Neglectful Mom Chooses Pleasure Over Children | Financial Audit
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- Опубліковано 19 лип 2024
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I learned I apparently hired the worst producer in the history of the world in today's Postshow: ua-cam.com/channels/Le_q9axMaeTbjN0hy1Z9xA.htmljoin
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Worst producer beat autism though...
I saved $250 by canceling my Hulu with Live TV package for 3 months until football season starts. Maybe I will take $5 of that and join.
I hope that was joke.
Caleb, I tried signing up for Acorns using your link, but because I signed up for their service about 7 years ago, and never used it, I couldn't get the bonus.
Could you perhaps suggest a resignup bonus for people that have been inactive on their account for a certain period of time. Maybe 48 months or something? Thanks
Hey Caleb! I work for a mortgage lender as a credit consultant and I would love to talk to you a bit about credit especially the Fizz Card. I have to recommend people opening up credit cards to help build their positive credit history and I wanted to know more about the Fizz card and how it reports (primary reason being Chime and Kovo and Current and these other pop up cards DO NOT report like credit cards on reports and are hurting people's credit). I think a Fizz card would be a good responsible way for clients to build credit. Also, I would love to answer any questions you have about credit so for future audits you can direct people in good ways of paying off their bad debt which will help their credit (For years down the road when they are financially responsible enough to take out a mortgage).
3 kids, no ring, and her long term boyfriend paid for only fans with her money….. beyond me.
SO SAD. Where is the self love and respect. Especially after a child comes into the picture..
I love how no one else mentioned this!!!! He’s a LOSERRRR.
Bro, this is depressed me…
Jesus….
She just lets anyone hit it and quit it RAW
Not to mention, he racked up $500 on her bill & had to be bailed out by mommy. She needs to cut him loose and redefine her priorities. She’s too young to be so checked out.
She said her bf couldn’t work because his hands were messed up from an accident yet he’s buying OF 🤔 seems like his hands are working just fine
Exactly what I was thinking hahaha , to be fair she said one of his hands messed up. But it seems he can use one hand good enough to work
Exactly lol
Worked so good that he was able to finger blast her into having 3 of his kids. This lady is doomed. Coming from a household with less money and less connection, she’s stacked the deck against herself at such a young age.
That is so disgusting. What a complete pathetic loser he is!
Also if he actually has a permanent physical disability, he would be able to apply for a government subsidy. So regardless, whether he's disabled or not, he SHOULD have some form of monthly income
She said the kids were planned but there was no plan - the kids were a decision not a plan.
Apparently they were a plan to get 10k for SHIT 😂
Twins can't be planned for buddy
Imagine having 3 kids, making poverty level money but getting back 10 grand for having those kids and just blowingggg it on nonsense. Her boyfriend seems like he may be a disrespectful bum and she doesn’t seem all there. What a mess.
She did blow a lot of it but I was pleasantly surprised she dedicated 4k to the debt she owed the MIL
Ok that's a nicer to say what I was kinda trying to say 😂 he's so stupid "my mom and my boyfriend didn't have a job so I took them to a concert" "oh I'm getting a second job so my boyfriend can still not have a job" YOUR BOYFRIEND BETTER CLEAN THE HOUSE COOK DINNER AND KEEP THE KIDS CLEAN HAPPY FED AND ENTERTAINED!!! Postalone concert,,, dad over there smoking weed probably got the kids trapped in the bedroom watching screens all day 😢
Welcome to America. This is the American dream!
She could have paid mother in law off and almost paid off the scion
This is the strongest case of the lights are on but nobody's home I've ever seen
She is a literal mouth breather. Her mouth never closes and those big gums and teeth are just awful…and her voice…dear lord.
And boyfriend is taking full advantage of her stupidity. Why does he have any access to her accounts? For OnlyFans?
Lights aren't even on bro
I think there's a nightlight on in one of the rooms.@@floridamanHooning
The wheel is spinning but the hamster is dead.
10 grand because of your kids, NONE of it spent on your kids, and still in debt. Dios mío
Diosmioooooooooooo!!!!!!!
To be fair, she claims 1600 spent on her kids at target.
10 grand of your and my money because of her croch goblins
@@exqueue3813probably all on toys and new tablets but no necessary things like clothes and hygiene stuff.
@@ItsErica9090you make a lot more than 25k a year.
$665 for a car payment when you’re making so little is borderline insane. I’ll never envy anyone I see driving a new car ever again I don’t want their problems lol
Her annual income is $44k (work) and $10k (taxes) her rent is $500.00 she can afford more than most Americans
@@VendettahHelsingshe has 3 kids man
@opheliadays5803, my granddaughter is 27 years old without any children. She works for the city and lives with her fiancé who owns his home. She owns a 2013 Jetta and it cost her cover $1500 for repairs a couple of days ago. While wait for the repairs to be completed, the sales department called and offered her a trade of a later model. She kindly told them she’ll take it if they were giving it to her for free. We had a good laugh!!!!
$500 in rent in Austin!? You can't get a studio in Dallas for less than $1400.
Working at car dealerships I can tell you, ALOT of people go in debt for vehicles. I’ve seen someone take on a monthly payment like a mortgage. @ $1300/month I don’t like any car that much!!!
I know a “single mom” of two that’s gotten crazy money from the tax credit and blows it all on vacations and plastic surgery for herself but tells her kid she doesn’t have money for her to try gymnastics. It’s so sad and frustrating. That money is because of the kids and to help provide for them not to blow on yourself.
Tell the kids the truth
She’s the girl at high school graduation that you don’t know but genuinely worry about how they’re going to make it out there
Who’s family is over celebrating graduating high school because they know that’s all their kid will accomplish
@@myplaylists6310 ouch
She's the girl you don't know but wonder how she graduated
@@myplaylists6310 and is the only one that's graduated high school in the family. Ever.
