Professional Victim Is Pathetic | Financial Audit
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- Опубліковано 19 лип 2024
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Chapters:
00:00 Job and income
04:55 How does she believe this?
10:00 This can’t be the pattern :rotating_light:
15:36 Rocket Money :rocket:
17:00 Her reality is delusion
23:03 She is insane :blue_car:
28:00 Her GF is manipulating her…
30:43 Geologie
36:58 Your world view is KILLIKG you!!!
41:24 Mental health can’t be the ONLY excuse
43:40 You’re not going. End of story.
49:00 Find a new girlfriend :x: :woman-gesturing-no::skin-tone-5:
54:00 Bruh you are sooo negative..
59:00 Cigarettes are NOT healthier :smoking:
1:05:58 Addicts for life
1:08:55 High Yield Savings
1:10:10 You need to budget
1:17:15 This will take you over a year
1:20:15 Hammer Financial Score
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I spill the tea about my past AND my producer forces me to play the trombone for the first time in YEARS in today's post-show: ua-cam.com/channels/Le_q9axMaeTbjN0hy1Z9xA.htmljoin
I absolutely love that you play trombone. I have played trombone for the past 15 years. Unfortunately, i was in a car accident, so i can no longer play. It is so good to see a fellow trombonist who loves music so much. It may not be a main character instrument with parts written for it, but it is important. I was in a trombone choir for many years. I miss it so much. Have you thought to play in a community band in your city? It is a great way to keep that music alive and play music with a ton of great people! Never stop playing!
Fabulous!
Caleb looks like a trombone player. Super cute 😍
@@Madamchief Trombone ! In High School the band instructor encouraged everyone to play the trombone, and "play hold that tiger", the football pep song. So my brother practiced hold that tiger every day.
@@cubiczirconiabeard5366 that's awesome 😂 trombone is the most fun!
I hate it when my generational curse makes me go on vacations.
I chuckled. 🤭
Top comment.
😂
We wuz kaaaangs and shiet bruh
I wish that was my curse, I need a break 🤣🤣
Saying she’s alone and doesn’t have anyone to help her whilst living with her girlfriends family and using their car every day is crazy
I was thinking the exact same thing like bruh you’d be homeless and unemployed without them ..
It is easier to blame others than yourself, because once you blame yourself, you actually have to take responsibility and change the situation
Yeah :/
This is the strong independent narrative all women are running with nowadays.
That was my immediate thought as well. Like girl, even if you might not be close to your family, it definitely sounds like you have support from those around you.
I’m realizing that as long as people are physically able to live as if they aren’t poor, they don’t feel poor and they don’t see the severity of the situation. She’d feel poor if she was under a bridge and counting pennies for lunch, but she physically can pull out a card and fly to Puerto Rico and she can eat at restaurants and live in a air conditioned home. She doesn’t feel poor, so she’s not acting like she is. But she’s mathematically much poorer than the homeless guy under the bridge.
My 38 year old daughter is disabled but is able to work part-time to supplement her disability check. (She caught an unknown virus when she was 2 that wrecked her immune system) She lives on $1,400 every month and feels bad about her position in life BUT she has no debt. In reality, that's a lot better than her friends who are able bodied and working full-time and drowning in debt. Zero net wort is better than negative net worth. When I explained that to her, she felt so much better about herself. (I bought a small house for her to live in and I don't charge her rent. She pays the utilities. I paid cash for the house so no mortgage.)
@@teresahunt5521that’s awesome, glad you were able to do that for her. And glad she’s doing her best to be a productive member of society working part time. 😊
@@maxhalley4373 Thank you. It took a long time to finish college because of her disability. When she got her first job in banking, she ran out and bought a new car. It got repossessed when she got sick again. She learned that lesson the hard way. We are now looking for a vehicle that will get her from A to B. The Rendezvous I bought her several years ago finally bit the dust. For now, we share my 09 Rav4. I drive it Mon morning through Fri afternoon and she drives it on the weekends when she works. She always works holidays. I never work holidays. It's not convenient but doable while we look for something.
@@teresahunt5521Thank you for being such a great Mom! It sounds like your daughter is a lovely person who has already thanked you, I just wanted to thank you as well. It's so nice to hear some positive. Thank you for that as well. Have a wonderful day!
@@teresahunt5521 just wanted to say your daughter is doing a great job and she shouldn't feel bad at all about her situation. And you sound like a great mum.
Her generational curse was her mom never showing her what it looks like to be an adult and make adult decisions.
Sprinkle in fatherlessness somewhere in there
Bingo
@@snakejazzding ding ding
facts she also needs to stop taking her moms advice. my mom is in her 60s and still is poor blaming generational curses on her bad decisions. I was doing good til i moved in with her during covid and ruined my entire life. i would have been better off living in my car. Now im still paying for taking her shirt advice meanwhile she's homeless im saving money trying to get better and my old life pre covid back.
