It will forever amaze me the number of people who apply for this show, go through the entire vetting process, travel to the studio, and still walk in without a clue how much money they make
To be honest if u ask me .. I never knew how much I actually made in my photography business monthly until I start doing active looking in to every detail of spending n saving n all the good financial stuff.. & know I don’t have debt beside student loan ever.. cuz I knew way before Caleb became UA-camr that credit card is not for me.. just had the knot in my tummy saying stay away n spend cash.. and also my dad mom knew not to hand me anything but cash which saved my. Life further going in to debt .. they were all about using cash
@@Minashornpeople harass you, (Pervy men specifically), you’re around drunks and addicts all the time, dangerous people, etc etc. it’s depressing after a while.
I'm waiting for someone to show up wearing a mask on this show, like the guy that won the lottery and showed up to collect wearing a Scream mask so his family wouldn't know it was him haha.
I can’t say how much I love when Caleb hits the guest with true empathy. “This is the natural response. It’s overwhelming.” Love it Caleb, keep that kindness.
To the producers - can you add back the total debt count? And potentially a graphic that shows their income if they have multiple income streams? It can be difficult to follow and the comparison next to each other would be really fascinating.
As long as you have the money for it and it make sense go for it. I’m sure you know, a lot of shops don’t touch BMWs(at least the town I was from). My brother had a 330ci and he did all the repairs himself
She shouldn’t be too embarrassed to be crying! I would be crying within the first two minutes with Caleb! She seems like a hard working dreamer without an anchor to keep her in check. I hope she finds stability in her future! Great show!
I genuinely think she came on bc she knows she needs accountability. She knows she needs to stop the BS spending and pay off her debt, but she doesn't have the discipline without someone "laying down the law." I have hope that she really can grow up with the tough love and threat of an update episode in the future. The jobs, otoh, she needs real advice on.
depends! what month we talking about🤓, trust me it all makes sense but its a little goofy. i can explain but like why does it matter if i can make it click🥴
It really depends, I have a business so it's very difficult to say how much I make a month. Usually I dont know how much I make a year until I file taxes
@@zbest-onebut you have to know a general average number because you’re funding your operating costs, and to be profitable you have to be making more than your spending. Also in many sectors of business you can estimate your future income by looking back at the last year. Example - if you have 1000 customers in January of 2023 you can anticipate that same volume in January 2024.
@@RagingBadger68 It's a lot more volatile than that because we only have a handful of clients that pay a lot. One of them goes away, or has their own financial trouble, it can make a profitable year go into the red.
God I completely get what she’s feeling. Something in my brain used to shut down when I used to think about my situation. “If I just pretend everything is fine I can get through this”. Caleb is doing something that people around you won’t do because it would make you cry but it’s the truth. I hope she can make it out. I did and the relief is insane.
yep she's gonna need that law firm soon enough, but as a customer instead of a disgruntled employee...same with the money laundering obviously going on in da club 🤣
My sister is a server and her tax person told her not to claim tips in entirety. She wanted to so she can show she makes enough to buy a place but they didnt let her for some reason. Maybe a bad tax person?
@@ThePestilentDefiler that tax person is telling her to commit fraud. Not claiming income so you can pay lower taxes isn't tax advice, its criminal advice. And sucks because she wants to show income to get a mortgage, but she is also not paying her fair share of taxes
@@ThePestilentDefilernot claiming all your tips is a common thing to avoid paying taxes. Thats the only purpose. It is tax fraud but usually a small amount that doesn’t get too much attention. If you’re making enough tips to at least make minimum wage then you’re probably not going to get an audit but you are still committing tax fraud.
Financial planner here… every expression Caleb shows to his guests is what I wish I could make to my clients over and over again. This is my #1 finance channel
@@susaneyeo9419not a financial planner, but a person that has been in the financial industry for 10yrs both front line & back office. And I can say yes! People think the are doing ok but really are in debt to their necks living on credit cards and every other think you have seen in this channel.
@@susaneyeo9419 financial planners are not cheap, doubt many "Average" people they have expirience with...also you need to define average because it depends where you live...the "Average" can be very skewed depending on location
How do you not understand how this works? This channel feeds on the outrage and voyeurism of comparatively responsible people. Nobody would watch if it were someone who just needed to tighten up their spending habits a little. People tune in for trainwrecks, so they can judge the irresponsibility and misfortune of others. That's why every thumbnail to this crap is some variant of "This Person Has Ruined Their Life"
The worst thing social media has done is convince children and young adults that their feelings equal reality. Feelings are valid, but we still have to live in the real world
Feelings can sometimes save you from the very real dangers of the real world There is obviously something going on that scares her and as a woman I know that you should always follow your gut if something makes you fear for your safety
@@violet18 All feelings are valid to feel and think about, including jealousy and envy. Just don't take action on the negative emotions that cloud rational judgment.
@@violet18 jealousy and envy are valid Those emotions don't come from nowhere. You don't wake up amd choose to be miserable. Life experience, neglect, lack of discipline and mishaps can shape you to becoming jealous. But recognising that you are in that moment and working on yourself to make yourself better and making sure you don't take out that upset on others is what is important. When my dad died when I was 9 I became so jealous of other girls with fathers I would cry every time I saw them. Which meant every time I left the damned house. I had to heal from it and managed to direct that jealousy to being happy for them they they didn't have to go through what I did. The jealousy wasn't the issue, life was genuinely unfair, but learning from it and changing how you see things is the key. This goes for every negative emotion.
@@DESPISEDIC0Nthat is what i was thinking- he just wasn’t picking up on it. So id agree with her that the club is probably something she should avoid 😮
I am getting sus vibes with it too. She'd say a large sum of money came in because of things happening at the club. Like it really sounds more like "escort" services.
I just can't wrap my head around able bodied, licensed, insured, vehicle owners spending 100-1000's of dollars for someone to drive fast food to their house.
As someone who lives in a city and can afford to get way more Uber eats than I do (I rarely deliver, my wife and I make food), it’s convenient. Nothing else to it. A lot of these people live in apartments and it’s a whole process just to leave. It’s not an excuse, though. Plan your shopping better if you don’t like having to go out
"I was looking after stuff at the club, and money had to pass through my account." I think that's tax fraud, and you just freely said it on the Internet 😵💫😵💫
She is going to prison if she doesn’t stop the money laundering, tax fraud, and providing services without a license. I don’t think she understands math.
Most of these people seem to have a personality disorder. Narcissism or something adjacent to it. For that reason, mental health isn't something that can really be fixed with these people. Who they are, fundamentally, is disordered. This personality disorder will likely put their life in a position where they'll suffer from deteriorating mental health (anxiety/depression), but the core issue is their disordered personality.
It's because in the last month she 1. Went part time on her main job 2. Is planning to quit her other main job 3. Started a new job She actually probably hasn't had a month of consistent income yet in this new work configuration.
🤔Wonder if she's the first person to graduate from college in her family. It's like she's created the facade of a successful "boss babe" to her family and there's a ton of pressure to carry everyone. Telling people you make $30hr can make it seem like you're doing well..when in reality you're not paying your Taxes🤦🏾♀️. Things aren't always what they seem🤷🏾♀️ Hopefully this conversation with Caleb is the reality check she needed.
So they were willing to keep her FTE at the law firm. Why hasn't she applied to other law firms? Or using the AJ degree with the police or sheriff's dept? The bottle girl thing probably isn't as good of a deal as she thinks, and it's short term. 1099 work is never as good as you think. If she was alone, how did she know for sure she had a seizure?
@500dollarjapanesetoaster8 I had the same questions...seems like she could do a lot with her degree BUT she said that she doesn't like to work for other people. Being an entrepreneur is great, but like Caleb advised, you have to be responsible and have savings. Sounds like she's putting the cart before the horse.
She probably graduated from a HBC where all they taught her math wise was how their financial situation isn't their fault and it's Generational poverty. The number of absolute beater cars in my area being driven around with our local HBC alumni stickers on them is insane. We had one come apply at our job for an entry level position at 14 an hour. Dude got a masters in sports marketing from them and has spent the last 8 years working as a chicken gutter for Tyson.
Caleb telling he to go back to the club was so frustrated … read between the lines. Something is happening to here that she does not feel safe any more. Her saying that money went to her account that wasn’t hers, very suspicious and she would much rather struggle than go back. However her lack of accountability also was annoying BUT when she broke down I realized that she was just putting up a front. She is hurting and hopefully she listens to Caleb and starts taking care of herself.
Sucks for her. She put herself in this position and now she has to reap what she has sewn. Either get out of the "night life" and make a respectable and safer living, or keep doing it while being halfway intelligent for a while longer to hopefully get out once and for all. Everyone white-knighting for fools who got themselves into these situations through their own actions need to wise up. We all have choices to make in life. Everyone on this shoe has consistently made awful ones.
