Him helping her this much is exactly why he's bad at money lmao dumping this much money into someone that is seemingly bragging about it as if it's her own accomplishment seems like a bad financial decision but maybe just me
@@TachibanaTengoku Maybe it's a "bad financial decision," but your own child shouldn't be thought of like a house or a stock. Even if it's risky, investing in your child's future is your duty as a parent.
@Sullivan you can invest in your child's future while still trying to teach them a sense of responsibility and financial independence. When your child says they are proud to be debt free when they have never actually had to take on debt or live independently means they have a distorted sense of reality.
"I have no debt and I'm really proud of that!" A huge reason she doesn't have debt is because her dad is paying for most of her expenses. It's great when parents help out, but you've got to realize when you're speaking from a place of privilege. Instead of being proud of something that you really had no part in accomplishing, be grateful that you're receiving assistance from someone who clearly has a tremendous amount of love for you. It's okay to be proud of your parents, just don't try to pass of their accomplishments and sacrifices as your own.
The magical modeling account that she doesnt know the balance of but pays for big ticket items is also possible a way for her dad to "launder" (not in the tax sense) money into her finances so that she feels like she "accomplished" paying for these big ticket items while her dad being able to supplement it without her knowing. This is how some people can later claimed to be "self made" through willfull ignorance
She’s a prime example of the “child with promising future” to “immature adult” pipeline. The parents see the potential, take on the majority of responsibilities so the kid can focus on their studies and future and then when the time comes, the kid is left with all this academic knowledge and zero life skills or practical knowledge. You see that with a lot of child athletes as well.
@@awsome14619 I definitely agree, I loved my uni experience. But in order to get that ROI, you have to be able to function in the workplace & be an adult. Being academically gifted will not help you when you have zero experience with personal accountability, consequences of your actions, etc. I’ve worked with a few people like this and they usually left once people started holding them accountable for missed deadlines, unattainable project proposals, etc.
Funny enough doctors are notoriously bad with money and many live paycheck to paycheck not because they don't make enough but because they fall into lifestyle creep after the first couple of really big checks hit their account and slowly begin living unsustainably expensive lifestyles@@awsome14619
It’s kind of astounding that someone who thinks opening a new bank account is “too much work” is gonna go to medical school to become a surgeon? How does that work lol
She says the majority of her income comes from the ER but then said she only works 2 days a week at $16 an hour. That doesn't even come close to 15% of $7,500
This is why second generation wealth can easily disappear. She is getting 75% full ride to college + a full ride to med school and she still has interest charges. Her father is a successful attorney but didn't teach her basic financial skills. Most people in her situation including myself would be equally as reckless because she does not understand the value of a dollar because everything has been given to her. I mentor youth in my community from various economic backgrounds and I see the lack of appreciation for the dollar as well. But as my dad taught me I spend a good chunk of the class going over finance with them even though they are 12 to 14 years old. Kudos for her being willing to come on the show and hopefully this is a teachable moment for her and other people in this same situation.
This also shows why most "self-made" millionaires are kind of misleading. Yes, they may not directly get an inheritance(like Dave Ramsey likes to point out), but background stuff often gets overlooked. If we were all able to live rent free, get most of college and all of med school paid for, we'd all be millionaires.
@@panzer_TZ spot on. Even if she recklessly spends she’s got rent paid and tuition paid easily adding up to 300-500k by the time she finishes med school then can make 300-400k after her degrees without having debt and have 5+ years of 15% of her current salary going to her 401k as she said. Even if she lived on ramen noodles thru med school she is avoiding tons of debt on the path to making more than 99% of American’s.
@@Ruffles2012 i hope so but as I mentioned above though some do but many of my fellow millenials and now gen z don’t. Her wealth and safety nets make it difficult to change. I see people my age in their early 30s making tons of money and still not spending it wisely.
She came on your show to spread her social influence. Her character and demeanor seem to be out of the influencer playbook. That slight narcissistic attitude creates enough intrigue for people to want to dive deeper into her life and see what she's like. Looks like those influencer classes are paying off.
@@nelsonsamuelsanchez who knows what she said to get on this show. I'd still say this show is genuine because his advice is still sound. But it seems he has to put out more content to keep up with demand and to make it worth it.
Was just able to purchase my first home yesterday, Caleb! Thanks to your insane ability to scare me about my future, I got my finances in order and was able to offer on a house yesterday while having no outstanding debt. I’m so confident and excited for this path partly thanks to your videos. Thanks!
I commented above, as a doctor myself I’ve been surrounded by people working paycheck to paycheck and some more than one bankruptcy!! When I watch this I think my salary is 4-5x as much as pretty everyone I’ve seen on here but the same stress is there-$ does not fix poor financial intelligence you just add decimal places. Also she has one yr left I’m not done watching so I’m curious want to hear some grades-3% of pre-meds get into med school she better be rocking a 3.8+ and high mcat scores. She seems to act like everything is so easy- world is going to smack her down like it does all of us and I fear for her- it’s just been so easy for her so far.
This episode is the perfect example that financial literacy and discipline is the only thing that matters. If this girl changed her mentality she could be so far ahead.
She’s a premed student on a path to a neurology career, her daddy finances her life and she has lucrative ad contracts that earn her thousands. How much further ahead is she suppose to be, her life is on cruise mode
You can tell throughout the entire thing that she’s in the oldest years of Gen Z rather than the youngest years of Millennials - as the latter, I can translate her delusion: “yeahhhh” = “I’m not going to do that”. “That doesn’t work” = “I have zero accountability in my life and I don’t feel like changing that”. “Like” = “this just gives me an extra second to come up with some manipulative bullshit answer that makes you stop talking”.
I find it funny how they are talking like she is already guaranteed to become an orthopedic surgeon. She first has to get into med school which is incredibly competitive. Furthermore, she would have to graduate near the top of her class once in med school to get into any sort of surgery residency...So banking on that is very risky and unlikely, probably equivalent to becoming a professional hockey or football player.
Someone said the people who come on here don’t want financial advise they want exposure and clout and after seeing her jobs I see that person was correct
I don’t think Caleb’s sub would be interested in half the content these people create lol, according to 3:43 she had 11.6k followers on IG, 2 hours since this has been released she has 11.5k now
@@desertrose00 she's ridiculously spoilt. She absolutely has no idea what it takes to work hard for something and have to depend on yourself. Shes not relatable, and that's what gets those early followers
The saddest part is how she limits herself with labels like, "I'm too impulsive. I have a spending problem. I like spending." It's one thing to know your weaknesses, but it's another to move past them.
It's a self defeating prophecy. By self labeling she will unconsciously identify with those very labels, and that will be the biggest roadblock to overcome
She claims she makes $7500 a month and most of it comes from her $16/hr job. Even if she worked 40 hours a week she'd only make $2500. Something doesn't add up
She isn't making 7500 a month. You can tell she is bullshitting when he questioned her on that, she was getting fidgety and was all over the place. She isn't telling the truth.
People who overspend and "love to shop" are really just trying to fill that empty space in their life or trying to find that one magical thing that will make them happy. "Maybe if I buy these shoes, I'll be cool and everybody will like me." Its sad, but true. Things are just things and they don't make us anybody different.
She says she's going to be an orthopedic surgeon .. well it was a pediatric neurosurgeon (🙄).. but she's just finishing an undergrad.. she's not even in med school or residency.. and she's planning to take a "gap year".. I doubt a lot of people who are actually motivated to go to med school, take gap years and move home ..they push on with their studies. She's acting all high and mighty about her "lucrative FuTuRe CaReeR" but in reality, she's just a 22 year old undergrad lol
I think it is absolutely wonderful her father is able to provide for her like that. However, her current mindset is exactly why I told my husband our children will not know we are paying for school until graduation day. Young adults need skin in the game and accountability. This is the time to learn responsibility while the parents can still give advice and help instead of later in life when parents are gone.
I had 2 children finish collage a one working on a masters. Both have good jobs in thier degrees. I paid nothing towards thier collage and they have no collage dedt. It can be done if you pick the right field to go into.
This is such a prime example of wealth inequality. When you're from a wealthy family you can be completely financially illiterate and make a ton of mistakes. But because you have a safety net your life will be virtually unaffected. Where as other classes can't afford to make mistakes without it potentially destroying their lives.
I'd buy it, dumb girl seems to be obsessed with image, wouldnt even surprise me if she ends up not being a doctor. Especially orthopedic surgery hahahahah that's a harsh field.
My brother in law just finished medical school. She's dead wrong, she won't have time to do anything but study. I hope she matures in the short time till then because a bachelor is a joke in comparison to what she's getting herself into. Also she should be careful how she presents herself online, it'll come to haunt her in her professional career.
Yes, for someone who's about to enter med school, she's not particularly articulate. Also she came on a platform to participate in a video that will be watched by thousands of people, but nothing about how she presented herself reflected that. It looks like she rolled outta bed... she could've capitalized off this exposure, but she didn't do anything to her appearance that would've stimulated interest in following her on SM.
@@MPPG663 Its risky business. She’s an adult at this point. Her immature videos will surface at some point, either in medical school or in her career. It could be a serious road block and gaining coworkers respect will be near impossible. People with her level maturity generally have lower expectations in life. She should really evaluate her online presence whether it’s worth jeopardizing her future career over. I wouldn’t be saying this if she said her dream job was in social media. You’re expected to be professional when you’re going into a professional field.
