Failed OF “Model” Is A Literal Clown | Financial Audit
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- Опубліковано 19 лип 2024
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Chapters:
00:00 Jobs and income
05:37 Is the manic episode in the room with us now?
09:57 So what’s the big deal here?!
14:44 Scentbird
18:45 Oh it’s “survival” :cold_face:
23:37 Dumbest decision I’ve ever seen :rotating_light:
31:45 She’s a danger to others!
39:00 How can you believe this?!
40:41 UA-cam Membership Exclusives! :moneybag:
45:20 Oh don’t start
51:25 Explain your addiction!
56:17 Your choices have consequences!
1:01:25 She doesn’t pay her bills… disgusting
1:04:00 Story time???
1:08:30 Empower
1:14:00 You need to turn things around!
1:16:29 You need a budget
1:19:11 Clean up this mess…
1:23:45 Hammer Financial Score
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🤦♂️ The list of ‘diagnoses’ AFTER you had to argue with her that she NeEDeD mental help….
👏👏👏 You nailed it early on 🫡
Stop the paywalls for financial audit content 😢 I’m trying to get out of debt but this show is my guilty pleasure and luckily it’s free, for now…
@@BestShootermanUbz this is free and always will be. Nothing we have made for free will be put behind a paywall. This is NEW and BONUS content that helps us grow and hire more people to make the main show better ❤
I’ll make it a line item in my budget as soon as I get back from vacation next week and can tally everything up for next month. 💋 mwah
@@CalebHammer understandable, I might have to slip you 10 dollars to get access to that additional couple audit though 🫢
My man's accumulated 1.2m subs on people's inability to look away from a train crash
It’s so bad it’s funny
The kitchen nightmares of personal finance
Everyone loves a train wreck
Yes. But it makes me feel bad all day.
Student loans? For a "Lead" at a bar?
If I had $1 for every guest that either watched OF, or had their own OF account, I could cash-flow my own Taquito manufacturing business.
I'll invest in your business if you can make buffalo chicken taquitos
I think its kinda weird. As a man, I have zero interest in paying monthly to see the same girl naked. Like, its never even crossed my mind to pay for something like that. This isnt 1990 anymore.
You'd have around $7
Yep, this generation and the future ones is cooked, honestly. With the rise of social media and Ai say goodbye to any real deep interactions outside your house 😢
You’d have like $5 it rarely comes up
Shopping at Victoria's Secret, eating at Panda express, and spending $178 bucks on nails = Survival Mode...
when she works at a restaurant and gets food next to free
She’s got not business being in Victoria Secret.
But she's an OF model, she needs her nails!! 💅
Don’t forget that she can’t afford her very necessary therapy!
The $178 on nails and eyebrows while talking about not being able to pay for necessities is WILD
With a double chin lol
take it easy on her guyssssss shes on survival modee and her life is soooo hard
but shes had such a hard life!
She could easily learn to do her own nails and save money in the long run if she needs nails that badly.
The worst part was she looked proud when he said her nails
“I have very few clothes” *has 50 outfits*
“I have very little to my name” *buys an Apple Watch a computer and a Nintendo switch*
“I have struggled to survive” *dad gifts her 30k*
okay.
It was 45k total that her dad gifted her. I think this might have been one of the crazier episodes.
Yeah. I'm bipolar and racked up credit card debt during mania. She's driving me nuts acting like she doesn't have power to put protections in place when she's stable. Put purchase limits on things, pay your LIABILITY INSURANCE. There's no amount of mania that would have me driving on the street without the bare minimum. Both because of legal issues and the CRAZY amount of harm you're risking doing to others.
@lizzyblitz07 the difference is you think about other ppl, this chick revolves around herself
So happy someone brought up the 30k….. that was given to her
Sir you forgot the other 15k and the "random stuff he covers" :-)
If she can afford nails and Sephora, she can afford therapy.
But muh survival!
Her point about what her insurance covers and doesn't cover makes no sense. I've never heard of an insurance company not wanting to pay for a therapist which is cheaper than a phycologist. Insurance companies love saving money and not spending it if they don't have to.
I think she's confusing it with the in vs out of network. I'm sure they cover a therapist, the person she is seeing is likely out of network. Which makes her pay in full out of pocket.
Girl has her priorities all wrong. She's prioritising things that make her feel good temporarily (shopping etc) instead of her future and mental wellbeing. All for the temporarily dopamine hit.
B-b-but she has a shopping addiction!
Yeah. No insurance is gonna deny you mental health help. They want your money for the next 40+ years. They don't want you die. @@sango182
She acted like her moving to texas story was going to be SO CRAZY and it was the least interesting that that ever happened.
'I'll forget it if I don't tell you now'
We fuckin wish you would've lady😂
@@onlyhannahfans There was this hilarious meme it's impossible to find because it didn't blow up, but this guy named Greg said on facebook something like "Might make some toast lol I'm crazy" and then one of Greg's friends responded "OMG CHILL OUT GREG" and it reminds me so much of this lady with her bland stories that she thinks are so 90's x-treme doritos
@@airthrowDBTnot the 90s x-treme Doritos 😂
@ShoobysOPINION Sometimes you just gotta kayak in the 7-11 to be XTREME! 😂
It's not a story though. It's her life. To her It's relevant and important because it's literally her life. Of course we won't find seemingly mundane things interesting
Glad Caleb called her out on her usage of "buzz words". She wants to be a victim but she's actually just a crappy person.