@@damianwomack4668you’re trying to sound reasonable but you’re just being an asshole. She has made choices and is now trying to change her life. That is what this show is all about. You are just being judgmental and posturing, so you can feel good about your choices. Keep that negativity to yourself.
To the production team. Do you send the guests a questionnaire ahead of time with questions they should be expected to answer? It might help streamline the conversation if they come prepared with income/expense info, hours worked per week, and their financial goals. I think this would help the guest have a more productive conversation tailored to them and give Caleb a clearer way to help them get out of their situation.
I feel like this is a good idea. I would say that I think we also enjoy the organic reaction/ conversations we get from these episodes. To me, I enjoy the real nature and authentic conversation about money, which is such a taboo topic in some cultures.
Producer and the new Junior Producer: Can you start sending a basic questionnaire to people who will appear on the show with basic information they need to know before coming onto the show? I mean this girl had NO IDEA how much she made. That is ridiculous.
Right? Because a lot of recent episodes are like “well there’s nothing we can do until you look at your financial situation…do the budgeting program” 🤷🏻♀️
It adds a good amount of time to the video to see people have no idea what their average income is. Maybe the producers do ask, but some people don’t even try to get an average before the audit. Which is bad for Caleb’s blood pressure, but more content to watch.
She needed this wake up call and frankly it makes me mad to see someone who is working so hard at a ton of jobs and is blowing their HARD earned money on nonsense. I hope she can turn it around!
@@marylandmonroe Depends on the bank. She mentioned credit union and that hers doesn't charge for that. My credit union has the same sort of option called "overdraft protection". Its free and you just tell them yes or no when you setup your checking account. I told them no, because I dont want my debit card getting compromised and then somebody being able to use that to drain my savings.
definitely depends on the bank, some banks will close your savings accounts if you make more than 6 withrdrawals/transfers in a month period @@giantpune
It depends. There are ways to take advantage of it, and Caleb should know better with SoFi... They have overdraft coverage and overdraft protections which are 2 different things. Many people keep $1 in sofi checking so that they can maximize savings interest. SoFi moves the money from savings to checking only as needed with no penalties.
As a CPA, saying she’s going to magically find a job paying ~75k before taxes with a degree in criminal justice with 0 previous experience in the field is EXTREMELY unlikely in TX, these are very ambitious goals. Plus she definitely owes taxes on the bottle service job, so she’s definitely bigger in the red than shown
I’m an esthetician and they are in Texas, they have become so lenient with beauty services there, the lip injections she is referring to, are with Hyaluron Pen - no needles required. They give the appearance of lip fillers. All of this can be researched with EACH state: they all have different requirements… and idek if she has a cosmetologist license or esthetician license. I’m also not sure if that license is required for this service. I know in NC it is. It’s not safe long term though in general IMHO. I would never offer this service.
@@CleansingGemAesthetics_Chii thanks for the info. I just knew for a fact you can’t use a needle without medical training. She also never mentioned having certifications. Thanks again for the info. Just worrisome that someone is putting something in someone else’s body without medical training
This show is a constant reminder those people driving the 100k cars around, wearing the newest fashion always with a new outfit are not going to make it. Americans live beyond their means. It’s hard not to honestly
It's becoming a massive problem. Really, at this point, no amount of posting online is going to stop the tens of millions of people from circling the drain of financial ruin. We really need lawmakers to step in and curb how easily the average person can get approved for a line of credit without having paid previous lines of credit off and on time. There's no reason someone with 5 lines of credit and tons of past due should be getting approved for more personal loans and high interest credit cards.
My partner once told me that he felt like he was doing something wrong because he saw so many people our age ( late 20s) and younger going on trips and spending $$$ on expensive clothes, restuarant on the daily. Yet we have a comfortable like little to no debit saving for a home. And I had to really explain how people make that life time happen and how it's not gonna be forever, we are being smart with our money to not stress about money later.
@@caleb3909what really pisses me off is like sure, bleed people dry with interest so they can buy things now, people are mentally ill in general so that's a concrete way to make money and never have to work again if you were the right person at the right time... but then.. ontop of being filthy rich and never needing to worry about money every again, they decide to approve interest rates of %20-%25 which is just throwing away the key to their financial-lock. How do you get out of a debt that continues to grow even when you pay the minimum amount???? It's impressive just how scummy the things people are capable of doing if they are approved by a higher up. How those people sell those life-ruining loans is beyond me. We should put all the reps for credit card companies on the front lines in Ukraine. Nothing quite like a wall of sadists running at you because they have 0 regard for human life
I don't know how Caleb didn't pick up on it, but she was clearly involved in something bad and possibly illegal. She is trying to get out. Sure making money is important but this sounded bad.
Very doubtful, she wouldn’t go onto the show with that. She is very clearly AWFUL with money. She literally kept making excuses. She doesn’t work a lot because she is “stressed”. She refused several things Caleb said. You gotta put your grown up pants on. She even said she wanted a follow up. She wouldn’t have done so being involved in such shady things. People look into things that literally don’t correlate with the situation.
Then she shouldn’t have been an idiot and exposed her crime ridden finances to the show 🤷♂️ Hopefully she gets arrested for prostitution or whatever other nastiness she is involved in 🤷♂️
We got completely out of debt (30,000) dollars just from tips from Caleb and buckling down hard core. Seriously thank god for this podcast the release you feel from getting out of debt is unexplainable
What we need are some interviews with someone like you who has actually applied the knowledge Caleb is imparting. It can't be good for him to only get the losses with these idiots being completely delusional.
Right after Caleb was doubting her and saying nobody changes without hitting a breakthrough, she breaks down in tears. There it is! Now we can get to work.
Not paying bills because "Mercury was in retrograde" is the most ridiculous thing I've ever heard. Maybe she's been listening to Dr. Astrology/Dr. Love from Friday's episode. 😂
A 9-5 that pays 5K a month after taxes with a bachelors and likely no relevant experience is a crazy thing to ask for. It’s a stretch for ppl with a masters and a few years experience
Caleb, this woman is clearly screaming to you that some shady stuff happens at that club that she is trying to get away from. She is just afraid to say it out loud. I mean, is it just me seeing this?
100% something extra is happening at the club. Maybe people are trying to proposition her and she didn't want to say it. It's also possible that they cut that part because she didn't want to share it to the world. It seemed like a big branch of questioning to ignore imo
I totally agree. I know she had a hard time verbalizing it, but Caleb should have been able to better understand that she was having a terrible time at the club. Him basically telling her to suck it up felt icky (full disclosure, i’m not 100% through the episode, so maybe this changes)
@@Kaitlyn615She could say she doesn't feel comfortable working there anymore and he would understand. What do you expect to think when she can't even provide how much she earns.
Love this episode. I have to admit I'm addicted to the drama filled episodes with the hard headed guests! Hearing Caleb squeaky voice screaming I love it. I have no idea what this girl do but keep em coming!!!
My daughter is a senior in a public school. They're required to take a financial literacy course in order to graduate where they learn about loans, mortgages, interest rates and the like. Why isn't this a mandatory class everywhere?
Watching this show has shown me how DoorDash has people in a CHOKEHOLD. I did it ONE time bc of a coupon code I got. I saw the total for 1 thing I got and it took FOREVER to be delivered and the tip to the place and the tip to the driver and I literally was like “lol ya never again” and deleted the app. We cook at home. Fast food(anything not cooked at home) is literally destroying the middle class in America. (And unseen taxes with inflation right now).
totally agree! Someone gave me a doordash gift card, that is the only time i have ever used doordash. Its amazing to me how many people will pay the extra cost- I'm WAY too cheap!!
@@samanthamanci4667and I feel guilty for even buying a $6 loaf of fancier bread. I dont understand how people can do doordash for so much of their meals.
She has an incredible work ethic and I hope she gets over her money mindset & sees she deserves so much more than just a place to sleep ❤ rooting for you!
Kiki, if you see this, please look into the legality of doing lip injections out of your home. I just did a bit of research because I was curious, and found that there are some strict requirements. If you've already done this, good for you. I wish you luck in your path to financial freedom and your career endeavors!
I’m glad someone else caught this! Lip filler is not something to play around with. You have to understand how the different types of filler work, facial anatomy (which is complex) etc! Lip filler is something you have to certified to do and the only people who qualify for it are medical doctors, registered nurses, physician assistants and nurse practitioners. The everyday person off the street cannot legally become certified to do filler. I don’t even understand how she gets her hand on the product!
