Woman Has Everything In Collections | Financial Audit
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- Опубліковано 5 вер 2024
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I can't believe that parents put bills in their child's name. It's so selfish it's unbelievable. Best of luck to this woman, she seems like a hard worker
Meth 😢
This happened to me as well! My grandma's sister got custody of me and was able to have the debts completely removed from my credit report as they were all put in my name before I even turned 10 years old. I am forever grateful for her. I've heard this is a really long process of removal though and she had to get a lawyer. It's absolutely insane that this can even happen! I hope the system has better safeguards for this these days.
My bro still has electric bills in collections that his mom put in his name when he was a kid. Very selfish
My grandpa did this to both my dad and my brother and we didn’t find out until he passed away. Unfortunately more common than it should be :(
A lot of parents do that unfortunately.
I’ve killed 3k of debt since discovering this channel a month ago. Got a long way to go but each new video keeps the fire burning and so much valuable information here! Love it!
Keep the good work
It's like financial group therapy
@VoLumeZ, it really is, and it's giving me the push I need. This debt thing is crushingly depressing.
Wow 3k that’s it what a loser
Listen to dave ramsey. He’ll fire you up to pay off even more.
Hey Caleb- I just wanted to let you know that I submitted and finished my masters thesis in biology. I would like to honor and acknowledge you for being a part of it. You helped with through lonely nights in the lab doing experiments (where your hour videos helped so MUCH playing like a podcast) or days where I was so depressed and needed a laugh/motivation to finish in order to help envision how it will help my financial future. You helped make it bearable. Thanks and enjoy your content 😊
So cool of you to acknowledge Caleb 👏👏💃 Good job on all your work @Lavender22
Good job!!
CONGRATS!!🎉
Congratulations!
Congratulations!
Definitely made me LOL to see "lesser paid nurse" instead of "licensed practical nurse" Great video as always Caleb. Best of luck to Stephani, she seems sweet and I am sure she will be able to pull herself up out of this mess!
Editor being SHADY with that one
I always get peeved when people referred to me as a Real Nurse as an RN. It could have been my first day on the job and they trusted me more than an LPN who has been a nurse before I was born.
@@bhnurse16 I always tell people LPN means "Low Pressure Nurse," but only because it's the opposite.
Lesser qualified.
As a fellow “Lesser paid nurse” that gave me a good laugh!!
Putting utilities in children’s names is super common in poor communities. It’s awful, and unfortunately happened to all of my cousins.
Illegal in most countries.....
How can anybody be held accountable for an agreement before they were 18, they can’t enter into any contract?
@@adamseidel9780 they can't, legally. It's literally fraud, that's why whoever this happens to should take their parents to court.
@@adamseidel9780 it’s not legal. However, the only recourse is to claim that it is fraud. The person committing fraud is the parent so the choice is either pay it off or put them in jail.
It’s surprisingly common. People suck.
If Caleb had a dollar for every time a guest uses the line “this month is different” 😂 we need that on some merch.
This was a unique month
great idea
Dude yes great merch idea hahaha
We don't need caleb hammer merch. Omg you fools are such consumerists. Damn. Go thrift a t-shirt and and write that phrase with a marker yourself.
Yeah, but I stop watching immediately when UA-camrs start selling merchandise. It’s so formulaic and ick.
This woman just needs better people in her life. Sounds like she's not necessarily making selfish decisions but she's getting taken advantage of by bad people. I hope she's able to get herself into a better state, pay off her bills, and find people that won't treat her like that. Good luck to you girl. It's nice to see other people my age getting their stuff figured out.
she is also a bad person but you are right
wokeness is a disease
Sounds like my ex, always surrounding herself with negativity and bad people and doesn't know why bad stuff always happens to a nice girl like her. Being judgmental about who you hang out with is not a negative thing, it's a necessity
@@Sickwitit18 Being judgmental about who you hang out with is not a negative thing, it's a necessity
^ you hit the nail on this. You are who you hang out with. Just the truth 99% of the time.
She’s got that walking Hurricane mess vibe, where she’s constantly got some big thing happening around her. Repeated whild medical bills and injuries, some bizarre involuntary commitment experience (her story there didn’t add up, it is NOT easy to get somebody involuntarily committee), all these bad boyfriends and family stories…
You have to surround yourself with better people. At some point you’re just putting yourself in the path of the train over and over.
As a 32yr old, I love the audits consisting of other people in their 30s. Hate the 20s audits wanting to be influencer/acting but spend their money on fast food and coffee.
These are so much more relatable. She didn’t choose to break her leg but that medical debt isn’t just going away. Life comes at you hard - I have a lot of respect for this woman.
Saaaaaaaaame. But if the audits of 20 somethings wasting money on Starbucks help the future 20 somethings avoid doing the exact same thing, then it's worth it.
I think this woman is allowed spend some on a coffee to be fair. I mean god she doesnt seem to drink or smoke or go out she should sit and have a coffee sometimes. He put 50 dollars for toilet roll but giving out to her for having a coffee? Like sure dont go crazy and have the ice Frappr careful latte but just to be able to sit for an hour and feel normal and have a coffee... I think everyone needs that and this poor nurse even more so. Its such a disgrace that this is how america function. Its insane we get 28 percent tax taken and everything is sorted. Heslthcare education disability for being off work with a broken leg. Your system is insane.
