The post-show was very very very awkward lol. I was not happy with her AT ALL and I wanted to leave, but I stuck around for our members ❤ ua-cam.com/channels/Le_q9axMaeTbjN0hy1Z9xA.htmljoin
Common things I see in Caleb's videos: 1) Bought a car they can't afford 2) Went to college and didn't finish 3) Have family members that are taking advantage of them/they are taking advantage of family members 4) Claim to have some sort of mental illness 5) Blame every single bad decision they've willingly made on life circumstances and forces external to themselves.
It sounded like her car was a normal car loan in the beginning…But then she some how took a loan out against her car…Now she owes like 22k on a car that’s worth 8k 🤦♂️ I still don’t fully understand what the hell she did 🤦♂️
@@urmommabear5monthsago Klarna offers financing options with interest rates ranging from 0% to 29.99%. The standard interest rate for Klarna's Buy Now/Pay Later (BNPL) loans is 19.99%, and late payments may incur a $35 fee. However, installment purchases below $25 do not incur a fee if a payment is late. Late fees for purchases above $25 are tiered, and will not exceed 25% of your order value.
I’m 30 and have never had an emergency fund since watching Caleb 4 months ago iv payed off 2 credit cards a personal loan, started putting money in retirement and have almost 5k in emergency fund savings!! Caleb is the man 🙏
Lol I had one for 4 years never used it figured I could go 4 months with out it and used it as part of my down payment on my house two weeks ago... this week I took my car in for an oil change guess who needs 3k worth of work done on their car... but when every i watch an episode I pay off my credit card balance...
The mental illness thing is killed me, frequent urination and asthma (oh and allergies...). It's a slap in the face of anyone that suffers from seriously debilitating mental condition, just to avoid responsibility for your situation.
Honey that’s just gen z they somehow all are “neurodivergent” (which we all are to an extent) , have add/adhd, have anxiety or are depressed. It’s trivializing people who have mental illness(I have bipolar 1) because they treat it like a popular accessory. And the second thing they get reprimanded or disciplined they pretend to be oppressed and that they’re treated unfairly bc of their mental illness. This young generation will dodge accountability like an Olympia. Trust me I’m a gen xer with gen z kids and it drives me NUTS. Not to mention the majority of them are self diagnosed based on social media and believes their symptoms line up with a google search
I’m in the mental health field, no, flat out no, she literally is a nightmare spender and impulsive. That’s a symptom of mental illness, she literally has evidence of illness
i have bipolar disorder, and impulse buying is a huge hurdle for those with that mental disorder. i suffered with the inability to control my spending habits, and every time i went on a spree, i never felt good about it. it took lots of therapy and a lot of mental work but i dont impulse buy (as bad anymore). it always makes me roll my eyes when i hear anyone use mental illness as an excuse. its usually a good indicator for me to know they are either faking it or they do have the mental illness but they arent suffering that bad with it because its easy for them to use as a response for being attacked. being bipolar sucks so much and i never wanted to be an excuse for my actions. it takes way harder work to right wrongs with a mental disorder but its not impossible like some people make it out to be
Seems like in the US people get fired over little things. They could have easily talked to her and find a solution for her situation. But she's replacable, so they just fired her. But then again: we don't see the whole picture.
@@PCLHH Getting fired over being insubordinate to your employer is not a small thing. Most states are also at-will which means they can fire you at any time for any reason (unless it’s discrimination). Most corporations will not do this though and will in fact build a case against you so it’s easier for HR to terminate you/to cover their asses. I’m not sure it’s wise to act like you’re aware of US employment laws when you are clearly not even a worker in the US. Workers’ rights are important, but if you refuse to listen to your boss when your boss is telling you to do your job, why keep you?
I wish you could meet some of the Muppets that I work with. They just randomly proclaim that they're not doing things, for no apparent reason, either it's too hard or a waste of their time (to them), but they're skilled labour so they get a little wiggle room
It started with a 13 interest on her only mode of transportation to get to work that went from 13 to 29 and went about 1.2 to 2.5 times upside down all because she needed money. The math ain’t mathing.
@@justjill2896 she said it was because she was unemployed but she got 6k from her unemployer ( 3 months wages) refinanced her car for an additional 8k and took out a 6.1k loan for the time she was unemployed. She also had a job that she quit coz of ideological differences but wouldn't consider other offers while on that job coz...reasons????
These people are getting rawdogged harder by creditors than by the government. It is a sad state of affairs. These people aren't just ignorant, they are brainwashed into believing that they have been given financial freedom, rather than being sold, by a lie, into financial slavery. They should at least have to pass a free mandatory course, paid as reparations by these wallet rapists. They already get a few percent off the top of most consumer transactions due to fees, if they are going to roleplay as the government, they might as well have some responsibility for their actions as well.
I can see why Caleb hesitated to put this one out. I spit my coffee out (literally) when he told her straight up to STFU. While I get why he was frustrated, it was a bit too far - he let her get to him. I think this was learning for both bc what you said is 100% true - if/when he realized he was the first one to ever call her out on her BS, then that might be the point to stop and breathe (and then decide if or how to proceed).
Her provocatively strange outfit for a financial audit is laughable. I get the feeling that she was cloistered as a child, coddled into twenties, then cut loose by frustrated parents. I can't stand her and I've only been listening for ten minutes. She needs a non-remote job with her language abilities, yet in-person she doesn't seem to connect
As a teacher I can only say that I feel like half my students act like that. Nothing is their fault. Didn’t do homework? Somehow my fault. Bad exam? My fault, obviously… Late to class? School‘s fault cause the bell didn’t ring, which is BS. It is soooo draining
I work at a middle/high school as support staff. When I was coming out of high school I wanted to teach math in high school. Now, having worked here for a couple of years, I realize that about 50% of that job is babysitting, not teaching, and I am so glad I'm not doing it and I feel for you very much. (I taught classes at a college and it's not even remotely close because if those kids don't do it that's that: they're adults and 18, parents want to call and complain? Suck it talk to them why they messed up. Also don't need a teaching degree/cert for that either which is another problem but yeah). Good luck.
Thanks to Caleb, my husband and I are about to be debt free in a month and a half! This channel seriously saved us from living a life like our parents. $30k of debt paid off and gone in just over a year and a half.
Yes!!! Congrats!!! Bc of Caleb's channel i went from only having a few hundred in emergency savings to a few thousand in less than half a year. Idk how much he realizes how watching him gives people second hand advice. I never really thought about how much i was spending until i heard him yelling at people and i looked at my bank account and realized he wouldve yelled at me too LOL
Caleb's producers, suggestions to make this easier for guests: 1) Have them bring their most recent tax return. This is easy for tjem to get (its on TurboTax or whatever) and will answer a lot of questions, like what their income actually is like, student loans, marital status, and if theyre even paying taxes. 2) Make a dorky one-page outline of what Caleb will talk about. 3) Make it very clear on that outline that this isnt a charity. A few of the guests critical of Caleb seemed to mistakenly think he would bail them out of their debt. P.S. Look for guests in nearby retirement communities, post-incarceration help programs, and addiction recovery rehab programs. These would not only be interesting to see, these folks are generally *genuinely* looking for help vs just clout and, due to their circumstances, are used to talking about how they ended up where they did.
Hi Caleb, You know, I am French (I live in Paris), and your videos popped up on my feed one day (and I became an addict haha). Of course the financial situation of someone in Paris is really different, because of the free healthcare , pubic transportation etc. But I took a serious look at my situation, and I just imagine you and your team getting angry at my expenses. I started a new emergency fund, because the last one was stolen by scammers. I am waiting for the 6-month living expenses to begin to invest or to buy an appartment. I paid my only credit (22.59%, don't scream). I meal prep, and I became better at cooking. I find free (or not expensive) entertainment, and I find myself happier doing so. So thank you, thank you to your team, thank you for your show. You all impact lives, even on another continent :)
Probably lack of self awareness? Some people, those that turn out to be decent, those that come to learn, that take notes probably know exactly what they will probably hear. Then there are people like this.. I imagine, without having a friend who is an accountant, that this kind of financial advice, where they actually go through all your bank statements, expences, influx of money.. would be pricey, right?
I’ll say what we’re all thinking- calling yourself disabled for “overactive bladder” and allergies is wilddddd. People out here deal with serious shit and can still hold down a job.
I don't think "overactive bladder" and allergies are her biggest disabilities. That is nothing compared to the cranial vacuum. I kept watching for her head to implode.
I have allergies and I teach my accommodation is that I don’t do outside supervision ( I do lunch supervision)The accommodations matches the disability and you are expected to still do your job.
Someone tell this girl we don't measure the "worst" by their debt, but by how willing and able they are to fix their situation. She is one of the worst.
As someone who has managed call centers for close to 15 years, this type of employee is exactly why so many call centers have to take crazy steps to ensure staff stays working. People show you who they are very quickly and who they are early on is generally their best impression. She immediately said she wasn’t following the rules with the headset and that doesn’t matter because they didn’t know. There are terrible managers in call centers (and in every other industry) but employer/employee relationships are a 2 way street. You work with your employer and they’ll make the attempt to work with you on where they can. Nothing is guaranteed.
