32-Years of FINANCIAL MISTAKES: IS SHE DONE FOR?
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- Опубліковано 10 лип 2024
- 🔥 Meet Chelsea, a 32-year-old accountant drowning in $176,000 of bad debt from poor decisions. Facing this crisis, she's has to take drastic steps to help her finances. This episode unfolds Chelsea's struggle through three updates, testing the limits of financial recovery and personal accountability. Will Chelsea navigate her way out of debt? Chelsea's experience isn't just personal-it's a call to action for anyone facing financial challenges.
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📺 New to Finance Action? PLAYLIST Start Here- • Finance Action
🕒TIMESTAMPS🕒
0:00 PARTY STARTS
01:00 10 MONTHS AGO
03:37 INCOME & ASSETS
05:55 EXPENSES & DEBT
11:25 CREDIT CARD DISASTER
20:30 F*** IT MOMENTS
23:15 THE MONEY CASE
25:10 WHAT TO DO?
37:55 6 MONTHS AGO UPDATE
46:47 TODAY - WHERE IS SHE?
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Disclaimer: Please be aware that this video and all other content produced by Romain Faure are not intended to serve as investment guidance or formal financial advice. The information presented is solely for entertainment and educational objectives. The money displayed in our video podcast is for entertainment purposes only and is not real currency. All cash shown is prop money, and should not be mistaken for genuine legal tender. Please enjoy our content responsibly!
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Financial education, Finance Action, American debt, personal finance, budget money debt cash, how to invest in real estate, how to start in real estate, rental property, investment property, compound interest, buying house, insurance, save, buy, pay off debt, debt free journey, financial independence, how to pay off debt, how to pay off student loans, debt snowball, financial independence retire early, how to pay off student loans fast, debt payoff, how to make money, get rich quick, get rich, make money online, net worth, loans, credit score, should I go to college, college debt, student loan forgiveness, debt free community, student loan, credit, loan, budgeting, stock trading, crypto, finance, budget, student loan forgiveness, car payments, credit card debt, debt, credit card, payday loans, car debt, The Dave Ramsey Show, The Plain Bagel, The Rich Dad Channel, Graham Stephan, Meet Kevin, Ryan Pineda, Elena Taber, Noelle Randall, Lili Thompson, John Olfert, Bigger Pockets, Caleb Kids Show, Dave Ramsey Live, Caleb Hammer, Coffeezilla, Bridgette Wilson, John Oliver, Che and Cherice, Caleb Maupin, inflation, manifestation.
People, get married at your local city hall for $200! Don't waste money on a big wedding if you can't afford it. ( Even if you can afford it. Use the $50,000 for a house down payment, or invest it in an IRA.). Vacations and parties are nice but guess what? Nothing beats the feeling of peace and control that come from financial security. 😲😲
Save the money for your divorce. Nothing lasts anymore!
Either smaller weddings or go international, for example for the same wedding in France, I can save up to 40-50% and sometimes for a better experience
No, keep that S&P up....woop woop. Spend like your in Congress
She is helping to keep me rich.. You go girl! @@TheLucky17
Got married early January, paid $40.
She never met an excuse she didn’t like.
🤣😂🤣
She’d marry it if she could!
She probably thinks the government is doing a great job too 😅
$4,600 for a cruise is high but is for a 6 night experience. The $40,000 wedding for one day is outrageous.
Especially when you pay them with money that you don’t have :(
I could never. I won't even spend that much on a car 😂
I may be niave, but I have never heard of a 40K wedding in my life.
@@Wisdom-Nuggets-Tid-Bits30-40k is an average price for a wedding
@@yaee123 Not in my day baby doll. Enjoy sweetie
I bought a cruise amidst our debt payoff journey for myself and girlfriend. It was going to cost 7k not including airfare and hotel. I canceled the trip like a GROWN UP and now that we are 100% debt free we are cruising in style with cash and have a good budget for fun money.... if you can't accept delaying recreation it will be a hard road.
Clean 🫡
"cruising in style" as you say, is STILL wasting money.
Romain you have incredible patience. I would have yelled and ran out of the room. Too many excuses, unfortunately.