She came back around to an alcohol addiction later too, idk her but seems odd to mention that after all that time unless your fishin for sympathy
@@Spunion95 She doesn't seem like she cares about sympathy, more like she's just accountability avoidant.
@@Spunion95wouldn’t say she’s a crappy person, just immature and can’t accept accountability
@@Spunion95the alcohol addiction statement was complete B.S. She only started saying it after she got called out. She found out she could play that card to get more attention and sympathy. It’s so pathetic and embarrassing
@@corvettemode1556I completely agree with you....the alcohol addiction, depression, ptsd, bi polar disorder I think was all total b.s to escape accountability. You can tell she made up 80% of what she said to sound better in the moment. I'm assuming it's a normal thing with her
This girl is abusing the word "survive".
Let's not be dramatic. You're just irresponsible.
I'm curious how often she was going out to eat when she was in "survival mode".
Show someone from a Third World country this and tell them she's in "survival mode." What kind of work are you doing with those nails?
Well... she did work 17 hours a day at some point :P
and probably 2 hours of commuting, 1 hours of food, 8 hours of sleep, and then 1 hour to go shopping.... so give the lady some credit for being busy like 30 hours a day XD
Survivors are a dying breed
@@Edward-hn8ed I do believe, from her story, that her brain is in survival mode and never thinking about the future. As far as her real circumstances, it seems like she’s incredibly privileged and has squandered all of if thus far.
Being in 5 car accidents and not seeing the value in insurance is wild.
It would probably cost her $400/ month.
@@michaelweyenberg6238bruh the state minimum for her is probably like $800 bucks
And she claims that only one was her fault. I find it very hard to believe. I've been driving for decades. I've been in a couple "accidents" and all of them were my fault. Most people don't get into accidents that are not their responsibility.
@@maemorriMy wife gets bumped once a year or so. Every time it's been a high school kid and she's been stopped 😂😂
@@michaelweyenberg6238 Yeah, she was so proud to say her insurance would be $130 a month. There is NO WAY that's true, she has 5 accidents, a lapse of coverage, and awful credit. Does she think Progressive doesn't know they are one of the only insurance companies that will pick you up after lapsing? She literally said she owes them back pay too for letting it lapse time after time. This is one of the most vile and delusional people that has ever been on the show.
I've lived a hard life. My daddy only gives me $20,000 a year for no reason
Praying for you 🙏
Daddy's lil princess on OF 😅
"I've lived a really hard life and been in survival mode" & "My dad gave me $30,000" are two wild statements.
“I’ve been in survival mode most of my life”
Not 10 min ago she talked about how her dad gave her $45,000……..the delusion is strong in this one
Right 😂 I wish I had that type of support 😂 she is so screwed
Exactly
I’ve never been given money (other than celebrations) and I’ve had a way harder life than her. Our generation is weak
I can sympathize with some of her issues, especially having situational depression myself before, but her saying she’s had a tough life is just a victimhood mindset. Divorce is difficult but a significant portion of the population goes through it. Her life doesn’t sound any tougher than an average person’s. She just uses it as an excuse for her poor behavior.
Surviving her own decisions
Taking out a loan to buy a dog is crazy. Why not rescue one from a shelter? Or better yet, DON’T get an animal if you are not financially responsible!😡
EXACTLY !!!
The cost of medical care for a dog over it's life FAR outweighs the initial cost even if you are buying a fancy AKC purebred. If you need a loan to cover it you really shouldn't have the pet.
If you have to take out a loan to buy a dog you just shouldn't get one yet. Even shelters aren't cheap and around here the rules are insane anyway.
@@TheGreatMilksteakpeople really do need to realize that the cost of a purebred is peanuts compared to the lifetime cost of the animal. My Lab was 2 grand from the breeder but i needed 2 grand in equipment and costs 200$ a month in food and treats. Medical costs even for just trivial stuff has been hundreds of dollars for the first year and thats with insurance. It’s easily one of my largest single expenses.
Don’t ever rescue a dog, they are horrible.
How could she pay $23,000 for an 11-year-old car that when it was brand new sold for $12,000?
lol I bought a brand new Spark 1lt in 2012/2013 for 12,999 for 72 @ 0% interest lmao 😂
The "moved in the middle of the night" really got me... as that made it sound like she... burnt the house down and fled tbh... and pair that with "I don't have any clothes..." paired with "I have 200 pairs of designer clothes at home in boxes... so I HAD to blow 40000 on new clothes, as it was IMPOSSIBLE to ship a box here." is just... impressive.
"Lived a really hard life"? Came from a 2 parent home, got $40,000 from her dad, shops without considering bills, sure as hell doesn't miss any meals, has nails, Hair and brows done... No ma'am. Just because you got a divorce doesn't equal "hard life".
Right?!?!?
And as for divorce - you can bet if she was like this in the marriage I would divorce her yesterday. She got given 45k by her dad and she blew it, and rather than having appreciation she keeps saying her life is hard??!!
She lies and excuses her poor decisions. I have no doubt she was blowing apart the finances in the relationship too.