@@jmeboil its so crazy as a european who if I break my leg i am fine. Because I pay taxes. 28 per cent and I know I and anyone else is safe if they fall and break a leg. All my education sorted my pension sorted. Nothing to do no forms to fill out nothing. Just sorted. And you guys seem to pay so much. Health insurance education loans out of work cutting into savings 401ks all this complicated nonsense just to have what everyone has as a baseline in europe.
@Pádraig p Yeah, our country is weird as hell.
🥰 Big thanks to those who are being mindful making comments. I’m grateful I got to meet Caleb but I was nervous, our interview was a quickie. I had my documents but I was frozen by my anxiety. I’m working on my mental health and $ issues. It’s less than half as bad as last year so 🤷🏽♀️ if Caleb wants to meet again or I can always make a update clip. Give y’all an more accurate picture of what I am being judged about.
No one truly knows what someone has survived or how hard they are working just to live. I spent my whole life taking care of others. I have been through all types of abuse since I was 5. Now fully diagnosed (CPTSD)and away from the sources of abuse. I’m learning to take better care of myself.
There more debts a side from my moms, a couple DV situations that I had no control over my life for 10 years. The collections I’ve paid down and negotiated myself drastically since last year. Money wise I already removed $5k of debt collections for $Free.99 🤓 this week. I read the Student loans are Income based repayment plans as well. - I’m not as dumb as I looked I was just nervous. I also got my Hammer Financial score right and there’s not enough credit for that. 😂
have to be the first one to get the hammer finacial score right🤣
I would suggest that you consider getting a young local attorney to negotiate your debt payments for anything in collections, and to threaten the medical bills with bk. Then settle with that $5k most of it.
All the best -you came across as very smart & sweet - I reckon you've got this kiddo!
Hoping to find a husband to take on your shit 😂
You came off as a hustler. You're going to be fine. Have you looked into positions with floor nursing so you have opportunities for overtime? Or local travel? Maybe service industry jobs would actually make you more income.
I quickly found out when trying to get an apartment that I had horrific credit. I apparently was a cosigner on a second mortgage and had about $5k in credit card. At the whopping age of 18. It's hell and now at 24 I'm STILL digging myself out of a hole that I didn't even create
Oh no that is terrible 😢 I did Dm hear on the opposite end if you have someone you Trust that has good credit on as an authorized user it can increase your credit score
So sorry
You were a cosigner on a mortgage at age 18? How the heck?
@@annak8313 I have no earthly idea. Checked my credit for the first time ever at 18 when I got denied for an apartment and there it was.
If that is not your debt, then go to credit company or the mortgage company to have it erased!!
I finished paying off my $36k student loan this month and opened a high yield savings account! 🙂
@Hammer1201 recommend everyone reporting this scammer like i am
Congrats!! feels so good, doesn't it?
Congratulations 👏 😊🎉
🏅🏅🏅🏅
Wonderful!
Hey, the score was actually better than what she rated herself. That's rare. Some people are like "I am a 5" while 100k in debt with a job that pays 15 an hour and an average interest rate of 16% credit score that's 500 and items in collections and the IRS is telling them to pay up
lmao so true
My observation is that people that are responsible but in a bad place rate themselves lower, while people that are oblivious tend to be more optimistic and rathe themselves higher
Watching these videos on lunch break. It has helped with my depression. Me not getting fast food anymore, and saving as much money as I can. I've gotten a lot of information so far. I feel a lot better knowing my credit just hit 700. And no debt now.
Fast food will feed your depression, try to eat nutritious foods🙏
@@emmaphilo4049 oh I've noticed a big difference. I pack my lunches for work, drink a lot more water. I've also started to feel better body wise as well.
Congratulations!🎉
My credits 400 I still got a ways to go
@@EsuZeno keep going it's definitely worth it. I hope the best for you.
Honestly, her catching that she could get a zero interest payment plan on the hospital bill and then use the remaining money to pay down high interest debt was spot on. Caleb didn't seem to acknowledge that.
Some people end up just going into more debt doing this.
I think it was more of a “let’s not risk anything else going into collections”
@@filth_ ah, i could see that
Thank you. Came here to say this. Sure I can see how Caleb wants to avoid going to collections, but that doesn't happen as long as she's making her monthly interest free payments.
It's baffling how some parents and guardians are perfectly content with stealing a child's financial future before it even begins. That's disgusting what her mother did, and the idea that this is common is beyond sad. No child deserves that, and any parent who is caught attempting this deserves jail time.
It can be a 'rock v hard place' situation that gets out of hand. As a minor there was a bill or 2 in my name to keep the lights on at various points. It wasn't something done lightly and luckily was rectified asap but it was the only way at the time.
This situation is a very direct example. But the boomer generation stole their children's financial future on a large scale so its pretty common, just with less direct accountability.
She should go back to school, get her RN, travel and pay off her debt. That’s literally the road with the least resistance.
Caleb should also come out with a budget plan and take over the Dave Ramsy program.
She should. My sister as a new grad RN started at $74 an hour. She has been there for her one year and just moved up to $80. What a crazy difference over $32.
Agreed. Travel RNs make so much money.
I had a travel nurse friend making around 9k a month! Only working 3 days a week too
I’m an RN, in order for her to be a safe travel nurse, she should have at least 2 years of experience at the bedside.
When you’re a travel nurse, you get very little training at the hospital you’re contracted for, you essentially have to hit the ground running from day 1.
