She's Going To Die In Poverty | Financial Audit
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- Опубліковано 13 чер 2023
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It's an absolute crime how much we get to hear about Caleb's dog and how little we get to see it
I say he does a financial audit of his doggo… how much money are you spending on treats?!?
I just started the episode and was thinking the same thing 😢
agreed
For real, we deserve more dog content.
I second this comment. Caleb, what gives?
“I’d give myself a zero.”
What?! A person with self awareness?! She’s going to be fine if she can be that honest. Rock on, Dani!
Depressive episodes tend to make you more realistic and self aware than everyone else, they also limit you from having hope for the future and make it difficult to make goals, especially if you are unsure you're going to survive them.
2 checking accounts with a negative balance, multiple debts in collections, and making poverty income. Your right she'll be just fine as long as she's self aware.
People in her same situation are like I'm a 4 lol
honesty means nothing its action that matters.. I retired very early hung out in bars why not. peoples asked what i did surf porn and goof off . thay asked how i did it..i saved and invested never touched them.. Their response was well i could have done that but none had a plan and was doing it excuses. excuses are depressing to hear.then asked for a free drink...nuts.. actions matter the rest is garbage
I think she has more to work out with herself that will take more than just being self aware.
This girl has started treating her bi-polar, is facing her financial situation, is maintaining a relationship and is in the neonatal stage of her own business. Dani is a badass!
Right off the bat, why did Caleb asking “is it safe? Are you safe?” Get me right in the heart
Well, Caleb's financial audit videos have become my "listen to while working" playlist.
Thank you!
Same
same haha! That’s what I’m doing right now.
Same!
Same lol, my PC is on the side watching the video with audio on and my work laptop is right beside me
This guy is swiftly becoming a national treasure. He’s honest in his evaluations and compassionate when dealing with real life struggles. To immediately ask her if she’s safe in regarding housing isn’t something that we see much of this day.
He’s a good dude. You can tell
Protect this man at all costs.
I noticed that as well and was really touched. It was really genuine and kind. Good people, for sure.
What difference does it make? He can’t do anything about it.
@@blessings4lifeIf she wasn't safe then he would factor that into the budget and figure out how she could move to a place she is safe.
I love the way Caleb says ‘we’ instead of ‘you’ when describing a bad situation/decision.
It shows empathy and gets us all invested.
Yes. ‘We’ are not doing anymore bullshit spending!
It's also cause he's admitted he's been in a similar situation and he's trying to help them understand that they're not the only one who has to give up frivolous things to get back on track.
He's the best!
Yeah he is now like my consciousness
Talking openly about finances and mental health. Holy sh*t this channel is refreshing
Yes! I love how Caleb handles issues of mental health in these vids, & how he and guests bring attention to their correlation.
She seems so sweet. I wish her the best. She's in treatment and seems willing and self-aware.
MaiI I 1
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Coming on this show and openly admitting a mental health struggle that's tied to your financial situation is extremely important and brave. She's on a path to a brighter future now with medication therapy and a financial plan, good luck to her!
Absolutely
Kudos to her, wish her the best!
I hear these stories and I am moved to have more compassion for people.
@@treasuretim3It's very easy to dismiss something when it hasn't affected us personally, or when our lives have taken a different path. It's also very easy to assume the worst about people. Those people know as much about your life as you know about theirs: basically nothing.
It's everything and everyone's fault. Take the L and say your a ding dong. If you pulled this anywhere else on earth, you would be digging for food at a dump near a slum.
Honestly.. she’s so much more honest and self-reflective than most guests. Most guests deserve their situation.
Wym she literally blame her collection on mental health just like everyone in this generation
@@goynwa7110 You have no idea how hard bipolar disorder is.
@@goynwa7110yea and she took action, saw a doctor, and got on medication. Idk man I'm rooting for her
But is she gonna act on it though? I feel like no
@@goynwa7110 listen, credit companies deserve people not paying them back lol. She’s here, she’s paying what she can and holding accountability
Is it just me or is Caleb the NICEST HES EVER BEEN in this episode????? I think the fact that she is accountable of her actions is what he respects vs others that justify their actions and deny any wrongdoing.
