a month so our son can play in the kids area. Before this we hadn’t gone out for more than two years. We also have 5 cats and 5 dogs so we make the decision not to eat out. We have the animals instead
This infuriates me people have no clue how good they have it. 100k household! And they can’t figure it out?? I’m figuring it out on 40k with twins in a one income household. Jeez
Same here, 50k with 4 kids. They've got 100k and don't have to pay rent/mortgage. They're so much better off than most households and they're just blowing all their money.
This show has REALLY opened my eyes. I now know I am not a “credit card person”, and I had my horrible past with credit cards - currently finishing a consumer proposal. Seeing how others justify stupid spending is like looking in a mirror and seeing a person I never ever want to be again.
Have any of you lived in the country? I lived with 5 people in a 5 bedroom house in the country and an apartment with one person in a city. The city was suffocating. I understand their situation
The idea of getting fast food every day, multiple times a day is just so disgusting to me. Cooking is a life skill everyone should know, even if you cook just basic, basic things. It's crazy how lazy and incompetent some people CHOOSE to be.
Her "time of the month" excuse is... wow. Yes, lady, I get some cravings too. I also 1) have self control 2) can buy a chocolate bar at the supermarket
@@jacksonsmith5490 That's only because teachers are forced to contribute to a pension for their retirement; not because they actually have the financial discipline to save and invest. Only financially disciplined and savvy teachers will have a pension plus other investments in retirement.
@@churrosquirrel im pretty sure about half the states in the country don’t require a personal finance course to graduate. This is ain’t about forcing the horse to drink, this is about the creek running bone dry💀
The debt isn't the problem. Their life situation isn't the problem. Inflation isn't the problem. Their attitude toward and beliefs around money are the problem. I guarantee you that if they had all their debt go to zero (let's say by some inheritance), they would just run up more debt over the next ten years.
Please don't get married then. If you think a bit of a mental barrier or simple ignorance when it comes to self-desires and the family unit is the cause for "DIVORCE HIM SO FAST" don't get married. People are not perfect, people show their shortcomings in many ways, at many different times in life. It's YOUR JOB as a PARTNER to assist them with learning and developing to be better. It isn't just "WHY ARENT THEY GOOD NOW!!!!!!!" Pretending that you NEVER said anything rash, ridiculous, or off the wall, is absurd and lucky for you it wasn't on a UA-cam channel millions watch. Have some perspective. If you aren't ready for that responsibility to yourself and your partner, it's not time to get married. And sure, if they don't want to listen or make any efforts towards progress, then speak to them about how that is having negative outcomes on your family, you, and themselves. Which, if not addressed, will start feelings of you wanting to move away from the marriage.
TBF, a parent's emotional state will directly impact their ability to be a good parent. What I think is wrong is the way that his kid's future overlapping with his poor decisions should affect his mental state as well. There are a lot of ways to improve your emotional and overall mental well-being without jeopardizing your family's future and stability.
@@ll2323lol pretty much. This is just what you have to choose from when you have another man’s child and expect the next guy to be replacement dad. Here’s the next guy
Oh my god. It didn’t click with me that this lady is teaching math to the next generation and she can’t even tell 5% cashback is less than 27% interest. Omggggg
It always really bugs me whenever the father of a house puts on an air of “I’m taking care of my family” and “To me peace and experiences are more important than money” when dealing with horribly irresponsible debt. Like dude, I promise you your children will not see it the same way once they’re of age to understand the situation you’re putting them in
For the life of me, I can’t understand how people like this constantly smile and think it’s cute that they’re in loads of debt throughout the entire episode… It literally couldn’t be me, man.
It’s a defense mechanism. Many people laugh/smile when they’re uncomfortable. If she’s autistic as she said she is, she’s masking a LOT so there are added layers to the discomfort. Outside of that, there’s probably a fair amount of cognitive dissonance/denial happening, stopping them from seeing the full picture
Libraries, city parks, local trails, state campgrounds, kiddie pool in the backyard, beach day trips, picnics, finger painting, city splash pad, local outdoor music, sledding hills, baking, cooking, home movie night The list goes on. Kids don’t need expensive activities.
Parents seem to forget that children are children, not idiots. I knew my mom would say yes to things she couldn't afford for me, so as a child I was put in the position of hiding things from her that I thought we couldnt afford (school yearbook forms, club t-shirts, etc). Parents financial irresponsibility puts stress on their children PERIOD and no amount of saying yes and credit card debt will hide it.
She can't manage money, amass savings to cover the business investments needed, nor amass savings to cover her current salary that she'll lose until the business succeeds. This is bankruptcy waiting to happen. Moreover, there have been at least 5 cafes like the ones she describes near me open and fail in 10 years. The biggest issue I've noted is the business owner doesn't pause to consider why the service industry is such a challenging work environment for folks with ASD-1 and other similar DX's. Being fast, accurate, social, and stereotypically social at that, are not the hallmarks of ASD-1, but they are of every service industry position. One café near me used volunteer high school students as free labor to help the paid workers with disabilities. Students have to perform 250 hours of community service between 6-12th grade to graduate. It worked put in paper, but not great in practice. Apparently, having half your staff work for free, and that half also being the quality worker half, builds resentment.
@@MissMosierable Average coffee shop fails within 5 years.... Which is crazy. I found that out right after i talked with an investor when I went to open my coffee shop.... I decided it wasnt worth the 150k business loan...
Having kids is not an excuse to be financially incompetent for the sake of “gotta make my kids happy”, so tired of hearing this from parents on the show. You know what your kid is also gonna like? having a parent that can support themselves and not leech off of their children when they can’t work anymore because they have no retirement.
Well and I call bullshit that kids need a ton of money spent to make them happy. You know what makes kids happy? Baking cookies. Playing at the pool. Playing uno. Watching a movie and eating popcorn. Going to the lake and playing in the sand with empty plastic cups. Playing tag on the playground. Kids need your time and attention far more than they need expensive things. They don’t care what car your drive or whether or not their shirt is secondhand or name brand.
The wildly uncomfortable moment when Caleb clapped back about him having the right to the property only because someone gave it to him. This guy is such a narcissist.
@@jamielivingston7765 I agree with you. His attitudes toward debt and money in general compared to his feelings/happiness were where I caught the post-modernist/socialist vibes. His causal nature to his land inheritance (coupled with his seemingly lack of concern for his risk with the property in the current state), was not where I was getting those vibes. Maybe another tact would be him being an MMT guy, but I didnt get that economics was a thing he was interested in.
$130K income with a paid for house and they can't make ends meet. They are both teachers and one of them teaches math. They seem very irresponsible. This is some serious dysfunction. It sounds like their parents are without a way to support themselves and it is just a big intergenerational mess. Why on earth buy a newer Toyota Highlander? You can get a decent used minivan for $15,000. Their situation is wild.
@@Dadbeard89 where are you looking for them at? Just a local dealership in person? I'm not trying to be sarcastic, just genuinely surprised. I scout on big aggregator websites, like CarGurus, Autotrader and like 5 more. Of course you need to be diligent to actually physically inspect the car and all the documentation, but it's legit. I've bought 3 cars in the last 5 years using that method, including a 250k miles Civic for $4,500 in 2021. I had to do pretty thorough maintenance myself, but I knew that would be the case beforehand. If you're not someone who can/wants to do that, I was also considering another similar Civic in almost perfect condition but for 7k. And to clarify, all the cars run fine and I haven't regretted the purchases, I've bought 3 because one was for my wife and I flipped one. Like sold for a better price flipped, not like an accident flipped. So what I did now was set filters and looked at photos/details of the cars. The going rate seems to be around 12-15k for those minivans, true, but a lot of seemingly legit options for 7.5-10k.
@@jacksonsmith5490 the husband drives a Camry, so it feels like an excuse than real reasoning. They also make lower profile car seats so you can fit 3 in a row.