They wanted me to redo another 50k if prerequisites and I don’t really like nursing anymore. It’s brought a lot of trauma into my life. I hear the saddest stories every day from patients. In my position currently I am able to track patterns of patient outcomes and set in motion changes to improve patient care and quality of life.
I wonder if credit karma noticed a spike in logins when Caleb uploads because I always check my CK when watching these audits
Same 😂
@microfarming8583 it wouldn't make for a very interesting show if he just sat down and went straight to the budget because he already knows everything lol.
Caleb and the team go through all the paperwork and statements before the sit down show but that doesn't unearth the reasons or bad lgoic behind stuff, or the sneaky statements and debts that the guest doesn't provide in paperwork beforehand. He's not as woefully unprepared as you seem to think...
As a Norcal person who left, Oroville is absolutely a meth town and definitely appreciated that she called it what it is
I’m always 100% might be a messy sometimes but I’m at least honest
As soon as she said Oroville, I was like "Oh."
Yup. Oroville is indeed meth town. Fellow Cali here 👋🏾
As someone with recently diagnosed CPTSD, I feel this so hard. My emotions have fucked my finances so hard with an eating disorder and quitting jobs due to emotional flashbacks and shit. Plus, she is a year older than me, so I identify hardcore. You got this, get EMDR therapy and sort that shit out!!
CPTSD has been the speed bump in my life! I have had a lot of progress in the 9 years since I was diagnosed. I hope e everything gets better for you! 🤗🤗🤗
Yes most people in the comments need to do a little research on CPTSD & how it is a real thing, often we go through years of our lives without realising why our shiz is so messed up but once a healing journey starts things can get better. Hang in there ya'll, hugs
Sucks to be y’all, sounds expensive 😮
@freefree1664 I'm diagnosed with cptsd too and this is SOOOO acurate! How years can fly by in survival mode and then, one day, you realize it's time to deal with the mess of life and things can really start happening.
I would love Caleb to have one person on who is doing everything right, with an average to below average salary. It would be neat and helpful to see how that works! And it has the benefit of showing others there is a way to live a good life without a huge salary.
Good idea😊😊😊
Yes!
I always feel so bad for people in these situations, she’s been through so much. It makes me feel guilty for the mostly easy life I have had so far, but it motivates me to help people like this when I can!
Jake, at least you realize your a Simp.
But she has an excuse for everything. She has been a victim for 35 years. She needs to start being responsible
@@GoneFollows I agree, but she’s probably been through a lot more than the average person. Not saying that it is an excuse, but it’s more of a context for her situation
@@JakeSpradlin2 bruh. Simpy Jake rofl
@@GnarlyChef ??
I know how this girl feels. My stepmom wrote $3600 worth of bad checks on my account forging my name I had the option to put her in jail but because her son got me the job I had today let it go but I can never forget that betrayal.
I'm so sorry you went through that
shes not a girl, shes THIRTY FIVE YEARS OLD
SHES ABOUT TO HIT MENOPAUSE. Stop calling her a GIRL just because she dresses like one
@@Dre2Dee2 wow....is this because you want her to be more respected or because you have some other issue?
@@Dre2Dee2 l'm not sure if you're young or just have never talked with a women but the average age for menopause is 51. She's a whole decade away from that. Calm down.
@@Dre2Dee2 @ what age do I have to stop using girl?
Started watching these videos about a month or so ago, had w legit panic attack about my debt/how I was going to pay it all off and now I got a second job and I’m almost done paying off my student loans and credit card. 🎉🎉🎉 thank you for digging deep with everyone and giving them a realistic plan on how to attack debt!
You're doing amazing!!!
she got 5150'd, involuntary sent to the psych ward. She sounds incredibly smart, sane, conscious of her situation. My fear is being 5150'd and thats why i don't tell anyone my fucking thoughts. This girl is brave and hope she gets the help she needs.
Nurse here, and I’m also an LPN! We need to break the stigma of being “lower paid” lol. There’s some of us out there making more than RNs now work agency/travel opportunities, etc! But I really can relate with this woman, and I admire her openness about her situation! As a nurse, I’ve been so embarrassed that I have financial difficulties, AND only in my 20s at that. Thank you for being so transparent. & Caleb, thank you for your sensitivity towards her mental health, and just overall. You are doing such awesome, compassionate work on your channel! I want to come on one day myself, but you’d eat me alive lol.😂 my situation is horrible. But I know it’s because you care. Keep changing lives!
Eh, you know that everyone can get into financial difficulties right?
@@roserevancroix2308 absolutely. It’s just this stigma that if you have a stable career you shouldn’t struggle financially you know? Which isn’t true.
After dropping out of college seeing videos like this really helped motivate me to go back for a degree- I pushed the whole education system away cause of a few negative experiences but videos like this help me realize that place just wasn’t for me and I can keep pushing on. Thank you for helping people with financial literacy Caleb it helped me turn my life around
It's never too late to go back. Lots of ways to do it (skills training, trades, certificate-based training). Not all about the 4 year degree. Just try to do it smarter than bathing in student loans. Believe in you!
There's a lot of financial content out there nowadays that seem to demonize getting a college education. Plus all the student loan horror stories. It's definitely a risk, but if you play your cards right, there are rewards as well. I got a STEM degree and took out 23k in federal student loans. Was able to pay everything off after working over five years full-time. Looking back, I had a great time in college and I learned a lot. I hope you do too.
