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And lots of their debt was due to firearms! That's insane. But then we have a different laws in the UK. Also is her ex or her roommate suitable owners of these firearms with their actions?!
@@clownworld4655 His rights wouldn't be stripped unless he was found guilty of a crime that would have had him forfeit the rights. Unless she's talking about one of those 'red flag' laws that are unconstitutional anyway.
New game: save $1 for every episode. Then use it to buy taquitos at the end of every week. $3 if you just watch the main channel, and if you find the other channels you could probably get to $5 😂
You're fresh out of addiction treatment and an abusive relationship, fighting multiple people in court, thousands of dollars in debt, credit card debt and almost being homeless... but nothing like a trip to Europe and THE OLYMPICS that can't fix.
@@frankvonfraunerhonestly the abuse might be true but I wonder if it's one sided...blackout drunk? Sounds like she may have her own demons that may have also contributed to the "abusive" relationship
@minksopro absolutely not true. I worked at a in patient substance abuse center and if withdrawals were deadly then they were hospitalized and went through withdrawals with the close monitoring of trained staff as well as with the support of medicine. NO ONE PROFESSIONAL EVER SAYS YOU CAN HAVE A DRINK HERE AND THERE WHEN RECOVERING
@@slackerman9758correct. Have a friend like that. We had to stop talking for a while because the lying and excuses and crazy behaviors was consuming my life. So she lashed out. Always an excuse that she was managing, found out from her family she was way worse than she said, drinking everybminute of the day. I almost started work with her. Completely irresponsible.
I've seen a few former addicts who have said they don't even bother trying because even if they do successfully have a single drink they feel like shit for awhile
This poor woman lives on a MOUNTAIN of misinformation. She clearly does not realize that debt is generally bad and emergency funds consist of cash, not credit cards.
I think she uses other people's advice as an excuse/justification to do what she wants. She talks crap about the financial institution she works for taking advantage of people, but falls in into the same trap because a coworker or relative says "it's fine" to do this same thing...at some point it becomes delfection vs ignorance if you work in the same industry.
She works for a bank G. She makes it seem like the prey on the poor, they do not unless she works for some damn loan shark. Banks lend based on credit worthiness, now if they are not able to obtain a loan a guarantor steps in. She is just making excuses and blaming everyone but herself.
Biggest red flag ever is that she was in a religious hospital that said,” oh as long as you can just have a drink or two it’s totally fine.” Whereas a religious hospital would absolutely point her towards the 12 step program. It’s literally a religious program for alcoholism. Even “secular” hospitals would not promote someone having drinks after being in the hospital because they were blackout drunk.
My thoughts the same. But I think it could have been one specific nurse of even the janitor, stating a personal (and uninformed) opinion. And she just said "the hospital".
After watching this, I firmly believe she as the aggressor in this situation with just how inane she seems to be. Dismissive, self absorbed, rude, and unwilling to change.
That part blew me. Like HUH? The logic was making literal opposite sense. She sounds easily manipulated all around. Not strong mentally either, so that goes together.
The attack was a roommate not the ex. If she knows them, and they were in a psychosis as she claims then I can see being persuaded that one off and and please don't make me lose my job. She seems susceptible to such an spin, and roommate not a stranger, so creates mixed dynamics. It may not make sense to us outside the situation, just as many other choices she makes.
She’s not ready to change. She’s not ready to change her alcohol addiction and she’s not ready to change her financial problems. She thinks she can go from being an addict to having just a little bit of alcohol or a little bit of credit and be fine. She’s proven she can’t. But she’s not ready to change yet, rock bottom is still ahead of her. Godspeed.
At 22, I do not believe she is an alcoholic. I believe she has impulse control issues. There is a very big difference. Her finances only reinforce my observation. If she was an alcoholic at SUCH a young age, then her parents failed st their job.
The really sad part is that this is true and she seems to lack a good support network. The really scary part is that rock bottom for her may be the end if she doesn't get help.
“My job pays for expensive lawyer fees for only $3 a paycheck, covers my internet, and reimburses my gym membership, they’re great. So anyway I hate them and I’m looking to quit. Then I’m going to buy a condo in Colorado or Kansas or South Dakota or Nebraska or wherever I’m living this month. Once I get back from Europe, of course.”
I watch a lot of fitness content on youtube and the similarities are incredible! It's really about controlling consumption and being able to moderate consuming things (buying / eating). Caleb really needs to hear his own advice. I do think he has a tiny voice in his head whispering "it's not that bad.."
You don't even necessarily need to keep chasing better if you're already in a good spot, you just need to be able to recognize when you're in a bad situation and just call it what it is and stop trying to justify or downplay it.
She's got a job with incredible benefits and what seems like a supportive leadership team. She needs to realize that she's so lucky, so many people would kill to have half the perks she's got. The fact that she says that businesses "just f*k people over" and doesn't seem to value the benefits she takes advantage of just goes to show that she has zero idea how fortunate she is.
The benefit package is wonderful for employees, but I think what she meant was in regards to company ethics allowing people to apply for credit cards and loans they cannot afford. Double edged sword.
@@irisberkheimeryeah, it’s the businesses fault people take their money they know they can’t afford. You and all the people like the guest here is why the world sucks.
I can not be convinced that any medical professional has ever told her, a recovering alcoholic, that she could/should just learn to drink a little and all would be fine.
6:36 anyone else think this is INSANELY inappropriate that she's essentially saying that Caleb is her last resort until she ends herself? That is reckless, manipulative and disgusting. She needs wayyyy more help than Caleb can provide.
I’m not there yet so I don’t know all the context. If she didn’t disclose she’s an alcoholic, med schools and nursing schools are currently teaching 1-2 drinks a week is considered casual drinking, not addictive drinking or problematic drinking. I can’t remember the exact number but they even had recommended numbers of drinks for women and men when socially drinking (so the numbers were higher & in a single sitting/day for the expressed purpose of getting a “safe” level of turnt). So like, for interviewing a patient to get their history, we ask “how many drinks do you drink a week?” And they say something like “I have a glass of wine with my dinner two to three times a week” and we’d say something like “yeah that’s fine”. But if someone says “I have a beer everyday after work” we’d say something like, “yeah let’s try to cut back on that, we really want to aim for 1-2 times a week.”
I felt disgusted when she said Caleb was her last ditch effort before she says fuck everything. That would make me feel so trapped. Pretty manipulative and scary.
And they are coming STRONG right now. I had no idea that a couple of credit cards from My divorce were never paid (and i went and checked my decree) until I was served. It was 6.4 years ago. They only had 7 years to get their money, and boy did they come in hot. I tried to negotiate a lump sum, but they weren't hearing it. They're getting more than my original debt that we owed the original creditor, when I know they only bought My debt for pennies. If anyone thinks they're getting away with old debt, they're dead wrong! Especially during these times. EVERYONE is trying to get their money right now.
@@keeleyhank6812 I hope you had a lawyer review this for you. These debt collection companies do buy these debts for pennies, but they often have no actual proof of owning the debt and cannot prove they are even the party that currently owns it. If you pay the wrong debt collection company, or settle with a company that does not have chain of custody of the debt, you're never getting that money back easily. I was sued years ago for a charged off card and my attorney argued in court they had no actual proof of owning the debt- just a line item on a piece of paper with a name and debt total...and they lost. If you can negotiate with the original creditor that's good, but don't pay up to scumbag collectors without consulting an attorney.
Olympics. You're fresh out of addiction treatment and an abusive relationship, fighting multiple people in court, thousands of dollars in debt - but flying to Europe to watch a sports show is important. She has bad friends and family, in terms of terrible advice and financial choices. I really hope she tries the discord.
