This title is as salacious as it gets and you know it Caleb lol! One of my favorite quotes of all time "The only thing you are hauling around is those tits". This episode was 10/10. Please keep them coming!
As bad as her debt situation is, this was one of the least infuriating episodes ever, she really seemed to be listening and taking the feedback to heart.
@@ivangutowskilet me spend ten years of my life and an incredible amount of money to learn about Shakespeare my sister in Christ you can do that for free 😂
This is 100% my favorite episode, she genuinely wanted help and didn't sit and argue the whole time. The light banter and jokes were also great. I really hope she gets her finances together.
She's not dumb, she's a complete idiot, 12-14k a month and this broke......"the money was worth disappointing my parents" and she's has nothing but debt to show for. lol
Since finding this channel, my wife and I have both gotten second jobs, and paid off $12k of credit card / personal loan debt in only seven months. Thanks a ton Caleb!
@@XxCaptNKnucklesxX irrelevant opinion bud! What gave me the inspiration to start taking my finances seriously was seeing all the positive stories from others on this channel.
Yeah this girl is actually pretty funny. Would imagine you pick that up pretty quick in the Navy. I've met two kinds of veterans in my life. The first are the guys that are way too serious about everything, the other group are some of the funniest people you'll ever meet.
@@roshnioriordan3767That's awesome of them. So proud they fixed it cause that was too ruthless for how cooperative she was! If they called taquito guy dumb, I'd have just said "nobody cares" 😉🤭 but she didn't deserve it!
Honestly her decisions weren't very smart choices to make. Being sweet and agreeable cannot take away from the cold hard truth that she made some dumb decisions.
I agree. Can't imagine how much shit she gets on the daily. She chose that life, but still. It's kinda hard not to these days when folks like myself have gone through college, and have one of the best jobs available in town, and still don't get paid shit. Like genuinely, if I was an attractive female, I'd do it.
She's the least frustrating guest you had this year. She's not needlessly argumentative, she doesn't do voice frying, she´s humble and she has a sense of humor. I wish her all the best. I hope she can straighten up her situation and come back on your show.
@@8888kpretty sure Caleb runs the title by his guests before he publishes so given her sense of humor displayed in the episode I’m sure she was okay with it and thought it was funny at least
To be honest this was the most enterntaining guest for me thus far. I like how clearly she talks and her occupation and backstory sounds so interesting and different than a lot of the other video's guests.
There are delusional strippers, and then there are extremely down to earth strippers. Strippers who see through the social and political bullshit to the heart of people and social realities. She’s the latter, which is why this is so GD entertaining. Also, this episode has everything. Ex military! Sex workers! Air BNB questionable investment yolo! Weed stocks! A pickup truck! It really has all the best ingredients. A buffet of goodness.
@@adamseidel9780 I meannn strippers are just humans. Humans can be super delusional or just kinda bad at budgeting lol. But yeah, definitely makes for a punchy title/content since many people see the job as an interesting novelty.
Ok, she’s pretty funny and Caleb was giving her *nothing* 😂 The “feeling modest” joke was pretty good and how refreshing to have someone who can communicate and not give a roundabout story about *everything*
I actually feel bad for her because she seems to have her head on straight. The only thing that's missing is some financial literacy, and at 15K/month income, she could've been set for life. I always say that accounting/finances should be mandated as a course in every single school.
Yeah, she was trying so hard with the money-pit of a house. I couldn't imagine living in a trailer, sinking all my money into a house I'll never live in. Sounds like she'll never make her money back on it between interest and renovation costs.
I try to learn finance and accounting stuff but I just can't retain it or understand it. It's really overwhelming for me so I am guessing it might be for some others too.
@@sevan8350 On a basic level, there's not much you need to learn to be financially responsible. The best thing my parents taught me is: If you earn money, don't spend it - save it. That is how a poor person becomes a wealthy person. The next thing to learn is where to put the money so it grows over time, like into the market as a balanced ETF or the S&P 500. If you can figure out those two things, especially when you're young, you will be thanking yourself 20 years down the road. If you have trouble with the saving part, then learn to budget your income. Aim to save at least half of what you earn. This may require you to make some sacrifices.
Awe! I don’t think she earned the title of “dumb stripper”. She just seemed like she had trouble understanding the market. She just needs the right information and guidance. She seemed genuine in getting feedback and help.
As a Vegas local, her rent is a GOOD DEAL for being in a safer area! Most of Vegas is very very rough so there are very few places to live where you are "safe".
I made the mistake of letting my younger cousin book an AirBnB. We were driving in from Lake Powell and I was zoned out until I saw a gun store, pawn store, liquor store, dispensary, sex shop go by my window. Was like “where the fuck are we staying?!” Place had bars on the windows. 😂
It’s refreshing to see someone not fighting you back when they know they are wrong, unlike the wannabe politician and past his prime UA-camr. She has a good chance to get her house in order.
GOD i could not stand that politician truly, the nerve to go “well you werent prepared and didnt give me good advice” after 45+ minutes of reviewing finances???
@@ecifircas0that one was such a hard watch. he had ample opportunity to get what he wanted out of that meeting and he chose not to and blamed it on Caleb
Paid off my car yesterday! Would of rode out the minimum payments at 16% interest if this show didn't inspire me to take my financial life more seriously. Thanks Caleb!
@@Zoet50his intention is to hammer home the seriousness of these mistakes and risks. Hes hoping that by freaking out on them it wakes them up to how bad of shape they're in which gives them an opportunity to change their mindset and their habits. I'm not sure if it helps or not but I'd lean towards yes. Usually not a fan of yelling and stuff but I think there might be something to the way he goes about it.
@@Zoet50it conveys the seriousness of the situation that someone who knows about finances is basically unable to control themselves at the sight of your finances
She seems like a sweet and intelligent person, it felt like she was really attentive to your feedback and ready to make a change. Wishing her the best in the future, I hope she’s able to resolve her situation! :)
Fact: People who are of average-intelligence are prone to being overly optimistic when assessing their own intelligence, and that of similarly-minded people. This is partially due to them using the below-average intelligence people as benchmarks, and the fact that it’s impossible to comprehend how it would be to have a brain capable of a higher level of intelligence.
I often wonder the same thing. I am hopeful that Caleb and his guest discuss exactly what the title will be and he allows them to veto certain terrible things. The guest chose to have this experience typically knowing the show from at least one episode. I have seen ones that haven't seen the show though so I am not positive. This one made me feel wrong though, clearly not dumb.
@@inksplosiongames Hes mentioned in passing in some episodes that the guests have a general final say on what is in or out, also they are usually aware of the title and thumbnail.
Unlike Dave Ramsey, this show is purely entertainment, not informational. The "guests" are entertaining because the "work" (if you call what she does, work) that they do, is questionable at best. So it is entertaining for ordinary people to watch this and see how these people have financially ruined their lives in a Schadenfreude sense. If these were normal people doing legitimate work with genuinely good purpose who were in financial ruin, they wouldn't subject themselves to airing their dirty financial laundry in this format to be so embarrassed. A person with a legitimate career that doesn't need clicks to justify their existence, feels shame for their self induced financial circumstances. A stripper is shameless.
My boyfriend sent me your page 9 months ago and I had never opened my card statements. Found out I’ve handed thousands to them, and now I’m going into 2024 with NO consumerism debt! You’re a blessing to all of us that did not grow up in financially literate homes Caleb !
Vegas local here. I think she makes a great point about her mobile home and rent. She’s right that any liveable area in Vegas is like $1.5k for a one bedroom. She’s right that anything under that is in a rough area, and we have lots of those around here.
CHRISTA!! If you come into the comments, I hope you see this one! I went Marines > Stripper > and now, Nuclear (power generation side). It pays the same as a stripper and has the structure of the military, so you'll likely love it! Plus as a female disabled vet, they will preferentially hire you. Good luck in life, girl! And you're right it's cold AF in the club!!! 😂
How did you manage to get in nuclear power if you dont mind me asking? Im still trying to figure out what i want my forever job to be after getting out of the Creme Corn lol. Im all over the spectrum right now.
I was a lawyer for about 3 years, mostly in debt collection and foreclosure. The number of lawyers who lost their houses to foreclosure was the biggest shock to me. Don't waste a GI Bill on law school unless it's a well-ranked school with really good employment outcomes. Most of my classmates regret going to law school.
