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About as much value as this guest got out of her Monopoly Go spending. "Shields? What is this?!?" Sign up for this channel membership and get loyalty badges instead!
@@MichaelVash7886yeah, because most we’ve recorded are hard to put out on the main channel due to AVD. They are about 30 minutes long. First one coming soon 😊
I wanted to quit my job, but was looking for another one before I did that. My friend kept telling me to quit because "the universe would catch me." I was so confused by what she was talking about and ignored her. A few months later, she asked me if my parents had ever threatened to cut me off. I was confused, "cut me off from what?" That's when I learned her parents paid her rent every month. We are 38 years old. I have covered all of my own expenses since I moved out at 19. "The universe" was her upper middle class parents.
At 33 got divorced, 420 credit score, 0 retirement , 40k in debt. lived paycheck to paycheck for 6 years, been at a blue collar job past 18 months, managed to get 40k in 401k since start, average 55 hours a week, paid off 2023 Camry in a years time, have a 4 month nest egg, zero debt. Recovering addict, anything is possible.
Yeah if anything the reverse of that is way closer to "financial independence". At that point it would be "I'm surviving on my own but they buy me nice things." Neither is financially independent but in one of those situations you can at least survive if they stop paying for things. In the other your existence is dependent on them and you're just making fun money. Basically the way most middle class high schoolers exist (having rent and food covered but having a part time job to pay for movies and dates and fast food).
Such a reoccurring theme these days. "hell yeah girlboss I'm independent 100 emoji" *has someone else paying all their bills and couldn't survive on their own*
“My parents stopped helping me” meanwhile she lives with them rent free, they pay to take her on vacation, buy all her groceries, pay all her Utilities, cover her insurance, and paid her car insurance. These people don’t know what real responsibilities are and live in a fantasy world
Perpetual adolescence, only humans have the luxury for this. Even a baby deer has it's shit together and is walking around and feeding for itself almost immediately.
Divorcing in 7 months because of sending money to OF but not having a single ounce of proof after squandering financial security and a free degree from your parents? Sounds like a young military marriage to me.
She’s such a fool for that and for beginning a marriage that was so weak that such a lie from a husband would make her heavily change her life so much. She was a young adult only having to spend money on her fun stuff and everything else was being covered by her parents. If I were her I would’ve just put on a show for my parents until I graduated and/or could financially support myself and move out and then got a divorce.
If I was ever interested In marrying someone and their parents were taking care of them financially unless they got married, I wouldn't marry them! I would wait! It is difficult in the military though, but clearly they weren't meant to be.
The amount of financial privilege she was born into and squandered it. So many young adults including myself never got financial support or money for college.
@@wedgearyxsaberI mean it still has more to do with communication and expectations. People don’t go into marriage with clear communication and expectations and then that leads to conflicts in the marriage.
@@RobertSorenson4991 my point was less abstract, but yes, but most people at a young age are not aware of or settled entirely financially or emotionally enough to do these life-changing events. You learn communication as you age and you learn to be independent the longer you ARE Independent.
@@nono99136 our current system only works if younger generations work and pay for the social security of old generations. US government has stolen it now and wont be a thing in 2030 or earlier so im with you let it all burn and get a better system
When I was 16 I got my first job. Paid for my first car, my gas, and insurance. Also bought my first ever smart phone. Never said I was independent from my parents since I moved out at 19. This girl is insane
“He was watching porn, which I really can’t prove, and then lied to me about something I can’t verify actually occurred”. My brain can’t process that kind of logic without being at risk of stroking out!
@@JKRBWshe literally said she didn’t have an issue if he was watching it (even if that *was* her issue that’s a fine boundary to have), but that he wasn’t being honest with her about it. People are willfully misinterpreting her. Her finances are bad on their own but we don’t need to twist the words on the marriage.
The last few audits have been so much more chill, less screechy, less drama. Feels like classic Caleb and I’m loving it. I can only watch so many trainwrecks who have no intention of getting better
agreed. love these videos and enjoy them a lot- thank you. I do also wish we could also see some people who's situations aren't so dire/trainwrecks. Like more people with maybe 5-6 hammer scores. I learn from these people who have been on the show in tough situations, but also would love to see content about what comes next after getting out of credit card debt .then what ..like a person who (actually realistically) could work towards buying a house, paying for a wedding, retirement..like what comes on the other side of this debt for the people who do actually dig out. maybe some debt payoff stories, etc
Absolutely, I feel bad because I love watching Caleb's content. And it's not his fault because he doesn't know until they get there what they're truly going to be like but I can only sit through so many of those screwball, dramatic, self involved, self righteous, entitled cooks before I just can't watch anymore. 😂😂
I'm caught between wanting to see a video that is more close to my specific situation so I can get helpful feedback, and wanting to see fucking train wrecks who have no intention of getting fixed. Angry Caleb is fun sometimes
My parents cut me off: Is living at home rent free Doesn't have to pay any utilities Parents are paying for car insurance Parents are paying for all groceries Sounds like a really rough life
So true, I'm living with my mom as we have double apartament house (I'm living in my late grandparents) while paying my mom 500 monthly for utilities/bills, I started paying her pretty late that's why I want to make it up for her as fast as I'll be able. The only reason I don't have stable job is my lack of axperience (so quite empty cv) and quite high social anxiety, but I have few seasonal jobs that doesn't spike the SA and I earn throu the whole year enough money to go by without debts (the only minus is not having retirenment funds, but in my country it's not guaranteed even if you work most of your life while paying the retirenment taxes). I know it's the last call to start earning, and I know that if I'll have stable earnings I'll be easily building those savings as I am very frugal.
Probably a thirsty Marine stationed in Camp Lejuene/New River/Cherry Point. I say that because Marines call their base legal 'base legal,' while Army calls it "Legal Assistance." Also there is no Ulta near Fort Bragg while there are a bunch near the Marine bases.
My girlfriend thinks I’ve gone insane trying to sell stuff to get out of debt. Thanks Caleb for putting a fire in me to change my (and hopefully her) future.
Freedom is great. My mortgage is 3 years ahead and the only other loan I have had in 20 years is my car. It’s 1/2 paid off in 6 months. I hate having the second payment it interferes with doing anything with cash, and is keeping me in a job I don’t like. I have a 6 month buffer but I’d rather keep it than have to build it again.
it helps you more than anything realize how little you get back reselling things than than what you bought it for, and making future purchases with that in mind.
The number of adults that come on to this show and do not know their finances is WILD to me. You’re a grown adult! How do you NOT know how much money you have? How much debt you’re in? And have A PLAN TO GET BETTER AT FINANCES!? Truly wild. Wild.
You just hit a point where you give up and stop caring. To be fair, it can be difficult to keep track of all the different accounts and track spending on them. But there are so many budget applications that track the spending for you and make it autonomous so it’s just a matter of taking that first step.
It comes from parents. I burned a lot after started living by myself at 16, because I never was getting any pocket money from my parents. Ofc had no car (I’m European, I don’t need to), but I wish I burned on some small amounts during my teenage years, than on overspent of 600€ in my first three months living by myself.
I do all my finances and bills on the 30th of every month. Most things aren't on autopay, but I have a calender reminder set with everything that has to be paid. I move enough into checking to cover all the bills, pay all of them at once, and then I am done. It is really not that hard, it gets hard when you stop paying stuff.
I was guilty of this before starting to watch this show.. Caleb made me realize I was just being immature and completely stupid, I’ve since pulled my head out of my rear end and have paid off a lot of debt
My parents cut me off but they still put a roof over my head, pay for car insurance, buy groceries, pay for utilities. BUT they totally cut me off. Bullshit spending of 70%!!!!! Fuckin wild!!!
@@Aladeen555Don't forget the forbidden 13th step where a veteran of the program meets up with one of the newbies and goes on a 3 day shopping bender. Lmfao
Oh hell NO. As someone who supported myself all through university, and watched my friends get all their bills paid for, you do NOT get to complain about this. There are so many of us who would kill to have that level of financial support from our parents, and she just threw it away? I'm already mad at this!