I get it though. I was in abusive relationship at her age and I moved to Australia on a student visa to get away. It may not be my choice of change, but I get it.
@@Struggle.Itselfits also THE BIGGEST SPORTING EVENT IN THE WORLD in Paris, one of the most expensive cities on earth on a normal day, let alone during the olympics
I say it a lot, but generally its about someone being annoying at work or some mild inconvenience. Its absolutely insane to keep saying it for this crazy stuff.
Right on! This girl is the embodiment of that meme of a dog sitting at the table drinking coffee as everything around him is on fire, saying "This is fine!"
I’m 21 I don’t drink and I can still hangout with my friends without it. this girl has an excuse for every mistake she’s made but she won’t understand why she’s homeless
I am glad to tell you as much as I was tempted by the Eat My Assets shirt, as someone with gross, bad, death debt I have not bought a single piece of your merch.
Good decision, plus, given that you have bad seat debt (me too so not judging) you don’t have much assets for someone to eat. Cheers to being motivated by Caleb to improve our situation. I’ve paid off 30k in debt the last year. Still in debt so it will be another year
I’ve restrained myself in buying merch, I should be out of debt (other than my house) by the end of the month and come April 1st I will be buying some merch!!
Knowing more about her mental health condition she briefly mentioned, she didn't mean to be manipulative. She experiences more intense black and white thinking, all or nothing than the average person. She feels feelings (happiness, rage, anxiety, etc) way more intensely and in extremes, and they shift way faster than the average person. In the moment, she might genuinely feel this way, and then it'll switch as the convo keeps going. Not excusing her, (because it is manipulative as hell ro say that,) but this is a stressful, shameful experience and I give her props for taking accountability while having a serious mental health condition. It's ballsy as hell to go on this show, especially seeing it'll open you up to scrutiny.
I feel like this should have been a canceled episode right there tbh. She needs medical help before financial help. Or she needs to not say manipulative shit like that for whatever she's trying to get out of him/ the channel.
yeah also have to wonder about how every person she's lived with, first husband and then roommates were all violent. if everywhere you go comes down to violence, maybe just maybe you're part of the problem. then being told not to press charges, in a lot of cases is because it was mutual and you would end up with charges too.
Every time you want to say, "could've been worse", train yourself to say, "should've been better". Edit: "could've been worse" can be a way to maintain hope when things are truly out of your control (disaster, fire, etc) and you're at your breaking point, but accountability is an important part of growth when you had a role in what happened.
You're right, but a small nuance: having a human as a boss does not mean having a caring company. Also, medically, psychologically and financially stable employees --> hugely beneficial for the company. (less stress at home means more able to deal with stuff at work). Can be a valid management strategy. If the company provides the stability: better cause peeps wont leave.
@@NK-xh7eu Good, thoughtful points. However, it is also easy to blame "big companies" -who seem faceless and without identifying the people who run them - as uncaring simply BECAUSE we don't see that they are run by people, and that they legitimately need to have someone who cares about the bottom line to keep the company viable and people employed. It can be, but isn't always, a fair assumption.
@@dking1362 Couldn't agree more. Loads of companies talk a big deal. The best litmus test is usually as soon as it costs (unbudgetted) money. Does the company walk the talk?
This episode was hard for me. Mental health is such a big thing for me. I am a registered nurse and after I had my second kid I had severe postpartum depression and became s******l. Depression doesn't discriminate. I hope this sweet girl follows the plan and gets herself out of this hole. I hope to see her in future episodes with a positive story. Rooting for her!
@@chuckokoye2410a flight to and hotel in the host city during the Olympics costs so much more than a visit any other time. 10k is very possible, especially if you're going to be buying tons of drinks.
@chuckokoye2410 normally, you'd be right, but think of the raised rates for hotels and all the businesses taking advantage of the extra international customers. They're certainly going to jack the prices up to some degree. Maybe not 10k, but probably more than 5 at least
My advice to her is to go completely sober. I’m 13 months sober from alcohol today and I am 29 now. I struggled with blackout drinking from 17-28 and that was the reason why it was so hard to get out of debt because I would add more bills (hospital, car wrecks, insurance claims, dui, etc) until eventually one day I had enough of my crap and realize I had to work on myself and be accountable for my actions. I make the most money I ever did now with a plan on paying off all my debt within a year while renovating my house at the moment. Anything is possible but you first have to confront your trauma by looking within yourself to figure out “what can I do to be at least 1% better everyday?” 22 is so young and I wish I had this mindset now so her realizing it is huge! Best of luck to her!
I’ve never heard of a treatment program that will say it’s ok to have a drink when you’re an alcoholic. I’ve never been to a “religious” treatment facility but in all my years of receiving treatment for my substance use it’s always been about never using because addicts aren’t capable of moderation.
Yeah, my brother-in-law is an alcoholic. When he was trying to keep it from being an issue (so not binge drinking but still having a drink in social situations) he could last a very short time before a major relapse. It wasn't until he cut everything out and went sober that he was able to last any length of time. He's 6 months sober, and we're hoping that continues.
I started to abuse alcohol at 21 and had quite a few blackouts but last year at 34 right after thanksgiving I decided to quit alcohol for good after having a car crash and getting a dui and having to go through probation. I wish I would’ve quit sooner in my 20’s 😢
As a french person : coming to see the Olympics is probably one of the worst decisions you could make. It's going to be full of bad taste, unimpressive shit, thieves and transportation problems. Only come if you're a huge sports fan who's really coming for the athletes (but watch your back and backpack).
Thanks for caring about us over here. I hear lots of trash talk from Frenchmen about other people in other countries, but you have proven yourself an honest fella
She frames herself as being okay because she is doing "better than her parents" but then says she's taking financial advice from her.....parents..... then challenges why Caleb is an authority to listen to. What? Why even come on the show if you don't recognize this is reliable information. Then says a "religious" hospital told her that alcoholics only are prohibited from blacking out, not drinking? BRO
Caleb's info is good for people who are in trouble, but I would not go to him for investing, seeing how he's advertising moo moo and stock picks. I'm glad he defers to the money guys on that when asked
Okay but this woman’s job sounds amazing. I’ve never heard of so many benefits and they even helped her instead of trying to get rid of her when she needed help.
I'm retired now, but always worked for large corporations. When they detail your compensation, they list everything, including how much of your medical coverage they pay. It adds up to way more than what's in your paycheck.
As someone who has been to rehab there is NO SHOT they told her that. She may have wanted to hear that but nobody is going to tell you to learn to cut back
South Park said it, though it was more nuanced than "a couple of drinks won't kill you." But let's hope she's not getting rehab advice from South Park.
I had peers in there telling me how they were able to cut back, and my therapist would commend them for the actions, but the therapists themselves never said to do that for EVERYONE. I think she might have taken what her peers said and ran with it.
She said it was a religious hospital so now I'm like.... are these really doctors or is this one of those facilities where they do conversion therapy 🤔 It's probably more like "if you could take one or two drinks then stop, but you can't so don't" and she just blocked out the 2nd half. Also did she cheer her 1.5 score?
Caleb's probably the first creator I've ever seen feel bad about limited merch drops leading their audience to bad financial decisions. You're a real one
@@tim-tam-tomrick2973What? He has employees to pay and needs to make a paycheck himself. Plus, people were literally asking him to set up a merch line for the show. As he said, the limited lines sell better than unlimited because of scarcity mindsets and he specifically says on the site not to buy them if you cannot afford them. At what point are these guests expected to make responsible financial choices for themselves? If I sell cars for a living and you decide to go out and get a 30% loan to buy one from me, am I at fault for your shitty financial situation? No, of course not. So why would Caleb be on the hook for the fact that this girl can't decide to forego a hoodie or a sticker?