Imagine the horror of finding out that your surgeon, the person you are allowing to stick you with knives and drills, the person you are placing your life in their hands; has a part time job taking pictures of their butt online
@@Vlad_183 Exactly, she might really be good at her future job. But try convincing the hospitals head physician who's published a dozen research papers and holds multiple licenses of your worth when they've seen this side of you.
Any free time she does has should be spent working on improving her speaking. Her saying “like” every few words is annoying. Imagine her explaining a procedure to a patient, “I’m like going to need to like place pins in like your femur.”
One of my best friends is a doctor.... he has zero and I mean zero common sense. When people ask and he says doctor people are shocked. So I bet she will be fine
It doesn't matter. She's been washed in money since she was born. She'll always have that. At 35, the light bulb will click, she'll do one or 2 trending things (think airbnb circa 2015), and she'll be wealthy and "retired" by 40. It's the life some people live.
Caleb, I love that you remind people not to bank on a boyfriend/girlfriend. You always factor in a breakup if they're not married. You also stress the importance of combined finances for married people. Too many people in their 20's and early 30's are buying houses with someone they aren't married to. They could end up (and often do) dealing with the financial ruin of that for the rest of their lives.
Love people that say they will be a MD/DO and before they get into school have these plans to become the highest paid physician (Neurosurgeon/Ortho/Dermatology). Caleb should pull out statistics of how many people get those positions. While I was in post grad school I met many medical students who had similar aspirations but after their 1st board exam they flipped on a dime to primary care. Talk to these people like you do others with pipe dreams and discuss the likelihood they won’t reach the 300-400k salary position
Also, med school interviewers hate it when you come into the interview and into medical school already knowing what field they want to go into. Because so much changes over 4 years of med school. Also it wouldn’t just be 4 years med school, 4 years residency, then boom, $400k. She would need a fellowship if she wants to actually do ortho, too, so add another 2 years.
Yeah well that and also those hard specialities have limited residency spots usually, so it’s very competitive. Some people just want to bank on something that won’t be 5 spot residency.
As Caleb said, she is going to simply "lifestyle inflate" herself". If she completes med school and gets a $500k salary as an orthopedic surgeon, she will no longer just be treating herself to clothes and photo shoots because they are "fun"....she will be treating herself to "fun" things like multi-million dollar homes and the latest luxury automobiles. Keeping herself "busy" with work will only result in bigger spending as a "reward" to herself for not spending as frequently. If her dad's money ever dries up or his practice ever goes under, she will be in for a world of financial trouble.
Guys she literally has a “gofundme” page on her Instagram asking for tuition money 🤣. Unbelievable. She makes more money than most of us and because she has no discipline she makes a gofundme.
She’s obviously not taking any math classes. No way in hell she’s bringing in 7k+ a month after taxes “mostly from the ER” making 16$ an hour working 24 hours a week
21:05 - that service she’s paying for is “organically growing” her TikTok with bot accounts. Essentially, she’s purchasing followers, but the company she used markets it under the guise of social media management. Despite her protests, I am inclined to believe that she knows what’s up with that charge on her statement.
In a male-dominated society, the men in her life (boyfriend and father) SHOULD be helping her financially through life. The gender pay gap really sucks, it really stops us women earning a decent living.
@@paulinejackson5861 The pay gap is a myth and anyone with a smidgen of critical thinking skill and a brief look at the data knows this. When you compare apples to apples women actually make slightly more. The fact is women in general put less time into their careers and their wages show that. The ones making less ALWAYS have far less working hours than their male counterparts. You have swallowed propaganda I'm afraid. I hope you'll take the time to look at the data. It's been disproved many times.
Her excuses for everything were driving me insane!! It’s like she doesn’t want to fix her bad habits at all, she’s comfortable because her dad is successful and she probably thinks she can just fall back onto him, smh
She doesn’t think she can fall back on him, she KNOWS she can. Which, is fine. That’s a blessing. But her character may be finished because of this crutch she has internalized. I’m sure if need be the father will be harder on her. Medical school doesn’t allow for the type of work ethic she seems to be portraying here, for “when the going gets tough “.
she wont change it. She thinks she is pretty and she will find a guy to take care of her financially like her father has. She will never graduate and be a single mom if she doesn't change her ways.
No, its not that she doesnt want to fix her problems, she never has need to and no one has ever held her accountable. There is no way I would ever let her cut on me as an ortho doc, she doesnt have the mentality. She wont make it past the first year in med school.
She literally said she works two days a week at the hospital making 16/hr . Then turned around and said most of my 7500 is the ER , I try to work there as much as possible lol .
@@mattdogsss yup. Makes $200per shift twice a week. So $1600 a month but yup, most of $7500 is from that. If she said she makes a Walmart post once a week and had 100k followers that would be more realistic but this is all BS.
As a medical student some of this makes me want to scream 😅 some medical schools explicitly forbid students from working, and your time in the hospital is absolutely unpaid. Honestly if she’s considered instate in Texas she should likely not go home to Chicago for a year. Texas has the cheapest medical school application process in the country through TMDSAS, the lowest instate tuition and a requirement to keep most of their class as Texas residents. As an M1 the average weekly hours required to do well per our curriculum committee is 62 hours. Unless she’s working 100+ hours at the hospital there’s no way she’s making $7500 a month working as a pre med at a hospital making $16/hr. Also hope she’s making time to volunteer or do research to fit her aspirations..
@@Mattie_Ice ya but it’s a huge slap in the face when she’s just… such an idiot 😂 like there’s so many people who deserve that position in life but she just got waltzed into it and subsidized everything, no struggle, everything to her is “a lot of work”. Like ya bitch life isn’t just shopping at lulu 😂
I think she can try the envelope system for a month with literal Monopoly money. If your budget is 400 groceries, put 4 orange hundreds in the envelope. Then you spend 300 online and then you take 300 fake money out. You do this for everything and match your purchases. If it doesn’t work then it has to be the real, traditional envelope system.
@@Jajaky for some people, sure. I agree with Caleb, I don’t even think of cash as really real. I rarely have very much and so when I’m occasionally forced to spend it the expense just sort of disappears into the ether. I like the idea of Monopoly money for her because it gives her a physically tangible visual representation and reminder of where she’s at in her budget. It forces her to actually think about the impact on her budget when she spends something. If she sees that empty envelope in the middle of the month, she’ll feel the pain of not being able to spend for two weeks. It’s a good idea.
@@adamseidel9780 yea I’m the same way cash is kinda whatever to me. But for people that aren’t like us, I wonder if anything less than handling actual cash would even do anything for those people. It really needs to SHOCK these people in order for them to change. The feeling of spending real cash needs to be visceral and brutal for them to overcorrect their horrible spending. I mean, you can pay for Amazon with cash. They have that service
@@adamseidel9780 like if she can give excuse after excuse with her cards, what’s stopping her from running out of monopoly, and just creating more excuses. When you’re out of real cash, game over you lose. You literally CANT spend anymore. Monopoly is good if they have self control, and if they did they probably wouldn’t need to do any of this. I like the idea, but I’m just not sure if it would really work
@@Jajaky you can still spend money without cash, she’s still going to have debit and credit cards. And if cash is meaningless to somebody… how is it brutal to spend it?
My sister’s a doctor. My parents went bankrupt when we were kids and none of us have had any help with anything. I was kicked off my parents insurance at 18 bc they went into Medicare. My sister would always talk about how in med school almost all the pre med students were rich kids who could afford tutoring, afford med school interviews, had connections and were incredible entitled. I don’t know why I’m shocked but lord, if you are lucky enough to have help financially my gosh take advantage of it! Don’t waste it! Med school is so competitive, don’t divide your time if you truly want to be a doctor!
@@bexyrexy Yeah, it is..but the truth can be mean sometimes. She is wasting money on something that will never be a viable career for her. The ROI is negative. She clearly is intelligent and was blessed with an impeccable supporting cast. People need to quit lying to her and help ground her in reality.
It’s so frustrating feeling like you can’t go after dreams because of your financial situation and then to see someone so flippant about money and their situation. Why even pretend you care about budgeting when your response is “I don’t think it’ll work for me”. Just continue on with your privileged life without complaining to the rest of us.
Caleb has a level of patience that i could only HOPE to obtain because about halfway through i would have flipped the table and ended the interview because she doesn’t seem serious AT ALL!!
She's either lying about her income amount. Or she's doing something she doesn't want to admit publicly and saying it's from the hospital. The math doesn't even come close to 7500 a month, which she said was the majority of her income. But that's not why Caleb makes the videos.
@@pat-orl ya I think she’s lying? Or just stupid? It’s almost like she doesn’t realize 7500 a month is like nearly 100k, there’s no way that’s feasible when I work 40+ hours a week working at Walmart for 17/hr and I struggle to put any money together, unless she’s making like 7k a month consistently On her “brand deals” there’s no fucking way she’s making 90k a year
@@Mattie_IceI want to do the math. She does 2 twelve hour shifts per week at $16/hr. That’s $1600 a month. And yes, she said that its a majority of her income. She is off by a factor of 3 at least. I wonder if she is counting loans or grants or family support? So that’s why she is in trouble. She thinks she is making $7200 a month and spending like it but is really making $3200 a month.
I love the little editing touches in these videos. I don't know what they are called in the editing world. The zoom in of Calaeb making funny faces and the "She's aware" text added. Those kind of things are really nice additions and really serve to make these videos more entertaining.