She won’t let you get through the document deliberately. She wants to make herself look better by interrupting you with excuses but all this makes herself look worse.
She has a physical disability BUT she can go to the gym, hike and bike....so her over active bladder and asthma aren't issues under those circumstances????????
@@Margatatials how about hiking and biking? I doubt she goes to the loo 10 times an hour. These aren't moderate physical activities. Having a desk job is extremely sedentary.
I was raised by my grandmother no parents no guidance nobody taught me or told me a damn thing except how to survive. I figured it TF out. Accept your mistakes and do better.
That is fine and dandy for those of us who could figure it out, but perhaps compassion works better than gloating about how much adversity you personally had to overcome. Just an idea, food for thought.
Her explanation didn’t even make sense on its face. Assuming she has to get up to pee every 30 minutes, she would turn her camera off for 2 minutes while she pees, then for the other 28 minutes she would be right back in front of the camera.
@@TonyCox1351 Ong if I’m working at home and don’t have to worry about embarrassing myself I would just have a jug or something near me if it’s an every 30 min kinda problem
Man if I was at the point where I needed to take out loans to pay my rent, then I'm heading straight for the nearest Target/Starbucks/fast food restaurant and taking whatever job is available.
That's one of the ways a lot of people fail. They think that they have to hold out for a job in their field and at their last salary. Then they find themselves in a financial hole with a big gap in their CV/résumé. My husband and I have both faced redundancy, both lined something temporary so we never missed a pay period, both bounced from job to job until the right job came along. The result is that we've never been late on a bill payment, both improved our salaries above inflation, both in jobs with more perks than the original jobs we had and neither of us have any fear of being made redundant because we know we'll just get another job if we need to.
Yes, I agree!! You can be freaking Einstein, but you’re never “above” an honest job. My dad was a very experienced IT professional; when business got tough he went to hauling boxes for UPS in order to provide for us. For that I consider him a king 👑
Y'all PLEASE notify your employer of your disability if it prevents you from doing core functions of your job and ask for a reasonable accommodation. They don't have to provide the exact thing you ask for if it would cause a hardship on the business, but they have to provide something reasonable. If they don't provide it, document that and go from there. If you told them about your disability and you get discriminated, document that. But if they fire you for a reason related to a disability they didn't know about, then it's going to be harder to defend yourself.
Yes absolutely!! So many people don’t know that requesting valid accommodations is something that every job will provide within reason. She said when she applied she mentioned her disability, employer should have discussed it in private with her supervisor.
@@anabrr1123 Not true at all, just because she disclosed it on the application means absolutely nothing other than to alert them that they may need to make accommodations. She would have, while doing employment paperwork, needed to let that person know that she wants to file an accommodation request, which is filed, and maintained through laws around the ADA.
@@JasonGroomAs with everything with this woman, she didn’t talk to her manager and tell them what she needed. She then blames them for firing her. She sounds like a nightmare employee. And overactive bladder is not a disability.
Relatable as heck!! At this point I’m thinking the baristas at my local coffee shop are wondering what happened to me… little do they know whenever I walk by the shop I hear Caleb screaming “TAQUITOS!!!” and speed walk home 😂
Same here. At 40 something, I feel so far behind on my investments and retirement funds. Then....I watch episodes like this and remember there are Americans out there who possess neither of these things.
It's what's needed tbh. Id say alot of financial advisors would just let these people continue on and try be maybe diplomatic about it. But because they are being payed they most likely won't shout at their client lol
The parent blaming is beyond me i never expected anything from them my parents had a very poor upbringing so i knew to google,ask watch learn but to FIGURE IT OUT
most people just uncritically do what their elders tell them to do, you can blame them all you want, but that is just their reality they just wander around using up oxygen and believing shit without questioning anything
Just used my bonus this year and a week’s worth of cashed-out PTO to pay off my CC with $10,400 at 35.5% interest 🎉 really thought about using the bonus for a vacation, but this show inspired me and my wife to do what needed to be done. Thanks, Finance Daddy 💪
Hard and fast rule for life. “I didnt know. No one taught me.” Is not a get out of jail free card for things you are responsible for in life. It is your responsibility to figure it out and learn that information even if no one taught you in the past
That's only partly true. How are you supposed to look up something you didnt know existed or was possible? I am very critical of this girl and most people who say that, but even I admit that there were things I had to learn the hard way cause I really didnt have anyone teach me and I didnt know they existed.
@@dremewhite5209It’s not worth it. Any individual Mexican food truck or place will put it to shame. It’s consistent and fast, those are its most alluring qualities.
“Well your the one who got fired soo” hahaha bro that was sooo fuckkng good I love how you much harder you’ve gone tired of people bs I’d love a financial audit done by you bro!
I “manifested” a financial man to post a financial audit video at 11AM today. If you’re a true fan of this channel, you know which audit video this came from hahah
Caleb had a way more mellow reaction to her paying $6,000 for a DOG than i would have managed to have, especially at this point in the conversation. Good lord.
I haven't gotten that far into the episode yet; so i want to take a guess at it and see if i guess correctly. . . 20:04 (my current time stamp) Survey says! : Is it a French Bulldog?
@@fitzgeraldfilmsMN the cost of owning a pet vs the cost of having a child (both mentally and physically) is *orders of magnitude* different, how could you not fathom that?? having a child while 50k in debt is a MONUMENTALLY worse decision than buying a pet in that same situation.
@@rumbleizerbecause one is something that naturally happens with life and the other is a want commodity. I personally think debt shouldn’t stop people from having babies, but also should be fiscally responsible within that financial situation to make sure to provide for said family. I had a baby with 50k in debt but I also made sure to work a ton and provide and have my income and spending at a good amount. I think people without babies like Caleb think they have to be money puts and they don’t have to. I see people spend about the same on a big dog as a baby.
Those aren’t disabilities. Even in an employee-friendly state like California, those are not protected categories. She would have to have a medical exemption note and get that submitted to HR before she starts her job. Even at that, it would be difficult to get that situated and confirm she cannot perform her job as directed. What she mentions of saying “yes” to the questionnaire of “do you have a disability” that’s just for demographic purposes. That is not a disclosure. That gets accounted anonymously by most HR systems.
@@26Scored unironically if you had bad enough asthma you could make a pretty solid case to an employer as to why you should be able to park closer to the building
Asthma is covered under ADA. Obviously severity matters, especially when it comes to something like social security benefits for it. And medical documentation, of course, matters if you want/need employment accommodations. I think allergies are sometimes considered a disability too, but I’m not sure what types or level of severity
Caleb's conversation reminds me of many I had when I was a police officer. You quickly realize the person you are speaking with doesn't navigate the world the way any sane person does. They are seeking help with a symptom of a much larger problem they are unwilling to confront. I really don't care for Dave Ramsey's advice. However, she is the perfect person for his advice. She can't handle responsibility. She can't "manage" anything. She has to take a position of avoidance. Avoid debt, loans, multi-dimensional thinking etc...She has the mental acuity of a hamster.
@@justinkaufman495 it’s like Afterpay . something that you pay an installments for example if the total is $500 she could pay it in four instalments of 125$ aka she doesn’t have the money for it now so she pays it off little by a little every week
Grew up in Laredo, went to university for a year there, the bus was very very VERY active, ESPECIALLY in regards to getting to the university and the community college
I'd like to see the occasional audit of someone who recently finished getting out of debt and is working towards building their various funds and making decisions on how to use their money. I like the train wrecks but seeing success once in awhile would be fun too.
Well I think that's what the follow up episodes are supposed to eventually be, but it takes time for people to get there and a lot of people don't make it.
I’ve thought this too, but he also can’t legally give investment advice so it could get tricky when it comes to that. I think that if someone came on and got themselves out of debt, he could still audit their finances and see where their spending is going out of control and catch things.
I’m a bit older than most of the show participants, and I’m financially stable. I’ve often thought of contacting Caleb and discussing being on the program-BUT, then I realized that I really don’t want the violation of my privacy. I don’t want or need my face and personal info all over the internet. I’m wondering if this isn’t a common feeling amongst most of us older folks. I mean, I feel like I could contribute to the show in a meaningful way, but I just can’t get past needing to actually put myself on camera. I feel like the younger people just don’t mind as much.
@VexylObby I think the main problem is that she didn't want to listen/admit fault for what she did. It usually was her parents' fault from what she had said. I give some leeway since who knows what was being said pre-show.
28:40 - caleb, im being genuine here - thank you so very much for picking up the pen and showing it. I love stationary and also have OCD so i would honestly have SUFFERED had you not done that. Another reason to love youuuu as an influencer!!
It's that sometimes, you're organized because of how bad your finances are, you're trying to get better so you get organized vut it takes time to get better financially
School counselor here. Thank you so much for giving us a shout out!! I hope this spreads the word so we can help more students find the resources they need to be successful!🤩💖
@@Riggy931that’s why we watch Caleb. The screaming, the yelling, the pounding his calculator. Nobody wants to see crusty ass Jerry up there doing financial audits 😂
Getting a dog for $6k is wild. Like it’s one thing if you have the money (ig) but for most people I don’t understand why shelter pets aren’t an option to them. Like so many people never even consider adopting a dog for like $2-500 but will drop $5k+ on a bred dog who they won’t use for their intended job 😭
So there are lots of dogs that are great to pick up from a shelter! However, just from experience, not everyone is prepared to deal with the needs of a dog with previous owners, especially if that dog has trauma. The other benefit of getting a puppy that's bred is that you can train it yourself to be used to your environment. Of course, lots of people aren't prepared to do that either. Personally, I like shelter dogs, but they also have different needs. But some people do, as you said, have a weird idea that they NEED a bred dog.