@@tim-tam-tomrick2973this just happened?? Has he made a limited merch drop since then? No. Will he in the future? We don't know. Does he SPECIFICALLY warn people in debt not to buy them (something that other creators don't do)? Yes. At the end of the day, he's not forcing anyone to spend money. He's actively encouraging people who shouldn't be spending to not spend
Love Dave Ramsey or not, one of his best quotes is “once I got an emergency fund, I stopped having emergencies” Yes stuff will still happen, but this constant cycle of “not my faults” and bickering with people etc just goes away. That’s the REAL financial peace
It was amazing how when I started to budget, magically I wasn't constantly out of money. I don't have a lot leftover by any means but the fear of bills coming up and me not having money in my account is pretty rare nowadays.
As someone with BPD and a laundry list of others mental illnesses, I really appreciate the way Caleb handles mental health issues/addiction issues with such respect and dignity, but how he still hold people accountable for fixing things and getting help. We need more people like him in that community.
I agree, and i know he's paid for a month of counselling for some people. I have personally been the person and known to many people who use mental health as an excuse to make mistakes instead of a hurdle you must cross.
Small victory, but wanted to share that I paid off my car today! Thank you Caleb for bringing financial awareness to us all who lacked the education growing up. Still have a bit of a mountain to climb, but I'm ecstatic and grateful to celebrate this milestone!
Changes nothing. They still abuse you without a gun and can still kill just as easily. But for a women who cannot physically defend themselves from a stronger man a gunfight is more fair than a fistfight.
My thoughts exactly. She is either profoundly easy to control or she is not being honest about who was abusing who. Yikes. After watching the video- she is just profoundly stupid. No one who has basic math skills would be this dumb upon review of the issues unless is a flat out idiot. Wow. She is now front runner for debt Queen of youtube.
Not only thst but he is crazy to the point of biting people and works in security where he can abuse his position. No, this man needs his gun taken and honestly both need to get in trouble for this. Him for assault and her for enabling endangerment to the public
He needs a poster on the wall of things that are not excuses -it could be worse -parents/ school never taught me - but tik toc. . . - I wanted . . . - I had to eat (while passing a grocery store and stopping for fast food)
Not wanting to report assault because it would jeopardize their guard card and they might not be able to have guns is the most backwards gun opinion I’ve heard
As someone with recovered alcoholic parents, she's either straight up lying or going to some sketchy place if they told her she could have a few drinks and cut herself off. Like pretty much every other drug addiction, alcoholism is a complete abstinence of consuming alcohol. Even one beer is considered a relapse. She has a horrible support system.
Religious centre. I'm betting mom and dad sent her there. As for abusive partner, was probably told by parents that thats a healthy relationship or "you made your bed , so lie in it.". I don't advocate violence but her mother sounds slappable regarding advice. And she is ridiculously naive about stuff
Day 1 of asking Caleb to please specifically ask guests if they know what credit APR actually means. I really believe more than half of these guest don't understand what interest rates actually means month to month for them.
“I was supporting people buying motorcycles, and ATVs, and jet skis, and at 24% to 35% interest… and the people that called in always sounded happy.” Not to be overly dramatic but this hits at the core of where we have gone so wrong. Temporary pleasures, living so fast with all these distractions, until it all falls down. The house of cards.
Bingo. I remember back in the 00’s, my grandmother (HS dropout who was in her 80’s at the time) was talking about how ridiculous it is that people need to buy things on credit and how they should just wait until they have money. A spiritually whole woman critiquing a spiritually bankrupt population. My grandparents were a single income household and neither graduated HS, and they were able to enjoy 20 years of retirement. Heavily because they didn’t buy crap that they couldn’t afford. Heavily because they didn’t need constant spikes of dopamine in order to exist on this planet
So the alcoholic, suicidal, super spender was abused, and that's the grounds for divorce? Going to Europe on a new card, suing and being sued, totals a car. Bad decisions are a character trait, nothing is her fault, "it could always be worse." At what point do we acknowledge the common denominator?
I’m sure plenty of it did happen, however the lack of mentioning anything on her behalf, everything being someone else’s fault, throwing money she doesn’t have at whatever she feels like, saying her rehab program told her she could have a couple drinks, already being married and divorced at 22, then having a falling out with a roommate and breaking the lease? This girl clearly has terrible impulse control, can’t take responsibility and I’d even go as far as to say she either bends the truth or puts words in other peoples mouths in order to back her own logic up. I do feel bad for her for having to deal with all of this, however, she is absolutely a red flag magnet with plenty of her own red flags
@@rohitsaxena7213it’s not Texas, it’s the woman above. In Texas, domestic abusers are NOT allowed to own or carry guns. So her not reporting him is the reason. I live in Texas and have my license to carry. This is one of the test questions which is why I know
Exactly. Someone who can’t keep their hands to themselves should not have a gun. Too many eventually use their guns to do harm or menace others, and that makes responsible gun owners look bad. Just like any right, responsibility comes with it too.
@@dabrick100 I like guns, I wish I could own guns in the UK, but what upbringing did you have where someone assaults you and you're worried about their ability to work in security knowing they're a danger to society and carry a firearm. That's a bad, avoidable-potential situation.
@@gen1130 thing is friends aside, and assuming she didn't cause the or contribute to the situation and calls him a psycho in her own words, she isn't doing anything other than making him confront their actions and take responsibility
"If you can learn to only take one or two drinks..." When I was in a counselling session, I remember our counsellor tell us, "Once you get to the point where you are drinking all the time where it becomes more than social drinking, there is no going back. There's no going back to the "I'm just going to be a social drinker again and have only a drink or two"...because that leads to more than one or two." That always stuck with me.
I do process serving as a side gig and let me tell u, most ppl I serve are being served for not paying credit card companies. So yeah, they’ll take you to court for not paying.
As a recovering alcoholic who drank until black out almost all of my teenage/early 20's she is on the wrong path. When you're in that deep and think "just not blacking out" is staying on the wagon you're on a road to disaster. I have been completely sober for 10 years and have been able to address my mental health struggles in soberiety. I think she would benefit from that pathway but I don't think she is ready to accept any path that isn't hers... As you are seeing by trying to help her fix her finances.
Oh, the irony!!! She works for a credit card company that pays for her to sue other people and credit "saved" her. Yet, she doesn't care about them??? Shameless 🤢 Edit one: Credit company pays for internet & gym membership too!!
She works for a credit card Company and is telling him that if you pay what you spend that money that month, you don't pay any interest. Credit card companies always applies all payments to the oldest debts (its in the fine print that no one reads). Also interest is calculated by adding the beginning and ending interest together and dividing it by 2. So even if you paid more than you spend, you still get an interest charge.
I mean they are part of her benefit package at work and a lot of work places offer both gym reimbursement and legal services. There are a lot of things problematic here, but using her benefits that are part of her compensation package ain't it
That's all part of the compensation transaction between employer and employee. There's no obligation to feel anything for them beyond the transactional.
Seeing Caleb’s reaction to her merch purchase tells me all I need to know about him! You Caleb are the real deal! Anyone who tries to demean or drag this man’s name through the mud saying foolish things about him “taking advantage” of anyone is downright wrong. He genuinely cares. Good man Caleb, good man.
My ex tried to call me "financially abusing" for asking her to spend less when we were 25k in credit card debt. Got a divorce and even took on all of our debt on my own to get my leg out of that bear trap! 6mo after the divorce she bought a 30k car at 14.99% interest. I had never felt this validated in my life 😂
If you're married and can't be trusted with finances, then divorce makes sense. A marriage is like a business partnership (plus love). You're supposed to be working towards the same decided mission.