I hear you, but I try to find a positive light and a solution! Not always easy :)
I agree. Romain has the patience of a Saint. 😅
It's always a red flag when people are ok spending their future for a one night party (wedding) and a week of vacation to get out of that party stress justification
The justifications expressed to maintain the debt boggle my mind!
But she is taking action… I agree that there are a lot of excuses though
She uses adhd as an excuse for her stupid spending, and the i want it but not need it expense
Difficult to judge that fast - but she is taking actions :)
Who knew that Chelsea wasn’t going to downgrade her cruise? 🙋🏾♀️
I was about 75% sure she wouldn't when finishing the recording haha but I had hopes!
I love the way you handle people's finances. So much kindness and understanding yet drive to help people out of their situation. It's really appreciated.
I am glad you liked it - what would be the point of pushing someone down even further ? In fact, results speak for themselves with 92% of people that came to the show improved their finances over time :)
It’s insane people spend money they don’t have or earn
And she's an accountant too .... 😳
Romain, it is wonderful to see you! You have genuine patience and grace.
Hopefully, people will heed your consistently good suggestions.
Thank you so much!
Got about 7k left to be completely debt free. Cutting up my credit card after this 😂
Make sure you call and cancel them or cancel them online. Dont just cut them up and think the accounts magically go away. You have to actually cancel and delete the accounts.
She laughs about having 11 credit cards. Upside down on her vehicle which she couldn't afford. "I bought it because it was pretty." She just borrows money for everything and her credit cards will bury her. I'm afraid she will always be broke unless something changes soon. She makes all kinds of excuses...so sad.
I hear you but she has been making progress and while it might be slow I am hoping she gets momentum from it !
Yikes...Spending $40k on a wedding when I think she said she was on unemployment at the time?? That's... a choice. 😱
Yep ... don't tell me
Weddings are an industry.
And she an account?
Yep. Then she justified by saying she picked a Thursday as Saturdays are 60K upwards!!
@@elipotter369 no sympathy here for her moronic situation.
This show is educational and fun. The host made me laugh, damn cruise, and his facial expression. 😂
Chelsea is a great guest, "fucking moment". I am 40 years old and debt free. When I was 30 years old, I had about $150K debt (lavash lifestyle). Great video!
Give us an update of now ? :)
truly this video demonstrates the effects of irrational and emotional based spending... the excuses that the client uses to explain her irrational and emotional decisions could be used to multiple the negative effect of the millions of persons that are also in the same situation... and unfortunately, her vocal tone, inflexion, and verbiage indicate that she has not realized the negative effect that her decisions have on herself, her family, and community at large as we all incur harm and damage from her decisions.... this channel is so important and informative as it's directed to the education of persons that have fallen into these negative thought and decision making patterns... may this channel continue this effort... it's important to these persons and their future success...
Thank you very much for the positive words, and I am aligned with your analysis 👍
Financial planning is like navigation. If you know where you are and where you want to go, navigation isn't such a great problem. It's when you don't know the two points that it's difficult
Now with the recent economy, To get Financial FREEDOM you have to be making money while you're asleep.
True though unfortunately mine always end up with losses 😭
The first step in every successful investment is to establish your goals and risk tolerance, a task best undertaken with the assistance of a financial advisor.
Investing has proven to be an incredibly beneficial decision. My cryptocurrency profits continue to play a substantial role in growing my overall wealth, reducing my reliance on my salary
Kicking the can down the road + Head in the Sand + I am still young and making money = Your other episodes with older guest regretting not done something differently earlier. Your logic and advice are on point but still up to the guest to step up and do their part... Not sure why some even bother to come on your show if they are not even committed.
I am hoping that Chelsea with maintain her momentum! We have had great results with 92% of individuals coming to the show who has improved their financial situation within 3 months. The big question remains: will they maintain those new behaviors?
She has excuses for all her bad choices
But is taking action now :)
Her actions are temporary. She will be in this same pit again one day. Her behavior has not changed at all. She has not even given any verbal confirmation of her bad behavior and the need for humility and change. She is entitled and arrogant. Even it it is a few years from now, she will be here again. Her attitude.
@@itsRomainFaure I am afraid they are temporary. She will be here again some day. Her attitude says it all.
Please stop spending the money that we don’t have.