She’s that girl that parents especially the mother didn’t teach her shit because the mother was a piece of shit and a selfish breeder then she became a selfish breeder herself.
Him using HER card for OF is SO disrespectful.
I must have missed that part! So gross on so many levels.
And beta and disgusting...dudes working at pap John's and kids around and he thinks that's ok? Cause he know she would see....dude is probably a predator
Why do people pay for that stuff there’s free stuff to get your urges taken care of
@@samanthagriffinv2.08 custom stuff?
OF and tapes 😂 he is the broke boyfriend meme hugging his girl from behind at a store 😂😂😂
I'm genuinely saddened by the clip of her not returning the car, it's such a golden opportunity and getting the key fixed would take almost no time at most locksmiths
She is clearly easily molded and manipulated.
@@starsantheoriginaleh, she said everyone pressured her into keeping it but that’s probably just a lie. lol In the video she constantly pawns off accountability. Doesn’t even say thank you for the $250 to fix/tow the other car. The kicker was her saying she doesn’t regret spending all that money for the concert.
Guarantee "all the people " was her boyfriend😂
@@KrystalMimms lol Or it was just her and she pawned off the blame on everyone else. I’ve noticed most of the people that come on this show almost always shift blame on someone else or some event. 😂
I think everyone has already commented enough on the speed at which she responds and seems to absorb information, and her appearance. Like she said, she asked to be part of financial audit for a reason. I hope that she fixes her bad spending habits and chooses to do right for kids and herself. If you are reading this miss, please know that you are capable and are allowed to set boundaries with your partner. A person who does not respect you, is a person who does not love you or care about the best for you. Be blessed.
The issue is Caleb and others can advise her how to be financially successful but if she doesn’t put the work in it’s a waste of time.
Yeah I didn’t see the relevance with commenting on her appearance…
For real all I see is another human who is doing what their parents did to her. No one wants to admit a big portion of the last few generations treated their kids like they came after them. Well the parents who chased money and success atleast.
My mom made me in to this same irresponsible adult. Laughs at me when I say I want to make a budget because she is too good for one. But she rails against me that I am not more fiscally responsible. We need to be having a conversation about abusive parent dynamics that carry on from generation to generation. My grandparents did this to my mom and her sisters, and so on. Yes as an adult we can choose to be different, but in most cases we’ve never seen different, and live in towns where all the parents are the same and some kids got lucky and got the “big corporation job” our grandparents told us to get. But most of them are just like this here.
I’m glad I only have dogs and stopped dating, I’m afraid to do what my parents did or worst. Anyways sorry if this is more of a rant. Was meant to say I agree, and this should be a National topic about this stuff, then a conversation about finances. Otherwise many will just fall back in to habits and familiar patterns.
@@gs2782it’s because you can see that she is vulnerable, and you know her creepy, porn-rotted boyfriend tells her he needs OF because she’s not pretty enough, and he deserves his fantasies 🙄 That’s why it’s relevant.
Finally a compassionate comment. There is so much going on here, she is brave to come on here and try better herself. I wish her well. Her bum bf was too scared to come participate and he is a major part of the problem
Buying a new car because you only have 1 key for your current car is probably the craziest thing I’ve heard on this show
Guess you don’t listen very well. She said she had on key that hot broken. Which equals zero keys.
Point still stands though, you can hire a mobile mechanic who will come to your vehicle if you show them proof of ownership they will cut and code a new key for you. It takes a few minutes and costs a few hundred, would have been the better option. They just wanted a nice new shiny car and don't understand how much it will actually cost them.
@@tiffanypoehler6191He listens as well as you type haha 😂
It sounded like the key fob battery was dead which (for me) was a job that requires a total of ten minutes time, a butter knife, and a 50 cent battery from Amazon to solve.
@@ChargedWordsagree plus she of could use that 10,000
This was a hard one to watch as a social worker. Her children deserved that money.
Thank God for social workers. They helped my Mom, a single parent, and I. I hope this young lady gets help too. Caleb is also doing the Lord's work.
Thank you for social workers for always taking the sight of the mother and then giving them money and then watching them squander it away especially when it comes to child support payments
@@Boc3phu5social workers are useless. They enable this behavior for single irresponsible mothers.
@Boc3phu5 lol that's a stretch.
You’re not one lol
The fact that her self esteem is so bad that she is keeping around a dude that has effectively mooched and cheated on her. When people say to stick around your man at his lowest... this isnt it
What do you expect with a person like that?
Im so glad you grilled her about choosing to have more children while she was living with parents while living in poverty. Absolutely bonkers. So disrespectful.
I feel like she really isnt all quite there.. she literally talks like someone I know who suffered a traumatic brain injury
Yeah she doesn't sound entirely all there which makes it even more concerning that she has 3 kids and a waster bf at 23
Decent odds of atleast prior if not current drug use
It's from all the oxygen she gets from mouth breathing
This is my concern as well. This was a hard episode because of that.
She knows that she looks like a goblin and she plays in to it.
I can't believe this woman has three kids. She's so immature and clueless, even for her age. Absolutely Zero accountability.
The least mature people often tend to reproduce the most.
I think you just answered your own curiosity haha
Idiocracy was a prophecy
All thanks to the taxpayer.
That’s exactly why she has three kids
When she had to ask what “volatile” meant I knew it was over for her
At least she asked for clarification which shows she’d rather learn that pretend she knows what he’s talking about. Good for her.