Yup and she really wants to change you can see the desperation in her face
Hopefully it will work out
It probably also helps that there's not a whole lot of BS spending from her and she's worked to fix her mental health which was causing a lot of strife
@@deeznutz8320is this a joke or not supposed to be funny?
Use Libby instead of Audible! You can borrow tons of quality audiobooks connected to your library card. You get them for 2 weeks at a time and can always renew if no one's waiting for them. Libby is a lifesaver on my commute. Wishing you the best on your financial journey.
Yes! I love Libby!
I listen to about 125 books a year. FREE!!! I can check them out for 3 weeks. A friend buys me an Audible subscription every year, and anither friend gives ne the free credits he gets from a credit card, so I use those for books my libraries don't have or that have endless waiting lists.
Libby is a money saver. No over due fines. One year I was up to $100 in fines.
She has legit mental health struggles, doesn’t use them as an excuse, owns her mistakes and wants to grow from them. One of the most hopeful episodes i have seen i am really rooting for her!!!! Please stay on your meds my friend, I’ve seen too many people fall off and continue down the rabbit hole but it seems like you’re really doing the right things to recover!
She’s doesn’t use them as a excuses?
@@fecker_asf653Admitting that past bad decisions were in part a result of being in a manic episode of bipolar disorder is not using them as an excuse. I have a friend with BPS and when she is manic she thinks everything she's doing is reasonable but often she's not.
She admits she messed up, has gotten help to correct the issues that led to her messing up and wants to move on and be rid of the consequences of past mistakes
She at no point said "Well I was manic so that's why I did this and it doesn't matter let's just fix it"
@@NyxHunter I have bipolar disorder and ADHD I’ve had it since the 3rd grade been on medicine since I’m 22 now I’ve never had issues with money grew up in a crappy neighborhood and I taught myself everything I know about credit cards and budgeting I’m just saying I don’t think there was even a reason to bring it up most the time when people find out there surprised.
@@fecker_asf653omg here we go with the 'I also have blah blah but I didn't blah blah' NO ONE CARES. SHE'S NOT LIVING YOUR LIFE IN YOUR BODY
@@salmaabdullahgb out of respect for Caleb I choose to ignore your dumb ass comment 😂
This girls the sweetest thing in the world. I just wanna hug her. Such an innocent demeanor. Hope she does well and builds an awesome clientele in her grooming business!
It's a good skill to have. Plus, you spend your day with dogs!
This girl is eligible for food stamps. Caleb, you should talk to guests who fall below the poverty line about snap benefits
Also Medicaid
In my state she's just above the cut off, which is around 1300
I love how Caleb is so open about mental health. ❤
Sadly he has to be. As a family member of someone who has bipolar, it's the cause of her spending and you can track her manic episodes exactly with her spending habits.
Ooooof. Statute of Limitations on debt (written contracts) in Oklahoma is 5 years. Starting to pay those debts 6 years later was a horrible move financially, though of course that's what keeps collections companies in business. They probably bought that (formerly) time-barred debt for two cents on the dollar.
EDIT: Definitely double check how to properly negotiate with collections. What they will try to do is take your half and say you can pay the rest later. Get it in writing that, by accepting your payment, they will close the account and either delete it or mark it paid in full, and do not make any payments until you have a letter from them saying as much.
Save your money for a bankruptcy lawyer. It's been long enough. Either live with the charge-off or clean sweep,
It's illegal for them to hound you after the statute of limitations is up. You can sue them and win. I've done it years ago. Few hundred for a lawyer, gained me 1200 from the collections company.
@@anncromarty2590not if you make a payment willingly. If you wait 5 years in her state without payment they cant hold it anymore. If you make a payment 4 years in, you just screwed yourself for 5 more years
Worst case is they’ll take your state tax return, but they don’t count it as a voluntary payment counting toward the statute of limitations.
I’d love to see the follow up with her. She took responsibility and for that reason alone I’m rooting for her. I just wanna see a follow up with someone on track with Caleb’s advice.
I about cried when she said she started making payments on her debt...
Like dang, they got her.
Scumbags 😭
I feel terrible for those with bipolar, seems like it can really take a toll on your health and finances. I'm glad she's getting on top of it though, best of luck!!