I dont envy them anymore, cuz i have seen what i can do on my own, and holy fuck that is such a great feeling,yk WE ARE STRONGER, because we fought we have the knowledge to be on our own, just look at these people when the parents cut them off, they are lost. It was hard growing up, and start working at 13 but im so glad for what i have become.
Welcome to the risks of getting married in the military. That alimony will stop when the divorce is finalized. It does really hurt the husband that he’s the one filing.
It’s part of the BAH bonus that you get as a couple to pay for housing. If you’re a service member and you divorce, you lose that, or a portion of it depending on your rank. You have to be married for 10 years minimum to get any sort of alimony.
I went from a relationship that drained my savings, then break up, new apartment by myself, having to repurchase furniture that the ex got rid of, then taxes hitting me in the face (I have never owed on taxes, idk what happened other than I had to work 4 jobs last year to survive). Now, I have a new job with benefits and pretty good pay. I'm finally getting back on my feet. I just paid off a credit card and put some money towards my emergency fund today!😊 Thanks Caleb!
@@kyanagriffiththat’s amazing! Keep up with the work and never give up. I’m beyond proud of you and that motivates me to keep paying my debt. You got this!
@@TheSasha4150You got this! Watching these videos three times a week keeps me motivated to stay tuned into my budget/finances. It’s actually kind of made it fun to do, like a game with myself on how quickly I can do it haha
I can see why her parents wanted her to not get married, they wanted her to be independent and be able to make sure she survived on her own, not mooch off her partner..
“This was the only way I could get approved for a car.” Bro, the point to the approval is to make sure you can afford it. Going through someone else doesn’t all of a sudden mean you can afford it, it just means someone else can.
Thank you Caleb. When you said “let this be your rock bottom” it struck a cord! I am NOT in a bad financial situation but my spending has been more than it used to be so I’m letting this be my “rock bottom” even though it’s not awful. Gotta get this stuff in order so it doesn’t become something bad down the line
She’s the victim in all these situations, she’ll always be the victim in any difficult situation. If you’re always a victim you can be blamed or shamed. It’s a toxic trait.
i've found tremendous relief living in LA working two jobs by embracing how weird, quiet, and solitary I am. My weekly expenses are so low. just books, free parks, groceries. gas. I've changed my mindset. I have fun creatively and it feels great because in spending no money😅
For the first time in my life, all 4 of my credit cards have reported with a $0 balance every month so far this year thanks to this channel! Thank you FA!
Financial good news since watching the show early last year: - hubby & I have a 6 month emergency fund - increased 401k contributions - began adding additional payments on the home - have no major debts except the home & an interest free car payment - haven’t spent money on DoorDash, UberEats, etc. Since January this year. Last year we went from ordering 2-3/week to *once* every 4-6ish weeks, usually picking it up ourselves to save on delivery fees. - stopped going to coffee shops. We’ve been making lattes & iced coffees at home and have only gone out maybe 3 times in the last 6 months 😅 lol
I would love to see more people on the show who are in a better place financially. It would be nice to see what other people have done that's worked for them, and get suggestions on how they could move to the next level.
For real. When she said she was in the process of getting a new job and said oh I need to call them and pulled 3600 a month out of her ass. I called BS BIG TIME.
Could have just bypassed the lawyer expenses at that point and claim mutual dissolve of the marriage usually just costs a few dollars especially since it was under a year.
I’ve never gotten though a complete episode of this channel. You allow them to blab on about their life history, and all of the “victim “ speak. Is it just me or does anyone else notice….?🤦♂️🤷♂️
Thanks to you...paid off over $14k in credit card debt in the last 12 months. I didn't have a sufficient emergency fund when I lost 50% of my salary for an entire year during covid. Everything went on the card. Learned my lesson. Lease car ended, and I didn't get a new car since I work from home (sucked the big one), cut my cable, cut netflix and Spotify, only home cooked meals (this was the worst 😅), rented out a room in my house for extra income. Im officially debt free as of this month. Before I get a car, I'm going to build my emergency fund and pad my checking account. This sucked and was sooo hard, but I feel so much better and, most importantly, I'm FREEE!!!! My credit is back up to 820. Thank you!!!!
Her eyes LIT UP with excitment when he asked if the relationship was toxic. Immediatly follwed with her stating she wants to be financially independant in a year, a year and a half, max 2 years. Her "friends" heard what she said and went behind her back to tell her "toxic" husband who she accuses of things with no proof. . . . I can guarentee his parents were also dissapointed and guiding against this marriage, I would hate to see my son involved with a person like this.
If you have kids now, saying you let them live at home therefor you're generous is selfish. I bought my house just before the pandie, 2018, my mortgage is 1050 a month. A studio in my area is around 2000 a month. I do not have 2000 a month. If I was born a few years later, I would literally be homeless. I would need 1-3 room-mates to rent a studio, but I would rather live in a van. Because I was born a few years earlier, I have a 4 floor house, yard, pool, front yard, shed larger than the average studio.
That is so wild! Her parents clearly wanted her to finish her education and wait until her brain fully develops to make a lifelong commitment to somebody. Considering she ended up getting divorced shortly after getting married it's clear they were trying to steer her away from making a poor decision.
Probably told her that because they saw this dude was bad news and hoped she’d wake up/grow up. Sure, she isn’t exactly a green light, but that doesn’t mean he’s perfect either. 22 is very immature. She seems like she doesn’t learn lessons and doesn’t respect her parents, so i’m not surprised at this situation.
@@YouMissedBro In a way, if they raised a kid to be this stupid..they deserve that. But also props to the child for not knowing how to think for themselves lol
@@YouMissedBro I was thinking it would more be the boomers gaslighting the whole time how they "told them to save and not use debt a thousand times" and they have no idea why their child is struggling lol
Why do so many people have trouble understanding the difference between “when” and “whenever”? “Whenever” is only for reoccurring ‘whens’, not for referencing a singular moment.
@@hhhhhhhhhh1919 Yes. Just like how people don't capitalize properly on an Internet comment when they would at work. Or how some classes of people from some regions will make a point to use complete sentences and questions that contain both a subject and a verb.
@@williamstone7514It's crazy to think that you can get a $30k car loan but not a $3k signature loan or even a $3k loan using the car for collateral to get it fixed.
Financial good news for me so far this year is getting a new job. Same pay but lots of overtime opportunities at double pay. A little closer to home (was driving an hour each way for the old job). I’m saving $500/mo by not having to take the toll roads everyday. Saving $150-$200 on gas monthly. Way better and more affordable benefits + 401k with match and more PTO. I have way more time in my day now to make moves on side gigs. & that is just the financial upside. Mentally, physically, emotionally a better fit for employment + more quality time with my daughter. 🥳
Someone lied to her and told her putting on a child like demeanor was cute. But its absolutely not. I cringe to think of her in any type of management position
Thank you 🙏🏻 @natalierose1072 Cringe is EXACTLY how I would describe the feeling she gives me just listening to her speak and watching her facial expressions etc I have an almost 11 year old daughter I don’t need to entertain a grown woman behaving like an adolescent 💯
@@nono99136 JK lol. But it's cute when its a 19 year old, not so cute when you are 27 and living with your parents. Also, men tolerate:, because its fun at first. Same way some woman will tolerate a lazy bum. Evenaully you get annoyed being someones daddy/mommy all day. Very emotionally draining.
They said that a lot was cut that was toxic, Caleb literally says sorry about the things shes been through. Chill out and dont be calling her a nightmare lol
She's only 23 dude 😂 What is that, like 1 year out of college? Half of the ppl in this country make dog shit money, so what do you expect? I know ppl in their 40s who are in similar situations. 23 ain't bad at all
Maybe I'm off base, but is there a game at a certain point? I feel like it's just click button, watch 5 second animation, click button again rinse and repeat.@@Username0467
When people spend $200+ on games like these in a single month it really baffles the mind. Like, go buy real games at that point. Yeah they're still expensive, and still a bad idea if you're in debt, but Baldur's Gate is like 300 hours of dice rolls for $60.