@@juanshaftpatel7488 But then who would cut your grass or take out your garbage? That's a serious question. Society requires masses of unskilled laborers or it wouldn't work. You clearly didn't think this one through. Strange as you insinuate you're successful. Good luck buying food when all the poor stop breeding and go extinct. I highly doubt you're capable of producing your own.
@@okgroomer1966 the serfs of course.. we can breed just enough to produce what we need.. but in 2023... most of them are just burdens especially with automation and machines... look at slavery, blks in bulk werent really needed once tractors became a thing.. and other than ball players and entertainers, most are just the dregs of society.. tell me im lying
@@juanshaftpatel7488 I get your point, but it's far to great a generalization. I grew up dirt poor in W. Virginia but we survived on our own without handouts. Now I'm a moderately successful taxpayer. What is needed is consequences for poor choices, not a genocide. The lazy will die off quick enough
Hi Caleb! Long-time listener; first-time commenter here. Have you ever considered uploading the audio from these financial audits onto a podcast platform? I travel a lot and would love to be able to listen on the go. Thanks and good luck on your way to 200k followers!
She MIGHT be making good money after graduation. Ortho is one of the most challenging specialties to get into. There's no guarantee she will be accepted into a residency. The competition is intense, to say the least.
Lol so she paid to be an influencer and her dad paid for college. This girl is soooo privileged and has all the chances to become super successful I hope she matures and grows.
Caleb, congrats on 100k!!!! It’s been so awesome watching your channel grow - it’s very well deserved! Appreciate you and the awesome, educational, and entertaining content you put out! Quickly became my favorite YT channel! Keep killin it!
Her dad is doing a great job financially supporting her daughter! The misogynistic world is tough for a young woman like her. Think gender pay gap and workplace harassment!
Awwww no. She’s very young. She’s still living in a persona of her friends. Doesn’t mean she can’t turn it around. Maybe after watching this she will be more self aware
These younger adults are so blessed to have this opportunity. I’m 31, followed the Baby Steps to pay off about 38k of debt, cashflow our wedding and save 120k for house deposit. Since we’ve bought I have definitely fallen off the wagon, no debt but silly spending. Watching you has made me financially conscious again and I love it. Really wish I had these tools in my 20s, never invested or even knew it was a possibility for me.
I’m about to have a daughter, 27 years old. I have 2 jobs but have trouble being financially responsible. I would love to do an audit with Caleb and wouldn’t mind driving from Houston to Austin. Been a fan since he had 10k subs
If you don't have college id seriously look into the skilled trades. I'm guessing having 2 jobs both are in the service industry? Start a apprenticeship and within 5-10 years you'll be approaching if not over 100k a year area depending. Journeyman electricians in my area won't get out of bed for less than $40/hrs. I'm a high-school dropout and haven't made under 100k in many years.
@@okgroomer1966 yup Kids need to learn the that tech high schools are the way to go in life. Most kids pick a school that they feel they will be “excepted in”. Got a friend that went to a public HS and right when he graduated he went to college for plumbing, I was like cmon Man U should’ve used your head and got eduction for free in HS
@@pabloescobarschanclas Because sometimes it happens. Maybe, rather than tear her down, we should encourage her to keep bettering herself. Just my two cents.
It’s so irritating. I hate being that guy that’s like “your privileged” but omgggg. No struggle whatsoever, she just got waltzed into some career path and had everything subsidized, and somehow pulls 7500 a month for 24 hrs of work and posting pics online 😂 what is this generation
Lack of personal responsibility extends to all people regardless of privilege. So many Financial Audit attendees are not as wealthy, pretty, or smart and blow their money like this chick.
@@300zxss shit hurts to see dude, the amount of families that would kill for the opportunity to make 7500$/go to medical school/ BOTH is insane man, she’s wasting such a lucky life with clearly factually bad decisions 😭
I’d honestly love to do a financial audit with Caleb. I’m inspired watching these videos but it’s nothing like taking a thorough look at your own finances and being held accountable for your decisions. Unfortunately, I’m in South Florida so it would have to be virtual, but when I muster up the courage, I will definitely send an email your way! Thank you so much for this series Caleb and congratulations on 100k subscribers!
I think most people know they're making poor financial decisions when they are. They just have poor impulse control and let emotions guide their purchasing. Then look back and shake their heads at how dumb they were. That's been my experience anyways. It probably does help having someone else point it out but I don't think anyone is surprised by what Hammer says. You can tell they know it's coming.
Caleb, you saying “muscle memory” helped ALOT in my personal life. Because it’s true! Thank You! ❤ -props to todays guest! Her dad is an attorney and her bf is a mechanical engineer and she’s a future surgeon! Incredible! She can do it! Just like we can all re program our selves from this American Consumer Broken Lifestyle!
Honestly! She’s only 22, I think she’s doing okay. It’s not like she’s a bum sitting around doing nothing. She’s actually working in the ER (which is tough, I’m an RN), doing modelling and side hustles and is currently doing pre-med. She will be going places 🔥
Her: My Dad is bad with money. Also her: My Dad paid for my undergrad, and will also pay for my medical school. Seems like he's a lot better at managing his money than you are, sis!
@@abark Well that's his call, right? He obviously knows her better than you or I. I just found it interesting that in one breath she could say he was bad with money, and in another, explain that he had the means and foresight to plan and pay for her many, many years of school.
@@dynamichunter843 yep lol. Im broke rn due to dental and spending too much over the year... put me in a rough spot and watching calib say "why do you need this?" Really puts things into perspective.... for me tho it would be "why did you take out this money? Oh i bought a ww2 hand grenade. C- Why? Oh its worth more than i paid and i collect... "you need to stop for now! *grumbles* yea..." lmao
She underestimates how much time, energy, and money the doctor path will require. Besides that and bad habits that we know very well will not die easily… she could be on a great financial path. I do think that she will continue the trend of living at the ends of her means throughout life though causing unnecessary stress. It is extremely difficult to curb lifestyle and spending habits that have been engrained in you since childhood.. it’s a major reason large wealth in families generally only lasts a generation or two before things dry up and great-grandkids are “middle class” again.
@@abarkit sounds like she hasn’t done any internships and is banking on being a surgeon. Doesn’t actually know who she’s competing with for those slots. Lots of assuming.
@@dreamlaughwishful You don't do medically relevant internships as an undergrad if you're going to med school 🤨 She works in an ER part-time, there's her extracurricular.
@@vulpixelful yeah but the people she’s up against will have a more robust resume. It’s not just med school it’s a very specific niche. That makes it more competitive Who knows maybe she has published research or worked in a lab or something in college that wasn’t mentioned 🤷🏽♀️
Serious premed student take the MCAT in junior year and apply to med schools in summer before senior year. She did not mention taking MCAT in spring! Average undergrad GPA for accepted med school students is 3.8 plus very high MCAT score. Chance of acceptance less than 5%. Why is Caleb talking about $500K salary already?
This one is an odd one. Clearly she is privileged but the concerning thing is her mindset. She has an almost unaware mindset in how the word works and can easily fall prey to it. Underestimating med school, Underestimating her spending habits, Underestimating how difficult her life could be if she doesn't gain some discipline. Keep your head up kiddo
As someone who has a wife and 3 kids and has been into the abyss levels of debt, took years to find the right paying job, clipped coupons, even payed the insane coinstar tax a couple times to claw my way out of the debt grasp. This audit makes my blood boil with the levels of financial ignorance this girl shows.
As a young Millennial, watching a broke and entitled Gen Z ignoring financial advise from the millionaire sitting across the table from her is what did it for me.
This is the best channel I swear!!! Caleb doesn’t just give random advice, he literally looks at the info people give him and give non official financial advice and most importantly REALITY CHECKS! No other “financial UA-camr” can compete cause their information is so random and not personal. Anyways CONGRATS on over 100k subs Caleb!
I know everyone is saying the same thing in the comments but I just want to REITERATE that you're doing great work Caleb!! Not only inspiring the people on your channel, you're also inspiring all of us viewers. Keep it up bro!!
I had a coworker whose father owns an architecture business. She was raised in a very high-class neighborhood and traveled to so many countries. Apart from working part-time at the time, she would take money from her dad's wallet and use his debt card. Her room after Black Friday was ridiculously packed with makeup pallets. My other coworker was very jealous of her because, like me, she wasn't raised wealthy. I said "Why be jealous? She obviously does not know how to handle finances and that can be very detrimental in the long run for her".
It took me a large part of my adult life to finally find my financial footing. Even though my mother is a very successful real estate investor, she never let me see any of it and also never taught me anything about finances. I'm glad (in hindsight) that she didn't enable me with her wealth so that I could actually make it myself and feel some pride in that. However, I can't help but wish she had at least taught me SOMETHING about finance, especially since she has a master's in business, so that I could've reached this point sooner.
Thank you for these videos Caleb. Like a lot of millennials I’ve bought into the narrative that I’m screwed financially. My attitude through my young adult life has been “why even try to fix things, when the deck is so stacked against me?” I walked around with a chip on my shoulder, like I was owed something because of my bad circumstances. Your videos inspired me to take responsibility for my finances, and now I realize maybe my situation isn’t as hopeless as I thought. I’m in 10 times better shape than most of the people you have on. Keep up the good work, and congrats on hitting 100k subscribers!
Beyond our house, my husband and I have never had debt. I've been supporting myself almost entirely since I started working and my husband has been since he moved out at 21. That's no debt to be proud of. Daddy paid for everything until she's in her mid twenties it's not no debt to be proud of. She could've been so ahead, but she squandered that opportunity.