Sounds like the type to not work (or barely work) because "he is the man, he should support me", and then turn around and "share" housework because "its 2024 and chores should be equal".
Obviously this is a guess, but if she says she cant afford $150/wk for therapy but has $178 nails, it disgusts me.
Tori Spelling syndrome😂
Meals will never be missed
@@mmmd3429 cant b missed if they never leev! 😂
"It's just $3000. They should forgive it." It's just $3000. You should pay it!
This is why I don't like the govt steal from some people to give to other people. They end up believing they deserve the free money for doing nothing. All it is doing is siphoning from the productive to give to the unproductive.
😂 the Grinch's brain grew three sizes that day
Years ago my parents went to buy a new car, they where haggling over $50 on the final price, the salesman said "it's only $50" my parents said "well if it's only $50 you pay it" and walked out of the dealership. There was a message on the answering machine when they got home, the salesman dropped the $50
Exactly! I was thinking the same thing.
Her attitude towards student loans is disgusting and tells you all you need to know. "I got nothing out of it...and the government doesn't deserve that money" wtf? YOU signed the contract now pay up!
I work for the Public Health Dept here in Houston! There’s affordable mental health services that the county offers. Would love to pass on that information to her.
Please post it here. You never know who else might need it.
I know Caleb was tired of her going on and on about "survival" and "addiction", because I i am tired of it. I dont know how he does it.
The second I heard she turned a $900 purchase into a $2k debt I knew this was going to be wild.
@@Storming32 sometimes I wonder if these people understand math.
I am at that part right now and had to come read the comments. Hasn't made one payment on that because "survival" while having the audacity to show up with those nails.
And then she did it all while not having car insurance for 2 months already!
@@candacet8672oh, I haven’t gotten that far yet. Wonder if I can watch this entire train wreck
😂 and then got a car worth like $2500 for $500+/month. It's gotta be one of the craziest loans I've ever heard of... then the whole insurance debacle on top😮 insanity!
So far this audit reminds me of the quote “It's better to keep your mouth shut and appear stupid than open it and remove all doubt”
That's a good one. A similar one is " an empty can rattles the loudest".
Proverbs 17:27-28
27
He who has knowledge spares his words,
And a man of understanding is of a calm spirit.
28
Even a fool is counted wise when he holds his peace;
When he shuts his lips, he is considered perceptive.
To be fair, this is probably the longest she's gone with her mouth open and food _wasn't_ going in...
Empty barrels make the most noise.
@@AmbuBadgerimagine food being 30% of your monthly expenses 😮
the segment title being “is the manic episode in the room with us now” is CRAZZYYYY😭😭😭😭😭
As an insurance agent this is my worse nightmare of a caller
She owes $20,000 for a car worth $1,300 at a 28% interest that feels like something straight out of Black Mirror
Capitalism!
@@grabka1984 You can't blame capitalism for someone being an stupid and irresponsible as her.
…being an idiot is not tied to economic systems
Idiots love to hand wave bad financial habits on capitalism. These people would be screwed no matter what economic system we have
@@grabka1984you think it's capitalism 😂 that's hilarious
She ain't a manager she's a server lead. Lol.
They added "manager" so she felt special and important 😂😂
No manager works on tips she is delulu
Lots of places use fake job titles to make schmucks feel more important
She also wasn't an interior designer. She was in sales and if a person couldn't make a decision they may have asked her opinion.
Bingo. She also didn't work 17-18 hours a day. I've worked 63-70 hours a week for the last four consecutive months. That's a lot less than what she's claiming and even doing what I do would break her in a week.
Speaking as a nurse, most mental illness is accompanied by financial ruin. It is sad how it's not cheap for them to get help.
Why is Caleb promoting scentbird after I cancelled it because of watching his show 😂😂😂😂
I'm glad someone else noticed this discrepancy. I NEVER would have thought he would promote an unnecessary subscription like that! 😥
@@camelliaperez6209then it’s not for you. There are people who can afford subscriptions like Scentbird or his merch and it not be financially irresponsible.
@@camelliaperez6209I guess it's fine if you can fit it easily in your budget. But the weirder thing is the owner of ScentBird and her actions and belived... I feel like people haven't done research enough regarding this. Each their own, but she takes it a bit too far imho
He 100% supports spending on "wants" if you can totally afford it.
"ive lived a hard life". "My Dad helps me pay my bills and throws $50k at me just because im his daughter." the logic of not being responsible and wanting to be such a victim.
If her dad was smart he would never give her a single cent
@@Playingwithproxies If he still wants to help he needs to have her open her accounts and directly pay on those. If she chooses to rack up even more debt that's on her, but with ppl with self control issues it can be worth a try to pay the thing off
However I COMPLETELY understand if he doesn't want to give her any more $, he's gone beyond already
@@Playingwithproxiestbh I'm a bit perplexed why her dad doesn't get her working for him for money, given its her career goal.
That's how women like this live, pretend they have a hard life while being the most spoiled people on the planet
Huge victim mentality
She keeps amping up she’s going to tell these “crazy” stories and then when she tells them they’re pretty normal dumb decision stories. She is exhausting
So, I got married after knowing someone for 6 months... We got divorced for some reason? That made me sad so I purchased $30K of clothes and make up.