Isn't 'whenever' like a hypothetical or unknown future tense, and when is for more definite or past tense? I read a lot of books but it's been awhile since I paid any attention to the rules of grammar.
This mistake seems to be becoming more and more common, however I only ever see it being said by people from North America. I live elsewhere and have never heard this in real life, only ever on youtube.
Honestly love how evertime a bad relationship is brought up on this show it's hecking toxic and unsafe, and completely one sided. Also zero proof, but she needs to hire a lawyer, for which I assume she's going to try and take him to the cleaners. Sounds like they got hired for BAH, and instead of cashing out they're both going to end up in the hole with lawyers fees, clowns.
She doesn't even realize she is a commonly known stereotype in the military. I don't need to hear her story to already know all of it and know she is not only lying to the camera but mostly to herself.
I sat with a financial advisor earlier this year and he told me to watch Dave Ramsey. I found Caleb and started really sitting down and figuring out my finances. By the end of this year I'm on track to pay off almost all my debt and getting an emergency fund. I'm almost 27 and I decided that I can't die working like I thought I was going to. Thank you Caleb for helping me get my finances under control.
Before I watched this series, I was completely committed to the idea that I was NEVER going to pay back my student loans. I didn't care and I wanted to spend my money on things that made me happy short term. Watching your show inspired me to do better with my career and finances, SO YA GIRL PAID OFF HER STUDENT LOANS AND LANDED A CAREER! Thanks, Caleb! Now go take a vacation! You're doing the good work! 💕💕💕
In my opinion, this is another adult who is just being enabled by her parents and even society. Enough of the victim mentality, at what point do we keep treating adults as little kids and not start holding them accountable for their place in society, and their actions. To be a fully functional and responsible adult without relying on parents entirely. This air of infancy and babying we have created is not helping the younger generations grow up. The worst thing you can do is give everything to your kids and them never experiencing the consequences of their actions, it hinders them and sabotages their maturity.
I have nothing against parents giving "everything" to their kids. For many people that is their financial goal, to be able to pay for their kids' college, help them with their first house, etc... The issue is that the "kid" receiving all those things should be a functional adult who understands the value of what they are getting. We have a huge issue in society with adults who think that they should have been taught in schools how to "adult". There is a dominant mindset that promotes the idea that you can simply block key stages of life because kids need more time to think, or adults need more time to learn "adulting". This is, of course, extremely stupid. Time does not stop just because we wished it did. The years are going by, and we have lost a generation that is now in their 30s who is still complaining about "adulting" and not having enough for a downpayment on their dream house, all while sipping on a frappuccino and waiting for their Temu order to arrive.
@@rtre957 You hit the nail on the goddamn head. I live in the same house as a messy, jobless 30 year old who plays the same video game 14 hrs a day and sleep for the final 10, wondering why her life sucks while sipping on Doordashed boba paid on mom's credit card. Putrid and vile
My positive is I got a promotion with a pay increase then got a raise a few months later and set up my 401 k finally. Yay. Also stopped using my credit card in 2024 and have been working very hard to pay it down.
I know a lot of people say “we want to see audits of normal people” but I just want to say I’m here for the lunatics. The more unhinged the spending, the better
I like a mixture of both. Watching the crazies is like cheap theropy letting me know that I'm doing OK in life. Just like when I watch the average people you see at Walmart, I can say I may have issues but atleast I'm not that bad.
The financial lunatics especially their reasoning. It's like a safari, but instead of wild and dangerous animals, it has wild, crazy, and dangerous decisions.
I half agree. I do love a bit of drama, I have learned so much from the crazies about how they actually live, a question that have eluded my husband and I for years BUT I would like to see a few people sprinkled in who are here for the right reasons who will turn their lives around. Just a little bit of hope for the future.
Something positive that has happened to me financially this year: I finally started working with a financial advisor for my retirement funds. I had a stale 401K from an old job that was doing nothing, and now I have that money in the compound growth machine, working for me. This show has really inspired me to stop dragging my feet on financial things. I might have kept dragging my feet if I didn't start watching. Thanks to the team who keep this whole ship afloat. You're changing lives out here.
This is a prime example of parents enabling their grown children. This girls lives with her parents, they pay for a roof over her head, her groceries and car insurance. Her (ex) husband is paying her alimony (which is ridiculous in itself.) She quits her job to go on vacations overseas paid for by her PARENTS!! And you wonder why you have BS spending on GAMES and everything else. It’s because she’s not living in the real world like the rest of us, no real responsibilities and mom/dad will always bail her out.
@@MPPG663my bf’s manager did actually ask him to change our 5 year anniversary reservation to the next night so he could work lol. He quit a month later bc they didn’t want to work with his availability since he was working two jobs. 🤷♀️
Tip: Buy a copy of your comfort show (when you can afford it), so you’re not sucked into subscriptions indefinitely for something you’ll watch repeatedly. It saves you money over time. Same with music.
This is just what I said to some people…that I was going to buy episodes of some other shows I have and then cancel the subscription because I am literally watching the same shows on the streaming services.
She went to San Marcos for a “girls weekend” while being broke and in debt. That pretty much sums up the under 35 generation in today’s America. “I work 35 hours a week and deserve to spoil myself whether I have the money or not!” They are all about instant gratification.
@@aeromedical6776I’m apart of this generation sadly, these people most definitely failed math, are highly incompetent in basic concepts, and have so many screws loose in terms of priorities and accountability. Sad that I’m younger and understand basic financial concepts that so many people overthink or overlook. Yet they want to be mad at the rich for being smart with their money😂 floating in a sea of victimhood and consequences from poor decisions
Lmfao, I got to the KFC part, immediately thought, "Cartman". Then I look at the comments 5 seconds later and see this comment. Glad I'm not the only one who thinks the same 💀
This girl using mental health and her fragility as an excuse to make poor financial decisions. Reminds me of my 18yo and Caleb is way more empathetic than I am with that BS.
18 years in the Army and as soon as I saw she was married to a military guy I was like “yup this all checks out.” Not to be rude to the guest, but in the Army we call these types a “dependapotamous” No real career of their own, dyes their hair weird colors, makes very poor life choices, highly jealous of her man but also very reliant on his money/benefits. Married way too young, gets lonely on base while husband is away on deployment and/or training. Bonus Depends points if they try and make money on MLM side hustles like Doterra, Avon, Mary Kay etc. Military communities are ripe with these.
Military men are some of the most controlling, emotionally inept men I’ve ever come across. Served 8 years, and I would never in my life marry a SM. A lot of them will go grab some 17 or 18 y/o with no life experience, take them from their family, and then essentially just use them as maids and incubators. They won’t allow them to leave the house for work, and are super financially controlling. I’ve met some MIL Spouses who are in their 20s and 30s who don’t even have a driver’s license because their husband won’t allow them. If anything, this guest was taken advantage of.
As an air force wife, dependapotamuses and tricareatops are such a bane to my life. If I have to deal with another sahw that never matured past high school trying to enlist me into their pyramid scheme… there are reasons i refuse to live on base. Although, the petty drama is fun to hear about secondhand
Today is our first POST SHOW! The conversations continue after every episode, join our membership to get access to every post-show! ua-cam.com/channels/Le_q9axMaeTbjN0hy1Z9xA.htmljoin
I would subscribe but then I can already hear Caleb’s voice “WHY ARE YOU SUBSCRIBING TO THAT?!? THERE’S NOTHING GOOD ON THERE!!!!!”
Wait does it also include follow up episodes? I'm not as interested in the post show. But are you putting follow up episodes behind it?
About as much value as this guest got out of her Monopoly Go spending. "Shields? What is this?!?" Sign up for this channel membership and get loyalty badges instead!
@@killjoebiden2023the ads are literally the same settings as they’ve been since the channel started. Haven’t changed anything.