10 years ago I was in college and has no financial literacy, growing up with immigrant parents who live paycheck to paycheck. I get $3000 every 3 months from my financial aid + school loan, after I paid my tuition. That’s $1000/m and life was good. But seeing someone blowing $7500/m is mind blowing. I didn’t know anything about finance except living within my means and I think that’s half the battle. It’s not what you make but what you keeps.
My situation is truly out of my control but I love seeing someone young like me talking like this without being delusional about what one can do to better themselves financially.
I appreciate having someone on the show that isn't deep into debt yet. She has a chance to turn things around and that's an important time. That being said in the same way regarding physical health, people won't change until they're ready to change. It was a big step for her to actually reach out. I think she has some good friends if they're willing to do budget challenges and such, but she needs an internal push. Maybe she should do a challenge where for one month she can only spend what a low income family does so she can see just how nice she has it and how she might end up if she doesn't stop
"I appreciate having someone on the show that isn't deep into debt yet." I think she is either lying or blindingly ignorant about her finances. I personally think she is lying and using Caleb to push her SM. Her dad is keeping her head above water. I have serious doubts about her getting INTO medical school let alone graduating, ESPECIALLY when she is going to take a gap year. Medical schools aren't going to want a pre-med student who brain dumped for a year prior to entry. I love this channel, but I don't care to see more trust fund kids on here.
@@Aaron_Ada Are you kidding? Med schools love good MCAT scores paired with an essay about what you learned in a gap year. Students who did undergrad only and go straight into med school have an essay disadvantage because they don't have anything original to write about. Her PT ER job will help a lot, too...
Envelope system is the best! My mom did that when we lost our home and went on food stamps. Decades later, I still do the Envelope system, have no debt, am approaching 6 figures of saved cash for a house down payment. I’m pretty convinced allocating a fixed amount of cash for restaurant, grocery, and “miscellaneous” purchases (wants/tips/etc) has made it so I could save so much 💵
As someone who is also 23 in med school for neurosurgery , $16 is pretty low. Currently in Nyc and the er was $21, still low but I felt so overworked and underpaid ; her will power strong
7.5k per month mostly from the ER... $16 x 12 hours x 2 days x 4 weeks = $1536 SO... $1500 becomes 7.5k... So it isn't really from the ER... At least she was smart enough not to piss away the modelling money.
Yea one of our friends asked if we wanted to have our baby model....hard pass lol. The only way I would even possibly consider it if it made money and we would put that in his 529, utma, etc.
Imagine having the audacity to use "my dad is bad with money" as an excuse when he's bankrolling your entire future.
The entitlement is Amazing.
Him helping her this much is exactly why he's bad at money lmao dumping this much money into someone that is seemingly bragging about it as if it's her own accomplishment seems like a bad financial decision but maybe just me
@@TachibanaTengoku Maybe it's a "bad financial decision," but your own child shouldn't be thought of like a house or a stock. Even if it's risky, investing in your child's future is your duty as a parent.
@Sullivan you can invest in your child's future while still trying to teach them a sense of responsibility and financial independence. When your child says they are proud to be debt free when they have never actually had to take on debt or live independently means they have a distorted sense of reality.
Her parents got divorced so daddy is trying to buy her love
She'll have her own divorce soon enough, dont worry about it
"I have no debt and I'm really proud of that!"
A huge reason she doesn't have debt is because her dad is paying for most of her expenses. It's great when parents help out, but you've got to realize when you're speaking from a place of privilege. Instead of being proud of something that you really had no part in accomplishing, be grateful that you're receiving assistance from someone who clearly has a tremendous amount of love for you. It's okay to be proud of your parents, just don't try to pass of their accomplishments and sacrifices as your own.
It’s a gift she will squander
The magical modeling account that she doesnt know the balance of but pays for big ticket items is also possible a way for her dad to "launder" (not in the tax sense) money into her finances so that she feels like she "accomplished" paying for these big ticket items while her dad being able to supplement it without her knowing. This is how some people can later claimed to be "self made" through willfull ignorance
"Some people are born on third base and go through life thinking they hit a triple."
I completely agree she’s acting like her family’s wealth is her accomplishment when it’s reality she has nothing to do with it
Well funded and modelling on Instagram…. Not a great thing to be proud of. Well done to her for at least not wasting her college opportunities.
Imagine this is your doctor and you’re trying to have a conversation
😂
I think Caleb would be an excellent doctor
😭
😆😅 Good Luck
@@BadDad420 absolutely
She’s a prime example of the “child with promising future” to “immature adult” pipeline.
The parents see the potential, take on the majority of responsibilities so the kid can focus on their studies and future and then when the time comes, the kid is left with all this academic knowledge and zero life skills or practical knowledge. You see that with a lot of child athletes as well.
At least she is pursuing a medical degree. That "academic knowledge" is immensely useful and has a promising roi.
@@awsome14619 I definitely agree, I loved my uni experience. But in order to get that ROI, you have to be able to function in the workplace & be an adult. Being academically gifted will not help you when you have zero experience with personal accountability, consequences of your actions, etc. I’ve worked with a few people like this and they usually left once people started holding them accountable for missed deadlines, unattainable project proposals, etc.
Funny enough doctors are notoriously bad with money and many live paycheck to paycheck not because they don't make enough but because they fall into lifestyle creep after the first couple of really big checks hit their account and slowly begin living unsustainably expensive lifestyles@@awsome14619
'I am impulsive and reckless'. Definitely up there on the list of things I want to hear from my surgeon.
Yeah don’t worry… she’s gonna end up doing Family Medicine in South Dakota
It’s kind of astounding that someone who thinks opening a new bank account is “too much work” is gonna go to medical school to become a surgeon? How does that work lol
yeah.....o_o
At least she won't be bored, lol.
Shes probably going to be like the majoirty of other premeds that never make it to med school
@@mikehawk1426 Agreed
Let her first get into one.. maybe daddy will buy her a degree too
She says the majority of her income comes from the ER but then said she only works 2 days a week at $16 an hour. That doesn't even come close to 15% of $7,500
It is ER. Daddy emergency rescue^^
Instagram and probably a OF
She must be including daddy’s allowance
My brain started doing the math. Certainly doesn’t add up.
She's probably embarrassed that daddy always pays and didn't want to say it.
This is why second generation wealth can easily disappear. She is getting 75% full ride to college + a full ride to med school and she still has interest charges. Her father is a successful attorney but didn't teach her basic financial skills. Most people in her situation including myself would be equally as reckless because she does not understand the value of a dollar because everything has been given to her. I mentor youth in my community from various economic backgrounds and I see the lack of appreciation for the dollar as well. But as my dad taught me I spend a good chunk of the class going over finance with them even though they are 12 to 14 years old. Kudos for her being willing to come on the show and hopefully this is a teachable moment for her and other people in this same situation.
As long as she has her father it will be hard to teach this kid the value of dollar and change her bad habits.
She's 22, she'll change. People grow a lot in their 20s
This also shows why most "self-made" millionaires are kind of misleading. Yes, they may not directly get an inheritance(like Dave Ramsey likes to point out), but background stuff often gets overlooked. If we were all able to live rent free, get most of college and all of med school paid for, we'd all be millionaires.
@@panzer_TZ spot on. Even if she recklessly spends she’s got rent paid and tuition paid easily adding up to 300-500k by the time she finishes med school then can make 300-400k after her degrees without having debt and have 5+ years of 15% of her current salary going to her 401k as she said. Even if she lived on ramen noodles thru med school she is avoiding tons of debt on the path to making more than 99% of American’s.
@@Ruffles2012 i hope so but as I mentioned above though some do but many of my fellow millenials and now gen z don’t. Her wealth and safety nets make it difficult to change. I see people my age in their early 30s making tons of money and still not spending it wisely.
She came on your show to spread her social influence. Her character and demeanor seem to be out of the influencer playbook. That slight narcissistic attitude creates enough intrigue for people to want to dive deeper into her life and see what she's like. Looks like those influencer classes are paying off.
I can see it now. Only fans + doctor outfit=profit
But if you creep her account, if she is doing fine then I don’t know what I am doing lol. It’s REALLY nothing special.
@@alejandroc7357skibbity dippity dop dop yes yes 😂. honestly you nailed it on point, she wants multiple avenues of money
K. I now question how valid the show is in general. He MUST have know about this woman’s socials to see all that this girl cares about is influencing
@@nelsonsamuelsanchez who knows what she said to get on this show. I'd still say this show is genuine because his advice is still sound. But it seems he has to put out more content to keep up with demand and to make it worth it.
If I found out my orthopaedic surgeon was an influencer I’d limp out of the consult so fast 😅
Was just able to purchase my first home yesterday, Caleb! Thanks to your insane ability to scare me about my future, I got my finances in order and was able to offer on a house yesterday while having no outstanding debt. I’m so confident and excited for this path partly thanks to your videos. Thanks!
Congratulations!
Congratulations!
That's what's up 👏
Congratulations! That's wonderful!
Yeah he is good at putting the fear of God in people, to shape up on their lives.
This was SO painful to watch man... "when I'm a doctor... making 300k/year... 14 years from now...." I just can't.
agree ...she is in need of an exchange with someone who is really struggling.
shes not gonna make a DIME, shes LAAAAAAAAAZY
I can’t see her becoming a D.r. She’s too spoiled and pampered- no clue about the real world and the work it takes to become a Doctor.
