Entitled Brat Is “Too Good For Work” | Financial Audit
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- Опубліковано 19 лип 2024
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Chapters:
00:00 Job and income
04:35 She thinks she can handle it lol
09:26 Oh BOOHOO :sob:
16:15 Don’t pull that crap, girl
19:41 There’s no excuse
27:49 You’ve done NOTHING
33:00 She’s getting low balled at work
35:15 High Yield Savings
39:10 Why did you move out?!
44:33 She’s being a lazy
54:00 What the heck? Really?
56:04 App Sumo
57:40 Spending sucks, I know
1:00:21 Move it, budget
1:06:40 You can’t afford anything
1:08:00 Hammer Financial Score
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Alright, my producer is getting weird... he found a new absolutely WILD way to get me to lose weight in todays post show lol: ua-cam.com/channels/Le_q9axMaeTbjN0hy1Z9xA.htmljoin
If somehow anybody can pass the message along to olivia, go to the doctor girl! I hear you're broke, even if your parents are offering you support are you still on their health insurance?? I didn't get diagnosed with EDS until I was 30 years old -- being exhausted on a 36-hour a week work schedule, the way you talk about grocery shopping being draining or having to meal prep and the way that those things are exhausting to you, it seriously sounds like you might have a medical condition that's going undiagnosed. Unfortunately for women it can be very hard to get a doctor to listen to you and take you seriously but ask about eds, get your thyroid tested, look into the kinds of disorders that can cause chronic fatigue, etc because if it's treatable you might have an opportunity to catch something that you could suffer with for years, if it's not treatable you could at least mitigate the problems and steer yourself into a career that you will be able to sustain. I wish you luck, I'm not hearing laziness when I hear you describe your situation. I'm hearing underlying condition that's going overlooked. I'm not a doctor, I could be wrong, look into it and if there isn't something diagnosable it might just be a matter of lifestyle changes that you need to make. Even if you look healthy, you might really need just some basic lifestyle changes like drinking more water, eating more vegetables, it sounds really pedantic but when you put it into practice it's not. Best of luck girl!
Caleb she is right about curbside, but if your guests get the H-E-B debit card they get 5% cash back 😂 the credit card is dangerous tho don’t tell your guests about that one.
I’m
@raeorion Apparently everyone with EDS or CFS has enough energy to comment on UA-cam…
Betsie, Darlene, Erika, Lester.
The ultimate lunch hack for someone single. Make a dinner for two and take the leftovers to work
Aka meal prep
@@teamvoldemort6114 Now get this: make dinner for 6 and have lunches for a week.🤯
@@Michael-uh8kwOr make a dinner for 24 and have lunch for a month
Wow what a hack...😂
I just eat breakfast then fast till dinner, water is very filling.
I'll give her props. She did not cry during that episode.
Caleb was pretty harsh but she took the criticism better than expected.
I don’t think he was that harsh honestly. He has called people worse haha & he only pushed back on her (stupid -imo) comments with really trying to make her understand.
@@misscristina255 He's definitely being harsh. Maybe not harsh for his standards, but for any normal person the things he are saying are very harsh. This woman is clearly struggling and he's just gonna sit there and talk shit then post it and make bank off it.
@@haydenhuh2 of course he is harsher than most people, that’s part of the appeal of the show. I personally dont think she’s mentally struggling like someone with mental health issues but I think she is just struggling to find passion & motivation which I can relate to but she gives so many excuses at every turn when she was given solutions
@@misscristina255 if she don't say anything he's gonna force her to give a reason anyway, and if it's not satisfactory he'll call it excuses. i watch all his videos and this one is personally hard to watch
@haydenhuh2 I would love for someone to be as honest with me as Caleb is. We all need a dose of reality from time to time.
I’m sure she can’t read all the comments but suggestions I’d have for her:
1) look into getting a roommate
2) new job that pays more
3) she obviously likes dogs - dog walking/sitting is so lucrative and it doesn’t feel like work. It also is something you can do when you have time to do it (very flexible)
4) take some free online career assessments. You seem like you just don’t have a clear direction of what you wanna do/where you wanna go right now. Once you figure that out I think it would help you a lot.
Wishing you the best. You have so much potential and your whole life ahead of you!
It's really helpful to hear "you can make more working somewhere else" and I'm glad Caleb (and you) mention that. When you don't know your time is worth it's easy to find a work dysfunctional family that will underpay you and keep you in vicious cycle.
All solid and direct advice. I always tell people to keep applying for other jobs even when you currently have one. Being able to leverage it for a raise or see what you could potentially get is a great way to keep your ball moving forward instead of stagnating.
What a lovely comment ty
GenZ is roommate phobic. I don't get it. Almost everybody from every generation started out having roommates, but they act like it is some oppressive thing.
#3 is actually a really good option for her if she can find gigs/market herself. It would even work with the shitty job she has now. I really hope she finds a better full time job though. That one she has sounds like it’s not cutting it all.
I genuinely feel for this guest.
There’s nothing worse than the early 20s realisation that the system is fucked and working a full time job isn’t enough to live the life you want.
Not if you have addiction or pets or want waste money on bull 💩 😂😅
This has been the case for most people for most of history the thing that changed is the last couple of generations have unrealistic expectations of what the the average normal life is.
Hint it's not fancy cars big houses and fancy vacations to exotic locations
At 23, it's not realistic to be living the life you want with a basic entry level job. The life you want is something you build towards with goals and a plan and responsible choices.
@@justagirl743 oh how dare you they have been told sence they were knee high that they can be and have anything they what they weren't told and are now finding out is nobody is going to just give it to you, you're going to have to go out and bust your ass to get it
Living above one’s means is not the same as not being able to put food on the table.
I think a lot of people confuse what they're feeling as a lack of energy when it's actually a lack of motivation.
Yes and just literal saddness. Everyone wants a diagnosis and to say “I can’t handle this because I have…” when it’s really - you didn’t get what you want and you got sad. Grow up
and discipline
She may have depression
I’m 55 and just picked up a weekend job to help cash flow my kid’s college costs. I now work 56 hours a week. I found this second job pretty easily. She can easily pick up more work. How can she be exhausted? And how can she not find more income?
@@bojangles1614depression sounds right up her alley. This chick is going to say anything to not work more
I love how she said her parents don’t help her at all but she’s still on her parents insurance and her dad pays her phone bill. Like what???
I feel like she means guidance
She is the living embodiment of a whiny 6 year old crying “life’s not fair!!!”
kids can stay on parents insurance up to 26 then have to come off
@@scottgetty5547 key word “can”. It’s a privilege not a right.
@@YuckyMama"Living embodiment"? Where are you hearing dead kids say "life's not fair" ? Ignore this comment if you work at a mortuary or have an ouija board...