@@talyahr3302unfortunately we haven’t gotten much info on who this STBXH actually is. Obv he doesn’t exactly sound like a winner. And who knows what the motivation to get married was when they were this unstable.
That broker should be in violation of something. We get mad at these ignorant kids that come on here but it’s the credit companies that are culpable. Makes my blood boil.
I work for a local Credit Union. After truly learning about interest and seeing peoples' financial situations and how they put themselves in their situation, I instantly cleaned up my act. I condensed my CC debt into a 3.99% personal loan and halved my vehicle loan to a 1.79% while shaving off a year during the refinance. I have since paid off my personal loan and am saving, while earning more interest than I am paying, to pay off my vehicle.
If someone makes the choice to be physically violent in their daily life, they're knowingly making a choice to lose their right to own a firearm. Guilting others to keep their violence secret is cowardly. Guns are not for people who have poor control over their emotions.
I have been in her situation moving back and forth from one state to another, in complete financial disarray due to escaping, getting sucked back in, and escaping again an abusive relationship. It isn't easy. My heart goes out to her, I hope she heals and figures this out. I think this situation is more common than we think
Yeah I thought that was pretty shallow for her to say. There’s so many things to do that don’t involve alcohol. It also takes initiative to find new ways to hang out with friends.
I applaud Caleb for going through with this. I can't imagine the pressure he felt after the statement was made "Your my last ditch effort before I blow it all up and give up" There was so much more behind that statement than just finances given the past self harm attempts
I'm turning 24 this month, been in recovery for 2.5yrs now. I really wish that hospital wouldn't have told her that it's "okay" to have one or two drinks. When you realize you're an addict/alcoholic.. any type of use will not help you in the short or long run. It alters your state of mind and that addict mentality is activated. Distracting you from what you really need to be focusing on in life.. finding ways of healing for yourself mentally, emotionally, spiritually, and physically. ❤️❤️ praying for her
I appreciate that Caleb was self aware enough to know ahead of time that doing an “exclusive drop” may drive the behaviors he’s desperately trying to get people to realize are killing them, BUT it’s not your fault people make stupid decisions! I think her mindset just further highlights the way consumerism makes us think.. there has to be a mindset shift in all of us to avoid falling into those traps.
I’m an addict in recovery (2+ years), I’ve never struggled with alcohol only ‘rugs’. But ANY use of your substance is a relapse. One sip or one use, and someone with substance abuse will spiral. Please don’t listen to that hospital. You’ll have one drink, and think you’re fine and feel like you can have one more, and then one more, and then so on and now you’re blacked out. Please please please seek better counseling! You are strong ❤
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Caleb I wanna see your financial audit
wait we have to pay to see the live?
i think its just "more stupid"
Yeah, but what about Ren
L
I paid off the last of my credit card debt today! $7,120 🎉
Thank you for the motivation Caleb!
Killing it!!! Keep it up 🎉🎉🎉
Woot Woot!!! 👏😃
Congratulations!! 🎉🎉
Congrats! No cc debt is very freeing!
🤸🏻♀️ 🥂 🥳
Caleb. You can’t mention that there is a dog under the table and not show us the dog! It’s rude.
Agree lol I want to see the doggy ☺️
I opt for a doggy/pet cam. That way we can see the reactions of the dog when Caleb has an outburst. Lol😂
No. All content doesn't need to be dogs.
@@churchofmarcusyou right. Sometimes we need cats
@@LilyEvans1996And Eagles
"he has a credit card for his gun" is somehow the most American sentence ever
you guys are crazy with all the guns, wtf you needs guns for? you going to kill someone if not you do not need a gun.
Only way it could be more American was if it also involved medical insurance or private Healthcare
And lots of their debt was due to firearms! That's insane. But then we have a different laws in the UK. Also is her ex or her roommate suitable owners of these firearms with their actions?!
@@prinithdealwisjayasinghe2455 The rednecks in the USA would rather starve than have less than 3 guns/rifles
And nut jobs get to vote for the most powerful President of all countries. No wonder they voted Biden!
"He was not well, he shouldn't be in Security" but she won't report him so he doesn't lose his gun license. DOES THIS GUY NEED A GUN?!
If it is even real.. But no he needs to lose it.
She’s full of shit
She didn’t report it because she knew she was in the wrong too. She seems to love victimhood.
Not her call to make. If you think that people should have their rights stripped just because someone makes a phone call then you have a lot to learn.
@@clownworld4655 His rights wouldn't be stripped unless he was found guilty of a crime that would have had him forfeit the rights. Unless she's talking about one of those 'red flag' laws that are unconstitutional anyway.
As a gun owner. Definitely report people who are being abusive. They gave up their rights as soon as they did that.
agreed
Amen
I came here to say this!!!
Here here!
Yup!
If I had a dollar for every financial audit episode I’ve watched, I’d be out of debt with a full emergency fund
New game: save $1 for every episode. Then use it to buy taquitos at the end of every week. $3 if you just watch the main channel, and if you find the other channels you could probably get to $5 😂
Buy a share of the S&P500 every time Caleb's voice gets squeaky
@@tracym8952a whole share??
@@ProWrestlingPsychology101 do shorts count? JK Caleb LOL
😭😭😭😭😭😭😭
You're fresh out of addiction treatment and an abusive relationship, fighting multiple people in court, thousands of dollars in debt, credit card debt and almost being homeless... but nothing like a trip to Europe and THE OLYMPICS that can't fix.
And a condo
She’s lying about the abuse. C
@@SoManyBasses because people that get blackout drunk every night have healthy, happy relationships?
@@frankvonfraunerhonestly the abuse might be true but I wonder if it's one sided...blackout drunk? Sounds like she may have her own demons that may have also contributed to the "abusive" relationship
that's a big assumption. Maybe the abuse exacerbated her addiction issues.@@draconic5870
No legitimate substance treatment facility is going to tell an alcoholic that they can have a drink.
Unless that alcoholic is getting life threatening withdrawals
@minksopro absolutely not true. I worked at a in patient substance abuse center and if withdrawals were deadly then they were hospitalized and went through withdrawals with the close monitoring of trained staff as well as with the support of medicine. NO ONE PROFESSIONAL EVER SAYS YOU CAN HAVE A DRINK HERE AND THERE WHEN RECOVERING
Delusional addicts will say that they were given that advice though….
@@slackerman9758correct. Have a friend like that. We had to stop talking for a while because the lying and excuses and crazy behaviors was consuming my life. So she lashed out. Always an excuse that she was managing, found out from her family she was way worse than she said, drinking everybminute of the day. I almost started work with her. Completely irresponsible.
I've seen a few former addicts who have said they don't even bother trying because even if they do successfully have a single drink they feel like shit for awhile
This poor woman lives on a MOUNTAIN of misinformation. She clearly does not realize that debt is generally bad and emergency funds consist of cash, not credit cards.
I think she uses other people's advice as an excuse/justification to do what she wants. She talks crap about the financial institution she works for taking advantage of people, but falls in into the same trap because a coworker or relative says "it's fine" to do this same thing...at some point it becomes delfection vs ignorance if you work in the same industry.
I think she's lying and exaggerating her ignorance (and the source of it) to avoid taking FULL accountability.
Yes🎉🎉🎉🎉😮
@@erick3755exactly.
She works for a bank G. She makes it seem like the prey on the poor, they do not unless she works for some damn loan shark. Banks lend based on credit worthiness, now if they are not able to obtain a loan a guarantor steps in.
She is just making excuses and blaming everyone but herself.
“We didn’t want to be like our parents.” Proceeds to take all of her moms terrible advice
That's always how it goes
we need to preach this to our kids more.... "only take advice from people you wanna be, since that's what got them there"
Unwittingly following
I am so amazed at the resilience and the positive possibilities for this guest.