Haha
57:43 ”Be gay in your own house it’s free. You don’t need to go to a club for that” 😭😭😭
Who doesn’t know someone who needs to hear this? 😂
Damn.... I been paying the gay tax for 12 years and it turns out it's free to be gay?
To be fair there's some segment of gay people who don't know it's a bad idea to have piss orgies with 50 strangers.
best quote on this show😂
Clubbing is biggest waste of money even if you have to cash to do so. You spend so much just for dancing and music and alcohol. Like I do go clubbing, in my basement with a bottle of what would be the same cost per drink out at club.
1 year of Caleb, started 12k in debt, now 15k positive and ZERO debt! Get a side hustle!
I lol'd because i expected 15k debt. What a bait n switch. Congrats.
Start investing and make your money work for you
Congrats I’m in that much debt right now (12k) what’s your side hustle??
Way to crush it. Great job!
Congratulations 🎉
“You can’t afford to get drunk” is the best advice I’ve heard for a while.
"I don't like it when money comes out of my account" GIRL what a line
I know!! 🤦🏽♀️ 😂😂😂😂
And I thought I was bad with money and I'm a drug addict...
It just disappears .... Poof!
Getting a new car to avoid an $800 repair on a $12k underwater car - brilliant
INSANE, hahah.
My coworker did this. The AC was going out and had a big crack on the windshield.
Solution? New 35k dollar vehicle.... yeah that made sense to them somehow.
It's justification. People who do that want a new car but use the repair cost as justification. I know people who would do that. Even I catch myself in that thought process sometimes.
And to say a Honda isn’t reliable is crazy
And Hondas are reliable, I bet her GF has convinced to get new
"positivity is not a bad thing but when it blinds us from reality, that's where it starts becoming dangerous." That's a profound comment if I ever heard one.
Petition to have Caleb sell this on coffee mugs for his merch store!
I work in the er as a nurse. Before that I worked as life flight medic. It's sad to see patients over years get fatter , smoke more, not control blood pressure and blood sugar. The would call 911 when they couldn't breathe, were having chest pain etc. We would get them stabilized. They would be back in 7 to 10 days same problem. Eventually they would be too sick to save. I would hear their family saying "it's so sad, they were so healthy and so young" people live in fantasy land
Toxic positivity the phrase
Too much of anything, even a good thing, is a bad thing.
She needs to feel bad otherwise she's not going to change. It's not harsh, it's reality.
I agree what he says about mental health. I have ADHD, been diagnosed with Major Depressive Disorder, have an eating disorder and what I have learned is this: I am my own responsibility. I am the ONLY one who can decide to be better. I can not use my mental health as an excuse to get out of anything. It's unfair towards the people around me and it's unfair towards myself
same. that's why i'm single.
Refreshing to finally see someone take accountability and understand the situation. Been a lot of delusional clowns lately. Hope she succeeds
One thing is saying it, doing it is another
"BE GAY IN YOUR OWN HOUSE, IT'S FREE" has to be the top line this audit
If someone ever makes a montage of the best FA lines, this better be in there 😂
A lot cheaper than painting and re-painting crosswalks.
I laughed out loud on this =-)))
I need this line on a T-shirt
@@NoeleneOray2 I feel like it'd be misunderstood.
Caleb saying “Your world view has failed you” sounds like some Obi-Wan to Anakin dialogue
Caleb has the high ground
You supposed to pay the debt 💸 not go broke you become the thing you swore to destroy 😂
@@Mrmysterious-dj1ovFrom my point of view financial freedom is evil
@@Bubbles-co5rd you have done this to yourself 😂
You're either going to pay for me, or your my enemy.
He’s much more effective when he actually has a conversation with a guest and actually educates them. This was a fantastic episode. Much better than just yelling and yelling..
Helps when the guest is actually receptive
well when they don't listen....
If money isn't important to you, don't ask other people or the government for it.
One thing overlooked is how entirely dependent she is on her girlfriend and her family. The family is basically enabling her behavior by giving her transportation, $250 rent, most likely food and other freebies living there. All it takes is one argument and a breakup and her life is literally in shambles
Well, she will just manifest a new, better girlfriend. 🙃
@@superbigblackdead😂😂😂
$250 rent is a DREAM as someone who lives paycheck to paycheck 🥲
She is Shameful exploiting others and trying to appear nice but I feel she is disgusting. I hope the throw her out. Such a child. Living off beauty entitlement.
@@superbigblack a large portion of Caleb's guests are trying to manifest a wealthy partner to save them.
“Be gay in your own house, it’s free”💀💀💀💀
As a counselor, this girl is simply not equipped for the profession nor would any amount of college facilitate what is lacking until she grows in maturity. Idc how harsh that statement is, I’m all for people wanting to be positive and having aspirations; BUT there’s a reason why everyone isn’t a doctor or a lawyer.