I paid 120 dollars on Spectre's adoption fee and he was overpriced, lol. I love my big old goofball. I'll probably never buy from a breeder when there are rescues and shelters.
Donno how it is in the US but here in germany its harder to get a shelter dog than just to buy one from the breeder as the shelter comes to check if you can take care of the dog, or for more complicated ones that you have enough experience to make sure it does not come back or lives in bad conditions. Breeder be like "gimme money i give dog, no checks required"
My mom is literally epileptic and works as an ER nurse still and has tried to go back on shift after having a seizure and recovering during, I am absolutely stunned someone can actually make so many excuses but then at the same time have NEVER told their employer until it was brought up???
I’ve been watching Caleb for the last several weeks! I’m currently self employed Stay at home mom. I had $5600 in credit card debt with interest so high I could never out run it! And $0 in savings. Thanks to these videos it gave me a huge reality check and today I paid off my all my credit cards (3) opened an hysa, and put aside $2,600 to start into that emergency fund!
This is exactly how I feel! I’m a single mom and I’ve done very little to save due to circumstances, but also my own stupidity in not being financially responsible. I’ve started a college fund for my son, working on emergency fund, and trying to tackle student loans! This comment was so inspiring. So proud of you mama!!
This will probably get lost in the comments, but ever since I started watching Caleb's videos Ive managed to pay off 2 credit cards, reduce my mortgage by almost 30k, save a 12 month emergency fund, and regrow my entire foreskin. Thank you so much for all that you do!!
Having pets is a luxury, not a right. And if you can't take care of them when they need care, or have to take out a loan to cover any adoption or purchase costs, you should not have a pet.
Single mom here! Been watching you for a year and have been able to save up 10k emergency fund! My son and I have been living more internationally not only without time but our $$$$. Thanks for keeping it real and always recommending services that have genuinely helped you.
As someone who has chronic asthma and allergies ( I get shots weekly and a biologic monthly), other than turning the camera off for sneezes, asthma isn't a reason to not have it on
Hey Caleb! Found you last year and have watched every video so far! With the help of your videos, I have gotten out of $13,000 of bad credit card debt, and my bad interest car will be paid off in July (3 years early!) Raised my Roth 401k contributions to 10%, made a budget i stick to, and currently working on my 6 month emergency fund. I have gotten my two best friends watching you now and they are starting to take their finances more seriously. Thank you so much for what you do, you helped me accomplish debt freedom as I'm sure you did with so many others.
Amazing! keep grinding! I too share his channel with everyone I know. it literally has something for everyone whether that be advice or entertainment it will help anyone out there.
Good on Caleb. He made a mistake on the interpretation of the statements late payment amount and owned up to it. A great lesson for this girl. Take ownership of your mistakes and work to correct them instead of crying victim.
If you have a disability, you’re required to have reasonable accommodations filled out. Your employer will not accept the fact that you just simply have a disability without having reasonable accommodation papers filled out by you, your doctor, and being submitted to your employer, your disability needs don’t count.
Absolutely. It’s really insulting to actual people with disabilities to say an overactive bladder and allergies are disabilities. People saying stupid things like this make it harder for people with disabilities to be taken seriously.
Also Asthma isn’t a disability, yes it can be debilitating, but sitting at home being a callcenter rep hopefully isn’t going to trigger it unless you are actually disabled.
Surprisingly here, a lot of places don't want to accommodate, or try to accommodate, they'll accept you knowing you're disabled or have disabilities and treat you normally. They also don't ask for paperwork here surprisingly 💀
It completely depends on the severity. But, yeah, there’s no evidence whatsoever here that she has a severe case that prevents her from doing things. Especially given the fact that she said she enjoys hiking and cycling, and Caleb said she has 1000 gym memberships. And she worked at a call center where she presumably spoke on the phone all day.
At least in disclosures I've done when filling out employment forms, asthma is on the list. You can say you have a disability but don't have to disclose which one. But she sounds like she didn't disclose anything before. Just from her attitude I could guess she's not the person who's a good co-worker.
She buys dogs for thousands, pays bills with borrowed money & wants to use student loans to pay debts, takes no accountability. I just don't relate to this attitude at all. I wish there were guests that were more open to change or feedback. She needs help but doesn't want any.
Unfortunately, Caleb has said before that those audits don't generate as many views to the channel as these train wrecks do. I've contemplated signing up to go on the show because I feel like I'm about a 4.5-5 (the score online says 6, which seems high) on his score card, but then I realize there isn't much unique about my situation which he hasn't already said a million times and I'm far too willing to own my mistakes and not make excuses. As the French say: "C'est la vie!"
@@Whiskey11GamingI feel like anyone can learn from any situation no matter how far out there it is or small it is. I’d love to see people who will actually listen and take advice. Bc not everyone is bad with their finances. But would just like help on what they could do better with.
This is the video that finally broke me. I became a member to see the shit-show of this post-show. But I promise, it's coming out of my subscription/media budget.
My husband and I are in a significant amount of debt from dumb choices in our 20s. We both just got second jobs to work our butts off, and we will be debt free in a year!
@@Bobbyboiii_ thank you! Family and friends don’t understand, I’m a teacher and they think I “work enough”. Which I do, but I’d rather sacrifice now than take 10 years to be debt free!
Over active bladder is NOT a disability. It’s a medical condition. And, you also have to disclose your disability to your employers if you want an accommodation. If the employer can reasonably make accommodations, they are required to do so.
Caleb, I saw your community post about this episode. I will say… you were really harsh on her but I do understand it. This whole episode was very frustrating even as a viewer. Let alone being there in the moment. It says a lot about you that you included things in this that you could have edited out to look better but you left them in. I appreciate that you are yourself and have humility.
This girl is just full of excuses and doesn't give a shit. Caleb comes off as a piece of shit because she has the mindset of a toddler. Honestly, Caleb should allow himself to actually kick people off the show, maybe 1 or 2 times a month. People as hopeless and selfish as this deserve to be kicked off. This girl worked for a remote call center, was fired for turning off her camera and not working, trying to use "disabilities" as an excuse. Overactive bladder is not a disability thar prevents you for working. If you need to go to the bathroom often you just go ro the bathroom and cone back. Sounds like she was turning off her camera and not working. Then couldn't apply to some of the thousands of other call centers? She's honestly pathetic and will not succeed in life.
A big thanks from across the pond... Due to a combination of reasons (mainly returning home after many years abroad during covid so the loan was basics to have me stand on my feet as a fresh start), I was in a situation, where I had a load to pay, a Credit card and was unable to save anything. Your chat did make me wake up from my coma I started slowly with an Excel sheet and a plan to get out of these payments and transform them into savings for me and not the bank.. The Excel was a great way to check how much was paid and how much was left.. The visualisation was indeed a motivation (2023). I took that second-weekend job for 10 months... The credit card was paid off and then cancelled, The small loan was paid off and the extra money allows me to pay off the main loan faster, so looking forward to the end of this year...
Caleb has helped inspire me to actually do better with my finances. Because of his guilt trip and facts weve paid off over 5% of our debt and are getting better every payday
She was so bad. To give you a little light note after this audit Caleb, I, myself have 2 credit cards. One has a $45 balance the other has a 0 balance. (I despise interest, unless I'm making it) Me and my wife are making double mortgage payments and will have the house paid off in 6 years, and we have an emergency fund that would last us 1 1/2 years the way our lifestyle spending does us barring major disaster. Oh, and my wife introduced me to an envelope challenge. $1-$100 sequentially, We figured if we did that 3 times a year during the same time paying off the house, we will end up with an extra $91k. Not to mention investments, pension, 457b and pure savings. I regret to inform you sir, that we will not need an audit from your organization. I however will subscribe for the entertainment value.
The headset bit was wild. Companies want agents at their desk for obvious reasons. On top of that the people I talk to that have the most audio issues are on a wireless headset. From a company headset a wired headset keeps you at your desk and gives the best chance for good audio quality.
@@piepiepie57 An expensive wireless headset is perfectly fine. Many cheap wireless headsets are not fine. Many cheap wired headsets are acceptable... until the wires wear out or break internally.
@@piepiepie57 100% I worked at call center ...the hardwired headsets definitely sounded way worse than the wireless headset I had for my personal use...wasn't even close lol
It might be a security issue. I worked from home for a few years, my employer used VPN and phones hardwired to the laptop. Ditto with the printer..had to be hardwired.
I snorted laugh so loudly when you made the anakin slaughtering younglings line, it was even funnier when she didn’t have a clue what you were talking about 😂
The post-show was very very very awkward lol. I was not happy with her AT ALL and I wanted to leave, but I stuck around for our members ❤ ua-cam.com/channels/Le_q9axMaeTbjN0hy1Z9xA.htmljoin
You're a real trooper, that you are. Less than 10 minutes in, I can already immediately tell this guest is delulu.