Right, and acts like the advice is the holy grail
my mouth just DROPPED. Girl, you can NOT afford the olympics, France is expensive on a good day, let alone the biggest sporting event in the world
WTactualF ... Prices are going to be 3x normal 😮
This made me mad. Talking about not paying her debts that she knowingly and willingly took out and she's going off to the Olympics. Ridiculous.
Pure delusion. She is going to be another 5k in debt min by the time she gets back. And she is putting it on credit.
Meanwhile the Olympic is streamed on TV and has had the least amount of views in years. Watch from home, help your wallet and their viewership.
She's gonna go over there and bring the bedbug outbreak back to her town, 😂
Biggest red flag ever is that she was in a religious hospital that said,” oh as long as you can just have a drink or two it’s totally fine.” Whereas a religious hospital would absolutely point her towards the 12 step program. It’s literally a religious program for alcoholism. Even “secular” hospitals would not promote someone having drinks after being in the hospital because they were blackout drunk.
My thoughts the same. But I think it could have been one specific nurse of even the janitor, stating a personal (and uninformed) opinion. And she just said "the hospital".
@PetulaGuimaraes or she tried to rationalize it like that in her head when they said something else
Shes BPD so delusional
People be divorcing at 22 while I'm thinking about proposing at 33
Good luck if you decide to propose!!!
Keep thinking a minute dang these divorces are unfortunate
Lab diamonds are way cheaper or you can find great rings at pawn shops. Good luck!
I'm 35 and haven't even dated, lol
Meanwhile, I have just turned 30, and I am still grinding away, refusing to get married. Best to you on the proposal.
"Could be worse" is something that keeps people in abusive relationships. You deserve better than "could be worse"
"It could be worse" is reserved for when your donut falls on the ground not when you're THOUSANDS in debt and in an abusive relationship.
Gosh I hate that expression… Like yea, could be worst but it could also be better so why not do better?
Facts I use it on my girl all the time 😂
After watching this, I firmly believe she as the aggressor in this situation with just how inane she seems to be. Dismissive, self absorbed, rude, and unwilling to change.
@@cgwworldministries83 she did somehow end up in 3 lawsuits at once, odd individual for sure
This person physically harmed you and you want them to have a GUN? Girl…
Did she not also say that they both spend a lot of $ on firearms or did I misunderstand?
honestly how could you believe a word out of her mouth?
That part blew me. Like HUH? The logic was making literal opposite sense. She sounds easily manipulated all around. Not strong mentally either, so that goes together.
@@talyahr3302I would have agreed, but she made it very clear she controlled the finances, so she controlled the money and let him buy guns
The attack was a roommate not the ex. If she knows them, and they were in a psychosis as she claims then I can see being persuaded that one off and and please don't make me lose my job. She seems susceptible to such an spin, and roommate not a stranger, so creates mixed dynamics. It may not make sense to us outside the situation, just as many other choices she makes.
She’s not ready to change. She’s not ready to change her alcohol addiction and she’s not ready to change her financial problems. She thinks she can go from being an addict to having just a little bit of alcohol or a little bit of credit and be fine. She’s proven she can’t. But she’s not ready to change yet, rock bottom is still ahead of her. Godspeed.
With alcohol addiction, you cannot physically go for cold turkey it can kill you
At 22, I do not believe she is an alcoholic. I believe she has impulse control issues. There is a very big difference. Her finances only reinforce my observation. If she was an alcoholic at SUCH a young age, then her parents failed st their job.
The average severe alcoholic started drinking at 16. The beginning of dependency early is EXTREMELY common in addiction circles
@@michelleparks4582it’s proven if you drink/smoke/do drugs at a young age (starting as teens) that you will be an addict as an adult
The really sad part is that this is true and she seems to lack a good support network. The really scary part is that rock bottom for her may be the end if she doesn't get help.
“My job pays for expensive lawyer fees for only $3 a paycheck, covers my internet, and reimburses my gym membership, they’re great. So anyway I hate them and I’m looking to quit. Then I’m going to buy a condo in Colorado or Kansas or South Dakota or Nebraska or wherever I’m living this month. Once I get back from Europe, of course.”
😂😂😂
This needs to be pinned LMAO
TBF, her job is also some of the people convincing her to go into massive debt.
Long $MA
She also bad mouthed them. This woman is an absolute train wreck.
This video came out at 10:01am, not 10am, and I was worried for a minute.
10am? damn for me it is 4 pm :D
😅😅😅
Caleb needs a time management audit. Think how much time that 1 minute will be by the time he's 65!
Same but 11
@Trickistar Merica doesn't recognize other time zones. Time begins in Hawaii and ends in Maine.
Remember folks, it’s way easier to spend $1000 than it is to make $1000
Indeed🎉😮
Preach!!! ❤
money goes fast but came home slowly
I watch a lot of fitness content on youtube and the similarities are incredible! It's really about controlling consumption and being able to moderate consuming things (buying / eating).
Caleb really needs to hear his own advice.
I do think he has a tiny voice in his head whispering "it's not that bad.."
Unless you have a money printer, you can't literally MAKE money.
Girl with 24 individual items of debt to her name actually said 'Credit saved me' with a straight face
Stop saying it could be worse, and stop chasing WORSE. Start saying it can be better and chase BETTER.
Well stated!
You don't even necessarily need to keep chasing better if you're already in a good spot, you just need to be able to recognize when you're in a bad situation and just call it what it is and stop trying to justify or downplay it.
Yeeeaaaaa
This!
Excellent mantra
She's got a job with incredible benefits and what seems like a supportive leadership team. She needs to realize that she's so lucky, so many people would kill to have half the perks she's got. The fact that she says that businesses "just f*k people over" and doesn't seem to value the benefits she takes advantage of just goes to show that she has zero idea how fortunate she is.
The benefit package is wonderful for employees, but I think what she meant was in regards to company ethics allowing people to apply for credit cards and loans they cannot afford. Double edged sword.
@@irisberkheimerthen don't apply for it??
@@irisberkheimeryeah, it’s the businesses fault people take their money they know they can’t afford. You and all the people like the guest here is why the world sucks.
It's ignorant commie nonsense.
@@lukeherbst7931 Eh that kind of thought process is why things keep getting worse.
I can not be convinced that any medical professional has ever told her, a recovering alcoholic, that she could/should just learn to drink a little and all would be fine.
Yeah she's full of exaggeration and made up nonsense.
It's called maintenance. A lot of people can do it.
Maybe on Betterhelp
I can confirm. I was an alcoholic and my doctors and therapist said NO ALCOHOL...in fear of relapse
Who said anything about medical professional? She said it was a religious hospital lol
6:36 anyone else think this is INSANELY inappropriate that she's essentially saying that Caleb is her last resort until she ends herself? That is reckless, manipulative and disgusting. She needs wayyyy more help than Caleb can provide.
I don’t think it was intentionally manipulative
Sometimes it go like that and I’m glad Caleb encouraged her to not give up
Its still a fucked up situation to put Caleb in, like if you dont do a good enough job I'm just gonna end it! lol@@thomashester2
no medical professional will ever tell an alcoholic that just one or two drinks is ok…wtf 29:25
Exactly!! Thanks for saying what I was thinking!
I’m not there yet so I don’t know all the context. If she didn’t disclose she’s an alcoholic, med schools and nursing schools are currently teaching 1-2 drinks a week is considered casual drinking, not addictive drinking or problematic drinking. I can’t remember the exact number but they even had recommended numbers of drinks for women and men when socially drinking (so the numbers were higher & in a single sitting/day for the expressed purpose of getting a “safe” level of turnt).