@@MichaelVash7886yeah, because most we’ve recorded are hard to put out on the main channel due to AVD. They are about 30 minutes long. First one coming soon 😊
Saying your parents cut you off when you live at home and they cover all of your necessities is wild
I hope they watch and see how appreciative she truly is. Unbelievable
Right?! Free rent, groceries, utilities, car insurance is cutting you off?
I wanted to quit my job, but was looking for another one before I did that. My friend kept telling me to quit because "the universe would catch me." I was so confused by what she was talking about and ignored her.
A few months later, she asked me if my parents had ever threatened to cut me off. I was confused, "cut me off from what?" That's when I learned her parents paid her rent every month.
We are 38 years old. I have covered all of my own expenses since I moved out at 19.
"The universe" was her upper middle class parents.
Sounds like 'cut off' means they don't simply give her large amounts of cash.
She threw them under the bus.
Going into debt playing monopoloy is the most ironic thing ever.
😂😂😂😂
🤦♀️
ikr, she honestly should try playing the base game with her family instead... It'll only cost $20 once, too.
Only in America
Bro she’s addicted to monoply? I’ve struggled with drinking too much, but how the fuck do you get addicted to monoplu
At 33 got divorced, 420 credit score, 0 retirement , 40k in debt. lived paycheck to paycheck for 6 years, been at a blue collar job past 18 months, managed to get 40k in 401k since start, average 55 hours a week, paid off 2023 Camry in a years time, have a 4 month nest egg, zero debt. Recovering addict, anything is possible.
That is amazing!
That is fantastic! Good on ya!!
Hell yeah brother!!
2023 Camry? Great depreciation...
Blue collar jobs are great for getting you out of a financial hole. Bless them
"I was financially independent for a while and they just paid for necessities" girl, you're not financially independent then.
So many guests were great with money for two weeks😂
Yeah if anything the reverse of that is way closer to "financial independence".
At that point it would be "I'm surviving on my own but they buy me nice things."
Neither is financially independent but in one of those situations you can at least survive if they stop paying for things. In the other your existence is dependent on them and you're just making fun money. Basically the way most middle class high schoolers exist (having rent and food covered but having a part time job to pay for movies and dates and fast food).
That's like entirely financially dependent 😂
@@CSpottsGaming Agreed, literally how a 16 year old would live. Parents pay the bills, the teen pays for fun shit.
Such a reoccurring theme these days. "hell yeah girlboss I'm independent 100 emoji" *has someone else paying all their bills and couldn't survive on their own*
“My parents stopped helping me” meanwhile she lives with them rent free, they pay to take her on vacation, buy all her groceries, pay all her Utilities, cover her insurance, and paid her car insurance. These people don’t know what real responsibilities are and live in a fantasy world
I think she was trying to avoid saying that they stopped giving her an allowance.
Perpetual adolescence, only humans have the luxury for this. Even a baby deer has it's shit together and is walking around and feeding for itself almost immediately.
Gen Z
They stopped helping while she was married and living with her husband. Now she lives with the parents again and they help her again.
@@missumbrella3135 she basically has never taken care of herself her entire life and she is 23. Adult baby
Here's a positive, she hasn't had children. Bringing them into this situation would have disastrous!
THIS!
Buddy, I want to have your faith in humanity 😂 I see her having a child in the next 5 years but I would love to be wrong 😅
Divorcing in 7 months because of sending money to OF but not having a single ounce of proof after squandering financial security and a free degree from your parents? Sounds like a young military marriage to me.
I thought the exact same thing. Glad I stayed single when I was in.
She’s such a fool for that and for beginning a marriage that was so weak that such a lie from a husband would make her heavily change her life so much. She was a young adult only having to spend money on her fun stuff and everything else was being covered by her parents. If I were her I would’ve just put on a show for my parents until I graduated and/or could financially support myself and move out and then got a divorce.
I am not familiar. Where can I further look into this?
"He was supposed to take care of me"... hmm, you look like a grown ass person that should be taking care of yourself.
If I was ever interested In marrying someone and their parents were taking care of them financially unless they got married, I wouldn't marry them! I would wait! It is difficult in the military though, but clearly they weren't meant to be.
Every time a guest says "I'm currently in the process of..." The statement should just end with "lying to you".
I was thinkin the same thing!
It's worse they're lying to themselves too
Every time she opened her mouth lies fell out. What a joke of a person.
41:08 she says it’s like a wake-up call and she’s made all this progress. But it sounds like a LOT of talk. I’m not convinced.
The amount of financial privilege she was born into and squandered it. So many young adults including myself never got financial support or money for college.
Fr. College paid for as long as you don't get married before a certain age. Say less.
Less than two minutes in and we already got a “what are you??”
That has to be a record
Yeah this one’s going to be painful to watch 🙂😂
To be fair 50 percent of the people and alot of the women nervous laugh and somehow after a year he doesn't understand that
I had a bit of a stroke at the suggestion that being a woman and taking foreign trips are inherently linked.
This show has taught me how important it will be to teach my future children about finances and responsibility.
And not instantly marrying the first person you find
@@wedgearyxsaberI mean it still has more to do with communication and expectations. People don’t go into marriage with clear communication and expectations and then that leads to conflicts in the marriage.
@@RobertSorenson4991 my point was less abstract, but yes, but most people at a young age are not aware of or settled entirely financially or emotionally enough to do these life-changing events. You learn communication as you age and you learn to be independent the longer you ARE Independent.
@@nono99136 our current system only works if younger generations work and pay for the social security of old generations. US government has stolen it now and wont be a thing in 2030 or earlier so im with you let it all burn and get a better system
Truth
Doesn’t pay rent, doesn’t pay groceries, doesn’t pay car insurance but she “got cut off” what world is this girl living in
>pretty much financially independent
>buying my own gas and clothes
That's... that's what a teenager pays for with a job.
When I was 16 I got my first job. Paid for my first car, my gas, and insurance. Also bought my first ever smart phone. Never said I was independent from my parents since I moved out at 19. This girl is insane
She’s definitely a 23 year old teenager 😂
Lol didnt get that as a teen thats a privilege too
@Deez_nutt5 Having a job isn't "getting" anything, that's kind of the point.
We all grow up at different rates, don’t shame her.
When she said she got divorced 7 months in I was shocked, then she mentioned it was a military marriage and i wasn’t surprised at all.
The most surprising part was that they waited so long to get married in the first place.
“He was watching porn, which I really can’t prove, and then lied to me about something I can’t verify actually occurred”.
My brain can’t process that kind of logic without being at risk of stroking out!
It sounds like the issue is that he was paying for it, not that he was watching it.
@@ma.2099 - EXACTLY. Again, you can try to rationale her idiocy.
@@JKRBWshe literally said she didn’t have an issue if he was watching it (even if that *was* her issue that’s a fine boundary to have), but that he wasn’t being honest with her about it. People are willfully misinterpreting her. Her finances are bad on their own but we don’t need to twist the words on the marriage.
I love that he kinda calmed down when she started crying. His approach totally changed, but he still held her accountable.
he's gonna make a great actual daddy ❤❤❤
The last few audits have been so much more chill, less screechy, less drama. Feels like classic Caleb and I’m loving it. I can only watch so many trainwrecks who have no intention of getting better
agreed. love these videos and enjoy them a lot- thank you. I do also wish we could also see some people who's situations aren't so dire/trainwrecks. Like more people with maybe 5-6 hammer scores. I learn from these people who have been on the show in tough situations, but also would love to see content about what comes next after getting out of credit card debt .then what ..like a person who (actually realistically) could work towards buying a house, paying for a wedding, retirement..like what comes on the other side of this debt for the people who do actually dig out. maybe some debt payoff stories, etc
Absolutely, I feel bad because I love watching Caleb's content. And it's not his fault because he doesn't know until they get there what they're truly going to be like but I can only sit through so many of those screwball, dramatic, self involved, self righteous, entitled cooks before I just can't watch anymore. 😂😂
Not everyone is going to be a Cinderella story
Totally agree, would prefer if Celeb keeps going with more normal people and less nut cases!