I would second these comments. I work with several underemployed attorneys who could not find the jobs they wanted after law school. Fortunately, my daughter went to a good law school and was a top student, so she's displaying the outcome on the other end of the spectrum. But with the proliferation of colleges offering law degrees, I believe she's become the exception, rather than the rule.
At this time all college has to be considered a sham w current fed government (also a sham) having hired complete inept administrators there. I’m a property inspector - so your point about lawyers - I’ve been there done that doesn’t even cross my mind. I still believe there’s a place for lawyers so I won’t consider you all most beneficial at the bottom of the sea.😂
Watching this man tear other people apart for their finances while simultaneously drowning in my own financial problems has quickly become one of my favorite pass-times
@@daMillenialTruckerlol no she won’t. Dude 1/3 of cute girls are this way they are charming but life is a disaster because they used being cute to get by always and never learned basic skills.
@@daMillenialTrucker she is making 120k a year stripping dude you act like she isn’t cute enough to get her way. You obviously aren’t around women much get off CoD you will learn.
Its not much, but since october i have saved $1000 and paid off a large chunk of my credit card and student loans. Normally i struggle to watch "finance guys" without turning it off, but you make it so much more understandable and less uppity. Thank you for everything you do!
Any and every month you can have savings go up and debt go down at the same time is an accomplishment. Saying "it's not much" belittles that. Cause, honestly, if you can keep doing that again and again, you will get to security.
Love your channel Caleb, I have seen literally every video, thanks to you I was able to create an emergency fund and wasn't worried about bills when I lost my job earlier this year, so job hunting was less stressful, Got a new job! now just to rebuild that fund and then get back to 50, 30, 20.
May be of interest, I recall a tax court case where a stripper was able to justify cosmetic surgery like a breast augmentation as a tax deduction due to their job. If she hasn’t tried talking to a CPA to deduct this, maybe worth informing her to look into
Your tone, behaviour and demeanour were overall very disrespectful. I had to to stop watching after a few minutes, because I was cringing so hard on behalf of the guest You really need to grow the fuck up Caleb and you need to do it quickly.
@@mnb1988 it why u have to read people body language she did laugh or even smile at that joke even this she said it’s okay actually she had a blank stare throughout d interview
@@larryzan8942 didn’t you hear her modesty joke with the inches of fabric rules. You are reading far too much into it. And then taking an unnecessary shot at Caleb. You are the problem
She ain't lying about rent in Vegas. It gets higher than owning a home. Those places Caleb is finding are horrible areas. Hella shady. I wouldn't be surprised also that it could be monthly/weekly hotel places which are also pretty common here.
I made far too much money to be living paycheck to paycheck. Since my wife showed me your channel 4 months ago I’ve fully paid off my car, two credit cards (only one left to go which will be paid off by March) and $5,000 in an emergency fund. You are doing great work Caleb
@@Jake38nine oh we definitely aren’t worrying about impressing people. We are just working on getting to $6 million in our retirement accounts then kicking back and enjoying. Only debt we have (other than the one credit card I am currently paying off) is our home and we have that on a 15 year (down to 11 now) at a 2.65% interest rate. As the money guys say. I would rather be rich than look rich
@@ryanra44Waaait. I’m genuinely curious. If the goal is $6mil in retirement accounts, why pay off a house that is at 2.65% within 15 years when you can put that extra money into the retirement accounts? The yearly growth with that money invested would offset whatever interest you’re paying. I guess if you already have the retirement accounts maxed with the mega backdoor roth, and the extra house payments are actually extra income. But this doesn’t make sense if you only have 5k in an emergency fund? Maybe you know something I don’t? 🤔
She comes across as someone who has a ton of potential and is willing to work incredibly hard; she just did all of this by herself with no financial literacy. She clearly seems willing to work on these issues, if she leaves this interview and educates herself concerning finances she can still turn this around and retire very comfortably. Hoping the best for her.
@@vidyavisions well, unlike most guests, she actually makes money, so at least she has that covered. there´s been guests who owe more and don´t have a job. also, it does take talent, it´s not something everyone would do and even if they did, you still need the body and the skill. no one would pay you a dollar for you to do the same, so it´s not that easy.
@@vidyavisions i wouldn't do stripping for a living or for fun, nor do i see the point in that kind of entertainment. That doesn't make me blind to the fact that it takes a particular skill. Luckly i have a high paying job that doesn't require me doing anything like she does, but i don't judge either. I never said nobody had a job in the show. She already has the income and the willingness to listen up and get her shit together, also very few people have had that attitude on the show. What rubs you the wrong way is that she's a stripper, which is kind of a you problem
I am a formal ballerina who also got into stripping to make a living. Eventually i took out a big loan for studying an MBA and IT. For the past 3 years I worked in tech sales in Australia. Today im making $200k and about to become fully debt free. Never looking back again.
Possibly the best episode yet! I feel like the title is definitely a discredit to this woman. While watching delusional train wrecks can be super fun, this was such a refreshing guest. Not crazy, not fighting with you, seemed open to criticism, and funny! Great episode!
Finally debt free! The weight off my shoulders is immensely satisfying. Caleb I really appreciate you helping me get my head out my ass. I have a fully funded emergency fund and a fully funded house fund and ready to buy my first home early next year at the age of 31. I really appreciate you my life has improved a ton.
She’s not the first sex worker you’ve had. The “life coach” from Texas you had on that worked 4 hours a day was actually an escort. Your followers found her website.
Great Guest! She way smarter that most other guests you had on before. She seemed very geniune in trying to fix her situation and doesnt reflect every bad financial decision like that one guests with the private school children
This was an amazing episode, it’s usually frustrating when people come on and act like they’re in full control and kind of neglecting Caleb. I really felt like she’s trying her best to dig herself out and I’m hoping the best for her!
Great guest, and she is not wrong on the renting situation in Vegas, its really expensive since the pandemic, also she is looking out for her safety. Also thank you for your service! I really hope she does a follow-up. ❤
She's in Vegas...get a second job as a casino dealer. Go to a dealer school, learn to deal Blackjack, get a job at a casino, make money off tips. Good looking dealers get tipped well. Casinos open 24/7, so she can fit it around her schedule.
I got out of my doctorate program for pharmacy and since watching your show I paid off my 125k student loans and im on my way to buying an apartment for myself! Thanks caleb!
Actually super smart for using hotel prices in Las Vegas as a proxy to determine customer headcount (and potential earnings). Surprised there wasn't any shout-out to her social media pages (unless most other ladies/models/influencers that have been on previously)
Irresponsible and getting $2k a month tax free. She did zero research into school as well. She could have used Voc Rehab instead of wasting her money on undergrad.
The comment sections always passes the vibe check. Love all the like minded people who know when to call people on their BS, know when Caleb needs a little extra support, and know when to congratulate guests for the right reasons. Thankful to you Caleb, especially thankful to all of you who interact with Caleb's content in a respectful way.
She is collecting $2500 from the gov a month on top of not paying taxes on income. Comments are wayyyyyyy to nice imo prob bc she is a sx worker and you cant criticize them
There are some other comments about this, but it might be that she did in fact understand it correctly. I really hope Caleb or someone on his team goes through these points more carefully outside of the show, I hate seeing bad info given out on student loans (he did not characterize interest on the SAVE plan correctly in a previous episode) or the mortgage here. Even if Caleb was correct, he could make these episodes so much more informative for helping others if he could explain it clearer rather than move so rapid fire to the next outrage.
I love this channel. We cut back eating out, unused subscriptions, started meal planning to eliminate extra trips to the grocery store during the week… and we saved about $4-5k between September and December. We don’t have alot of debts and we just bought a car in cash.
One of my a favorite episodes. I might be biased because she's a fellow veteran, but I think overall she has a good head on her shoulders and is a go-getter type of person. She just needs a little more education in finances. She should definitely have a talk with a VSO at VFW she is a part of to make sure she's being rated by the VA for everything she is eligible for. Also, make sure her conditions aren't under-rated. On 2 separate occasions the VA has under-rated me on conditions. It wasn't until I challenged them and pointed out the rating schedule in their own regs that I got bumped up to the appropriate and accurate rating. After talking to multiple veterans, it is a common occurrence. The VA very often low balls veterans. I encourage all veterans to take look at their rated conditions and the VA rating schedule for those conditions.