So like, for interviewing a patient to get their history, we ask “how many drinks do you drink a week?” And they say something like “I have a glass of wine with my dinner two to three times a week” and we’d say something like “yeah that’s fine”. But if someone says “I have a beer everyday after work” we’d say something like, “yeah let’s try to cut back on that, we really want to aim for 1-2 times a week.”
But no, no medical professional is gonna tell a patient who is a known alcoholic to go ahead and let loose
she said it was a religious center so ….. who knows if it’s a medical center. lol
She clearly only takes in what she wants to hear, not all that she is told
She wants to protect the gun rights of a violent individual? Did I hear that correctly?
She said roommate physically assaulted her and ex was mentally abusive.
Unless they were the same person.
I think she might be what some professionals call....A Liar
*banjo noises intensify*
@@amoose8439both of them had guns anyway
2A brain rot
I felt disgusted when she said Caleb was her last ditch effort before she says fuck everything. That would make me feel so trapped. Pretty manipulative and scary.
At the end of the day he’s there to help, its her decision to give up
Yeah...don't believe the rest of her story either
She had a great attitude towards listening tho. Caleb went into well explained pep talks instead of squeaking! I enjoyed this.
Then you realize Caleb don’t give a F if she gives up after his show cuz he understands personal accountability
@@sethjackson2266 Not a word of it.
My cousin is being sued in court by her old credit card company. They absolutely DO litigate!
And they are coming STRONG right now. I had no idea that a couple of credit cards from My divorce were never paid (and i went and checked my decree) until I was served. It was 6.4 years ago. They only had 7 years to get their money, and boy did they come in hot. I tried to negotiate a lump sum, but they weren't hearing it. They're getting more than my original debt that we owed the original creditor, when I know they only bought My debt for pennies. If anyone thinks they're getting away with old debt, they're dead wrong! Especially during these times. EVERYONE is trying to get their money right now.
@@keeleyhank6812what ended up happening? I pray everything goes in your favor with it.
@@keeleyhank6812 I hope you had a lawyer review this for you. These debt collection companies do buy these debts for pennies, but they often have no actual proof of owning the debt and cannot prove they are even the party that currently owns it. If you pay the wrong debt collection company, or settle with a company that does not have chain of custody of the debt, you're never getting that money back easily. I was sued years ago for a charged off card and my attorney argued in court they had no actual proof of owning the debt- just a line item on a piece of paper with a name and debt total...and they lost. If you can negotiate with the original creditor that's good, but don't pay up to scumbag collectors without consulting an attorney.
@@keeleyhank6812they also will try and come after you for debts older than 7 years. They're not supposed to but they'll hope you don't know that
This job is literally keeping you alive. Please, for the love of God, DO NOT QUIT!!!
Olympics. You're fresh out of addiction treatment and an abusive relationship, fighting multiple people in court, thousands of dollars in debt - but flying to Europe to watch a sports show is important.
She has bad friends and family, in terms of terrible advice and financial choices. I really hope she tries the discord.
"They" keep "YOU" DISTRACTED with 'bread and circuses'...THEY always have and THEY always will. 😂
I get it though. I was in abusive relationship at her age and I moved to Australia on a student visa to get away. It may not be my choice of change, but I get it.
@tastegeorgia674 That is wildly different than going on a vacation to see a sporting event you can watch on TV while also crazy in debt
@@Struggle.Itselfits also THE BIGGEST SPORTING EVENT IN THE WORLD in Paris, one of the most expensive cities on earth on a normal day, let alone during the olympics
I'm convinced that "Could've been worse" ruins lives because everyone thinks "Well I could be dead" instead of "I should be thriving without debt"
yep, easy cop out to just say things could've been worse.
It’s the thing of, IN THE MOMENT, I think it’s a good mindset to have to not spiral. But then the next thought should be “how do I get out of this?”
Very common mindset, it's confused with being grateful
I say it a lot, but generally its about someone being annoying at work or some mild inconvenience. Its absolutely insane to keep saying it for this crazy stuff.
Right on! This girl is the embodiment of that meme of a dog sitting at the table drinking coffee as everything around him is on fire, saying "This is fine!"
I’m 21 I don’t drink and I can still hangout with my friends without it. this girl has an excuse for every mistake she’s made but she won’t understand why she’s homeless
She went from "I want to end it all" to "I'm going to the Olympics :)"
That part
Might be a last days money bash because that insane decision to go is something you do when you don't care about your future.
@@talyahr3302interesting. He had a previous guest sometime last year that did that very thing
What lol
Manic as hell
I am glad to tell you as much as I was tempted by the Eat My Assets shirt, as someone with gross, bad, death debt I have not bought a single piece of your merch.
Very wise of you, Caleb would be proud of that decision
Good decision, plus, given that you have bad seat debt (me too so not judging) you don’t have much assets for someone to eat. Cheers to being motivated by Caleb to improve our situation. I’ve paid off 30k in debt the last year. Still in debt so it will be another year
@@evinthestix7451 My house, but that's about it lol. Good point. I must earn the sass.
I’ve restrained myself in buying merch, I should be out of debt (other than my house) by the end of the month and come April 1st I will be buying some merch!!
Same. I want the BDSM one, but...debt
“Throughout my life … constant black out drinking” bro ur 22 wattttt
Probably started 14/15. In the UK drug use is abominable, smoked my first joint at 15. Took my first molly pill and acid tab at 16.
If you're 22, you've only lived for 22 years, so that's your life. You don't talk about you're entire life that you've let to live 😂😂
Yeah a lot of people start partying at 15/16 and are done with it by 25, or they are addicted for life
@@SuperbChicken indeed
I started using drugs and alcohol at 13, Constantly fucked up until about 20 . 22 now and I'm sober.
That’s such a Midwest traditional way of thinking “oh it could always be worse”. It’s so toxic. I grew up with it that too.
I agree, but only during certain situations does that saying applies
this just woke something up inside of me-
It could be worse is what I say when I get a bad grade on an exam, not if I’m spending recklessly. 😭
Telling Caleb he's her last ditch effort before blowing it all up and giving up feels extremely manipulative and gross.
So, that’s literally more than half of everyone who ends up on this show. She’s not even close to the worst person who’s been on here.
Knowing more about her mental health condition she briefly mentioned, she didn't mean to be manipulative. She experiences more intense black and white thinking, all or nothing than the average person. She feels feelings (happiness, rage, anxiety, etc) way more intensely and in extremes, and they shift way faster than the average person. In the moment, she might genuinely feel this way, and then it'll switch as the convo keeps going.
Not excusing her, (because it is manipulative as hell ro say that,) but this is a stressful, shameful experience and I give her props for taking accountability while having a serious mental health condition. It's ballsy as hell to go on this show, especially seeing it'll open you up to scrutiny.
I feel like this should have been a canceled episode right there tbh. She needs medical help before financial help. Or she needs to not say manipulative shit like that for whatever she's trying to get out of him/ the channel.
yeah also have to wonder about how every person she's lived with, first husband and then roommates were all violent. if everywhere you go comes down to violence, maybe just maybe you're part of the problem. then being told not to press charges, in a lot of cases is because it was mutual and you would end up with charges too.
@@ShamelessJames I sincerely hope no one you love ever experience trauma in their lives to have to hear you saying it was their fault.
"Credit saved my life" girl no. It only moved the grief later down the line...
Unless, of course, you have no intention of paying your credit debt, as she seems to. Lack of morals. Guess it will work for awhile....
She meant getting out of the house.
Buying a house and quitting your job are mutually exclusive life goals...
Can't believe how people asking for help can be so challenging. Listen, accept, learn and follow through.