@@tiffanypoehler6191🤣good for her is a hilarious thing to say this dumb b spent 10k that could’ve changed her kids life on a vacation and target
Caleb your show got my hubby and I in line 2 years ago. We paid off all extra debts - credit, cars, student loans. All we have now is our mortgage. And now we are putting away $800 a month in to SoFi for our emergency fund. We just recently had our first daughter and life feels so much easier now not having to worry about loans and money. Thank you so much for this show.
I just found Caleb’s channel and starting my better financial journey, hopefully i can say the same as you in 2 years 😊
@@basicbrownbish1002 best of luck, you got this!!! The freedom you will feel is AMAZING!
👏🏻🙏🏻🕊️Wow that is awesome!
Best wishes to your family ~💞
Seriously with no hate, she clearly has learning difficulties. How on earth has she managed to have 3 kids and get this far in life. It is so sad and feel so sorry for her kids.
I think it's pretty easy to HAVE 3 kids. The fact that she has managed to keep them alive is kind of remarkable.
I noticed this too. I seriously feel like the people in her life know that she has some kind of functional disorder and both enable her and take advantage of her.
I'm surprised that she and her loser boyfriend still have custody of those kids. Just watching the show should get the alarm bells ringing!
I was thinking exactly the same. She clearly has mild/borderline moderate learning disabilities, has no control of her life is very easily led and I seriously wonder how she manages with 3 very young children when she can't manage her boyfriend/manchild (who prioritises porn and vaping).
Social services should have this family on their radar just to keep an eye on them.
Her eldest kid is only 2 years old . She hasn't gotten very far yet....
I'm really getting tired of every single person on this show using ADHD, or any mental health issue, being the ONLY reason they are in debt.
I have ADHD and no debt, savings, paid off house and cars.
I put my obsessive brain into good use when it comes to paying bills and saving tho.
I obsess over numbers
Welcome to gen Z
It's our generation, imagine a mother with three kids 75 years ago saying I'm just so stressed with ADHD that I blew all of my money on a vacation.
@@LLG47 News flash - stupid people existing 500 years ago. We just didn't have the internet and reality TV to see them all lol
Yea, I have adhd and my life doesn’t look like this. Some people use it as a crutch
Im poor as fuck, i have two kids on a single income but my children will forever come first. Zero debt, roof over their heads, food in their tummies, clothes on their back and savings to fall back on. I'll never make enough to buy a house in my country but id roll over and die before my children ever go without.
I work with someone like this, he is SO severely on the spectrum, and while i cant diagnose her , i get the sense that she doesnt feel bad because she doesnt understand why she should, which would explain her not being to understand why she should feel bad
The choices some people make, like taking a jobless boyfriend on a trip when you make 25K is WILD.
She seems limited
@@ft1725 Yeah, I get the impression she sits on the back side of the bell curve.
I make triple what she does and I'm a single man and have never been on a vacay 😭
@idkbruhimhigh a good budget can help you save for one. It took my like 3 years to save enough but I was able to cash flow 10 days in Japan and came back with zero debt. It just takes discipline and certain sacrifices.
She looks very checked out of reality. She’s a leech, who can’t even afford to live and has another leech in debt with his mom, sucking her dry. It’s like she’s given up & she’s only 24. That’s so sad.
Having another baby under your parents’ roof is so inconsiderate.
Especially when the universe gives you twins…
Correction: Having another baby under your parents' roof when your not meaningfully contributing to the household is inconsiderate.
Don't forget there are generational families under one roof where this works as long as everyone is growing the wealth.
@@SayianWizardthat's not the case here her financial situation is crap shouldn't even be having kids
@@SayianWizard We’re not talking about those families. We’re talking about her specific situation.
Yep, my siblings do the same thing. My dad has both my step sister and step brother and step brother's wife living with him and they both have multiple children while living there. My dad also still has a kid under 18 living with him. This is a four bedroom house that's like a thousand square feet with one bathroom. Can't really blame them though cuz he allows it lol
I'm a single mom with 2 little boys. I go out of my way to make sure they have what they need. When money was tough I was selling all my personal belongings that had any value, I was working 12-18 hr days at one point with 2 jobs, I was going without new clothes or doctor visits for myself to ensure they had what they needed. My kids always had food and toys and clothes they needed.
We are in a much better place financially. Could be better but we at least have all our bills paid, I got major repairs done on our house, and we have leftover sometimes to take a family trip this year. Took alot of grinding and sacrificing and fixing my finances to get here and it feels so good
Understandable that the boyfriend didn't want to go on here. He behaves so much worse than her. And she already behaves pretty horrible.
She didn’t go into a lot of detail about her relationship but tbh I get the vibe that she’s in an abusive relationship. Her BF spending OF money, PlayStation, and smoke shop money on her card, she wasn’t “allowed” to return the car, he hasn’t been contributing, plus the rush to pop out more babies that were “planned” but absolutely not prepared for at all. Plus her just having absolutely no agency over her own situation. Sounds like she’s being manipulated and abused.
Whether it’s that or just plain carelessness I hope she’s able to get it together.
People like her usually are in situations like this because they’re so easy to manipulate. It’s actually sad tbh
I wondered that too. From what she says, her BF sounds like a POS
Yet she decides to keep having kids with him, she’s her own and her children’s worst enemy.
You’re probably right, I’m a guy and was severely neglected. I stay single now because I only find myself in abusive relationships. Abusive for me is more on the psychological and verbal side. And being emasculated that type stuff. But because my mom was the way she was, I instinctively find those things in other women unwittingly. I stick to my dogs, they have taught me how to feel unconditional love!
These were my exact thoughts. I listen on Spotify but had to come RUN to the UA-cam comments because I was hoping others would have this same thought. Its a sad situation and I hope she figures this out sooner rather than later.