I'm caught between wanting to see a video that is more close to my specific situation so I can get helpful feedback, and wanting to see fucking train wrecks who have no intention of getting fixed. Angry Caleb is fun sometimes
My parents cut me off:
Is living at home rent free
Doesn't have to pay any utilities
Parents are paying for car insurance
Parents are paying for all groceries
Sounds like a really rough life
Also getting free money from her ex-husband
@@WornArsenicbut she has to spend it on Monopoly Go to get back at him!
PETA has been notified
So true, I'm living with my mom as we have double apartament house (I'm living in my late grandparents) while paying my mom 500 monthly for utilities/bills, I started paying her pretty late that's why I want to make it up for her as fast as I'll be able.
The only reason I don't have stable job is my lack of axperience (so quite empty cv) and quite high social anxiety, but I have few seasonal jobs that doesn't spike the SA and I earn throu the whole year enough money to go by without debts (the only minus is not having retirenment funds, but in my country it's not guaranteed even if you work most of your life while paying the retirenment taxes).
I know it's the last call to start earning, and I know that if I'll have stable earnings I'll be easily building those savings as I am very frugal.
That soldier dodged a bullet without even having to be in combat.
This deserves more likes.
Buddy dodged a nuke
Underrated comment.
Underrated comment.
Probably a thirsty Marine stationed in Camp Lejuene/New River/Cherry Point. I say that because Marines call their base legal 'base legal,' while Army calls it "Legal Assistance." Also there is no Ulta near Fort Bragg while there are a bunch near the Marine bases.
Whenever I feel down, I watch financial audit. It makes me realize that my life really isn't that bad.
Lol wild yet hilarious comment
I'm absolutely here for the same reason
Real asf
So do I.
The comedian was about the only one I didn't feel that way.
My girlfriend thinks I’ve gone insane trying to sell stuff to get out of debt. Thanks Caleb for putting a fire in me to change my (and hopefully her) future.
GET ITTTTT
Freedom is great. My mortgage is 3 years ahead and the only other loan I have had in 20 years is my car. It’s 1/2 paid off in 6 months. I hate having the second payment it interferes with doing anything with cash, and is keeping me in a job I don’t like. I have a 6 month buffer but I’d rather keep it than have to build it again.
Sign her up for the show
I'm doing that with my Pokemon cards, already made 3k this year! I still buy some but not as crazy as I used to.
it helps you more than anything realize how little you get back reselling things than than what you bought it for, and making future purchases with that in mind.
The number of adults that come on to this show and do not know their finances is WILD to me. You’re a grown adult! How do you NOT know how much money you have? How much debt you’re in? And have A PLAN TO GET BETTER AT FINANCES!?
Truly wild. Wild.
my universe is exploding again??
You just hit a point where you give up and stop caring. To be fair, it can be difficult to keep track of all the different accounts and track spending on them. But there are so many budget applications that track the spending for you and make it autonomous so it’s just a matter of taking that first step.
It comes from parents. I burned a lot after started living by myself at 16, because I never was getting any pocket money from my parents. Ofc had no car (I’m European, I don’t need to), but I wish I burned on some small amounts during my teenage years, than on overspent of 600€ in my first three months living by myself.
I do all my finances and bills on the 30th of every month. Most things aren't on autopay, but I have a calender reminder set with everything that has to be paid. I move enough into checking to cover all the bills, pay all of them at once, and then I am done. It is really not that hard, it gets hard when you stop paying stuff.
I was guilty of this before starting to watch this show.. Caleb made me realize I was just being immature and completely stupid, I’ve since pulled my head out of my rear end and have paid off a lot of debt
My parents cut me off but they still put a roof over my head, pay for car insurance, buy groceries, pay for utilities. BUT they totally cut me off. Bullshit spending of 70%!!!!! Fuckin wild!!!
reminds me of the people on that show calle dPrince$$
And therapy :)
@@eccentricfeminine A lot of people go to therapy that don't really need it.
talk about spoiled!!
The intro is starting to feel like the start of an AA meeting. Hi my name is and I’m terrified of my finances.
Here are 12 steps to get your finances in order and have a fully funded emergency fund!!!
Practically is AA for financials
First step is admitting you have a problem.
Hahah Foreal I read this and now I can’t unsee it
@@Aladeen555Don't forget the forbidden 13th step where a veteran of the program meets up with one of the newbies and goes on a 3 day shopping bender. Lmfao
Oh hell NO. As someone who supported myself all through university, and watched my friends get all their bills paid for, you do NOT get to complain about this. There are so many of us who would kill to have that level of financial support from our parents, and she just threw it away? I'm already mad at this!
LITERALLY. This one was especially frustrating.
I dont envy them anymore, cuz i have seen what i can do on my own, and holy fuck that is such a great feeling,yk WE ARE STRONGER, because we fought we have the knowledge to be on our own, just look at these people when the parents cut them off, they are lost. It was hard growing up, and start working at 13 but im so glad for what i have become.
Fr 4 year to complete a 2 year degree
SHE IS GETTING ALIMONY FROM A 7 MONTH MARRIAGE??????
That’s just insane…
Welcome to the risks of getting married in the military. That alimony will stop when the divorce is finalized. It does really hurt the husband that he’s the one filing.
It's not alimony. She's not divorced yet. She is getting a stipend.
To be fair he’s getting paid higher while being married so he’s probably breaking even 😅
It’s part of the BAH bonus that you get as a couple to pay for housing. If you’re a service member and you divorce, you lose that, or a portion of it depending on your rank. You have to be married for 10 years minimum to get any sort of alimony.
@@Playingwithproxiesthat’s not the point she was dead weight he shouldn’t have to pay alimony
I really appreciated how Caleb steered the conversation and still allowed for some backstory without it derailing things.
I went from a relationship that drained my savings, then break up, new apartment by myself, having to repurchase furniture that the ex got rid of, then taxes hitting me in the face (I have never owed on taxes, idk what happened other than I had to work 4 jobs last year to survive). Now, I have a new job with benefits and pretty good pay. I'm finally getting back on my feet. I just paid off a credit card and put some money towards my emergency fund today!😊 Thanks Caleb!
Also, peacock has the whole Harry Potter series!
🎉🎉🎉
I have a plan laid out to pay off $50,000 in debt in the next 2.5 years and I have paid 3 out of 7 debts off in 4 months!! 🎉
I know we are strangers but i’m proud of you 🥳
👏👏👏👏
@@IAmLowkeyThank you!!
@@kyanagriffiththat’s amazing! Keep up with the work and never give up. I’m beyond proud of you and that motivates me to keep paying my debt. You got this!
@@TheSasha4150You got this! Watching these videos three times a week keeps me motivated to stay tuned into my budget/finances. It’s actually kind of made it fun to do, like a game with myself on how quickly I can do it haha
"You're rebelling against your future" lol had me rolling
HAHAHAHAHA
I can see why her parents wanted her to not get married, they wanted her to be independent and be able to make sure she survived on her own, not mooch off her partner..
Yet they raised her as a mooch lol
We hit $10,000 in the emergency fund this year!
congratulations 🎉
Yay!!
Same here! Congrats!!
Wooohooo 🎉
Hell yea!!! Woot woot!!
“This was the only way I could get approved for a car.”
Bro, the point to the approval is to make sure you can afford it. Going through someone else doesn’t all of a sudden mean you can afford it, it just means someone else can.
You buy a used Toyota or Honda, get financed thru a credit union. You don't "bend over" at some dealership and pay 60% more.
Thank you Caleb. When you said “let this be your rock bottom” it struck a cord! I am NOT in a bad financial situation but my spending has been more than it used to be so I’m letting this be my “rock bottom” even though it’s not awful. Gotta get this stuff in order so it doesn’t become something bad down the line
Blames everything on anonymous “advisors” and her husband. Takes absolutely no responsibility for herself. A giant child.