Every time you want to say, "could've been worse", train yourself to say, "should've been better".
Edit: "could've been worse" can be a way to maintain hope when things are truly out of your control (disaster, fire, etc) and you're at your breaking point, but accountability is an important part of growth when you had a role in what happened.
You're quoting Jan Austen 👍
Ooh.
Great idea!
Yeah… my anxiety tells me it can ALWAYS get worse
I love this quote
her: "another reminder that companies DON'T CARE about you"
her company: literally reimbursing her phone bill, medical and legal expenses
Her boss, encouraging her not to quit and directing her to medical leave benefit....
Just a reminder, that big American banks are assholes, but not to their employees (I was an engineer for one).
You're right, but a small nuance: having a human as a boss does not mean having a caring company.
Also, medically, psychologically and financially stable employees --> hugely beneficial for the company. (less stress at home means more able to deal with stuff at work). Can be a valid management strategy. If the company provides the stability: better cause peeps wont leave.
@@NK-xh7eu Good, thoughtful points. However, it is also easy to blame "big companies" -who seem faceless and without identifying the people who run them - as uncaring simply BECAUSE we don't see that they are run by people, and that they legitimately need to have someone who cares about the bottom line to keep the company viable and people employed. It can be, but isn't always, a fair assumption.
@@dking1362 Couldn't agree more. Loads of companies talk a big deal. The best litmus test is usually as soon as it costs (unbudgetted) money. Does the company walk the talk?
"This is one wagon I want you to fall off"
Top notch, 10/10.
Redditors are smashing their keyboards right now.
Seriously, it went over the guest's head but it was peak comedy!
This episode was hard for me. Mental health is such a big thing for me. I am a registered nurse and after I had my second kid I had severe postpartum depression and became s******l. Depression doesn't discriminate. I hope this sweet girl follows the plan and gets herself out of this hole. I hope to see her in future episodes with a positive story. Rooting for her!
I wasn't sure how working more hours would fit with managing her mental health.
Became what?
When she said she was spending all that money to go to the Olympics in Europe I about lost it. That's a $10k trip at minimum.
It’s not gunna cost 10G’s to get out to paris lol, I’ve done it before and it was about half that. But your point still stands, she can’t afford it
@@chuckokoye2410a flight to and hotel in the host city during the Olympics costs so much more than a visit any other time. 10k is very possible, especially if you're going to be buying tons of drinks.
@chuckokoye2410 normally, you'd be right, but think of the raised rates for hotels and all the businesses taking advantage of the extra international customers. They're certainly going to jack the prices up to some degree. Maybe not 10k, but probably more than 5 at least
While she certainly can't afford it.. wtf are you smoking? Even a vacation in Sweden wouldn't be that expensive..
Even metro prices are doubling from around €2 to €4 a trip
My advice to her is to go completely sober. I’m 13 months sober from alcohol today and I am 29 now. I struggled with blackout drinking from 17-28 and that was the reason why it was so hard to get out of debt because I would add more bills (hospital, car wrecks, insurance claims, dui, etc) until eventually one day I had enough of my crap and realize I had to work on myself and be accountable for my actions. I make the most money I ever did now with a plan on paying off all my debt within a year while renovating my house at the moment. Anything is possible but you first have to confront your trauma by looking within yourself to figure out “what can I do to be at least 1% better everyday?” 22 is so young and I wish I had this mindset now so her realizing it is huge! Best of luck to her!
I’ve never heard of a treatment program that will say it’s ok to have a drink when you’re an alcoholic. I’ve never been to a “religious” treatment facility but in all my years of receiving treatment for my substance use it’s always been about never using because addicts aren’t capable of moderation.
@@moc617if anything the religious treatment centers would tell you to not only not drink but also not have sex shes lying 😂
Yeah, my brother-in-law is an alcoholic. When he was trying to keep it from being an issue (so not binge drinking but still having a drink in social situations) he could last a very short time before a major relapse. It wasn't until he cut everything out and went sober that he was able to last any length of time. He's 6 months sober, and we're hoping that continues.
Congratulation for 13 month sober!!! You rock 🎉
I started to abuse alcohol at 21 and had quite a few blackouts but last year at 34 right after thanksgiving I decided to quit alcohol for good after having a car crash and getting a dui and having to go through probation. I wish I would’ve quit sooner in my 20’s 😢
As a french person : coming to see the Olympics is probably one of the worst decisions you could make. It's going to be full of bad taste, unimpressive shit, thieves and transportation problems. Only come if you're a huge sports fan who's really coming for the athletes (but watch your back and backpack).
And the Olympics will be back in 2028 in Los Angeles.
@@SyKnife Was going to suggest that she should just wait until it is in the USA...but had no idea that was an actual reality!
Thanks for caring about us over here. I hear lots of trash talk from Frenchmen about other people in other countries, but you have proven yourself an honest fella
Are you described by France or American major cities?
@@2centsbear638to be fair, much of the shit in France has come from immigrants from other countries.
She is not canceling that trip to Europe.
I manifested my debt to go away last night. Woke up, and my debt increased because of interest. These spiritual life coaches are full of it!
yes, pray but don't try to manifest. When you pray, God will assist and help you navigate through debt
Lmaooooo
🤣🤣🤣🤣
@@melaniemcgee4164just a loony as manifesting in my opinion.
@@melaniemcgee4164 Come on now, Caleb seems pretty good at what he does but I don't think he would want you to call him God. 😂😂😂
She frames herself as being okay because she is doing "better than her parents" but then says she's taking financial advice from her.....parents..... then challenges why Caleb is an authority to listen to. What? Why even come on the show if you don't recognize this is reliable information.
Then says a "religious" hospital told her that alcoholics only are prohibited from blacking out, not drinking? BRO
Caleb's info is good for people who are in trouble, but I would not go to him for investing, seeing how he's advertising moo moo and stock picks. I'm glad he defers to the money guys on that when asked
She doesn't care to actually think about her problems. She just wants to defend herself.
@@albinosaschoopasquatch4455 She just makes excuses and avoids culpability by blaming everyone and everything else
Okay but this woman’s job sounds amazing. I’ve never heard of so many benefits and they even helped her instead of trying to get rid of her when she needed help.
Good employers in the US often provide Employee Assistance Programs. They can be super helpful
Thats cause she's willing to work for peanuts.
I'm retired now, but always worked for large corporations. When they detail your compensation, they list everything, including how much of your medical coverage they pay. It adds up to way more than what's in your paycheck.
She wants to leave the job
Also it's interesting that the person with free legal aid also has 3 ongoing lawsuits.. 🤔
She didn’t take accountability for a single thing.
Welcome to borderline personality disorders!
We are done as a society. "I got a card just for Europe," is the craziest thing I've ever heard.
There are millions just like her, of course America is collapsing
Democrats have run America into the ground, and neocon Republicans.
I lost any sympathy I had left for her when she said she was going to the fucking olympics
Democrats are destroying this once great nation
Paused it and thought about the roman empire for a good minute there
As someone who has been to rehab there is NO SHOT they told her that. She may have wanted to hear that but nobody is going to tell you to learn to cut back
South Park said it, though it was more nuanced than "a couple of drinks won't kill you."
But let's hope she's not getting rehab advice from South Park.
I had peers in there telling me how they were able to cut back, and my therapist would commend them for the actions, but the therapists themselves never said to do that for EVERYONE. I think she might have taken what her peers said and ran with it.
@@SlimG44well, she does have a tendency to do that as the episode shows
She said it was a religious hospital so now I'm like.... are these really doctors or is this one of those facilities where they do conversion therapy 🤔 It's probably more like "if you could take one or two drinks then stop, but you can't so don't" and she just blocked out the 2nd half. Also did she cheer her 1.5 score?