If you make 25k, and can't afford a place to live between two people the LAST thing on your mind should be having children
If taxpayers are funding her children, we should have a right to dictate how they’re raised. Otherwise, we shouldn’t hav two contribute a dime. You know she didn’t pay anywhere near $10,000 in taxes, that’s all other people’s money!
or going to concerts
To be fair they r actually the last thing on her mind 😂she hardly thinks of them at all
@@Catmom-gl5nttotally agree!!! Child tax credit should be spent on the child and their education and all expenses should be filed with next year return to prove its use. I hate that people like this getting 10k in child tax credit meanwhile I'm getting exactly $0 tax credit but at the same time I have to pay 20k/year on daycare for my one and only son who likely won't have a sibling coz I can not afford another 20k :/
Too late
This is a big reason why people dislike government subsidies. Giving support to those who need it is important, but not if they’re going to waste it
It’s not welfare it’s a child tax credit that everyone within a certain income gets and at least she works full time. Get over yourself.
@@tiffanypoehler6191That child tax credit isn’t coming out of Joe Bidens wallet… it’s coming out of public taxpayer money.
@@tiffanypoehler6191and she blew it all to take herself on vacation 👍
@@tiffanypoehler6191it’s welfare considering she did not pay anywhere near $10K in taxes.
Not true. It’s simply the tax laws. Like them or not if she filed and that’s what she got back , that’s what she got back. You may not like it , but your beef is with the tax laws and it’s not welfare.
By design, the EITC only benefits people who work. Workers receive a credit equal to a percentage of their earnings up to a maximum credit. Both the credit rate and the maximum credit vary by family size, with larger credits available to families with more children. After the credit reaches its maximum, it remains flat until earnings reach the phaseout point. Thereafter, it declines with each additional dollar of income until no credit is available (figure 1).
In 2023, the maximum credit for families with one child is $3,995, while the maximum credit for families with three or more children is $7,430.
As an adult who has been diagnosed with ADHD and who takes medication for it, addiction can be a big issue. For a lot of people it can be food or drugs/alcohol. It’s possible that for her it’s spending, but you still have to take accountability for it.
"i regret spending money on the trip, but at least it was fun" room temperature IQ
That's what this generation means by "living in the now". Only problem with this mentality is it does fuck all for your future.
This comment hits harder if youre used to celsius
You are being generous
@@Bantallasmy thoughts exactly 😂
more like freezer temperature.
Her man absolutely kept that car and is driving it y’all
Also, these women will support a man, harder and longer than their own children and family
Rollin vape cloud and jerkin it in the Mazda
@@daniels2761brooo 🤣
I work all year pay my taxes and at tax time get back $50 meanwhile these people pop out a couple kids make less pay less in taxes and get 10k. Then blow it on vacation and other bullshit. What a fucking system
I have a friend who always had reasons why good advice won’t work for her. I eventually figured out that when she reacted that way, what it really meant was that she wasn’t interested in following that advice. She just didn’t want to admit it because she knew she was in the wrong.
This lady is exactly like that. She knows full well that she’s wrong but subconsciously, doesn’t want to actually change.
Thankfully, my friend eventually grew up and started listening to good advice.
The fact she hesitated for even a second when he asked if a concert was more important than her kids future honestly disgusts me.
Right?! So awful
And it's POST MALONE 😂😂😂😂
one of my mom's three jobs is working at a concert venue. She could stay and watch the shows for free if she wanted, but she'd rather sleep and take care of her kids. no parent is perfect but oh my god her poor children
I think she's slow though so you can't really hold that against her dude.
@@landrytheraccoon probably ate lead in childhood but spectrum level type slow? Nah shes normal to her generation lol
"Are you saying poor people shouldnt have kids!?!?"
Yes.
It’s not that poor people shouldn’t have kids. It’s that you will sacrifice a lot for those kids. And if you don’t then you aren’t mature enough for kids
Yea if you’re poor, it’s fine to have a kid as long as you put the kid first at all times. If you have to go without new shoes for a year or 2 that’s what has to happen.if you’re worse than that then no, definitely never kids.
No, that’s a nasty thing to say. Poor people can still have kids. Back in the day, poor people having kids were normal. You can always make it. You just have to be frugal, careful and willing to sacrifice. But it’s always worth it, for your child.
@@leahmcdermott4189 I didn't say they couldn't. I said they shouldn't. I'd argue those back in the day people were wrong for that too. Maybe even more so, look at those black and white photos of 12 kids in rags in front of a run down shack. At least they had the excuse of no birth control.
I'm pregnant with our 6th child. We are making it on one income. House paid for, land paid for, cars may be older but run good and are paid for. We are debt free. But I don't go out spending money on nonsense. If I want something like makeup I plan it out for a few months. We do alot of free stuff. Like taking the kids to walk around looking for mushrooms and taking pictures of them. Taking the kids to the park. We try and take a trip every year even if it's to the lake for a few days. We also buy a lot of Thrifted clothes instead of brand new stuff. I've been learning about Investing. But our kids come first before anything. They didn't ask to be here, although we may not have the best of everything, but it's ours and I would still say we are lower middle class. This Lady seems Selfish and I hope for her sake she gets her shit together for her children. Cause wow!!
Her smiling whenever getting confronted gives me "90day fiance: Danielle and Mohammed" vibes. It's so creepy and unnerving
Omgosh ! You nailed it,
This woman and Danielle are so similar they could be siblings. 🤯
it was pissing me off the whole time like why are you so damn happy to be in dept
just by looking at her you can see she is not completely there.
There is nothing behind those eyes and it’s terrifying💀
How she managed to reproduce is beyond me.
Edit, the more I listen to this, she sounds like she's mentally 12.
Clearly, she works at Tesla. She could even pick up other shifts. Hell, get the BF to work there too. Tesla also has onsite gyms, free cereal and milk. She's probably hitting the food trucks rather than the onsite buffet. You do have to pay for buffet, but it's probably cheaper.
