She's In Debt To Her Boyfriend For Survival | Financial Audit
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- Опубліковано 20 чер 2023
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Why she look like caleb😂😂
Broooo 😂
Sister😂😂😂😂
They are tween flames 🔥 🔥
Could be the glasses and the facial expressions.
Holy crap you’re right!! 😱 lol
At this rate, in 5 years, this channel will have educated more youth about financial education than the school system has ever. Thank you for what you're doing. Humans will definitely be better in the future because of it.
Lol, you overestimate the people's ability to control impulses
@@ghostofantarctica8216well he just simply said that *more* humans will be better with debt and useless spending, not all of them.
Ever taken a math class?
Financial education is just math, with a '$' added into the equation.
Ain't rocket science, schools already teach it.
So I guess your parents are doing a poor job teaching you how to add and subtract.
In 5 years the finance landscape will be undergoing a paradigm shift. CBDCs will run half the govs in the world. BRICS will have their own $, the petrodollar will lose dominance, Bitcoin will be 200k and the digital asset market will be multi-trillion and pseudo-anonymous. People will demand online privacy and there will be no will to oppose it.
If you think putting money into a 401k tied to USD will prepare young people for any of this, you're dreaming. Nothing short of outright econo-fascism will save middle class America.
why am i so addicted to watching these videos haha
Because you enjoy watching people be scrutinized.
omg javadoodles! does this mean we can get a screaming Caleb animation soon 👀🤭
it helps me look at my own spending, but it also makes me feel better to see other people going thru it
@@esmeraldarodri i will ask if he wants to collab hahaha
I think subconsciously we like to compare ourselves to other ppl
I saw someone at the gym last night watching episodes while on the treadmill. Financial audit keeping us motivated in all spaces lol
I just went on a group trip with some friends and we all discovered we all watched him too bc someone randomly said “oh Caleb is going to be mad abt this” and we all got it lol
Man, being in debt to a partner is rough. It introduces a power dynamic and puts a big strain on the relationship too.
If they’re healthy about it… I mean I’d want to help my partner we all make mistakes. As long as she’s working on it
I can vouch for this. My partner owes me a pretty high amount and it's been a constant topic of contention when it comes to trying to be understanding but also calling out total bullshit on bad/impulsive spending.
Sounds like he wants his money then hes leaving. If i was him i would
This is what modern zero trust relationships are like
@@mAcroFaze I don’t agree with giving partners high amounts of money, I’m sorry girl. I know he’s probably not a scammer but you hear too many stories of women being conned out of money by men 😳
Paying a personal trainer insane amounts of money meanwhile blowing just as much getting fast/junk food. As Caleb loves to always say... "DEATH."
Exactly. It’s time to do a new workout: fork putdowns.
That's like running the furnace and the air conditioner at the same time.
She is a 3/10 and probs 200 pounds
@@nly4607 and yet she has a sugardaddy. Let this be a lesson to us.
Yeah, judging by this video she isn't doing anything that personal trainer says
Wait, her boyfriend is a student and she is choosing to pay full price for Apple music? They have a 50% discount to students that I took advantage of for years.
I graduated from uni in 2018 and since my email with my school is still active, I still get the student discount 😂 literally the only reason I haven't switched to Spotify
opm aka other peoples money. When your spending their money you tend to be less thrifty.
@@grace.1123 very late reply- I’m in the same boat, been using my student Apple Music for 2 years past graduation.
Hulu also has a student discount- it’s $2.18 a month being a student.
Coming from a very traditional Asian family, I wonder if boyfriend's parents 1) know about her and 2) know about her living in the apartment they're paying for. I know a mom who basically disowned her son for a similar arrangement. Maybe that money he is anxious to get back was also from his parents? This living arrangement seems so precarious!!!
I was thinking something similar.
She said she went to Korea tho so maybe they know about her??
But she also seems like she is holding things back. A lot of secrets here.
My assumption is that because boyfriend wanted to study in the US, his parents would be paying for his accommodation anyway, so she/boyfriend/both of them thought why should she bother paying rent.
Just an assumption.
@@nadineburford4977 I'm sure that's the thinking, but in many Asian cultures this would be taboo or shameful. I'm not Korean, though, and I'm not sure how socially conservative they are.