Great episode, Romain! I'm happy to see you are continuing to upload videos!
Thank you Param 🙂
Welcome back Romain. I liked this type of longer term video. I would like to have seen charts of progress during each time frame to more easily visualize Chelsea's situation. Nice work as always!
Thanks for the great feedback and good point !
40k WEDDING?! oh my lord lmao
Yep … while on unemployment:(
Madness… I bet our wedding cost less than $1K… we’ve been married 30 yrs. ❤
Great to see you back!! Don’t leave us this long again lol
I am glad to be back 😊
Hi Romain! Thank you so much for these videos. I'm currntly trying to get myself out of $150K+ of debt and your videos help motivate me to keep going. I know there is a light at the end of the tunnel and i just have to keep going until i make it there! ❤
You got this - I look forward to reading your debt repayment updates in the comments of the next videos 😉
@itsRomainFaure thanks for your videos. I have recovered your channel today and I have watched many of your videos today. Absolutely loving it. You are so inspiring and encouraging!!
It continues to amaze me how many intelligent adults concoct justifications to splurge tens of thousands of dollars on a single-day event (a wedding) instead of investing that money on their own future (the actual marriage). What I find startling is that this clearly is a very intelligent woman who understands money, but she knowingly made poor decisions anyway. Having said that, kudos to her for being brave enough to allow her situation to be made public, to serve as a cautionary tale to others. I genuinely hope she can turn things around.
I just discovered this channel an hour ago, and I'm now a subscriber -- great content!
Thank you for your great input! and for joining us as well!
She may be book smart, but she definitely is NOT intelligent. and she does NOT understand money!! She just talks a good talk - if you truly listen to her. Many things he said to her about her own fincances that she SHOULD HAVE ALREADY KNOWN, when he pointed them out to her, she acted like she never knew it and surprised to hear it. She is not even looking at her bank books or tracking the interest she is paying out the ying yang. She is a great story teller and alot of hot air and that kind of charm fools alot of people. It is the entitled generations. Their mothers are to blame ultimately. These were the little tots in the grocery stores way back when that would scream out loud in stores if they wanted anythign and the dumb a## mothers would give them what ever they wanted INSTEAD of TEACHING them and DICIPLINING them to have intelligence and grace and wisdom. All these women from the late 80s, early and mid 90s who had to have this babymania -- well this is the result. And they are HELL to deal with in the corporate set!!!
Good to see she is still at a point to get debt free. The key is the rainy day fund. The budget is hard to do without extra money to cover other expenses.
She has $150 on WANTS - the rest she needs to pull it off when times are good
Spending 40k on a wedding is ridiculous. Better to have saved that money for emergency fund or down payment on house.
Yes or just pay those darn credit cards :(
It's easy and painless when it's on credit, not like she drained a savings to do it, imagine her being your accountant
Great seeing the compilation video, and I enjoyed the update call ! I can see she's made changes and she's also figuing out her methods. Go, Chelsea, go! I
Glad you enjoyed it Thank you :)
Object Permanence?! She is bringing up that thing you gain at 8 months old? Chelsea loves to make an excuse
Yes ... Chelsea has many excuses :(
She does ppl finace books, but cant handle her own? What a shocker!
It's more typical than we would want to believe
I would NEVER trust her with mine.
@@desireesalas5820 Finance jobs are very competitive out there. Finance hiring managers look at applicants finances, FICO scores, spending habits, and records. That stuff matters in the corporate world.
Oh, wow, very excited about this update!! I hope she is doing better....
Hope you liked it :)
Great content. Welcome back!! 10/10 as always
Hey! Thanks :)
Oh yes the adhd excuses. People with adhd act like they have paranoid schizophrenia level disease.
I wonder what makes this ADHD diagnosis so prevalent these days.
@@desireesalas5820 THANK YOU. An entitlement loop hole.
Great update! I am so happy for Chelsea and her partner. They are making good progress despite life challenges. Can't wait for the next update! Thanks Romain 👍🏽
Thanks so much!