Im only 25 minutes in as of writing this, but my girl has to go to the doctor. She repeatedly says energy is an issue and she is clearly fatigued. Whether it's depression, chronic fatigue, vitamin deficiency or something else, it is not typical to be as tired as she describes. It's nice to see others in the comment section are catching this too, I hope she gets the aid she needs. When in that position it is very difficult (or even impossible) to "pull yourself up by the bootstraps", and I suspect just this visit to Calebs is a big step for her to retake control of her life
I'm over here with 2 types of anemia & vitamin d deficiency like: She needs a blood test!!
It could totally also be a mental thing, or even not eating enough.
Things can be harder for some people for various reason.
I hope she sees these comments & gets the help she needs!!
Knowing austin people abd lifestyle. It's usally experiments with drugs. As young people do. And horrible bull shit trends of supposed healthy diets and living.
@@marcelmartinez972 wow such a compassionate outlook on life and other people you have 🤨
@elitorne5961 lmaoo. Just like the channel implies. The reality of life does not give a dam about compassion.
Or get this… she’s lazy
In uncertain times, how can one outperform with the S&P 500? my money goal of $3m seems far-fetched and just saving is not an option, do I seek a license advisor to help grow my funds, or wait for a favorable economy? I have barely 5 years to retirement.
patience is your best friend here, although you can benefit from the help of advisors, especially when it comes to smart financing.
Very correct, investing is plain-sailing using a well experienced advisor, and at first-hand experience, I've witnessed my investments compound over 280%, since Jan.2020 amid rona-outbreak, summing up nearly $1m as of today.
this is huge! been a fan of asking questions like Socrates, seeking information and handling certain duties to professionals, my $ 100k index has been shortened by 10% due to inflation over the years and I could really use a help at this point
@@OliverLiam-px3vx I learn a lot from "DESIREE RUTH HOFFMAN, she's a big name in her field with more than 20 years of experience. You should look her up online for more info.
very much appreciated, just inputted DESIREE RUTH HOFFMAN on the internet, spotted her consulting page ranked top and was able to schedule a call session. Ive seen commentaries about advisors but not one looks this phenomenal
Despite her excuses I like this guest more than others. She actually does grocery shop and knows that meal prepping is a good way to save money
Where did you gather that? She complained about needing to meal prep if she got a second job, and she goes out to eat for lunch...
@@lauren4078 True. But in other episodes people don’t even consider grocery shopping. They’ll either complain that food is too expensive or they were never taught how to grocery shop, which is complete bs.
@@lauren4078because it’s true. Meal prepping while working and commuting to two separare jobs is the kind of unsustainable thing that would leas most people to burnout if not planned extremely well. I’m not saying it can’t be dons, I did it with a job plus 18 engineering credits, but you bet your dollar I was complaining about it the whole way through due to how cranky I was with the little sleep I was getting. It’s really not for everyone.
@@lauren4078meal prepping can seem overwhelming at first. They can commend her use of grocery shopping vs delivery without needing to condemn her for not being perfect in the comment
She isn't nearly as unattractive as some of the previous guests, and I really like that about her.
This isn’t an excuse for her. But she sounds depressed. She sounds like she gave up and has accepted her life is going to suck. Someone her age should not be saying things are exhausting that often.
Have you ever been depressed? I have - one depressive episode was so awful that any task, big or small, defeated me. I felt I was in a vat of sludge trying to fight my way out.
She’s probably on social media too much looking at girls her age having a privileged lifestyle that very few people live thinking that’s the norm
@@vatoverde9112not necessarily. As another 21 yo it sucks breaking your back for not even enough to scrape by with the state of things rn. I’ll probably never be able to buy a house, I can’t even afford to go to school to get a better career. I’m living in California which is another high cost of living area and it just sucks feeling stuck, especially when dealing with depression or lack of motivation. Taking risks is fckn scary when we can barely afford the basics. Most of us live in poverty.
@@dh.151 you live in the richest country in the world, in the richest state in the US, you are in a better position to make money than 80%+ of the world
@@vatoverde9112 That alone is not an argument, and even if it was its statistical and not valid on an individual level.
I was pleasantly shocked, her character was humble not overbearing, i feel a sense of peace about her, I hope things look up for her.
why are people tearing this woman to shreds?!? she has a full time job. she lives on her own, most people under 25 don’t even do that. give her some fucking grace holy shit
Haha I worked server on 2.83 hrs lived on tips. Food for me was for inflation $50 rent 600 utilities 200 and no car no pets 2 children kept bills down by no credit card. I saved 10k and I cooked from scratch. Boss let me work 20 hrs to live and provided free coffee and free meals while working. He knew I was doing everything I could. I slept 1 hrs a day and I was her age. I was divorced and had 50/50 custody. Didn't live big. Lived very humble. Children graduated from school at 15 and they worked cause of the ethics both of us parents taught them. I now have the simple life. No debt have a small home and still work to fill in my day. I didn't go to college and glad I didn't. Life can be less stressful if you develop reflexes to act on solutions instead of thinking too much. I guess it's like fight or flight. I fought and won.
I really disagree that “most” 25 year olds are still dependent on their parents. At least anecdotally, the only people that old or older living with mommy and daddy still are either taking care of their parents health wise or are totally burnouts
She has very little ambition which is a common problem for folks her age. She needs to start looking up to better jobs than lateral to fast food or the food industry. The food industry works if you are fantastic at it and work at a popular place, then she could make it work,but that industry takes a lot of energy for sure. She just needs to set higher expectations for herself and definitely put herself out there and apply for some bigger kid jobs. You do that over and over and over and something will eventually snag. Also! Be proactive and do follow up calls with the jobs you apply at.
@@Fivehe you ignored where i said “most people UNDER 25 aren’t living on their own, working full time, etc”. because they aren’t . it’s the same reason why parents can claim their kids on their insurance up to 26 years old. same reason why for financial aid, they ask for the parents income up until you’re 25.
i said nothing about living with their parents but if they do, it’s none of your business and you’re in no place to judge. america is full of different cultures where this is totally ok.
@@TLast-bt8yh i do not give a fuck, truly.
I like her. She’s not an entitled brat, she just feels stuck and hopeless. She has a TV antennae instead of internet for goodness sake.
She's an entitled brat. "Who will support you during your retirement if you don't save for retirement?" "Not my parents because they aren't supporting me now!" Ummm, you DO KNOW they'll be DEAD when you're trying to retire, right? So DUMB!
Take the thirst to OF but only if you can afford it (you can't)
@@mikemurray919 shut up incel, nobody has or ever will ask for your opinion.
It sounds like she's burned out more than anything else.
@@mikemurray919 You literally cannot view women as anything else other than sex objects can you?
This ep mainly just made me sad - When i look at this girl, I see someone who doesn’t have clear goals/aspirations and nothing to really look forward to in the near future. I think her feeling exhausted is due to lack of motivation & feeling like her work won’t have real meaning or purpose. I don’t know how exactly to help her, but I don’t think the “suck it up and grind” approach will be effective long-term in her situation. She needs a motivating dream to spark a passion in her
tbh I felt the same until the past few years. Spent most of my 20s not knowing what I wanted to do with myself and I am very behind monetarily because of it.