I just can't handle these two. First I despise people with ZERO food service experience who want to open up a bar/restaurant/cafe and just speak about it like it would be so easy. It's gross, starting ANY business is very hard and has risk, food service is among the hardest and most competitive. These fools can't raise their 3 kids making 6 figures combined without having a mountain of STUPID debt. My husband and I make a combined 58 gross and raise our 3 kids and have less than 1k debt in a major metro area on the east coast. I usually have sympathy, I'm having a hard time finding any for these two. I hope this was a good wakeup call for them. Those kids deserve a future that doesn't involve taking care of their elderly parents
He doesn't want to pay rent again & lose the free babysitters. I can't say I'd blame him for not wanting to move if he can stand it. But I do blame him for everything else he chooses to do.
@@talyahr3302 I think you're right. He's basically just living at home still as if he was a child. Him and his worthless lazy brothers, just sitting around doing nothing while their disabled senior citizen mother takes care of them. When Caleb asked why the wife was doing Door Dash on the side and not him, the wife said "Oh because he's taking care of the kids at home". Bull-fcking-shite. That lazy bum is sitting at his little gaming computer playing games while the kids sit on the couch staring at iPhones. Guaranteed. Just overall such a sickening episode. Seeing a 40 yr old slob put zero effort towards his own family.
I love when Caleb digs into him because you can tell no one calls him out on his shit and then he sits there quietly afterwards. What an abhorrent attitude to have about debt. “My emotional state is very important.” Give me a break.
Lol my emotional state is very important. I bought that freedom by being financially smart. They could have that position if they listen to caleb but I don't get that vibe from him
Caleb glossed over the birthday party charge but it’s actually ridiculous. I understand the oldest was invited to the party… so you take him and leave the other 2 at home with the other parent. If for some reason that other parent isn’t available (which shouldn’t be the case for them since they are both teachers and not working on weekends) then ask one of the other 4 adults in the house if they are able to watch them for 2 hours. And even if that’s not an option… then take the 11 year old and drop him off! Parents aren’t required to stay at this age.
I caught this too. It sounded like the invited kid was being paid for by the birthday boy, because she said she only had to pay for the other two. LEAVE THEM AT HOME! I never went to my sister's friends birthday parties.
100% his family def has something to do with his laid back and no care attitude. That's why he doesn't want to move out from them, and you can tell that she's tired of it. I'm fairly certain they're making her do a lot at home. I'm also not excusing her behavior, because wow. Every bad decision making is an excuse.
How does she forget her debit card but always has a credit card? All my cards are in a wallet. My wife's cards are in a wallet, in her purse. Why are the cards all over the place?
So I did this by accident often, but I've made a point to be better. I would swipe to get gas then put that card in my pants pocket while I pumped. End of the day, pants and card go into the laundry pile. Next time I go to pay, my card isn't in my wallet, but the others are.
“I forgot the card” basically means “I didn’t have the cash on the debit card so I swiped the credit card instead and can’t take accountability because I know that was wrong but don’t admit it because then I would have to change”
@@FishoutaAnd they don't have a mortgage. Absolutely baffled that they spent money so unwisely. "I've been following Dave Ramsey for like ever" and you're a math teacher...and yet...
New viewer here. I've worked in the financial sector for 17 years now and something that really caught my eye was the light bulb moment at 1:30:39 when the husbands demeanor shifts and he gets it. Great job Caleb! Hope they do their part.
Some of my best childhood memories are playing in the backyard, game nights with my parents, watching movies etc…. You don’t have to spend a lot of money on trips and gifts to make your kids happy.
I hated trips as a kid. My parents stressed. We could only chill at home. The good memories are holiday parties at home, gardening, crafts, singing with mom and sis ...
I think if they would have said from the beginning that THEY MOVED in with his mom/step dad at their request - it would have been way easier on us to understand. 9 people in a house unless they are you and hubby and 7 kids sounds unbearable to me.
Hey Caleb love the video, I wanted to ask if you would consider implementing annual follow up videos series, I think it would spike a lot of peoples interest including myself to hear ab people’s financial journey from when you casting the video to where they are now
I actually really like matcha and an unsweetened matcha tea is certainly good for you. But just adding some matcha powder to sugary+fatty foods don’t magically turn them into healthy foods.
NEWS UPDATE: This just in - A San Antonio Man Says that 'Debt is Just A Game You Have to Play to Do the Things You Want in Life'. His Children and Wife Have Left Him, as They Said 'Our Lives Are NOT Games'.
I can tell this is a man who was given everything in life and is upset when he is called out that he really can’t afford it cause he’s just taking out debt for it 😂
Sounds like maybe the other kids are overweight too, since the two year old wears a 4T. Both of my kids have stayed one year ahead for clothing sizes, but they’re taller for their age and not overweight. It’s sad though when you don’t know how to give your kids healthier lives than you have. A lot of people try their best but they try to just restrict eating, or cut out treats. Personally I think the best approach is additive; serve more and more vegetables, and focus on having many colours of the rainbow on their plates. Not that my family does this perfectly. I grew up surrounded by unhealthy eating habits and it’s hard to get away from. But that’s the advice I’d give to families like this. Add more greens - and oranges and purples and reds. The kids won’t eat them at first and that’s okay. Just pack them up as leftovers for your lunch the next day, and try again tomorrow.
The toddler is overnight as well most likely. My son is in the 90th percentile and he turned 2 in Feb and wears a 2T but 3T in pants bc he's so tall. For her to be a 4T before turning 2 she'd have to be like... around 40 pounds I'm guessing? That's crazy. My son is heavy af. I can't imagine him weighing another 6 pounds.
Hi, special educator here. I hope she actually reads laws on hiring individuals with disabilities because JUST wanting to hire “high functioning” young adults with ASD could be seen as discriminatory under the Americans with Disabilities Act.
I seriously think people with "high functioning" autism already have jobs lol it's the people with more severe conditions that need help. She's not planning to save anyone
Why does she have to provide groceries for all 9? I'm still unclear on that. Why don't the others make their own food and they provide for their own family - the five of them.
As a tradesman, financing solar power while still having window units is absolutely mind-boggling. Could’ve spent half the cost to upgrade to central air.
She said there was an AC issue. I thunk they had central. It does. They switched to windows units over a new central system and justify it because of the solar. It's like when a guest buys a new $22,000 car instead of fixing a $900 fuel pump and justifies it because the new car will have less issues....
@@MattSezer I know. But I can promise you it’s a hell of a lot cheaper to hire an HVAC contractor and buy an ac unit+pay to have them run duct work. I also have boiler heat with central air.
Everyone is crapping on the husband, but she's just as selfish and delusional as he is. I'd be willing to bet she was at fault for the collision with the truck, as well.
The difference between good finances and poor finances isn’t about the situation, it’s about willpower. Perfect example in this episode, Caleb showing self-control and discipline by repeatedly rejecting even a single cookie to achieve his goal. Meanwhile, the guests continually tempted him saying “You can have just one cookie, it’ll be okay.”
I made mistake the other day 😅but what do we do when we make mistake we say oh ok how can fix this learn from it and move forward I don’t understand how people can just dig the hole 🕳️ bigger then say oh it not so bad the fact that have hole 🕳️ at all bad 😢stop digging and fill that hole 🕳️
It's also about the situation, but that's typically not the main factor. There are definitely people who simply don't make enough to cover their necessary expenses
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@@imacarguy4065womp womp
@@diegorios3661gay
its engagement bait and you've been caught dawg
Uh oh UA-cam police in the comments
Caleb, these irresponsible people should not have their student loans forgiven. They don't deserve any handouts. You as a tax payer should tell these "adults" NO, pay your own loans, I don't want to participate in your stupidity. You signed up for it, not the taxpayers.
When Caleb says don’t eat out… and guests equate that to they’re not allowed to eat… AT ALL is strange to me.
Especially since this lady can cook and there are 9 people in their house where 6 of them are ADULTS. The living there free without a job brother should be cooking up a storm all the time as a way to say thanks for keeping him not homeless.
I think it’s deflection
@@TheZanReviewsDEFINITELY! Then they get 300 for groceries in the budget portion and say they never spend that much in groceries 😂
I don’t understand the American obsession with eating out. Hundreds or even thousands of $ for unhealthy snacks and fast food?!