@@Neyskii527 Thanks for chiming in. I don't know anything about lip fillers, but I personally wouldn't go to someone's home for any cosmetic procedure, no matter how simple it seems, but that's just me.
This woman is all over the place!! And Caleb, instead of trying to get her back in the club as a bottle Girl, why not just got back to full time at the law firm? She clearly doesn’t want to be in the club anymore and that’s something positive, not negative
I think because the $20/hour law firm job isn’t enough. She makes more as a server so for now that is a better use of her time until she gets a 9-5 that pays more
Delusional. The amount of people who insist they’re doing the right thing for themselves financially, despite being shown they are not, is astounding. But I’m here for it!
In order to legally administer treatments like Botox or dermal fillers, you need to be certified to do so. She never says that she is certified for lip injections or teaching kids drama classes. She has a degree in criminal justice. How is she teaching kids or giving lip injections?
Caleb please do some average joes that don’t have crazy debt! The wild situations are entertaining and can help some people but I think having guests with normal debt, normal savings, and trying to plan for the future, but a new car, buy a house, maybe retire early (maybe not your average joe w/ that), etc. would be relatable for a lot of people!!!
That wouldn’t drive engagement though. For everyone that says they want to see that - 10 others just click on these videos to see losers who will never get out of debt and Caleb’s Jerry Springer style responses
My husband and I applied. We’re in a good spot, about to be debt free. But want to be better especially since we have a little one. Hopefully he’ll pick us!
As a 46 yr old single woman who didnt take finaces or life very seriously through my 20s its killing me to watch these young kids making the same mistakes and worse that i did 💔. Im pretty much screwed for retirement at this point. Still trying to get it together. Damn those taquitos and credit cards! 😳 glad the credit cards are gone now.
Same. I'm in my 40s and wish I could go back and slap myself. We didn't have resources like this though. Wish schools taught basic finances as most people have to figure it out on their own, myself included.
Same. I have been trying to undo these mistakes since the last few years and am throwing all I can at retirement. Still, better late than never, I guess. The internet didn't provide this information in my twenties, no good resources anywhere to be found even though I kept looking. With the online resources today comes a lot of bs but also some great insights if one keeps looking. Hey, we still have about 20 years to improve the trajectory of our life, that's not nothing.
These episodes are proof that schools curriculum needs to focus more on financial Literacy and life management.. I feel like home economics should be a core class for all grade levels . No individual person Should be dependent on another to make ends meet..
@@marcrose3403 obviously, it’s not enough. I have male friend who don’t know how to cook for themselves or do laundry or clean and maintain themselves. And female friends who don’t understand the simplest routine car maintenance .. money managing and savings should be taught more regularly form grade levels k to 12 .. i wish was taught more about the importance of banks and how to use them correctly.. i wish I was taught that importance of good debt 💸.. instead all we hear and see is how to avoid bad “debts“ .. I was so afraid of debt I always bought cash cars ..
People don’t even pay attention to classes already here they dropped civics class just about everywhere and that’s literally explaining how the govt works
She’s literally trying to tell you. Without telling you. You’re not picking up what she’s putting out. Being a bottle service girl is not easy it’s a lot of things that you have to endure, and safety should be more important. You have to read between the lines.
I read between the lines and the reality is she knows she's can't keep up with the competition. There are job openings all over this place, but these people do not want to work regular jobs. They want to be in the clubs and want male attention and that's why they're in the clubs with little to no clothes on.
caleb i love how you pick these guests on your show. this really helps younger generations see examples of what to do and what not to. please keep giving us this quality content!
Because no one is talking to them like this. Shoooot they're probably telling her the opposite, which is how she ended up here in the first place. In her heart she wants to trust the people around her but in her head she knows it's all wrong and just needs someone to verbally spank her. 😂 It's just financial therapy.
@@HereForFun98 That's super unhealthy in a relationship, generally tricking your parnter into any situation they are unsure or confidently against is a terrible thing to do.
@@austinjacobsen7689 I don't think it's accurate to say she's "too smart" for anything. She has a degree. She very clearly has not displayed any remarkable level of intelligence.
“Working for other people is dragging me down”. No ma’am. Working at a “club”, poor spending habits,and letting family mooch off you is contributing to your demise. Good luck kiddo.
Girl! Change to mint. We pay for my husband’s grandmother’s cell phone and she was PISSY when we switched to Mint and tried to threaten that she would be getting on her own plan 😂 like that’s even a threat. But she never did it. We did the cheapest option, signed up for 12 months, and it is $15 per phone monthly. And when we run out of data-oh well. We have wifi at home. 😂
Mint is really good! But personally I don't like the data cap. Some months I use a LOT and some hardly any. I use Visible Mobile and the base plan is $25/month for unlimited. Definitely worth it if you use a lot of data! No line requirements either. I just pay for my own line and it's still $25/month.
Mint doesn't really work in my area. But, my fiance got straight talk. Still unlimited everything and 45$ a month instead of 101$ he was paying through AT&T
Caleb! Big fan here. Love that you're helping the young folks get real with their money. They've been wrecked by parents who don't teach them, and social media that has steered them away from the basics of wealth building.
As a parent to two people in this generation... Don't blame the parents. I taught my kids well, I work in finance, and one is doing great and the other is like this one. Both had the same teaching. But they can choose bad if they want
@@LostRams it's not about the parents... It's about the kids. My parents were terrible with money. I learned to be good on my own. Everyone can. You don't need parents to decide your path
@@jablosounds I did. She cried and Caleb backed off but like he originally said most people continue their bad financial habits when they leave even if it seems like they have a change of heart on camera. Also don’t assume it makes an ass out of u and me.
I feel like so many peoples problem is just not knowing how much theyre making/ where it is. If they stop hiding their finances from themselves they would feel bad about their spending so they play ignorant instead to feel better 😭😭😭
90% of personal finance is emotional. Even Caleb's dumbest guests can do basic arithmetic. Their reasoning is never "I can make more if I invest that money rather than pay a bill", there's always a sigh and a "well..." There's always an appeal to emotion or some vague sense of duty, or they "needed" to buy something for their mental health.
Watching these videos keeps me on track with my frivolous spending and shopping addiction. I listen to them while getting ready in the morning and while driving to work. Thanks Financial Audit team 😊
This was a good episode. The thumbnail is deceiving. I like it when you show the dates of transactions.. seeing multiple purchases processed on the same day is great. Kiki has got this.. She has a very smooth voice.
I feel like she was overwhelmed with Caleb breaking everything down. I really think she wants to turn her situation around but the lack of financial knowledge is a huge road block. I am REALLY rooting for her! Go queen go 👑
The IRS needs to take a look at the club she works at. "Passthrough" raises red flags, possibly that she was taking payments from customers so the club didn't have to report.
Someone else should, too. Clearly she is trying to communicate, without saying it outright, that things are happening at the club which are making her feel uncomfortable at best, if not unsafe.
Caleb nailed it - immaturity. Children hide from their problems, make excuses, and just keep hoping it'll magically be fixed. Maybe she'll mature in her behaviors one day.
Not to be mean but I love to see the people finally cry. That is the actual point at which people finally realize the reality of their situation and that it is not what they make it out to be. Like Caleb says, having that raw emotion come out is the best start to getting out of the hole they are in. If you are unwilling to accept your situation and admit you are in trouble the recover process will never start. Caleb when people do finally break down you are wonderful and reassuring them why they are there and you are truly there to help them. Keep up the good work man!
This page makes me feel a lot better because I'm hard on myself sometimes and am a big saver. I watch these videos and I tell myself, yup just keep doing what you're doing. lol
Caleb, you expose how our society justifies poor decisions. Hopefully people who watch this show learn from the guests' actions and turn things around for themselves. Keep up the great work!
Caleb... have you ever considered doing an episode with someone from a different country? I'm from the UK and I'm certain many others in Europe watch and would find it interesting to get your take on our finances :)
Yeah I agree he would only be able to deal with budgeting He would have no context for things like salaries, pensions, differences in rents, paye etc Let alone conversions 50k is a great salary in the U.K. in America it’s struggle money
He probably wouldn't want to give incorrect adclvice because he doesn't know the intricacies of their taxes and situation, much less the laws themselves.
I have a hard time believing young adults when they say they don't get enough money. This woman is pulling in more money then my husband and I combined. And we are home owners. No Door Dash. No restaurants. No coffee runs.
When I was younger I worked more than one job . No social life, unhappy spent i.e. wasted money. Lost opportunities, lost money. Nor worth the effort. This girl is doing the same
If one doesn't have a very specific goal when taking on an additional job, they may as well not work it. If you aren't paying down on a bill, using that money to get together a down payment on a house, or to pay for your wedding...you are spending it on food, gas and nonsense to make you feel better because you're miserable.