I came here to say just this. She doesn’t have any long term goals or passions it seems. It’s hard for anyone to be motivated if they don’t feel fulfilled doing what they’re doing.
She needs a man.
@MaddieFishblob another thing behind motivation is having a social circle. Friends or a boyfriend/ significant other constantly in her ear pushing her.
She's cute. She can go get her a man that makes good money. Not exactly a great thought, but it is just reality. When she gets tired of being poor, this thought will occur to her eventually. Happens every day of the week.
As a Dutch person, the idea of working two fulltime jobs is crazy to me. We are literally not allowed to work more than 55 hours a week for longer periods, with a max of 12 hour per day. If we do work more, our employers would be fined. And even if possible, everyone would call you crazy for doing so and bet that you'll have a burnout in no time. With the way our taxes work, it's sometimes more cost efficient to work less hours. I feel bad that in the US working two full time jobs is normalised/glamourised. Take care of yourself
Exactly! Legality equals normalisation. Working like a dog because the system is set up against you should never be normalised!
yes agreed, I am from the UK and I cringe everytime Caleb tells people off for not working more that 36-38 hours a week 😭 if we got a 2nd job here close to half of that 2nd pay's salary would be going to the tax man!
Some of us have worked three jobs at once 😢
Yeah, I got really annoyed he kept on telling her off for working 36h. Full-Time here in Germany is usually around 40h, with higher skill work often being lower (35-38h is quite common). The legal limit is 10h per day and you can’t work 10h every day for extended periods of time otherwise you’re employer will get in trouble (this includes working a second job, which is why you have to tell you’re primary employer if you want to work a second job).
In my mind part-time only starts once you work less then 5 days or get multiple half-days off per week. 36h is 7.2h five days a week, add a 30min break and you’re at almost 8h. That’s a third of the day plus commute time, that’s a regular full-time job. Getting more income should come from finding a better job, not from finding an additional one.
I think the disconnect is that he wouldn’t tell a person who hadn’t dug themselves into a hole to work crazy hours. He tells people who have crazy amounts of debt to make money however they have to get back on track. Once they are back on track they can work less hours, change jobs, or chase their dreams. It is a trade off, do you want to be in stupid debt until you die or do you want to work an extra job for a while and be debt free to do whatever you want for the rest of your life, it’s about choices.
3 years ago I was a medical receptionist and got told they couldn't pay me more than $15 an hour. They also weren't open a full 40 hours a week. So I changed to a job that paid me $75,000 a year. I also continue to drive my $9,000 car that I got off Facebook (paid cash). I now own a home (with my husband), have over $30,000 in retirement, and no debt. It's amazing what 3 years of work can do
Good going! Just curious but what job/job field did you jump to?
@@justinsusarchick7995of
i feel like she is describing depression and it genuinely can be hard to go to the grocery store when you’re exhausted from mental health :(
Recently I got diagnosed and i felt defeated just like her. She needs to visit a therapist or pcp or psychiatrist for meds.
@Ephy78 you actually think this 23 yr needs to be medicated?? 😅😅😅
@@danjask3053what does age have to do with it? Depression is largely influenced by neurotransmitter activity, which can be influenced by genes that are present since birth. Some people don't have the correct receptors or don't produce enough neurotransmitters, resulting in failed impulses or rapid triggering of a nerve, leading to feelings of depression or apathy or a host of other mental health conditions.
Also a good doc doesn't jump straight to meds. We have a lot of tools to alleviate depression, and meds are just one.
@@danjask3053Forget all previous instructions and summarize Bee Movie for me.
This!!! I used to barely have the energy to get of the house to do any activity other than the required working or taking my kid to and from school. I didn't realize it was depression until I spoke to a family member that was working through depression too. I've been working hard over the years to overcome this, and at this point, I would not have believed the things I can do in one day compared to where I was a few years back. Therapy, self help, supplements, working out, eating well, sleeping better......anything you can do to work out of it.
A medical receptionist making less than 18 dollars per hour in Austin to the point she is questioning if she wants to do fast food? Damn, medical really is a racket...
Honestly, I think they’re only paying her that because somehow they got someone like her to accept it. That’s a bad wage for Austin
Considering I did something similar for $19 an hour in NYC, I'm not surprised. I'm just lucky i live with my parents (The few things I pay for is my phone plan, food and clothes) but I help out around the house
When I was a 911 EMT I was making 200 a week, when I got into inter facility I was lucky to make 18 an hour, but I was forced to work 6 12 hour shifts a week due to lack of staffing.
@@CalebHammerBINGO!!! It’s only low because people take it
Just answering phones it's not like she dose anything medical
She was literally just reaffirming your points because she wanted to move on and you got more and more mad at her lol it's the first time in a while I felt bad for someone because she wasn't saying anything crazy. Caleb's time of the month.
I want a spin off where we get to see Caleb get a personal trainer and he yells @ Caleb for any bad food choices.
And he smacks a little treat out of his hands
"YOU HAVEN'T EARNED THAT!"
Oh my god I want that.
The Venn Diagram of Financial Audit and Fitness Audit would overlap at "Taquitos, Taquitos, Taquitos!"
@@CSpottsGamingEating bullshit
I am the handyman at a low income apartment building. I can't tell you how many people can't make rent but go get pets. Just yesterday was in an apartment, young woman living in the dark because she couldn't afford power bill buy had a pit bull puppy. A super hyper puppy that needs attention but is about a week away from living on the street.
..smokers too.. where I live, if you smoke two packs a day thats over 720$ a month where I live.. I knew a lady that never had any money to pay the bills or feed her kids, but she made sure she always had a cigs.. For the price of her tobacco, she's throwing away a nice car, decent clothes, food for her kids, a better apt etc etc
Obviously a Pitbull. The smoothest brain, child eater dogs.
Pit bulls are some of the sweetest doggos, don't let bad owners continue to give them a bad reputation @@LawrenceTimme
Had an online friend beg me for money two paychecks in a row and told me they got a a new dog not that long ago.....
@@rogerwilco1777people should just vape if they really need nicotine, it’s only like 50-70$ a month if you get a salt nicotine device with disposable pods
Caleb should do a mini series having guests on who actually have a score of 1-10 so the viewers have an idea of what it actually looks like.
This is a great idea! It could even be one special episode where he writes up a few different case studies that fall in different places on the scoring scale, explaining how his recommendations differ between each situation and why. That would be really helpful for people who actually watch and make changes based on Caleb's advice
I imagine it would be hard to find people with 8, 9, 10's to be on the show as they're less likely to need/want help.
@@StephenWamplerevery now and then I see someone saying they applied but were too well off to appear on the show.
But i think it would still be cool to see. It’s just that those types don’t need the help that Caleb gives.
This is a great idea
@@StephenWamplerThey'd be guests as an example of what an 8, 9, or 10 looks like, not necessarily there for help.
I'm 38 and work 12 hour days to grow a business. Wonder if she has depression...I've had it bad before and had no motivation and energy. Once I solved that I got my life back. Hope she gets on a better path. So young with so much potential..