@@southpawred7172ivy league med school students 👀
I commented above, as a doctor myself I’ve been surrounded by people working paycheck to paycheck and some more than one bankruptcy!! When I watch this I think my salary is 4-5x as much as pretty everyone I’ve seen on here but the same stress is there-$ does not fix poor financial intelligence you just add decimal places. Also she has one yr left I’m not done watching so I’m curious want to hear some grades-3% of pre-meds get into med school she better be rocking a 3.8+ and high mcat scores. She seems to act like everything is so easy- world is going to smack her down like it does all of us and I fear for her- it’s just been so easy for her so far.
This episode is the perfect example that financial literacy and discipline is the only thing that matters. If this girl changed her mentality she could be so far ahead.
She’d probably be already set to retire honestly.
People like her are obsessed with "happiness" and "fun" to a delusional point where they have convinced themselves they deserve it and almost NEED it
She’s a premed student on a path to a neurology career, her daddy finances her life and she has lucrative ad contracts that earn her thousands. How much further ahead is she suppose to be, her life is on cruise mode
You can tell throughout the entire thing that she’s in the oldest years of Gen Z rather than the youngest years of Millennials - as the latter, I can translate her delusion: “yeahhhh” = “I’m not going to do that”. “That doesn’t work” = “I have zero accountability in my life and I don’t feel like changing that”. “Like” = “this just gives me an extra second to come up with some manipulative bullshit answer that makes you stop talking”.
The best part was her claiming to not know what blue check was😭 giiirl yes you do and so do we😂😂
I find it funny how they are talking like she is already guaranteed to become an orthopedic surgeon. She first has to get into med school which is incredibly competitive. Furthermore, she would have to graduate near the top of her class once in med school to get into any sort of surgery residency...So banking on that is very risky and unlikely, probably equivalent to becoming a professional hockey or football player.
Exactly what I was thinking the entire time!
Someone said the people who come on here don’t want financial advise they want exposure and clout and after seeing her jobs I see that person was correct
💯 good marketing
I don’t think Caleb’s sub would be interested in half the content these people create lol, according to 3:43 she had 11.6k followers on IG, 2 hours since this has been released she has 11.5k now
@@13isa45 lmao people actually unfollowed her I’m dying
@@13isa45 LOL well why would anyone follow her??? She is not hot or anything valuable to share.
@@desertrose00 she's ridiculously spoilt. She absolutely has no idea what it takes to work hard for something and have to depend on yourself. Shes not relatable, and that's what gets those early followers
The saddest part is how she limits herself with labels like, "I'm too impulsive. I have a spending problem. I like spending." It's one thing to know your weaknesses, but it's another to move past them.
It’s called being self aware but couldn’t care.
@@LaSombraa But that, like, defeats the purpose of self-awareness?
It's a self defeating prophecy. By self labeling she will unconsciously identify with those very labels, and that will be the biggest roadblock to overcome
She act like she has no control over her own actions and no ability to change anything. For someone who wants to be a doctor, yikes!!
I think this is a ridiculous comment. If an alcoholic were saying these things would you be like "just move past it lol"? Of course not.
She claims she makes $7500 a month and most of it comes from her $16/hr job. Even if she worked 40 hours a week she'd only make $2500. Something doesn't add up
Yup came here to see how many people noticed that math not adding up lol
She isn't making 7500 a month. You can tell she is bullshitting when he questioned her on that, she was getting fidgety and was all over the place. She isn't telling the truth.
That money is either coming from daddy or OnlyFans
And contributes 15% to her 401k. There’s so much misinformation around her income.
I don't think she knows what she's talking about.
People who overspend and "love to shop" are really just trying to fill that empty space in their life or trying to find that one magical thing that will make them happy. "Maybe if I buy these shoes, I'll be cool and everybody will like me." Its sad, but true. Things are just things and they don't make us anybody different.
she reeks of "my parents divorced and are now trying to make up with it with money"
Some of us just really enjoy dressing ourselves up the same way we dressed up dolls as a kid, but this girl has other issues
I can only imagine what this person’s life would be like if she didn’t have daddy paying for everything
She'd work more. She does work, give her credit for that.
She would definitely be better off
@@Colesauve😂
@@momsspaghetti4504she probably would have turned out differently
She’d probably find some gullible simp to pay up. Or simp(s) in her case since she’s an “influencer”
Started on Stephen graham and now I’m watching these audits like a new show! Keep it coming Caleb. Give ‘em the HAMMER!
That’s where I started to
Graham Stephan lol
sam here brother
same
Stephen Graham > FTX sellout Graham Stephan
i love how snappy caleb gets when he realizes the guest is privileged 😂
🥲🥲
@@CalebHammer ty for staying true to the people
5min in and she has already said "thats a lot of work" like 3 times...ma'am you're in med school??
She says she's going to be an orthopedic surgeon .. well it was a pediatric neurosurgeon (🙄).. but she's just finishing an undergrad.. she's not even in med school or residency.. and she's planning to take a "gap year".. I doubt a lot of people who are actually motivated to go to med school, take gap years and move home ..they push on with their studies.
She's acting all high and mighty about her "lucrative FuTuRe CaReeR" but in reality, she's just a 22 year old undergrad lol
@@Sarah-gz4no no she's NOT in med school LOL she said she's pre-med . So she plans to go to med school but we will see about that.. doubt it
I think it is absolutely wonderful her father is able to provide for her like that. However, her current mindset is exactly why I told my husband our children will not know we are paying for school until graduation day. Young adults need skin in the game and accountability. This is the time to learn responsibility while the parents can still give advice and help instead of later in life when parents are gone.
Just let them free for 6 months or a year. They should get it like enough for budgeting
I had 2 children finish collage a one working on a masters. Both have good jobs in thier degrees. I paid nothing towards thier collage and they have no collage dedt. It can be done if you pick the right field to go into.
@@Jyock you should probably go yourself
@@UnknownNev ha ha I've been retired living in Spain since I was 48 years old. I went for awhile but found out I didn't need to.
@@Jyock You’re bragging you didn’t help your children but in a way taking credit that they’re successful.
This is such a prime example of wealth inequality. When you're from a wealthy family you can be completely financially illiterate and make a ton of mistakes. But because you have a safety net your life will be virtually unaffected.
Where as other classes can't afford to make mistakes without it potentially destroying their lives.
She’s 100% lying about the blue check thing talking about “idk what that is”
I know right! 😂😂😂 She knows and that’s prob why he repeated himself. 🫣
Yeah she just didn’t want to admit she paid for her blue check 😂 kind of pathetic 😂
I legit don't know what a blue check is?
Who else thinks the “blue check mark” purchase is from buying followers?
I'd buy it, dumb girl seems to be obsessed with image, wouldnt even surprise me if she ends up not being a doctor. Especially orthopedic surgery hahahahah that's a harsh field.
I just wonder why she didn't buy more.
I thought the same thing or she bought the Twitter blue check
My brother in law just finished medical school. She's dead wrong, she won't have time to do anything but study. I hope she matures in the short time till then because a bachelor is a joke in comparison to what she's getting herself into.
Also she should be careful how she presents herself online, it'll come to haunt her in her professional career.
Yes, for someone who's about to enter med school, she's not particularly articulate. Also she came on a platform to participate in a video that will be watched by thousands of people, but nothing about how she presented herself reflected that.
It looks like she rolled outta bed... she could've capitalized off this exposure, but she didn't do anything to her appearance that would've stimulated interest in following her on SM.
@@MPPG663 Its risky business. She’s an adult at this point. Her immature videos will surface at some point, either in medical school or in her career. It could be a serious road block and gaining coworkers respect will be near impossible. People with her level maturity generally have lower expectations in life. She should really evaluate her online presence whether it’s worth jeopardizing her future career over. I wouldn’t be saying this if she said her dream job was in social media. You’re expected to be professional when you’re going into a professional field.
Imagine the horror of finding out that your surgeon, the person you are allowing to stick you with knives and drills, the person you are placing your life in their hands; has a part time job taking pictures of their butt online
@@Vlad_183 Exactly, she might really be good at her future job. But try convincing the hospitals head physician who's published a dozen research papers and holds multiple licenses of your worth when they've seen this side of you.
Any free time she does has should be spent working on improving her speaking. Her saying “like” every few words is annoying. Imagine her explaining a procedure to a patient, “I’m like going to need to like place pins in like your femur.”
As a 54 year old Retired adult, i just love listening to the absolute DELUSION of these audits'! 🤣🤣🤣🤣
I give her .005% chance of becoming a doctor.
I feel the .005 is generous
Savage
I work with drs and I give her 75%
One of my best friends is a doctor.... he has zero and I mean zero common sense. When people ask and he says doctor people are shocked. So I bet she will be fine
It doesn't matter. She's been washed in money since she was born. She'll always have that. At 35, the light bulb will click, she'll do one or 2 trending things (think airbnb circa 2015), and she'll be wealthy and "retired" by 40. It's the life some people live.
Caleb, I love that you remind people not to bank on a boyfriend/girlfriend. You always factor in a breakup if they're not married. You also stress the importance of combined finances for married people. Too many people in their 20's and early 30's are buying houses with someone they aren't married to. They could end up (and often do) dealing with the financial ruin of that for the rest of their lives.
Love people that say they will be a MD/DO and before they get into school have these plans to become the highest paid physician (Neurosurgeon/Ortho/Dermatology).