I think it can be worth it for a short time for a specific goal. In summers in college I worked 50-80 hour weeks. It was maybe one year max cumulative of my life? Totally worth it long term. But to do it for any real length of time just makes no sense to me. It would destroy your life. And for what? More stuff?
Hey Caleb, I started watching a few months ago and I can now hear your voice yelling 'taquitos' every time I'm making stupid financial decisions. I've managed to budget and pay off enough debt that I can have a comfortable year long maternity leave with my baby. This channel is so important ❤️
@@isaiahayers1550not really. My family is from Wales. In the cities there's definitely mexican restaurants but in the village I live in we don't have one. Just a couple of Greek places, fish and chips etc.
If you like this, make sure to subscribe 😊 we are trying to get to 1,000,000, and we are so close thanks to YOU 🎉
😊2n
Great episode, the fact the laughed at "STD" shows what level on mental maturity she has
Caleb your channel blew up!!😮 I remember when you were close to doing your 50,000 subscriber giveaway seems like just a few months ago ❤
nothing wrong with getting fake plants for the office!
Abba and Preach brought me here and i had to subscribe. This is good content.
It will forever amaze me the number of people who apply for this show, go through the entire vetting process, travel to the studio, and still walk in without a clue how much money they make
“You mean like what do I feel like I see?”
Shes not smart enough to calculate that. She couldnt even count to 100 if you let her use her fingers
Nightlife money all over the place
You don't go to the circus to look at normal people😂
To be honest if u ask me .. I never knew how much I actually made in my photography business monthly until I start doing active looking in to every detail of spending n saving n all the good financial stuff.. & know I don’t have debt beside student loan ever.. cuz I knew way before Caleb became UA-camr that credit card is not for me.. just had the knot in my tummy saying stay away n spend cash.. and also my dad mom knew not to hand me anything but cash which saved my. Life further going in to debt .. they were all about using cash
“Money had to pass through my account“ is a terrifying phrase that raises all kinds of money laundering bells.
I thought the same exact thing lol
Reminds me of my sports betting account that makes me "wash" money through bets before I can withdraw lol
A lot of these bottle girls get offers from rich men. Or the manager of the club needed her account illegally. It is sketchy.
Because deep down, you know that’s exactly what’s happening
The money was just resting in my account - father ted crilly 😂😂😂
I’m rooting for her. She’s not verbalizing well why she hates working the club so much but I get it. It’s horrible.
Can you explain why its so horrible?
@@Minashornpeople harass you, (Pervy men specifically), you’re around drunks and addicts all the time, dangerous people, etc etc. it’s depressing after a while.
The IRS is sleeping on this channel 😂
This is the financial Vlad TV 😂😂😂
@@neauxmad1048😂😂😂
caleb possible irs sleeper agent😂🤣
😂😂😂
I'm waiting for someone to show up wearing a mask on this show, like the guy that won the lottery and showed up to collect wearing a Scream mask so his family wouldn't know it was him haha.
I finished paying off my capital one card this month!!!! Last year started off with owing 10k of capital and now 0 dollars owed!!! Feels awesome.
congrats dude! huge!
Proud of you bro! Keep being responsible
Wow that’s amazing!!
That’s AMAZING! Congrats to you. 👏🏾👏🏾👏🏾
Congratulations!😊🎉
I can’t say how much I love when Caleb hits the guest with true empathy. “This is the natural response. It’s overwhelming.” Love it Caleb, keep that kindness.
To the producers - can you add back the total debt count? And potentially a graphic that shows their income if they have multiple income streams? It can be difficult to follow and the comparison next to each other would be really fascinating.
👏👏👏
agree, the total debt count is so helpful! Bring it back!!
It would be helpful, it is hard to follow sometimes.😢
yes please
Agreed!
I was tempted to get a used BMW but this channel scared me into not doing it. I refuse to be a cliche lol
As long as you have the money for it and it make sense go for it. I’m sure you know, a lot of shops don’t touch BMWs(at least the town I was from). My brother had a 330ci and he did all the repairs himself
Hahaha
I got a used bmw 😈
I wouldn't parts and service will be more than on a huge variety of vehicles.
It’s crazy seeing other UA-camrs I subscribe to in the comments like us peasants
She shouldn’t be too embarrassed to be crying! I would be crying within the first two minutes with Caleb! She seems like a hard working dreamer without an anchor to keep her in check. I hope she finds stability in her future! Great show!
I genuinely think she came on bc she knows she needs accountability. She knows she needs to stop the BS spending and pay off her debt, but she doesn't have the discipline without someone "laying down the law." I have hope that she really can grow up with the tough love and threat of an update episode in the future.
The jobs, otoh, she needs real advice on.
“I did that in 2023!”
“That’s like 19 days ago!”
“I’ve changed”
New year, new me
😂🤣😂‼️
😂😂
That's Hilarious
😂😂😂😂😂
Prior to coming across this channel, I NEVER would have guessed the hardest question to answer for many people is “what is your monthly income?”
depends! what month we talking about🤓, trust me it all makes sense but its a little goofy. i can explain but like why does it matter if i can make it click🥴
It really depends, I have a business so it's very difficult to say how much I make a month. Usually I dont know how much I make a year until I file taxes
If you're hourly, it can vary. I usually budget based on my worst paycheck of the year for exactly that reason.
@@zbest-onebut you have to know a general average number because you’re funding your operating costs, and to be profitable you have to be making more than your spending.
Also in many sectors of business you can estimate your future income by looking back at the last year.
Example - if you have 1000 customers in January of 2023 you can anticipate that same volume in January 2024.
@@RagingBadger68 It's a lot more volatile than that because we only have a handful of clients that pay a lot. One of them goes away, or has their own financial trouble, it can make a profitable year go into the red.
God I completely get what she’s feeling. Something in my brain used to shut down when I used to think about my situation. “If I just pretend everything is fine I can get through this”. Caleb is doing something that people around you won’t do because it would make you cry but it’s the truth. I hope she can make it out. I did and the relief is insane.
The fact people are willing to come on this show and admit that they’re committing tax fraud.
yep she's gonna need that law firm soon enough, but as a customer instead of a disgruntled employee...same with the money laundering obviously going on in da club 🤣
My sister is a server and her tax person told her not to claim tips in entirety. She wanted to so she can show she makes enough to buy a place but they didnt let her for some reason. Maybe a bad tax person?
@@ThePestilentDefiler that tax person is telling her to commit fraud. Not claiming income so you can pay lower taxes isn't tax advice, its criminal advice. And sucks because she wants to show income to get a mortgage, but she is also not paying her fair share of taxes
@@ThePestilentDefilernot claiming all your tips is a common thing to avoid paying taxes. Thats the only purpose. It is tax fraud but usually a small amount that doesn’t get too much attention.
If you’re making enough tips to at least make minimum wage then you’re probably not going to get an audit but you are still committing tax fraud.
@@RagingBadger68mwh they don't need the tax money anyway. They'll just blow it on stupid stuff anyway.
Financial planner here… every expression Caleb shows to his guests is what I wish I could make to my clients over and over again. This is my #1 finance channel
Are average people as clueless as most of these guests?
@@susaneyeo9419not a financial planner, but a person that has been in the financial industry for 10yrs both front line & back office. And I can say yes! People think the are doing ok but really are in debt to their necks living on credit cards and every other think you have seen in this channel.
@@susaneyeo9419 The average person isn't talking to a financial planer normally so I'm not sure they'll be able to answer that question.
@@susaneyeo9419 financial planners are not cheap, doubt many "Average" people they have expirience with...also you need to define average because it depends where you live...the "Average" can be very skewed depending on location
How do you not understand how this works? This channel feeds on the outrage and voyeurism of comparatively responsible people. Nobody would watch if it were someone who just needed to tighten up their spending habits a little. People tune in for trainwrecks, so they can judge the irresponsibility and misfortune of others. That's why every thumbnail to this crap is some variant of "This Person Has Ruined Their Life"
The worst thing social media has done is convince children and young adults that their feelings equal reality.
Feelings are valid, but we still have to live in the real world
Not all feelings are valid
Jealousy and envy are deadly sins.
Feelings can sometimes save you from the very real dangers of the real world
There is obviously something going on that scares her and as a woman I know that you should always follow your gut if something makes you fear for your safety
@@violet18 All feelings are valid to feel and think about, including jealousy and envy. Just don't take action on the negative emotions that cloud rational judgment.