A video on debt wants you to get a degree? For what purpose? Just to get a degree? Lol😂
@@HM-yr1vrHuh? Do you even have a job? Degrees are still important. Don’t buy into the finance guru lies they’re trying to sell you a course.
She's so articulate and seems very smart. I hope her self-made endeavors work out and she can get into doing what she loves!
Articulate but financially illiterate. Let’s be honest she smart enough to get help 😂
She needs a backbone though ....
She's is addicted to being a victim. She said she's a nurse and not a doctor because she's a woman or because her family made her be a nurse.. in reality she's not even a nurse and she has only herself to blame for that. No responsibility yet and shes 35 that's concerning but not too late to fix.
@@cekz5199she IS a nurse! 🙄
@mirroredsilence8900 not a registered one! 😊
Caleb!! Thank you for posting these. I’m a nurse and was excited to hear that a nurse raised you ❤
Love seeing more people in their mid-30s… I feel like that’s when the financial picture gets interesting! I feel for this girl, it sounds like she’s been through a LOT and I hope she can break the cycles of abuse and dissociation and etc even though it might feel hopeless.
If she can get a 0% interest payment plan on the hospital bill then it makes absolutely no sense to pay it all off in one. I don't understand why Caleb is against doing this, and neither can she (he does eventually concede that it's fine to do that after she pushes back and rightly so!)
My favorite show 📺
Has literally inspired me to pay everything off. I just paid off two credit cards. Down to one left and a car payment and I am done.
@@jw5931 thank you! I feel so light! Building my savings also. My finances literally used to keep me up at night! Now I can sleep peacefully 😊
Same here
Friday, May 26, 2023
Sweet! 😀 Congratulations on taking these big steps and improving your financial situation, Bri! 🧑🌾
@@Anthony_in_Bloomington_Indiana thank you, I believe we all need support in this journey! I wish you luck on yours! ❤
Smashing it!
It seems like you can tell a LOT by the manner in which people submit their documents to Caleb and team. A lot of these people dont know where important statements exist, how to access them, how to pull an privide them, etc. It really speaks to an underlying disfunction in regards to interacting with financial institutions.
She's dysfunctional in every aspect, emotionally, financially, spiritually
A walking talking, money eating disaster
You listened to the parts where she talked about her life right? Give her a break man, she’s going through some shit.
this is actually a great observation
@Deanna Eliot I'm not passing a value judgment on her financial status. I don't know where you got that. What I noted was a general observation about how people interact with financial statements and how that may speak to underlying anxieties.
So often guests are lazy and Jake excuses, as if they don’t know in a day and age when you can Google almost anything
Caleb never disappoints. She seems really sweet. Hopefully she will educate herself more on how to manage her finances. Best of luck to her! 💞
1: Yay someone closer to my age that has struggled with low income and debt that I can better relate to. Where the stakes for financial well being are unfortunately way more real.
2: She is sooo dang tough, I can’t believe she has been crushed under the weight of debt for her entire life. God I hope she can get out of it soon. ❤
she's big strong and independent.
No no she is not she's weak and relying on help. She needs to become strong and self-sufficient. She would never go to him for help if she was. That's okay she's not living in that delusion. Now she can work towards that.
That's respectable and the path for her to have a better life.. It's harmful to people to encourage their delusions. Call him out on the flaws, That's how you help most people especially ones that lie themselves.
She’s so much stronger than she knows. The best thing a person who experienced childhood trauma can do is to become their own parent. She’s doing that and it’s going to give her so much confidence. My personal opinion is in 3 years she will be a completely different person. God bless her.
Lol, are you fortune teller and playing God? 😂
Well they gave us numbers/debt and how much she makes annually. So no. Not a fortune teller but I did pass 3rd grade math.
@@LiliAnaJP17 That is not enough data and you said personal opinion. Life is unpredictable and too many variables. So pipe down LMAO wannabe crystal ball teller
@@HM-yr1vr I’m not sure if no one likes you or too many people do. Perhaps your parents loved you too much or they treated you like crap but I just wanted to let you know that it’s ok to be nice to people and wish them well. You’re commenting on my comment wishing someone well and good things to come to their life. Do better.
I can relate to that feeling and I wish you could elaborate on more of that condition. I'm 50 and had to unlearn a lot of the things my parents taught me and now I'm doing fairly well for the first time in my life. I was a terrible alcoholic for many years and got sober 5 years ago and never came to terms with all the issues in my childhood until recently. I can tell you that I learned that I'm much stronger than I ever thought.
I've been hooked on these videos for a while now. I thought my financial situation was trash until I started watching. I started to re-educate on savings, credit, budgeting and more because I seen myself heading towards a downward slope. This title alone made anxious.... so I paid off one of my credit cards today since I did so much OT last week.
Since I watch Caleb religiously, can we start calling ourselves hammerheads?
Hahaha merch when?!
Spit out my drink a little when Caleb said “F**k family, I don’t care” 😂
@Hammer1201 recommend everyone reporting this scammer like i am
If they steal.from you. Fuck them
Growing up steph was always so cool and down to earth so cool to see he trying to figure this crap out❤🎉🎉
I wish the best to her, she seems and sounds like a really nice person. She just needs better people around her, hope she takes advantage of this audit.
She sounds like a mess, what are you talking about?