Yeah. Discipline.
Wow this really turned around, was not expecting that. She really started being honest and opening up. I feel optimistic for her
So Mom is super spiritual and says money comes back 10 fold but she’s broke. How did this girl think that was a good way to live????!!!
I think mom is taking the Bible too literally.
There is nothing wrong with the bibble you need to read in full. In short words. It tells you also work. People work 6 days a week. Spend little. The reason you give 10 percent is to teach you about giving. You can't be all work and save. Honestly, all religions, if you follow it correctly, you don't end up poor. It promotes working together. Not over spend and help others. This key things help families grow. But people buy things you don't need and don't like family and marry without God and have breakups that cost lost of time and money
Because vulnerable people are taught something called the Prosperity theology or Prosperity Gospel. It is a way for churches, especially Christian ones, to ask for money (often in the form of tithes) then claim god will send them more money back in return.
Because c
She have no judgement ?
@@janeandrews1790I will never understand black Christians. They were forced into it to make slavery easier lol
Generational curse? Gotta carry madame Zeroni up the mountain.
The way I spat out my drink when I read this
Top 5 favorite UA-cam comments of all time
10/10 comment
Lols this comment!!!
She stepped under a ladder, walked past a black cat and broke a mirror guys. It’s not her fault- she got 7 years of bad luck!!
She seems like an unbelievably sweet girl. I wish her the best, honestly. Some people have enough " tough love " in their life from just growing up. She only needed sympathy and a better example.
It’s honestly sad to see how many people were not raised by people who taught them how to be financially responsible. This is why I feel it’s so important to teach this in schools. I’m so glad you made this channel!! I know I’ve learned a lot.
I was taught budgeting in school but it was in Home Ec. Not every student takes Home Ec. There should be a class that all students take.
genuinely THE BEST piece of advice i've gotten in all of K-12 was in my economics class when they told us to never use a credit card unless you're 100% positive that you'll be able to pay it off within a month. i think a lot of people don't realize that it's not free money and if you don't pay it back it WILL accrue interest and you'll pay way more in the long run
The belief that things come back to you tenfold is when you are generous to others it comes back to you. Not you spending on yourself.
i literally thought this exact thing when she said that shit 😂
That's how you get taken advantage of.
@@Melonhome_ytreally depends on who you are helping out and being generous to
😂😂😂😂
@@rudy8409 True. Just gotta keep your head on straight and know the difference.
Took the day off of work, ordered some DoorDash using my 36% compounding interest credit card, and just took a mortgage out under my kids name. I’m ready for this episode
good one....
If you have time stop paying for your car and buy a new one in your Mom's name.
But it’s ok because money isn’t real!
I hope your card was over its limit and in your kids name.
Should have added that the day off is unpaid.
Thank you for dialing it back a bit with the thumbnails, love your content and the work you do, thanks for helping me develop a healthy perspective with personal finance
In one year my wife and I paid off over $35k in credit card consumer and auto loan debt. Now we are sitting very nicely with just a mortgage at 2.8%. Stacking money towards our emergency fund. In the next 5 years we will have a healthy retirement account on our way to paying off our home.
Pay off the home before stacking a retirement account.
@@mowtivatedmechanic1172 if I had a 6% mortgage rn I would be.
If this girl reads this comment- I’m an auto tech and don’t sell your car and mess your finances up even more. Your honda is just as reliable as a Toyota, one of the best cars on the market. Fix the car and drive until the recall. There’s very little signs of a “bad fuel pump”. Usually when it’s bad, the car won’t turn on. If the car turns on then it’s working and driveable. I think you’re convincing yourself you’re in a deeper hole than you actually are (car-wise).
And the cheap cash car you plan to buy will be older and come with potential issues, just like a bad fuel system or lots of wear and tear maintenance that will add up
Great advice. And the gf’s parents even offered to pay for the repairs! And are getting tired of the non-paying adult children, so starting to charge rent.
Thank you for commenting this it helped me haha now I know for the future
People really need to stop bashing Honda and listening to people who just want to make money off of them. Honda is a great, long lasting car. I've had my accord for 12 years.
Yup I've been dyno tuning and modding cars for almost 20yrs and you're spot on. Fuel pumps don't start going bad. Best to just throw in the money to fix the car. ECM going bad is possible but I haven't seen that to be too common with Honda. Toyota and Honda with basic maintenance run great for many years with no issues. 🤙
Has no money? Lives with girlfriends parents, uses parent’s car, doesn’t pay any bills and thinks it’s just going to go away. No money but goes on vacations, buys clothes, eyelashes, fast food, goes clubbing, etc.. this is not the world’s fault, this is all on her.