@@violet18 jealousy and envy are valid
Those emotions don't come from nowhere. You don't wake up amd choose to be miserable. Life experience, neglect, lack of discipline and mishaps can shape you to becoming jealous. But recognising that you are in that moment and working on yourself to make yourself better and making sure you don't take out that upset on others is what is important. When my dad died when I was 9 I became so jealous of other girls with fathers I would cry every time I saw them. Which meant every time I left the damned house. I had to heal from it and managed to direct that jealousy to being happy for them they they didn't have to go through what I did. The jealousy wasn't the issue, life was genuinely unfair, but learning from it and changing how you see things is the key. This goes for every negative emotion.
It really sounds like something that is happening at the club is unsafe and she doesn't want to say so.
I wonder if she'll even be able to keep that job after doing this show lol
100% she’s over turning tricks and wants out.
@@DESPISEDIC0Nthat is what i was thinking- he just wasn’t picking up on it. So id agree with her that the club is probably something she should avoid 😮
I am getting sus vibes with it too. She'd say a large sum of money came in because of things happening at the club. Like it really sounds more like "escort" services.
You can tell he doesn't understand club culture. She's right and he's definitely wrong in this situation
I just can't wrap my head around able bodied, licensed, insured, vehicle owners spending 100-1000's of dollars for someone to drive fast food to their house.
They are helping me get out of debt!
As someone who lives in a city and can afford to get way more Uber eats than I do (I rarely deliver, my wife and I make food), it’s convenient. Nothing else to it. A lot of these people live in apartments and it’s a whole process just to leave.
It’s not an excuse, though. Plan your shopping better if you don’t like having to go out
It's the new stupid 🤪 😅
Yeah I'm 22 and have never ordered food to my apartment. I would have to make at least 100k a year to start considering it
It’s for convenience
"I was looking after stuff at the club, and money had to pass through my account." I think that's tax fraud, and you just freely said it on the Internet 😵💫😵💫
She is going to prison if she doesn’t stop the money laundering, tax fraud, and providing services without a license. I don’t think she understands math.
im amazed that she just disclosed all of this information.
Let's keep it 100 many people that do 1099 work ain't paying taxes lmao
@@truebengalsfan Nah
Light is flickering upstairs
Women don't unsecured math
praying that this episode is more tame than last week’s. i still haven’t recovered
So far, it is.
I've heard "to be honest" multiple times and I'm not 5 minutes in
I'm worried
👏🏻👏🏻
A Thanos level villain like last week only comes along once a blue moon. We struck gold last week and IDK if we're going to top that anytime soon
Didn't that guy say Caleb owns 9 houses or some shit?
Shes got some work to do and i dont why but i do like her personality 💁🏻♀️ shes fairly positive and just needs to be educated
Is nobody else concerned when she talks about money for the club passing through her accounts - that she’s money laundering and has zero clue?
Sounded pretty lucrative though 😅
She knows but can't say it to Caleb on camera.
You’re cute.
That’s she wanted out cause she know when ish hits the fan life goin to really be lifing
Not concerned exactly but curious what kind of trouble it would cause.
I think we can all agree that Caleb has proven mental health and finances go hand in hand. So glad he advocates for that.
I think Dave Ramsey has a quote that's like "finances are 80% behavior and 20% math" and I think about it a LOT.
That's been common sense knowledge since "mental health" became a thing.
That's why I don't get why he is pressuring her to keep a job that will make her suffer
I think immaturity plays a bigger role than mental health.
Most of these people seem to have a personality disorder. Narcissism or something adjacent to it. For that reason, mental health isn't something that can really be fixed with these people. Who they are, fundamentally, is disordered. This personality disorder will likely put their life in a position where they'll suffer from deteriorating mental health (anxiety/depression), but the core issue is their disordered personality.
*caleb giggles* “you still look great” what an absolute SWEETHEART
I know.. this makes me want to hug him and tell him he's a sweet taquito❤😂
Holy hell, 8 minutes in and we don’t even get a clear number on her annual income. This is gonna be rough.
She spoke in so many circles and my head hurts. I got to 8 mins also. Caleb, I hope you can get through to her!
If only there was a piece of paper (pay stub, W2) that could answer easy questions.
I'm 12 mins in and still no clearer
@@whatleyo spoiler alert - it never becomes clear.
It's because in the last month she
1. Went part time on her main job
2. Is planning to quit her other main job
3. Started a new job
She actually probably hasn't had a month of consistent income yet in this new work configuration.
🤔Wonder if she's the first person to graduate from college in her family. It's like she's created the facade of a successful "boss babe" to her family and there's a ton of pressure to carry everyone. Telling people you make $30hr can make it seem like you're doing well..when in reality you're not paying your Taxes🤦🏾♀️. Things aren't always what they seem🤷🏾♀️ Hopefully this conversation with Caleb is the reality check she needed.
So they were willing to keep her FTE at the law firm. Why hasn't she applied to other law firms? Or using the AJ degree with the police or sheriff's dept? The bottle girl thing probably isn't as good of a deal as she thinks, and it's short term. 1099 work is never as good as you think.
If she was alone, how did she know for sure she had a seizure?
@500dollarjapanesetoaster8 I had the same questions...seems like she could do a lot with her degree BUT she said that she doesn't like to work for other people. Being an entrepreneur is great, but like Caleb advised, you have to be responsible and have savings. Sounds like she's putting the cart before the horse.
You nailed it
She probably graduated from a HBC where all they taught her math wise was how their financial situation isn't their fault and it's Generational poverty. The number of absolute beater cars in my area being driven around with our local HBC alumni stickers on them is insane. We had one come apply at our job for an entry level position at 14 an hour. Dude got a masters in sports marketing from them and has spent the last 8 years working as a chicken gutter for Tyson.
She frustrates me a lot. This was a little hard for me to get through. Her reasoning isn’t making sense what so ever
Caleb telling he to go back to the club was so frustrated … read between the lines. Something is happening to here that she does not feel safe any more. Her saying that money went to her account that wasn’t hers, very suspicious and she would much rather struggle than go back. However her lack of accountability also was annoying BUT when she broke down I realized that she was just putting up a front. She is hurting and hopefully she listens to Caleb and starts taking care of herself.
She ain’t gonna listen to anything he has to say
He also said to get another job if the club isn't what she wants..
Sucks for her. She put herself in this position and now she has to reap what she has sewn. Either get out of the "night life" and make a respectable and safer living, or keep doing it while being halfway intelligent for a while longer to hopefully get out once and for all. Everyone white-knighting for fools who got themselves into these situations through their own actions need to wise up. We all have choices to make in life. Everyone on this shoe has consistently made awful ones.
@@damianwomack4668you’re trying to sound reasonable but you’re just being an asshole. She has made choices and is now trying to change her life. That is what this show is all about. You are just being judgmental and posturing, so you can feel good about your choices. Keep that negativity to yourself.
Nobody makes anyone do that shit at the club. Clubs are a joke and so are the clowns that frequent them.
To the production team. Do you send the guests a questionnaire ahead of time with questions they should be expected to answer? It might help streamline the conversation if they come prepared with income/expense info, hours worked per week, and their financial goals. I think this would help the guest have a more productive conversation tailored to them and give Caleb a clearer way to help them get out of their situation.
This is a good idea but at this point they recruit most guests through the audience. Guests ought to expect the usual, most basic questions.
I feel like this is a good idea. I would say that I think we also enjoy the organic reaction/ conversations we get from these episodes. To me, I enjoy the real nature and authentic conversation about money, which is such a taboo topic in some cultures.
lol advice from an expert. 👌🏾
Caleb talks about this in his studio tour video, they do meetings with the guests to screen them before they come on the show
Tbh I feel that the people who show up and don't know it are the people with 20k unread emails who would have ignored the message
Producer and the new Junior Producer: Can you start sending a basic questionnaire to people who will appear on the show with basic information they need to know before coming onto the show? I mean this girl had NO IDEA how much she made. That is ridiculous.
I think some people don't have the skills to go and look in their accounts and do the math which is why they're in a financial mess in the first place
Right? Because a lot of recent episodes are like “well there’s nothing we can do until you look at your financial situation…do the budgeting program” 🤷🏻♀️
It adds a good amount of time to the video to see people have no idea what their average income is. Maybe the producers do ask, but some people don’t even try to get an average before the audit. Which is bad for Caleb’s blood pressure, but more content to watch.
Her money isn’t consistent it’s tip bias
@@LipglossAndLove12and here you are 😂😂
She needed this wake up call and frankly it makes me mad to see someone who is working so hard at a ton of jobs and is blowing their HARD earned money on nonsense. I hope she can turn it around!
Her excusing the overdrafts because they’re pulled from her savings is WILD. That’s not what savings is for!
I'm pretty sure most banks also charge a fee to cover an overdraft with savings.