@@lilgrannyari OK, interesting!
The parents are probably also giving him $ for the food and utilities that SHE's paying for!
caleb is an absolute powerhouse with this content, holy hell. we love the consistency.
I walk a friend's dog over lunch every Monday Wednesday and Friday and without fail every time there's an audit to listen to while I walk, I don't even question it anymore I just expect it lol but he never lets me down!
Right!? Came here to say this. I love these videos and I love knowing that there will be a new one a few times a week!
It’s truly made my life better!
@@Ryan-wx1biI’d love to go on the show but I live in a different state from him. The reason is because I don’t have anyone in my personal life who can sit down and do this with me! Everyone in my life is as financially illiterate as me unfortunately. Though, I’m not as bad as some of these people!
seriously so much respect for his consistent upload schedule. as an animator, i could never xD
I made a spreadsheet of my last 4 months to see how much I was spending on grocery, gas, eating out, and my dogs. And holy crap. Only eating out every 2-3 days still cost me like $300 that I should be putting in savings. Thanks to Caleb I only eat out with social purposes and it’s nice watching my savings grow twice as fast. Plus I paid off my car early with the kick in the butt from these videos. I’m feeling good thanks to Caleb!
Right!? It’s always way more than we estimate in our heads, which is why tracking apps are great so you see where everything is going
@@MeghanGraceDIYwhat app would you recommend? It seems I can never get my self started with one
@@toolsac1014not op, but I use Mint
@@toolsac1014 I really like the free mint app. It can be complicated at first, it took me about a month to get the hang of it. But once I tracked my spending for a month, then I set up limits for each category and I check regularly to make sure I don’t go over in any category.
@@hasala12345you went out of your way to be an asshole? 😂
Wait. Is Caleb going to start bringing people back?! Please yes to re-audits!
he already has! the only one i can remember top of my head is this 18 year old very early on and he was brought back in the past 6 months
Testing
This one is giving me some red flags - I think she should definitely save up just in case the relationship doesn’t work longterm! If they break up, she’s stuck with no savings, no car, etc meanwhile he’s had his stuff fully funded between her paying for living expenses and his parents covering the rest- hopefully it turns out well though!
37.5 hours per week is the standard amount of time to schedule an employee in order to avoid overtime.
It’s too low and she needs a second job
And health insurance :(
@@miragggI’m not sure, but I’ve heard that there is no mandatory paid vacations in the US
@@miragggmost people only get paid time off after they earn it over several pay periods. Good PTO is around 2 weeks for an employee in my experience. But it’s only accessible after warning it all.
@@nineteenfortyeight6762 Doesn't she have health insurance? I missed that part. But if a company is contributing to a 401K they definitely offer health insurance.
Caleb has completely single-handedly fixed my financial mindset
First lesson. Stop eating out / ordering food.
I do Uber Eats driving for fun and easy money. The amount people spend on food delivery is insane and I will capitalize on it.
@@dustygearhead What's the average? I stopped doing UberEats when I realized I had spent all my savings on it in 2 months.. Yeah young and stupid and never again. Thankfully I'm not in debt, but 2k could have been put to better use.
same here.. got my eating out and cc debt under control since apr
yea dude since I started watching his Videos a few days ago I started to look at my spending more and I realized I spend way to much on eating out and delivery, I spent 200$ last month I need to cut that shit out starting now
Her employer gave her 37.5 hours a week and she wasn’t sure why after COVID. It’s so that they don’t have to provide healthcare to her.
fulltime is considered 30 and over hours. Tx could be the exception, since they're always the exception.
my healthcare employer here in Alberta Canada considers fulltime 37.5 hours per week. Has to do with unpaid lunch breaks during 8 hour shifts.
@@silverplug It's not a matter of exceptions; each state has its own laws. 32 in Texas. Some states (like NY) leave it up to the employer to define it. It's 40 in PA & CA.
@crusherven I thought there are some federal definitions, for ERISA and workers comp purposes?
@@silverplug On the federal level you're right, I'm sure different agencies have their own definitions.