…while spending 25% of her money on a mobile game
She gives off "every word out of my mouth is an attempt to sell you a lie to make myself look good" vibe.
I didn’t believe a word out of her mouth
She’s the victim in all these situations, she’ll always be the victim in any difficult situation. If you’re always a victim you can be blamed or shamed. It’s a toxic trait.
i've found tremendous relief living in LA working two jobs by embracing how weird, quiet, and solitary I am.
My weekly expenses are so low. just books, free parks, groceries. gas. I've changed my mindset. I have fun creatively and it feels great because in spending no money😅
For the first time in my life, all 4 of my credit cards have reported with a $0 balance every month so far this year thanks to this channel! Thank you FA!
Proud of you!!!
Congratulations!🎉
Nice. Make sure u still use them, just pay off balance before closing date.
Financial good news since watching the show early last year:
- hubby & I have a 6 month emergency fund
- increased 401k contributions
- began adding additional payments on the home
- have no major debts except the home & an interest free car payment
- haven’t spent money on DoorDash, UberEats, etc. Since January this year. Last year we went from ordering 2-3/week to *once* every 4-6ish weeks, usually picking it up ourselves to save on delivery fees.
- stopped going to coffee shops. We’ve been making lattes & iced coffees at home and have only gone out maybe 3 times in the last 6 months 😅 lol
congratulations!! 🍾 thats awesome
Y’all are doing great! 🎉🎉🎉
That’s awesome!!!!!🎉🎉
Awesome!🎉
That is awesome!!!
I would love to see more people on the show who are in a better place financially. It would be nice to see what other people have done that's worked for them, and get suggestions on how they could move to the next level.
Babe, wake up, new financial audit just dropped
😂
So true!
I am up! 🫡
Big mood frfr
She is “currently in the process” of everything
For real. When she said she was in the process of getting a new job and said oh I need to call them and pulled 3600 a month out of her ass.
I called BS BIG TIME.
Essentially she's currently in the process you guys
“My parents cut me off”
“Oh I don’t pay for my groceries my parents do”
Lives at home lol
I don't understand divorce laws. How the hell is she getting alimony after a 7 month marriage? Just for her the piss it away on a Monopoly game
Could have just bypassed the lawyer expenses at that point and claim mutual dissolve of the marriage usually just costs a few dollars especially since it was under a year.
It's likely because he's active duty. Military personnel have different stipulations for divorce/child support.
It's the military. He has to support his dependent and give her a set amount each month so she can "survive" until the divorce is final.
Government get a percentage of the pie. It’s a business
Maybe he was so desperate to get away he’s the one who suggested alimony.
Found this channel on Friday - had a full budget with automated deposits to high yield savings and retirement by Sunday. Thanks Caleb
That's amazing
I’ve never gotten though a complete episode of this channel. You allow them to blab on about their life history, and all of the “victim “ speak. Is it just me or does anyone else notice….?🤦♂️🤷♂️
@southpawred7172 watch some episodes from a year ago. Much more finance focused and less therapy session.
Well seeing as how Caleb’s channel has only steady grown in sub count since it started and in no way is slowing down I guess it’s just you brudda 🤷♂️
@@southpawred7172 I think it helps a lot to see what kind of excuses people make for themselves and where they come from
I’m completely bad debt free as of this morning! My only debt left is student loans.
that’s awesome, congrats!! 👏
Thanks to you...paid off over $14k in credit card debt in the last 12 months. I didn't have a sufficient emergency fund when I lost 50% of my salary for an entire year during covid. Everything went on the card. Learned my lesson. Lease car ended, and I didn't get a new car since I work from home (sucked the big one), cut my cable, cut netflix and Spotify, only home cooked meals (this was the worst 😅), rented out a room in my house for extra income. Im officially debt free as of this month. Before I get a car, I'm going to build my emergency fund and pad my checking account. This sucked and was sooo hard, but I feel so much better and, most importantly, I'm FREEE!!!! My credit is back up to 820. Thank you!!!!
Feelsgoodman. Well done!
that’s AMAZING!! well done you!
So great🎉
Congratulations!
Thanks, everyone 🙂
Her eyes LIT UP with excitment when he asked if the relationship was toxic.
Immediatly follwed with her stating she wants to be financially independant in a year, a year and a half, max 2 years.
Her "friends" heard what she said and went behind her back to tell her "toxic" husband who she accuses of things with no proof. . . .
I can guarentee his parents were also dissapointed and guiding against this marriage, I would hate to see my son involved with a person like this.
The more she talks about their marriage the more it screams this was a "get out of the barracks, get more pay and benefits" marriage.
She’s definitely Top 5 most privileged guests
No way did she go to a proper school so not that privileged.
@@ScottishTerrorsInLAthat just makes her uneducated and extremely privileged
That guy whose grandparents paid for his schooling & parents somehow paid for his home & yet he still was in massive debt was pretty privileged.
@@JazzyERnatwhich episode is that?
her use of “whenever” when she means WHEN is driving me insane.
It's a regional thing. It sounds super weird to me too lol.
Yes I notice it all the time when I watch American based content. Its drives me crazy
@@HellDestroyer77What region? Please help it make sense.
I'm so glad it's not just me that noticed this! I'm from the UK and I've never heard this before. Infuriating 😩
@@heatherowl it’s not regional. I have no idea what they’re talking about.
THANK YOU for setting us all straight on the “in this economy” topic. It’s seems to be an excuse to F up financially.
My parents cut me off, now they only cover all my living expenses
If you have kids now, saying you let them live at home therefor you're generous is selfish. I bought my house just before the pandie, 2018, my mortgage is 1050 a month. A studio in my area is around 2000 a month. I do not have 2000 a month. If I was born a few years later, I would literally be homeless. I would need 1-3 room-mates to rent a studio, but I would rather live in a van. Because I was born a few years earlier, I have a 4 floor house, yard, pool, front yard, shed larger than the average studio.
@Rspsand07 but as the kid if you say "my parents cut me off financially" yet still live off them you are the selfish one
I just started but .Bro… parents paying for everything and all u had to do was NOT get married UNTIL 25. TWO MORE YEARS.And you blew that …..
Most parents don’t even pay for necessities after 18
And many can’t/don’t do that even before 18!
@@natedostalik3538Only in North America
That is so wild! Her parents clearly wanted her to finish her education and wait until her brain fully develops to make a lifelong commitment to somebody. Considering she ended up getting divorced shortly after getting married it's clear they were trying to steer her away from making a poor decision.
Probably told her that because they saw this dude was bad news and hoped she’d wake up/grow up.
Sure, she isn’t exactly a green light, but that doesn’t mean he’s perfect either.
22 is very immature. She seems like she doesn’t learn lessons and doesn’t respect her parents, so i’m not surprised at this situation.
She had a 2012 civic and got a $30,000 camary because the transmission was going out.....those transmissions are $300.......wth
*Camry
Where I live a new transmission is thousands.
@@susanclaire901
Yes a new transmission for your car I believe, but for a 2012 civic? Dude AT MOST that’ll cost you $600.
Where exacly do you live? Swapping out a transmission is easily 2k
I prefer the original thumbnail with Caleb having a white moustache and her in jail like monopoly lol
People clicking did not lol
Ok hear me out, let’s do a family episode! 2 maybe 3 generations of finance we could really get a sense of what is going on with spending these days
Oh that could be so great! Very educational and eye opening. Parents/siblings etc would be great . I’d so be down for that type of episode.
That’s what I’m saying! So many of these people depend on their family, might as well include them to get the real picture.
Sounds like a way for the younger generation(s) to just blame their parents in person and start a multi person argument
@@YouMissedBro In a way, if they raised a kid to be this stupid..they deserve that. But also props to the child for not knowing how to think for themselves lol
@@YouMissedBro I was thinking it would more be the boomers gaslighting the whole time how they "told them to save and not use debt a thousand times" and they have no idea why their child is struggling lol
Why do so many people have trouble understanding the difference between “when” and “whenever”? “Whenever” is only for reoccurring ‘whens’, not for referencing a singular moment.