I have made financial mistakes in my life so I'm not here to say this doesnt happen but when i finally decided to turn everything around, i did not laugh, dismiss and make as many excuses as this woman. I was so serious about it and acknowledged what I had done wrong and i know that shame is no longer in fashion but it help . Her reasons for overpaying for things are not really viable but she doesnt realky seem to see that. I dont think she even once said she made foolish decisions, rsther she said things like the car was pretty or she wouldn't consider a basic cruise room or saying "not gonna happen" to his suggestions. Its good that shes having this conversation but 90% of her responses are laughing or explaining away poor decisions, even in the follow up video. Hope she can get help and make it stick and thank you for what you do. Your patience and conpassion are much needed in this space though..
Thank you for sharing your positive story - i am glad that you turned your life around !!
I do not see any change in her behavior. She will be in this pit again one day. Mark the word.
Amazing to me that Americans think "If I can afford the payments its OK".. Here is another idea.." If you can't afford the shiny new thing outright, then you CAN'T AFFORD IT". Whats more, live on half of what you make (hustle to make more if you have to) then invest the rest on the S&P 500. I earned way less than this couple and retired comfortably at 52.. In fact I saved too much because I forgot to count the value of our pensions.. Our tax bill at RMD time is going to be brutal.. Tough problem to have!
Difficult problem to have indeed haha, Well done :)
I am debtfree.
I subscribed to you to keep myself humble 😌. I was once in debt. Debt is still a nightmare I dream about.😢😢😢
Congratulations !
Poor baby...shes a victim of herself.😢
And there's the excuser. Every time she opens her mouth I want to say,, "No excuse!"
Lots of excuses I agree - but she is making progress:)
love the videos
Thank you!
She calculated $731, why is she on the show? What is she trying to promote? She has an answer for everything. No way
She is still taking actions, might be slow but progress is progress.
She did NOT calculate it. That is the problem. She confessed she was scared to hear his calculation and then when he said it, she said, "I did that math" with a smirk and an attitude. Well she did NOT do the math. She actually confessed that when she admitted earlier that if she does not see something in front of her, she does not see it. And that is why she spends money. She does not have the big thermometer poster in front of her. What a child
I had to stop halfway through. As a fellow neurodivergent I just couldn't handle the constant presentation of how her neurodiversity drives everything she does. Listen... She's not wrong. Our brains do drive the ship here but we are not helpless passengers. It's wonderful to understand how your brain works and why you exhibit certain behavior patterns. But there's a fine line between explanations and excuses. When you have a phisical, neurodevelopmental, or mental disability you still have to take charge of your own life. It might be more difficult but you can build scaffolding to set yourself up for success. Stop just letting life happen to you. Stop being a helpless bystander in your own life. I hope this doesn't come across as mean because it's not my intention. I think sometimes it's important and empowering to hear that you aren't a victim of your life circumstances. There is so much you can do to honor and care for who you are.
It was very interesting reading your message
15:00 killed me. As if not having a vacation in 5 years is worth going into debt for 😅
yep ... that damn CRUISE arggg
I went without a vacation for over 10 years in my live once due to not having money to go.
@@Wisdom-Nuggets-Tid-BitsShould have gone to Chelsea for budget advice ..... 😂
@Lookup2Wakeup ?
Thanks for the update, Romain. I watched the entire video to help your channel, but once you’re YT famous I’ll skip to the updates on your future videos. 😊
Hello Ashton! Thank you so much ☺️ I appreciate your help ! I will remember this one :)
Always pay cash for your cars. When you buy one, immediately begin saving for the next one so you can pay cash for that. Interest on car loans is outrageous, and you can’t save money by paying it off early because it’s built in to every payment. It’s not like credit card debt.
It might not be the most efficient method when interest rates are low, however … if someone is stressed about their finances, paying cash would limit finance anxiety.
I paid off mine early? How is it different than a CC or student debt that charges interest monthly?
My car payment is about $300/month on 1.9% interest. I pay $900/month thinking that I was paying it down, but I recently found out that they just applied the extra principle towards the next couple of months. Had to call them to have them apply it towards principle.
I had a friend proudly tell me they'd bought a new car (the old one was 5 years old) with cash. I said: "oh you've paid off your mortgage"? (They were in their mid 50s). No, she said.
When I wanted to replace my 15 year old car because it was costing me $700 a year in repairs, I calculated the actual cost of a $15,000 car by adding it on top of my mortgage (at same interest rate) and working out how much interest I would pay for the term of the loan....then decided if I wanted to spend that actual total on a car right now.