Just as many people are gaming the system so don't blame it on the VA it's their own battle buddies causing it. No deployment No action but have 100% and still work full time. Bullshitters
Caleb has had 2 guests on this show, prior to this episode, who he talked with so well - I honestly thought, "He just found his co-host!" She is now guest #3. I would watch or listen to a show catered around financial content and their banter/conversation. One knowledgeable host, one who's learning and bridging the gap for people who dont quite understand. And, from the sounds of it - she's more handy than him. Could be a fun mix. She was an interesting guest, but in a good way. Another great audit!
that sounds like a great show to watch!! im curious about the other guests you mentioned, i dont watch his videos in order so do you mean the two guests before her?
@lana-cloud hey, sorry - just saw this. Yes, the guests were in order. One was his former intern on the show. They had a nice big brother/little sister vibe going & I'd need to dig back through the episodes for the other one. I'll post the link for the old intern one.
I don't like the clickbait direction Caleb is taking with this channel recently. Financial Audit is interesting enough without pretending every episode is crazier than the last and putting mean spirited titles and thumbnails over guests who are really quite tame.
It’s literally always been like that. And as a UA-camr, he’s constantly trying to get new eyes on his channel. I think he’s smart for doing it. Instead of complaining about something that dumb, how about you just ignore the title of the video ? 🤔
@dustinmarry4993 audience retention is a thing, idk if you're aware of it. Gaining a view through clickbait and saying "it works" is incredibly short sighted...
This channel is amazing. I watch it when I am feeling myself slipping. I try to picture myself in the chair, and it helps get me back on track. I have also realized I have made some really bad decisions thinking they were good. Here's to slowly correcting them.
Hey man these banks will throw money at you if you make decent money but people don't understand that they HAVE to give it back and that time frame to do so a lot shorter then they think
Half stupidity, half "i'm finally free from parents with my own money" binge spending. I'm 22 and had to pay off 5K for autoschool even thought I was given a grant. Missed a week due to personal reasons and got dropped from class which in turn got the grant taken. Doesn't matter if there's a notice or not, you fall under hours, that's it. The world is weird and definitely not on our side but also not directed at us personally. Everyone would get screwed if they didn't pay attention. Learned that one the hard way.
She was a fun guest. I hope she gets everything straightened out sooner than later. Be nice if the military could put in sone kind of financial education course as a part of readiness. You got this Christa!
I was in the Canadian army and they really prioritized financial literacy and provided lots of resources to help, as well as interest free debt consolidation, many people were still horrible with money and didn’t care.
It'd be nice if *high school* could put in sone kind of financial education course. The only thing you get is Polonius' advice to Laertes ("Neither a borrower nor a lender be") and most kids don't pay attention to Shakespeare.
Initial title was pretty harsh lol gave it a second chance when it popped up again and it was a great episode. No annoying excuses like some of the previous guests. Straight to the point. Youre videos have been helpful in handling my finances, especially with 50 30 20 and consistent payday investments into index funds, appreciate it Caleb!
Oh she’s not dumb at all! She’s one of the most intelligent guests you had on the show in my opinion (another proof that PhD doesn’t make you clever automatically). Wishing her success and I hope she can “retire” and maybe work in some kind of [legal] entertainment but not butt naked anymore :D
Caleb, thank you so much for this series. I used to be so afraid of my finances that I couldn't even bear to look at my checking account, let alone my credit card statements. Now I look every day, and not just look but analyse! Because of you I was brave enough to find THREE recurring charges that I didn't know about and get fully refunded for the YEARS that they have been charging me without my knowledge. I can't wait to knock out my credit card debt, and it's truly thanks to you :)
After she said she stripped old furniture, I couldn't stop thinking she was actually stripping in front of it, then selling it. I laughed at the ridiculousness, then cried cause that's probably a thing
Just in case, stripping furniture is the equivalent of flipping a house. So basically, buying old/damaged stuff, fixing/sanding/painting it and then reselling it for much more.
Whenever there is an episode where the person makes around the same as I do, that when I really grasp what a difference making good financial decisions can make. I am extremely grateful to have found this channel.
Been managing strippers for 5 years. This job is HARD. Physically and mentally. I feel for all who do it.. and it is hard to leave. I really try to get them to leave by 3 years, make as much money as possible and save save save. Thankful people in the comments are respectful
I personally believe the maximum cap on stripping as a career is exactly 10 years. You should have at least an apartment that you own, a car and no student loans or credit card debts by then.
@@tkatrich3 10 years is A LOT to go through. This is a very hard place to spend 10 whole years in, and it just isn't realistic. If it was better all around, sure i'd agree. 3 years may seem short but this industry is killer. For these girls' sake this is merely a stepping stone, don't use up a decade of your life. Money at that point is not worth it. Trading opinions here, totally respect yours of course
I also studied sociology. As an overweight short guy, stripping wasn't an option, so I had to go back to school to become an accountant to make money. And, weirdly, the "accountant" moniker is often used by sex workers to hide their true profession. Anyway, I'm glad there's another sociology grad out there making bank, even if they had to go down a road less traveled. Edit: jic people aren’t catching onto the sarcastic point of my original comment. The guest talked about how the only way you can make money as a Soc graduate is by stripping. And that’s largely true, most people can’t make money as a sociologist. They usually end up doing something else. So, the guest responded by becoming a euphemistic “accountant”. And I responded by becoming a literal accountant.
The joke made sense 😅 I have a feeling a lot of these commenters aren’t aware of secx worker jokes 🤣 for anyone that didn’t get it, usually if someone asks what you’re doing for work and you don’t want to disclose you’re a secx worker, maybe it’s a relative asking, you’ll say ‘oh I’m in accounting’.
It’s amazing to hear the stories of people putting their finances in order and having the motivation to suck it up now and place their future and children’s future in much better spots. Great to see the good that comes out of bringing poor financial management in the open.
When I worked at a credit union we had strippers come in with their earnings and the majority of the time their checking balance was below $200 and NOTHING in savings. Sadly, the money goes as quickly as it comes.
I oooooved that episode! So much fun and laughter + a really nice girl sitting and seems like learning from you. I wish her all the best! Thank u Caleb!
Ya, Caleb seemed pissed off cuz it was so smart. He kept trying to poke holes in it but he just kept sounding stupid so he had to stop. Then all he could do was disparagingly tell her she lived in a trailer. This move makes me think she is probably on the right track with her Airbnb as well.
@@wherezenith2856 That wasn't it at all. She had to put out the $20,000 on an asset that not only will depreciate (mobile homes are not the same as houses, you don't own the land that it sits on), and she's responsible for all of its upkeep. What if tomorrow the furnace in her mobile home went? That would be something she would be responsible for. What if the roof had to be redone? Another thing she would have to put money out for. When she's renting, that would be something that would be taken care of for her. Sure her rent and utilities only come up to $650 a month or so, but if she was able to get an apartment in the $1300 dollar range, it would take almost 3 years living there to break even on that $20,000 spending no additional money on the trailer at all - including her lot fees not going up. Which, as someone that owns a house, is impossible. Especially when you're buying it for $20,000.
@@chantalwiebe534if she paid 20k for it, the original owner likely ate the majority of the depreciation. If it’s a true mobile home, they are often 100k plus new. She’ll never get 20 for it, but it probably won’t go down too fast. It’s like buying a 6 year old car.
@@BradDiBenedetto even if it were the case that it only did lose half of the value, a house never only costs the cost of the mortgage plus bills. There are so many other costs that come up that you don't pay when you rent.
fun fact, a minivan with 3rd row seats and when you fold the 2nd/3rd rows has ~144 cubic feet of storage space. which is probably just as much if not more than most trucks nowadays; and is roughly half the MSRP; and you'll have greater gas mileage.
It sucks seeing a sister in arms struggling like this. If you read the comments I’m begging you, go talk to a veteran service officer (VSO) in your area, someone at the VFW should be able to point you in the right direction. You’re leaving benefits you earned on the table. You are getting destroyed by that mortgage when you could’ve gotten a VA home loan. You’re disabled, the VA has rehabilitation programs outside of the GI bill that will help you. Speaking of your GI Bill, USE IT FOR UNDERGRAD! Your plan to “save it for grad school” clearly isn’t working. Go get your bachelors, the housing payment will more than cover your mortgage…you can even look at it like your second job. Vegas’ BAH is $1.8k a month! If you get your ducks in a row, you can use the aforementioned rehabilitation programs for your graduate degree!
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Do you need any more part-time employees even very few hours..?
I much preferred the original title.