You kept a cooler head than i would have during this whole shitstorm. Good job Caleb, keep up the great work!!
"HUH" hUh!!! I cant stand this lady and im only minutes in
My therapist brain is so excited for this one! I feel like I start diagnosing like 10 minutes in a lot of the time..whoops
Caleb don't order 66.
Common things I see in Caleb's videos:
1) Bought a car they can't afford
2) Went to college and didn't finish
3) Have family members that are taking advantage of them/they are taking advantage of family members
4) Claim to have some sort of mental illness
5) Blame every single bad decision they've willingly made on life circumstances and forces external to themselves.
9) Won't follow Caleb's plan to the T.
Refuse to go get ANY job that will pay them money. The entitlement is staggering.
7) Bad at math 😂
this should be made into a bingo board 😂
It sounded like her car was a normal car loan in the beginning…But then she some how took a loan out against her car…Now she owes like 22k on a car that’s worth 8k 🤦♂️
I still don’t fully understand what the hell she did 🤦♂️
Oh no Caleb you didn’t just jump in the beginning. You threw us in. It was cold and there were sharks. 29% interest sharks.
i heard that and thought "shit it might as well be a credit card. I think my verizon card has better rates."
Imma pat the sharks.
@@leohughes6921i pay 11% on my barclaycard in the UK.
😂 winning comment!
My credit card is 12.9%@@leohughes6921
“I can admit when I’m wrong” *proceeds to never admit when she’s wrong*
Classic narcissist trope.
Ever watch a dating coach on UA-cam….? 🙄
At 14:08 yes she says that as she shakes her head no!
She's giving excuses, not *reasons* .. With no accountability, no change
ikr she needs to take accountability for just thinking like damn
My HVAC broke last week and I was able to replace it with my emergency fund instead of financing it! 🎉
Proud of you!!
Good for you!
🎉🎉🎉
Hell yeah
You had a hell of a fund, good for you
“I Klarna’d SHEIN” is a pure nightmare statement. Can’t afford to pay fast fashion in full. Bad all around.
That's like one step above financing a pizza delivery. Just next level dumb.
Does Klarna charge interest? They advertise they don’t
@@urmommabear5monthsago Klarna offers financing options with interest rates ranging from 0% to 29.99%. The standard interest rate for Klarna's Buy Now/Pay Later (BNPL) loans is 19.99%, and late payments may incur a $35 fee. However, installment purchases below $25 do not incur a fee if a payment is late. Late fees for purchases above $25 are tiered, and will not exceed 25% of your order value.
They do charge interest. It just depends on how big your purchase amount is.
@@mariortiz2547 oh I don’t know much about it. Thanks
I’m 30 and have never had an emergency fund since watching Caleb 4 months ago iv payed off 2 credit cards a personal loan, started putting money in retirement and have almost 5k in emergency fund savings!! Caleb is the man 🙏
You the man J! Keep it up, and start looking into a high yield savings account. You got this!!!
@@scorpionflame101already on it! Got my emergency fund in Sofi! Making that interest on my moniiieees😁
Lol I had one for 4 years never used it figured I could go 4 months with out it and used it as part of my down payment on my house two weeks ago... this week I took my car in for an oil change guess who needs 3k worth of work done on their car... but when every i watch an episode I pay off my credit card balance...
You got this!! 😊😊
That’s a lot for four months dude good on you
The girl is the definition of “sign everything, read nothing.”
She knows just enough to screw herself over... and that knowledge is how to write her own name.
PLEASE
Provide Legal Exculpation And Sign Everything
@@whaddup691 HIMYM!
@@michaelnguyen3461 That reference is Legen.......... wait for it
Dairy
The mental illness thing is killed me, frequent urination and asthma (oh and allergies...). It's a slap in the face of anyone that suffers from seriously debilitating mental condition, just to avoid responsibility for your situation.
Honey that’s just gen z they somehow all are “neurodivergent” (which we all are to an extent) , have add/adhd, have anxiety or are depressed. It’s trivializing people who have mental illness(I have bipolar 1) because they treat it like a popular accessory. And the second thing they get reprimanded or disciplined they pretend to be oppressed and that they’re treated unfairly bc of their mental illness. This young generation will dodge accountability like an Olympia. Trust me I’m a gen xer with gen z kids and it drives me NUTS. Not to mention the majority of them are self diagnosed based on social media and believes their symptoms line up with a google search
I’m in the mental health field, no, flat out no, she literally is a nightmare spender and impulsive. That’s a symptom of mental illness, she literally has evidence of illness
I agree it's not a good reason for working poorly, but tbf she called it a "handicap"
Yeah that was complete bullshit. Just so many excuses
i have bipolar disorder, and impulse buying is a huge hurdle for those with that mental disorder. i suffered with the inability to control my spending habits, and every time i went on a spree, i never felt good about it. it took lots of therapy and a lot of mental work but i dont impulse buy (as bad anymore). it always makes me roll my eyes when i hear anyone use mental illness as an excuse. its usually a good indicator for me to know they are either faking it or they do have the mental illness but they arent suffering that bad with it because its easy for them to use as a response for being attacked. being bipolar sucks so much and i never wanted to be an excuse for my actions. it takes way harder work to right wrongs with a mental disorder but its not impossible like some people make it out to be
"my show, my rules"
She got fired because she didn't understand that concept.
Seems like in the US people get fired over little things. They could have easily talked to her and find a solution for her situation. But she's replacable, so they just fired her. But then again: we don't see the whole picture.
@@PCLHH Getting fired over being insubordinate to your employer is not a small thing. Most states are also at-will which means they can fire you at any time for any reason (unless it’s discrimination). Most corporations will not do this though and will in fact build a case against you so it’s easier for HR to terminate you/to cover their asses. I’m not sure it’s wise to act like you’re aware of US employment laws when you are clearly not even a worker in the US.
Workers’ rights are important, but if you refuse to listen to your boss when your boss is telling you to do your job, why keep you?
I wish you could meet some of the Muppets that I work with. They just randomly proclaim that they're not doing things, for no apparent reason, either it's too hard or a waste of their time (to them), but they're skilled labour so they get a little wiggle room
@PCLHH she said they did talk to her multiple times
“My show, my rules” is the best thing I’ve heard all day lol
I can’t believe an hour long episode started with 29% interest debt and got nothing but worse
I vote we make your commemt the episode title. "Started at 29% interest and got nothing but worse". Facts.
It started with a 13 interest on her only mode of transportation to get to work that went from 13 to 29 and went about 1.2 to 2.5 times upside down all because she needed money.
The math ain’t mathing.
@@justjill2896 she said it was because she was unemployed but she got 6k from her unemployer ( 3 months wages) refinanced her car for an additional 8k and took out a 6.1k loan for the time she was unemployed. She also had a job that she quit coz of ideological differences but wouldn't consider other offers while on that job coz...reasons????
"Which" 29% Debt
These people are getting rawdogged harder by creditors than by the government. It is a sad state of affairs. These people aren't just ignorant, they are brainwashed into believing that they have been given financial freedom, rather than being sold, by a lie, into financial slavery. They should at least have to pass a free mandatory course, paid as reparations by these wallet rapists. They already get a few percent off the top of most consumer transactions due to fees, if they are going to roleplay as the government, they might as well have some responsibility for their actions as well.
I imagine that Caleb yelling at her for being irresponsible is the first time she’s ever been called out in her life.
Yup probably why she felt the need to be so defensive and interrupt every five seconds
100000% She even admitted to that in the episode! Wild, actually. I hope this experience knocked even the slightest bit of sense into her.
She’s not even pretty enough to have that sense of entitlement.
I can see why Caleb hesitated to put this one out. I spit my coffee out (literally) when he told her straight up to STFU. While I get why he was frustrated, it was a bit too far - he let her get to him. I think this was learning for both bc what you said is 100% true - if/when he realized he was the first one to ever call her out on her BS, then that might be the point to stop and breathe (and then decide if or how to proceed).
Her provocatively strange outfit for a financial audit is laughable. I get the feeling that she was cloistered as a child, coddled into twenties, then cut loose by frustrated parents. I can't stand her and I've only been listening for ten minutes. She needs a non-remote job with her language abilities, yet in-person she doesn't seem to connect
As a teacher I can only say that I feel like half my students act like that. Nothing is their fault. Didn’t do homework? Somehow my fault. Bad exam? My fault, obviously… Late to class? School‘s fault cause the bell didn’t ring, which is BS.
It is soooo draining
I work at a middle/high school as support staff.
When I was coming out of high school I wanted to teach math in high school.
Now, having worked here for a couple of years, I realize that about 50% of that job is babysitting, not teaching, and I am so glad I'm not doing it and I feel for you very much.
(I taught classes at a college and it's not even remotely close because if those kids don't do it that's that: they're adults and 18, parents want to call and complain? Suck it talk to them why they messed up. Also don't need a teaching degree/cert for that either which is another problem but yeah).
Good luck.