I have a decent pay and etill consider eating out a luxury
He looks like the kind of teacher when you ask “can I go to the bathroom?”, he responds with “I don’t know, can you?”
“It depends on how you define ______ “… so childish. King of excuses and deflections.
😂
I used to always say "not unless you let me" lol.
Teacher that has never been punched in the face before
More like , can i watch?
They make $131,000 together and they have no mortgage! And they cannot live within their means?!!! 😭
It’s crazy seeing how much they’re absolutely squandering their golden ticket to financial freedom.
They'd be the first people to say they don't make a living wage.
(Many people don't, but many people are also just like these people)
@@HazelnutDolphinSmirking the whole time.
That’s scary
@@MimiRAM0NEyeah 131k is 100% a living wage currently lmao. With children costs go up but they seem to just be extremely financially irresponsible
She’s a married single mom and doesn’t even know it 😢
yee, this dude seems so checked out. He would live in a gutter and let his neighbor manage his empty bottles. But hey, its about experiences.🤦♂
@@thedmdidit9842 literally id rather half the household income than have 3 kids and a man child
And now she is tied to his parents' house too. Notice, how HE is on the deed? What about her? If they carry the risk together (plus they are married), they should both be on the deed - or he gets to carry the risk of the mortgage alone.
@@Nico6th this is why respectfully my partner wasnt on our tenancy for 8yrs as i couldn't risk him signing up and leaving, its my kids home before ours. Thankfully he didn't leave or anything. Been together 12yrs now. Shared tenancy expecting 3rd now.
This is so true!!!!!
Making $128k/years with no rent or mortgage and not being able to live a great life without accumulating debt is insane to me.
And his parents live with them. Thats live in babysitters. Also, his parents can help with utility bills, insurance & real estate taxes. No reason to be so broke. But if you spend, spend, spend …….🙄 should be socking money away for retirement.
You can't out-earn stupidity. Stupidity is too powerful and will always win the math equation.
Because they're greedy Americans
I would be mad couponing like crazy
And these INDOCTRINATORS teach your children.
"so you're implying we shouldn't... Eat?" bro is financially and emotionally COOKED oh my GOD
Like a well done omelet.
Bro is acoustic🎉🎉😂
If he's cooked he can eat himself to save money.
Financially and emotionally, but sadly not culinaricly
I like how he also grabbed his moobs when Caleb did 😂
Dude should switch from teaching social studies to teaching P.E. with these mental gymnastics he’s performing
😀😀😀
🤣🤣🤣🤣🤣
😂😭🤣😭🤣
Best comment
Lmfaooo
The way Caleb showed self discipline by refusing the cookies set perfect example how to refuse WANTS. Way to go 🎉
You know he ate those after they left 🤣
Totally agree...I always support anyone who says"no", never pressure to eat sugary foods, not trying to sabotage progress "just one won't hurt"-ugh...❤
You can do it Caleb, cut the carbs to less than 25 per day and get plenty of protein. I've lost 75lbs saying no to delicious treats.
“I’m more valuable than the debt that’s there”
*makes wife be the one who has to stress about it.*
He’s the prize sister 💅
and doordash 😂
I think that what he was trying to express is that he keeps himself in the dark because otherwise he'd worry himself sick and not be able to work. He's keeping his head in the sand as a survival strategy. The problem is that it isn't working because they're getting further and further into the hole with their credit card debt.
They're a lesbian couple
D-bag extraordinaire.
"we got hit by an 18 wheeler"
"we were deemed at fault"
As a trucker myself, there is a 0% chance you weren't fucking around if you were deemed at fault. Your language tells us you have trouble taking responsibility.
I follow a trucker here on youtube who posts clip after clip of people like them almost causing accidents. People assume just because a semi is a bigger vehicle the person is more aggressive in driving and has worse driving skills.
As far as I understand, you guys have to rely more on *us* being good drivers because it takes a lot longer for the trucks to come to a stop/be maneuvered in general.
I wish you safe travels!
Wait…can you please explain this? I’ve always wanted to know what the truckers on 95 think of and how they see other motorists. I’d honestly want to see an AMA w a CDL truck driver
Thank you!!! I drive a truck too and that was making me crazy. every time they talked about it, you can tell they still don't believe they were at fault. Like I'm sorry but your driving has to be pretty god damn egregious to be found 100% at fault in a truck accident.
They don't need a safer car, they need to be safer drivers.
All the highly affordable camera set ups have really helped truckers and the industry... back 20 years ago you just paid out cause "You're the truck, you have to be better" but these people cannot drive in a manner to let a truck physically (like actual physics) fuction on a road. They were 1000% at fault and got given evidence as such or they'd still be trying to sue definitely.
@@SpoonHurlerYup. I am positive that law enforcement and insurance companies coined the term "professional driver" for the sole purpose of making their jobs easier and to generate more revenue from truckers. If they ever viewed us as "professionals" they would extend some level of professional courtesy or at least interact with us in a professional manner.
A house with 9 people and 5 dogs… that sounds like literal hell.
My next door neighbor has about 8 people and about ten dogs inside. You can imagine when all the dogs are barking inside. Im Sure, it smells amazing
I wonder if they’re pitbulls
@@bc9554 given none of her children have been eaten I doubt it
Sounds like a house full of people who are incapable of making *good* decisions.
@@LawrenceTimmedon't be dog racist
She can start selling her coffee and cookies at events with just a 6 foot table and a pop up. Vendor fees are usually fairly low for local markets, and food vendors (especially desserts) sell really well. Most of the dessert vendors I’ve worked with even sell out before the event is over. A food truck isn’t needed. Invest in branding and packaging instead.
This is such a good point!!
My dad had the same mindset as this dad and was super lax about finances, didn’t want to stress over things, wanted to buy his children great memories. We had great Christmas and birthdays, but I also watched our family car get repoed from our driveway, watched him sell trucks and motorcycles after money fights with my mom, and experienced our family getting kicked out of our foreclosed home after they filed bankruptcy. Those moments were traumatizing. This dad doesn’t realize what harm he could put his kids through.
You literally described my childhood. It was very unstable, damn near homeless, and traumatic. As a child you feel powerless.
One of my good friends had a similar situation growing up...had all the latest toys and gadgets for Christmas but then didn't have any money for college and had to send money to her parents to survive as an adult. It's sad how some parents don't see the long term impact of those decisions.
My goodness…
@SixthSenseSynesthete literally my situation. I love my parents to death but i send them a lot of money now
I don’t believe for a second that he’s doing any of this spending for the kids. It’s all for him.
I remember when these shows were 45 minutes. And a 1 hour was a sweet treat.
But these 1h 30m videos… damn near feels like a golden ticket to the sweet treat factory every MWF
I checked the length too. The longer it is the more unhinged it's guaranteed to be😂
Lmao. Glad to hear I'm not the only one.
Agree
Who tf takes a women that's 8 months pregnant camping and has them sleep in a car and then complains that they dont like camping?! Dude is crazy selfish.
Edit: People, my comment doesn't say she didn't have a choice. My comment is about him complaining and acting like a whiny baby about his pregnant wife not enjoying camping while close to giving birth.
I was looking for a comment saying this!! This guy is ridiculous, no wonder she didn’t have fun, that whole experience sounds awful!
@@kayleespeirs Right?! I would've refused to go if I were her. Won't catch me sleeping in a car a few weeks away from giving birth.
In Texas no less. We aren't even talking like in Michigan where it isn't as hot at night. Nope. In the easy bake oven of Texas. Lawd.
She should be lucky a man is even willing to take her and her kid in. Single moms should lower their standards and be appreciative
At 38 weeks I was miserable just existing. I would have lost my mind if someone even suggested going camping. The sweat, pain, swelling, and braxton hicks contractions would have ended me.
“But they’re matcha, they’re healthy!” Is so incredibly telling. Major props to Caleb for his self control. Hopefully they’ll take a lesson from him.
Definitely not sugar free 😂 she reassured him
lmao depends on how she made it, most people put hella sugar in their matcha so it doesn’t takes like grass
She was joking, obviously.