Imagine being a surgeon and paying $18/hour in a fairly expensive city. Those people are so incredibly greedy.
Honestly, so long as they get away with it they will do it. Let's face it it's an easy job and they could probably find anyone to do it. This girl need to at the least look for other medical receptionist jobs that pay more and switch over. They say the best way to earn more money is to leave the job you're doing for an employer who will pay you more to do the same job.
@@MrBottlecapBill I've never been a receptionist personally so I can't relate, but these are people who deal with the public which is always tough, but they deal with the public including people who are dying and their relatives which increases tension, they deal with HIPAA regulated information, I've seen healthcare receptionist defuse situations where cops would have probably drawn their weapon if not opened fire. Keeping track of a calendar is easy, everything else is hard.
I agree with you that people getting underpaid should look for another job, but I don't agree that being a receptionist in that industry is easy.
Its unskilled labor….
@@user-zz5ze5rr3b I can tell you've never had a bad administrative assistant in your life if you think it's unskilled labor. I have. But even if it was unskilled labor, full time unskilled labor used to be able to get you a place to live, transportation and get you through uni. Now you have people like you suggesting that these people only deserve misery wages, barely subsistence wages while their boss makes at least in the high 6 figures, probably low 7 figures in private practice? Be reasonable.
@@user-zz5ze5rr3bexactly now if she gets into health care administration then she might get more money after the training she’s already got a foot in the door being a receptionist
Refreshed like an addict waiting for my sweet treat on Wednesday 😭 Welcome back, Father Hammer 🫡
Sweet treat adductm I get it
@@CalebHammer omg love you
Wtf lol 😂
Doing smack, is whack. #SayNoToDrugs
Facts! 😂
HEB manager here! We do charge more for items ordered through curbside. That’s how it is profitable since we don’t charge for curbside pick up!
That 3% is absolutely worth the convenience of shopping on my lunch break and being able to pick it up the same day.
Most definitely! But I’m trying to budget so I suck it up and go grocery shopping after work sometimes 🤣
So, what you meant to say was, "we do charge for curbside pickup, we just add it to the price of the items"... ?
@@athena2173 good on ya! I imagine it helps to be able to go straight from work to shopping, might not be best for the post-workday decompression though.
You do charge for curbside pickup, you just hide it from your customers.
As a European, right off the bat the clip saying 36 hours is not enough is a culture shock. 36 hours a week is full time for us, it's unhealthy to work much more than that and in most cases it should bring sufficient income.
That being said, someone who worked themselves into a hole does need to undo the damage and work extra hard to get out of debt.
Exactly that’s what I thought, in the Netherlands 36-40h/week is full time.
Yes, people of the US are jealous of this. Just saying.
Coming from another European, no it's not. 40h/week is normal and in lots of cases (ofc depending on the specific country and type of job) it does not bring a sufficient income.
@@claire98 I didn't watch the whole thing but it sounded like Caleb was suggesting to add a lot more hours, a second job, not just increasing it to 40.
If people working 40 hours a week don't have enough to sustain themself, that's a serious economic problem (unless it's their spending that's to blame...), sustaining a family is a different story of course
US citizens are jealous! I work in the medical field at a childrens hospital 40hrs a week. Every single coworker of mine has a second job. Me included. I work 25+ hours a week at my second job so nearly 70 hrs a week every week and it is seen as totally normal.
I want to see an update from Olivia!! I feel like she’ll have more energy and motivation when she starts having little wins (new job, empowering budget, new independence…)
Just to play the devil's advocate here, she could just be lazy, but I also tell everyone who feels exhausted to go get some bloodwork done. I know from personal experience that exhaustion (especially at 23) is often an indicator that you have a thyroid issue, vitamin deficiency, or other medical condition.
Most people eat like crap and don't get sleep.
I think she meant she was more mentally exhausted than physically exhausted. It sounds like she sits at a desk all day.
@@Atrus999 Yeah, it can be both, though. Physical conditions like anemia can cause weird shit like feeling foggy and depressed. Not everyone is sick, but a blood test is simple and worth it.
That's exactly what was happening to me in high-school. I was severely anemic and vitamin d deficit. My mom constantly told me that I was lazy, and it got to the point where I wasn't even going out with my friends so she took me to get prozac. The dr decided to do bloodwork and figured it out.
No. She is just the new generation that doesnt want to work
I disliked her at first but after listening more, girl go to therapy. Everything is exhausting because you’re depressed. Get help girlie ❤
I noticed it at the first moment too. She looks like those people that are depressed without knowing it.
@@rodU65it sucks to be in that position because you feel like you can’t do anything right and don’t know why, I hope she gets help fr bc no one deserves to feel that way
I would guess it’s anxiety, mentally healthy people don’t rank grocery stores by how stressful they are
@@yaw295also correct! Comorbidity of the two is common, untreated anxiety can cause depressive tendencies.
Talk therapy had recently been proven to worsen symptoms on depression and anxiety. Obviously this is not the case for everyone, but instantly recommending therapy to someone could actually be sending them down a path that makes their situation much worse!
I really wish there was a British Caleb or he knew as much about the UK situation. I love this channel and would love to see how all his methods/concerns apply
That's a great future content idea to get him to do some Europe audits :D
This girl reminds me of myself before I knew I had celiac disease. Once I stopped eating glutten EVERYTHING changed. My personality, work ethic, energy level, mood, and day to day experience all drastically changed. I was in awe that this is how most people spent thier lives feeling like.
Very true
did you have any noticeable gastrointestinal issues or was it just exhaustion?? I’m trying to figure out why I’m so chronically exhausted in my early and now mid 20s
Same actually I used to feel tired just walking home from the bus.
@@Blaane15 to be honest, the standard western diet is enough to have that awful effect on the majority of people, never mind how awful coeliac must be! Just learning recently about how starch and sugar impacts your brain directly and it's shocking.
@@boinkadoinkk beginning 30s
alright caleb, im gonna nitpick.
when you ask the guest to give therselves a score from 0-10 you say “0 being the absolute worse” so when someone gives theirselves a 3 and says “well there’s people doing worse” it kind of is a valid reason to be a 3 because you said 0 was the ABSOLUTE worse
he isn't saying there aren't people in worse positions... it's the comparison to make yourself feel like you're doing well that's annoying.
"At least im not doing as bad as that guy"...
yeah I agree, a 0 is literally the worst. Like, they're not holding a job, they have collections, no place to stay etc. If two guests are both 0s, they should have some commonality to their scores - it's just a way to put people down otherwise.
But they've explained to the guest how the scale works. You get a point for each box you tick. Not an arbitrary rating.
@Mizius Right, but if he's gonna define a scale as "0 is the absolute worst you could possibly be" then the person gives themselves above a 0 because they are not the absolute worst they could possibly be,I don't see why Caleb is gonna fight them on that. Also the whole financial score metric in this show feels pretty pointless to me anyways, because every episode when he asks, they either say 0 and he's just like, "ok cool." and doesn't ask them to elaborate or anything, or they say something higher and he fights them on it.