You're wrong, she said it herself, she is being kept down, no amount of effort on her part can fix that
Those parents enable the shit out of the bum girlfriend
Lack of accountability, thy name is modern woman.
yeah, but tiktok says other wise 😵💫
oh oh oh oh she's a princess.... heard the theme song when I saw that. She's leeching off others and needs to get cut off and clean up her act. No b*tching, no whining!
I was a two pack a day smoker. The money that I saved by quitting was essential in allowing me to cash flow my university education (Canadian here - Uni costs a lot less for us). I quit over 10 years ago and have never gone back. Such a waste of time and money. Addiction is a powerful force.
Best of luck to you, sister, you can do this!!💪💪
I'm a nurse and it sickens me at vast number of poor people who smoke a pack a day and drink booze every day. Literally burning and pissing away a fortune in principal and compounded interest.
The generational curse is irresponsibility and ignorance breeding irresponsibility and ignorance. Until someone breaks that cycle it will perpetuate indefinitely.
“Money’s not real.” “It could be worse.” Oh boy, here we go again
She just activated his trap card
Unrelated. At a quick glance I thought this read: "Montreals not real. It could be worse."
Grab those bingo cards everyone
Whenever I hear someone use the word "manifest," I know it's going to be an interesting episode.
It's another person that doesn't realize that money is a physical representation of their time, efforts and abilities.
A voluntary repo is not really a thing, it is just a regular repo where you don't get mad at the guy picking up your car lol
Yep. And they still sell your car at an auction for wholesale price (at best), and sue you for the difference. Not a great deal
You can take it to the bank too. And drop it off.
@@mowtivatedmechanic1172 You can but will still owe however much is left after the bank dumps the car at auction.
Yeah, but it's better than trying to drive your car off the tow truck.
@@Opethfeldt true, but that’s a pretty low bar 😂
I want to give her a hug. I really really am rooting for her!
As someone outside the U.S. without debt It's unbelievable (and unbelievably amusing) to see how many Americans literally live on debt. The thought of "I can't afford it" automatically turns into "I will use (one of) my (multiple) credit cards and do it (/ buy it) anyway"
All Americans aren’t like this but far too many are 🤷🏽♀️
Kind of funny whenever I see this comment “As a German, ….” I know a condescending generalization is coming. And you nailed it.
@@davidminutella True, it doesn't matter that I'm German, I will fix that part. But this channel literally shows Americans who live waaaay beyond their means, "funsing" it with CC and is based in America (duh). So I know it's a generalization but Caleb also adresses it, nobody gets taught fonances, most of the partners and parents of guests are in similar situations (according to the guests) and the average American has a shitton of CC debt . The U.S.A. is the country with the highest median credit card debt (about double of 2nd place, Japan)
It's an unfortunate part of the general American culture. The people pushing to get out of debt and improve their personal finance, that's a small subculture. It's completely backwards and makes for some captivating content. Calebs approach reminds me of Dave Ramsey and it's the type of no bs coaching that some people need to hear.
I'm one of the (few?) Americans who never went into debt. Schools should be teaching finances, budgeting, and making sane choices about money.
Social Media contributes to the problem, as everyone wants to show their successful. "Keeping up with the Jones" is a real thing with too many people.
It feels like this is most people in America.
"I don't know where all my money went. The world is against me. It's the government's fault."
5 minutes later
"I went on a vacation to Puerto Rico recently. It was fun."
inflation is a problem here, but after being a regular viewer of financial audit, i think many americans are making it harder on themselves.
At least I had the money, some people will also say
Don't forget about the immigrants.
@@juanvaldez7279 Being replaced in our own freaking nation is a problem you monster!
Technically, 40 year high inflation is the gov fault.
She has put herself in an incredible dangerous situation where if she and her girlfriend break up she is homeless, will shortly be jobless as she can't work from under a bridge, has no transport to go to the office, and being unable to pay her car bill that will be repossessed. She fucking better make that relationship work till she learns to stand on her own.
That gives me second hand anxiety to think about this level of dependency.
She won’t. She will be homeless and on drugs at this rate.
You can just say she’s incompetent
I clocked that too. Its probs a big reason why she doesnt ask for her money back. She feels she owes the family already
This is how a lot of people get stuck in DV relationships. The abuser knows that the victim has no choice but to stay with them so they feel they can do whatever they want….and many times they can because the victim is afraid of their own financial consequences.
“Be gay in your own house” made me burst into laughter in a really quiet office
I don’t think her girlfriend’s family are mistreating her if she’s only paying 200/mo in rent. I just think the girlfriend has bad financial habits just like her.
When Caleb talked to her about world views and about her mattering, that was the first time I’ve actually cried during an episode. You can see how much he genuinely cares about people, their finances, and their futures. Keep doing what you’re doing Caleb you’re changing lives.
This Caleb is the Caleb that got me to subscribe. This Caleb is the Caleb that is so valuable to the world.
I am many decades into adulthood, and I often don't feel very mature. Then I watch videos like this and here I am adulting all over the place.