Medical and hospital bills are unfortunate but need to be taken care of. She can contact the hospital directly and negotiate a payment plan instead of pulling a nonpayment and letting it go to collections. Also, if she loves her apartment and if it does wonders for her mental health being there, she should stay there and look at where else she can cut costs.
Rest in peace is a church organization that buys bad medical debt and then as soon as they buy it for pennies on the dollar they forgive it
Traditionally payment plans with the healthcare system carry no %.
I agree but it has no interest and medical debt doesn't impact credit after you pay it off so I would have put it lower priority than Caleb did
Medical debt shouldn't be a thing. Particularly for being sent to hospital against your will!
Why do people think they should pay for a car but they shouldn’t have to pay for medical care? It is the strangest thing.
Im happy I'm the middle child. My parents did this to my older sister, as soon as she turned 18 they opened phone lines and credit lines under her name and left her with looooots of debts.
Poor sister has had a hard time her entire life and I'm certain that played a huge rule on that, even if she doesn't want to admit it.
Unreal.i despise people like that.
She should have pressed charges.
That's freaking illegal. I know a lot of people find it hard to press charges against family, but if you'd hold a rando to the high standard of "don't scam me", family should be held to an even *higher* standard because they're supposed to be your safe haven.
@@andrew8168 Im not sure that's a thing in my country. It's not like she didn't know, she was happy to go and have those lines open for them bc "they're family". Since she did it willingly (went to the places and signed the paperwork) there's nothing she could have pressed charges on.
I don't know if in the US it is possible to open stuff without the person's knowledge/consent . That's f'd up. You can't do that here .
You have horrible parents. I would press charges and cut contact.
This is a huge assumption on my part, but I’m a nurse in a psychiatric hospital and people don’t just get drugged by EMS and involuntarily admitted to psych ward for no reason. I think she is struggling more than she is letting on, which is understandable.
Happened to a young friend of mine (under 18). Suicide risk "danger to self and others" locked away. No family contact. This was in GA. Took them a week for the family to get them out of the ward.
So her recollection of it may not be exact but it is believable to me.
@@nicomyth sounds crazy, I would hella fukn sue the state for wrongfull detention.
Huh they must have convinced you well.
Lol I work in mental health too and use to work in a psychiatric hospital and it’s *incredibly* common for people to be overly treated in psychiatric hospitals; forced to stay for longer then necessary, over diagnosed, and over drugged. Don’t pretend that isn’t happening. Her story is *incredibly* believable, and is an all-too-common one.
@@KM-mw3jp Amen
Is there anything we can do to help her? This is one of the only people I've seen on your channel that is not entirely at fault for her situation. For a COVID nurse, I feel like this is the least we can do to thank her.
no simping allowed here bub
Bro she makes 32.5
The point of the show isn't to help them. It's to show them how to help themselves. If you just magically fix her problems for her she'll never learn to handle it herself.
Bloody hell. You buy that she's always everyone's victim?
If you do IBR you can do PSLF and pay 120 payments then get the rest forgiven. It’s common for physicians to do IBR during residency where we make 50-60k and not care about the interest. You will have to work non-profit which is literally any academic institution!
Edit: sorry I meant to comment this in the main lol
It sounds like she's really getting her life back upright and in order. Once you get in that spiral of toxic people, it's hard to break away. I'm glad for her, she seems like a sweet girl. Really looking forward to seeing the follow up!!
I have found that people who surround themselves with toxic people are also toxic people. When someone has no good friends, it tends to be because they are a poor friend.
FYI: Mental health diagnoses are an art more than they are a science. Go to 6 different therapists & you'll get probably at least 3-4 different diagnoses. You're not your diagnosis it's just a description of a cluster of symptoms that are not a forever thing 9 times out of 10.
Definitely. I also find that Americans tend to feel the need to get diagnosed and then use that diagnosis as an identity and then it turns into more of an excuse in situations.
Caleb's Freudian slip: "What's your financial situation? Give yourself a 0 out of 10."
Hey Caleb, is there any way you could start uploading the audio to Spotify as a podcast? I drive a lot and would love to be able to listen while on the road. Love these audits!
You can just play the YT and not look at the screen. I "watch" a bunch of eps in the car.
I really hope she’s going to be ok, she’s had a rough go of it. She’s got a good job and is a hard worker, hopefully with Caleb’s help she can manage her business and have a good rest of her life. Good luck girl you got this!
Love your videos. I’m well off financially, but whenever I feel like I’m overspending, I like watching your videos to gain perspective. Good job, Caleb.
Same!
EAP stands for "employee assistance program", you can start with that & the employer pays for the visits & then you can use your health insurance for mental health visits. They don't pay for many visits though, usually only 6 or so but it's a start. Also, if she has any sexual assault history or even just with the ex-jerk's abuse history, one can go to a local women's crisis center & get FREE counseling from peer support counselors who do help with the trauma aspects as many are trained in PTSD and CPTSD (which isn't actually an official diagnosis yet with the DSM-5) because most PTSD is long term, or comes & goes with triggering events. Also anonymous services at crisis centers for DV or sexual assault, they don't log in names.
This has been one of my favorite episodes. I learned a lot and it was nice to see someone who isn’t making excuses and willing to change around their lifestyle
Agreed 😊
I cant lie I love the jokes shes coming out with, understood every single one but it's also refrshing to see someone that is actually prepaired to actually do what Caleb is advising. Wish her all the best going forward and I'm glad she didn't let her past beat her!