Are you kidding me???? Most people cannot even afford insurance on cars or gas. They are living hand to mouth just to feed their kids. I would never edict people to pay cash for a car. You have no clue what is happening out there.
I just can't understand a system that allows people to have access to so much debt. It's crazy. And yes, individuals also need to exercise self control. Just because you can access credit doesn't mean you should spend it.
Especially using debt on things that are not necessary …
Chelsea's back?! Let's hope her story's improved over the last 10 months!
By the way, I really do appreciate the compilation to give more context for the viewer!
Maybe in another 10-12 month😊
I am looking forward to it!
Glad that you are back Romain😊. Best financial audit YTer.
Thanks! 😃
Glad she was able to stick to the plan. Even when there were some setbacks she seems to have controrl of the situation. Hopefully after she pays the cards off she'll get rid of all of them if she hasn't gotten rid of them already. 11 cards is soo overkill.
What astonished me was her reason for getting some of them - eg to save $600 on a trip... by maxing them out, she spent way more than that on interest.
She will be back in this pit again someday. Her attitude proves it.
46:49 if you saw the other video(s)
I’m doing my budget right now and I thought of you as I am becoming more strict/serious with saving then! not touching it for what is not crucial.. Continued !! Romain 😊
*Continued gratitude
*gratitude!!
You got this :)
Good grief! People these days are taught too many emotional excuses. Sorry, but all the ADHD talk sounds like excuses and crutch. Chelsea needs to learn impulse control and delayed gratification as well.
Love your channel & advice!
I hear you, Chelsea is on the up trajectory 🤞
I like the content with the updates. Also if she had an emergency fund the unexpected expenses could be paid. Slow and steady wins the race. Not sure if i missed it but does she have anything in retirement?
I believe she said she has $25,000 in retirement.
Correct - IRA at $25,000
Another banger let's goooooooooooooo
Let’s gooooo !
The only...and I mean ONLY reason a cruise would ever be appealing to me in any way, is due to it being a dirt cheap way to take vacation w/ a few amenities thrown into the package. Stretching a budget to take a CRUISE is so far beyond my comprehension.
The money case is a fun idea!
Thank you!🙂 It is like a physical intervention!
I love your channel. So compassionate and respectful to your guests with solid advice!! I was watching Caleb hammer until I saw how hopelessly he demeaned older people like myself and made me feel doomed!!
Thank you Jenny, welcome on board :)
I got married in 2023 on a Saturday all expenses and everything, 10k was spent
Supee nice place, secluded away, great food, everything,
No one is paying 60-100k for weddings on average waste of money
Also o poor you such a pitty your have all these mental stuff.....plz tell us more how mental you are, cause everyone has mental issues now it seems, the sruff that you want for your car isnt cause "mental" its cause you have to many distractions in life to drive properly, its called turn ypur head and look behind you b4 you merge, not rely on a little light
Feck!
No way I would ever let this lady near my accounting books
This woman is driving me nuts with her endless stories. Editing please, lol.
She has that constant smirk on her face and has a dissmissive attitude when he faces her with her behavior.
Yes. She’s so arrogant that it’s hard to listen to.
Man all that money wasted on credit card debt 170k plus Its like that would make u tons of cash flow right now if u have that in VOO and SCHD dividends would be making u very wealth even long term.if u just invested it into those 2 stocks.
How did she spend 4600 on carnival there fairly cheap what did they do
You have cruises from EU to US for $200 on some :)
*they're* fairly cheap ...NOT there.
@@deirdrekiely6187 some of them are, but generally for top tier you are looking at similar prices for sure
She had a suite and bought a drink package for two. An interior cabin probably would have been less than $2000
Go Chelsea go!! you got this girl!
Let’s gooo !
MY BOY !!!! 🔥🔥🔥🔥🔥🔥🙏🏻
hehe
Is this a video that you re-uploaded?
Modified and with a brand new update :)
There's new content at about 49:50
Nice
Thank you :)
Romain, please make more videos at a higher frequency rate 😊 I'm running out of Romain videos . Keep up the good work
Doing my best managing a full time job on the side as well :) On it! We are working at 1 video a week haha
@@itsRomainFaure haha completely understand. Hopefully, this turns into the full time job for you!