But to be fair, she is very young
@@oz_jonesYes, she is.
Yup, she makes enough money to pay her bills/debts if she really wanted too…She’s just been choosing travel, vacations, going to clubs and having fun over paying her bills.
Then says it a “generational curse” that she doesn’t have money. 😂😂
Hope she eventually grows up soon and starts taking some personal accountability.
@@oz_jones She is an adult though and should be past this childish phase.
Same af 😂
i made so many bad financial moves in my early20s, but thankfully(?) it was due to duress + not knowing my other options as opposed to choosing to make dumb decisions. at 28 now i’ve got my emergency fund, just over 2k in investments (not much but i’m not in debt anymore so it’s only gonna grow), credit score is still in the garbage but i have 1 more year until the old collections come off and i haven’t made any bad decisions since, so i feel confident in myself going forward. we can all do this no matter when you start!!
Why do these people who believe in make believe ideologies like astrology and manifestations always want to be psychologists and counselors? These are the worst kind of people for that
I've learned in psychology is it's their way to cope. Feeling that changing something in the exterior will heal what they feel inside. Lots of patterns that lead to internal conflicts that they are crying for help but see it as venting.
“I don’t want to be indebted to people.”
Um, chickie pooh, that is exactly what you choose to do.
Well, mostly to corporations who will send her to collections and sue her… I guess that’s better, right? 😂
Chickie pooh 😂😂😂
Not accurate at all.
@@Choc0change Can you explain how?
After all choices are *not* made through words, but the result of deliberate action (or inaction).
E.g.: If somebody chooses to have intercourse - especially without contraception, they are deliberately accepting the risk and the potential consequences arising from that risk.
If the consequence happens to be pregnancy, then it was the direct result of that person's deliberate action.
It was their choice for that pregnancy (to be possible) to happen, no matter how often they used their words to insist that they don't want kids.
Note: I'm not using this example to make a moral point about that particular choice or to suggest any particular way to handle the consequences.
It's just an example of how words are shallow and meaningless, it's your actions that define your choices.
Only your actions change reality, empty words will not.
@@Choc0changeIt absolutely is.
She’s not going to ask her gf to pay her back for the trip bc she feels indebted to her gf’s parents for non existent rent.
Plus she indulges her. Gf misled her umtil they were actually in PR. Then - oops I have no money … you’ll have to keep paying …. And no consequences for the gf later
@@maureenviola I caught on to the part too smdh
And it’s probably been implied that if she does then she loses her home and safety.
I kept saying, “she’s 21.” But at 21 I wasn’t doing this. Girl, get multiple jobs and live poor! Youth is on your side. Hell I got a road job at a railroad. Stop acting like you’re better than hard work.
I absolutely lost it at "be gay in your own house, it's free!" Damn near dropped my phone and choked on my sandwich I was laughing so hard 🤣🤣🤣
"My girlfriend is not helping much" - I wasn't aware she was responsible for you.
And the GF's parents house them and let them use a car for free bc her car is broken and her gf totaled her own car. So, the car she NEEDS to get work and the house that's keeping her from being homeless is not much help at all. None at all. Talk about Delulu.
But she said she wants to get married, so getting on the same page regarding finances *BEFORE* getting married is pretty important
lol when she just said she lives with her girlfriend's parents - she is extremely lucky they are so nice - I don't know why her girlfriend's parents are being so generous to her honestly, free loader
@MissMosierable if she just slept at her job she wouldn't need a car or a house. So because she could be homeless as an option, housing isn't useful. 😂😂😂
@@Sniperboy5551 her SO needs to run (not walk) from this relationship. If you marry someone who is a financial liability; it will follow you for a very long time.
An hour and 21 minutes?? Gonna need an extra sweet treat to make it through this one.
IT'S A BIG ONE
Mid show taquito run for sure!
Gobble my Glizzy then Ricks
I’m gonna need a few glasses of bourbon to make it through this one…
x1.25
Jesus !!!!!!!! How do people buy a car for $20K that’s on its last legs !!!!!! BRO HOW
That was such a hopeful resolution. There is so muchh ahead of this young person. I wish her all the best, and hopefully we can catch an update when shes on the positive side of her finanancial journey. Break that generational curse girl! You got this!
First 2 seconds. Hearing "spiritual" I know this is gonna be a caleb pulling his hair screaming episode
I may as well be bald after this one
Why do you donate money to the rich? Just tryna understand how your brain works
@@itskelohh8173Why do you ask stupid questions? Just trying to understand how your brain works.
@@bama2405did that comment make you feel better
Whenever I hear "spiritual", I just automatically assume that means "I pick and choose extremely specific quotes from the Bible or other religious text that makes me feel better about myself and I ignore the rest."
Caleb is giving legitimately insightful relationship advice, and I'm here for it.