I know grown adults that act like this.
theyre kids bruh
@@dddd-uk4vnentitled, spoiled kids
Blame the gentle parenting era. No discipline
Thanks to Caleb, my husband and I are about to be debt free in a month and a half! This channel seriously saved us from living a life like our parents. $30k of debt paid off and gone in just over a year and a half.
Go on the show!
It'd be interesting to see someone in the "after"
Sweet! This is inspiring. Hoping to pay off a bit less than $30k this next year..
Edit: Going to pay off the debt!
Yes!!! Congrats!!! Bc of Caleb's channel i went from only having a few hundred in emergency savings to a few thousand in less than half a year. Idk how much he realizes how watching him gives people second hand advice. I never really thought about how much i was spending until i heard him yelling at people and i looked at my bank account and realized he wouldve yelled at me too LOL
Same! It's not just financial wise but also i am a lot healthier now. No more fastfood for me
Were yall using his budget program or did you just use his advice
Caleb's producers, suggestions to make this easier for guests:
1) Have them bring their most recent tax return. This is easy for tjem to get (its on TurboTax or whatever) and will answer a lot of questions, like what their income actually is like, student loans, marital status, and if theyre even paying taxes.
2) Make a dorky one-page outline of what Caleb will talk about.
3) Make it very clear on that outline that this isnt a charity. A few of the guests critical of Caleb seemed to mistakenly think he would bail them out of their debt.
P.S. Look for guests in nearby retirement communities, post-incarceration help programs, and addiction recovery rehab programs. These would not only be interesting to see, these folks are generally *genuinely* looking for help vs just clout and, due to their circumstances, are used to talking about how they ended up where they did.
This is a great set of ideas, especially the places to look for new guests from
I love the guest suggestion!
Hammer Bingo. Caleb says "death". Caleb's voice squeaks. Caleb doesn't understand the euphemism.
Ask them at the beginning, “what do you want out of this?”
the suggestions are amazing, but you should also keep in mind that they bring guests who are just looking for clout on purpose many times.
Hi Caleb,
You know, I am French (I live in Paris), and your videos popped up on my feed one day (and I became an addict haha).
Of course the financial situation of someone in Paris is really different, because of the free healthcare , pubic transportation etc. But I took a serious look at my situation, and I just imagine you and your team getting angry at my expenses.
I started a new emergency fund, because the last one was stolen by scammers.
I am waiting for the 6-month living expenses to begin to invest or to buy an appartment.
I paid my only credit (22.59%, don't scream).
I meal prep, and I became better at cooking.
I find free (or not expensive) entertainment, and I find myself happier doing so.
So thank you, thank you to your team, thank you for your show.
You all impact lives, even on another continent :)
This made me so happy to read! Caleb does a lot of good with his show.
Congratulations!
It’s so cool to see something happy on the internet. Thanks for sharing your story:)
Je le suis aussi et je suis de Rennes
22.59??? Was that the interest rate????
The fact that it took them so long to get through anything because she's physically incapable of not making excuses for EVERYTHING is so exhausting
i was getting so irritated every time she went "Well-" "Yeah but-" "Okay but-" then insert excuse.. like girll stfuuu
Caleb getting mad is like the younglings in Star Wars. Neither gets old.
I was drinking coffee, damn it! 😂
Personally would like to see Caleb not as mad lol
@@HNCelica I'm shocked to hear he has a panic disorder lol
Ruthless lol
Brooooo😂🎉
Im really confused why people choose to go on this show KNOWING they’re going to be yelled at, and then get defensive when they get yelled at
I think half the guests lately haven’t really watched the show and are just looking for attention on UA-cam? Maybe?
Probably lack of self awareness?
Some people, those that turn out to be decent, those that come to learn, that take notes probably know exactly what they will probably hear. Then there are people like this..
I imagine, without having a friend who is an accountant, that this kind of financial advice, where they actually go through all your bank statements, expences, influx of money.. would be pricey, right?
one of the recent peoplel just said they saw him on tiktok and watched part of a show before applying lmao
Most people say theyve been watching then admit its like 1 episode.
They maybe be stupid but perhaps not as soft as you.
"I had no choice!" this woman's lack of awareness is painful.
victim mentality persons favorite vocabulary
The I had no choice is bs it’s so annoying
After watching so many of these I've come to realize being dumb is expensive.
@@shadowfox2120"you can't out earn stupid" - Dave Ramsey
Mocking the concept of Monks and minimalists was wild. I’m inspired by the quickness to call that out.
I’ll say what we’re all thinking- calling yourself disabled for “overactive bladder” and allergies is wilddddd. People out here deal with serious shit and can still hold down a job.
Yah I have urethral stricture diseases and have to self catheter daily and I don't even consider myself disabled.🤷♂️
Yupppp like I have a chronic auto immune illness anddiagnosed PTSD but I would never call myself disabled
It seems to be the younger generations like to claim disability whenever they don't want to work.
I don't think "overactive bladder" and allergies are her biggest disabilities. That is nothing compared to the cranial vacuum. I kept watching for her head to implode.
I have allergies and I teach my accommodation is that I don’t do outside supervision ( I do lunch supervision)The accommodations matches the disability and you are expected to still do your job.
Glad this channel exists. Opened my eyes to financial literacy and working on paying off credit cards and growing my emergency fund
Thank you so much!! Keep working it my dude
Awesome that you replied. Appreciate y'all!
@@CalebHammer Ya know i'm kinda glad too :)
Same fam
Yay!!
Someone tell this girl we don't measure the "worst" by their debt, but by how willing and able they are to fix their situation. She is one of the worst.
As someone who has managed call centers for close to 15 years, this type of employee is exactly why so many call centers have to take crazy steps to ensure staff stays working. People show you who they are very quickly and who they are early on is generally their best impression. She immediately said she wasn’t following the rules with the headset and that doesn’t matter because they didn’t know. There are terrible managers in call centers (and in every other industry) but employer/employee relationships are a 2 way street. You work with your employer and they’ll make the attempt to work with you on where they can. Nothing is guaranteed.
The amount of time she says "huh" in this. It's like she's more confused by her choices than he is, and Caleb is BAFFLED
It's not even confusion, she's so self-centered that literally everything going on around her is boring to her and she's just not paying attention.
@@adxmnt1926EXACTLY this
When people obviously hear the question, say "huh?" and then go straight into an answer, there's a good chance they're lying.
I went to school with people who sound just like her. The lazy tone, the condescension, it's so familiar. Just the worst type to interact with.
im beginning to think that the editors added those huh's
She won’t let you get through the document deliberately. She wants to make herself look better by interrupting you with excuses but all this makes herself look worse.
She has a physical disability BUT she can go to the gym, hike and bike....so her over active bladder and asthma aren't issues under those circumstances????????
Omg I was looking for this comment.
I dont see why the bladder would effect the gym, no one cares if you stop excersising to go to the loo every 5 minutes.
@@Margatatials how about hiking and biking? I doubt she goes to the loo 10 times an hour.
These aren't moderate physical activities. Having a desk job is extremely sedentary.
@@mariastathopoulos744 yeah that doesn't make sense, maybe she squats in the woods 🤣
@@Margatatials Because any kind of weight training, squats, crunches, or lunges could have very embarrassing consequences.
I was raised by my grandmother no parents no guidance nobody taught me or told me a damn thing except how to survive. I figured it TF out. Accept your mistakes and do better.
Same here. Had to fail and learn on my own. Point is - you make the changes and don’t keep screwing up!!
That is fine and dandy for those of us who could figure it out, but perhaps compassion works better than gloating about how much adversity you personally had to overcome. Just an idea, food for thought.
I'm impressed. Good for you.
The way she says “huh” in direct response to being called out throughout the episode is hysterical😂
It’s nuts 😂
She has never been held accountable, so she is genuinely confused.
It’s a common stall tactic. She knows exactly what was said, but doesn’t want to answer. 🙄
I don’t know why I really like her 😂
Also auditory processing disorder exists, but ya know...
She wasn't turning her webcam off for "disability reasons" She was probably just turning her webcam off and simply not working.
100%
No doubt in my mind
Her explanation didn’t even make sense on its face. Assuming she has to get up to pee every 30 minutes, she would turn her camera off for 2 minutes while she pees, then for the other 28 minutes she would be right back in front of the camera.
@@TonyCox1351 Ong if I’m working at home and don’t have to worry about embarrassing myself I would just have a jug or something near me if it’s an every 30 min kinda problem
@@hoobidibahentertainment6496 youre disgusting lol
Hearing him tell her to shut up was therapeutic
Caleb - fuming AF at the end…
Doggo comes up for a cuddle - Caleb instantly happy again LOL
The most relatable thing ever lol
sounds like the dog is the only thing keeping him going at this point
Man if I was at the point where I needed to take out loans to pay my rent, then I'm heading straight for the nearest Target/Starbucks/fast food restaurant and taking whatever job is available.
Selling plasma, cans... I dunno feet pics 😂... I'm not taking out predatory loans. Rise and grind.
Brother we triple dipping. There will be no more rest.
And customer service doesn’t pay much better than min wage!