She's the same person to drink 12 doet cokes and say it's healthy no sugar
Can we not be weird about people eating food
These two are teaching children? A math teacher who doesn’t know her numbers and a social studies teacher who is oblivious to his own situation. Yikes
And you wonder why education is in the state that it’s in.
To be fair, the old saying is “those who can’t do, teach”
She didn't know that a Prius would struggle to fit her three growing children in the backseat. I'm still stuck on that
And they want their student loans forgiven by the tax payers 😂
@@hornetguy9063the only people who have ever said that with any semblance of seriousness are the ones completely oblivious to what it’s like being an educator. Just like most other trades, we ignore all the education, certifications, technical skills and knowledge needed. For example, when most go to a five star meal, we think “yum that was amazing”, and not all the years of training, crazy hours, and sacrifice needed to make it to that level. It’s easy to scoff about things we have little understanding of.
Homeschool your kids
Who leaves their debit card at home but has their credit card? Someone who knows the debit card would be declined
I leave my debit card at home and only use credit because a stolen credit card won’t end up costing me my actual money
@@Santa1936 Totally understand that, but that doesn't seem to be the logic this lady is operating on. It sounds like she's just...forgetting it??
Some people convince themselves that CCs offer them more protection. Meanwhile both their cards are issued by the same company 😂 Mental gymnastics to stay in debt
@@KrystalAriif someone steals your credit card and goes on a spending spree, that’s the banks problem. You aren’t on the hook for any of it. In a debit card you are.
@@philiam0420 but a Debit card requires them to know your PIN code.
6 figures, no housing payments, living paycheck to paycheck…… GOODNESS GRACIOUS
Like Caleb said it doesn't matter how much you make but how much you spend is the key
And they want their student loans paid for by tax payers.
You can't out earn a bad spending habit.
As a truck driver, what happened is that she changed lanes without looking. Terrifying position to put that trucker in not to mention it impacted their career. And then not own up to it. SMH
It's people like this that make me glad I drive a rig with an inward camera as well as an outward. My company has been faced with claims from insurance-frauding 4 wheelers, and the cases were open-shut--we have proof that you hit the vehicle AND that the driver wasn't distracted (usually their whole argument).
Commercial insurance adjuster here, if you’re owner/operator, get a dash cam. If you work for a company that doesn’t supply them, find a new employer. So many rear end accidents caused by ppl that don’t look and change lanes and the only saving grace is the dash cam because tractor/trailers cannot stop.
She feels safer in this current automobile in case she decides to share a lane with another semi.
I could tell it was their fault
The reason is she's a women terrible driver s
"Sometimes I have to be in debt to do the things I wanna do"
Caleb, please educate this man. Holy shit.
That's not a man. A man sacrifices his wants to support his family.
Great timing 🙃 just got on lunch 😉
Inflation got worse because people subsidized life style inflation at 20 before having an income to support the debt.
Basically the people crying created their own inflation and their own problems.
No one wants to suffer through work for 10 years and they want all the toys right away
lot2196 I agree but I don’t think the semantics really matter here
@@lot2196 Actually, a man gets his stuff together before making the life-altering decision to have a family.
Tell your kids no…it’s a lesson on consumerism vs spending time w them
Also, tell them no, and then help them figure out how to get there on their own (for their 11yo child).
Definitely. We grew up with thrifted clothes and toys. We didn't have our own phones or tablets. And we didn't get vacation. But we felt loved and like we had so much.
One of the best things my parents ever told us was NO. 💯 I'm thankful for them not spoiling us.
You gotta tell em noooo... You got to tell em No! Cause -Diddy- Kids like to party.
5’3” 11 year old at 160 pounds needs “no” before he becomes diabetic. A two year old in a 4T is headed that way. A five year old with special needs will need extra help throughout school. They are not considering their children’s futures (financial and otherwise).
It’s so appalling how many couples with literal CHILDREN can be so irresponsible. If they had a 6 month emergency fund they could have survived the 4 months she was out of work.
Especially with a paid off home. If I understood that correctly. I missed a year of work battling cancer, spent four weeks in a coma. We came out fine.
@@lot2196 God damn that sucks. I hope you are feeling well best wishes to you!
@@lot2196hell yeah! You made cancer your bitch!
YUP
It’s why I can’t have kids lol I am barely responsible enough for me 😂
All three sons still live with their parents, that says everything you need to know.
No wonder their own kid doesn’t want to move out of his grandparents house lol
Yes the lack of financial literacy is generational
How is it she never forgets her credit cards but manages to always 'forget' her debit card?
!!!!
100% this
@@mithicash1444 can you not put debit cards on apple pay? (honest q: I have Android and my bank card is on it)
@@mithicash1444so my debit card
@@mithicash1444 I don't have an iPhone so I don't know much about apple pay. Does it not let you add debit cards too?
My Samsung pay does.
131k combined income, and they own the house outright.
These are gonna be some expensive asf taquitos.
Edit: Further in the episode they clarify that husband is only partial owner with his parents.
Even still they're not paying for the mortgage so they're living without a house payment/rent and still this much in debt with a 6 figure income.
And they have 4 people living with them that could all pay like 300$ in rent.
@@kylebanks13 His parents own the home and his brothers aren't any less of their children than he is to be demanding rent.
@@joan1609 ahh sorry I misunderstood I guess
my jaw actually dropped when they said they own their home. My husband extensively have talked over how much you gain living in a home that's paid off, like holy shit.
@@serendipityhere2029 Yeeeeeah but just wait, they don't actually own the home, it's his PARENTS' home.
from the heart. I was awful with money and I still struggle, in one video, someone's situation was so similar to mine that every single one of Caleb's arguments felt directly targeted at me. (Not trying to be self-centered here) but a few days later, I started studying different kinds of budgets, created a budget plan and the momentary relief of years of stress just evaporated from the single fact that I KNEW where my money was and where I was in life.
I have now almost repaid ALL of my debt and can, after 6 months, finally say, I'm doing good.
Big man himself prolly won't read this but still - thank you Caleb. My life and my perspective on it, most literally took an entire turn for the better because of your videos and your incredible, INCREDIBLE ability to be honest and real with people regardlesss of how they might perceive you.
Thanks.
Congratulations! This is amazing
👏🏼👏🏼👏🏼👏🏼👏🏼
That's awesome! Good for you!
Yay!!!!! And same. Found him last week and feel so much better with a plan and an end of debt in sight!
She “forgets” her debit card A LOT!! Mine kinda lives with my drivers license.
She remembers that there's nothing in the account
in this thing called a wallet lol
@@The92Waffles well, mine just go into a pocket because I don’t do a purse or wallet/billfold (I USED to be addicted to purses). But they sit together and go into the pocket together. But, yeah, if I had no money in the bank, that would probably not be the case 🤣😂
The only thing I use my debit card for is the ATM.
I don't understand why it would have to leave her purse or wallet to begin with. That makes zero sense to me.
She's gifting diabetes to her kid. 160 Lbs at 11 is mad.
That's almost as heavy as my 27 yr old 6 foot husband. That's very bad
Think she said he was 5'3" too...
:/
I'm 40 and only 135 pounds :O
Im 23, shredded, 5'10, 146.......
They’ve ruined that kids life already
The dude is the most insufferable partner ive ever seen, literally could not care less about his family
Could not care less*
Feel like every guy that is a s/o the last month or so has been terrible. The one guy not willing to compromise or sell his toys. The other one blaming his 37 year old wife when he is a giant man child.
Couldn’t *** care less
In Buddhism we're taught that equanimity is one of the highest mental states we can achieve, but there is a "near enemy" of equanimity -- something that LOOKS like it but which is actually its opposite: indifference. This guy is very unwise and has fallen into the trap of thinking that saying "fuck it" is the same as transcending normal worldly concerns. He's indulging all of his desires and expecting other people to do both the emotional and the literal labor necessary to pay for it all. What a fool.
@@AndrewDobbsTXFool is such the perfect word for this guy.
Caleb has definitively proven to me that managing finances is behavioral and not about numbers until you fix the behavior and rationalization problems. “So you are saying because we have debt that we can’t eat out?” Dude yes, eating out is like 5x as expensive. That’s a luxury if you care about not working till you are 75.