Watch out, Dr. Phil.
This is all so much about appearances. Look at her! She looks rich, does trips all the time, parties here, clubbing there, but it's all just a facade. And her friends are probably all exactly like that, and they are driving each other into the ground.
When I watch episodes like this I’m just screaming inside the whole time because I I’ve met too many people like this, and they always gaslight you into thinking you’re the idiot. So watching Caleb obliterate them with real life facts is so vindicating.
Honestly this girl was super refreshing. She seemed to genuinely care and take in what Caleb said ❤️ I hate to see guests cry but it really makes me realize they care and want to change
I felt the same way; it's a bummer that youtube seems to lock in all the top comments after 10 minutes when no one could have finished the video.
I second this. At first we all reacted to the beginning of the video. But halfway through, she seems to really grasp the weight of her situation.
Yep, caleb seemed to realise this and changed his tone. Her GFs family is great. Her GF Is bad. And her mother is toxic as hell.
@@philwill0123We are only hearing one side of the story though.
Ever heard how important first impressions are?
Why do so many people think they have to go on a trip to celebrate a friend’s birthday??? This behavior is so prevalent and detrimental to finances. Is a cake, candles and ice cream beneath you? 😖😖😖
Totally agree...the FOMO is overpowering too many people nowadays...
It's bizarre to me, I've literally never met/heard of/know anyone who has ever travelled for someone birthday.
But what will they post on social media?! I agree, it's ridiculous.
That’s what I say about traveling for bachelor/bachelorette parties. Like for real, most people CANNOT afford it, but we know several people have done this. That blows my mind that you would ask anyone to spend that kind of money to celebrate YOU.
@@Buff19 YES. I was thinking the same when I originally responded!!
Both Honda and Toyota are top tier when it comes to reliability. Keep the Civic girl.
Getting to the end of the video and hearing her say after all that it was her spending that got her in this situation made me have huge respect for her! It's so hard to face facts of failure but ownership is a huge step. This girl is incredibly lucky that she'll be debt-free in 12 months and I sincerely wish her all the best. Caleb you handled this incredibly well and the way you gave her that moment to be vulnerable and reflect was so respectful and dignified, well done 👏
She takes trips all the time and pays for them with high interest credit cards. Also smokes and goes to the club all the time. And she blames her poor finances on a general curse? Take ACCOUNTABILITY girl! Grow up!
The government literally gives tax breaks to get them hired, colleges literally accept em with lower scores than their peers.
Everyone already bending over backwards to try to get them to be successful.
And yet here we are.
I’m only 4 minutes in, and I’d bet her plan is to meet some guy who has money who will pay off all her debts and pay for her to live.
I was way off, lol. My gay-dar failed! 😂
Accountability, the kryptonite of modern women
@@Based_Commentno modern young Americans
The amount she paid in overdraft fees, she could have gotten her car repaired.
“Why would you spend money at a gay bar, when you can be gay at home for free?!”
😂 best line
Or Dave ramseys advice , "don't even see the inside of a gay bar unless you're working there "
She started off on a very low note but Im glad she realized and took in Caleb’s advice! I have hope that she’ll turn it around if she sticks with it
She didn’t want to take $800 from them to get her car fixed because she said she’d figure it out, but then she is driving someone else’s car indefinitely. So she’s still accepting help in a different way.
Yeah the amount you “owe” them for borrowing the car is going to end up being higher than it would be to just pay to get the car fixed (just because they aren’t directly giving money) and you still need to fix you car in the end.
Yeah and in a more annoying way. I'd rather give someone $800 to fix their own car then have them drive around in mine everyday risking crashing my car.
We need a financial audit bingo cause the amount of times “money isnt real” “i am a credit card person” “manifesting” is used needs to get put to use somehow
I did make one, but i forgot to save it :)
“This month was unusual”
“My partner is the irresponsible one even though im an addict and have a shit ton of debt myself”
“I see a way out”
“Its not that bad”
“Im better of than most people my age etc”
“It could be worse”
@themurderbotfeed7688 the my month was unusable should be the free square
"To be honest" "Well the thing is"
“Wont closing it affect my credit”
“I’m better now”
“That was before -“
“I don’t know if I even want to do this career I’m in school for”
I like this version of the show, Caleb talks to the guest like a human being but also still showing how dire the situation is. thumbs up
Payday loans were one of the worst decisions I ever made. I knew it was malicious, I knew they were predatory, but I thought I could handle it, and I was wrong. One loan turned into two turned into me using other loans to pay other loans, it quickly becomes a horrible situation, I'm still paying them off but I at least managed to get out of the cycle of taking out loans constantly to pay other loans. DO ANYTHING YOU CAN TO AVOID THEM, PLEASE, DO NOT SCREW YOURSELF OVER LIKE I DID.
When a guest cries, my hope for them skyrockets! YOU GOT THIS!!!