Tip! Meal prep without a huge prep day:
When you are cooking a meal and double it and put the other in the freezer for later!!
She needs to be careful planning her future life around him and his potential earnings without the legal binding of marriage. He could easily ✌️out once he graduates and gets a job.
Yeah, that’s what he SHOULD do…getting a huge sense of freeloading from this one as his parents are clearly the ones paying for everything…”I can’t disclose where the $$ comes from”…lmfao
He should definitely leave her he's the one financing her lifestyle😂😂
@@erickn7985she’s still paying bills though
Sienna, if shopping helps you to de-stress or gives you pleasure in doing so, and you really want to manage it? Then I recommend having insta-cart as a side-hustle. You do the shopping for someone else and it’s typically easy stuff since it’s groceries. I’m not fully knowledgeable of the job, but I’m sure you can do some research on it. Or at LEAST TRY it. Remember, the sooner you out from debt, the more freedom you’ll have in the near future!!! Good luck!
What a great idea!
Whoa... that is a GREAT idea.😮 I actually should think about that
I believe she can do it. Glad to see someone who isn't arguing with Caleb the entire time like "information systems degree" man.
40yo smart kid?
I have low confidence she is going to stick to a tight budget. There was justification for EVERY purchase, and doesn't seem to be much urgency that she even has a debt issue.
That dude was a monster. No question about it.
What video was that?
TAQUITOS!
This channel has been a wake up call for my 33-yr old self. This has replaced my Hulu account (which has seen the door about 2 months now) in terms of entertainment. Lowered most of my expenses and bills like cellphone/ipad at $112 to $40 and etc. I've had Sofi for 3-years and it's been tremendous and love seeing the APY just skyrocket. Now I learned what a T-bill and a Roth IRA is from these videos. I've had public but never touched it with $30 total in there. Now, it's half a grand worth of investments; some with high dividends and have a bi-weekly recurring deposit into my Treasury Bills. Thank you, Caleb! Also, I had to transfer close to $3,000 from my ALLY HYSA towards opening my Fidelity Roth IRA and have started contributing bi-weekly from my paycheck to max that baby out. I've learned more in the last 3 months than I had in college and in life. Keep on keeping on Caleb. Love the 500K sub, I can see a 1M by Sept/Oct easily.
Crystal ball mode. No marriage certificate… he passes the bar, he moves away and leaves her.
And he should.
He will probably marry her for visa
@@softreset826I can tell you that it happens
She’s such a leech.
how negative lol
While being financially stable, this channel helps me realize ways I’m wasting money. Showed friends who really need the help your channel. Good work man.
Exactly how I feel
Same!
Currently have $40,000 in debt with 20% interest, $12,000 with 11% interest. Living off beans and toast for the next 18 months and I plan to be debt free by Christmas next year.
Update!?
@@whirlpoolman09 Down to $30000 😆
You are KILLING IT!@@buum7197
That's huge!!! Keep at it
I'm an underwriting *intern* in a MUCH cheaper city and I make $23 an hour so her pay rate being the same is insane to me personally
sounds like they work 40 hours but don’t get the paid lunch break . 30 minutes a day 5 days a week =40-2.5=37.5hours
I get leaning on a boyfriend for some support, but it’s crazy how intertwined some unmarried couples’ finances are. I didn’t even live with any boyfriends before my now-husband out of fear I’d be stuck with someone because of bills! I also never wanted to owe a boyfriend money lest it get held over my head.
On the flip, you almost need a two income household to function in a lot of areas, and getting a roommate can be so so so risky.
It sucks, man.
Here's the thing, she owed him because she had a proven track-record of irresponsibility and he might have been worried she'd drag him down. So, yeah, marriage is probably off the table if she doesn't change because then he'll be _legally_ on the hook for her bad decisions. The guy is being smart by not just throwing money at her because she'd learn to expect it and might even become worse at finances.
People are just dumber these days and infantilisation of Americans is happening
I don't understand why she's paying her boyfriend the full amount of all the stuff they bought on the credit card if he's the one that wanted the stuff in the first place. So now she's got to pay that back and pay interest on the credit card. Why can't she just pay half and call the other half his half of the stuff that they bought for their apartment?