My thoughts exactly 🫣
Yea she is a literal NPC
She got two brain cells left
@@pinkisforpimps And one of them is occupied with the task of breathing.
1 year ago, I was $6k+ in debt with no emergency fund.
My debt is now at $1200, and i've started working on my emergency fund 😊
Caleb's show helped me understand that me being "broke" was because of my spending, not because I didn't make enough. People's stories helped me understand what keeps us all in debt.
I was supposed to have my debt completely paid off today. An expensive car repair set me back slightly, but we're back on the road and on track to be debt free this summer!
Hell yeah dude, rock it and I’m rooting for you
Way to go! The dedication and discipline will pay off. Future you is loving past you right now!
Let’s gooooo! You’ve got this! It’s going to be so awesome when your debt free AND you have a fully funded emergency fund!
I don’t know you but I’m so proud of you!
Great job 👏
i can't even comprehend how a such a competitive company like Tesla even hired this woman.
Then I guess that makes you stupid. Especially thinking you can base your assessment off a one hour show that steers it’s guests towards sensationalism for entertainment.
Wouldn’t she actually be stupid for continuing on with bad habits instead of putting herself out there for people to crucify in the hopes of learning something and turning her situation around? Something to ponder.
If you look at tesla & all their build quality issues, it makes sense
Low pay, low quality employees.
tesla is a shit company that pays horribly, as the episode shows
Some people will always be broke. She's one of them. She doesn't care about her children, lord help those kids.
Every child deserves a parent but not every parent deserves a child.
She reminds me of that Idiocracy movie. Dumb. As. A. Rock. Those poor, neglected kids...
Say that again for the deadbeats in the back ✨✨🙌🏽
Sort of, no kid deserves this kind of parent.
Idk those kids may be better off in the system. Their mom seems to be a complete idiot
@@HoneyIYKYK😂
She’s running on permanent power saver mode 😂
I’m stealing this! Hilarious and a perfect description.
😂😂😂😂
My fiancee and I call these people NPC they literally can't think past what is in front of them
My god 😂😂😂
That is fantastic! I'm going to have to borrow that one! 😂
She sounds like a lot of people I work with every day. They have a learning disability or not all there and their family members take advantage of them CONSTANTLY. Having 3 kids, a bum for a boyfriend of 3+ years, and paying off people just screams she's being taken advantage of. It's so sad. What my company does is try to teach them the skills to survive in society even with their family members pressuring her. I feel so bad for this lady. I really hope she finds a friend that truly cares and helps her escape this situation. It's borderline abusive at this point. They're wrecking her credit score and her financial well-being and the kids are suffering for it.
Her situation is SCARY omg.
Huge kudos for her actually asking what the word 'volatile' means when she didn't understand it. That is very rare to see in a person imho nowadays, being able to actually ask for clarification for something they do not quite understand.
She seemed sweet, but like she may not be as aware as the average person. Unfortunately, she made the decision to have children, and any personal shortcomings need to be overcome for those kids' futures.
Also, fuck her boyfriend.
Thats the Texan education system at work
@@shuheihisagi6689are you sure about that? How do you think those air heads in California are holding up? More worried about gay promposals.
Is the bar just so low though?
@@banjothecattledog9590 Its not that the bar is low, its that we tend to make people feel shame for not knowing something. It can be intimidating to be humble and ask, and we should acknowledge when people are and cultivate that.
Whoever edited this video and kept zooming in on the woman's mouth is a SAVAGE.
Some really funny, unexpected edits of Caleb too. Like, YTP-tier edits 😂
Does the tattoo on her chest say “No Money”…..🙄
@@romeysiamese6662 I think its her body count in roman numerals
@@ewrqewrqewreqwer cheap tattoo + face like that = ?-3-2019 bodies... wonder how she reads it
Looking like the duck from chicken little
As someone with a severe ADHD child and husband. I'm not saying medication will be a cure or change who a person is. I'm not saying it will get her out of this mess.
BUT it's not just focus. Impulsivity and reckless spending can improve with medication. Mood stability and regulation. Without medication a lot of people with ADHD will see everything as urgent or deal with that later. And they struggle to determine which.
Financially issues is a telling sign.
My husband's finances were wrecked when I met him. I hold finances stable now that we're married with kids
There’s no way this girl makes any significant changes. You can see it in her face and hear it in her voice.
As someone with ADHD, the lack of remorse is INCREDIBLY telling that she is just using the diagnosis to enable her bad habits.
She has good ideas about getting a routine and schedule worked out. The problem she has is that she expects everyone else to set those up for her. I really think she just wants Caleb to show her how to do it so she can say "it is Caleb's fault I don't have any fun. The world is still against me!"
@@vanguardengneer absolutely. As Caleb sometimes days "this is the system we live in." She doesn't have to like it, hell she can even want to change it. But, to be taken any way seriously you need to find a way to function in the society we live in even if you find it hard. I find it very hard sometimes, but what's the other option?
If she hasnt been medicated ever I doubt she even has a diagnosis.
@@evanbyrne7020 I find there are limited options when you just don't take accountability. I was lucky and never had a credit card so I can't speak to the problems most have on this show. Financial literacy is abysmal in this country and it needs to be addressed. 1.13 trillion in credit card debt among US consumers is scary
@@UniquelyUnseen Big maybe here. If she wants to change it will help. When I was on adderall it helped my focus so I could work more efficiently. The problem is it wears off and your habits wont change unless you want to change them. I don't take medication anymore and am a bit slower but not getting the shakes for 4-6 hours after it wearing off is so much better.