THANK YOU!!!! It drives me crazy!!!!
How she going to say her parents cut her off if they pay for literally almost everything for her.
And she’s living with them.
her constant use of the word “whenever” when she means “when”…… someone kill me
I had to scroll so far to find this comment.
That’s a regional thing. It’s common in smaller Midwest and western towns.
@@Mama2CDHsurvivorin Texas too. Yeah I strongly dislike 👎🏾
@@Mama2CDHsurvivor regionally incorrect grammar? lol
@@hhhhhhhhhh1919 Yes. Just like how people don't capitalize properly on an Internet comment when they would at work. Or how some classes of people from some regions will make a point to use complete sentences and questions that contain both a subject and a verb.
She has it so easy no rent no groceries no bills 😭 I can’t
why do people perceive they should buy a $20+ thousand dollar car instead of making a repair of a couple thousand???good grief!
Crazier, she was going to live with her husband who was deploying, so a two car household for his to sit parked while away.
Because they can get the new car via financing but don't have a few K to pay for a repair
@@williamstone7514 You can finance a repair too..
@@williamstone7514It's crazy to think that you can get a $30k car loan but not a $3k signature loan or even a $3k loan using the car for collateral to get it fixed.
B/c people try a car. Get use to the lifestyle, and neglect to make an emergency fund.
Got promoted with a 50% raise!🎉
congratulations-freaking-lations dude 🎉
Hell yeah. Don’t forget to pay your future self with that money and save it. Don’t let that lifestyle inflate.
Heck yes !!!!!!!!!🤘🏻🤘🏻🤘🏻 proud of you my dude
@@nono99136I was so confused until I looked closer at the profile pic
Nice
Caleb being about that tea 🍵 boy SAME he knows what the people want 🤣😂
"I was cut off from my normal finances." Finances = Parents.
Common addictions:
1) Fast food
2) Online games
3) Vaping
Mine is caffeine. I love caffeine.
4) Shopping for clothes
5) OF
I love vaping and am gonna start making enough money next year to afford rent in fast food!
Mine is buying stuff for my dog 😂
@@elliecallahan5874 Ellie, stop it
Financial good news for me so far this year is getting a new job. Same pay but lots of overtime opportunities at double pay. A little closer to home (was driving an hour each way for the old job). I’m saving $500/mo by not having to take the toll roads everyday. Saving $150-$200 on gas monthly. Way better and more affordable benefits + 401k with match and more PTO. I have way more time in my day now to make moves on side gigs. & that is just the financial upside. Mentally, physically, emotionally a better fit for employment + more quality time with my daughter. 🥳
🎖
This is the highest "excuse density" ive ever seen. One new excuse every 3 minutes.
Ooh I love that term. “Excuse density”. Awesome.
Going from discussing tea to a coffee sponsorship was kinda smooth lol
The little shake at the end 🔥
I love that calebs way of saying: "that sounds like bull shit to me." Is "we're only hearing 1 side of the story."
Her explaining how great Monopoly is while being a direct victim of credit-card capitalism is just too much irony
The usury this country allows via debt should be illegal.
Mind blowing
That was the only time when her eyes lit up.
Victim or Capitalism? 🤔 You mean Keynesianism? Keynesianism is based on the idea of Consumerism keeping the economy booming not Capitalism...
I don't think you understand what capitalism is
Positive financial event in my life for this year: Paid off my last "high interest" debt and got my emergency fund up to 3 months.
Got hired at Kaiser. After applying every week for 9 years❤
Someone lied to her and told her putting on a child like demeanor was cute. But its absolutely not. I cringe to think of her in any type of management position
@@nono99136you couldn’t be further from the truth
Thank you 🙏🏻
@natalierose1072
Cringe is EXACTLY how I would describe the feeling she gives me just listening to her speak and watching her facial expressions etc
I have an almost 11 year old daughter
I don’t need to entertain a grown woman behaving like an adolescent 💯
THIS - good news, reality will most likely have smacked that out of her in the next 5 years 😂
@@nono99136 So Pedo's?
@@nono99136 JK lol. But it's cute when its a 19 year old, not so cute when you are 27 and living with your parents. Also, men tolerate:, because its fun at first. Same way some woman will tolerate a lazy bum. Evenaully you get annoyed being someones daddy/mommy all day. Very emotionally draining.
Sounds like a nightmare to be married to her. Mooching off her parents at 23 and demanding for divorce with no evidence.
Same people who say “you just need to work harder!!! Look how far I’ve come all on my own!!!” 🤦🏻♀️
They said that a lot was cut that was toxic, Caleb literally says sorry about the things shes been through. Chill out and dont be calling her a nightmare lol
She's only 23 dude 😂 What is that, like 1 year out of college? Half of the ppl in this country make dog shit money, so what do you expect?
I know ppl in their 40s who are in similar situations. 23 ain't bad at all
@@jackbeasley1473she had problems for bad mouthing her husband because people “mixed up her words” she could be making everything up
@@jackbeasley1473Lol
This show always makes me feel better about my financial situation 😊
Fun facts: Monopoly Go has made over $2 billion since its launch last year. They basically charge for dice rolls and make bank
I had it for a bit. You can absolutely get far in the game without paying. They just lack patience and self control. lol
Maybe I'm off base, but is there a game at a certain point? I feel like it's just click button, watch 5 second animation, click button again rinse and repeat.@@Username0467
When people spend $200+ on games like these in a single month it really baffles the mind.
Like, go buy real games at that point. Yeah they're still expensive, and still a bad idea if you're in debt, but Baldur's Gate is like 300 hours of dice rolls for $60.
It’s a fun game! I play it without spending any extra money. 😊
There are a million other mobile apps like monopoly go. It's the same exact tried-and-true formula. Coin Thief is basically the same thing.
Annoying pet peeve: It’s not “whenever we got married…” it’s “WHEN we got married…”
Isn't 'whenever' like a hypothetical or unknown future tense, and when is for more definite or past tense? I read a lot of books but it's been awhile since I paid any attention to the rules of grammar.
This mistake seems to be becoming more and more common, however I only ever see it being said by people from North America. I live elsewhere and have never heard this in real life, only ever on youtube.
You are wrong. She uses whenever often and inappropriately BUT in your example it's valid.
You were half way there. Good effort
@@30yearsoldiam1 Sorry, you’re wrong.
I scrolled through probably 50 comments looking for this one, thank you
Honestly love how evertime a bad relationship is brought up on this show it's hecking toxic and unsafe, and completely one sided.
Also zero proof, but she needs to hire a lawyer, for which I assume she's going to try and take him to the cleaners. Sounds like they got hired for BAH, and instead of cashing out they're both going to end up in the hole with lawyers fees, clowns.
2 months emergency fund and all debts (minus mortgage) paid off. Thank you Caleb ❤️
WOOOOO keep going!
Hell ya man
Proud of you!!
"Oh trust me my tea is piping hot"
...Alright, that's enough internet for today
She doesn't even realize she is a commonly known stereotype in the military. I don't need to hear her story to already know all of it and know she is not only lying to the camera but mostly to herself.
@@rocketdogtickerdependa moment 🫡
@@tankhellisgreat8950 dang I have not heard that in forever. It invokes strong feelings man
@@tankhellisgreat8950I'm not even military and I was thinking that. Wow. Sad state of humanity we are in.
@@tankhellisgreat8950 wild
I sat with a financial advisor earlier this year and he told me to watch Dave Ramsey. I found Caleb and started really sitting down and figuring out my finances. By the end of this year I'm on track to pay off almost all my debt and getting an emergency fund. I'm almost 27 and I decided that I can't die working like I thought I was going to. Thank you Caleb for helping me get my finances under control.