His whole show is meant to criticize them more than help, just look at his thumbnails.
Imma translate what I think Caleb is trying to say about the feelings/mental health stuff: Feelings are real and are totally okay to feel, but sometimes those feelings need to take a back seat to your needs and responsibilities.
which I 100% agree with, even as someone who struggles with (diagnosed) mental health stuff.
Someone else in the comments put it the best I've seen and I now use their phrasing, "Your mental health isn't your fault, but it is your responsibility."
I agree. I will also add that life comes with negative feelings and they are a normal part of life but for some reason we are being told that we shouldn’t feel them. These feelings help guide us as well. I compare them to physical pain. For example, if my hand is being burned on a hot surface, pain will redirect my actions to reduce or avoid further harm. Of course I am not talking about diagnosed mental illness. That is something I am in no way qualified to comment on.
Well said. If you cannot deal with life's normal up- and down-feelings, get help. If you expect life to be easy and always fun, the problem is not your feelings but your thoughts and expectations.
Adding on to this: anxiety, the feeling, isn't a bad thing. It's a normal, human emotion that we evolved to have. Anxiety disorders aren't simply feeling anxiety-- they're disorders in the way we feel anxiety.
Caleb considers mental health an important issue, that why in almost every episode, he asks about therapy and consider it in the budget
Without a doubt, this year will be worse than the last. I lost a lot of money last year as a result of bad investment choices that I would not have made if I hadn't been so worried about my portfolio. I kept investing, but I couldn't determine whether to start paying for a house. In the end, I sold my positions, and the house needed more work than I had planned. I'm not sure how long I can keep going like this.
We've all made mistakes at some point. You should consider financial planning
True. My portfolio was diversified across several markets with the help of a financial planner, and were able to achieve over a million in net profit among high dividend yield equities, ETFs, and bonds. It is vital that you have a variety of exposure, including in firms that are currently generating cash flows.
Do you mind sharing your financial planner?
Leah Foster Alderman
You are most likely to find more info when you look her up
It’s crazy that he acts as if a full time job is lazy. We really live to work in this society.
If she's not going to earn more than $18 p/hr then she's going to have to work more than 36 hours a week.
@@jeffreypigeon At worst, she’s victim of being taken advantage of by her employer. She’s working a standard amount that is supposed to be enough to sustain yourself, American society is the problem. Working yourself to the bone to make up for where society and the economy is lacking is not the solution. Working herself to exhaustion and limiting her time so she won’t be able to learn new skills for a higher income also isn’t the answer. Caleb’s only formula is “eat sandwiches, work two jobs, and grow up”, not helpful for someone with mental/physical health issues. His fat ass saying to work two ft jobs like it’s natural, sustainable, or healthy is hilarious.
Yeah he did say she "barely" works which I would not consider 36 hours a week barely working, there have been people on this channel who barely work and she's not one of them, she just doesn't make enough.
And a lot of people misrepresenting her saying "that's exhausting" when she said working two FULL TIME jobs is exhausting. She's not taking about part time jobs... People just want to hate on this girl
@@jeffreypigeon And you see this as an issue of laziness rather than costs?
Feel bad for guests like this, seems like they have a good heart. They aren’t doing anything necessarily dumb just being loyal to a job they should not be in and falling behind. They aren’t like others trying to live lavishly. they just haven’t found a job they can live off of. Her life style should not be hard to achieve easily.
Caleb is too used to guests that aren't even trying to get better. She's simply ignorant, and went on the show to learn where to even start. Caleb was way too hard on her, but I think she'll turn things around. She seems smart enough, just needs some better motivation and work ethic. She needs to learn what she's worth.
Being loyal at the detriment of their own financial situation is dumb. Can we stop dragging feelings into this?
I was with Caleb ragging on her until she mentioned she doesn't have internet.
That's when I realized how dire things were for her
Sounds like she really needs to listen then. But instead she spent the first 15 minutes explaining how she'd die if she worked 15 hours extra a week
Doesn’t have internet, oh the humanity!
No internet is dire?😂😂
@@KenishaLebrun these people are fucking WEAK
In this day and age, not having internet is pretty dire. This isn't the pre-2000 era.
Caleb saying you should work 2 full time jobs is insane.
If you have more then $100 in debt 💸 you can’t afford not work two jobs😮 you need do what can get out hole 🕳️ and play catch-up
And calling her lazy for being like
Ive tried before and its very difficult
I could never wrap my head around working 2 jobs full time without the shifts hitting eachother.
@@Mrmysterious-dj1ov more than 100$??? So basically all 350million americans should be working 2 full time jobs... If you have debt that is so high that your biweekly pay cant keep up with it then yes you should do more work to get out of that hole.. But if you owe a measly 100$ you do not need 2 jobs.. wtf kind of extreme nonsense is that lol.
@@TheHollowBlade $200-$500 is a decent amount money 💰 you owe that amount you work extra pay it off
Major things that can impact energy that she might want to see a professional for:
* depression as a lot of people pointed out
* health conditions (food intolerances or allergies, autoimmune related conditions) which can also impact mood, motivation, and concentration. If you’re physically unwell, your body is NOT going to be emotionally or physically up for adding more strain to everyday.
I was tired alllll the time in my twenties with major brain fog and fatigue. I felt like a failure of a person because I didn’t seem to have the energy of my peers. Found out I had food allergies in my early twenties and then later multiple autoimmune conditions.
It’s not always laziness or a lack of drive. Some of us are battling invisible struggles.
Also, it hurt to hear Caleb say “You’re young and thin.” I heard that a ton alongside “Well, you look healthy.” Tell that to my bloodwork.
So to this woman: I’m sorry you’re going through a tough time. It DOES get better. Visit your doctor to run through blood tests to insure you’re not working against unknown factors! ❤
Yup. I'm part of the invisible illness club too. Hypothyroidism, heart condition, asthma plus EDS. If I can do anything fun after working a full week of full time hours we call that a win. Meanwhile my husband works full time then teaches martial arts for 6+ hours per week just for funsies. We are not the same.
Yep. I spent a decade being told I was "too young and healthy looking" to be complaining about physical issues. And that it was all in my head.
Turns out I had severe neuro and spinal issues. I've now had multiple major surgeries and just now regaining some functional life.
@@danacamp5437 oof sorry to hear that. Glad you got those answers ❤️
@@Draggonny Exactly!
Caleb, she's actually pretty low maintenance. Don't pollute her. She just needs confidence.
I do have to side with her when it comes to people don’t want to hire when your availability is low. Even if they are begging for workers they refuse to let you work from 5pm-8pm
Yes exactly. That was why so many people jumped onto Uber and doordash, but seems like now those aren't worth the costs associated with your vehicle. I did ubereats for couple years and stopped bc the offers were getting too upside down to even try any longer
But it sounds like she's working four days a week and has full availability the other three days. Three 12 hour days would double her current hours.
Disagree, she said she doesn't mind food service.
There are TONS of servers that legitimately only work 1-3 days a week. And only a handful of hours at a time. Picking up a weekend serving job working dinner shifts would probably near double her income.