It’s crazy that she didn’t replace the key the minute she got that tax refund 🤦🏽♀️🤦🏽♀️
It's crazy. She could have called a mobile locksmith and it would have cost a couple hundred bucks, AT MOST around $500 if it's complicated.
Most likely her boyfriend and mother in law wanted her to get a newer car.
@@91Aget this. They are trapping her into financial dependancy. That's why MIL insists on Her owing her by putting it on the tab
This makes me feel confident in my decision to forgo children. I couldn’t support them like they deserve.
To be fair it's not that difficult to do right by them. They don't need tons of money. They just need parents that love them and can provide for them. So I guess if you are emotionally and financially illiterate it is best not to have them.
@@lindseymiller8165 I am neither emotionally or financially illiterate as you state. I would make a great parent as I have a lot of unconditional love to give. But I will not bring children into the world if I can not provide them the quality of life I DEEM FIT for my children.
My husband and I had a discussion about what kind of car can we buy. My husband as a man would like to have a nice car (Audi, BMW, etc..of course NOT new), I on the other hand don’t want to spend extra money on a car just because it’s fancier. I told him: “If you want to drive an Audi, you’ll have to earn Audi money”. 😊
It's wild that she can have 4 dependents while being a dependent.
Brilliant!
Dependazord
The fact that she didn’t return the car kills me. She had a “get out of 26k of debt free” card and she threw it in the shredder
As easy it is to said, as hard it is when you are pressured by people around you.
@@cedricklemay8785that’s just an excuse
@@michelleanderson3160 not everyone is like you. Not everyone has your family or social circle. Not everyone has the same tolerence for pressure.
Yes she could have done it and probably nothing would have happen with all those person. But she doesn't know that. You dont know that.
@@cedricklemay8785 sure, we’ve all got different situations and we try to make rational decisions based on our circumstances. But the fact that she didn’t get 26k of debt erased when she had the chance shows that she really isn’t serious about getting out of debt. If you don’t take that opportunity you’re straight up going to die in debt, regardless of what your family tells you.
Mandatory iq tests should be put in place before people can have kids
Lucky for you they don’t require those or you wouldn’t exist.
I don’t know how anyone could contribute literally nothing to the household financially and feel ok just sitting on the couch playing PlayStation all day. I’d feel like a scumbag, especially if I had kids.
And using his girls card on OnlyFans lmao. Calling this dude a loser would be an understatement
Yes and also spending HIS GFS money on OF and over $50 each time at vape shops...what the heck???
The fact she didn't return a car she 11k upside down on, with 23% interest, shows you she will be poor the rest of her life.
Yeah he literally explained to her what a horrible deal she got... what horrible financing she got... and that she has no possibility of keeping it either way since she wont be able to make the payments... and she had an actual miracle out in that 30 day window and she didn't take it.
Someone needs to call CPS
Blew 10K intended for her kids on herself, lost a key to her car and got another car instead of paying a locksmith to make her another key, didn't get rid of the car even after caleb explaining why it's bad. Yeah this girl legit pisses me off & that annoying tone in her voice!!
When Caleb revealed she didn’t return the car, that’s EXACTLY what I thought too.
An adult with three kids saying “i need structure” is terrifying.
As a woman with adhd with horrible spending habits. My impulse spending is so much worse off my medication but it is STILL THERE ON MEDICATION, it’s just more manageable and easier to say no. Saying you need a med is a cop out.
these videos make me feel so good about myself and my life choices
She has 3 kids and spent $6,000 of the $10,000 child tax credit she got... on a trip?!?! I'm speechless
A trip to DALLAS no less
A trip to DALLAS nonetheless
She shouldve gotten a hotel for the weekend or an airbnb and spent 9k straight on debt
Yup. That’s what people are using the money for. It doesn’t go to the kids
In the urban jungles if North Jersey, we see this every year..every single tax season.
26,000 dollars at 23% my jaw actually dropped. For a fucking car. A SECOND car! Actually disgusted.
And just because his key didn’t work lol. It’s not a huge fix, and somehow it became an insurmountable problem for him.
That she had the opportunity to return 😭
1st new key is often 99$ if you go to the lot you bought the car from
I don't understand why banks make these loans. They'll get the car back eventually, if she doesn't wreck it - but with deprivation, legal costs, report costs, costs to sell, etc., be worth the handful of payments she'll make?
@@TheMt45 I agree. Not only is it predatory to him, it also just seems inefficient at making a profit in the long run.
Wanting and Needing are two separate things I tell myself that every single time I want something
I had a friend who had very severe fetal alcohol syndrome and acted just like this same droopy face same tone same lack of understanding of consequences which is actually a symptom. I hope she gets help I worry this is a bigger health problem than ADHD.
Where’d you get your doctorate from?
@@tiffanypoehler6191 Spotted the mother who drank during pregnancy
@@tiffanypoehler6191 you need a PhD to make a common sense observation that something isn’t all there with this woman? So you wear a helmet every day?
@@theeccentric7263 Sure you did.
Lesson to the audience: Don’t have kids if you’re going to be an immature parent. She’s going to ingrain financial irresponsibility in her children, repeating the cycle for another generation.
If you're immature, would you even be mature enough to realize that? Get real
Idiocracy is looking scary accurate right now
We need more workers to keep the price of labor down. Stay in consumer debt and have lots of kids, everyone!
@@TannerisSmol97 If you can drop the ego and self reflect, it’s possible for sure. It may be anecdotal, but I was a selfish asshole in the past and I knew I was. I finally recognized that and worked to get better. This person is aware of the things she’s doing, she’s willfully choosing to ignore that it’s an issue.