So, I had like a mental episode and just moved cities overnight unprompted and didn't realise financially that didn't make sense...
So, my mum like kicked me out of my own place, somehow, and it's her fault I got married after I knew a guy for 6 months basically.
Accurate! 😂
I'll be honest, I don't feel any empathy for people who struggle financially but somehow still spend on cosmetics
For someone that has gotten into 5 accidents I don’t thinks it’s a good idea not to have insurance.
The fact that she says she’s been living in survival mode her whole life but her dad has handed out so much money to support her??!? This is sooo disrespectful!
Seriously. Imagine if she invested and saved that money instead of spending it on useless shit.
I've got PTSD and even I don't call myself a survivor. She's just a narcissist.
NOT giving struggling family money... is really hard to do ... unfortunately.
no one wants to see family crash and burn because they don't have the cash.
and there is nothing you can REALLY make another person do to change their behavior or mind.
you really just want to shake your family member that doesn't want to wake up... but... it is reality.
it is hard to walk away from family....
there are probably underlining mental obstacles that not being addressed professionally or healthily.
victim mentality, selfishness, coping behavior, anxiety,
You do understand that abuse can also happen in wealthy families? Even abusive parents act like parents?
That just means she's terrible at survival.
Her: My bills are paid.
Caleb: But you are in collections.
Her: That doesn’t count.
Ughhhh
I was confused 😂
As I continue to watch this episode, the more anxiety I'm getting. I would be shitting bricks with not having car insurance alone.
“Certain” bills…
🤷🏾♂️
@@DaveSchull money I spent doesn't count.......
Omfg people like her dont want help from Caleb. They want a pat on the head and to be told they're doing better than they were and "good job". I freaking cant
"i dont have access to my (student loan) account". Followed by"i just need to give them a phone call" sums it all up.
Victim complex lives on
Her continuously saying that she can’t afford to pay her bills while having her nails done is SO CRAZY
You can’t afford not to pay your bills 💸 😮
@@hiimamustacheo literally!!!
Right! Her priorities aren't straight.
Health insurance would cost as much as tho God awful nails
A common thread across all the guests with zero self awareness is the inability to answer a question with a simple answer. Also gotta get their life story out for a simple question.
"What car do you have?"
"So, funny story, three hundred years ago, my great-great-great-great grandma lived on a farm, and...[talks for five minutes straight]".
Caleb: WHAT CAR?
Guest: "Umm, it's actually really traumatic, basically many many years ago the universe was created..."
Zero self awareness that no one wants to hear even one single story.
😂😂😂
"Except some people think the universe was created only a few years ago. Have you ever looked into the truth about the flat Earth?"
Most accurate comment I’ve ever read
They created narratives in their minds to justify their lack of discipline and free themselves of personal responsibilities and guilt
"i have 5 bins of clothes in another state" but probably bought a new outfit to be on this show. shes got the delulu strong on this. NO INSURANCE ON A CAR MAAM? youve had money given to you that most of us dream about.
I literally hate her 😂 $40,000+ and THERAPY could change soooo many ppls lives and she’s just making so many excuses 🙄 wtf dude 🤦🏻♀️
She wants to own a construction company. Her dad owns a construction company. Wonder why she doesn’t go work and learn under him.
Says a lot doesn’t it? He did give her $45,000.00 but won’t hire her. I’m thinking he doesn’t want the aggravation.
Because her Dad knows her well enough.
hes not going to let his own daughter ruin his name are you crazy lmao.
Those houses would be under water and poor quality and she would get robbed left and right by contractors. That buisness is no fucking joke. You fuck up you are on the line massively.
She genuinely has no interest in construction. Going into project management would be a power trip for her. She thinks that all an actual construction PM does is sit in an air-conditioned office, make phone calls, and boss people around. In other words, she just wants a cushy management job.
The number of people that see paying credit card/loan payments as “giving money away” is wild. YOU ALREADY SPENT THAT MONEY.
IT ISN'T YOUR MONEY ON PAYDAY is also something lost on people. It's insane to me. But I do love choo choo trainwrecks.
So many of these folks seem to think it is extra income. You are BORROWING it. This is your paycheck money you haven't even received yet.
Well it is giving away money when you use the card as you're going to be paying interest for this money. But paying the bill, yes I agree with you
guys she's literally in "survival mode". go easy on her
As soon as she said she was diagnosed bipolar, everything else made sense.
It’s incredibly irritating to see someone diminish bipolar like she does. You cannot have bipolar AND depression as bipolar has depressive tendencies. She is a liar who has a victim complex.
This one is super difficult to get through. This guest is driving me insane. She is full of it. Everything she says is a lie. She takes zero responsibility for anything she does
And she uses "le" unironically without speaking french....
Another guest who utilises pointless backstories and trauma dumping to cover up over their terrible decisions. Narcissist vibes from this episode - no accountability for anything, everything is someone else's fault, zero responsibility.
@@faithrider94i thought i misheard like is this suddenly 2011?😂
I thought it was just me. I said "GIRL PLEASE!!" more times than I could count. My goodness!! She acts like life isn't "lifing" for anyone but her..smh Put your BIG GIRL pants on and GET ON WITH IT!!!!