Yeah, means they understand.
She wants something more reliable but her Honda Civic is already one of the most reliable cars out rn
I’m so happy someone else said it. Like Honda Civic? It’s $800 FIX IT
Not only is she financially stupid. She's car stupid as well
She just wants a brand new car. I saw a thread once where someone was complaining their 2020 car was old and had to be replaced and its like... you know cars last longer than 3.5years right JFC
@@jadiecakes3241to add to your point my dad had a 93 toyota pickup, that thing refused to die, it only went kaput a year ago and it took the entire engine bay going up in flames before it gave up (nobody was hurt). thats 30 years. obviously its not like it never needed repairs now and again, but the point is you can make it work if you want too, there are ways to have vehicles LAST.
@@jadiecakes3241 Not with the way young people take care of cars. Most of them dont even put oil in the car
I am going to say it again but thank you for doing that. I can see that you genuinely want to help people and it's very important what you are doing.
Just found this guy and I love this so far, we need more of this in the world
Her comment of "I don't use autopay because I want to feel in control of my money" SCREAMS she needs therapy. She doesn't feel in control of her life for whatever reason, so will screw herself over to feel something.
I put my bills on autopay and have never felt more in control of my finances.
Yet she wants to be a therapist.
Naw I get what she means. Its psychological, i like to maybe my subscriptions automatically buty big purchases are paid manually
@@Kinsale101 oh absolutely. But in response to Jane above, it's a false sense of control. Not having to worry with everything just going is soooo freeing! I hope she can get to that point. Cause she's not even paying rent or food! She can totally do this.
@@MissMosierableit's more common than you think. Broken people gravitate towards psych so they can "understand themselves"
Thanks to Caleb hammering on about the importance of an emergency fund I started socking away some money in a saving account. This week I had to take my cat to the emergency vet. It was stressful, but since I had an emergency fund I didn’t have to grab one of the Care Credit pamphlets they had in the waiting room and I paid the whole bill on the spot without having to put anything on my credit card.
My cat is doing better and thanks to Caleb’s good advice my finances are too!
❤❤❤❤
If I’m being honest. I think I need someone of Caleb’s caliber to sit me down and yell at me for being irresponsible with money, and not seeing reality and priorities in the right order. And then a serious therapy session or two afterwards to make sure I don’t waste my mental energy worrying about the wrong stuff again. I believe this would seriously help me, but without therapy before or after it may just be an important conversation I remember in my head and never integrate.
Ah yes. You seem to know what you are doing is wrong, and you can find all the help you need in these video’s. But no; Just say that you need yet again OTHER people to tell you what to do, so you have an excuse to keep sticking your head in the sand. Just start today! Not when somebody is going to hold your hand (what likely will NEVER happen), not when you have your bullsh#t therapy….just start NOW!
I’m a teacher and CALEB you should design and sell a personal finance high school curriculum. It’s scary how ignorant kids are of the most basic things like interest rates. We are *desperate* for one that is up to date with the current economy.
I second that motion!
Yes I agree with this fully 100 percent
I’d get that for my kids in a heartbeat. I’d also gift it to other kids as a graduation present.
Personal finance was a mandatory class at 2 of 3 high schools I went to from 2014-2018(my family moved around a tad). They were both crappy schools in the boonies. We learned how to budget, how to not die under a pile of credit card debt, and even how to file taxes by hand. I don't think anyone but me paid attention. We are taught in school, but nobody cares.
Here me out.
School does a fundraiser to purchase the already existing budget program (maybe caleb will offer a discount for a group/high school students).
Students do an exit program where they pick a Career. Find the salary, what secondary school (if any), and what locations are hiring for that position. A kid could build a fake budget with a bunch of plug in #s. Could ask parents what the food budget is, how much utilities are, phone bill, etc.
The first thing your counselor will tell you when you are depressed and have mental stuff is to get up in the morning. Take a shower make your bed and go to work. Because every action you complete is a little win and when you stack up all those little wins. Your mental health improves.
Thank you for this post. I've heard this before and know it to be true but depression made me forget so I really appreciate you taking your time to send this.
So true. For me it’s a “everything counts” mentality. Could I choose to not make my bed or wash my face when struggling? Yes, but I know that doing things will provide better peace of mind
Whenever someone starts bringing up poor excuses like generational curses/ trauma I immediately know the Perseus either crazy, dumb, or looking for any kind of excuse they can find so they don’t have to take personal responsibility for their actions
Her biggest issue is thinking that the “everything I put out comes back to me” idea doesn’t involve any effort on her part. She thinks if she just blows her money she isn’t going to have to WORK for it to come back to her. Someone misinformed both this girl and her mother bc that is NOTTTTT the meaning of that saying😂 she is so wrong in so many ways lmao
“A reliable one, not a Honda”.