I’m sure she’s made her share of mistakes (who hasn’t?), but she really needs supportive people in her life. She’s been in a tough situation, but I also feel like she can do this. She’s already overcome so much.
I agree.
As soon as she said Oroville, I was like "Oh."
We are going to pretend, that shes not an adult, and a very irresponsible one, all she dies is pretend shes a victim, and blames others for her decisions, blah blah blah, really hope she stays single and never gets pregnant , maybe a pet would suit her best
Man, her friends/loved ones have betrayed her over and over.
- No, Caleb, she shouldn’t sleep on the floor. But instead of buying furniture for $600+ dollars, she can get used items for a bargain on Facebook Marketplace.
- For collections, if she’s capable, she can negotiate a settlement for a fraction of the amount, and she can get it in writing
-$100/mth phone plan can be reduce if she switched to Mint mobile.
- disagree with the debt payment plan he has. Hospital bills have no interest, just do the payment plan. I would be paying off the car first, cause that’s $350 more free a month. And insurance rate will go down
Yes to Facebook Marketplace. It's the only positive thing to ever come out of Facebook. I have money, but, when we built a new house, I bought almost $20K of furniture on Facebook Marketplace for $6K. Buying new is stupid for her.
Completely agree with you... don't like how he treated her, particularly the find a husband comment... and don't agree with the plan. Medical bills rarely actually get collected or affect your credit
Austin has the best Goodwill stores too. It’s not the cheapest thrift store, but the stuff is usually in pretty good condition.
@@lrm52283 Well...seeing as she said HER plan had been to get married and have HIM plan her situation....that comment makes a bit more sense.
@@lrm52283he misunderstood what she said in the beginning about how she didn’t worry about her retirement in her 20’s because she just figured she would get married and someone else would take care of it.
Caleb, can you touch on what to do for those of us in our 30s with no retirement currently? (I say us assuming and hoping I’m not alone).
Wow. Getting out of Oroville CA in as good of shape (financially, mentally and physically) is really a testament to this lady's resolve.
Stephani if you can read this, my husband and I are both 35 and can relate to you sooo much. We both grew up in extremely abusive impoverished households as well albeit in a Midwest city. I just started unpacking a lot of my trauma .(I don't use this world lightly or incorrectly) Anyhow, please read this book: Complex PTSD: From Surviving to Thriving: A Guide and Map for Recovering from Childhood Trauma. It's been very helpful for me and one of the hardest book I've ever because instead of finding ways to escape my past it's like facing it head on and has the exercises to do if you can be self-motivated. I wish you the best
I am reading these and thank you for the book recommendation. I just finished “what happened to you” would be a great read for some of the mean people on here. I’m in that unpacking part too which makes it hard for concentration and keeping my timeline straight. I’m wishing y’all a good holiday weekend and luck with the journey. I’m starting my own page now so I can help educated the masses apparently about CPTSD and people can be less heartless and hurtful. I’m reading most comments say I don’t take responsibility but one thing I learned in therapy that none of the decisions were ones I was educated well enough to make. I raised myself from the age of 9 of course I did a terrible job. I was 9 watching 3 -4 other siblings and our mom was in jail. Mentally/ and emotionally maturity are things I am having to learn to see I am not as bad as others try to make me believe.
God bless you, Stephani. You are working this healing process and I’m praying for you 🙏
I love Caleb’s content way more than Dave Ramsey’s. It’s more personalized having the person there in front of you to confront them about their finances versus some random caller in America.
Ever thought about doing one of these live? Or is there too much risk of revealing pii?
Recently found out my parents did the same thing with regards to putting bills in my name. I also have C-PTSD and yeah, it's no fun. I also have an ex with a "he used my money but at least I got out alive" situation. And so much medical debt from a lengthy psych hospital stay. I relate to her so much, so so much. My eventual solution was bankruptcy, though. I know how bad that is on the credit report, but I'm alive.
Another Day, another breakdown of someone’s terrible spending habits. Happy Friday everyone!
@Hammer1201wow another Caleb, would be a shame if you were a scammer. 😚
What even is this comment? Did we watch the same video? You said “terrible spending habits” like it’s a choice she’s making. Like it has nothing to with how she grew up in the projects, her mom saddled her with debt before she was 18, how she had abusive ex get her to take out student loans for his car, her friend got her locked up for being suicidal and saddled with more medical debts, and she has CPTSD.
Not to mention even Caleb says her spending habits aren’t that bad compared to others. Come the fuck on. Let’s see you start with those handicaps and succeed.
I have been binge watching approx.15 of your videos...love the way you go about interviewing and outlining people's financial habits.
One common theme I am picking up on, is that the main reason people are in a financial compromised situation because they basically will not OWN their situation as it was caused by someone else or some situation which they could not control so it wasn't their fault and therefore not their problem.
Your approach makes it their problem and once they accept that they have a problem then they can plan to fix the problem..........the age-old adage you cannot fix it unless you accept that it is broke.
PS: I get infuriated at the education system (not the teachers) when I see young people that have no idea about how to manage money..............schooling teaches you how to get a job so that you can earn money, but they do not teach you how to manage that money, which is way more important.
@Hammer1201 recommend everyone reporting this scammer like i am
Nah don’t get mad at the teachers, they’re just doing their job. Get mad at the school boards for not teaching financial literacy
@@danreddick8884 They use to teach financial matters. I remember our learning about the stock market and even taking a field trip to Merrill, Lynch, Pierce, Fenner and Smith. And we pretend invested as well as doing a budget. Of course that was back in the mid-60s. It worked for me.