This is part of Dave Ramsey's philosophy as well; that's why they use "snowball" to get some small wins instead of the mathematically better "avalanche" method.
Absolutely. 99% of financial problems are self-inflicted.
I've been eating out a bit more because of moving and woo boy even subs are a little too expensive! 😅 Now I remember why I spend the money on groceries instead and cook.
@FreePigeonIf true, then, most ppl aren’t planning and sacrificing enough.
@fredfinger7092 also like Dave's saying "personal finance is 20% knowledge and 80% behaviour"
“When a wife has a loving husband. She is relaxed”
SHES ABSORBING ALL THE STRESS.
A math teacher? A mother of three? And she lives with her in-laws? Of course she’d feel alone!
My heart and soul goes out to her. She deserves better♥️♥️♥️♥️♥️
What about her snide remarks about her children, her son's dangerous obesity, her refusal to take responsibility for anything ... tells you she deserves a better husband than the cuddle pillow next to her?
I was thinking the same thing. She married a man who not only ended up just becoming another child for her to care for but possibly added two more by expecting her to take on caring for his parents. And now his brothers too? I would be an absolute wreck. I don’t blame her for being a bit in denial. Even just criticizing her for “not liking camping” when she’s EIGHT months pregnant is insane.
@@trish1344No one forced her to marry him!!!
She's not a mail order bride, she picked him. She's also Miss I forgot my debit card, matcha cookies are healthy, my child can't fit in a sedan because I've fed him to severe obesity and don't care about it. People tend to partner at their level.
"She does DoorDash because she likes sitting in the car in silence" is telling me all I need to know about this situation. Even her free time is spent bringing money in, just for her husband to buy bullcrap. She's also probably not left alone for a single second. Just a married single mother lmao.
I’d rather be single than have a husband like this. He’s so passive
Yea
Smarmy 😢too
or her, self diagnoised autism lol they should both do each other a favor and find someone else
@@sdm1568what are you the woman in the video covering for your shitty husband 🙄
He’s worse than passive, he’s causing problems and then stepping back and making it her problem
Dude is so weak and nonchalant. I could never have respect for a husband who acted that way. He couldn’t care less.
Literally. How did he even have the energy to make any children? He probably just sat there while the wife did all the work. He's like a dead battery.
His cockiness is what kills me. He's so uninformed yet thinks he has it figured out by choosing to not care. And he doesn't even recognize that he's pushing the boulder of debt the entire time.
He doesn't want to hear any of it either. He doesn't even seem like a likable person. Atleast the wife is friendly and willing to listen, and is the one who's actually aware of all their finances. Isn't like she works less and has more time to be taking on the stress by herself. Guarantee he's one of those guys who does the bare minimum of childcare responsibilities too.
EXACTLY
I want to give this guy some context on why not getting ahold of his debt is a bad thing. My dad was terrible with money. A couple of years ago, he passed away suddenly. Even though my parents had been separated for a decade, they were still legally married, and suddenly, my father's debts became my mom's responsibility. He lived his life perpetually in the red for the things he wanted, and now his wife and children have to deal with the consequences of that selfishness. I've never fully grieved the loss of my father because I am constantly angry about the position he left our family in out of his own irresponsibility.
When you leave your family saddled with debt either due to death or disability, your kids will not care that you went into debt so they could eat out all the time and take vacations when they were younger. All they will see is the fact that you were too irresponsible to do the bare minimum of making sure your ducks were in a row just in case. Maybe you can handle the dollar amount, but that pales in comparison to the lack of respect that your family suddenly has for you when they are stuck filling the hole you dug for them.
This. ALL of this. 🙌💯
Thank you for sharing your experience! I hope he sees this!!!
Hard agree! My mom is the one who has been terrible with money and she became disabled and had to move in with me and my husband. She still couldn't get a handle on her finances with no rent or utilities to pay so she spent what retirement she had and is now in assisted living on Medicaid. She still cannot get a hang of finances and is having my sister buy groceries(she's fed 3 meals by the assisted living facility so I'm refusing to do this for her as I've helped her enough). It's beyond frustrating
Caleb should pin this comment. It is so valuable to hear this
@@MPPG663❤
Caleb with that cookie refusal modeling good behavior by flexing that willpower muscle he is always telling others to work on 👏👏👏
It's wild that Caleb says take a cheaper trip or wait to travel, and all these parents are like, "dEPRIVE mY kIDS?" Dudes, your kids can make wonderful memories in a free city park.
And there are free things for kids all the time! Libraries have passes. Zoos have free days. Parks are free - fun things don't have to be expensive!
My favourite memories with my grandparents were feeding the ducks down at a little park down the street from their house. I used to beg to go and have lunch at "the duck park". I live near it now as an adult and it's literally just a large grass patch that borders on a small bit of bush, with a creek running through it. Absolutely nothing special.
Edit - sounds like Caleb has very similar memories, ducks and all.
Yeah and I bet the things they are paying for aren't even good for the kids!! Hyper processed food and mindless entertainment. Thanks for your contributions to society.
Free museum tickets from the library!
@@molly_in_mkewhat zoo's have free days? Genuinely asking. Never heard of that.
I am a Middle school teacher in Tx as well. The moment the STAAR test is done it’s typically “fill in” time the last month of school. I Taught my students about bank accounts, proper credit card usage, and getting more background info on the jobs they’re interested in via salary deep dives, possible federal taxes, etc. Shout out to Caleb😂
You're doing more for those kids than most parents will and will forever be remembered as a favorite teacher for doing so.
Thank you for what you do!!!
I get 5% cash back. The interest rate is 27%. This is why the country is doomed with people like this teaching math to our kids.
The credit card companies are laughing their asses off at that comment
And they want their student loans forgiven by the tax payers. So they can do more stupid things because they were given hand outs in life.
She's teaching math not finances 😂 and yes I know there's math in finance but I didn't learn shit about what a good or bad interest rate was in grades k-12
That's 27% interest after a year, whereas the 5% back is immediate, so it's not really apples to apples. Mathematically, it is better to use that card for the cash back compared to a debit card with zero cash back, as long as you pay it off quickly. Obviously, the issue is that they're not paying off their cards quickly, so they shouldn't be using credit cards at all.
The cash back can be a psychological trick to get people to spend more and go deeper into credit card debt. When used responsibly though, it can be a positive thing, regardless of the interest rate on the card.
Big number big rate bro 😂@@nwinsto602
The size of their oldest kid is alarming. A 5'-3" 11 year old weighing 160 lbs is in the "severe obesity" category according to the CDC. It's much easier to deal with this by building healthy habits early on, rather than trying to lose the weight later in life. Please do what you can to set your kid on a good path.
and the two year old wearing 4T is WILD
This disgusted me more than their financial situation, taking their obese child to Chili’s instead of encouraging a healthier lifestyle. Such shitty parenting, it’s infuriating. She was concerned about not giving their children enough, so you make them sick by overfeeding them? Way to go.
The mom is large & makes cookies. The dad is lazy minded and doesn't care.
I'm a 5'4 30 year old woman and even I'm only 130lbs
I came to the comments looking for someone commenting on this. This is the saddest part of this whole video. Ruining your kid's financial future is one thing but also ruining their health is abusive.
He is so insecure. If he were a secure adult he’d realize that making memories with your kids requires time , attention, and imagination. It does NOT depend on going into enormous debt.
Do you want your kids’ memories to be of your ignorance and irresponsibility?
Mature is the word your looking for ..the wife in the blue shirt is immature
I find women always like to call a man insecure where it doesn't apply lol. What is this phenomenon 😂 but yeah more like immature.
“Duck genocide, it was incredible memories” 💀
I was looking for this comment. Had me dead.😂
My dad would take us to do the same thing. Great memories.
"The math isn't mathin"...to a math teacher😅
We go for breakfast once a month so our son can play in the kids area. Before this we hadn’t gone out for more than two years. We also have 5 cats and 5 dogs so we make the decision not to eat out. We have the animals instead
We loved the ducks at our university. RIP babies, we were stupid teens.