I was yelling at the phone as if I was there because of all the nonsense vomit coming out of her mouth.
We are getting dangerously close to guests just admitting to tax fraud in the intro. "Hi, my name is XXX, XX years old out of XXX, I commit tax fraud, and this is Financial Audit."
Omg right? I’m glad I work for the Canadian IRS or else I’d have to report every episode I watch! On that note I rescind my prior request that Caleb have Canadians on.
@@latulip100to be honest, I don’t think there are any concerns. No one on this show makes enough money to warrant their attention.
Edit: Ok, no car insurance what the f… that’s a problem.
@@latulip100I wonder if there are any viewers who have collected the bounty. The IRS in the USA have a bounty program.
Hi I’m blank and your watching tax fraud on Disney channel 😂😂😂
@@latulip100 Canadian IRS? We have the CRA.
Caleb having a scentbird subscription ad is upsetting.
Right? Where do we go from here?
Why ?
not having car insurance is insane
.. and way too common. So many people drive without it here in TX.
@@Shillmehowtoliveis that illegal there?
A person with multiple mental health diagnoses who moves cross country and buys whole-ass dog during manic episodes should absolutely have a dedicated psychiatrist. Not actively treating your illnesses is irresponsible.
With all of the lies she told I doubt she's been clinically diagnosed.
You do see the circular argument fail in your logic though right?
I doubt she's been diagnosed, she's just playing victim.
As someone with a severe mental illness, all of these people questioning her diagnosis without knowing her at all or having anything close to a psychology degree are going to make me explode. I presented similarly to this girl while I was barely able to drive because I was hallucinating people in the street and swerving out of the way. NOT talking to the person who made the main comment - but the commenters on this comment make me sick to my stomach. Mental illness is so traumatic and is NOT just an excuse or playing victim. It is the most traumatic thing I’ve ever been through, and I’ve seen some shit.
@@KallieMaeYou make a great point. However so many people claim mental health issues as the reasons why their life is in tatters, yet they have a combo of other issues like not getting a real formal DX or seeking therapy/treatment/meds. Instead they flutter around faffing about making messy life decisions and then say "I have a mental illness...." like that makes whatever damage they've caused okay and excused. She has a me tal illness and she refuses to get help. Getting help is in fact in her reach, yet she just does not care to do it. That means any sympathy she is trying to fluff up is DOA. Loads of people have trauma and mental health struggles. It isn't necessarily anyone's fault, it doesn't make them unworthy, but it is 100% their responsibility to get help with and treat. Since she doesn't care to do that, people don't want to hear it.
This woman is deathly allergic to accountability
In concerned about her owning a construction company if she thinks project managers move up to superintendent and has this level of accountability
THANK YOU calling her out on her use of the word of “addiction.” That rant was so spot on. As someone who has been addicted to various things for most of my life it is so frustrating to hear people use that word that way. It is something that affects me every day of my life.
Exactly!! People throw addiction out there just as an excuse it's so frustrating and annoying.
I usually try not to diminish someones experiences because you never know what someone has gone through. As soon as she said "shes always had a hard life" i was ready to sympathize. Then listening to her list off HER choices that she made, and then say her dad gave her thousands of dollars to help her out, and then seeing the almost $200 she spent on nails.... Nothing happened TO her, she got herself here on her own. As someone that has genuinely had a difficult life that I didnt even want to live through for the majority of and ACTUALLY had no help, hearing this was infuriating. This girl doesnt need therapy, she needs to wake tf up. Shes not mentally ill, shes incompetent. I usually dont comment, especially not negative ones. But this sucked and she sucks. Ungrateful and selfish. If you can shop at sephora, and make MULTIPLE trips to Victoria secret you are not in survival mode. delulu. what a slap in the face for real survivors.
I was ready to do the same... But as this video continued all I was hearing was what most people in this world go through, I hate thinking or commenting about someone's life especially not knowing the whole story, but I couldn't help but feel like she was told no and considers that to be PTSD.... Idk, but as someone who's been diagnosed with exactly what she listed, it just didn't seem genuine... Like she heard other people say it and started to use it herself. She just doesn't know how to take responsibility for her actions.
I wouldn't discount the therapy and mental health just because she's irresponsible - you can have a mental health condition AND still just be a careless, unaccountable person anyways LOL
I will never understand why people go on this show for help and then fight every single piece of advice, even down to how many outfits someone may need..
Literally she’s like I’m here to get help. Is defending every single thing she says…it’s exhausting
40k would change my life. I wish my parents or grandparents would give me cash like that.
All she did was debate to justify and learned nothing
So let me get this right... Won't pay $150 a month for health insurance because it's "too much", but will buy an Apple Watch, laptop, and Nintendo Switch and pay $166 a month for it??? I'm starting to lose sympathy for Americans who are struggling financially because this show has proven time and time again people will choose luxuries and fun over basic necessities.
Nails for 180$🌈
To be fair, it doesn't look like she planned on paying for those electronics, seeing on how she still hasn't made the first payment
Credit is what is enabling peoples bad habits. Many people are convinced that its okay to take out loans and be in debt so they easily fall into it. Financial literacy needs to be a required highschool course nation wide
@@michaellopez3681 Absolutely!! I been talking abt that to my friend for years! How to balance a checkbook, budget, how a lease and a mortgage work. How DEBT and credit cards work, healthcare etc. It should be mandatory for ever high school junior and senior to take one class towards these subjects each year! The amount of adult babies walking round this place , everywhere, is staggering!!!