This is confusing me too. At the very least she should only owe him half half of the 1800 if he also wanted the furniture etc. I’m also surprised people in the comments have suggested she’s using him/she is a sugar baby. He receives free housing from his parents, his girlfriend covered all of their moving bills and she also pays for food and utilities. If anyone is the sugar baby it’s him lol
Thinking this the whole time @@fae10
She needs to find a new personal trainer, or just drop the expensive personal trainer, and join a group training gym for alot cheaper, and more fun when your with a group
A group session would probably = greater success too because there's always that competitive edge, companionship and support from those on the journey with you.
Your videos are the reason I’m nearly debt free
You should put people who have follow ups in a playlist so its easier for us to find their previous videos. We, as the audience are nosey so love seeing their old videos and look forward to future check ins!
Within 2 months of watching these videos I’ve relived myself of $29k of debt. This channel should be shown in all high schools across america.
Wow! How did you do it?
Spending 29k in extra bs??? Is just insane to me
Then the indoctrination would be for not. They teach us the way they do on purpose. They want nation of workers not thinkers
Would backfire.
@@aihsonavais769 where did you get that from? Debt can be from all kinds of things and still suck, and uneducated people might think it’s better to save/invest that $29k and pay minimums on the debt instead of getting rid of the debt/interest ASAP.
Truly love the consistency and videos! You never disappoint Caleb!
I appreciate that!
@@CalebHammerupload less man. Your giving out these bangers too
Much. Slow down
@@XxCaptNKnucklesxXto grow on youtube he needs to post consistently. UA-cam doesn’t like recommending videos from inactive channels.
I think it’s great to have all these videos 😊
@@Dis_is_finethat was being a smart ass bud
Can we get 8 hour episodes? I need a work remedy to keep me on track. Listening to these make me that much more dedicated to leave my job in the next year to start my business.
That's a great new series idea: Financial torture.
I am down for this as well. I love listening to it while I work because it really does seem to help motivate me to work harder and make the most of my days!! Also encourages me to get more OT whenever possible too! 😂
@@lindzriddbsame here! I always listen to this while working and it encourages me to keep working harder and picking up extra time at work.
The mental gymnastics we do to justify out spending or inaction on something is craaaazy. Im not getting at just this girl because I also did this for years.
She should get a job in government filibustering. She would get paid a lot more and is clearly a pro at it.
Don't give her any ideas!!!
Lol 😂
Umm. Uhh.
@@bryguy1811 She's clearly nervous...
@@haute03exactly. There’s a slight quivering tone to her voice and she’s not really arguing.
The excuses they make are seriously the unconscious excuses they use to deny debt and living beyond their means. I did it myself and am learning everyday. Thanks for your content Caleb!!!!🎉🎉🎉lets go for ONE MILLION SUBSCRIBERS!!
Im glad to see Caleb bring his sister on the show and help get her help 😅. Love your stuff thanks for the consistency
🤣
Literally they look like kin 😂
As an Underwriter myself, I appreciate your definition for everyone, because underwriters feel like Chandler Bing - nobody knows what we do for a living!
So boyfriend is paying for rent (which actually comes from his family) because he’s in school while she’s working, yet she had to loan money from him that he’s expecting her to pay back (which she says she can’t say where it came from….but I’d bet his family also) just so they could move in together ? On top of the fact she’s not making much, has spending problems and credit card debt of her own with zero savings ? Sounds to me like a healthy start to a relationship !
Congrats on 500,000 subscribers, Caleb! We're already well on our way to 750,000! Keep up the GREAT work!
You say we but you have 25 subscribers. Curious
@@biigsmokee The community.
What a loser, including yourself lol you had nothing to do with this
You go girl! Listen to Caleb and get a second job and you will be free from debt, have a fully funded emergency fund, and happy as a clam. I never felt so alive as when I was knocking out debt and working a lot.
Caleb asks a simple yes or no question. Gets a 5 minutes excuse said back to him 🤦🏽♂️ the way people justify their spending is baffling to me yet I too used myself thinking those things when I overspent. Thanks to Caleb I’m well on my way to retiring a millionaire.