My grand-niece is starting high school in the fall. I think I'll talk to my nephew about teaching her to handle money responsibly.
Caleb you are wrong with the income based repayment in her case because she can qualify for PLSF as a nurse. She needs to know this!! My wife is a nurse and has a lot of student loan debt, but after 120 qualifying minimum payments under ANY plan your loans will be forgiven. Her job can set it up very easily. So why not go for the plan that lets you pay the least amount of money per month? However if someone doesn't qualify then making $6 minimum payments will never decrease their loan; you are correct in that regard.
I was going to mention this
120 payments equal 13.3 years 😅
Yes, PSLF is super helpful.
My boss just got her loans forgiven. It had ballooned to over 200k by that time, so I would just say that you have to absolutely sure and very on top of the program requirements if you're gonna let interest accrue like that
@@zeus_bets1308 $30 a month minimum payment for 10 years (120 payments) is $3600 which is a lot less than paying the entire $100k over the course of X years. No brainer.
I hope shes gonna do well. Family and mental health is rough. I wish her all the best. That stuff can invisibly mess you up and do so much damage. This is what deal with - involuntarily medical confined, family messing up your credit, etc. Love her sense of humor.
I am so rooting for this lady. This is one of the few that I really want to see on the show again in a year as a "Look how far I've come!" guest.
Why? There's been plenty on here that have endearing stories, why does THIS one deserve your support? She's a constant victim.
Can I just say that since I’ve found your channel, you’ve inspired me to focus more on improving my financial health and improving my savings! ❤❤❤❤
A 30 something! Finally! Much appreciated seeing older people who still don't know what they're doing! OR, better yet, screwed up in their 20's and now have to fix it stage like me! lol
Yea you're not alone I'm 32 and have a boatload of debt
Hey Caleb! Can you please share the Hammer financial score template so that we at home can also rate ourselves?
Yes, please! Would love to see a template on your scoring process!
❤ this episode. Very informative. I was behind the 8-ball before 18 from family issues too, dug myself out to be hit in a recession and lost a few grand in a few scams, bankruptcy to get out of that mess, that’s finally almost done and falling off to be hit with getting screwed over on getting an apartment with a friend. No savings or retirement. Also had a few injuries and medical issues, cptsd, undiagnosed learning disabilities
Im getting a second job to get an emergency fund with in the year. I now know not having one is an emergency. Ty caleb
Hearing Caleb tell her about how she is behind in retirement caused me to look up how much I should have in my own 401k. Apparently, you’re supposed to have 1 years salary in your 401k by the time you’re 30. I AM NOWHERE NEAR THAT.
I immediately upped my 401k contribution from 5% to 15%.
I just started it last year. I get great matching with my company now too so this fall I get 4% match on my contributions and stock buying options ( I’m trying to be out of debt for investing) - just set it on auto draw from your check and it catches up. I started at 10% of my 9-5income now I’m at 15% and I am putting $2550 in my HSA to use my untaxed money to pay all the doctors.
@@brandywade2773 thank you. :)
She is so sweet! I think she’ll be OK, just has to get out from under all that debt. I didn’t start ramping up my retirement savings until I got a good career job at 37. Now I’m 42 and have over $120k in there. I hope she finds someone who treats her the way she deserves to be treated!! Best of luck ❤️
I had a coworker 20 years ago who was 50 years old and didn't even start a retirement fund! And was surprised I already had one up and saving for almost 5 years! Now 20+ years later that guy still hasn't saved anything!!! He based his retirement off his Mom's estate, but after 19 years of fighting over it with his 6 siblings... They ended up with less than $20k each!!! They lawyers made bank off of all of them!!! He's still working at HD...
@jaclynschultz2616 Good for you!!! Keep going!!
That's awesome!
Shes a huge liability, hopefully she stays a lone and doesn't go around destroying someone elses life, and hopefully she doesn't get pregnant and destroy a childs life, any guy she sleeps with gets her pregnant would definitely walk away, single mother children are horrible people
That poor woman. First person I’ve felt sorry for on this channel. Her spending and personal finances were not too bad. The main reason she is in bad shape is because of her mom and that boyfriend taking out student loans to buy cars. It’s obvious no one helped guide her and teach her growing up. She had to do it all alone. Thanks Caleb for not going too hard on her.
Some of it was unfortunate… like Caleb says we are big boys and big girls, being in 7x collections and buying furniture on a credit card for over 1500$ is absolute financial negligence. As well as continued lack of preparation or health insurance for these common health issues. Love the content Caleb you’re doing the best you can for these people
She has a lot of excuses, she just disguises them better. It was someone else's fault she was in hospital on psych hold, someone else's fault she became a nurse and not doctor, someone else's fault for pretty much everything. She has a well paying job, which is a desk job which is rare to get as an LVN, most stay working physically hard jobs on the floor. She acts like she can get a better paying job outside nursing easily with a one year college degree in nursing, lol, she needs to stop blaming others and come back to reality. She is privelaged to have grown up in a family that encouraged a trade type degree and not wasting money on general college degree. She just a needs a shot of reality.
Aww good for her overcoming so much! I wish her so much luck!
I've heard of people putting credit cards in their children's name using their virgin credit to play stock market investments, take out loans, buy cars, etc.