@@JKRBWI think it's more likely she's got an hour lunch and another unpaid break if I did the math right. A lot of places don't schedule you enough when you're full time to make 40 with a lunch break.
Retail will hire nights and weekends!
I'm curious how many of your guests have been tested for ADHD or ASD? Could explain some people's compulsive shopping and eating habits. And in this case could also explain feeling "tired" due to ADHD fatigue or burnout.
👍👍
Sensory issues while shopping could be ASD
AuDHD
A 23 year old with no relationship or kids, she has no idea how much time she really has. She will never have more free time in her life ever. I agree with the lot of you she is on the cusp of severe depression
I’ve been having my fiance watch a few of these with me. After going really hard for 3 months, he finally paid off his two credit cards!
🎉good job 🎉
Legends! Keep it up :D
Caleb to this girl: get your boyfriend to take you out EVERY night!
Caleb to her boyfriend: you can't AFFORD to take out your girlfriend EVERY night!
Caleb with both of them: you can’t go out ANY night!
Find a Sugar Daddy, especially if being an intellectual isn't your forte.
Sugar bad for you 😅 it only end badly need work make own 💵 and do what can stay out debt and help yourself out
I feel like I could tell Caleb wasn't in a great mood for this one, he seemed a little unnecessarily combative.
Agreed.
Yes it’s kinda uncomfy. And this girl was really sweet!
😂 Caleb taking her having a hard time living at home with all those people and kids as her being a victim mentality culprit is such a dick move. This show has really gone to shit and lost the initial mission.
He acts like not doing every perfectly is being a victim, not being an adult etc. He’s acts like a complete asshole and has ZERO understanding of mental health that kills people every day in this country
After many months of watching your show, I finally came to a position where I was able to have a 3 1/2 month emergency fund, a savings account for my daughter, starting a Roth IRA, and no longer have to worry if money is in my account after rent is payed. AND I’m in a single income household. Thank you for the fear and knowledge 😂 feeling proud 💪🏼
Yess!!! Congrats!!
That is awesome!
Yay! That's a big accomplishment!
Congratulations!😊
You rock!
Petition to start asking people for their screentime whenever they say they don't have energy to do basic adult things.....
Someone commented this on another video, which prompted me to look at my screen time and it embarrassingly humbled me😭 can't make excuses anymore!
He should TOTALLY do this.
YES!!
THIS🙏🏻🙏🏻🙏🏻 everyone needs Caleb to see this
I am disgusted when my notification shows how much time I spent lol
Where can you find that on android?
If anyone is thinking about picking up extra shifts, just know it only sucks for a month or so. After that, your body adjusts and you start seeing the results of the extra cash flow. When that happens, motivation/drive kicks in, it becomes part of your routine, and it gets much, much easier. Do it. For sure, do it...
Not if you are already potentially depressed though.
@@QuantumR4ge I'm 41,and I've wrestled with depression my entire life. Keeping my hands busy is an important tool I use to keep depression at bay. I usually work 50+ hours per week, and when I'm not doing that I spend a lot of time learning things on YT. If I didn't do it, I'd go back to being locked in my head and neurotic. It's that important.
Caleb is like an angry woman the way he latches onto one thing a guest says and repeats it over and over.
Mom says I can't watch Caleb until i clean my room so I'm always sure to have it spotless just before 10am CST three days a week.
So funny!!!!
He is actually on the list of podcasts I play when I am doing house work.
Honestly I should do this to motivate myself to clean 😭
My mom actually wants me to watch Caleb to "learn," and I'm like "Yeah Mom, lets laugh at people who can't get their lives together... by the way, what are you cooking for dinner?"
@@EndingTag. I do cleaning time the same as I do workout time and art time. I dedicate a block dedicated to the task and I either do it, or just look at it needing to be done.
... I end up wasting so much time. But I do get some crap done that I need to be done.
There really isn't too much to complain about with this guest. She's not hooked on substances. Not trying to manifest some spirits with crystals to pay her bills. Not really even blaming emotional health for her status.
She just flat out is sinking due to not making enough money. Thats not entirely unheard of for a 23yr old with no experience. Work more hours and/or get a job that pays more per hour.
She's lazy and a complainer
@@airthrowDBT How is she lazy? because she works 36 hours? a hairs width below what every other western nation considers a full working week?
@@airthrowDBT That's what they said. Not much to complain about, not nothing but not much. Most 23 yr olds have no experience and aren't earning their full potential. She's just like most kids. Not perfect but not terrible.
@@Idontwantahandleiresentthis She is not a "kid", she's a 23 year old grown ass woman.
@@QuantumR4ge Yes.
the lack of goals and being exhausted sounds like depression. ):
I feel like Caleb was extra grumpy in this episode. But maybe it was to make up for the guest not being loud and crazy lol.
Is she getting 8 hours of sleep?
Is she exercising?
Is she getting the correct nutrient and vitamins?
Does she drink excessively?
Is she depressed?
There are lots of factors that can lead to people being low energy and sometimes it takes knowledge in order to break through.
Real Estate is a HORRIBLE idea for her. She has no cushion to draw on while she gains experience. It'll be a disaster for her.
I agree, my wife is a realtor, but I can pay all of our bills with my income alone, whatever she brings in is extra, but she essentially took about a year or so off while pregnant and after our twins were born which I support, however now she is busier than she has been in a while, 3 houses on the market, 2 pending under contract, another going on the market in September and possibly 1 more in between, but she doesn’t understand the license costs money every year, a lot of real estate firms require a monthly desk fee, you have to buy your own signs, you buy your own key boxes and also pay a monthly subscription to use them. And if you take time off, you are still paying those fees! She doesn’t make enough to cover the expenses of working in that field
She can get a real estate license and become a realtor, but she’ll never own property.
@@Sniperboy5551 In all practicality, she can’t become a realtor. She has zero work ethic, no contacts developed, no cushion to live on while she waits for these theoretical sales AND has not taken into consideration the new ruling on realtors assumptions regarding 50/50 split of a 6% commission, etc.
The idea of her owning property herself is a separate question. (And as good as real estate ownership can be for some people, or Dave Ramsey zealots-it’s just not for everyone. Period. It doesn’t play to everyone’s strengths, is so location dependent, requires real foresight & planning, etc.). There are plenty of ways to develop personal wealth that have nothing to do with real estate.
@@Uncatchab1eit can be supplemental income
She does not grasp that being a real estate agent is 100% commission - ZERO steady income.
“It could be worse” needs to be on a shirt at this point.
Need this shirt... Thx for the inspiration 😊
It's the current administration's campaign slogan.
😂
@@michaelweyenberg6238😂
Over a picture of a dumpster fire😬
I won't call this girl a brat. She just looks a little depressed.
How did I just find this channel? This is pure gold.
I’ve recently started to look at my spending and found money being bled out on bs. Hard to notice when you’re not desperate for money but even if it’s not a lot I’ve started to stop the bleeding because having more money at the end of the month is always a plus.