I’m diagnosed. It’s super hard dude it’s a killer depression manic spending and loss of reality unless medicated
@@shelloiluk I feel for you, it sounds super difficult. I hope you are in a good/better spot than you've been
I have some friends with bi polar and the manic can be far worse than the depressive episodes for this reason. It's a really terrible disease and not something anybody wants. I thank God everyday I don't have it.
@@LostRams thanks yes medication private healthcare and private therapist.luckily I earn over 250k a year so I can correct any bad spending very quickly. Luckily
@@shelloiluk keep on fighting, that's really great you're getting the help you need.
Caleb has us trained, it's 11 a.m. on a Wednesday, we all know it's time for a Financial Audit
You’re the best!
I now plan my lunches around it 😂
Fr I just sit at work waiting for the notification 📣
@@CalebHammer 11pm where I am at, but still waiting for it every Mon, Wed and Fri!
Different in australia! It’s there when I wake up on a Thursday lol
Caleb, I find you so compassionate in this episode…reflective of a “client” who seems to genuinely want a better, more secure financial future with her improved mental health.
I was so overwhelmed with finances in my early 20's after losing a job, and I understand how it's so easy to just ostrich and hide your head in the sand. I'm so proud of her for facing the mess, and owning up to the mistakes. Good discussion, Caleb.
I spit out my coffee at “p#nis systems” 😂😂 Anyways it’s good she’s getting help for her mental illness. Hopefully she can get that income up as she doesn’t have a lot of debt compared to the other people that have been audited
Lol Caleb's double take at PNS! 😂
Caleb was not surprised they said their score is 0, he was surprised because finally someone gave an honest score for once without padding the number lol
Why are you assuming her pronouns are they/their? Lol
@@thecommonsensecapricorn it’s a mind virus
@@thecommonsensecapricornis gender neutral without knowing pronouns it's the best option.
@@thecommonsensecapricornif it has purple hair, best not to misgender. I agree with the use of they
@@mortalhordewarrior9285re you calling them an it or just referring to their hair?
I was waiting for an episode like this. I did exactly what Caleb described here. From 18-20 during my heroin addiction I racked up $6k in credit card debt. By the time I was 27-28 it all fell off my credit report, I had gotten clean, and those same companies I owed money before were giving me new cards, which I used to build my credit from 500-800 now at 30 years old. It is possible to change your life if you’re ready to put the work in. At this point I can get any loan, I have $20,000 in credit at my disposal and I’d never for the life of me not pay off a card right away. Get those rewards and use them for fun!
Dang! How did you get up to 800? I have been perfect on my accounts, low credit usage, and I can't seem to crack 770. I have been in the 760s for a couple of years. I just can't seem to go higher.
@@melynn44 low key cheating lol. I couldn’t crack 770 for years as well but I knew my parents had 800 credit scores, I begged them to make me authorized users on a couple of their giant credit account, that’s what finally tipped the scales. I also say 800 roughly I dip up and down from the 790s-800 month to month.
I also racked up CC debt in my early 20's and didn't realize how irresponsible I was being. I'm almost at the 7 year mark and I'm so motivated to not mess up my score again and take advantage of the fresh start.
@@edaj1990 only advice I would give man, is just be diligent. You really can build your credit back to a place where it can serve you. What I do is anally pay anything I spend on a card almost Immediately, do this and you’ll be just fine. 👍🏻
Up the but eh
This was exactly me about 15 years ago - extreme lack of income and nearly everything in collections (except credit cards). I'm still living in excessive poverty because I'm too disabled to work outside the home, but I've gotten 1000% better paying my monthly commitments in full and on time and I have zero in collections currently.
I hope Danny gets things on track. She has some time on her side and I truly feel she has the potential to get to the point where she can focus on her goals by the time she turns 30. Don't be discouraged, girl - take the few years of restriction and give yourself DECADES of living better!
I hope you can draw disability and all the programs you can find. You probably have checked out the food banks and medical programs. Good luck, I know you must be struggling in our economy.😢😢
@@lindajohnson. Thanks. It IS hard, but because I am debt free and keep things simple, I do think I'm doing better than others in similar circumstances.