I would never do this, and unless it was a matter of life-or-death, I fully support people who turn 18 to prosecute their parents for using their SSN as a minor for their luxury spending.
Stealing is stealing. Stealing from your children is evil.
I love Caleb. His reactions to people’s frivolous spending reminds me of when I review my husband’s credit card statement.
Hospital bills are the WORST!!! It’s so hard going to work everyday knowing that you will not get to see the money you’re making because it has to go to paying for something that you truly did NEED . Very difficult to deal with but my heart goes out to her 💚 the light is at the end of the tunnel keep moving forward
This woman needs someone to love her. She doesn’t sound like she has anyone who loves her or has ever loved her. Her mom took advantage of her and now is blocked, her ex-boyfriend took advantage of her and now she’s given up completely on marriage. I feel a lot of compassion for her.
Sounds like her problem. Like there's literal ogres that can find love, and this conventionally normal looking person is somehow having trouble? Get real.
You made her smile caleb and she doesn’t smile that often. LETS GOOOO
Wow just wow, she seems like a genuine person. I know here in Europe where I live if you have someone essentially commit fraud regarding Identity and financial things, you can have that striped off your credit rating so it doesn't impact you. - The banking industry in the US literally pray on vulnerable people and families it's actually a disgrace!
To have the fraudulent accts discharged she'd have to file a complaint with law enforcement which wouid lead to her mom going to jail.
@@andiward7068 which fair enough screw it she has to look after her best interest
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I've been trading with her for a while now, her profits are secured and over a 100 percent return on investments
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"I've seen a lot of good testimonies about her, she must be honest and committed for people to talk this good about her services"
Wtf, y'all know Mrs Shanita Creswell too wow, she's really a good trader, she's my portfolio manager, her skills are top notch.didn't take her for the famous type.
There is really no country restriction in her company, I'm investing with her from Australia.
I got out of federal prison for drugs on my 30th birthday. Broke, $130K in debt & in a big city with no one. Fast forward 7 years. I make $310K a year. No debt. I stopped behaving like a child and started saving like my 65 year old self was telling me he was hungry and tired of working. I have $200K in 401K now. It’s a mindset.
What do you do for work?
As I make my homemade gluten-free pasta for lunch on work from home days, I think how proud Caleb would be that I’m not eating out. Then I remember I have expensive taste and wonder how much money I am truly saving after factoring my love of capers and shredded Parmesan. 🙈
Lots of people here seem to have almost exactly the same past that shows in their finances. Terrible traumatic experiences abusive partners, family, friends etc. I feel so bad for these people since I come from the same place and it’s really a screwed up brain that leads to these finances. I have watched almost all of these episodes and listened to Dave Ramsey and from my opinion all these people can benefit greatly from therapy. For me therapy is a place where I don’t necessarily get helped but a place where I’m not confined or restricted in my brain. It’s for me to collect my thought and work towards things and not get overwhelmed or tunnel vision.
Your microphones are almost too good Caleb, your guest's mouth noise asmr is _significant_
Finally a guest that doesn't make excuses or push back against Caleb. She seems to take her finances seriously. Plus Caleb didn't yell or pop any blood vessels. Lol. Im very optimistic for her.
I love your videos, Caleb ! I’m getting my financial life together !
An RN who considers an LPN a nurse? You're a unicorn. Usually they don't or they pretend not to know what an LPN is.
With the medical bills if you call and say “I will pay you in full today but you have to offer me a discount” they will 9 times out of 10 give you a 20-30% discount because they just want something. If you do the payment play you will pay the full amount no matter what. I do this every time I get a doctor or hospital bill and have only ever been denied once.
I have c-PTSD too. It's hard to manage. Proud of her for getting her financials together.
After starting to watch these older episodes i really appreciate how in the newer ones you can minimize the UA-cam app and have the video continue to play while using another app
I have CPTSD as well and it definitely puts you in freeze mode for sure. Wish her the best ❤
Most people are unaware that your bank can do this for you. My sister went to her bank. They asked her what her financial priorities were and helped build a plan around it.
Hey Caleb! Enjoyed the video as usual. Have you considered doing a top 5 or worst 5 audits at the end of the year. Just a way to look back and reflect on all the awesome content you put out?
I feel bad for her. My father took 1500€ from my account but, at least, my parents never put me in debt on their behalf.
I wish her the best for the future ❤
This lady is a lot like myself. She's made some bad decisions, but she works her ass off and she's positive. She will triumph.
Hey Caleb, I absolutely love the audits of people who are in the dumpster with their finances, however, I would LOVE to see an audit of somebody with a score of 5-8 who is doing fairly well but needs a little bit of fine tuning to maximize their money (has no debt, no payments, wanting to learn how to heavily invest). Thanks for the work you’re doing!
This is roughly where I am, I'm a year older than this woman, and I ran a business for 9 years that made and lost money over that time, I shut it down and been stuck trying to recoup money I should've invested.
I feel bad for this girl 😢 It hurts me hearing about woman being in abusive relationships and dealing with the trauma she has dealt with. She deserves someone who will always be there for her and will show her love and compassion and understanding.
Good luck to this girl. She makes good money, but it sounds like she just can’t catch a break and keeps making bad decisions on top of a rough start. I hope she gets it together.
Hope she follows up and ends up super financially good!
The visuals for the budget talk are so helpful! Thanks for adding those
Definitely like this edit of the budget creation, good change!