Dont feel bad for this person nor many Americans. They don't have to he in these bad situations but some Americans r getting fkd barely getting by
Wait she is expecting to take a two-year degree and sit in an air-conditioned office and supervise men who have been busting their a** in the construction industry since high school? And she doesn't have any experience in the trades. What happens when her coworkers find her OF account? Does she expect them not to comment or question her after seeing her OF account. Also any man who is paying for her OF account is down bad. They need a wellness check.
Not sure if you'll see this Caleb but what the "Buy Here, Pay Here" car place does with people like this is put in as a $23K loan, on a $13k car, pocket $10k as an insurance policy, and sell the 13k loan out to somebody else, probably for 6-7k, let them deal with the headache and they made $16-17k. That's the reason they can't send her the loan agreement, because it is highly illegal and all she got to go by is her words.
- "I have a shopping addiction",
Caleb: "don't use that word, you're not an addict"
- "I know what addiction means, I have a friend that has addiction",
- "I meant addiction as coping"
- "Both my parents have addiction"
She's just a pathological liar......
I can't believe any of her "sad" story she's trying to sell, she constantly lies and tries to look good.
she's just irresponsable and has been "surviving" cause daddy bails her out every single time
I'm sure if her dad knew she was screwing guys on camera for OF he would stop bailing her out.
If her dad wins 50k and gives you like 40k of it he's probably not an addict.
My thing is. If she had a real addiction she would do anything to keep buying. That would include getting a credit card. And a lot lot more debt.
@eileensuki5696 that's not true. Her continuing to spend her money knowing she is unable to pay for things already, had debt racked up, doesn't have health insurance etc that is a shopping addiction. Addiction isn't linear. Some people get so bad on drugs that they have sex for them. Some people manage jobs and gave families while addicted to drugs. She clearly is bipolar and has a shopping addiction. She took the words back bc he was berating her saying she can't use that word. Her saying she could stop is something ALL addicts say, that doesn't take anything from the fact that she has put herself in an awful position due to a shopping addiction. People fall into addiction BECAUSE they lack coping skills that work and their addiction is the closest thing that helps. So her saying it's a coping skill is just another way of saying her addiction is the only thing that makes her feel good and what she's defaulted to for coping.
@eileensuki5696 Her pride is that is what I've seen a lot of addicts do. They will say "yeah but I've never been drunk at work" or "I'm not doing crack". They put a barrier down and as long as they don't cross that it's not an issue.
Her problem isn’t addiction. It’s instant gratification.
That’s an aspect of addiction lol
I got to the part of the video where she essentially admits not to not having an addiction. So apologies! Yeah an unhealthy habit, with traits of such shopping addiction but not solely a shopping addiction
That’s what tiktok and OF does to that generation.
@@harrietxo2310 I’m not saying she doesn’t have issues that lead her to spending, but I think it’s other mental health issues.
@@katiep5256
It's not even mental health issues. It's just lack of accountability and refusal to face her situation. It's laziness, it's selfishness, it's irresponsibility and it's simply refusal to grow up and adult.
"I don't even buy groceries"
Girl wtf
Listened to this entire episode on spotify and decided to head over to the UA-cam channel and subscribe afterwards after you put her in her place for throwing the word “addiction” around. I fucking love you Caleb! Your show has helped me so much.
$1,500 for a dog kills me dude, I have 4 rescues for a total of $160 in adoption fees and they are AMAZING
I have a rez dog. You can just take dogs from Indian reservations for free.
@@LunarLocust wait really? Thats cool if thats true
*who wants to bet she has never bought anything 2nd hand in her life. buying from a breeder while shelter pets die - she 100% did not want a friend. all her problems stem from being an unethical person.*
I have a big galooph of a dog who cost 120 in his adoption fee, and he was worth every penny. 1,500 is ridiculous money for adopting a dog. If it's stuff like medical needs that's one thing.
@@pensandshakers With that money she could have got a rescue dog and a couple of years of top tier pet insurance. 🤦♀️
Caleb: "These nails are WILD."
Guest: "Thank you"
Caleb *that wasn't meant as a compliment*
How does she wipe?
💀💀💀
@@pinkisforpimps Very carefully
@@pinkisforpimpsShe does the turd tickler.
@@pinkisforpimps you use the pads of your fingers very carefully
"I'm trying to get myself out of a hole I've dug myself into" by starting a construction company.... Errrr that's not valid experience of digging holes in the construction sense
I have been a long time viewer, many of the guests are absolutely devoted to immediacy and convenience even when it means being a financial disaster
The longer the nails the worse the financial situation
😬😬😬
It's true!! Those toad stabbers are so long, she can't do any reasonable work. Also big, fake eyelashes (like neck and face tats) are a good indicator of poor decision making.
Nail length on a woman is inversely related to her judgement.
Then I have excellent judgment since my nails are down to the nub
😂 there's truth in that. And, the longer the lashes
Her makeup and the lighting in the studio are having a battle of epic proportion🤣🤣🤣
She looks like Dee in that episode of Always Sunny where she says “Guys, I am glowing like an angel!”