You’re in poverty bc your country prefers profit over helping its vulnerable 🤢
This poor woman needs a better paying job. She’s so sweet and self aware, I really hope things work out for her
So so so glad she has help. Bipolar is no joke. A loved one of mine battled with it. Could not stay with a job and a place to live. She ended up not pulling through. She was 38. In my prayers ❤
I'm so sorry for your loss. ❤
This channel has opened my eyes. I’ve seen Dave Ramsey and others but the Financial Audit series is eye opening. I’ve subscribed and liked all his videos as I watch them. The fact that he is okay with mental health and gym expenses is unique. I’ve seriously considering find some after I figure out a budget. Caleb keep up the work. Thank you!
Fully agreed 😊
Yeah, boomers don't even like to admit that mental health issues exist let alone treat them.
Caleb always makes me doubt on the stability of my relationship 😂 "No matter how happy and solid you guys are, things always go south"
It’s because Caleb is on hinge premium plus plus deluxe and he’s had no luck 😂. Imagine dating someone and you catch him going through your phone but it’s because he’s reading your bank statements not accusing you of cheating. Gas station taquitos??? How could you do this to me
He doesn't say they will go south, but that they can go south.
@@Phuhcoughtbf, when he brings it up, it's people who are financially dependent, can introduce power dynamic issues. Plus, since she has no emergency fund, it increases the likelihood she doesn't have the liquid for necessary expenses as they come, digging herself deeper in
She has the sweetest voice. It's very soothing. Wishing her the best of luck - she really seems like she can get this back on track - and I hope her dog grooming business grows exponentially!
"Are you safe?" 🥺what a kind and caring question.
As someone who’s just now financially anxious more, despite being in a good enough place, it’s so nice to hear someone who acknowledges mistakes and understands the gravity of their situation. Sincerely wish the best for those people, especially her.
Good breath of fresh air from narcissists and denial.
Confession: I don’t watch these vids for financial education. I watch them to make myself feel better about my own life and choices💀
I think a lot of people do. This channel is the Maury of finance.
Ditto 😭 but it also helps me stay on my own finances
Shhh we don't admit that
Jokes on you these are paid actors
Who says “confession” before commenting lol
Thank you for emphasizing the importance of marriage protections, and to not count on something not legally binding. Nothing is guaranteed but it’s easier to be steady if you are both legally yolked to building together
Marriage "protections" mostly only protect the wife. There really is no financial protection for men in most marriages.
(Yoked) sorry
@@erin9868 and? I said financially and legally, not religiously or spiritually. The concept works without religion
@@randaray24 oops ha been making eggs apparently
@Erin To be fair, everyone should be equally yoked with or without a religious backbone to it. What sucks is when you grow as a person after getting out of the fog of addiction bur your spouse may not grow with you and you two no longer want the same things for you and your family.
So appreciative that Caleb has so many guest that address how mental health plays a big role in bad financial decisions. It's good for people who are struggling with these issues to know that they aren't alone and they shouldn't feel shame for not having the ability to handle their finances without some sort of support.
hence the overweight purple haired feminist leftist!
Why are most people mentally ill though and why can other people handle their impulses even with mental illness
@@NUFCOfficialBecause everyone is different, someone with mental health issues might still be able to handle their finances while someone else will struggle.
@Newcastle United Clips Every mental illness is different, there are many types and hav varying degrees of severity.
Any mental illness that doesn't involve hearing voices is a self control problem.
Love that you take a therapeutic approach to these audits. You are doing great stuff ❤
Thank you!
I love how he can be soft and gentle with her concerning her safety and mental health but still firmly drive home the message to do better. I really love his content and I'm so glad i found his channel by chance. He makes me want to do better for myself.
She’s super likable and I feel like she can succeed if she sticks with her mental health treatment. Upping her income should be a priority as long as she can manage additional or potentially more difficult work at the moment.
She seems super humble and sweet af. Best of luck to this guest. I feel like she’s actually trying.
As a former dog groomer I know you can make good money but It's sooo physically demanding and there's so many risks with dog bites. I really hope she has health good insurance. Rooting for her ! It takes a lot of patience to be a dog groomer and she seems so sweet.
I doubt she has insurance at all because she would have to pay for it as an individual. This is so hard for people in the United States because when you are not covered by a policy, you have to buy your own individual policy, and they are insanely inexpensive.
I can’t delete my comment, but it appears she has insurance and that is good.