This infuriates me people have no clue how good they have it. 100k household! And they can’t figure it out?? I’m figuring it out on 40k with twins in a one income household. Jeez
Same here, 50k with 4 kids.
They've got 100k and don't have to pay rent/mortgage.
They're so much better off than most households and they're just blowing all their money.
its actually a 131k income household which is insane
This show has REALLY opened my eyes. I now know I am not a “credit card person”, and I had my horrible past with credit cards - currently finishing a consumer proposal. Seeing how others justify stupid spending is like looking in a mirror and seeing a person I never ever want to be again.
He looks like he’s wondering where they should stop to eat after this.
😂😂😂😂😂
😂😂😂100% truth😂😂😂😂
They live in a 5 bedroom house with 9 people and have the nerve to say it's claustrophobic living in the suburbs. These people are delusional
Ha! My exact thought. The acreage can’t make up for the insanely tight living conditions
With 5 dogs.
Have any of you lived in the country? I lived with 5 people in a 5 bedroom house in the country and an apartment with one person in a city. The city was suffocating. I understand their situation
@@rorycolgan Thankfully not
don't forget the 5 dogs
I'm always amazed by how many people think that eating out is the only way to eat.
The idea of getting fast food every day, multiple times a day is just so disgusting to me. Cooking is a life skill everyone should know, even if you cook just basic, basic things. It's crazy how lazy and incompetent some people CHOOSE to be.
Her "time of the month" excuse is... wow. Yes, lady, I get some cravings too. I also 1) have self control 2) can buy a chocolate bar at the supermarket
@@purpurina5663True. It'd also be weird to have a husband who saw my period as an opportunity to tempt me into going out to eat while broke.
@@loisavci3382 Weird to have a wife who claims she can't make decisions while menstruating
"The closest [food] to your house is in your refrigerator, [you cant afford to go out to eat]."
What a fucking slay 😂
You know we love our Couple audits!!!! SWEET TREAT TIME!!
me too!
Nothing I find more (insert TOS insults I can't say here) more than a man who puts his kids future at risk for his immediate selfishness.
They're the best
Sweet treat lol
Double Sweet Treat!
“Why did they never teach us XYZ in high school?”
Because these are the teachers, babes… it’s the blind leading the blind out there
On average, teachers are more likely to be millionaires than attorneys. The only jobs that beat them are engineers and accountants.
@@jacksonsmith5490in one single Dave Ramsey “study”
@@jacksonsmith5490 That's only because teachers are forced to contribute to a pension for their retirement; not because they actually have the financial discipline to save and invest. Only financially disciplined and savvy teachers will have a pension plus other investments in retirement.
don't make this about teachers
@@churrosquirrel im pretty sure about half the states in the country don’t require a personal finance course to graduate. This is ain’t about forcing the horse to drink, this is about the creek running bone dry💀
The fact that most of the people on here cant grasp that eating and going OUT to eat are 2 different entities is mind boggling to me .
Exactly. Go out to eat once a week? Doable.
Buying door dash and buying crap 5-6 days a week? No.
First world country problem. Then they all complain about being broke and eat the rich
Because they be doopid
"We save money, but we just don't use it to pay down debts." Buddy. If you spend thousands on credit cards and don't pay it off, you ain't savin!
The debt isn't the problem.
Their life situation isn't the problem.
Inflation isn't the problem.
Their attitude toward and beliefs around money are the problem.
I guarantee you that if they had all their debt go to zero (let's say by some inheritance), they would just run up more debt over the next ten years.
They are not going to change after this.
10? I’ll say they will be in worse shape in less than 5
Did he just say, "My emotional state is more important," implying that THAT is more important than his kids' future? 💀 I'd divorce him so fast.
Rip
To be fair, I could never be a teacher. Kids are awful these days.
Please don't get married then. If you think a bit of a mental barrier or simple ignorance when it comes to self-desires and the family unit is the cause for "DIVORCE HIM SO FAST" don't get married.
People are not perfect, people show their shortcomings in many ways, at many different times in life. It's YOUR JOB as a PARTNER to assist them with learning and developing to be better. It isn't just "WHY ARENT THEY GOOD NOW!!!!!!!" Pretending that you NEVER said anything rash, ridiculous, or off the wall, is absurd and lucky for you it wasn't on a UA-cam channel millions watch. Have some perspective.
If you aren't ready for that responsibility to yourself and your partner, it's not time to get married. And sure, if they don't want to listen or make any efforts towards progress, then speak to them about how that is having negative outcomes on your family, you, and themselves. Which, if not addressed, will start feelings of you wanting to move away from the marriage.
Lol I put my wife and myself over our.... Children -- lol that's why we don't have any. We prefer us!!
TBF, a parent's emotional state will directly impact their ability to be a good parent. What I think is wrong is the way that his kid's future overlapping with his poor decisions should affect his mental state as well.
There are a lot of ways to improve your emotional and overall mental well-being without jeopardizing your family's future and stability.
One of my mottos is “You get what you tolerate.” How on EARTH does she deal with this man?!?
She was just happy that someone would take a single mother.
...man?
@@canileaveitblank1476bro he may as well also be a single mom with moving in his entire adult family and not having them help with the bills.
she picked him, says a lot about her.
@@ll2323lol pretty much. This is just what you have to choose from when you have another man’s child and expect the next guy to be replacement dad. Here’s the next guy
She's a married single mom. He's like doing 20% of the mental and non-mental load in the house. He's sooo passive.
Oh my god. It didn’t click with me that this lady is teaching math to the next generation and she can’t even tell 5% cashback is less than 27% interest. Omggggg
It always really bugs me whenever the father of a house puts on an air of “I’m taking care of my family” and “To me peace and experiences are more important than money” when dealing with horribly irresponsible debt. Like dude, I promise you your children will not see it the same way once they’re of age to understand the situation you’re putting them in
His kids will be in the same place he is after bailing out mama.
"Not as much as you do."
Imagine some 20-something rando cares more about your family's finances than you do
Omg you're so right
For the life of me, I can’t understand how people like this constantly smile and think it’s cute that they’re in loads of debt throughout the entire episode… It literally couldn’t be me, man.
It’s a defense mechanism. Many people laugh/smile when they’re uncomfortable. If she’s autistic as she said she is, she’s masking a LOT so there are added layers to the discomfort.
Outside of that, there’s probably a fair amount of cognitive dissonance/denial happening, stopping them from seeing the full picture
Libraries, city parks, local trails, state campgrounds, kiddie pool in the backyard, beach day trips, picnics, finger painting, city splash pad, local outdoor music, sledding hills, baking, cooking, home movie night
The list goes on. Kids don’t need expensive activities.
Thanks, you reminded me of a lot of good times I had as a child
hiking or climbing
Parents seem to forget that children are children, not idiots. I knew my mom would say yes to things she couldn't afford for me, so as a child I was put in the position of hiding things from her that I thought we couldnt afford (school yearbook forms, club t-shirts, etc). Parents financial irresponsibility puts stress on their children PERIOD and no amount of saying yes and credit card debt will hide it.
People like this have no clue what opening a store is like. Don't do it, you'll never crawl out from under the debt.
She can't manage money, amass savings to cover the business investments needed, nor amass savings to cover her current salary that she'll lose until the business succeeds. This is bankruptcy waiting to happen. Moreover, there have been at least 5 cafes like the ones she describes near me open and fail in 10 years. The biggest issue I've noted is the business owner doesn't pause to consider why the service industry is such a challenging work environment for folks with ASD-1 and other similar DX's. Being fast, accurate, social, and stereotypically social at that, are not the hallmarks of ASD-1, but they are of every service industry position.
One café near me used volunteer high school students as free labor to help the paid workers with disabilities. Students have to perform 250 hours of community service between 6-12th grade to graduate. It worked put in paper, but not great in practice. Apparently, having half your staff work for free, and that half also being the quality worker half, builds resentment.
@@MissMosierable Average coffee shop fails within 5 years.... Which is crazy. I found that out right after i talked with an investor when I went to open my coffee shop.... I decided it wasnt worth the 150k business loan...