Caleb should pull out statistics of how many people get those positions. While I was in post grad school I met many medical students who had similar aspirations but after their 1st board exam they flipped on a dime to primary care.
Talk to these people like you do others with pipe dreams and discuss the likelihood they won’t reach the 300-400k salary position
Also, med school interviewers hate it when you come into the interview and into medical school already knowing what field they want to go into. Because so much changes over 4 years of med school.
Also it wouldn’t just be 4 years med school, 4 years residency, then boom, $400k. She would need a fellowship if she wants to actually do ortho, too, so add another 2 years.
Yeah well that and also those hard specialities have limited residency spots usually, so it’s very competitive. Some people just want to bank on something that won’t be 5 spot residency.
Faster and easier to hit $300k+ in the trades.
As Caleb said, she is going to simply "lifestyle inflate" herself". If she completes med school and gets a $500k salary as an orthopedic surgeon, she will no longer just be treating herself to clothes and photo shoots because they are "fun"....she will be treating herself to "fun" things like multi-million dollar homes and the latest luxury automobiles. Keeping herself "busy" with work will only result in bigger spending as a "reward" to herself for not spending as frequently. If her dad's money ever dries up or his practice ever goes under, she will be in for a world of financial trouble.
Even with med school, she’s jumping the gun. She isn’t guaranteed to get into med school, let alone get an ortho residency.
Waiting on her OF link
She's not worried about money because she has wealthy parents. She's never had to budget anything
Guys she literally has a “gofundme” page on her Instagram asking for tuition money 🤣. Unbelievable. She makes more money than most of us and because she has no discipline she makes a gofundme.
Begging has no days off.
She’s lying
She’s obviously not taking any math classes. No way in hell she’s bringing in 7k+ a month after taxes “mostly from the ER” making 16$ an hour working 24 hours a week
21:05 - that service she’s paying for is “organically growing” her TikTok with bot accounts. Essentially, she’s purchasing followers, but the company she used markets it under the guise of social media management. Despite her protests, I am inclined to believe that she knows what’s up with that charge on her statement.
Hahahaha she didn’t want to admit that she paid for her influencing accounts. Blue check is an obvious name
I said the exact same thing!
🤭🤭
yikes
Yup
Big props to Caleb's film and editor. They do amazing work with his quirkiness when he talks.
It's him
@@LucianaCristinadeOliveira shhh. Don't ruin my little world in my head. 😁
“I like spending money” is not the problem “I don’t want to think about my future or consequences for my decisions” is the problem.
AMEN!
but but but she has her dad and her boyfriend (sarcasm)
In a male-dominated society, the men in her life (boyfriend and father) SHOULD be helping her financially through life. The gender pay gap really sucks, it really stops us women earning a decent living.
bruh
@@paulinejackson5861 The pay gap is a myth and anyone with a smidgen of critical thinking skill and a brief look at the data knows this. When you compare apples to apples women actually make slightly more. The fact is women in general put less time into their careers and their wages show that. The ones making less ALWAYS have far less working hours than their male counterparts. You have swallowed propaganda I'm afraid. I hope you'll take the time to look at the data. It's been disproved many times.
She's incredibly lucky. Almost everything is handed to her!
She bad af
She has no chance. Makes up excuses for everything she wants to do to justify her action or inaction. No chance.
Her excuses for everything were driving me insane!! It’s like she doesn’t want to fix her bad habits at all, she’s comfortable because her dad is successful and she probably thinks she can just fall back onto him, smh
Agreed. Everything is “a lot of work” its pure laziness
She doesn’t think she can fall back on him, she KNOWS she can. Which, is fine. That’s a blessing. But her character may be finished because of this crutch she has internalized. I’m sure if need be the father will be harder on her. Medical school doesn’t allow for the type of work ethic she seems to be portraying here, for “when the going gets tough “.
she wont change it. She thinks she is pretty and she will find a guy to take care of her financially like her father has. She will never graduate and be a single mom if she doesn't change her ways.
No, its not that she doesnt want to fix her problems, she never has need to and no one has ever held her accountable. There is no way I would ever let her cut on me as an ortho doc, she doesnt have the mentality. She wont make it past the first year in med school.
Thinks she’ll back? She will fall back. Her dad more than likely is a millionaire.
She's lying in my opinion. Doesn't make as much as she says and only wanted to do this for the clout.
She literally said she works two days a week at the hospital making 16/hr . Then turned around and said most of my 7500 is the ER , I try to work there as much as possible lol .
@@mattdogsss yup. Makes $200per shift twice a week. So $1600 a month but yup, most of $7500 is from that. If she said she makes a Walmart post once a week and had 100k followers that would be more realistic but this is all BS.
@@mattdogsss exactly. It doesn't add up! 🤔
He sees through her embellishments
“It says you spent $148 on “BLUE CHECK”
Guest:”IDK WHAT THAT IS 👀”
The influencer space has gotten out of control past the realm of saving 🤦🏽♂️
She’s an influencer but she doesn’t know what the “blue check” charge is? Lol she was just too lowkey embarrassed to say
As a medical student some of this makes me want to scream 😅 some medical schools explicitly forbid students from working, and your time in the hospital is absolutely unpaid. Honestly if she’s considered instate in Texas she should likely not go home to Chicago for a year. Texas has the cheapest medical school application process in the country through TMDSAS, the lowest instate tuition and a requirement to keep most of their class as Texas residents. As an M1 the average weekly hours required to do well per our curriculum committee is 62 hours.
Unless she’s working 100+ hours at the hospital there’s no way she’s making $7500 a month working as a pre med at a hospital making $16/hr. Also hope she’s making time to volunteer or do research to fit her aspirations..
Her father paying for medical school is such a privilege.
All parents should. Buring your child in debt as soon as they're an adult isn't a good plan.
@@Mattie_Ice If only it was that easy fot all parents to pay for their children's schooling.
@@Mattie_Ice ya but it’s a huge slap in the face when she’s just… such an idiot 😂 like there’s so many people who deserve that position in life but she just got waltzed into it and subsidized everything, no struggle, everything to her is “a lot of work”. Like ya bitch life isn’t just shopping at lulu 😂
@@Mattie_Ice I think it’s ridiculous to suggest that parents should pay 100’s of thousands of dollars for a child’s schooling.
@@knightfox4121 Is it the amount or the very idea the parent should pay any amount?
$7500 a month income with the majority coming from a job that pays $16 an hour sounds like some bullshit to me. 😂
And only works 2 days a week
Agreed. That math does NOT add up, no wonder she's bad in finance 😉
Yeahhhhh 1500 out of 7500 is not a majority smh.
There is no effing way. $7500 a month post W-2, is ~$160,000 a year. bulllllshittttt. 18k followers? She is barely making anything from SM either.
Yeah she is making that up. In fact a lot of the people who come here make up their income. I think a large part of it is allowance from daddy.
I think she can try the envelope system for a month with literal Monopoly money. If your budget is 400 groceries, put 4 orange hundreds in the envelope. Then you spend 300 online and then you take 300 fake money out. You do this for everything and match your purchases. If it doesn’t work then it has to be the real, traditional envelope system.
That’s cute, but the beauty of the real cash is its like a baseball bat to your brain because you SEE the actual money leave and never come back
@@Jajaky for some people, sure. I agree with Caleb, I don’t even think of cash as really real. I rarely have very much and so when I’m occasionally forced to spend it the expense just sort of disappears into the ether. I like the idea of Monopoly money for her because it gives her a physically tangible visual representation and reminder of where she’s at in her budget. It forces her to actually think about the impact on her budget when she spends something. If she sees that empty envelope in the middle of the month, she’ll feel the pain of not being able to spend for two weeks. It’s a good idea.
@@adamseidel9780 yea I’m the same way cash is kinda whatever to me. But for people that aren’t like us, I wonder if anything less than handling actual cash would even do anything for those people. It really needs to SHOCK these people in order for them to change. The feeling of spending real cash needs to be visceral and brutal for them to overcorrect their horrible spending. I mean, you can pay for Amazon with cash. They have that service
@@adamseidel9780 like if she can give excuse after excuse with her cards, what’s stopping her from running out of monopoly, and just creating more excuses. When you’re out of real cash, game over you lose. You literally CANT spend anymore. Monopoly is good if they have self control, and if they did they probably wouldn’t need to do any of this. I like the idea, but I’m just not sure if it would really work
@@Jajaky you can still spend money without cash, she’s still going to have debit and credit cards. And if cash is meaningless to somebody… how is it brutal to spend it?
My sister’s a doctor. My parents went bankrupt when we were kids and none of us have had any help with anything. I was kicked off my parents insurance at 18 bc they went into Medicare.
My sister would always talk about how in med school almost all the pre med students were rich kids who could afford tutoring, afford med school interviews, had connections and were incredible entitled.
I don’t know why I’m shocked but lord, if you are lucky enough to have help financially my gosh take advantage of it! Don’t waste it! Med school is so competitive, don’t divide your time if you truly want to be a doctor!
Her daddy is not only financing her life, he is paying companies to pretend she is worth paying to model.
Yeah that hairline
That’s kinda mean
@@bexyrexy Yeah, it is..but the truth can be mean sometimes. She is wasting money on something that will never be a viable career for her. The ROI is negative. She clearly is intelligent and was blessed with an impeccable supporting cast. People need to quit lying to her and help ground her in reality.
@Bex Mac why is ot considered mean to tell the truth now? Does this girl look like a model to you? She has a costanza hair line....