That's one of the ways a lot of people fail. They think that they have to hold out for a job in their field and at their last salary. Then they find themselves in a financial hole with a big gap in their CV/résumé. My husband and I have both faced redundancy, both lined something temporary so we never missed a pay period, both bounced from job to job until the right job came along. The result is that we've never been late on a bill payment, both improved our salaries above inflation, both in jobs with more perks than the original jobs we had and neither of us have any fear of being made redundant because we know we'll just get another job if we need to.
Yes, I agree!! You can be freaking Einstein, but you’re never “above” an honest job.
My dad was a very experienced IT professional; when business got tough he went to hauling boxes for UPS in order to provide for us. For that I consider him a king 👑
Y'all PLEASE notify your employer of your disability if it prevents you from doing core functions of your job and ask for a reasonable accommodation. They don't have to provide the exact thing you ask for if it would cause a hardship on the business, but they have to provide something reasonable. If they don't provide it, document that and go from there. If you told them about your disability and you get discriminated, document that. But if they fire you for a reason related to a disability they didn't know about, then it's going to be harder to defend yourself.
Yes absolutely!! So many people don’t know that requesting valid accommodations is something that every job will provide within reason. She said when she applied she mentioned her disability, employer should have discussed it in private with her supervisor.
I think she's full of shit and just using that as an excuse
@@anabrr1123 Not true at all, just because she disclosed it on the application means absolutely nothing other than to alert them that they may need to make accommodations. She would have, while doing employment paperwork, needed to let that person know that she wants to file an accommodation request, which is filed, and maintained through laws around the ADA.
@@JasonGroomAs with everything with this woman, she didn’t talk to her manager and tell them what she needed. She then blames them for firing her. She sounds like a nightmare employee. And overactive bladder is not a disability.
You must have an ADA accommodation to get accommodated. You can not just say you have asthma lmao
whenever im about to make a stupid financial decision i just have caleb in my head saying "oh fuck you"
I find it stops me being stupid.
Relatable as heck!! At this point I’m thinking the baristas at my local coffee shop are wondering what happened to me… little do they know whenever I walk by the shop I hear Caleb screaming “TAQUITOS!!!” and speed walk home 😂
Between Caleb and Terry Crews (from his role in Everybody Hates Chris) I know not to waste money 🎉🎉
Literally me on Saturday. Almost bought tacos…. I went home and made tacos instead 🤣
Gotta say it in the highest pitch you can though, otherwise it doesn't actually work!
Hahahah
I knew she didnt have a disability when she said “I have a disability” 😂
Same 😂
I think it kinda is but not the debilitating kind that would effect her life
Sometimes I feel a bit low on life, and worried about my finances. Just 3min in, and I feel a WHOLE lot better!
That’s how I feel! This show makes me feel so much better about my own financial situation!
Just because other people are worse, doesn't make your situation any better 😂
@@teresamycelia true, but my feelings are better, which is something!
@@teresamycelia but it makes it seem better
Same here. At 40 something, I feel so far behind on my investments and retirement funds. Then....I watch episodes like this and remember there are Americans out there who possess neither of these things.
Legend has it if you chant Taquitos thrice into a mirror at night Caleb Hammer will materialize and brutally massacre your debt (or your excuses…)
Whoever you are lol I love you
😅😅😅
😂😂😂
Caleb's "no bull" attitude is exactly why I subscribed. He says all my inside thoughts out loud, and I love it.
What do you mean no bull? He's not vegan, he's mentioned many burger places he enjoys
@@Buzzzard 💀
blunt, sure, but he's fair when people TRY at least
No sugar coating on this cereal! 😂😂
It's what's needed tbh. Id say alot of financial advisors would just let these people continue on and try be maybe diplomatic about it.
But because they are being payed they most likely won't shout at their client lol
The parent blaming is beyond me i never expected anything from them my parents had a very poor upbringing so i knew to google,ask watch learn but to FIGURE IT OUT
most people just uncritically do what their elders tell them to do, you can blame them all you want, but that is just their reality
they just wander around using up oxygen and believing shit without questioning anything
Just used my bonus this year and a week’s worth of cashed-out PTO to pay off my CC with $10,400 at 35.5% interest 🎉 really thought about using the bonus for a vacation, but this show inspired me and my wife to do what needed to be done. Thanks, Finance Daddy 💪
Nice bonus
congratulations!! you did the right thing.
Great choice! Keep it up and the future will be bright.
Good. Vacations are overrated. I'd rather clean my garage.
Awesome.
Hard and fast rule for life. “I didnt know. No one taught me.” Is not a get out of jail free card for things you are responsible for in life. It is your responsibility to figure it out and learn that information even if no one taught you in the past
The thing is that sometimes you don’t even know what you don’t know. How am I to research something I don’t even anticipate being a problem?
No one taught me how to have sex but I figured it out. 😂😊
@@lbgstzockt8493 simple, assume you don't know jack and research. People have way too much pride when most people don't know anything lmfao.
Why did you sexually assault your grandma with a garden hose? "I don't know, no one taught me" 🤷♀️
Hard agree - it's not your fault no one taught you but it is your responsibility
How did Miss Overactive Bladder manage to sit there for so long.
Exactly.
She probably didn't, the video has been edited
And there is medication for that. 😂
Id rather wear a diaper than lose my job 😂
Great question
How Calab keeps himself from going over the table at these people… his self restraint is ASTOUNDING and really admirable.
In the era of the internet "I didn't know, no one taught me" is not a valid excuse. You had the tools, you just didn't care enough to use them.
And I'm glad you refused to help her, she's refusing to help herself, it's pathetic.
That's only partly true. How are you supposed to look up something you didnt know existed or was possible?
I am very critical of this girl and most people who say that, but even I admit that there were things I had to learn the hard way cause I really didnt have anyone teach me and I didnt know they existed.
@@TheSergio1021Yeah, you first need to know what you don't know
How has someone not heard of drivers Ed, or the DMV? It's all kids talk about is getting their license and driving.
"I didn't know I could ask". Wow.
@@tylerkinley268 drivers ed or the dmv does absolutely nothing to teach people about the financial side of buying a car
"DON'T BE THE AVERAGE PERSON. SACRIFICE!"
Me: Nodding in agreement, while I eat the Chipotle burrito I bought with my last $20.
was it worth it? I've never had Chipotle before but people be making it sound so good 😩
Hey maybe try not doing that
@@dremewhite5209 It's good. Better than Moe's. Worth 20$ is subjective.
@@dremewhite5209It’s not worth it. Any individual Mexican food truck or place will put it to shame. It’s consistent and fast, those are its most alluring qualities.
@@Abrade Yes, dad.
Since January my credit report shows my credit cards at 99% usage. Today we’re at 78%, making progress thanks to this show and Caleb. Thanks yall
Soon you'll be below 30 and increasing the score🗣️🗣️🗣️
That’s a great improvement! Get below 10% and you will unlock a magical credit score!
Good job!
Lmao tf
Great work! Keep going!
“Well your the one who got fired soo” hahaha bro that was sooo fuckkng good I love how you much harder you’ve gone tired of people bs I’d love a financial audit done by you bro!
Sign up for it!!
I “manifested” a financial man to post a financial audit video at 11AM today.
If you’re a true fan of this channel, you know which audit video this came from hahah
Mmhmmm yeah mm.. mmmm.. yeah.. mmmhmm.. 😂
It came from 5 of them lol, manifestation and good vibes are the mating calls of people that play the lottery.
😂😂
The chronic manifester.
@@ergerg2 this comment killed me, lol.💀💀😂😂
Caleb had a way more mellow reaction to her paying $6,000 for a DOG than i would have managed to have, especially at this point in the conversation. Good lord.
He definitely freaks out it more about kids for some reason than pets and I don’t know why lol
I haven't gotten that far into the episode yet; so i want to take a guess at it and see if i guess correctly. . .
20:04 (my current time stamp)
Survey says! :
Is it a French Bulldog?
@@fitzgeraldfilmsMN the cost of owning a pet vs the cost of having a child (both mentally and physically) is *orders of magnitude* different, how could you not fathom that?? having a child while 50k in debt is a MONUMENTALLY worse decision than buying a pet in that same situation.
@@rumbleizerbecause one is something that naturally happens with life and the other is a want commodity.
I personally think debt shouldn’t stop people from having babies, but also should be fiscally responsible within that financial situation to make sure to provide for said family.
I had a baby with 50k in debt but I also made sure to work a ton and provide and have my income and spending at a good amount.
I think people without babies like Caleb think they have to be money puts and they don’t have to. I see people spend about the same on a big dog as a baby.
@@fitzgeraldfilmsMN no one cares that you decided to shit out a child while in debt
Those aren’t disabilities. Even in an employee-friendly state like California, those are not protected categories. She would have to have a medical exemption note and get that submitted to HR before she starts her job. Even at that, it would be difficult to get that situated and confirm she cannot perform her job as directed. What she mentions of saying “yes” to the questionnaire of “do you have a disability” that’s just for demographic purposes. That is not a disclosure. That gets accounted anonymously by most HR systems.
Right, I have the bladder of a nat. I worked as a nurse for 29 years. Wear a pad dingbat.
I got asthma, does this mean i can have the fancy parking spaces nearer the store?
@@26Scored unironically if you had bad enough asthma you could make a pretty solid case to an employer as to why you should be able to park closer to the building
Asthma is covered under ADA. Obviously severity matters, especially when it comes to something like social security benefits for it. And medical documentation, of course, matters if you want/need employment accommodations.