Especially with their current behavior
@@jcrazy9008 for real, but im so happy at the end that the husband seems to change his attitude, even if its just a little change.
@@jakemcdonald7748 5 years is longer than I would've guessed.
The dude becoming aware of his boobs after Caleb talking about his own has to be some of the funniest shit I’ve ever seen on this show
Having kids is not an excuse to be financially incompetent for the sake of “gotta make my kids happy”, so tired of hearing this from parents on the show. You know what your kid is also gonna like? having a parent that can support themselves and not leech off of their children when they can’t work anymore because they have no retirement.
yeah and spoiled kids tend to be more unhappy because instant gratification is actually really unhealthy.
“We got to make our kids happy now because they are going to be real unhappy when we move in with them at 65”
Yepm my parents are like this. I am actually planning on leaving them and finally live by myself. Hopefully my guilt wont kill me
This. I get wanting to give them what you didn't have...but I grew up homeless so the bar is on the floor
Well and I call bullshit that kids need a ton of money spent to make them happy. You know what makes kids happy? Baking cookies. Playing at the pool. Playing uno. Watching a movie and eating popcorn. Going to the lake and playing in the sand with empty plastic cups. Playing tag on the playground. Kids need your time and attention far more than they need expensive things. They don’t care what car your drive or whether or not their shirt is secondhand or name brand.
These people think they are way smarter than they actually are lol. Caleb humbling them is good stuff.
The wildly uncomfortable moment when Caleb clapped back about him having the right to the property only because someone gave it to him. This guy is such a narcissist.
The way he was talking gave off postmodernism vibes and/or socialist vibes.
lol, he's a little bit of an idiot, but the term "narcissist" gets thrown around way too much nowadays.
I think they didn't mention that he paid something to prevent the foreclosure.
@@RedBarronSTInheritance is not socialism. Quite the opposite.
@@jamielivingston7765 I agree with you. His attitudes toward debt and money in general compared to his feelings/happiness were where I caught the post-modernist/socialist vibes.
His causal nature to his land inheritance (coupled with his seemingly lack of concern for his risk with the property in the current state), was not where I was getting those vibes. Maybe another tact would be him being an MMT guy, but I didnt get that economics was a thing he was interested in.
I don’t understand why people think you have to go into debt to make memories with your kids.
Made an $11k payment to pay off my Honda CRV! Now just have $6k in student loans left! 🎉
Hell yeah! You got this!
Awesome job! You got this 💪
Great moves being made on a great car!!
Keep it up! 🎉
Awesome excited for you!
$130K income with a paid for house and they can't make ends meet. They are both teachers and one of them teaches math. They seem very irresponsible. This is some serious dysfunction. It sounds like their parents are without a way to support themselves and it is just a big intergenerational mess. Why on earth buy a newer Toyota Highlander? You can get a decent used minivan for $15,000. Their situation is wild.
I would be leaning heavy into stonks if I were these people (after all the debt was paid off, of course).
😅 yeah and he didn’t even have to do anything to get the house
I can see now why the American public school system is fucked up. These are the people teaching the next generation.
You can get a 2015+ minivan with under 150k miles in great condition for 7-10k.
@@Dadbeard89 where are you looking for them at? Just a local dealership in person?
I'm not trying to be sarcastic, just genuinely surprised.
I scout on big aggregator websites, like CarGurus, Autotrader and like 5 more. Of course you need to be diligent to actually physically inspect the car and all the documentation, but it's legit.
I've bought 3 cars in the last 5 years using that method, including a 250k miles Civic for $4,500 in 2021. I had to do pretty thorough maintenance myself, but I knew that would be the case beforehand. If you're not someone who can/wants to do that, I was also considering another similar Civic in almost perfect condition but for 7k.
And to clarify, all the cars run fine and I haven't regretted the purchases, I've bought 3 because one was for my wife and I flipped one. Like sold for a better price flipped, not like an accident flipped.
So what I did now was set filters and looked at photos/details of the cars. The going rate seems to be around 12-15k for those minivans, true, but a lot of seemingly legit options for 7.5-10k.
Family has no mortgage...then proceeds to finance a mini van at essentially the cost of a mortgage.
“My 11 year old is too obese for a normal car”
@@jacksonsmith5490 the husband drives a Camry, so it feels like an excuse than real reasoning. They also make lower profile car seats so you can fit 3 in a row.
And the 600 dollar payment on the other vehicle they bought for mom.
I just can't handle these two. First I despise people with ZERO food service experience who want to open up a bar/restaurant/cafe and just speak about it like it would be so easy. It's gross, starting ANY business is very hard and has risk, food service is among the hardest and most competitive. These fools can't raise their 3 kids making 6 figures combined without having a mountain of STUPID debt. My husband and I make a combined 58 gross and raise our 3 kids and have less than 1k debt in a major metro area on the east coast. I usually have sympathy, I'm having a hard time finding any for these two. I hope this was a good wakeup call for them. Those kids deserve a future that doesn't involve taking care of their elderly parents
"I don't want to move out" my guy there is 9 PEOPLE living In this house.
He’s such a mama’s boy as an adult it’s insane.
@@katieweber1109and his other brothers seem like they’re the same way.
It’s not even just his mama he straight up said he doesn’t want his adult brother to move out of the garage
He doesn't want to pay rent again & lose the free babysitters. I can't say I'd blame him for not wanting to move if he can stand it. But I do blame him for everything else he chooses to do.
@@talyahr3302 I think you're right. He's basically just living at home still as if he was a child. Him and his worthless lazy brothers, just sitting around doing nothing while their disabled senior citizen mother takes care of them. When Caleb asked why the wife was doing Door Dash on the side and not him, the wife said "Oh because he's taking care of the kids at home". Bull-fcking-shite. That lazy bum is sitting at his little gaming computer playing games while the kids sit on the couch staring at iPhones. Guaranteed. Just overall such a sickening episode. Seeing a 40 yr old slob put zero effort towards his own family.
I love when Caleb digs into him because you can tell no one calls him out on his shit and then he sits there quietly afterwards. What an abhorrent attitude to have about debt.
“My emotional state is very important.” Give me a break.
Lol my emotional state is very important. I bought that freedom by being financially smart. They could have that position if they listen to caleb but I don't get that vibe from him
I think his passivity is what she likes about him
Caleb glossed over the birthday party charge but it’s actually ridiculous. I understand the oldest was invited to the party… so you take him and leave the other 2 at home with the other parent. If for some reason that other parent isn’t available (which shouldn’t be the case for them since they are both teachers and not working on weekends) then ask one of the other 4 adults in the house if they are able to watch them for 2 hours. And even if that’s not an option… then take the 11 year old and drop him off! Parents aren’t required to stay at this age.
I caught this too. It sounded like the invited kid was being paid for by the birthday boy, because she said she only had to pay for the other two. LEAVE THEM AT HOME! I never went to my sister's friends birthday parties.
100% his family def has something to do with his laid back and no care attitude. That's why he doesn't want to move out from them, and you can tell that she's tired of it. I'm fairly certain they're making her do a lot at home. I'm also not excusing her behavior, because wow. Every bad decision making is an excuse.
How does she forget her debit card but always has a credit card? All my cards are in a wallet. My wife's cards are in a wallet, in her purse. Why are the cards all over the place?
She doesn't. It was a lie.
A lie or to hide spending from the husband, or not enough money in the account at the time
She’s lying she just grabs whatever card and has no interest in using credit cards properly
So I did this by accident often, but I've made a point to be better. I would swipe to get gas then put that card in my pants pocket while I pumped. End of the day, pants and card go into the laundry pile. Next time I go to pay, my card isn't in my wallet, but the others are.
“I forgot the card” basically means “I didn’t have the cash on the debit card so I swiped the credit card instead and can’t take accountability because I know that was wrong but don’t admit it because then I would have to change”
Every single couple audit makes me remember to appreciate my husband
$93k in student loans to be a math teacher and wants to open a coffee/cookie shop…. You cannot make this stuff up
Shout out to Kevin Samuels. You can't make this **** up.
@@barcster2003R.I.P. Uncle Kev ❤
She also thought they had about 70k in debt, when in fact, it is about double that. Not including student loans.