@@zach4925 shes not a model but you aint gotta point shit out specifically imo. just leave it at that
It’s so frustrating feeling like you can’t go after dreams because of your financial situation and then to see someone so flippant about money and their situation. Why even pretend you care about budgeting when your response is “I don’t think it’ll work for me”. Just continue on with your privileged life without complaining to the rest of us.
I know. I'll pray for us both ok cause I really want to succeed in my dreams too and know exactly what you mean.
Wants limelight
Caleb has a level of patience that i could only HOPE to obtain because about halfway through i would have flipped the table and ended the interview because she doesn’t seem serious AT ALL!!
I've told friends when sharing Caleb's content I would've flipped the table or walked out at least once a video.
yep
Pretty shocking seeing people like her bringing in 7500 a month and still have any amount of bad debt and almost nothing in their bank accounts.
The math there was confusing too though. She said it was mostly the $16/hour job, but that doesn't make much sense.
She's either lying about her income amount. Or she's doing something she doesn't want to admit publicly and saying it's from the hospital. The math doesn't even come close to 7500 a month, which she said was the majority of her income. But that's not why Caleb makes the videos.
@@pat-orl ya I think she’s lying? Or just stupid? It’s almost like she doesn’t realize 7500 a month is like nearly 100k, there’s no way that’s feasible when I work 40+ hours a week working at Walmart for 17/hr and I struggle to put any money together, unless she’s making like 7k a month consistently On her “brand deals” there’s no fucking way she’s making 90k a year
@@Mattie_IceI want to do the math. She does 2 twelve hour shifts per week at $16/hr. That’s $1600 a month. And yes, she said that its a majority of her income. She is off by a factor of 3 at least.
I wonder if she is counting loans or grants or family support?
So that’s why she is in trouble. She thinks she is making $7200 a month and spending like it but is really making $3200 a month.
@@choreomaniac yea it’s not making sense to me either… if the bulk comes from the hospital it’s not much out of 7k.
This was a tough watch Caleb, love how you still stay calm and professional, I would have lost it.
I love the little editing touches in these videos. I don't know what they are called in the editing world. The zoom in of Calaeb making funny faces and the "She's aware" text added. Those kind of things are really nice additions and really serve to make these videos more entertaining.
oh man she really has had everything given to her
i mean, this was clearly just used as a marketing step for your online content lmao
as it should be... poor people should not have kids they cant afford....
@@juanshaftpatel7488 But then who would cut your grass or take out your garbage? That's a serious question. Society requires masses of unskilled laborers or it wouldn't work. You clearly didn't think this one through. Strange as you insinuate you're successful. Good luck buying food when all the poor stop breeding and go extinct. I highly doubt you're capable of producing your own.
@@okgroomer1966 the serfs of course.. we can breed just enough to produce what we need.. but in 2023... most of them are just burdens especially with automation and machines... look at slavery, blks in bulk werent really needed once tractors became a thing.. and other than ball players and entertainers, most are just the dregs of society.. tell me im lying
@@juanshaftpatel7488 I get your point, but it's far to great a generalization. I grew up dirt poor in W. Virginia but we survived on our own without handouts. Now I'm a moderately successful taxpayer. What is needed is consequences for poor choices, not a genocide. The lazy will die off quick enough
Hi Caleb! Long-time listener; first-time commenter here. Have you ever considered uploading the audio from these financial audits onto a podcast platform? I travel a lot and would love to be able to listen on the go. Thanks and good luck on your way to 200k followers!
If you get UA-cam red, you can download the audio on your phone.
She MIGHT be making good money after graduation. Ortho is one of the most challenging specialties to get into. There's no guarantee she will be accepted into a residency. The competition is intense, to say the least.
With her saying having an online reselling shop is hard, I don’t feel like she has the drive for it idk tho.
Lol so she paid to be an influencer and her dad paid for college. This girl is soooo privileged and has all the chances to become super successful I hope she matures and grows.
She’s actually so annoying lol
Was coming to say exactly this. Those "idk" purchases were definitely followers. Yikes.
shes gonna send her dad into the poor house and then end up homeless herself
Wait she said money was pulled from her modeling acct to pay for college. 10 min prior she said her dad paid. I’m confused
“I make $7500/mo, my dad pays for college, and I have no debt”
How are you not rich?!?
Caleb, congrats on 100k!!!! It’s been so awesome watching your channel grow - it’s very well deserved! Appreciate you and the awesome, educational, and entertaining content you put out! Quickly became my favorite YT channel! Keep killin it!
Thank you so much!!
Her dad did a great job making daddy's little princess intolerable to the rest of us.
Her dad is doing a great job financially supporting her daughter! The misogynistic world is tough for a young woman like her. Think gender pay gap and workplace harassment!
@@paulinejackson5861 I don't think everything you said has anything to do with the spending problem and it's not even affecting women specifically.
@@paulinejackson5861 nothing you said has anything to do with irresponsible spending 🤦♂️
well you seem upset your parents sucked at life and couldnt afford to raise you
@@paulinejackson5861 Please explain Gender pay gap. If there was a gender pay gap. Why wouldn't companies only hire women?
$7500 a month ($90k a year) at $16/hr is 23.5 hours a day, five days a week, every week. I have doubt.
Before taxes thats 130k-150k lmaooo
It’s hard to not want someone like this to fail
Awwww no. She’s very young. She’s still living in a persona of her friends. Doesn’t mean she can’t turn it around.
Maybe after watching this she will be more self aware
Well that’s a disgusting wish for someone…
@@IAMCHIDERA From the looks of it you have a pretty easy life too. I wouldn’t expect you to dislike a spoiled kid.
@@SCPMstudios that’s your business…
@@IAMCHIDERA Good argument.
These younger adults are so blessed to have this opportunity. I’m 31, followed the Baby Steps to pay off about 38k of debt, cashflow our wedding and save 120k for house deposit. Since we’ve bought I have definitely fallen off the wagon, no debt but silly spending. Watching you has made me financially conscious again and I love it. Really wish I had these tools in my 20s, never invested or even knew it was a possibility for me.
I’m about to have a daughter, 27 years old. I have 2 jobs but have trouble being financially responsible. I would love to do an audit with Caleb and wouldn’t mind driving from Houston to Austin. Been a fan since he had 10k subs
Do it!
If you don't have college id seriously look into the skilled trades. I'm guessing having 2 jobs both are in the service industry? Start a apprenticeship and within 5-10 years you'll be approaching if not over 100k a year area depending. Journeyman electricians in my area won't get out of bed for less than $40/hrs. I'm a high-school dropout and haven't made under 100k in many years.
@@okgroomer1966 yup Kids need to learn the that tech high schools are the way to go in life. Most kids pick a school that they feel they will be “excepted in”. Got a friend that went to a public HS and right when he graduated he went to college for plumbing, I was like cmon Man U should’ve used your head and got eduction for free in HS
why would you have a kid before you learn financial literacy/discipline…?
@@pabloescobarschanclas Because sometimes it happens. Maybe, rather than tear her down, we should encourage her to keep bettering herself. Just my two cents.
This girl’s complacency stems from her privilege
It’s so irritating. I hate being that guy that’s like “your privileged” but omgggg. No struggle whatsoever, she just got waltzed into some career path and had everything subsidized, and somehow pulls 7500 a month for 24 hrs of work and posting pics online 😂 what is this generation
Lack of personal responsibility extends to all people regardless of privilege. So many Financial Audit attendees are not as wealthy, pretty, or smart and blow their money like this chick.
@@300zxss shit hurts to see dude, the amount of families that would kill for the opportunity to make 7500$/go to medical school/ BOTH is insane man, she’s wasting such a lucky life with clearly factually bad decisions 😭
Facts, they be living life on easy mode
@@cameronbishop6717 I don’t think she’s making $7,500 a month. Her numbers don’t add up.
Sheesh 106k now. This channel is exploding. So great to see. Been with him since 10k! Congrats Caleb!
Yea I found him around 40k. Hoping he gets to 300k+ end of year
Gold price will fall
Caleb's grace was tested in this one, it was insane he didn't absolutely lose it on her ...
lmao 30:50 Savage.
"For Me... like... my mindset is..."
Caleb: BROKEN.
I’d honestly love to do a financial audit with Caleb. I’m inspired watching these videos but it’s nothing like taking a thorough look at your own finances and being held accountable for your decisions. Unfortunately, I’m in South Florida so it would have to be virtual, but when I muster up the courage, I will definitely send an email your way! Thank you so much for this series Caleb and congratulations on 100k subscribers!
Do it young Lady lol 😂just don’t let it be with ur attorney in bankruptcy court at 26😂 .. hard lessons
I think most people know they're making poor financial decisions when they are. They just have poor impulse control and let emotions guide their purchasing. Then look back and shake their heads at how dumb they were. That's been my experience anyways. It probably does help having someone else point it out but I don't think anyone is surprised by what Hammer says. You can tell they know it's coming.
Girl I'm in south Florida too lol wanna be budget buddies? Go bulls!
Medical school to become an Orthopedic surgeon is doable without any concerns at all - however, changing banks is too hard/too much work?????
🤣🤣
Caleb, you saying “muscle memory” helped ALOT in my personal life. Because it’s true! Thank You! ❤
-props to todays guest!
Her dad is an attorney and her bf is a mechanical engineer and she’s a future surgeon!
Incredible! She can do it! Just like we can all re program our selves from this American Consumer Broken Lifestyle!