Lord help her. Honda is one of the most reliable manufacturers in the world. ECU used on eBay is $150 and is literally plug and play, recalls for fuel pump are free.
Give her a chance to manifest up an ECU. And fuel pumps aren't real. This is just some generational curse.
My dad's old Honda hit 280,000 miles before it died, if that's not reliable I don't know what is.
Ironically, a European automobile of her choice would cost way more when it comes to maintenance.
I live in a country that has a bunch of used imports forming the basis of the vehicle market. Toyota and Honda are the most reliable vehicles down here.
This is the best interview in quite a while in my opinion. She seemed quite receptive to criticism once it sunk in. Hope the best for her!
I work for a Credit Union in Pennsylvania and the amount of people who treat overdraft as free money is insane.
I watch you every day just so I don’t make stupid purchases 😂 I’ve paid $6,500 in bad debt in the past few months so apparently it’s working
Cars break down and you fix them. You don't solve your problems by getting another car and ignoring the debt you created with the old car.
I think I have seen a few audits where they do exactly that 😵💫😵💫😵💫 just fix it jeez
If you don't drive more than 8k miles per year and you never want to pay for maintenance or repairs you can long-term rent (lease) a car and just get a new one every year or two. I personally don't do that, but I work on cars as a hobby.
I traded my jeep because of the death wobble. I broke even
This is a prime example of what happens when "YOLO" your life away with no self-control and discipline with money.
Omg... She's only 21... Nobody is THAT responsible when 21...
I wasn't super smart and responsible at 21. But for sure, I wasn't this reckless with money.
@@AtomicDimension Stop making excuses for people's shitty behavior. This absolutely is not normal, even at 21. Another member of the "calling out reality and insisting on accountability is patriarchal meanness" brigade. You and this guest are absolute children.
@@AtomicDimensionnobody should be THAT stupid at 21 either
@@AtomicDimension No excuse, I was a university grad by then with zero debt. 3 years later I was a homeowner. next year I hit a 100k income. Never make excuses for idiots.
Honda Civic unreliable?! That is the most absurd thing I've heard. Im guessing she's neglecting the maintenance, cause those things last forever.
I think courtesy pay is when they transfer it from your savings to your checking for you. It's supposed to be "overdraft protection" but it just charges you to do what you can do through the mobile app in ten seconds.
Her saying "something more reliable than a Honda" is so funny. One of the most reliable car brands on the market
I have a 2019 Civic that I use to Uber/DoorDash/Lyft on the side and I can tell she probably doesn’t even change her oil or do any maintenance on hers lol
Seriously! They are indestructible! Saved me so much money, I was able to save for a house thanks to it.
Acting like because a car is a certain brand that it won’t need maintenance lol
I have a 1998 Honda and its super reliable 😂
She's more of a Mitsubishi type of girl 😂
Free from all debt but my mortgage now 🥳
Never felt happier. Thanks for kick up the butt we need Caleb ❤
WOOOOOOOO
Congratulations!
Everyone is proud of you❤
Congratulations 🎉
Mortgage is not the same as real debt. You have to pay for housing no matter what. You are essentially debt free. Congrats!
Although her financial situation was awful, she has the kindest heart and seems like a genuinely good person. I wish her all the best!
Agreed! I’m really rooting for her. And I hope she’s able to get her girlfriend on board.
“Be gay in your own house! It’s free!” was SO funny, Caleb
This is a great episode because Caleb holds it together well enough to really explain reality and help this guest. No telling exactly what she’ll do but we hope she’ll listen and care about herself.
Watched until the end, and glad I did. This woman definitely got the wake up call she needed on her life. She has been living like a spoiled 15 yr old for too long.
Being willing to pay for a vacation to Puerto Rico but not necessary car repairs is wild
My extended family had this same believe of "the world owes me something"; they're 60+ years old, never worked, spent years mooching off my grandma, and now are burning through their inhereitance.
They are a short time from being 70 and homeless.
I saw another comment like this but 1.5 year of watching caleb i started with 18k in debt and now im about 29k net positive it feels amazing
Congratulations! When you get to the point that a car repair is something you can pay cash for, the feeling is such a high. Your life goes from sheer panic to "its just a speedbump"
Nice!!!!🎉
Amazing!!!
I remember the day that I made a deposit into my savings account and I had a comma in the total. I had hit $1,000.00 in savings. My next goal was 2 numbers in front of the comma. It is weird how much of a high that gave me.
That's amazing and so motivating
Let's start manifesting ✨✨personal responsibility✨✨
Manifesting reality, ouuuuuu✨✨✨
I need that on a t-shirt
Good one 😂
Absolutely! Personal responsibility is what most people don’t understand. To be in this kind of debt and only 21 years old. 😢
Vacations are overrated I love my staycations kayaking playing in my garden and just relaxing playing video games now that's a vacation
“Be gay in your own house, it’s free!”
Bro 😂