„Im working on losing weight so I spend a ton on a personal trainer“
*buys takeout almost every night*
Caleb explaining that she hasn't been paying off the card. Response, awkward silence. I just started laughing.
if i owed my boyfriend money there’s no way i would be going getting waxed, buying cosmetics, going to the MOVIES, or any of that bs…this girls excuses are annoying
Don’t forget the personal trainer!
I dunno, the trainer and the makeup and the waxes might be useful in keeping him from getting too chatty about being paid back 😅
The justifications for all the expenses are wild. I'm guilty of it myself in the past. It's crazy how we'll find reasons to justify poor behavior, financial or otherwise. It's definitely and issue of maturity and experience.
Agreed. It's definitely her main problem.
I wish I cared as deeply about anything as Caleb does about the financial futures of strangers he just met 😂
The editing on this between the dead silence of just going back and forth bahaha brilliant!
Boyfriend is, like, gonna, like, drop her like a hot potato once his, like, paperwork is settled.
😂😂😂
Winning comment.
Bet the boyfriend is going home to parents when graduated, She's a comfy pillow for him right now.
Yeah… I don’t really see it working considering how much he’s letting her suffer
Always such a treat to have Calebs videos drop
Keep cranking out these vids bro. You’re blessing us with the frequency of uploads
The blank stare 😂😂, she was definitely rethinking why she came on the show 🤣🤣
She might be on the spectrum
@@lindala2602 might be?!?
...gawd. EVERYONE is on the damn spectrum these days 😒
Society running a special.
There are people out there making 6 figures a year and dont spend that kind of money on a personal trainer. Oof.
I make $300,000 and don’t pay for a personal trainer at all. There’s UA-cam, free Nike apps, just get a gym membership and go. People make up needs.
Honestly i feel like its bf making her feel like she needs it. Obvi idk shit but thats how it feels to me
People underestimate how expensive moving to a new city is. When it wipes our your savings, you have no good job lined up and little support, it can be a bad idea, even for Love.
Props to her for being willing to go on the show. I would be in tears.
I love how consistent you are! Love these vids!
dude uploads consistently. love the content 👏🏻👏🏻👏🏻
🙌
😊
Thank you for being you, Caleb! I’ve finally found a watchable finance person😂 I just got my nursing license a couple months and finally making decent money. Now I feel like I can put myself in a good financial situation thanks to you!
Two things I've learned from watching this channel. 1. Not enough people (myself included) have been educated about what money is and how to properly use it. 2. Some people really don't know how to be honest with themselves, and that is just as sad or more sad.
The way I see it money is the token of value you assign to portions of your life. Once you've spent those hours you don't get them back. Squandering money is the same as squandering your life away.
Over 550,000 subscribers!! Caleb is going to be at a million so quickly!! Love your content! Be sure to take some scheduled time off for your mental health! Everyone would support a summer break for Caleb! ❤
Caleb should do a drunk celebrity audit. Both parties will be drinking and Caleb will struggle to get upset at the ridiculous spending. It’ll be a great time for all involved
I agree
You’re going to crush it on UA-cam. Watched like 5-6 videos in the past 2 days and your channel will easily be over 2 million subscribers within the next 2 years. Probably 1B video views by then too, keep killin it.
Ah yes, the classic “I used to have (a tiny bit) of money, but then two unforeseen events happened… and one of the events was ‘I bought a bunch of stuff.’”
Also, “I’m bored” is not a mental health problem.
😂😂
Seriously!!
I really didn't wanna laugh but...🤷🏾♂️ LOL
I was screaming "that's why you have an emergency fund!!"
@@Lazirus951 And buying furniture isn't an emergency anyway. Changing your flight home from korea is borderline, but the grandma dying may make it qualify. Emergency means EMERGENCY. It's like that sketchy husband with weird legal issues whose wife spent $10,000 from their emergency fund to remodel the bathroom.
You KNOW its gonna be a good day when these video go up. Congrats on ALMOST 550,000. Rock on my fellow michigander🤘
I thought you were auditing your sister 😂
Great vid Caleb!
Lmfao
YAY ANOTHER VIDEO. LETS GOOOOOOOOO - Literally how i go on the inside every time i see that you upload
caleb thanks to you and getting a better job i finally started a 401k….at 27 lol but hey still 1/4 of that best decade for compound growth ain’t bad
Wooo that’s awesome!