I hope she fails
Honestly! She’s only 22, I think she’s doing okay. It’s not like she’s a bum sitting around doing nothing. She’s actually working in the ER (which is tough, I’m an RN), doing modelling and side hustles and is currently doing pre-med. She will be going places 🔥
Her: My Dad is bad with money.
Also her: My Dad paid for my undergrad, and will also pay for my medical school.
Seems like he's a lot better at managing his money than you are, sis!
Paying for her school is being bad with money. She will never go to let alone finish med school.
@@abark Well that's his call, right? He obviously knows her better than you or I. I just found it interesting that in one breath she could say he was bad with money, and in another, explain that he had the means and foresight to plan and pay for her many, many years of school.
I'm 65 and really enjoy your videos. You are good with handling different personalities.
Time to fell better about my personal life decisions
While at the same time stressing bout my finances even while they are extreamly better than most of the people interviewed.
@@MrSolLeks right, I don’t even have debt other than my mortgage yet I still be stressing
Lol I watch these videos for the same reason. Gives me a reality check
@@dynamichunter843 yep lol. Im broke rn due to dental and spending too much over the year... put me in a rough spot and watching calib say "why do you need this?" Really puts things into perspective.... for me tho it would be "why did you take out this money? Oh i bought a ww2 hand grenade. C- Why? Oh its worth more than i paid and i collect... "you need to stop for now! *grumbles* yea..." lmao
You should fell better about spelling
She underestimates how much time, energy, and money the doctor path will require. Besides that and bad habits that we know very well will not die easily… she could be on a great financial path. I do think that she will continue the trend of living at the ends of her means throughout life though causing unnecessary stress. It is extremely difficult to curb lifestyle and spending habits that have been engrained in you since childhood.. it’s a major reason large wealth in families generally only lasts a generation or two before things dry up and great-grandkids are “middle class” again.
0% chance she ever spends one day working as a doctor.
@@abarkit sounds like she hasn’t done any internships and is banking on being a surgeon. Doesn’t actually know who she’s competing with for those slots. Lots of assuming.
@@dreamlaughwishful You don't do medically relevant internships as an undergrad if you're going to med school 🤨 She works in an ER part-time, there's her extracurricular.
@@vulpixelful yeah but the people she’s up against will have a more robust resume. It’s not just med school it’s a very specific niche. That makes it more competitive
Who knows maybe she has published research or worked in a lab or something in college that wasn’t mentioned 🤷🏽♀️
@@dreamlaughwishful Yes, a resume you build in med school, and she's not even there yet lol
Serious premed student take the MCAT in junior year and apply to med schools in summer before senior year. She did not mention taking MCAT in spring! Average undergrad GPA for accepted med school students is 3.8 plus very high MCAT score. Chance of acceptance less than 5%. Why is Caleb talking about $500K salary already?
Yep, plus she's taking a Gap year (red flag) and wouldn't get out of bed school for 4 more years
This one is an odd one. Clearly she is privileged but the concerning thing is her mindset. She has an almost unaware mindset in how the word works and can easily fall prey to it. Underestimating med school, Underestimating her spending habits, Underestimating how difficult her life could be if she doesn't gain some discipline. Keep your head up kiddo
life is gonna hit her like a freight train and its one accident she might not be able to walk away from
World works*
As someone who has a wife and 3 kids and has been into the abyss levels of debt, took years to find the right paying job, clipped coupons, even payed the insane coinstar tax a couple times to claw my way out of the debt grasp. This audit makes my blood boil with the levels of financial ignorance this girl shows.
As a young Millennial, watching a broke and entitled Gen Z ignoring financial advise from the millionaire sitting across the table from her is what did it for me.
Regularly scheduled hammer time is always nice
This is the best channel I swear!!! Caleb doesn’t just give random advice, he literally looks at the info people give him and give non official financial advice and most importantly REALITY CHECKS! No other “financial UA-camr” can compete cause their information is so random and not personal. Anyways CONGRATS on over 100k subs Caleb!
I know everyone is saying the same thing in the comments but I just want to REITERATE that you're doing great work Caleb!! Not only inspiring the people on your channel, you're also inspiring all of us viewers. Keep it up bro!!
I had a coworker whose father owns an architecture business. She was raised in a very high-class neighborhood and traveled to so many countries. Apart from working part-time at the time, she would take money from her dad's wallet and use his debt card. Her room after Black Friday was ridiculously packed with makeup pallets. My other coworker was very jealous of her because, like me, she wasn't raised wealthy. I said "Why be jealous? She obviously does not know how to handle finances and that can be very detrimental in the long run for her".
It took me a large part of my adult life to finally find my financial footing. Even though my mother is a very successful real estate investor, she never let me see any of it and also never taught me anything about finances. I'm glad (in hindsight) that she didn't enable me with her wealth so that I could actually make it myself and feel some pride in that. However, I can't help but wish she had at least taught me SOMETHING about finance, especially since she has a master's in business, so that I could've reached this point sooner.
I know. It’s amazing how our parents let down their kids so badly by not teaching us about finances.
Caleb you did it! 106k subscribers (and counting). Congratulations! This was a great video too.
Thank you for these videos Caleb. Like a lot of millennials I’ve bought into the narrative that I’m screwed financially. My attitude through my young adult life has been “why even try to fix things, when the deck is so stacked against me?” I walked around with a chip on my shoulder, like I was owed something because of my bad circumstances. Your videos inspired me to take responsibility for my finances, and now I realize maybe my situation isn’t as hopeless as I thought. I’m in 10 times better shape than most of the people you have on. Keep up the good work, and congrats on hitting 100k subscribers!
"How will you pay living expenses during med school?"
"I have my boyfriend. He's a chemical engineer".
Run, dude, run!
Don't be a wallet!
Beyond our house, my husband and I have never had debt. I've been supporting myself almost entirely since I started working and my husband has been since he moved out at 21. That's no debt to be proud of. Daddy paid for everything until she's in her mid twenties it's not no debt to be proud of. She could've been so ahead, but she squandered that opportunity.
10 years ago I was in college and has no financial literacy, growing up with immigrant parents who live paycheck to paycheck. I get $3000 every 3 months from my financial aid + school loan, after I paid my tuition. That’s $1000/m and life was good. But seeing someone blowing $7500/m is mind blowing. I
didn’t know anything about finance except living within my means and I think that’s half the battle. It’s not what you make but what you keeps.
Caleb you need a buzzer for every time someone on your show says "mindset"
My question is, has she even gotten into medical school yet? Because it seems like she’s relying on a plan that isn’t even guaranteed…
Also, I don’t feel like she has the drive to succeed in medical school
Don’t think she will survive. Doesn’t seem like someone who’s understands priorities. But at the same time, some people do have daddy’s money lol
My situation is truly out of my control but I love seeing someone young like me talking like this without being delusional about what one can do to better themselves financially.
The fact that she’s able to make any money as an influencer shows exactly what’s wrong with our country.
The system has never been fair.
Blame Kardashians....that's what passes as "culture" in many circles.
I appreciate having someone on the show that isn't deep into debt yet. She has a chance to turn things around and that's an important time. That being said in the same way regarding physical health, people won't change until they're ready to change. It was a big step for her to actually reach out. I think she has some good friends if they're willing to do budget challenges and such, but she needs an internal push. Maybe she should do a challenge where for one month she can only spend what a low income family does so she can see just how nice she has it and how she might end up if she doesn't stop
"I appreciate having someone on the show that isn't deep into debt yet." I think she is either lying or blindingly ignorant about her finances. I personally think she is lying and using Caleb to push her SM. Her dad is keeping her head above water. I have serious doubts about her getting INTO medical school let alone graduating, ESPECIALLY when she is going to take a gap year. Medical schools aren't going to want a pre-med student who brain dumped for a year prior to entry. I love this channel, but I don't care to see more trust fund kids on here.
@@Aaron_Ada Are you kidding? Med schools love good MCAT scores paired with an essay about what you learned in a gap year. Students who did undergrad only and go straight into med school have an essay disadvantage because they don't have anything original to write about. Her PT ER job will help a lot, too...
Oh please, she’s not in debt because Daddy is paying for everything.
Privileged people that come in the show can be soooo boring but stayed to support Caleb. 🤣🥰🙌🏽
yeah the [poors whos parents failed by not aborting are better train wrecks to watch
Envelope system is the best! My mom did that when we lost our home and went on food stamps. Decades later, I still do the Envelope system, have no debt, am approaching 6 figures of saved cash for a house down payment. I’m pretty convinced allocating a fixed amount of cash for restaurant, grocery, and “miscellaneous” purchases (wants/tips/etc) has made it so I could save so much 💵
As someone who is also 23 in med school for neurosurgery , $16 is pretty low. Currently in Nyc and the er was $21, still low but I felt so overworked and underpaid ; her will power strong
7.5k per month mostly from the ER...
$16 x 12 hours x 2 days x 4 weeks = $1536
SO... $1500 becomes 7.5k...
So it isn't really from the ER...
At least she was smart enough not to piss away the modelling money.
"Professional signed model since I was 2" jesus christ.. some parents are disgusting.
Lmao 🤣
Yea one of our friends asked if we wanted to have our baby model....hard pass lol. The only way I would even possibly consider it if it made money and we would put that in his 529, utma, etc.
Yeahhhh not a fan of that
At least she’s getting the money to pay for school instead of what some parents do where they spend it all themselves.
Well it could be for like Gap clothes. It's not like Victoria Secrets for babies