I'm pretty sure the bank charges you a fee to transfer money from your savings when you have Insufficient funds in your checking account
@@marylandmonroe Depends on the bank. She mentioned credit union and that hers doesn't charge for that. My credit union has the same sort of option called "overdraft protection". Its free and you just tell them yes or no when you setup your checking account. I told them no, because I dont want my debit card getting compromised and then somebody being able to use that to drain my savings.
definitely depends on the bank, some banks will close your savings accounts if you make more than 6 withrdrawals/transfers in a month period @@giantpune
It depends. There are ways to take advantage of it, and Caleb should know better with SoFi... They have overdraft coverage and overdraft protections which are 2 different things. Many people keep $1 in sofi checking so that they can maximize savings interest. SoFi moves the money from savings to checking only as needed with no penalties.
Bottle girls get "offers". I dont think Caleb is reading between the lines about her discomfort. Its a real grey area.
I was thinking the same.
I was thinking a little on the illegal side too, especially if she's 'passing' money through her account... Def sus.
it's so obvious she doesn't feel safe, how does he not get that?
@@DarkbunnyessI picked that up too.
He’s the kind of guy that pays sex workers BECAUSE he doesn’t understand when women are uncomfortable
@@somethingsomething404lmaooo so many assumptions. You are crazy and she is just awful with money. Keep on coping.
As a CPA, saying she’s going to magically find a job paying ~75k before taxes with a degree in criminal justice with 0 previous experience in the field is EXTREMELY unlikely in TX, these are very ambitious goals. Plus she definitely owes taxes on the bottle service job, so she’s definitely bigger in the red than shown
I agree.
I can almost guarantee you she isn’t licensed properly to do lip injections which is super dangerous and a crime
I didn’t catch what she wanted to do..OMG think of the infection possibilities….ICK
I said the same thing! I wish Caleb would’ve said something to her about that.
@@joycef8443 💯 you have to be a medics professional to do those injections
I’m an esthetician and they are in Texas, they have become so lenient with beauty services there, the lip injections she is referring to, are with Hyaluron Pen - no needles required. They give the appearance of lip fillers. All of this can be researched with EACH state: they all have different requirements… and idek if she has a cosmetologist license or esthetician license. I’m also not sure if that license is required for this service. I know in NC it is. It’s not safe long term though in general IMHO. I would never offer this service.
@@CleansingGemAesthetics_Chii thanks for the info. I just knew for a fact you can’t use a needle without medical training. She also never mentioned having certifications. Thanks again for the info. Just worrisome that someone is putting something in someone else’s body without medical training
This show is a constant reminder those people driving the 100k cars around, wearing the newest fashion always with a new outfit are not going to make it. Americans live beyond their means. It’s hard not to honestly
It's becoming a massive problem. Really, at this point, no amount of posting online is going to stop the tens of millions of people from circling the drain of financial ruin. We really need lawmakers to step in and curb how easily the average person can get approved for a line of credit without having paid previous lines of credit off and on time. There's no reason someone with 5 lines of credit and tons of past due should be getting approved for more personal loans and high interest credit cards.
My partner once told me that he felt like he was doing something wrong because he saw so many people our age ( late 20s) and younger going on trips and spending $$$ on expensive clothes, restuarant on the daily. Yet we have a comfortable like little to no debit saving for a home. And I had to really explain how people make that life time happen and how it's not gonna be forever, we are being smart with our money to not stress about money later.
@@caleb3909what really pisses me off is like sure, bleed people dry with interest so they can buy things now, people are mentally ill in general so that's a concrete way to make money and never have to work again if you were the right person at the right time... but then.. ontop of being filthy rich and never needing to worry about money every again, they decide to approve interest rates of %20-%25 which is just throwing away the key to their financial-lock. How do you get out of a debt that continues to grow even when you pay the minimum amount???? It's impressive just how scummy the things people are capable of doing if they are approved by a higher up. How those people sell those life-ruining loans is beyond me.
We should put all the reps for credit card companies on the front lines in Ukraine. Nothing quite like a wall of sadists running at you because they have 0 regard for human life
Agreed, living modestly is so demonized in our current culture
Not all of them
Oh gosh the mom in me just melts when she cried. Sending a big mom hug!!!
Thats why shes in the situation shes in. Everyone feels bad so let people like this get away with ruining society.
Get a Man. Let him do it all for you 😂
Trust not a woman when she weeps, for it is her nature to weep when she wants her will.
Socrates
Ruining society? You’re ruining society because you have no humanity. You’re the bigger issue!
I don't know how Caleb didn't pick up on it, but she was clearly involved in something bad and possibly illegal. She is trying to get out. Sure making money is important but this sounded bad.
Very doubtful, she wouldn’t go onto the show with that. She is very clearly AWFUL with money. She literally kept making excuses. She doesn’t work a lot because she is “stressed”. She refused several things Caleb said. You gotta put your grown up pants on. She even said she wanted a follow up. She wouldn’t have done so being involved in such shady things. People look into things that literally don’t correlate with the situation.
He is not stupid, reason why he asked: How much was hers to keep?
"Very doubtful, she wouldn’t go onto the show with that" lmao you don;t realise how dumb people are @@ballscock9280
Then she shouldn’t have been an idiot and exposed her crime ridden finances to the show 🤷♂️ Hopefully she gets arrested for prostitution or whatever other nastiness she is involved in 🤷♂️
He didn't pick up on it because she sucks at communicating it clearly
We got completely out of debt (30,000) dollars just from tips from Caleb and buckling down hard core. Seriously thank god for this podcast the release you feel from getting out of debt is unexplainable
You’re cute.
@@RedPilledFitThis ain't it chief
What we need are some interviews with someone like you who has actually applied the knowledge Caleb is imparting. It can't be good for him to only get the losses with these idiots being completely delusional.
@@RedPilledFitcreep
Awesome job. Congrats.
Right after Caleb was doubting her and saying nobody changes without hitting a breakthrough, she breaks down in tears. There it is! Now we can get to work.
gotta get to the feelings before any progress can be made 💕
Not paying bills because "Mercury was in retrograde" is the most ridiculous thing I've ever heard. Maybe she's been listening to Dr. Astrology/Dr. Love from Friday's episode. 😂
I thought mentioning Mercury's retrograde was describing why she was dealing with depression or the blues.
Mercury is also a million miles away
When I heard that, my heart jumped. Flashbacks ensued
Y'all remember the OG Caleb video where that person on the street refused to pay rent? The energy is the same.
@@cococolonel you mean the one who wanted to trade apples for oranges?
Bottles were *HUGE* in H-Town back in the day. The amount of financial power I've literally seen poured on the ground... it's insanity.
that is financial lunacy not power.
stimulus money ran out💀
@@clark-ul7tpexactly!!! Hood rich 🤑
As big of a waste as buying fireworks.
Is that where stimulus checks went?
A 9-5 that pays 5K a month after taxes with a bachelors and likely no relevant experience is a crazy thing to ask for. It’s a stretch for ppl with a masters and a few years experience
Caleb, this woman is clearly screaming to you that some shady stuff happens at that club that she is trying to get away from. She is just afraid to say it out loud. I mean, is it just me seeing this?
100% something extra is happening at the club. Maybe people are trying to proposition her and she didn't want to say it. It's also possible that they cut that part because she didn't want to share it to the world. It seemed like a big branch of questioning to ignore imo
Exactly.
I totally agree. I know she had a hard time verbalizing it, but Caleb should have been able to better understand that she was having a terrible time at the club. Him basically telling her to suck it up felt icky (full disclosure, i’m not 100% through the episode, so maybe this changes)
Probably because she can’t answer one simple question in a full sentence. She’s all over the place.
@@Kaitlyn615She could say she doesn't feel comfortable working there anymore and he would understand. What do you expect to think when she can't even provide how much she earns.
Congrats on the Yahoo Financial article they wrote about you and your show! And Thank you for helping me change my mindset around Finances!!
Love this episode. I have to admit I'm addicted to the drama filled episodes with the hard headed guests! Hearing Caleb squeaky voice screaming I love it. I have no idea what this girl do but keep em coming!!!
Dear Public Schools, stop funding cinematic content classes and start funding classes for personal finance!
1000% agree! Because wth!!!
My school had a required finance class where we had to do budgeting, taxes, and financing math
My 9th grade English teacher taught us how to fill out the 1040-EZ in the early 2000s. Not sure why, but then again, nobody else did it.
"Yeah good luck with that"
-Capital One lobbyists probably
My daughter is a senior in a public school. They're required to take a financial literacy course in order to graduate where they learn about loans, mortgages, interest rates and the like. Why isn't this a mandatory class everywhere?