I think allergies are sometimes considered a disability too, but I’m not sure what types or level of severity
@@NatalieMarie917 I aint in American my guy
Caleb's conversation reminds me of many I had when I was a police officer. You quickly realize the person you are speaking with doesn't navigate the world the way any sane person does. They are seeking help with a symptom of a much larger problem they are unwilling to confront. I really don't care for Dave Ramsey's advice. However, she is the perfect person for his advice. She can't handle responsibility. She can't "manage" anything. She has to take a position of avoidance. Avoid debt, loans, multi-dimensional thinking etc...She has the mental acuity of a hamster.
😂 spot on 👏
lol "hamster" is generous.
"I Klarna'd Shein" is fucking bleak
What even is that?
@@justinkaufman495the forbidden words
@@justinkaufman495 it’s like Afterpay . something that you pay an installments for example if the total is $500 she could pay it in four instalments of 125$ aka she doesn’t have the money for it now so she pays it off little by a little every week
@@justinkaufman495Shein is a Chinese fast fashion company and Klarna is a buy now, pay later company. So she financed buying useless clothes.
@@DekutreeRipoff504 I knew what klarna is, but I hadn't heard of shein. That sounds dumb. Especially in that much debt.
She doesn't meet 99% of the jobs requirements. Doesn't think it's her fault she got fired. This is going to be a riiiide.
Angrily states "I'm going to pet your dog to calm me down then I want you to leave". I'm dying.😂😂😂😂
Grew up in Laredo, went to university for a year there, the bus was very very VERY active, ESPECIALLY in regards to getting to the university and the community college
I'd like to see the occasional audit of someone who recently finished getting out of debt and is working towards building their various funds and making decisions on how to use their money.
I like the train wrecks but seeing success once in awhile would be fun too.
Well I think that's what the follow up episodes are supposed to eventually be, but it takes time for people to get there and a lot of people don't make it.
@@SlimeyGuitarStringsa lot of them are disappointments. One of them came back like 2-3 times with same or worse situation
I’ve thought this too, but he also can’t legally give investment advice so it could get tricky when it comes to that. I think that if someone came on and got themselves out of debt, he could still audit their finances and see where their spending is going out of control and catch things.
I'd love to see this too, but I wonder if Caleb prefers to help people that are in the more dire situations than ones who might not need the help.
I’m a bit older than most of the show participants, and I’m financially stable. I’ve often thought of contacting Caleb and discussing being on the program-BUT, then I realized that I really don’t want the violation of my privacy. I don’t want or need my face and personal info all over the internet. I’m wondering if this isn’t a common feeling amongst most of us older folks. I mean, I feel like I could contribute to the show in a meaningful way, but I just can’t get past needing to actually put myself on camera. I feel like the younger people just don’t mind as much.
I’m so over her & her excuses.. She’s making things up as she goes.. Adults stop blaming your parents! Be responsible for yourself🙏
Caleb: "I look like an ass hole and everyone is going to hate me"
All of us: "wow people be wild, Caleb's a saint for putting up with this shit."
This tbh
Yeah, his energy here was pretty bad.
@@VexylObbyyeah but I can't see how his energy would be good dealing with someone like this chick.
@@dremewhite5209 Tons of different ways to handle an opportunity to be informative.
@VexylObby I think the main problem is that she didn't want to listen/admit fault for what she did. It usually was her parents' fault from what she had said. I give some leeway since who knows what was being said pre-show.
28:40 - caleb, im being genuine here - thank you so very much for picking up the pen and showing it. I love stationary and also have OCD so i would honestly have SUFFERED had you not done that.
Another reason to love youuuu as an influencer!!
for someone that is so organized, it's shocking how bad her finances are
I think she's organized more as an aesthetic choice than for efficiency.
Or possibly someone did this for her, whoever got her onto the show.
Big hat and no cattle
It's that sometimes, you're organized because of how bad your finances are, you're trying to get better so you get organized vut it takes time to get better financially
11:00am crew is here! We appreciate the honesty Caleb!
Gang gang 🤩
I appreciate your support!!
@@CalebHammer I'm unhappy with the title personally
BoogyWoogy
2am Aussie Crew
School counselor here. Thank you so much for giving us a shout out!! I hope this spreads the word so we can help more students find the resources they need to be successful!🤩💖
He's really not taking any BS in this episode and its pretty admirable lol
He’s crying like a little baby and letting his emotions take control of him. Not even Jerry Springer behaved this way with his crazy ass guests
@@Riggy931 we found the guests account
@@Riggy931that’s why we watch Caleb. The screaming, the yelling, the pounding his calculator. Nobody wants to see crusty ass Jerry up there doing financial audits 😂
Yeah, I wasn’t expecting the rage quit at the end…I think that’s only happened like one other time 😆😆
Sounds like people are simping for this girl lmao
The hard transitions from screaming and angry Caleb to sponsor advertisement Caleb is always needed comedic relief
Getting a dog for $6k is wild. Like it’s one thing if you have the money (ig) but for most people I don’t understand why shelter pets aren’t an option to them. Like so many people never even consider adopting a dog for like $2-500 but will drop $5k+ on a bred dog who they won’t use for their intended job 😭
So there are lots of dogs that are great to pick up from a shelter! However, just from experience, not everyone is prepared to deal with the needs of a dog with previous owners, especially if that dog has trauma. The other benefit of getting a puppy that's bred is that you can train it yourself to be used to your environment. Of course, lots of people aren't prepared to do that either. Personally, I like shelter dogs, but they also have different needs. But some people do, as you said, have a weird idea that they NEED a bred dog.
I paid 120 dollars on Spectre's adoption fee and he was overpriced, lol. I love my big old goofball. I'll probably never buy from a breeder when there are rescues and shelters.
Donno how it is in the US but here in germany its harder to get a shelter dog than just to buy one from the breeder as the shelter comes to check if you can take care of the dog, or for more complicated ones that you have enough experience to make sure it does not come back or lives in bad conditions. Breeder be like "gimme money i give dog, no checks required"
6k dog is for those instagram trends. A few years ago that golden doodle trend started :(
Who cares where the dog is from? She took out a loan to pay rent. She can't even afford a goldfish.
My mom is literally epileptic and works as an ER nurse still and has tried to go back on shift after having a seizure and recovering during, I am absolutely stunned someone can actually make so many excuses but then at the same time have NEVER told their employer until it was brought up???
When she said "I definitely think i'm a credit card person" AT THE END, i'm shocked you didn't get up a walk away cuz I literally had to.
I’ve been watching Caleb for the last several weeks! I’m currently self employed Stay at home mom. I had $5600 in credit card debt with interest so high I could never out run it! And $0 in savings. Thanks to these videos it gave me a huge reality check and today I paid off my all my credit cards (3) opened an hysa, and put aside $2,600 to start into that emergency fund!
👏👏👏
This is exactly how I feel! I’m a single mom and I’ve done very little to save due to circumstances, but also my own stupidity in not being financially responsible. I’ve started a college fund for my son, working on emergency fund, and trying to tackle student loans! This comment was so inspiring. So proud of you mama!!
Keep going and don't stop! Well done :)
This will probably get lost in the comments, but ever since I started watching Caleb's videos Ive managed to pay off 2 credit cards, reduce my mortgage by almost 30k, save a 12 month emergency fund, and regrow my entire foreskin. Thank you so much for all that you do!!
😂
how did you do that last part i gotta buddy and he wants to know
@@CupGuyDude12 it all begins with living below your means
😂😂😂
😂
HER VOICE IS LITERALLY SO ANNOYING I CAN'T
Uhhhh...Okayyyyy......So........ She's stalling to come up with a plausible answer.
I’m so happy I wasn’t the only one thinking this! It sounds like she should have her sinuses looked at. Very nasally
Valley girls would have y'all I'm a chokehold.
And she’s a call center worker. Her voice sounds incompetent 😭
@@susanyoung1600 and when she says "huh?" Even though she completely understood what he said 😭
I love that you jumped right into it (financially speaking) in this episode.
Good thing, too. Because her finances are on fire. As in dumpster.
The fact thst she's talking proves that she's awake but she sounds like shes asleep
Even before I read this comment my first thought was girly is on valium or xanax, the speed pattern is so easily identifiable
She's got that California girl accent.
It’s her employers fault. No wait, it’s Caleb’s fault. No wait, wait, it’s her parent’s fault. No, wait, ITS EVERYONE ELSES FAULT! Girl, please.
Having pets is a luxury, not a right. And if you can't take care of them when they need care, or have to take out a loan to cover any adoption or purchase costs, you should not have a pet.
Single mom here! Been watching you for a year and have been able to save up 10k emergency fund! My son and I have been living more internationally not only without time but our $$$$. Thanks for keeping it real and always recommending services that have genuinely helped you.
As someone who has chronic asthma and allergies ( I get shots weekly and a biologic monthly), other than turning the camera off for sneezes, asthma isn't a reason to not have it on
Yeah, asthma as a disability was pretty hilarious
Plus, it doesn’t seem that she disclosed it to them beforehand, but then wants to use it as an excuse. That’s not how the ADA works.