I've been listening for the first 20 minutes... I just finally got to the video, and truths have been told.
I thought she'd been hit by a bag of flour on the freeway.
Blush blindness 😂
She PALE
Living a hard life is no excuse for bad financial decisions.
The best sweet treat I had this week was this episode pointing out that i've had the same clothes since highschool and i'm 30. 🥺 Lmao
If you can’t afford car insurance, you can’t afford a car.
Bingo! My mom once told me “if you can’t afford insurance, you can’t afford to NOT have insurance.”
But actually 😂
She spent $1500 on a pet store dog and then gave it away 🤦🏻♀️ the longer this episode goes the worse it gets
She could have adopted for $50. As soon as I heard this tidbit I went from disliking her to basically hating her. $1500 means a boutique breeder dog, completely unnecessary.
I shook my head just like how caleb shook his head. Smh
She no doubt sold the dog to some stranger on the internet then spent the money immediately on stupid shit like nails, gaudy makeup, eating fast food.
@@loriej9297😢 poor dog
She's also had 5 car accidents and doesn't have insurance - fair to say not a lot of regard for anyone's well being
Caleb, your channel is a straight up ministry. For real. I never realized how good I'm actually doing until I watch a financial audit from you.
People getting 45k from parents while most of us know there is not even anything to inherit AND not even support of $2k once 😅
Her casually calling her bad shopping habit an addiction was so insulting to actual addicts. Thank you Caleb for calling that out
FOR REAL. Thank you Caleb.
@@jamiegallupe9875. No one has bad habits or lack of will power anymore. Overeating? It’s an addiction. Gambling? Not poor judgment - it’s an addiction. Out of control shopping? Not weakness - it’s an addiction. I’m old (77). Addiction only used to apply to drugs, alcohol and gambling. Now it’s anything you don’t want to claim ownership for.
My brother is a drug addict that nearly died several times until being forced into in-patient rehab and you could have easily sat him down and said “stop making excuses for yourself, you’re not an addict, you’re making bad choices” like Caleb did… we don’t know this girl and we are not therapists. This is a ridiculous thing to say.
@@KallieMae but I am. She is lying. Its a self pacifying behaviour, but not an addiction. If she is seeing a therapist and paying for it, she needs to find a different one, as that one is a sham.
@@KallieMae Addiction is not a real thing, only a consequence of poor self discipline. Simply choose not to do the thing you're "addicted" to, it is really that simple. Speaking from experience.
I appreciate you calling her out on using the word "addiction." People love to throw that one around.
And she did it again after being called out. "I struggled with alcohol addiction" when dealing with the divorce. Drinking excessively as a coping mechanism is not the same as being an alcoholic. I honestly don't think she's ever done anything that's been hard. She seems to default to excuses and blame anytime things get difficult
That and mental health issues.
I think we have to take a moment to thank Caleb for having the mental capacity to deal with all these ups and downs of emotions. He literally puts his mental health on the line at times to give us the slap in the face we need
The whole car insurance issue really pisses me off. It’s not expensive to insure that car. Running around, with no regard for anyone else just to save $50-$100 a month. I’ve been hit by an uninsured driver and it’s maddening. So irresponsible and selfish. Doesn’t haunt her enough, or she would get insurance and skip a few shopping trips. So stupid
You are not serious about getting out of debt if you have fake nails, fake tans, and makeup tutorial makeup.
Maybe I didn’t get to that part yet, but she either hasn’t paid for one lately…or her fake tan is washing right off in the shower.
She’s as bright as a 100 watt light bulb!💡
There is no tan.
@@mangomadnnessstan as in bleach
Lol, makeup tutorial makeup is a great way to describe her face.
@@archerstevens2362 sun bleached
She has never had a credit card because she got denied. Even best buy wouldn't give her a card
Yeah she said she got that 112% interest rate electronics purchase because she was denied for the card, so her bragging about not being in credit card debt isn't an accomplishment, or even lack of trying
Store credit card are usually harder to get.
Interesting. New tiers of membership! I can’t afford taquitos at this time, but happy to see the expansion of content😊.
Not being able to afford car insurance is going to be the least of her problems once she’s arrested because she’s driving without insurance. And, if wasting time watching too many “entitled Karen arrested” UA-cam videos has taught me nothing else, she’ll be the type of traffic stop that ends in being tackled to the ground by six cops while she bites/punches as she screams “I didn’t do anything wrong!” and then crying at the jail because “they hurt me!”
“I LITERALLY have NEVER made a budget in my life. When I first made one it was disheartening knowing my expenses were more than my earnings.”
Knowing your red is important once known then work to get in the green track your receipts 🧾 show through actions no bragging 😂
Internal contradictions for $100, please 😂😂
This might make me a dick, but I don't believe she struggles with any mental health issues at all. After she got called out for lying about having a shopping addiction and then went on a rant about her life being hard, I couldn't believe her. As someone who actually struggles with clinical depression, anxiety, and panic attacks, it is no excuse for me to live life irresponsibly
Yeah, I'm curious what her day to day was like if she was diagnosed depression, GAD, PTSD, and Bipolar at the age of 12. She glossed over her parents addictions but made several points that a close personal friend struggles with addiction.