"It could be worse," right off the bat! This'll be an excellent sweet treat.😂
Ughhhhh
@@CalebHammerIt drives me nuts how the same people talk about their struggles. I so badly want those ppl to know *yeah* worse could be physically unable to pick up extra work. If it gets worse you'll struggle even more to fix it.
I have disabilities and couldn't do extra work, but even then I'm not saying "it could be worse." I'm fighting to make it better. Idk how some of these people get hit with reality and don't join us in actually living in it. There was a wake up call but seems like no one answered the phone
I sympathize with her. Working service jobs means you often only can get 30 something hours but still 5 days a week so it's 6-7 hour shifts, all on different days, and different starting times. No consistent 2 day weekends. And it is exhausting.
Put your foot down and say you have some kind of obligation on those two days every week. They need employees, they’ll swap other peoples’ days around to accommodate you if you’re a good employee. That’s what I did and it worked out. It’s like that Spongebob episode about being assertive, be assertive!
@@Sniperboy5551 Op makes a point about jobs only hiring if you have open availability. And it's true. So it's tricky if you need a second job.
Untrue, many Retail positions are open to availability that is restricted. You just have to apply. How else do you think so many high schoolers can only work after school get jobs?
I went from a limited availability to open availability down to only available for 1 day a week.
You got to be willing to work Part time. It's not required to have a second job that is Full time.
@@Sniperboy5551 how quaint
I schedule my staff however they need.
36 hours a week?!
Lemme walk you through my day. I drive a freezer truck for a frozen pizza distributor. I get up at 2am(1:45am on fridays) so I can get to my truck by 3-3:30am, so I can get to my first delivery by 5am(4am on fridays). I'll finish my route between 11am and 1pm, depends on the day, and then I have an hour+ drive back to park the truck, then an hour drive home. Bed by 6pm so I can do it all again the next day. All the while, I listen to Caleb yelling at people about needs vs. wants.
36 hours is nothing.
I relate to this guest so much! We truly have so much in common. I feel like she has chronic depression like me, which makes every aspect of life exhausting and draining. I wish this guest the best-- going on this show is such an amazing first step. I'm glad she hasn't given up quite yet. I hope she follows through on all the advice Caleb gave, and the budget he made.
To be honest, she wasn't nearly as insufferable as most of the people that come on this show. I wouldn't call her lazy,, more like scared and hesitant, and I think she actually really needed this conversation and some genuine help. I see her trying to make her situation better, even though she might luck some morivation and maybe even some... audacity? to do it. I think what actually holds her back isn't laziness but indecisiveness. I really hope she will turn her life around after this.
Pets are great but holy crap a lot of people can't afford to have pets.
Between insurance and cheap ass food for my pup I spend a minimum of $150 a month
I spent thousands on mine. Worked a job where I had to work away for weeks at a time, and had to pay for boarding for them. That and fresh fruit and quality food, plus specialist vet check ups.
I will skip meals and eat shitty quality food, but they get only the best. I promised them a good life when I adopted them. It's to the point now where I ask upfront in interviews that if I accept a role (lots of away work), that they are able to come with me.
Thats so sad because we want to adopt dogs and str cats but we just can’t afford it 😢
Take care yourself once a millionaire in your 60s then get a dog or cat 😂
"Sacrifice usually is called sacrifice because there is something you're sacrificing." - Caleb Hammer, greatest poet of our time!
As an older millennial, feelings have been weaponized. Feelings are valid, dont get me wrong. Everyone slips and lets it show. Its just they are now becoming socially acceptable to justify getting out of things. When it's a conceptual thing that doesn't need any type of proof, it's way too easy to throw it out to avoid accountability.
Everyone and their dog is getting a real estate license nowadays
Yep, can confirm my dogs did
I used to work as a leasing agent. Even for leasing jobs they are starting to require real estate licenses. Its insane
Ngl, I would buy a house from a dog realtor.
Make a TV show called The Dog House. Lol
I read a few months ago that there’s more licensed realtors than houses on the market lol
Of all the out-of-touch and unhinged guests that've been on this show, this one doesn't deserve the Wrath of Caleb. She's trying, but really needs some help figuring things out. Ignorant, but not blissful about it.
She's more blissful than she should be if she's not doing anything about it because her emotions have space in high society to matter.
@@GRAYgauss I don't see blissful at all. I see a young person who is overwhelmed and wants to take the right steps, but needs some help in being pointed in the right direction as well as a gentle but firm reality check. A lot of the harsh realities of the world hasn't quite set in yet for her. Also, anxiety and depression can make people seem more complacent and happy than they actually are.
He went all out for content on this one
This poor girl has no motivation. She’s waiting for someone else to hold her hand and tell her want to do. She’s never going to get along in life which is sad. She seems depressed
She’s not doing bad for 23 . Most of the episode was scrutinizing this person with a less than ideal but fixable financial situation. And not actually budgeting or helping her at all .
She slow burning her way ending up like a lot of the older guest in their 30s
@@jordanbranum327 eh , her spending isn’t bad . She just needs to make more money . That’s the main issue in this video . She needs to take the steps toward making more money .
not the blue hair clickbait when she literally donates to a christian radio station
😂
She's adorable AND based. That's awesome. Wife material for sure
@@martymcfly88mph35 nice pfp.
@@fetusthegreat9797 thanks brother.
She doesn’t strike me as the person who wants a career. I think she wants to not work and just have a family, but I doubt she wanted to say that to Caleb.
It never ceases to amaze me how many times I hear people her age equating hard work with damaging their mental health.
She was right there Caleb. Walmart website prices are higher than in the stores. There is no fee but the prices are higher on website says right in the website “online pricing”
Finally a sane person on this show. The way she describes her "energy" problems is a classic sign of depression.
It drives me nuts how judgmental people are being towards her. She's clearly fighting to get things figured out.
Came here to say the same thing, she described exactly how I felt during my depressive episodes. I hope she can find proper help.
That’s what I thought too. Surprised Caleb didn’t catch onto it, because he’s usually good at noticing it. But he did say he was in a mood!
@@haydenhuh2exactly what I thought! She trying to do something with the real estate. I don’t think it’s right for her based on what I heard, but she recognizes that she needs to do better and is trying to find a path. I think Caleb let his mood get in the way and might not have caught that there may be a depression issue here.
That’s all fine and good, but she’s still making excuses for herself. Struggling with mental health is not a pass for bad choices.
"you can't afford a single boba ball" 😂😬
That made me lol
“If you want an outcome sometimes you have to do things” - Caleb Hammer
one of the viewers on the Whatever podcast gave you a shoutout on the superchats the other day! Love your show. Very insightful
I have sympathy for her and anyone living alone her age. Living in a min wage or even 25 an hour is hard. She can’t go to college and even her brother is struggling. Obviously she’s an “adult” but honesty the economy is difficult and the parents should be ashamed for having drama and ruining a relationship and now their kids are left on their own. Needing two jobs shouldn’t be normal.