Also not a disability- even the weak bladder just needs a few extra five minute breaks
Hey Caleb! Found you last year and have watched every video so far! With the help of your videos, I have gotten out of $13,000 of bad credit card debt, and my bad interest car will be paid off in July (3 years early!) Raised my Roth 401k contributions to 10%, made a budget i stick to, and currently working on my 6 month emergency fund. I have gotten my two best friends watching you now and they are starting to take their finances more seriously. Thank you so much for what you do, you helped me accomplish debt freedom as I'm sure you did with so many others.
👏🏻
Congrats!
Amazing! keep grinding! I too share his channel with everyone I know. it literally has something for everyone whether that be advice or entertainment it will help anyone out there.
Good on Caleb. He made a mistake on the interpretation of the statements late payment amount and owned up to it. A great lesson for this girl. Take ownership of your mistakes and work to correct them instead of crying victim.
If you have a disability, you’re required to have reasonable accommodations filled out. Your employer will not accept the fact that you just simply have a disability without having reasonable accommodation papers filled out by you, your doctor, and being submitted to your employer, your disability needs don’t count.
Thank you, so many people do not understand this. You can not just declare "I'm disabled" and expect the employer to do anything.
Absolutely. It’s really insulting to actual people with disabilities to say an overactive bladder and allergies are disabilities. People saying stupid things like this make it harder for people with disabilities to be taken seriously.
Also Asthma isn’t a disability, yes it can be debilitating, but sitting at home being a callcenter rep hopefully isn’t going to trigger it unless you are actually disabled.
The thing is that the conditions she mentioned are not disabilities. If they were most people would be disabled.
Surprisingly here, a lot of places don't want to accommodate, or try to accommodate, they'll accept you knowing you're disabled or have disabilities and treat you normally. They also don't ask for paperwork here surprisingly 💀
No way she said asthma is a disability💀 I could have used the handicap parking this whole time?
Yeah you actually could have 💀
It completely depends on the severity. But, yeah, there’s no evidence whatsoever here that she has a severe case that prevents her from doing things. Especially given the fact that she said she enjoys hiking and cycling, and Caleb said she has 1000 gym memberships.
And she worked at a call center where she presumably spoke on the phone all day.
Especially when she's working a desk job from home.
At least in disclosures I've done when filling out employment forms, asthma is on the list. You can say you have a disability but don't have to disclose which one. But she sounds like she didn't disclose anything before. Just from her attitude I could guess she's not the person who's a good co-worker.
She buys dogs for thousands, pays bills with borrowed money & wants to use student loans to pay debts, takes no accountability.
I just don't relate to this attitude at all. I wish there were guests that were more open to change or feedback. She needs help but doesn't want any.
I have no clue how these people can survive for more than like 2 years
I also love the idea that she's so busy "in school and working three jobs" that she couldn't figure out how to Google "how to get car insurance."
Unfortunately, Caleb has said before that those audits don't generate as many views to the channel as these train wrecks do.
I've contemplated signing up to go on the show because I feel like I'm about a 4.5-5 (the score online says 6, which seems high) on his score card, but then I realize there isn't much unique about my situation which he hasn't already said a million times and I'm far too willing to own my mistakes and not make excuses. As the French say: "C'est la vie!"
@@Whiskey11GamingI feel like anyone can learn from any situation no matter how far out there it is or small it is. I’d love to see people who will actually listen and take advice. Bc not everyone is bad with their finances. But would just like help on what they could do better with.
@@Whiskey11Gaming that's not true at alll, he's had numerous videos of people more receptive to his advice that have done well
Is it me or this is the first time I don't see the budget chapter? She will drown on her debts SO FREAKING HARD.
This is the video that finally broke me. I became a member to see the shit-show of this post-show. But I promise, it's coming out of my subscription/media budget.
Was it worth it? I'm broke but gosh I want to see if there's an ounce of redeeming quality in her 😬
@@TaylerALongyou can’t afford it’
My husband and I are in a significant amount of debt from dumb choices in our 20s. We both just got second jobs to work our butts off, and we will be debt free in a year!
hey cheers to you both! it is hard but once you start, you will become FREE of that pain and stress!
@@Bobbyboiii_ thank you! Family and friends don’t understand, I’m a teacher and they think I “work enough”. Which I do, but I’d rather sacrifice now than take 10 years to be debt free!
Good luck with everything!! This whole audience is cheering for you!!
HEYYYY GOOD LUCK! You are doing amazing! Keep it up! ❤❤❤
Amazing!
My jaw dropped at the 30% loan ... How can people sleep at night ripping people off like that.
Pretty easy to sleep on your yacht or mansion in a super comfy bed with no worries 😂
Sleeping on a bed of money seems like it's pretty comfy
the rich get richer while the poor get poorer
It’s all business
@@SlickAJay The poor get richer too
Thanks Caleb, you rightfully caught her on condescending tone of "I wasn't living like a monk or a freaking minimalist...".
Everytime I watch an episode and think it can't get worse, you upload another one
Over active bladder is NOT a disability. It’s a medical condition. And, you also have to disclose your disability to your employers if you want an accommodation. If the employer can reasonably make accommodations, they are required to do so.
100% neither are allergies and both have medications for the conditions
If I was the employer I’d send her adult diapers
Even then you can just take extra bathroom breaks and still wear your headset when your 5 min wee is over
Caleb, I saw your community post about this episode. I will say… you were really harsh on her but I do understand it. This whole episode was very frustrating even as a viewer. Let alone being there in the moment. It says a lot about you that you included things in this that you could have edited out to look better but you left them in. I appreciate that you are yourself and have humility.
This girl is just full of excuses and doesn't give a shit. Caleb comes off as a piece of shit because she has the mindset of a toddler. Honestly, Caleb should allow himself to actually kick people off the show, maybe 1 or 2 times a month. People as hopeless and selfish as this deserve to be kicked off. This girl worked for a remote call center, was fired for turning off her camera and not working, trying to use "disabilities" as an excuse. Overactive bladder is not a disability thar prevents you for working. If you need to go to the bathroom often you just go ro the bathroom and cone back. Sounds like she was turning off her camera and not working. Then couldn't apply to some of the thousands of other call centers? She's honestly pathetic and will not succeed in life.
A big thanks from across the pond... Due to a combination of reasons (mainly returning home after many years abroad during covid so the loan was basics to have me stand on my feet as a fresh start), I was in a situation, where I had a load to pay, a Credit card and was unable to save anything. Your chat did make me wake up from my coma I started slowly with an Excel sheet and a plan to get out of these payments and transform them into savings for me and not the bank.. The Excel was a great way to check how much was paid and how much was left.. The visualisation was indeed a motivation (2023). I took that second-weekend job for 10 months... The credit card was paid off and then cancelled, The small loan was paid off and the extra money allows me to pay off the main loan faster, so looking forward to the end of this year...
Finance Father is back
Finance daddy ❤
Debt daddy
Hello there, son
@@CalebHammer does finance father cosign for his kids?
firm handshake
"It's not even that bad" is the same as "hold my beer" to me now.
😂😂
'it can be worse'
Caleb has helped inspire me to actually do better with my finances. Because of his guilt trip and facts weve paid off over 5% of our debt and are getting better every payday
Give up smoking motivation killing shite. Youll be out of debt in no time.
Great work! Keep going!
She was so bad.
To give you a little light note after this audit Caleb, I, myself have 2 credit cards. One has a $45 balance the other has a 0 balance. (I despise interest, unless I'm making it)
Me and my wife are making double mortgage payments and will have the house paid off in 6 years, and we have an emergency fund that would last us 1 1/2 years the way our lifestyle spending does us barring major disaster.
Oh, and my wife introduced me to an envelope challenge. $1-$100 sequentially, We figured if we did that 3 times a year during the same time paying off the house, we will end up with an extra $91k. Not to mention investments, pension, 457b and pure savings.
I regret to inform you sir, that we will not need an audit from your organization. I however will subscribe for the entertainment value.
The headset bit was wild. Companies want agents at their desk for obvious reasons. On top of that the people I talk to that have the most audio issues are on a wireless headset. From a company headset a wired headset keeps you at your desk and gives the best chance for good audio quality.
As a gamer I can assure you that a wireless headset is perfectly find for audio quality.
@@piepiepie57 An expensive wireless headset is perfectly fine. Many cheap wireless headsets are not fine. Many cheap wired headsets are acceptable... until the wires wear out or break internally.
@@noahorr3480 fair enough. I definitely don't go cheap on mine but you can definitely tell when you're talking to someone that did.
@@piepiepie57 100% I worked at call center ...the hardwired headsets definitely sounded way worse than the wireless headset I had for my personal use...wasn't even close lol
It might be a security issue. I worked from home for a few years, my employer used VPN and phones hardwired to the laptop. Ditto with the printer..had to be hardwired.
Thank you Caleb, for always being the guys who says what someone NEEDS to hear and NOT what they want to hear.
This girl is full of excuses for every single problem shes facing. Zero accountability. Thats sad.
I snorted laugh so loudly when you made the anakin slaughtering younglings line, it was even funnier when she didn’t have a clue what you were talking about 😂