Watching this show has shown me how DoorDash has people in a CHOKEHOLD. I did it ONE time bc of a coupon code I got. I saw the total for 1 thing I got and it took FOREVER to be delivered and the tip to the place and the tip to the driver and I literally was like “lol ya never again” and deleted the app. We cook at home. Fast food(anything not cooked at home) is literally destroying the middle class in America. (And unseen taxes with inflation right now).
totally agree! Someone gave me a doordash gift card, that is the only time i have ever used doordash. Its amazing to me how many people will pay the extra cost- I'm WAY too cheap!!
So true! Food is stone cold and wrong order 😅 cooking a home (even a PB&J) is better than that
@@samanthamanci4667and I feel guilty for even buying a $6 loaf of fancier bread. I dont understand how people can do doordash for so much of their meals.
I’ve never used DoorDash in my life lmao. No way in hell I’d trust strangers to bring me food to my home.
I very rarely use it. The only times I do are when I have a free trial that reduces fees or my job reimburses me for takeout.
She has an incredible work ethic and I hope she gets over her money mindset & sees she deserves so much more than just a place to sleep ❤ rooting for you!
You don't know anything about her work ethic lol.. people lie and her finances prove it.. dam people are so gullible
Lmao you're so naive.
Kiki, if you see this, please look into the legality of doing lip injections out of your home. I just did a bit of research because I was curious, and found that there are some strict requirements. If you've already done this, good for you. I wish you luck in your path to financial freedom and your career endeavors!
I’m glad someone else caught this! Lip filler is not something to play around with. You have to understand how the different types of filler work, facial anatomy (which is complex) etc! Lip filler is something you have to certified to do and the only people who qualify for it are medical doctors, registered nurses, physician assistants and nurse practitioners. The everyday person off the street cannot legally become certified to do filler. I don’t even understand how she gets her hand on the product!
@@Neyskii527 Thanks for chiming in. I don't know anything about lip fillers, but I personally wouldn't go to someone's home for any cosmetic procedure, no matter how simple it seems, but that's just me.
Self snitching... it's a wrap for her 😂😂
Ew. Ew. Ew.
Stop this nonsense, ladies. STOP.
How about debt consolidation 😂
This woman is all over the place!!
And Caleb, instead of trying to get her back in the club as a bottle Girl, why not just got back to full time at the law firm? She clearly doesn’t want to be in the club anymore and that’s something positive, not negative
I think because the $20/hour law firm job isn’t enough. She makes more as a server so for now that is a better use of her time until she gets a 9-5 that pays more
@@jaynez9027Except that it sounds like the club is making her moneylaunder for them...
@@jaynez9027it’s not enough because she waste money like a champ. Stop wasting money and the legal office job is plenty.
When she started to cry I honestly felt it. It’s time to move ahead to maturity
Delusional. The amount of people who insist they’re doing the right thing for themselves financially, despite being shown they are not, is astounding. But I’m here for it!
Most people come here for attention and sympathy Caleb advice is honestly common sense
In order to legally administer treatments like Botox or dermal fillers, you need to be certified to do so. She never says that she is certified for lip injections or teaching kids drama classes. She has a degree in criminal justice. How is she teaching kids or giving lip injections?
DEI
I was just thinking this. In most every state you need to be a board certified healthcare provider…. MD, RN, NP, PA, DDS/DMD, RDH……
She’s probably lying about everything, total scammer.
@@amp2193you’re gross
@@amp2193 Huh?!?
It’s something going on with that club. She’s so uncomfortable with it.
Caleb please do some average joes that don’t have crazy debt! The wild situations are entertaining and can help some people but I think having guests with normal debt, normal savings, and trying to plan for the future, but a new car, buy a house, maybe retire early (maybe not your average joe w/ that), etc. would be relatable for a lot of people!!!
Absolutely totally agree! I'd love to see someone who's already on track and see a plan for them and suggestions on where to move forward to
That wouldn’t drive engagement though. For everyone that says they want to see that - 10 others just click on these videos to see losers who will never get out of debt and Caleb’s Jerry Springer style responses
This is normal debt I know people who owe 300k I would be stressed at night
Yes I 2nd this
My husband and I applied. We’re in a good spot, about to be debt free. But want to be better especially since we have a little one. Hopefully he’ll pick us!
As a 46 yr old single woman who didnt take finaces or life very seriously through my 20s its killing me to watch these young kids making the same mistakes and worse that i did 💔. Im pretty much screwed for retirement at this point. Still trying to get it together. Damn those taquitos and credit cards! 😳 glad the credit cards are gone now.
Same. I'm in my 40s and wish I could go back and slap myself. We didn't have resources like this though. Wish schools taught basic finances as most people have to figure it out on their own, myself included.
Keep your head up. Better late than never.
Same. I have been trying to undo these mistakes since the last few years and am throwing all I can at retirement. Still, better late than never, I guess. The internet didn't provide this information in my twenties, no good resources anywhere to be found even though I kept looking. With the online resources today comes a lot of bs but also some great insights if one keeps looking. Hey, we still have about 20 years to improve the trajectory of our life, that's not nothing.
These episodes are proof that schools curriculum needs to focus more on financial Literacy and life management.. I feel like home economics should be a core class for all grade levels . No individual person Should be dependent on another to make ends meet..
Its call parents n family to teach life management
@@marcrose3403 obviously, it’s not enough. I have male friend who don’t know how to cook for themselves or do laundry or clean and maintain themselves. And female friends who don’t understand the simplest routine car maintenance .. money managing and savings should be taught more regularly form grade levels k to 12 .. i wish was taught more about the importance of banks and how to use them correctly.. i wish I was taught that importance of good debt 💸.. instead all we hear and see is how to avoid bad “debts“ .. I was so afraid of debt I always bought cash cars ..
@@marcrose3403most of those black folks don’t have families.🤷♂️
@@Bootyeater999 there’s a family. Just dysfunctional
People don’t even pay attention to classes already here they dropped civics class just about everywhere and that’s literally explaining how the govt works
If I signed up for financial help, I dont think I would be rolling my eyes at the person trying to help me 🥴
I am too tired … saw the title and was like, how does she live in a bottle?! 😂
😂😂😂😂
I thought she was gonna be somebody who picked up bottles and cans and turned them in for cash.
I’m 34, but I was here thinking about I Dream of Jeannie!
Maybe it's just a huge bottle. She might live in one of those glass houses you always hear about.
I thought in terms of bottle-blonde, where people use all sorts of Elixiers to enhance their looks 😅
She’s literally trying to tell you. Without telling you. You’re not picking up what she’s putting out. Being a bottle service girl is not easy it’s a lot of things that you have to endure, and safety should be more important. You have to read between the lines.
I read between the lines and the reality is she knows she's can't keep up with the competition. There are job openings all over this place, but these people do not want to work regular jobs. They want to be in the clubs and want male attention and that's why they're in the clubs with little to no clothes on.
Reading between the lines just means she's not that attractive and the younger more attractive girls are making all the money 😂
So true, it was so awkward watching this.
Nobody makes her do it. That's excuse making. What is he supposed to do put her on blast regardless of how she feels about it? Lol
so get a different job
caleb i love how you pick these guests on your show. this really helps younger generations see examples of what to do and what not to.
please keep giving us this quality content!
a lot more emphasis on what NOT to do.
All this stuff is common sense none of 90% of these young people should not be on this show
Uh...."stuff I had to do for work"....is girlie money laundering for the club? Very sus.
I was thinking maybe prostitution of some sort, sadly
My favorite part is when they run out of excuses and start crying. Cuz baby I’m crying in the first 5 minutes!
Because no one is talking to them like this. Shoooot they're probably telling her the opposite, which is how she ended up here in the first place. In her heart she wants to trust the people around her but in her head she knows it's all wrong and just needs someone to verbally spank her. 😂
It's just financial therapy.
Currently trying to convince my husband that we should go on this show! We could use Caleb’s help!!
You could go it alone.
Nah I need Caleb to yell at both of us 😂
I love when it’s a couple I feel like we get the whole picture
Just get accepted/screened alone and book a flight for you both 🤣. “We’re going on a trip” then show up to a financial audit.
@@HereForFun98 That's super unhealthy in a relationship, generally tricking your parnter into any situation they are unsure or confidently against is a terrible thing to do.
She's just smart enough to get herself in trouble thinking she has it figured out.
This is a classic case of 'being too smart for your own good' a degree and still no idea about anything
@@austinjacobsen7689 I don't think it's accurate to say she's "too smart" for anything. She has a degree. She very clearly has not displayed any remarkable level of intelligence.
“Working for other people is dragging me down”. No ma’am. Working at a “club”, poor spending habits,and letting family mooch off you is contributing to your demise. Good luck kiddo.
Absolutely!!!!! She will be on the news soon if she does not stop.