This title is as salacious as it gets and you know it Caleb lol! One of my favorite quotes of all time "The only thing you are hauling around is those tits". This episode was 10/10. Please keep them coming!
You get so many sex workers on the show.. it is funny they make so much money , but it is not enough to fill the void.
Why do you need such tacky and douchey titles like this? Low class move man.
The stripper is smarter and has better emotional control than 99% of ppl on this show.
She has a name… she is doing well ❤
@@mandypdx "She has a name" blame the youtuber. Look at the title
@@mandypdxno she is the stripper
@@mandypdx"she has a name" what is it she because thats all your calling her
Y’all are so easily manipulated
As bad as her debt situation is, this was one of the least infuriating episodes ever, she really seemed to be listening and taking the feedback to heart.
That poetry academic student .... Jees
@@ivangutowskilet me spend ten years of my life and an incredible amount of money to learn about Shakespeare my sister in Christ you can do that for free 😂
that's her job! lol
Caleb was a bit of a dick this episode too
I’d rather my daughter grow up to be a stripper than get a PHD in poetry
This is 100% my favorite episode, she genuinely wanted help and didn't sit and argue the whole time. The light banter and jokes were also great. I really hope she gets her finances together.
When you’re pushing 40 and in debt and stripping won’t be an option in 10 years . Of course she will genuinely want help
@@riverdaletales8457You say that as if everyone on this show that needed help was accepting of it.
@@riverdaletales8457 33 is pushing 40…?
Seriously, the "dumb stripper" is smartest guest he's had
@@annemarie3811the wall is undefeated.
“Dumb” seems brutal. She’s smart! Maybe not with money but she has a good head on her shoulders
Dumb decisions. She is hacking her way thru life and it is NOT working. After all she is on this video! Half smart. SMH
yeah she seems like a sweetheart. The titles are just for clickability, most of the time they're intentionally exaggerated and over the top.
She's not dumb, she's a complete idiot, 12-14k a month and this broke......"the money was worth disappointing my parents" and she's has nothing but debt to show for. lol
I think that's what the show meant, dumb "with money" stripper
Life humbles you. You wouldn't say that if the younger hotter version of her was sitting there........
Since finding this channel, my wife and I have both gotten second jobs, and paid off $12k of credit card / personal loan debt in only seven months. Thanks a ton Caleb!
Good Job!
Awesome congrats my brother. God bless you
These comments are annoying
@@XxCaptNKnucklesxX irrelevant opinion bud! What gave me the inspiration to start taking my finances seriously was seeing all the positive stories from others on this channel.
Congrats!!
"Its worth dissappinting my family for sure" ☠️ her line delivery was perfect
Your comment proves why society is going down the tubes....
Idk man, you sound pretty out of touch.
@@TheBierman19society is absolutely going to shit, but it’s also hilarious. Both can be true.
Yeah this girl is actually pretty funny. Would imagine you pick that up pretty quick in the Navy.
I've met two kinds of veterans in my life. The first are the guys that are way too serious about everything, the other group are some of the funniest people you'll ever meet.
@@CSpottsGaming100%
I know the title is meant to work the algorithm, but damn, ya did her dirty Caleb. 😭 She was the sweetest, most humble guest I've seen in a long time!
I was thinking the same thing and glad they listened to feedback 😊
@@roshnioriordan3767That's awesome of them. So proud they fixed it cause that was too ruthless for how cooperative she was! If they called taquito guy dumb, I'd have just said "nobody cares" 😉🤭 but she didn't deserve it!
Yeah Calab's a condescending ass
Honestly her decisions weren't very smart choices to make. Being sweet and agreeable cannot take away from the cold hard truth that she made some dumb decisions.
They decide titles together
This poor girl isn’t arrogant she’s just fiscally ignorant. She truly looks remorseful…sad eyes.
Sad eyes are from selling her body.
I agree.
Can't imagine how much shit she gets on the daily.
She chose that life, but still.
It's kinda hard not to these days when folks like myself have gone through college, and have one of the best jobs available in town, and still don't get paid shit.
Like genuinely, if I was an attractive female, I'd do it.
She's the least frustrating guest you had this year. She's not needlessly argumentative, she doesn't do voice frying, she´s humble and she has a sense of humor. I wish her all the best. I hope she can straighten up her situation and come back on your show.
Agreed, honestly the clickbait title is pretty disrespectful to her for that reason.
@@8888kpretty sure Caleb runs the title by his guests before he publishes so given her sense of humor displayed in the episode I’m sure she was okay with it and thought it was funny at least
Military bearing will always be there when getting criticized 😅
Agreed…totally unnecessary & just kind of shitty for Caleb to call her “dumb” literally in the title
@@mattyp6908she is being really dumb with that airbnb thing
To be honest this was the most enterntaining guest for me thus far. I like how clearly she talks and her occupation and backstory sounds so interesting and different than a lot of the other video's guests.
Have to agree. Some fun jokes as well and she really seems to care.
There are delusional strippers, and then there are extremely down to earth strippers. Strippers who see through the social and political bullshit to the heart of people and social realities. She’s the latter, which is why this is so GD entertaining.
Also, this episode has everything. Ex military! Sex workers! Air BNB questionable investment yolo! Weed stocks! A pickup truck! It really has all the best ingredients. A buffet of goodness.
@@adamseidel9780 I meannn strippers are just humans. Humans can be super delusional or just kinda bad at budgeting lol. But yeah, definitely makes for a punchy title/content since many people see the job as an interesting novelty.
@calebHammer please bring her back
Ok, she’s pretty funny and Caleb was giving her *nothing* 😂 The “feeling modest” joke was pretty good and how refreshing to have someone who can communicate and not give a roundabout story about *everything*
Right, he was too busy thinking his pie hole joke was funny
i felt this too😂😂
Just a joke
I think he hyperfocuses on whatever he’s doing and sometimes misses what people say lol
Like that one guy who blamed his children for losing his ID because they bought him a wallet🤣
I actually feel bad for her because she seems to have her head on straight. The only thing that's missing is some financial literacy, and at 15K/month income, she could've been set for life. I always say that accounting/finances should be mandated as a course in every single school.
Yeah, she was trying so hard with the money-pit of a house. I couldn't imagine living in a trailer, sinking all my money into a house I'll never live in. Sounds like she'll never make her money back on it between interest and renovation costs.
I try to learn finance and accounting stuff but I just can't retain it or understand it. It's really overwhelming for me so I am guessing it might be for some others too.
@@sevan8350 On a basic level, there's not much you need to learn to be financially responsible. The best thing my parents taught me is: If you earn money, don't spend it - save it. That is how a poor person becomes a wealthy person. The next thing to learn is where to put the money so it grows over time, like into the market as a balanced ETF or the S&P 500. If you can figure out those two things, especially when you're young, you will be thanking yourself 20 years down the road. If you have trouble with the saving part, then learn to budget your income. Aim to save at least half of what you earn. This may require you to make some sacrifices.
As an accountant and financial analyst, it’s behavioral lol
@@AaronHernandez-ko6rrit definitely is. I have a degree in accounting and finance and have been studying accounting course since 12.
I laughed a little too much when she said she strips furniture
Caleb's face was priceless 😂😂😂😂
Master stripper🤣
Her face was too right after she said it@@hopekorf6729
"Just insert them in anywhere" She knows what she was doing 🤣
She doing all kinds of stripping 😂
thank you caleb for stating "3 inches is huge". it made my year, i finally have hope.
Hearing that made me stop what I was doing lmao
She did not get that joke and it made it even better 😂
I kinda adore this woman so far lmao let's see how this goes
I was at the local hardware store recently. In line at the cashier, I was holding 12" pieces of wood. I've never felt so insignificant.
"Just stick it in wherever"
Awe! I don’t think she earned the title of “dumb stripper”. She just seemed like she had trouble understanding the market. She just needs the right information and guidance. She seemed genuine in getting feedback and help.
Big agree, she’s so friendly and listens to his advice. Plus she’s a veteran- honestly one of my favorite guests
And the Tax issues?
It’s click bait all his titles are over the top, I don’t blame him cuz it works
I think Caleb runs the title by the guest before posting.
@@callumdabomb292
I wouldnt say all his titles.
A lot, yes, but some do match the person. XD
As a Vegas local, her rent is a GOOD DEAL for being in a safer area!
Most of Vegas is very very rough so there are very few places to live where you are "safe".