Keep ‘em coming Caleb. Don’t let this algorithm pump go to waste! Love your content!
Now I can eat my brunch in peace. These daily/semi-daily videos are great Caleb! Keep up the good work!
Can’t wait to celebrate when you hit a million subscribers! You should do a special episode each time you hit a milestone! Like a financial audit of your spending or getting a celebrity to do a financial audit.
I love hearing all the excuses because it makes me more self aware when i make them
Love watching these videos and watch out for every new episode! So good to hear someone helping out others with finances when so many are uneducated in finances
It's stupid how excited I get for these videos.
Liking the video before even getting through the ads. I know it's gonna be quality content
People who open an account on Robin Hood and think they’ve saved for retirement remind me of people who think they can freelance as a professional photographer because they’ve taken pictures with their cell phone.
Love Caleb! I’m always an optimist but this one is difficult. I’m usually not too keen on this but the “ummms” has driven me crazy in this video
ummm same
Umms and like. Public speaking should be a requirement in school. I understand she's nervous, but there are more words to the English language besides like and literally.
😂thanks, I didn't know till you pointed it out. Now I'm focused on it!
Cheers for all of the great advice! This will be my most reckless $5 spent this month, I promise! ;)
Caleb, I LOVE THE content man keep it coming!!!!
Well done, dude. Love your videos, it really helps to plan for the future and gives great motivation to spend sustainably and put more to retirement. Keep it up!! 😊
Sometimes you need to be tough in order to get the severity of the situation across. I appreciate how brutally honest and correct Caleb is - I'm HERE for it :)
17 minutes and already 4.1K views.. you are killing it man!
Dude I can't stop watching your videos 😅😅 ,it's funny I get excited when new one comes out
Keeping grinding caleb! Love watching these every time them come out!
She said it, exactly what most people's problem is... poor planning... or just not planning at all.
It's just so funny watching Caleb's voice going up an octave every time he sees a credit card statement, probably to be consistent with his blood pressure.
Im so glad i found this channel via tiktok, i know what i need to do but this is motivation and good info to kickstart me into actually doing it!
Day off, breakfast ready and new video from Caleb. Hell yeah.
Congratulations on 500k subs Caleb! Your videos have legitimately changed my life.
Thank you so much for what you do. This channel has honestly inspired me to get my shit together.
It's crazy how fast Caleb has grown. I found him back in January when he had only 50K subscribers. Keep it up!
I'm in a relationship myself, and outside of that have been relatively friendless my entire life. I take a $20/ month fencing class and go fishing on my days off, both very inexpensive things to do, and take walks on the days that I work. There are definitely things to do when you are alone for cheap, and with people where you can potentially make new friends. Just saying, shopping isn't the way to go to get out of the house.
What a wonderful and honest woman. We all get into struggles but even though you could see the pain on her face, she stood strong facing her issues head on. I love seeing people like this. It’s a beautiful quality to have being able to own up to your mistakes. She’ll get through and do well I’m sure.
Nice to see a positive comment about the guest! Agree 👏🏽
Agreed! She didn't have a bunch of excuses, and seemed willing to listen and change. I hope she does great in the future!
Agreed, but I could have used 1/1000th as many "likes" and "ums." It's basically every other word in her vocabulary. It's obnoxious.
Watching her do mental gymnastics to obfuscate what were needs vs. wants was amazing. Got the impression that her ability to use smoke and mirrors isn't as good as she thinks.
We're not going out to ear cuz We're tired! I need to hear this everyday!
Also being in her job industry, she will easily increase her salary 50-150% in the next 5 years if she continues on the path. No more credit cards + paying off debt consistently and shes going to be ok.
I was jusssst about to buy some things I don’t need but this video started playing and I was like NVM 😂 Do it for Caleb!! Do it for YOU!!
🤣🤣🤣
I don't know if i have much hope for her. She was giving a lot of excuses but i think she believes they were valid reasons instead.
Caleb- you are so patient! Listening to excuses all day everyday would get old.
Insane upload consistency take my subscription