@@FishoutaAnd they don't have a mortgage. Absolutely baffled that they spent money so unwisely. "I've been following Dave Ramsey for like ever" and you're a math teacher...and yet...
@@Fishoutaholy 💩. I haven’t gotten that far yet but 🤯🤯🤯🤯🤯. With their income and no mortgage? Shiiiiiiiiiit, I’d be a millionaire in a decade.
New viewer here. I've worked in the financial sector for 17 years now and something that really caught my eye was the light bulb moment at 1:30:39 when the husbands demeanor shifts and he gets it. Great job Caleb! Hope they do their part.
A thought just occured: are these two teachers not afraid of what will inevitably happen when their students get a hold of this video..?
I feel like their colleagues are more likely to stumble on it. They do use fake names tho
@@0HxB0Y Whoever stumbles upon it, it would not be a secret for long...
Idk how many 7th graders are watching financial audit lmao but good for them if they are
@@CamilleMckenna-oq8ie It takes only one person from their school who knows them for it to spread like wildfire
This is how I feel about everyone who comes on this show. What happens when coworkers and family see your episode?!
Some of my best childhood memories are playing in the backyard, game nights with my parents, watching movies etc…. You don’t have to spend a lot of money on trips and gifts to make your kids happy.
I hated trips as a kid. My parents stressed. We could only chill at home. The good memories are holiday parties at home, gardening, crafts, singing with mom and sis ...
Them: We don't want to move to the city where people are so close.
THEY LIVE IN A HOUSE WITH 9 PEOPLE?
To be fair it's 4 extras in another part of the house.
I think if they would have said from the beginning that THEY MOVED in with his mom/step dad at their request - it would have been way easier on us to understand. 9 people in a house unless they are you and hubby and 7 kids sounds unbearable to me.
and 5 dogs
Hey Caleb love the video, I wanted to ask if you would consider implementing annual follow up videos series, I think it would spike a lot of peoples interest including myself to hear ab people’s financial journey from when you casting the video to where they are now
All those “good for you” matcha cookies got their son to 160 pounds at 11…
I actually really like matcha and an unsweetened matcha tea is certainly good for you. But just adding some matcha powder to sugary+fatty foods don’t magically turn them into healthy foods.
They're unhealthy in so many ways. In mind, body, and spirit.
@@Pustulyou haven't tried the green crystal m3th
nobody is commenting on the 2 yr old being in 4T clothing… holy shit
@@claireshields4079that part was insane
"I have to be in debt to..." has to be the worst way to go on about life
You don’t understand, I NEED to be in debt in order to lose credibility and lower my credit score… how else can I possibly achieve such a thing?
House and maybe car or business expenses are exceptions, but damn right.
NEWS UPDATE: This just in - A San Antonio Man Says that 'Debt is Just A Game You Have to Play to Do the Things You Want in Life'. His Children and Wife Have Left Him, as They Said 'Our Lives Are NOT Games'.
Why Do You Type Like This
@@roman7954 Have you ever tried doing it? It takes FOREVER. I replied to someone who typed like that, and I said, "Never again." 😂
@@gingerleamcwow435that’s a you-problem. it takes two seconds if you know how to click a few change-case buttons
@@roman7954it’s a parody of a headline… which typically have every word starting with a capital
Sums up most people in San Antonio honestly 😂
I can tell this is a man who was given everything in life and is upset when he is called out that he really can’t afford it cause he’s just taking out debt for it 😂
Why do they almost sound proud that their 11 y/o is 160lbs? Not loving that. That’s my height and he weighs over 30lbs more than me. :(
Right?! Medical debt will be added next if not careful.
Well on track to play offensive line. Kid will get drafted 1st round and will be able to pay off all their debt
Sounds like maybe the other kids are overweight too, since the two year old wears a 4T.
Both of my kids have stayed one year ahead for clothing sizes, but they’re taller for their age and not overweight.
It’s sad though when you don’t know how to give your kids healthier lives than you have. A lot of people try their best but they try to just restrict eating, or cut out treats.
Personally I think the best approach is additive; serve more and more vegetables, and focus on having many colours of the rainbow on their plates.
Not that my family does this perfectly. I grew up surrounded by unhealthy eating habits and it’s hard to get away from.
But that’s the advice I’d give to families like this. Add more greens - and oranges and purples and reds. The kids won’t eat them at first and that’s okay. Just pack them up as leftovers for your lunch the next day, and try again tomorrow.
The toddler is overnight as well most likely. My son is in the 90th percentile and he turned 2 in Feb and wears a 2T but 3T in pants bc he's so tall. For her to be a 4T before turning 2 she'd have to be like... around 40 pounds I'm guessing? That's crazy. My son is heavy af. I can't imagine him weighing another 6 pounds.
Yeah it’s rough to hear that as someone that’s 5’3.
One week the guests are selling their coffee cart business, next week the guests are starting one up 😂
They should connect 😍😂 a little networking- session guided by caleb who s probably having a heart attack after that.
The cycle continues…
Hi, special educator here. I hope she actually reads laws on hiring individuals with disabilities because JUST wanting to hire “high functioning” young adults with ASD could be seen as discriminatory under the Americans with Disabilities Act.
Don't worry, the pipe dream will never happen
Ugh more government bureaucracy. But good point.
I seriously think people with "high functioning" autism already have jobs lol it's the people with more severe conditions that need help. She's not planning to save anyone
Why does she have to provide groceries for all 9? I'm still unclear on that. Why don't the others make their own food and they provide for their own family - the five of them.
As a tradesman, financing solar power while still having window units is absolutely mind-boggling. Could’ve spent half the cost to upgrade to central air.
She said there was an AC issue. I thunk they had central. It does. They switched to windows units over a new central system and justify it because of the solar. It's like when a guest buys a new $22,000 car instead of fixing a $900 fuel pump and justifies it because the new car will have less issues....
If you have radiator heat, it’s not that simple to get central air. Very common in the northeast, although I’d imagine a lot less in Texas.
@@MattSezer I know. But I can promise you it’s a hell of a lot cheaper to hire an HVAC contractor and buy an ac unit+pay to have them run duct work. I also have boiler heat with central air.
“But what if I forget my debit card?” M’am, you can put debit cards in your Apple wallet.
Everyone is crapping on the husband, but she's just as selfish and delusional as he is. I'd be willing to bet she was at fault for the collision with the truck, as well.
@@mikesanders8621 his voice is more annoying and he's more evasive. double whammy.
Yes, I wear my debit card on my wrist with my very old but still working Apple watch.
LOL @ college funds and retirement being 'hypotheticals'. The husband is coping so hard.
Seems like lots of the guests on this show are anticipating student loan forgiveness and free college
Not coping, just plain old evading
This guy is emotionally exhausting. How are either of these two teachers? Terrifying.
The difference between good finances and poor finances isn’t about the situation, it’s about willpower. Perfect example in this episode, Caleb showing self-control and discipline by repeatedly rejecting even a single cookie to achieve his goal. Meanwhile, the guests continually tempted him saying “You can have just one cookie, it’ll be okay.”
I made mistake the other day 😅but what do we do when we make mistake we say oh ok how can fix this learn from it and move forward I don’t understand how people can just dig the hole 🕳️ bigger then say oh it not so bad the fact that have hole 🕳️ at all bad 😢stop digging and fill that hole 🕳️
100% was going to point out the insane willpower
It's also about the situation, but that's typically not the main factor. There are definitely people who simply don't make enough to cover their necessary expenses
@@kellyspaghettti agreed, but also there’s a reason why most people who win the lotto end up blowing it all within a year.
And they’re both fat
Imagine paying $80k in payments for a minivan after 72 months.
OWCH!
and whats crazy is they had a camry this whole time
Yes!!!
I read the title as "Wife Forced To Deal with Chuck's Husband" and was like, who the hell is Chuck? LOL.
One of the free loading other adults in the house?
Dang they already changed the title? Saw it as she's the man in their relationship
It said witch instead of with when I clicked on it 😂
Reading is hard
@@777Revolutionary Someone is angry for no particular reason.