I am pushing towards it! Tomorrow I am releasing a video that dives on the process, I invite you to check it out :)@@nagarpoe
If I owed $176K I’d be crying and not laughing.
You need to put a camera above to capture the case and money.
Hmm, Interesting camera point!
Sorry to say I would never hire her on my team of corporate accountants! Waay irresponsible thought process in finances. And.......HOW is she able to get $60K in an IRS income tax return??? Something fishy going on there given her financial and job and living situations. Better not get caught!
Boosting the algo
Cheers!
Chelsea is trying. That’s admirable.
"object permanence"??? Sounds like a new entitlement term from GenY!! Gee, if I dont see it, it does not exist!! Gee, it is not my fault - I did not see it! GEEEZZEEE
I see she was on your show 3 times. did she ever learn? and should i watch the other ep?
All of the episodes combined are in this video 👍 we kept the best and most pertinent to the situation. Enjoy 😁
Is the same place I got married and my married is still doing great sometimes peoples do this big wedding and in no time the married Don't work out. And left you alone in a lot of Debt. 😮
Do you do financial advise online?
Not paid, but you can reach me out at romainfaurechannel@gmail.com and we can have a small chat if you have questions
48:18 she doesn’t truly want to get out of debt
The sheer entitlement of so many people these days blows my mind.. 😳 🤯 If you can’t afford it, you can’t HAVE IT! When did this frame of mind go away!?
I like how she thinks they are owed a vacation.
I got married in Oregon which is similar to Washington, for 3k :) and it was wonderful!
Nice 3K - that's a good deal!
@@itsRomainFaure there’s beautiful national parks and they have a fee of only $50! That handles the decor, hard to beat such beautiful scenery!
@@Turboturtle098my niece did that, I beautiful peace park in the city with beautiful flowers bushes and flowers all over. It was free and so beautiful. And then another shower by the mountains. 😊
She’s got a great income. There is no excuse to have any debt with a $130,000 a year income!
I dont think shes an accountant. Must be a bookkeeper.
Edit: based on her degree, shes definitely not an accountant
🍾🎉
Cheers !
Wait...so the 8k from the savings acct was required no work. What did they do extra for 6 nos....And she saio "THEY" agreed with Her to get on board. Her Partners. Did I hear right?
"They" refer to the pronoun of Chelsea's Partner
Agreed referring to her spouse as 'they' was confusing.
love watching these, they make me feel so good about my finances! well I did invest 20k in bitcoin and ethereum in 2015-2016 so im doing better than most..
Wow and you are still holding ? Congrats but make sure you get back your initial investment / that’s the rule :)
@@itsRomainFaure yeah dude, there were a lot highs and lows, I won a lot I lost a lot but the best thing I did was to separate in to 2 accounts; a trading account and a hodl account :) best decision I ever made cuz my average buy into bitcoin was around 700 USD each. I was able to retire in 2020 at 43 and been travelling the world ever since
She’s never going to get out of debt with her overall mindset
She’s an accountant ?!?
I would rather she work to get more bookkeeping work rather than driving UBEr>
She’s an accountant? How ironic is that?
Yep ... this one also surprised me!
She does not grip the reality of situation. She needs to come to her senses immediately and stop using her conditionfor an excuse.
My only hope is that she also continues to take it seriously
Oh sure $176,000 of debt. Laughs it off..... I don't get it.
Imagine marrying someone so irresponsible
If she's 32-year old she couldn't have made 32 years of financial mistakes, unless being born is a financial mistake... hmmm? :D
Everything about this one annoyed me .. Just, seriously ??
OMG, she has an excuse for everything . I have little hope for her. As long as she feels she "deserves" things she can't afford, her debt will never get paid off.
A lot of excuses indeed …
Whats the point of coming on if all she is going to do is try to justify her behavior
She is improving though!
ThE fAcT tHaT sHe Is An AcOuNtAnT iS CrAy CrAy Af Af Yoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo!
What is she yappin about??
This Lady is just full of excuses. Can't believe she is an accountant. She just waste money she spends money on a whim. She's not serious about getting out of debt everything is a joke to her.