I made the mistake of letting my younger cousin book an AirBnB. We were driving in from Lake Powell and I was zoned out until I saw a gun store, pawn store, liquor store, dispensary, sex shop go by my window. Was like “where the fuck are we staying?!” Place had bars on the windows. 😂
“A plan is a plan that you PLAN” yes Caleb, very wise
Thank you, thank you
@CalebHammer I just found your Chanel and I love it .
Thank you for teaching us how to survive in this critical times.
Needs to be a tshirt
You sound like Kamala! Lol
It’s refreshing to see someone not fighting you back when they know they are wrong, unlike the wannabe politician and past his prime UA-camr. She has a good chance to get her house in order.
GOD i could not stand that politician
truly, the nerve to go “well you werent prepared and didnt give me good advice” after 45+ minutes of reviewing finances???
That fake politician is top 5 worst guest
@@ecifircas0that one was such a hard watch. he had ample opportunity to get what he wanted out of that meeting and he chose not to and blamed it on Caleb
What was the video titled with the fake politican ? I can’t find it and would love to watch 😁
@@cece.2306 it’s called excuses excuses excuses
Paid off my car yesterday! Would of rode out the minimum payments at 16% interest if this show didn't inspire me to take my financial life more seriously. Thanks Caleb!
Currently at 11% on mine and paying 5x the minimum to get rid of it
Nice work keep up the car now and fix it yourself
I see these wild interest rates and even when my credit wasn't great I never got offered anything like that. Blows my mind that's even legal!
*would have
Good time to take up stripping 😂
Now imagine season finale with Uncle Sam trying to explain his lavish lifestyle while being 34 trillion deep in debt.
“national security”
I'd pay to see that.
"Now where did this $3 billion go"
"IDK"
Caleb "You can't just print money!!!"
Uncle Sam " Yes I can"
This comment should be pinned. 👌🏽
She’s a quality and humble person. Really felt this one it was genuine. Wishing her the best and debt free status quicker than expected.
First time watching this channel, she seemed mature and intelligent, the Caleb guy not so much. Shrieking and yelling accomplishes nothing
@Zoet50 it's accomplished him a lot so far for him and for a lot of his guests 😂
@@Zoet50his intention is to hammer home the seriousness of these mistakes and risks. Hes hoping that by freaking out on them it wakes them up to how bad of shape they're in which gives them an opportunity to change their mindset and their habits. I'm not sure if it helps or not but I'd lean towards yes. Usually not a fan of yelling and stuff but I think there might be something to the way he goes about it.
@@Zoet50it conveys the seriousness of the situation that someone who knows about finances is basically unable to control themselves at the sight of your finances
She operated a boat to transport SEALS...only after they lowered the standards...and now she is a stripper. lowering standards is what she does best.
She seems like a sweet and intelligent person, it felt like she was really attentive to your feedback and ready to make a change. Wishing her the best in the future, I hope she’s able to resolve her situation! :)
Intelligent? Not really.
Simp
It's called drug addiction.
@calebHammer please bring her back
Fact: People who are of average-intelligence are prone to being overly optimistic when assessing their own intelligence, and that of similarly-minded people. This is partially due to them using the below-average intelligence people as benchmarks, and the fact that it’s impossible to comprehend how it would be to have a brain capable of a higher level of intelligence.
I felt the "I hate it, but I love the money". Working oil and gas must be similar, lol.
But at least as a stripper you're not ruining the planet for everyone else.
@@jogandsp who do you think supports all the strip clubs in TX?
@@sstrongman1667 who TF is talking about Texas?
@@jogandsp that’s where I work, why are you so salty? Lose your boyfriend to a roughneck?
I work in oil and gas and it’s definitely not the same lmaooo
She was so refreshing. Humble, realistic, open for critism and feedback.
Ready to work er ass of. Best guest so far.
@calebHammer please bring her back
This is a great episode. “How many calculators do you go through” is hilarious 😆 Caleb just absolutely pummeling it every episode
She was deflecting... Common practice of a narcissist.
That cracked me up too! 😂
@@david5544g??
@@david5544g dude you can't take a single joke...
@@26Sundrops That was funny? OK.
I wonder how Caleb’s guests feel about the titles and thumbnails he makes about them 🙈😬
They are in on the joke
I often wonder the same thing. I am hopeful that Caleb and his guest discuss exactly what the title will be and he allows them to veto certain terrible things. The guest chose to have this experience typically knowing the show from at least one episode. I have seen ones that haven't seen the show though so I am not positive. This one made me feel wrong though, clearly not dumb.
unfortunately 'level-headed stripper has so much debt' probably doesn't get the clicks. it's all about the clicks/money.
@@inksplosiongames Hes mentioned in passing in some episodes that the guests have a general final say on what is in or out, also they are usually aware of the title and thumbnail.
Unlike Dave Ramsey, this show is purely entertainment, not informational. The "guests" are entertaining because the "work" (if you call what she does, work) that they do, is questionable at best. So it is entertaining for ordinary people to watch this and see how these people have financially ruined their lives in a Schadenfreude sense. If these were normal people doing legitimate work with genuinely good purpose who were in financial ruin, they wouldn't subject themselves to airing their dirty financial laundry in this format to be so embarrassed. A person with a legitimate career that doesn't need clicks to justify their existence, feels shame for their self induced financial circumstances. A stripper is shameless.
My boyfriend sent me your page 9 months ago and I had never opened my card statements. Found out I’ve handed thousands to them, and now I’m going into 2024 with NO consumerism debt! You’re a blessing to all of us that did not grow up in financially literate homes Caleb !
❤️❤️
2024?
@@merileehanson8434i think they mean theyre working on it and will be done around next year december.
Paying off in 2024 , 2025 starting the no debt.
Indeed😊
Vegas local here. I think she makes a great point about her mobile home and rent. She’s right that any liveable area in Vegas is like $1.5k for a one bedroom. She’s right that anything under that is in a rough area, and we have lots of those around here.
CHRISTA!! If you come into the comments, I hope you see this one! I went Marines > Stripper > and now, Nuclear (power generation side). It pays the same as a stripper and has the structure of the military, so you'll likely love it! Plus as a female disabled vet, they will preferentially hire you. Good luck in life, girl! And you're right it's cold AF in the club!!! 😂
Her disability should be taken away permanently. What a low life scumbag a low valued woman.
How did you manage to get in nuclear power if you dont mind me asking? Im still trying to figure out what i want my forever job to be after getting out of the Creme Corn lol. Im all over the spectrum right now.
@@AlenAbdulayeah idk about that one.
So you want to work on my staff..what are your qualifications?
Unzip your zipper!
@AlenAbdula prostitution is demeaning, there is shame in it
I was a lawyer for about 3 years, mostly in debt collection and foreclosure. The number of lawyers who lost their houses to foreclosure was the biggest shock to me. Don't waste a GI Bill on law school unless it's a well-ranked school with really good employment outcomes. Most of my classmates regret going to law school.
I would second these comments. I work with several underemployed attorneys who could not find the jobs they wanted after law school. Fortunately, my daughter went to a good law school and was a top student, so she's displaying the outcome on the other end of the spectrum. But with the proliferation of colleges offering law degrees, I believe she's become the exception, rather than the rule.
I'm doing OK as a lawyer, but I wouldn't recommend it because of mental health.
@@YIWOTYthis is one bonus of Oklahoma having almost NO psych doc degrees lol. Hopefully. Some day (for me)
@@YIWOTY
I’m honestly surprised.
I know public defending isnt glamorous, but there is a massive shortage of public defenders.
At this time all college has to be considered a sham w current fed government (also a sham) having hired complete inept administrators there. I’m a property inspector - so your point about lawyers - I’ve been there done that doesn’t even cross my mind. I still believe there’s a place for lawyers so I won’t consider you all most beneficial at the bottom of the sea.😂
Christa: "one of them fell out of the pocket"
Caleb: "same"
I was dying when I heard that 😂
Omg same, I had to rewind to make sure I heard him right haha
I fekkin died hahahahahah 😂😂😂
lmao thats the best part of the whole video
I actually lol’ed 😂
Watching this man tear other people apart for their finances while simultaneously drowning in my own financial problems has quickly become one of my favorite pass-times
@calebHammer please bring her back
Is this info in his audit or how do you know?
Something about her is so endearing i hope she gets in a better place
She will, she's not dumb, just gets in a little over her head. We all get like that at times, were human, it happens.
@@daMillenialTruckerlol no she won’t. Dude 1/3 of cute girls are this way they are charming but life is a disaster because they used being cute to get by always and never learned basic skills.