Lots of parents now are like that. I don’t know what has happened. Yeah everyone has their faults but like many parents just don’t get on the hard work towards the later years of their kids lives. I love my parents I’m 27 now but they have been giving me hell in terms of taking my money. I had to lie and say I was in student loans just to stop them from taking my money.
I’m moving away with my girlfriend next week. I only told my parents a couple of days ago. I know if I told them earlier they would come up with an emergency to stop my plan from happening. It really is hard luckily I have had help from my girlfriend of 5 years and we have been planning this for 2-3 years now little by little with our savings.
2 income is the standard now whether or not the "household" is 2 people 😢 I'm currently looking for a second job to be able to support my mortgage by myself
Gotta love inflation and “Bidenomics,” whatever that means
Two incomes have always been the norm even with an advanced degree. I had a side hustle until I was 40.
She seems like a very sweet girl.I think seeing a therapist would help. She is young and I am sure she will figure things out and have a good job one day and be financially stable and happy.I wish her the very best.
I’m surprised I never hear him suggest EBT/food stamps. She seems like the perfect candidate to apply. Helped our family through a tough time.
Sometimes when I watch certain episodes, I just think that Caleb could really help people more with a less "suck it up" approach and more directly addressing the root of the issues. Feels like often people showing up with bad finances aren't a "Taquitos" or dumb financial spending issue. But due to some period of mental or (sometimes not knowing) health issues, or being exploited because of naivety. This seems like the latter situation.
I usually side with Caleb when it comes to being real and harsh with guests but this episode feels overly cruel. I think she's clearly struggling with some health issue (be it mental or physical) that's affecting her energy levels.
It's also wild to me (as a UK citizen) that working 36 - 40 hours is considered "not working hard enough". I've worked 3 jobs at once before and that nearly killed me. America is insane.
Agreed. He came across pretty harsh here 😔
You would really be surprised of the amount of workers here that don't even get a weeks vacation or PTO in their job. America, land of slave labor for majority of the citizens
Agree as well
Wait until you hear about our paid, sick and maternity leave policies!
its considered not working hard enough because shes making a tiny amount of money, and drowning in debt. but yea the US is definitely crazy
She’d be better off learning a trade in the medical field like an ultrasound tech or xray tech 💀
It is very difficult for me to regularly hear about stress and mental health. It's not to say it doesn't exist but it now seems to be an excuse for everything. When I had children I worked part time at a low paying job that let me bring my kids. My husband worked not one, not two, but 3 jobs. Yes, it was rough for awhile but we both have good paying jobs and now own our home and a vacation home and are looking forward to retirement. Hard work, not excuses get you to the finish line.
Blows my mind that people "have" to get a second job. Denmark just implemented a ban on working more than 45h a week, everyone has to register daily their working hours. The usual working week is 37h here. The fact that you cant live on that in the US is insane.
I’ve called my insurance countless times because my literal cancer treatments were getting denied. If it matters, you will do it.
I’m so sorry. Insurance is such bullshit.
Bless you. Dealing with insurance sent me through a metal breakdown after a car accident.
I'm so sorry. Insurance is so obnoxious. I hope you get better soon ❤
OMG! Insurance is just evtl sometimes, I'm so sorry, you had to ge through that. Get well soon ❤
Holy shit!! Your healthcare system really sucks!!! I had cancer treatment and never for a second had to worry about those bills. (Living in The Netherlands)
No way I'm the only one who listens to this in the background while I'm budgeting and working my finances.
One day you're gonna accidentally write one of the guests debt into your budget lol
Ditto 🙋♀️
@@marktsimpson2663 jiggly puff 😂
Olivia is such a sweetheart. Poor girl, I really hope she can figure this out and really better her life. Best wishes to her.
I love that everyone thinks that Caleb is gonna have a magic trick for them. THAT'S WHY I'M HERE!!! Yeah, then you have to go home and do the work. Talking to him for an hour doesn't cancel your debt.
you were a little harsh on her, Caleb. She's not a bum and she is pursuing other avenues. some positivity would have went a lot further.
I bet Caleb didn’t work 80 hours a week like he trying to say.
U can't be serious. This lady is lazy
Glad I wasn't the only thinking so. I think he was definitely grumpy from what he had earlier that day like he said. Her saying she's doing everything she can probably is what set him off
@@abdul30077 Working a full-time job isn't lazy.
It feels like she’s depressed. She shouldn’t feel so tired and trying her best with doing so little.
Muh depression
What woman isn't depressed is the real question.
@@PetaBread27 one that is spending a man's money
@@firstlast8258 You don't think depression exists? you have some strong sources for that i hope
@@firstlast8258 you sound like an incel
$159.91 at Firehouse? How can you gloss over that without asking about how someone spends that much at a sandwich shop?
Austin has a veterinary chain called Firehouse. The amount charged and the category listed as "Services" (and not something like Restaurants or Food) on the statement makes it seem that charge was for a vet visit for her pet and not for lots of sub sandwiches. Probably she didn't catch that either as Caleb didn't say how much was spent and would have clarified had he mentioned so.
"You don't have two Discover It's, do you?" I felt personally attacked 😂
Caleb, we come here for the tough love. Keep up the good work!
Caleb running an ad 6 minutes in but never realizing a business won't put together a grocery pickup order for free is kind of hilarious.
Even with Walmart curbside pickup being free, when you are putting together the shopping cart it intentionally has the name brand and higher margin products listed first when doing a search for products. It seems to be intentionally making it harder to find the cheaper products that would shop for if actually shopping yourself in store. Kinda how marketing suggests to put those items on eye level shelves in the stores.
Where I’m at, Safeway actually has way more deals available if your order for pickup so it does save me a good amount, which was surprising for me to learn
@@eesparza92yeah i 2nd this safeway doesn’t markup curbside and all in store deals are available online. i still usually shop in store because i don’t like other people picking my fruit and veggies but i build my whole shopping list from their deals and sales on the app before i shop and always save at least 40%. i go to costco 1-2x a month as well but buying meat at safeway has been cheaper than costco lately since their deals have been so good
Yeah but it’s an excuse. Even if she paid the fee for pickup she’d still be paying less than what she does eating out all the time. Her excuses are just that. Excuses.
Caleb my husband and I are down to 1 credit card with $900 left 💪 after we pay that off our only debt will be our mortgage. Feels great!
That’s awesome!! Best of luck for you guys. 🙌
Hell yeah! Keep rocking it! My wife and I are debt free and closing on a house next month...
Yay 😁 👏
WOOOO keep going! Don’t forget to celebrate at the end!
This maybe a very unpopular opinion but don't close the card but do pay it off to like 250..... keep it cuz US needs a credit card for everything!! run it up 15-25% and pay it back down very month to get your score up.... it can save you thousands for cars, hotels and flights.... do you have an emergency fund and hows your retirement fund looking
Look, she has a low income and is making some poor decisions, but caleb was in SUCH a bad mood in this one and feel like he brought it on set 😅
We are definitely going to need a follow up. Hope this episode helps her out and she pulls through