@@Wisepati Yes you can...hit the 3 dots...select delete and waaaaala!
“Physically demanding”
ROFL!!
No it isn’t, go on a construction site then come talk about “physically demanding”
I swear, you ladies love to make it seem like y’all do some sort of back breaking labor. You don’t. Most of you are lazy af
She should be working a 2nd job to pay off debts and save money. The problem with people these days is they only work 35 to 40 hours a week and then don't think they should work more even when they are drowning financially. I had 2 jobs at one point during college to keep myself going. Learn to work 60 hours a week until you are financially stable. The rest of us are paying for you not paying bills (medical, credit cards, etc.) through higher interest rates and fees.
I really think she can turn this around. The clarity of her situation is real to her and she finally can see without the bipolar hindering her. I hope it works out for her!
Wow I really hope you are never in charge of giving out loans or hiring someone....
She looks like an awful bet IMO as a professional sports gambler/slumlord
@@nly4607 More awful than the other people on here? She's dealt with Bipolar Disorder yet she seems far less delusional than half the people on this show.
@B H she is very overweight with covered with tats and piercings even on her face with pink hair and a personal style/dress that says- "I do meth or opiods whatever ya got!"
And she is trying to be a dog groomer....when the #1 thing pet owners are looking for is someone who looks stable and responsible.
#DELUSION
I pray this sweet girl just gets the ball rolling and keeps her mental health “healthy.” I’ve been there with devastating depression and financial ruin. Working now on paying down $28,000.00 debt. Will be debt free in 7 months my goal. Thank you Caleb for the little tough love bro energy ❤
I know Dani won't ever see this but getting that initial bipolar diagnosis will TREMENDOUSLY improve your life, even if it doesn't seem like it now. it's like your first sense of clarity and everything you used to do ends up making so much sense, and you can usually navigate thorough life better. I was diagnosed with bipolar I 6 years ago, and luckily for me, I never applied for a credit card until after I was diagnosed because I would have 100% been in the same spot as a lot of other people on these videos. it took me a few years after the diagnosis to really understand how to personally handle it. because the one thing it tells you is the catch all symptoms, but the diagnosis never tells you your personal symptoms. one of my personal symptoms was buying for the dopamine rush. manic buying vs depressive buying was always different, but i realized i bought more things when i was sad.
Yeah Im bipolar as well and luckily I didn't financially ruin myself (i wasn't necessarily responsible, but I have amazing sisters who kept me from going insane) i did so other things I regret before dianosis but even just knowing what was wrong with me helped even before medication cause id recognize things faster
It seems she's very self aware and is being proactive to take care of her mental health, which has significantly impacted all of the rest of her life. I'm in awe of the super low cost of her health care and I hope that continues for her so she can thrive and be successful!
Her collections situation is scary. My mother also stopped just responding to collections agencies in hopes that they'd eventually give up, but the debt ended up in the hands of a law firm that started garnishing straight from her bank account. You can work deals with them but it's a rough spot to be in
Years ago when I was young I wrote a bad check (a check remember them?) I was prosecuted and sent to a state financial class. It was really useful it taught me a lot. At the time it was a class that should be taught to all students. Thankfully I got my finances in order.
Thanks for being so open with your mental health and encouraging others in their journeys. So many people are scared to talk openly about their struggle for fear of judgement. Have you ever thought about doing a side video where you discuss common finance-related issues with a therapist? Like impulse buying, using purchases and things to make you feel better, and other habits that your clients commonly make and tips on dealing with them? I know I can relate to many of the bad habits I’ve seen on your shows.
Great idea!
She has such a sweet voice and kind eyes. I do hope she sticks to the plan and gets out of debt.
There's hope! I settled my collections when I was 20 in the same way Caleb recommended. I'd just broken 9 ribs and punctured a lung in a car crash, so I couldn't work full time for a while and my finances fell apart. I got $20k of debt down to $2k. My credit was awful for a few years, but I could afford groceries.
Best of luck! 💜
The lady with understandable struggles with mental illness is taking more accountability and being more rational than the majority of people on the show. I really like her and wish her the best!
I love how you can tell that this is the third interview they filmed in one day due to the volume level of the same boba tea 😂 good efficient use of time, though, so good job knocking them interviews out!