@@joesmith3590 bro you act like she's a 10 out of 10. Shes a 7.
@@daMillenialTrucker she is making 120k a year stripping dude you act like she isn’t cute enough to get her way. You obviously aren’t around women much get off CoD you will learn.
@@daMillenialTrucker woman literally is paid for her looks and obese trucker talks about them negatively lmao.
Her comments are funny af, great interview. Bring her back in a year, I'm invested in her journey. 😂
Its not much, but since october i have saved $1000 and paid off a large chunk of my credit card and student loans. Normally i struggle to watch "finance guys" without turning it off, but you make it so much more understandable and less uppity. Thank you for everything you do!
Awesome job!
"It's not much..." Yes. It is. Congratulations on your accomplishments! Keep it up. :)
Any and every month you can have savings go up and debt go down at the same time is an accomplishment. Saying "it's not much" belittles that. Cause, honestly, if you can keep doing that again and again, you will get to security.
❤that is awesome and showing others it can be done. $330 per month and paying off debt makes you a winner/adult/focussing on your safetynet&future.
She's so likable and humourous, she should really consider pursuing stand up. I'm sure stripping gave her a lot of stories. Rooting for her
We are closing out 2023 with the most insane episode of the year on Wednesday! Thanks for such an amazing 2023 ❤ love you all so much
Love your channel Caleb, I have seen literally every video, thanks to you I was able to create an emergency fund and wasn't worried about bills when I lost my job earlier this year, so job hunting was less stressful, Got a new job! now just to rebuild that fund and then get back to 50, 30, 20.
I think the interest rate on the property actually is 5%. I believe the default interest rate only kicks in if there are missed payments.
May be of interest, I recall a tax court case where a stripper was able to justify cosmetic surgery like a breast augmentation as a tax deduction due to their job. If she hasn’t tried talking to a CPA to deduct this, maybe worth informing her to look into
Your tone, behaviour and demeanour were overall very disrespectful.
I had to to stop watching after a few minutes, because I was cringing so hard on behalf of the guest
You really need to grow the fuck up Caleb and you need to do it quickly.
We love you more!
I did not need to start my week off questioning whether I should become a stripper or not.
Ask yourself if it's worth disappointing your parents to you. 😂
Maybe it’s not even an option for you.
@@janeandrews1790this😂💀
@@bellla333be nice. Also. No parents have ever been disappointed with a kid who retired them. Js.
@@mydadspulloutgametrashselling drugs?
Congrats on all your success, Caleb, you deserve it. You are changing lives and keeping folks entertained!
It’s all thanks to your support ❤
Joke was not cool how about u show your potbelly on the pole
@@larryzan8942oh go touch grass. It was funny. And SHE made jokes about her job during the audit too.
@@mnb1988 it why u have to read people body language she did laugh or even smile at that joke even this she said it’s okay actually she had a blank stare throughout d interview
@@larryzan8942 didn’t you hear her modesty joke with the inches of fabric rules. You are reading far too much into it. And then taking an unnecessary shot at Caleb. You are the problem
She ain't lying about rent in Vegas. It gets higher than owning a home. Those places Caleb is finding are horrible areas. Hella shady. I wouldn't be surprised also that it could be monthly/weekly hotel places which are also pretty common here.
Rent should be more than owning a home lol why would it be less?
This girl is awesome, a breath of fresh air from the model that laughs and took nothing serious the whole audit.
I made far too much money to be living paycheck to paycheck. Since my wife showed me your channel 4 months ago I’ve fully paid off my car, two credit cards (only one left to go which will be paid off by March) and $5,000 in an emergency fund. You are doing great work Caleb
How much do you get paid a month?
And you're doing a great job yourself 😁👍
@@matthewv4170 I make $115k a year. Take home is only around $6K monthly after taxes/medical and I pound my 401k though
@@Jake38nine oh we definitely aren’t worrying about impressing people. We are just working on getting to $6 million in our retirement accounts then kicking back and enjoying. Only debt we have (other than the one credit card I am currently paying off) is our home and we have that on a 15 year (down to 11 now) at a 2.65% interest rate. As the money guys say. I would rather be rich than look rich
@@ryanra44Waaait. I’m genuinely curious. If the goal is $6mil in retirement accounts, why pay off a house that is at 2.65% within 15 years when you can put that extra money into the retirement accounts? The yearly growth with that money invested would offset whatever interest you’re paying.
I guess if you already have the retirement accounts maxed with the mega backdoor roth, and the extra house payments are actually extra income. But this doesn’t make sense if you only have 5k in an emergency fund? Maybe you know something I don’t? 🤔
She comes across as someone who has a ton of potential and is willing to work incredibly hard; she just did all of this by herself with no financial literacy.
She clearly seems willing to work on these issues, if she leaves this interview and educates herself concerning finances she can still turn this around and retire very comfortably.
Hoping the best for her.
first step is get the heck out of Vegas, the place is poison
Men can afford to do what you wrote. Women usually want kids in their lives. And that changes everything. It doesnt align with this plan.
@@Robischekshe didn’t even mention kids
Navy teaches financial literacy. You either listen or you dont.
@@AE-sy1pn It's not a great lesson, maybe 30-60 min long. They spend 50% of time explaining the TSP retirement program.
She was a great guest! Seemed genuinely interested in turning things around. I hope she’s able to do so!
@calebHammer please bring her back
She is intelligent. She is intelligent enough to learn from people who know topics more than her.
She’s gonna go places.
@@vidyavisionsshe also doesn’t understand the concept of paying taxes. The only place she’s going is jail if she doesn’t figure her life out.
😂you do realize she has 210k in debt with that income, right?
@@vidyavisions well, unlike most guests, she actually makes money, so at least she has that covered. there´s been guests who owe more and don´t have a job. also, it does take talent, it´s not something everyone would do and even if they did, you still need the body and the skill. no one would pay you a dollar for you to do the same, so it´s not that easy.
@@vidyavisions i wouldn't do stripping for a living or for fun, nor do i see the point in that kind of entertainment. That doesn't make me blind to the fact that it takes a particular skill. Luckly i have a high paying job that doesn't require me doing anything like she does, but i don't judge either. I never said nobody had a job in the show. She already has the income and the willingness to listen up and get her shit together, also very few people have had that attitude on the show.
What rubs you the wrong way is that she's a stripper, which is kind of a you problem
@@vidyavisionsstripping takes tons of talent, you definitely never auditioned and tried it
Caleb having fun and making jokes is great to see. He deserves it for all the madness he deals with 😂
I am a formal ballerina who also got into stripping to make a living. Eventually i took out a big loan for studying an MBA and IT. For the past 3 years I worked in tech sales in Australia. Today im making $200k and about to become fully debt free. Never looking back again.
That´s impressive! Not many people could make such a big change, congrats and enjoy your new life.
Possibly the best episode yet! I feel like the title is definitely a discredit to this woman. While watching delusional train wrecks can be super fun, this was such a refreshing guest. Not crazy, not fighting with you, seemed open to criticism, and funny! Great episode!
Despite her situation, I actually am very impressed by her and think she will genuinely improve her situation! Wishing her the best!
Finally debt free! The weight off my shoulders is immensely satisfying. Caleb I really appreciate you helping me get my head out my ass. I have a fully funded emergency fund and a fully funded house fund and ready to buy my first home early next year at the age of 31. I really appreciate you my life has improved a ton.
I have an emergency fund and no debt other than a mortgage.
Definitely a good feeling.
She’s not the first sex worker you’ve had. The “life coach” from Texas you had on that worked 4 hours a day was actually an escort. Your followers found her website.
Is stripping considered sex work? Or am I just naive? She’s not f*cking people for money, she’s showing boobies for money.
😮
Wait which one? And where’s the website?
@@mattb1568bro you're down bad 😂
@@troythegardener lol cause I’m wondering if it’s who I think they’re talking about. I have an idea. Not interested in subbing tho 🤣
Great Guest! She way smarter that most other guests you had on before. She seemed very geniune in trying to fix her situation and doesnt reflect every bad financial decision like that one guests with the private school children
Smart enough to become a stripper.! Standards have fallen so low.
This was an amazing episode, it’s usually frustrating when people come on and act like they’re in full control and kind of neglecting Caleb. I really felt like she’s trying her best to dig herself out and I’m hoping the best for her!