Lesson to the audience: your parents are generally not the people to get financial advice from. They may raise you to be financially irresponsible but by the time you are 25 choosing not to learn is on you. This isn't just about finances either, parents aren't generally geniuses so many actual life skills need to be learned on your own because your parents taught you without fully understanding it themselves.
For a $2,000 vacation i was expecting somewhere awesome , not mf Dallas lmao
I’m not even that far into the video and I can’t fathom taking a 2k vacation to DALLAS
I live out of state to Dallas and even I can’t fathom spending 2k to go to Dallas
😂
As someone who lives in Dallas, I cant fathom that either.
In case you didn't know, Kileen is only 3 hours from Dallas. $2k to basically take an extended weekend trip is wild.
OK correct me I got this wrong because I'm a dumbass too. She has a job, 22 an hour, 35,000 a year. She gets 10,000 bucks from the IRS, and she used none of that money to pay some of her debts. But instead used it on a trip and a big chunk of that was spent at Target and eating take out??? Did I get that right?
Also for her boyfriend’s vapes and porn.
She also got a 26 thousand dollar car at 23% interest instead of just getting a new key made. There's nothing but air between her ears
@@Daydream_N I am struggling financially too. Not as much as the people on this show. I have a small student debt I'm paying off, I live CA so it's difficult to get my own place, I have a sick older cat, I'm trying to budget and not do useless spending BUT if someone gave me 10,000 right now, I would cry. I would protect that money and try to make sure I could make it last. She just wasted that money.
She's not making 35k, she's bringing home 2k a month, that's 24k, I make way more than that working 18/hr 40 hours. She's not making 22/hour no way
A good example of giving money to poor people doesn't solve poverty
I love when people say "do something fun for once" or "treat myself for once" etc
And yet they are clearly treating themselves or doing fun stuff like recreational shopping and going out almost daily
trrue
Yeeh thats how they get so addicted
When I was young and broke I definitely had a fast food addiction and would've said that at the time. Now I am in a mich better situation and I rarely eat out. I think because when you're poor even $200 unexpected expense is a crisis so you feel you will never get ahead anyway even if you di act responsibly.
Having two cars…
Grind of life can make it feel like months go by before you treat your self , very normal way to feel blame society, set up like his on purpose
I feel she's a good case study on why some low income families get so heavy in debt. She could get an extra $20k in child credit and she'll still figure out how to get herself in deeper debt.
Financial literacy is the first step. But changing her ingrained justifications for spending is the real uphill battle.
I had a similar thought. I think you could give this lady every bit of financial literature available and I'm not entirely sure it would help.
Isn’t it amazing how every statement brought in is a unique special exception to the rule and isn’t their normal spending…
It’s the fact that she keeps talking about how fun the trip was omggggg
i was just about to say the same thing, doesn't matter how fun a trip was if you can't afford it
This girl is a lost cause...after finding out she had a chance to get rid of 26k in debt she just flat out refused...life is going to be rough for this one
Those poor kids. If she had no kids then oh well, but those kids deserve better.
she came on the show to get help, and she said nah 🫨
Yeah I get the whole peer pressure kind of thing but she could have stood up for herself and changed her life around and she chose not to. It’s kind of gross
I bet he told her no while demanding her debit card to buy vape and Playstation network
My husband and I were thinking about using our tax return for a summer vacation. After watching you this past year we decided to use it to pay off my car! Such a better decision. Thank Caleb!
Proud of you!!!
Good work, plus now it will be easier/faster to save up for that vacation without the car payment anyway.
Yes! Months of no payments make life so much better!!!
Protip, tell everyone you are going on vacation far away and stay home. They won't bother you to do anything on your week off and you won't go into debt.
🎉🙌🏻💯
Poor girl. You can tell her lack of spine comes from way back. No confidence, no accountability, no character.
I thought that. And with her family strong arming her into keeping the car. It’s like they want her to stay in debt
So then don’t listen to your family! Or don’t make it so you’re entirely dependent on your family! Don’t have fucking kids while living under your parents roof. Insanity.
im convinced she cant be helped. she is borderline just empty headed. nothing going on up there. and nothing is getting through to her.
Living in poverty with a boyfriend who doesn't contribute and actively chooses to have children is beyond irresponsible.I'm at a loss for words. The rich get richer; the poor have children.
This is what happens when people aren't given sex education and assume that the lack of contraceptives or access to contraceptives, will stop people from having sex. We must preserve women's virginity you know.
Idiocracy predicted this
I had children and I'm not poor... It's kind of a stupid statement
@@OceanSlim did you have a girlfriend/boyfriend who spend your credit card money on onlyfans and playstation? ;)
lol so rich ppl = 0 children. What’s the point then? Die alone and be buried with your cash? 😂
I feel really bad for this woman. The part where Caleb reveals she didn't return the car because people in her life did not allow her to. That's so sad, she seems like a vulnerable person that is being taken advantage of and doesn't have her own agency.
Exactly :(
I was immediately struck with the feeling that the whole explanation of everyone in her life preventing her from returning it was a lie.
No one would have told her that, especially if she told them the actual information regarding the car payments and the 30 day return. The only way its even remotely possible the people in her life would have advised her that way is if she lied/withheld the details involving the car, and in that case it’s essentially the same as lying about the family preventing the return.
I am beyond sure she simply wanted to keep the car.
Same car she ironically wont even get something as small as a new keyfob for. Fucking disgusting- like caleb said.