His subscriber count is growing so fast! Good for him.😊
George from the Dave Ramsey show recently mentioned Caleb and possibly doing a collaboration with him.
These videos have really nailed down the need for an emergency fund for me! I just leave 10K in a high yield savings, no matter how badly I want to use it for my house buying fund.
That's really awesome and smart. Especially since the emergency fund becomes even more important when you have to cope with emergency home repairs.
It sucks because you need to save up the down payment + emergency savings. Getting into a house then having nothing just in case is absolutely terrifying.
Eating out really is a money pit that people easily fall into. Been there, done that. Hope this girl stays on track and gets her finances together
If she can at least double her income then the debt pile is very manageable. Kudos to her for being brave and coming on the show....
Caleb: "What is Penis Systems??"
***makes face as realization hits that he just said 'Penis Systems'***
Caleb: "Erm ... what is PNS IC?"
🤣🤣🤣🤣🤣🤣🤣
I hope she can turn things around for herself. Bipolar can be so hard. Good job getting medicated for that. She seems very sweet. Keep moving forward!
I was in a very similar situation to hers and I am finally building credit and wealth. I am so proud of her. She was very brave and is in a good spot because she decided to take the first step to face her finances. She’s going to be in a better spot real soon. I know it.
This seems like a mental health and poverty issue. Glad she is getting help with mental health now. If she gets her income up to 40K a year it would change her life. I wish her well.
She seems absolutely sweet, I hope things improve for her. I can relate to her on the front of mental health playing a hard struggle on fulfillment in the work space.
LOVE this channel so much! I give props to everyone who featured on this show. You're very brave and your stories has inspired me to get my own financial shit sorted.
I hope Dani figures it out! Seems like a genuine person who is trying to get help and make life/finances better. It takes balls to honestly self-evaluate and clearly Dani is doing the work.
aw she’s really sweet and seems honest
Honestly as soon as I get a notification I grab a coffee get comfy and use this time just for me. Self care at it's best. Keeps me motivated on my financial journey.
She needs to double her income to even consider building a portfolio. $1700 a month working 34 hours a week is just $12.50 after taxes, gotta make more and also she could work for a retail and make probably $16 an hour and be able to work a full 40 hour week (with overtime available) and receive decent healthcare benefits.
Definitely needs more income, it will be hard for her to survive our economy .
Retail doesn't offer good healthcare benefits. Crappy benefits with too much coming out of your paycheck.
Also Oklahoma min wage is 7.25 an hour
Right!
@@deirdrekiely6187I was under the impression she didn’t have healthcare since she doesn’t work “full time” for her dog salon company (she said she only works 30 hours / week). Might be wrong on that but retail even if the benefits are trash is better than nothing.
This lady is just lovely. Thankyou for helping her and I wish her the very best with her mental health and her finances
Thank you Caleb for recognizing how difficult it is living with bipolar! I, too, have bipolar, and have dug myself into quite the hole with irresponsible spending from manic episodes (which i totally own!), and its embarrassing becaise mamy people assume im either just stupid with money (or in general), or im making excuses. Its not always an excuse, sometimes (like with myself and this young woman) it is just an explanation. Another awesome episode Caleb! ❤
Getting my daily fix of financial audit by Caleb hammer
What do you do on Sat Sun Tues and Thurs?
@@genocidehero9687 suffer
Same 🎉
Caleb congrats on 500k+ on the way to 1 million baby!!! Yaaa you deserve it. Thanks for helping the rest of us plebs.
I wish I had a pot of money to help her out because she is lovely. A clean slate would make her a warrior for the rest of her life. Teach her how and she will rock it
She was so brave sharing her past and where she is at today. I can totally relate with high and lows that come with the manic episodes. She's informed and hope the best for her moving forward. I'm glad we saw a different perspective, financially speaking. I didn't know things could "fall of your credit".
I'm glad you post MWF. You give me a video to listen to when I go to the gym on MWF. 12 pounds lost, got 70 more pounds to go before my goal for my wedding!