Great guest, and she is not wrong on the renting situation in Vegas, its really expensive since the pandemic, also she is looking out for her safety. Also thank you for your service! I really hope she does a follow-up. ❤
Guest: "one of them fell out of the pocket"
Caleb: "same"
My sides...
As a fellow big man, same. 💀
Your sides fell out of their pockets?
@dedalliance1 testicles. It happens.
She's in Vegas...get a second job as a casino dealer. Go to a dealer school, learn to deal Blackjack, get a job at a casino, make money off tips. Good looking dealers get tipped well. Casinos open 24/7, so she can fit it around her schedule.
I got out of my doctorate program for pharmacy and since watching your show I paid off my 125k student loans and im on my way to buying an apartment for myself! Thanks caleb!
Pharmacy hmmm, lots of expensive pills 😏
Beast modeee! Congrats Mattthew! Best of luck with everything!
Actually super smart for using hotel prices in Las Vegas as a proxy to determine customer headcount (and potential earnings). Surprised there wasn't any shout-out to her social media pages (unless most other ladies/models/influencers that have been on previously)
She looks pretty exhausted. Its hard to quit a job you hate when it makes more than alternatives.
And now she's in a spot where it's very unlikely she even can with all those debt monthly payments and back taxes.
Sadly
🥲it sucks
Irresponsible and getting $2k a month tax free.
She did zero research into school as well. She could have used Voc Rehab instead of wasting her money on undergrad.
This girl is hilarious, that "if i'm feeling modest" killed me. Way to go Christa!
The comment sections always passes the vibe check. Love all the like minded people who know when to call people on their BS, know when Caleb needs a little extra support, and know when to congratulate guests for the right reasons. Thankful to you Caleb, especially thankful to all of you who interact with Caleb's content in a respectful way.
She is collecting $2500 from the gov a month on top of not paying taxes on income. Comments are wayyyyyyy to nice imo prob bc she is a sx worker and you cant criticize them
@@Cumtopia18she's getting her bread, idc how she does it. Good for her
The devastation on her face about her mortgage rate was so sad.
There are some other comments about this, but it might be that she did in fact understand it correctly.
I really hope Caleb or someone on his team goes through these points more carefully outside of the show, I hate seeing bad info given out on student loans (he did not characterize interest on the SAVE plan correctly in a previous episode) or the mortgage here.
Even if Caleb was correct, he could make these episodes so much more informative for helping others if he could explain it clearer rather than move so rapid fire to the next outrage.
Definitely not dumb. She was humble and didn’t argue or make excuses.
Being $100k in debt to the IRS is pretty dumb.
I love this woman! Smart and gorgeous, definitely goals! Hope to see her back on, killin it.
Caleb thank you for being yourself. You are part of the reason that has inspired me to start my own UA-cam channel.
Good luck my dude!! ❤❤
He's just bought a new camera with a pay day loan and rented a studio
@@matthewv4170 😂
@@CalebHammer thank you Caleb ❤️
@@matthewv4170lmao
I love this channel. We cut back eating out, unused subscriptions, started meal planning to eliminate extra trips to the grocery store during the week… and we saved about $4-5k between September and December. We don’t have alot of debts and we just bought a car in cash.
Caleb! I recently picked up a second job, and have now paid $3k in credit card debt, in just six weeks. Still got a ways to go, but thank you!
WOOOO
Where she work? Let’s knock this debt down together
that's what I'm sayingggg
Just don't put yourself in debt along the way 😂
lol
Same let's go
Somewhere in vegas
One of my a favorite episodes. I might be biased because she's a fellow veteran, but I think overall she has a good head on her shoulders and is a go-getter type of person. She just needs a little more education in finances.
She should definitely have a talk with a VSO at VFW she is a part of to make sure she's being rated by the VA for everything she is eligible for. Also, make sure her conditions aren't under-rated. On 2 separate occasions the VA has under-rated me on conditions. It wasn't until I challenged them and pointed out the rating schedule in their own regs that I got bumped up to the appropriate and accurate rating. After talking to multiple veterans, it is a common occurrence. The VA very often low balls veterans. I encourage all veterans to take look at their rated conditions and the VA rating schedule for those conditions.
Just as many people are gaming the system so don't blame it on the VA it's their own battle buddies causing it. No deployment No action but have 100% and still work full time. Bullshitters
I hope she sees this!
Caleb has had 2 guests on this show, prior to this episode, who he talked with so well - I honestly thought, "He just found his co-host!" She is now guest #3. I would watch or listen to a show catered around financial content and their banter/conversation. One knowledgeable host, one who's learning and bridging the gap for people who dont quite understand. And, from the sounds of it - she's more handy than him. Could be a fun mix. She was an interesting guest, but in a good way. Another great audit!
that sounds like a great show to watch!! im curious about the other guests you mentioned, i dont watch his videos in order so do you mean the two guests before her?
@lana-cloud hey, sorry - just saw this. Yes, the guests were in order. One was his former intern on the show. They had a nice big brother/little sister vibe going & I'd need to dig back through the episodes for the other one. I'll post the link for the old intern one.
@lana-cloud this was the one with his old intern >> ua-cam.com/video/3Ny3vUtsxdc/v-deo.htmlsi=CjTuCnVMHUqELg88
@@lana-cloud and this was the other one (it was a couple) >>
ua-cam.com/video/931lB6EhexA/v-deo.htmlsi=84Az4V6cZP8uW53m
@calebHammer please bring her back
I don't like the clickbait direction Caleb is taking with this channel recently. Financial Audit is interesting enough without pretending every episode is crazier than the last and putting mean spirited titles and thumbnails over guests who are really quite tame.
Agreed
It’s literally always been like that. And as a UA-camr, he’s constantly trying to get new eyes on his channel. I think he’s smart for doing it.
Instead of complaining about something that dumb, how about you just ignore the title of the video ? 🤔
You still clicked it n watched
@dustinmarry4993 audience retention is a thing, idk if you're aware of it. Gaining a view through clickbait and saying "it works" is incredibly short sighted...
AGREE!!!!!
This channel is amazing. I watch it when I am feeling myself slipping. I try to picture myself in the chair, and it helps get me back on track. I have also realized I have made some really bad decisions thinking they were good. Here's to slowly correcting them.
Glad Caleb is keeping you in check! Keep up the good work.
“Unlike education, tits make you money” unfortunately, that is true in our society
Yeah she had a point.
Umm… hold my Nursing degree 😂 ($125K this year). But there is SOME truth to her statement.
@@jasonbournetodieshe makes the same amount without nursing school debt…
@@ShittyMcPoopyBalls and only works 12 hours a week...
no, she just got a useless degree. study something valuable. it isnt that complicated
The mobile home was a great idea. Who cares if it's depreciating she's spot on one year rent. Very smart move.
I'm 20 years old and these people just blow my mind. Half of them make plenty of money and are still in horrible debt.
Hey man these banks will throw money at you if you make decent money but people don't understand that they HAVE to give it back and that time frame to do so a lot shorter then they think
I don't understand how they ignore paying taxes. You will pay.
A vast majority of people step up their spending habits as their income increases dis-portionally , ei get a $10 raise? lets go buy a 50K car!
Half stupidity, half "i'm finally free from parents with my own money" binge spending. I'm 22 and had to pay off 5K for autoschool even thought I was given a grant. Missed a week due to personal reasons and got dropped from class which in turn got the grant taken. Doesn't matter if there's a notice or not, you fall under hours, that's it. The world is weird and definitely not on our side but also not directed at us personally. Everyone would get screwed if they didn't pay attention. Learned that one the hard way.
@@amoose8439easy to vote for higher taxes when you dont pay them.
Great initial show. There needs to be updates to hold them accountable. Update after a month, 3 months, 6 months and a year to see where they’re at.
“ why did you even tell me” 😂😂😂😂😂 this is going to be good
Haha
I mean, he did ask like four times. lol 😂
She was a fun guest. I hope she gets everything straightened out sooner than later. Be nice if the military could put in sone kind of financial education course as a part of readiness. You got this Christa!
the military offers all sorts of financial education; for starting, during, and leaving the service
doesn't stop people from acting like fools.
They do.
I was in the Canadian army and they really prioritized financial literacy and provided lots of resources to help, as well as interest free debt consolidation, many people were still horrible with money and didn’t care.
The military already offers financial education courses.
It'd be nice if *high school* could put in sone kind of financial education course. The only thing you get is Polonius' advice to Laertes ("Neither a borrower nor a lender be") and most kids don't pay attention to Shakespeare.