Caleb handled her emotions with compassion while holding her accountable. Kudos to him!
Girl! Change to mint. We pay for my husband’s grandmother’s cell phone and she was PISSY when we switched to Mint and tried to threaten that she would be getting on her own plan 😂 like that’s even a threat. But she never did it.
We did the cheapest option, signed up for 12 months, and it is $15 per phone monthly.
And when we run out of data-oh well. We have wifi at home. 😂
Mint is really good! But personally I don't like the data cap. Some months I use a LOT and some hardly any. I use Visible Mobile and the base plan is $25/month for unlimited. Definitely worth it if you use a lot of data! No line requirements either. I just pay for my own line and it's still $25/month.
Mint doesn't really work in my area. But, my fiance got straight talk. Still unlimited everything and 45$ a month instead of 101$ he was paying through AT&T
I have Visible and it’s $25 per month with unlimited data.
Caleb! Big fan here. Love that you're helping the young folks get real with their money. They've been wrecked by parents who don't teach them, and social media that has steered them away from the basics of wealth building.
As a parent to two people in this generation... Don't blame the parents. I taught my kids well, I work in finance, and one is doing great and the other is like this one. Both had the same teaching. But they can choose bad if they want
@@laundrygoddess4 They dont mean every parent... obviously there are exceptions like you.
@@LostRams it's not about the parents... It's about the kids. My parents were terrible with money. I learned to be good on my own. Everyone can. You don't need parents to decide your path
Thanks Caleb, paid off all my debts except for mortgage, car payment, living expenses and I have an emergency fund. Thank you for your help.
I’m convinced people like this don’t want help with their finances. They want their moment of fame.
But what fame? Showing that you’re financially irresponsible and bad at budgeting. 😂
@@shreddy_mcgnar6359 True. So gross. The way she gets off on hearing herself talk, the body language bleh... it's like verbal mstrbtn.
watch the whole vid
@@jablosounds I did. She cried and Caleb backed off but like he originally said most people continue their bad financial habits when they leave even if it seems like they have a change of heart on camera.
Also don’t assume it makes an ass out of u and me.
Exactly, just like the talk shows like Maury, Ricki Lake, etc. that used to come on traditional linear television.
I feel like so many peoples problem is just not knowing how much theyre making/ where it is.
If they stop hiding their finances from themselves they would feel bad about their spending so they play ignorant instead to feel better 😭😭😭
90% of personal finance is emotional.
Even Caleb's dumbest guests can do basic arithmetic. Their reasoning is never "I can make more if I invest that money rather than pay a bill", there's always a sigh and a "well..."
There's always an appeal to emotion or some vague sense of duty, or they "needed" to buy something for their mental health.
I want to thank this man for having this series and making my realize I need to get my spending problems under control.
That club has some shady shit going on lol
It is Atlanta though
Yes! I was wondering why he wasn’t getting the hints!
We really need a person to come on that knows what they are doing and bring up morale. 10 episodes of craziness is rough. 😢
I agree, just a regular normal audit might be kind of refreshing and more relatable to some
That club sounds shady as hell
Watching these videos keeps me on track with my frivolous spending and shopping addiction. I listen to them while getting ready in the morning and while driving to work. Thanks Financial Audit team 😊
Same, this show made me cancel all my subscriptions and really check all of my unnecessary spending
This is the type of girl Drake raps about
😂
Finally someone said it.
This was a good episode. The thumbnail is deceiving. I like it when you show the dates of transactions.. seeing multiple purchases processed on the same day is great. Kiki has got this.. She has a very smooth voice.
I feel like she was overwhelmed with Caleb breaking everything down. I really think she wants to turn her situation around but the lack of financial knowledge is a huge road block. I am REALLY rooting for her! Go queen go 👑
The IRS needs to take a look at the club she works at. "Passthrough" raises red flags, possibly that she was taking payments from customers so the club didn't have to report.
Someone else should, too. Clearly she is trying to communicate, without saying it outright, that things are happening at the club which are making her feel uncomfortable at best, if not unsafe.
Door Dash and Uber Eats is such a scam. It’s wild to me how much people use it.
Really enjoyed this episode! Thanks!
Kiki!! You got this girl! Tell the family "No", make the right changes, get out of debt girl!
She cant answer: how many hours she works, what her income is, or what her tax return is.
Wtf 😂
Still haven’t worked out what jobs / businesses she has
....why would a you say that cuz she's....@pookiesfriendrayray7086
Paying 8 bucks for a coffee is nuts!
Caleb nailed it - immaturity. Children hide from their problems, make excuses, and just keep hoping it'll magically be fixed. Maybe she'll mature in her behaviors one day.
She's very young. I didn't really think about my finances until my early thirties.
You usually don't need to unless something falls apart.
@@frankvonfraunerexactly the definition of financial illiteracy.
She’s young so at least she’s making money , she will grow in maturity
@@noahpanuyassYet she makes more money than u 🤣
@@madzmadeit i see you make numbers in your head then accept it as true. Nice brain you got there
Not to be mean but I love to see the people finally cry. That is the actual point at which people finally realize the reality of their situation and that it is not what they make it out to be. Like Caleb says, having that raw emotion come out is the best start to getting out of the hole they are in. If you are unwilling to accept your situation and admit you are in trouble the recover process will never start. Caleb when people do finally break down you are wonderful and reassuring them why they are there and you are truly there to help them. Keep up the good work man!
This page makes me feel a lot better because I'm hard on myself sometimes and am a big saver. I watch these videos and I tell myself, yup just keep doing what you're doing. lol
This episode should be titled “The girl math isn’t mathing.”😂
I’m now calling this “The one where Caleb yells “Overdraft” 😂 I love this channel!!! You’re the funniest person Caleb!
You’re cute.
I'm happy I wasn't playing the "overdraft" drinking game, lemme tell you 😂
@@MaidJehanne you’re cute.
Why would a business have to use an employees account to "pass through"... No legit business operates this way.
Why would she tell us is the real question 😂😂😂
@@puddincup9879 Numbers don't lie....and probably doesn't know that's not right to begin with
Caleb, you expose how our society justifies poor decisions. Hopefully people who watch this show learn from the guests' actions and turn things around for themselves. Keep up the great work!
Your plants need light
Caleb... have you ever considered doing an episode with someone from a different country? I'm from the UK and I'm certain many others in Europe watch and would find it interesting to get your take on our finances :)
That would be super interesting
He would have to learn all of the tax laws and conversion rates. I dont know if the amount of work would be worth it.
That’s probably not a good idea
Yeah I agree he would only be able to deal with budgeting
He would have no context for things like salaries, pensions, differences in rents, paye etc
Let alone conversions
50k is a great salary in the U.K. in America it’s struggle money
He probably wouldn't want to give incorrect adclvice because he doesn't know the intricacies of their taxes and situation, much less the laws themselves.
I have a hard time believing young adults when they say they don't get enough money. This woman is pulling in more money then my husband and I combined. And we are home owners. No Door Dash. No restaurants. No coffee runs.
Wake me up when there's someone who ACTUALLY wants to organize their finances.
And he was never heard from again, legend has it he sleeps still to this day.
When I was younger I worked more than one job . No social life, unhappy spent i.e. wasted money. Lost opportunities, lost money. Nor worth the effort. This girl is doing the same
If one doesn't have a very specific goal when taking on an additional job, they may as well not work it. If you aren't paying down on a bill, using that money to get together a down payment on a house, or to pay for your wedding...you are spending it on food, gas and nonsense to make you feel better because you're miserable.
Took on a new job and lifestyle inflated to the point it's not even worth it
I think it can be worth it for a short time for a specific goal. In summers in college I worked 50-80 hour weeks. It was maybe one year max cumulative of my life? Totally worth it long term. But to do it for any real length of time just makes no sense to me. It would destroy your life. And for what? More stuff?
This channel makes me feel so much better about myself lmao
Man, this show is the only thing that gets me through my days!❤️ you guys are doing so amazing!
Hey Caleb, I started watching a few months ago and I can now hear your voice yelling 'taquitos' every time I'm making stupid financial decisions. I've managed to budget and pay off enough debt that I can have a comfortable year long maternity leave with my baby. This channel is so important ❤️
*taquitos
@@isaiahayers1550 My bad, we don't have a lot of central or south American food in my country.
@@hjt5894 that's unfortunate. I would presume you all don't have much Mexican food either then, huh? Where are you from?
@@isaiahayers1550not really. My family is from Wales. In the cities there's definitely mexican restaurants but in the village I live in we don't have one. Just a couple of Greek places, fish and chips etc.
@@hjt5894 that's unfortunate, but I do love fish & chips. Hope you get to the city for some taquitos sometime because they're delightful.