Thanks for entertaining me on my workout days 😊
Caleb your channel is amazing! I’m from / live in your hometown and was a few grades behind you but know people who know you and say you are such a great guy and I love seeing people from our town go out and do great things!! Congratulations on the success ❤️
Every time I hear medical debt I die a little inside. No one should be in debt for needing medical assistance. Good grief
Cheering for her, good for you for identifying and treating your mental health issue and getting on the road to financial recovery too.
mental health, nose rings and colored hair seems to be a coping trend.
Impulse control is common thread among those who are in serious debt from the people I've watched on your show so far. Common theme - eating out a lot and a habit of spending a few bucks here and there every day. This adds up really fast. If you have kids you need to teach them how to cook and how to delay gratification so they can have even more in the future.
I love Caleb is so patient with her knowing she has mental health issues and she on the other hand is a rockstar! for listening intently and following Caleb's advice.. good job you two! I hope she'll be able to handle this big challenge of her life and she'll be living peacefully and taking care of herself. Good episode!
Big blessings Dani, we're all rooting for you! Can't wait for her update, I can feel that she's ready to tackle this!
She's a lovely person. She needs a much higher income. She can't go anywhere on what she's making. I really wish her well.
I give props to Caleb. He really tries to help everyone even though he gets angry. I wish him luck on getting subscribers.
He's not angry-mad, he's angry-frustrated lol.
@@markcowan3366If you know basics of finance it will drive you nuts how some people can be so irrational with their spending
Right away, she seems like she's aware of her situation and issues. Seems she's taking a positive approach to fixing herself
Money Management should be mandatory to complete US High School, this is insane how some people have zero survival instincts when it comes to spending.
Parents need to teach children also!
It is mandatory now in a lot of states, but not all of them. Maybe one day
It was my school district 10 years ago
The US public education system doesn’t care about teaching personal financial responsibility because it doesn’t benefit the government and the corporations who lobby the government. It’s to train people to be work drones to pay taxes and get into debt by overspending. Parents will have to be very involved in teaching finances to their kids to change the culture, but many of the parents don’t have good money management sense either.
I had a class my 12 grade year called quantitative literacy, we paid bills and made spreadsheets on budgets, even pretend played the stock market
I just found this channel, and this is really inspiring me to look at my own financial situation. These videos are great and you earned a subscription!
I have started listening while going through my day. I did my own financial audit and heard Caleb yelling at me. So I sat with my husband and we made a plan. It has only been a week and a half but man this is not easy. I am now sitting with my teenage kids and hoping to sit with my 22 year old and see if we cant get them all started off on the right foot. Thanks for all you do Caleb. You are changing lives and it is beautiful.
Hearing you talk about negotiating with the collection agencies makes me think of a reverse collection call - instead of them hounding her, she's turning the tables and hounding them.
Just a tip - once you get your financial life in order, you actually LIKE looking at your bank statements and even your bills, because you know exactly what you're going to see and how you're going to pay them.
You got this Dani!! It’s great that you are taking control of your mental health and are wanting to tackle your financial health as well. Rooting for you 😊
As long as her mental health stays in check with her medication I think she’s going to be fine. She seems really determined.
I almost spit out my coffee when Caleb said in an accusing tone “What’s Penis Systems!!??”😅😅
20:35
Yo, this debt counter on the bottom right is golden. Gr8 addition
Oh, she's so sweet! I hope she does well!! Thank you for helping her Caleb!❤️
We're all rooting for you to do well! I am looking forward to hearing her update in a year; all the best lovely girl!!
Really rooting for her, it's tough balancing everything she has on top of finances. ❤
Jeezus already at 522k! This channel is growing so fast and I am super happy that so many people are learning and growing financially.
This is the sad reality for so many people working in low wage jobs and it is so difficult to get ahead. Best of luck, and I hope you can make strides in the right direction.
I like to watch these videos an hour before lunch. Because Caleb screaming restaurant names gives me ideas on what to eat. I think I'll pick up some taquitos today.
High pitched voice Caleb is my spirit animal 🦒
It’s shameful that she was even allowed to get into this mess. A lot of it feel like predatory lending.
Caleb, I really appreciate how respectful you are about mental health and help raise awareness for it. I have pretty bad panic disorder as well. I’d love to hear an episode where you talk about it. I’d love to even do one w you where we talk about it and the difficulty around finding help that is affordable
This girl is so great...so sweet and vulnerable. I wish the best for her.