Initial title was pretty harsh lol gave it a second chance when it popped up again and it was a great episode. No annoying excuses like some of the previous guests. Straight to the point. Youre videos have been helpful in handling my finances, especially with 50 30 20 and consistent payday investments into index funds, appreciate it Caleb!
She seems to have a decent head on her shoulders outside of financial ignorance.
Making $140,000+/year and having that much debt is bonkers.
Yeah she should be investing into ETFs/index funds like crazy and she'd be fine whenever she quits stripping
Oh she’s not dumb at all! She’s one of the most intelligent guests you had on the show in my opinion (another proof that PhD doesn’t make you clever automatically). Wishing her success and I hope she can “retire” and maybe work in some kind of [legal] entertainment but not butt naked anymore :D
What she's doing is legal and even she said it's not full nude..??
what does this have to do with doctorate degrees?
@@KL-gg5sb I did not say she IS doing it, I said I hope she would not ever need to start doing it.
@@jones2277 this part was referring to some of the previous episodes.
@StaciaBielka she's in over £100k in debt. That's not intelligent
Caleb, thank you so much for this series. I used to be so afraid of my finances that I couldn't even bear to look at my checking account, let alone my credit card statements. Now I look every day, and not just look but analyse! Because of you I was brave enough to find THREE recurring charges that I didn't know about and get fully refunded for the YEARS that they have been charging me without my knowledge. I can't wait to knock out my credit card debt, and it's truly thanks to you :)
After she said she stripped old furniture, I couldn't stop thinking she was actually stripping in front of it, then selling it. I laughed at the ridiculousness, then cried cause that's probably a thing
She should probably market that and create a third income flow
Just in case, stripping furniture is the equivalent of flipping a house. So basically, buying old/damaged stuff, fixing/sanding/painting it and then reselling it for much more.
Okay, this girl here, she's got good energy. Good vibes from that one! Kick ass!
She and Caleb have a great rapport going. She’s likable and witty! And she didn’t mind Caleb’s silly jokes.
Strippers are good at talking to nerds
Or maybe, they’re both just likeable people.
Whenever there is an episode where the person makes around the same as I do, that when I really grasp what a difference making good financial decisions can make. I am extremely grateful to have found this channel.
same, it's so much easier when your employer does your taxes for you
Been managing strippers for 5 years. This job is HARD. Physically and mentally. I feel for all who do it.. and it is hard to leave. I really try to get them to leave by 3 years, make as much money as possible and save save save. Thankful people in the comments are respectful
That's awesome of you!
I personally believe the maximum cap on stripping as a career is exactly 10 years. You should have at least an apartment that you own, a car and no student loans or credit card debts by then.
@@tkatrich3 10 years is A LOT to go through. This is a very hard place to spend 10 whole years in, and it just isn't realistic. If it was better all around, sure i'd agree. 3 years may seem short but this industry is killer. For these girls' sake this is merely a stepping stone, don't use up a decade of your life. Money at that point is not worth it. Trading opinions here, totally respect yours of course
Yeah, I think you’re the disrespectful one, considering you’re a pimp….
Manager? Your a madame. Nice try
She’s a good person I liked watching this one…praying she kicks this debts ass ❤🙏🏾
I also studied sociology. As an overweight short guy, stripping wasn't an option, so I had to go back to school to become an accountant to make money. And, weirdly, the "accountant" moniker is often used by sex workers to hide their true profession.
Anyway, I'm glad there's another sociology grad out there making bank, even if they had to go down a road less traveled.
Edit: jic people aren’t catching onto the sarcastic point of my original comment. The guest talked about how the only way you can make money as a Soc graduate is by stripping. And that’s largely true, most people can’t make money as a sociologist. They usually end up doing something else.
So, the guest responded by becoming a euphemistic “accountant”. And I responded by becoming a literal accountant.
That was creapy.
@@david5544gur slow cant even spell creepy correctly,,, now thats creapay
The joke made sense 😅 I have a feeling a lot of these commenters aren’t aware of secx worker jokes 🤣 for anyone that didn’t get it, usually if someone asks what you’re doing for work and you don’t want to disclose you’re a secx worker, maybe it’s a relative asking, you’ll say ‘oh I’m in accounting’.
So you spent money on a useless degree. Smart... 🤡
I got the joke and thought it was funny 😂
It’s amazing to hear the stories of people putting their finances in order and having the motivation to suck it up now and place their future and children’s future in much better spots. Great to see the good that comes out of bringing poor financial management in the open.
When I worked at a credit union we had strippers come in with their earnings and the majority of the time their checking balance was below $200 and NOTHING in savings.
Sadly, the money goes as quickly as it comes.
This was one of the best episodes I watched. I look forward to seeing more guest like this.
I oooooved that episode! So much fun and laughter + a really nice girl sitting and seems like learning from you. I wish her all the best! Thank u Caleb!
I wish personal finance was a class in highschool so people didn’t ever get this far / didn’t need Caleb…but we appreciate ya thanks Caleb!
personal finance is a class in a lot of high schools, the kids just dont care to take it 🤷♂️
i do think they should be required for graduation tho
@@ecifircas0 yeah I guess required is what I meant bc most wouldn’t opt to take it
@ecifircas0 it was a graduation requirement at my high school
Unfortunately even if it's a required class most high schoolers will not pay attention and actually retain the information
Not gonna lie, what this woman did with the trailer park living on the cheap is a pretty neat idea.
it legit was a smart financial decision which makes everything else so baffling
Ya, Caleb seemed pissed off cuz it was so smart. He kept trying to poke holes in it but he just kept sounding stupid so he had to stop. Then all he could do was disparagingly tell her she lived in a trailer. This move makes me think she is probably on the right track with her Airbnb as well.
@@wherezenith2856 That wasn't it at all. She had to put out the $20,000 on an asset that not only will depreciate (mobile homes are not the same as houses, you don't own the land that it sits on), and she's responsible for all of its upkeep. What if tomorrow the furnace in her mobile home went? That would be something she would be responsible for. What if the roof had to be redone? Another thing she would have to put money out for. When she's renting, that would be something that would be taken care of for her. Sure her rent and utilities only come up to $650 a month or so, but if she was able to get an apartment in the $1300 dollar range, it would take almost 3 years living there to break even on that $20,000 spending no additional money on the trailer at all - including her lot fees not going up. Which, as someone that owns a house, is impossible. Especially when you're buying it for $20,000.
@@chantalwiebe534if she paid 20k for it, the original owner likely ate the majority of the depreciation. If it’s a true mobile home, they are often 100k plus new. She’ll never get 20 for it, but it probably won’t go down too fast. It’s like buying a 6 year old car.
@@BradDiBenedetto even if it were the case that it only did lose half of the value, a house never only costs the cost of the mortgage plus bills. There are so many other costs that come up that you don't pay when you rent.
I love this it helps us to understand how easy we can take the wrong turn
I love this episode, she is such a breath of fresh air compared to the previous few
fun fact, a minivan with 3rd row seats and when you fold the 2nd/3rd rows has ~144 cubic feet of storage space. which is probably just as much if not more than most trucks nowadays; and is roughly half the MSRP; and you'll have greater gas mileage.
She said there was an accident, so it sounds like it was totalled/too expensive to fix...
It sucks seeing a sister in arms struggling like this. If you read the comments I’m begging you, go talk to a veteran service officer (VSO) in your area, someone at the VFW should be able to point you in the right direction. You’re leaving benefits you earned on the table. You are getting destroyed by that mortgage when you could’ve gotten a VA home loan. You’re disabled, the VA has rehabilitation programs outside of the GI bill that will help you. Speaking of your GI Bill, USE IT FOR UNDERGRAD! Your plan to “save it for grad school” clearly isn’t working. Go get your bachelors, the housing payment will more than cover your mortgage…you can even look at it like your second job. Vegas’ BAH is $1.8k a month! If you get your ducks in a row, you can use the aforementioned rehabilitation programs for your graduate degree!
Making 12k a month and making bad decisions isn't struggling. She has a job and everything she just didn't make good decisions
Calling a stripper a sister in arms is crazy lmao.
@knightfox4121 pretty sure she was referring to her being a veteran, not a stripper
@@knightfox4121A stripper in Arms
@@knightfox4121 The fact that she is now working as a stripper does not negate her military service, so yes, she is his sister in arms.