She seems slow so that’s definitely a possibility
@@Noah-zz7ctI don’t agree with this. My mom would 1000% try to convince me to keep it because she wouldn’t want me to inconvenience her. The boyfriend could want to keep the car because he could benefit from the car. The parents could convince her to keep it because she would be more independent
@@lilveggiebb the whole entire idea of trading in the car for the money back was to get a cheaper one. So neither of the things you mentioned would be an issue
I’m a disabled veteran and I haven’t worked In years. Obviously I get a paycheck every month and my wife works so we’re doing ok but we have never been on vacation. We’ve been married 10 years and we’ve never been anywhere just because we’re more worried about buying cloths for our daughter or whatever the case may be. I don’t understand how someone who’s so broke can go on vacation for 3 or 4 days or whatever it is.
you're an amazing parent, and your daughter will love you FOREVER when she understands the sacrifices you guys have made so she can be happy and healthy. ugh, seeing these comments is what I need after being so angry at this woman... what a joke of a 'mom'
I am begging for a follow up episode!!! She seems like someone who has been dealt a bad hand and hasn't had the good support to pull herself out. Would love to see another episode for better or worse.
A child refund is for the children! Buy them new clothes and shoes for the year and prepay their daycare! Wtf!
Agree. She aint shit.
What's that? Time for a sweet treat?
I hope these kids get adopted by some real parents...
Ours went to diapers, formula and clothes for him 😂 I was so stocked up on formula it was great.
Dick. At least she was willing to come on here to better herself.
When she said they planned to have the kid while in debt I almost threw my phone. Holy shit
Yes, the key word "planned" really matters there. Why the F are you planning another?! 😩 Poor kids.
This is why plan don't always work.
I don't think her kids were planned. Wanted, but not planned.
Paid off my debt October 2022. So glad and watching this makes me wonder how I got there. I never use my credit cards anymore and I save a lot.
PSA to those who need to hear it your family or man does not have the best interest for you all the time they will drag you down and clearly this man is dragging her down. She literally had two get out of jail free cards with the $10,000 and the 30 day return But her family dragged her down and she will never escape it until she leaves.
Her boyfriend was so injured that he couldn’t work for months. Okay. But he can play video games, spend 100s of her money each month on vaping, and use her money to pay for OnlyFans.
I have to wonder if her dad kicked them out cause he’s such a looser. She’d be better off to break up with him and live with her mom or dad.
I don’t know how anyone can spend hundreds each month, a $25 bottle of vape juice and a $7 replacement pod lasts me over a month. He must use Juul, refillable vapes is the way to go. I’d spend $20 every couple of days when I used that disposable BS.
yes he's like a fourth child, he's not contributing anything to the household he's literally just another weight she has to pull. But considering her mother is kinda using her too I doubt she will ever have the brain power to get out of this situation
Hold on. Caleb told her that car was immediately $11k negative equity, she COULD return it, and decided not to????? She has no hope.
Caleb inserted a side video saying that her family "convinced her not to" sell that car.
Her family is using her I think. Clearly she’s not all there and can’t understand what’s happening
It’s actually 9k. Loan is 26k and the car is worth 17k
She might as well return the car since she got there by shuttle so that she wouldn't have to "waste gas"
I don’t believe for one second that she was “forced to keep the car” by people around her. She wanted that car, she likes it, she picked it because it was the car she wanted to have and she doesn’t want to give it back. Thats it.
I feel genuine rage watching this omfg
Sounds like my cousin who got 4 kids, got 20k for refund, went on vacation and blew it all off. Then came to borrow $ for their dental procedures
Sweet treat just dropped!
😂🤣😂
omggg😂
hahaha
😂😂😂
Make that a shirt lol!
The fact she didn't return the car answers everything. She will NOT better her situation.
Praying for her kids. No hope for this woman.
She can't even speak properly, let alone make solid financial and life decisions.
Right. She is literally one of the worst people ive seen on this show and ive seen every ep@@AntBalzano
She literally could have saved herself over $11k…you can lead a horse to water, but you can’t make him drink
It seems like she’s in an abusive situation….
living with your parents and having more kids is mind blowing
This lady's situation is causing me financial panic. Wow. Its the same feeling I get when I watch the show Hoarders. She is stressing me out with stupid decisions. 10k could have fixed a lot of problems for her but she chose to take a stupid trip and spend on needless stuff.
How in the hell did she get approved for all of this stuff? It seems she has an easier time getting approved for stuff??
For anyone trying to stay spending sober, each Hammer episode is like going to an AA meeting. 😮
this is so real
I can't agree enough.
That is why I am here lol.
Yes, this keeps me on the wagon. 😂
This show is the reason I don't spend bullshit money on taquitos 😂
Mother of 3 under 3 going to a Post Malone concert: "I haven't been able to do anything for awhile". Oh Sweet Treats you're not going to do anything fun for a long time if you're responsible. Fun is going to be that 20 minutes at 9:40 pm when all the kids shut up and you have time to fold laundry.
That hit too close to home...mine is watching UA-cam while doing the dishes and cleaning the counters after the kids are down.
@@erick3755 fuck is this what we have to look forward to? 😅
@@Dynasty221ok but instead of crappy concerts you get snuggles, giggles, splashing at the pool, sloppy wet kisses, playing playdoh, drawing together, bike rides and hikes, pockets full of acorns, baking cookies, inside jokes, bedtime stories. Post Malone wouldn’t even compare.
@@Dynasty221 Until the youngest is 3 yrs old assume you're not going to get a full night sleep unless the kids are not in the house. My first didn't sleep through the night until almost 2 and now at 5 climbs into my bed about twice a week because...cold/scared/love me/miss me/wants me to know she farted/etc. Other than that assume constant vigilance if you're in possession of the kiddo.
I'm a mom of three. Fun is taking them places that excite them (cheap places for us for now). Camping, going on hikes, museums, gaming together when the kids are in bed, long showers alone, planting the garden with them or tending my flowers alone, once a month date night or the times when they sleep over at my brother and sister in laws house. It's just not concerts and extreme traveling.
I love these videos so much. perfect mix of judge judy and dave ramsey