Before I watched this series, I was completely committed to the idea that I was NEVER going to pay back my student loans. I didn't care and I wanted to spend my money on things that made me happy short term. Watching your show inspired me to do better with my career and finances, SO YA GIRL PAID OFF HER STUDENT LOANS AND LANDED A CAREER! Thanks, Caleb! Now go take a vacation! You're doing the good work! 💕💕💕
That’s great! Congrats!
Wow….your life is going to be better. Congratulations!!!!❤❤Heart
That’s amazing, very inspiring.
In my opinion, this is another adult who is just being enabled by her parents and even society. Enough of the victim mentality, at what point do we keep treating adults as little kids and not start holding them accountable for their place in society, and their actions. To be a fully functional and responsible adult without relying on parents entirely. This air of infancy and babying we have created is not helping the younger generations grow up. The worst thing you can do is give everything to your kids and them never experiencing the consequences of their actions, it hinders them and sabotages their maturity.
I agree with this 💯
I have nothing against parents giving "everything" to their kids. For many people that is their financial goal, to be able to pay for their kids' college, help them with their first house, etc... The issue is that the "kid" receiving all those things should be a functional adult who understands the value of what they are getting.
We have a huge issue in society with adults who think that they should have been taught in schools how to "adult". There is a dominant mindset that promotes the idea that you can simply block key stages of life because kids need more time to think, or adults need more time to learn "adulting". This is, of course, extremely stupid. Time does not stop just because we wished it did.
The years are going by, and we have lost a generation that is now in their 30s who is still complaining about "adulting" and not having enough for a downpayment on their dream house, all while sipping on a frappuccino and waiting for their Temu order to arrive.
Jeez if my parents were well off enough to take care of me I would have had a PhD by now
@@rtre957 You hit the nail on the goddamn head. I live in the same house as a messy, jobless 30 year old who plays the same video game 14 hrs a day and sleep for the final 10, wondering why her life sucks while sipping on Doordashed boba paid on mom's credit card. Putrid and vile
My positive is I got a promotion with a pay increase then got a raise a few months later and set up my 401 k finally. Yay. Also stopped using my credit card in 2024 and have been working very hard to pay it down.
I know a lot of people say “we want to see audits of normal people” but I just want to say I’m here for the lunatics. The more unhinged the spending, the better
The crazier the person the better. This is the best source of new lol cows on the internet
I like a mixture of both. Watching the crazies is like cheap theropy letting me know that I'm doing OK in life. Just like when I watch the average people you see at Walmart, I can say I may have issues but atleast I'm not that bad.
The financial lunatics especially their reasoning. It's like a safari, but instead of wild and dangerous animals, it has wild, crazy, and dangerous decisions.
I half agree. I do love a bit of drama, I have learned so much from the crazies about how they actually live, a question that have eluded my husband and I for years BUT I would like to see a few people sprinkled in who are here for the right reasons who will turn their lives around. Just a little bit of hope for the future.
@@Hiraeth-zq8zegross
Something positive that has happened to me financially this year: I finally started working with a financial advisor for my retirement funds. I had a stale 401K from an old job that was doing nothing, and now I have that money in the compound growth machine, working for me.
This show has really inspired me to stop dragging my feet on financial things. I might have kept dragging my feet if I didn't start watching. Thanks to the team who keep this whole ship afloat. You're changing lives out here.
This is a prime example of parents enabling their grown children. This girls lives with her parents, they pay for a roof over her head, her groceries and car insurance.
Her (ex) husband is paying her alimony (which is ridiculous in itself.) She quits her job to go on vacations overseas paid for by her PARENTS!! And you wonder why you have BS spending on GAMES and everything else. It’s because she’s not living in the real world like the rest of us, no real responsibilities and mom/dad will always bail her out.
This girl lies so comfortably she thinks people buy it
"My manager asked me to push back my sister's weddings"......sure,they did 😂
@@MPPG663 "I'm paying back my parents for the car insurance"... sure, you are. ^^
“I was on my own for year” …but got married 7months ago 😂
"I only buy drinks at the Vape store."
I wasn't surprised when she later admitted that she was buying vape stuff also.
@@MPPG663my bf’s manager did actually ask him to change our 5 year anniversary reservation to the next night so he could work lol. He quit a month later bc they didn’t want to work with his availability since he was working two jobs. 🤷♀️
Tip: Buy a copy of your comfort show (when you can afford it), so you’re not sucked into subscriptions indefinitely for something you’ll watch repeatedly. It saves you money over time. Same with music.
I do this! I bought all the Scooby Doo series and I play that in the background whenever I'm doing stuff instead of netflix
Wow, great idea!
Another good option is brave browser with add block built in.
This is just what I said to some people…that I was going to buy episodes of some other shows I have and then cancel the subscription because I am literally watching the same shows on the streaming services.
Or, and hear me out...🏴☠️🦜
I don't know the guy, but man he's lucky by divorcing her
The full Cartman, “I'll do what I want.” is how you get married against the advice of your family and get divorced in 7 months.
She went to San Marcos for a “girls weekend” while being broke and in debt. That pretty much sums up the under 35 generation in today’s America. “I work 35 hours a week and deserve to spoil myself whether I have the money or not!” They are all about instant gratification.
@@aeromedical6776I’m apart of this generation sadly, these people most definitely failed math, are highly incompetent in basic concepts, and have so many screws loose in terms of priorities and accountability. Sad that I’m younger and understand basic financial concepts that so many people overthink or overlook. Yet they want to be mad at the rich for being smart with their money😂 floating in a sea of victimhood and consequences from poor decisions
Followed up by her "Screw you guys, im going home"...
Lmfao, I got to the KFC part, immediately thought, "Cartman". Then I look at the comments 5 seconds later and see this comment. Glad I'm not the only one who thinks the same 💀
@aeromedical6776 Thanks for generalizing but me and my freinds are all 27- 29 and none of us are like this. You are wrong.
Seems small but I just paid two credit cards and I’m determined to stop carrying balance! That’s my positive thing this year
This girl using mental health and her fragility as an excuse to make poor financial decisions. Reminds me of my 18yo and Caleb is way more empathetic than I am with that BS.
Imagine getting taken care of by your parents and getting alimony from your ex-husband and still being poor
18 years in the Army and as soon as I saw she was married to a military guy I was like “yup this all checks out.”
Not to be rude to the guest, but in the Army we call these types a “dependapotamous”
No real career of their own, dyes their hair weird colors, makes very poor life choices, highly jealous of her man but also very reliant on his money/benefits. Married way too young, gets lonely on base while husband is away on deployment and/or training.
Bonus Depends points if they try and make money on MLM side hustles like Doterra, Avon, Mary Kay etc.
Military communities are ripe with these.
Dependapotamous 😂
Military men are some of the most controlling, emotionally inept men I’ve ever come across. Served 8 years, and I would never in my life marry a SM. A lot of them will go grab some 17 or 18 y/o with no life experience, take them from their family, and then essentially just use them as maids and incubators. They won’t allow them to leave the house for work, and are super financially controlling. I’ve met some MIL Spouses who are in their 20s and 30s who don’t even have a driver’s license because their husband won’t allow them. If anything, this guest was taken advantage of.
As an air force wife, dependapotamuses and tricareatops are such a bane to my life. If I have to deal with another sahw that never matured past high school trying to enlist me into their pyramid scheme… there are reasons i refuse to live on base. Although, the petty drama is fun to hear about secondhand
Is gain a lot of weight after they lock down the guy apart of it?
@@GidgetAGogo oh the dependapotamous tea is ALWAYS piping hot hahahahaha.
My wife also refuses to be involved with the Army in any way.
The balance of caleb being harsh n mean but also compassionate and empathetic is so nice lol
My old coworkers and I called it Recycling your Paycheck when you buy from the company paying you
I work for the VA and pay my medical copay to the VA and my taxes pay for my paycheck. Does that count as recycling? 😂
Sold yo soul to the company store... Great country music lyric.
Have $516 left to pay on 1 credit card balance - then totally debt free!😊
I’ve been debt free for years. You’re going to love it!
11:49 “youre rebelling against your future” 😂😂😂 bro