@unavoidablycanadian397 what concerns me is if she does have bipolar and is unmedicated, things will only get worse.
I think that lying this much is itself the evidence of a mental health issue. Mentally healthy people don't compulsively lie.
I had enough of her by then. I had to skip over her story time
@@briank2502 I did the exact same thing
Bless you for going into this much detail for your guest. I truly hope she benefitted from this. This kind of work should really help a person out
Seriously: if she drove there they better not have let her drive off after this. You have to call the cops because idc what shes gone through, she could ruin someones life
“I’ve had a really tough life”
“My dad has given me over 40k”
Wha
Her dad basically gave her HIS lottery winnings …..
Also doesnt have time to call about student loans, but only works 36 hours a week and somehow sleeps from 6-4. Then says she is going to work 40 hours a week while taking 12 credit hours of school...
@@erick3755”I couldn’t access it” is always the biggest cope on this show. As if that’s what keeps her from paying. I bet she’s one password reset away from access
@@dayne6597 Hence why they say most lotto winners are not very bright people, financially speaking.
Hard life but your dad gives you $40,000?!?! Not that money solves everything but you clearly have a support system. Why not ask him to help you get therapy with that money?
Great idea!😮
Because then she wouldn't have 50 outfits, nails done and fast food.
No insurance with a brand new set of nails lol
such a vibe
@user-hq3ul5pj7s that's like not paying rent but buying clothes.. sounds like a good idea
Overnight worker with 3 jobs here: I call ABSOLUTE BULL on "didn't have a chance to call". Its hard to sleep in the daytime, so one of those times you wake up, CALL THEM. Whatever day you're off, CALL THEM. GIRL, take a very long look in the mirror and get s grip. These are excuses.
The 26 yr old woman who’d father handed her a total of 45k says “She’s had a hard life”!? No she’s just spoiled and irresponsible! She’s acts as if someone’s coming to save her. NEWSFLASH: No one’s coming!
Who knows, her dad could win the lotto again and give her 60% of the profits again 💀
She says she is 26 at the beginning and then later she says she is 27….sus
This episode was a waste. She shouldn’t even have been on the show. No one wearing that much makeup with nails that long is talking about sUrviVAl 🙄….
Even from a pure entertainment level, this episode was hot garbage. Fortunately, it's not the norm.
$178 on nails is ridiculous
She reminds me of honey boo boo Alana Thompson. The ridiculous nails, the "got a part scholarship but is still allegedly poor".
It's brave to come on this type of show and be as open as she was. I like that she has a career field that she's working towards, and it's realistic. The fact that she has family that might be able to help her get into that business is a bonus. I feel like her having an excuse for her behavior is going to hold her back. Nothing is as motivating as deciding that you have control in your life, and acting like it. I really hope she's able to get her finances in control for September and can start school.
It’s wild that making porn and sex work is just a casual option for so many people.
When she’s talking about all the clothes she has, Caleb looks like he wants to go back in time and refuse to do this episode. 😂
You see it at 5:40 first *mentally whispers “fuck!”*
I calling bs on her saying 4 of the 5 car accidents she's been in not being her fault.
No way you get into 5 accidents by 26 as a good driver.
Never had a single one.
I had two in a 8 month period. Both by a drunk driver
I have been driving for at least 7 years and had NO accidents.
And the country where I live has crazy traffic. She IS def lying.
You don't have to be at fault to be a bad driver. Chances are she wasn't at fault, but if she was a good driver, she could have avoided the accidents
It takes two to get into a crash. Often there's nothing you can do, but also there's just basic situational awareness.
She is spending for a fix. It’s like a gratification thing. It just makes her feel good. She is missing the bigger picture.
"Just three thousand dollars...". The entitlement is ridiculous. She said her father and mother both suffer from addiction. She probably felt entitled to his $50,000 because "He'll just spend it on [insert drug of choice]". She equated her "shopping addiction" to a "coping skill". I don't think she understands what a skill is. $1500 for a dog? When there are shelters full. I feel bad for her ex husband. Her father raised her to be like that so don't feel too too bad for him.
Edit: She said "I milked that man dry"! About her own father!? Shows you what she thinks of people. They're there to be used 😠
She forgot the word "maladaptive" on the front of the coping skills
Her ex husband was smart for leaving her. She's constantly not wanting to take accountability for anything.
Best decision he ever made.
But one of her five car accidents was her fault, lol
If you're 27 and just now feeling the pressures of adulthood, you've either had it VERY easy or have refused to grow up
I genuinely think she's there because her dad's cut her off
The most underrated comment ever
My teachers told me if I didn’t go to college I’d be a garbage man. In 2015 I graduated high school, got into a trade union that paid me to learn/earn certificates, at 23 I was a journeyman making $58 an hour, now I’m 27, I have my own business and employ my union brothers, with a family of 6, two cars, one house and a vacation home, 22 acres of land, and a comfortable living.
BUT she's lived such a hard life!!!! Holy crow she's making me angry with her childishness.
After having this playing in the background for a while now, I totally forgot she was 27.. I thought she was older just mentally 15 😅
I hate how she acts like it’s a tell all or an interview where we all are DYING to know about her life story 🙄 GET A GRIP GURL!