@@Theaterkid4L9733 religious hospitals normally really preach the 12-step program which doesn't normally allow casual drinking Even if you can.
Caleb's probably the first creator I've ever seen feel bad about limited merch drops leading their audience to bad financial decisions. You're a real one
Not bad enough to not drop them tho, am I right? Sorry, I don't buy it.
Lol i agree. He knows hes advocating to people that have no self control with their money.@tim-tam-tomrick2973
@@tim-tam-tomrick2973What? He has employees to pay and needs to make a paycheck himself. Plus, people were literally asking him to set up a merch line for the show.
As he said, the limited lines sell better than unlimited because of scarcity mindsets and he specifically says on the site not to buy them if you cannot afford them.
At what point are these guests expected to make responsible financial choices for themselves?
If I sell cars for a living and you decide to go out and get a 30% loan to buy one from me, am I at fault for your shitty financial situation? No, of course not. So why would Caleb be on the hook for the fact that this girl can't decide to forego a hoodie or a sticker?
@@tim-tam-tomrick2973this just happened?? Has he made a limited merch drop since then? No. Will he in the future? We don't know. Does he SPECIFICALLY warn people in debt not to buy them (something that other creators don't do)? Yes. At the end of the day, he's not forcing anyone to spend money. He's actively encouraging people who shouldn't be spending to not spend
@@tim-tam-tomrick2973kinda of a dumb thing to be mad over tbh
Love Dave Ramsey or not, one of his best quotes is “once I got an emergency fund, I stopped having emergencies”
Yes stuff will still happen, but this constant cycle of “not my faults” and bickering with people etc just goes away. That’s the REAL financial peace
It was amazing how when I started to budget, magically I wasn't constantly out of money. I don't have a lot leftover by any means but the fear of bills coming up and me not having money in my account is pretty rare nowadays.
As someone with BPD and a laundry list of others mental illnesses, I really appreciate the way Caleb handles mental health issues/addiction issues with such respect and dignity, but how he still hold people accountable for fixing things and getting help. We need more people like him in that community.
I agree, and i know he's paid for a month of counselling for some people. I have personally been the person and known to many people who use mental health as an excuse to make mistakes instead of a hurdle you must cross.
Small victory, but wanted to share that I paid off my car today! Thank you Caleb for bringing financial awareness to us all who lacked the education growing up.
Still have a bit of a mountain to climb, but I'm ecstatic and grateful to celebrate this milestone!
Great job 😊
Congratulations!
I made my final student loan payment this morning. Did a little dance and yelled "F#@k You Loans!" At the top of my lungs😅 . We winning today.
That's amazing! Congrats!
hell yeah!! congrats!
If there is one red line throughout all these episodes, then its: mental health.
Nah. It's entitled idiots who take no accountability
Seriously. I would consider dropping Course Careers and teaming up with a mental health professional
Well it’s mostly just cope. Well I don’t wanna take accountability hmmm mental health is in vogue, I’ll go with that.
@@mdevine1894if you've watched these episodes and know anything about mental health thats just not true. You sound like a boomer
Every person making bad decisions blames mental health.. it's trendy nowadays .. and a pathetic pity party
Can we all have a moment of silence for her therapist, who must be utterly exhausted by now?
Nah, he's balling. This chick probably has 3 credit cards just for that
Girl: “I don’t want to live anymore…”
Caleb: *reads an ad for Spotify*
😂
*looks her dead in the eye, changes shirts, grabs his script*
"Do you like music?" 😂
“No, you don’t understand. I WANT the person abusing me to have a gun”
Changes nothing. They still abuse you without a gun and can still kill just as easily. But for a women who cannot physically defend themselves from a stronger man a gunfight is more fair than a fistfight.
Just started and scrolled through the comments to see this! Whaaaaaaaaaaa?!?!?!?!?!?!!!!!!
My thoughts exactly. She is either profoundly easy to control or she is not being honest about who was abusing who. Yikes.
After watching the video- she is just profoundly stupid. No one who has basic math skills would be this dumb upon review of the issues unless is a flat out idiot. Wow. She is now front runner for debt Queen of youtube.
That was crazy 😅
Not only thst but he is crazy to the point of biting people and works in security where he can abuse his position.
No, this man needs his gun taken and honestly both need to get in trouble for this. Him for assault and her for enabling endangerment to the public
He needs a poster on the wall of things that are not excuses
-it could be worse
-parents/ school never taught me
- but tik toc. . .
- I wanted . . .
- I had to eat (while passing a grocery store and stopping for fast food)
this is brilliant, maybe we all need to have that poster
Don't forget one about manifesting
@@tear728 HOW DID I MISS THAT!?!?
Oh, or "but my credit score. . . "
But I Needed new furniture!!
@@tear728Prayer is a form of manifestation, but no one's gonna mock that.
Not wanting to report assault because it would jeopardize their guard card and they might not be able to have guns is the most backwards gun opinion I’ve heard
Like even the biggest 2nd amendment gun nut would advise you to report him
Her ex must have dirt on her. She's great at shuffling blame, and debt around.
As someone with recovered alcoholic parents, she's either straight up lying or going to some sketchy place if they told her she could have a few drinks and cut herself off. Like pretty much every other drug addiction, alcoholism is a complete abstinence of consuming alcohol. Even one beer is considered a relapse. She has a horrible support system.
Religious centre. I'm betting mom and dad sent her there. As for abusive partner, was probably told by parents that thats a healthy relationship or "you made your bed , so lie in it.".
I don't advocate violence but her mother sounds slappable regarding advice. And she is ridiculously naive about stuff
Day 1 of asking Caleb to please specifically ask guests if they know what credit APR actually means. I really believe more than half of these guest don't understand what interest rates actually means month to month for them.
Facts
I saw on some old eps people say “so as I pay it off, the interest rate drops?” And it’s like no 😭 that’s not how it works
“I was supporting people buying motorcycles, and ATVs, and jet skis, and at 24% to 35% interest… and the people that called in always sounded happy.”
Not to be overly dramatic but this hits at the core of where we have gone so wrong. Temporary pleasures, living so fast with all these distractions, until it all falls down. The house of cards.
Indeed🎉🎉🎉🎉😮
Bingo. I remember back in the 00’s, my grandmother (HS dropout who was in her 80’s at the time) was talking about how ridiculous it is that people need to buy things on credit and how they should just wait until they have money. A spiritually whole woman critiquing a spiritually bankrupt population.
My grandparents were a single income household and neither graduated HS, and they were able to enjoy 20 years of retirement. Heavily because they didn’t buy crap that they couldn’t afford. Heavily because they didn’t need constant spikes of dopamine in order to exist on this planet
How is a 24% interest on a loan even legal?
@@DoritoBot9000payday loans are up to 600%
So the alcoholic, suicidal, super spender was abused, and that's the grounds for divorce?
Going to Europe on a new card, suing and being sued, totals a car.
Bad decisions are a character trait, nothing is her fault, "it could always be worse."
At what point do we acknowledge the common denominator?
I was thinking the same. This girl is a walking red flag.
I’m sure plenty of it did happen, however the lack of mentioning anything on her behalf, everything being someone else’s fault, throwing money she doesn’t have at whatever she feels like, saying her rehab program told her she could have a couple drinks, already being married and divorced at 22, then having a falling out with a roommate and breaking the lease? This girl clearly has terrible impulse control, can’t take responsibility and I’d even go as far as to say she either bends the truth or puts words in other peoples mouths in order to back her own logic up. I do feel bad for her for having to deal with all of this, however, she is absolutely a red flag magnet with plenty of her own red flags
Correct
Also saying several people physically abused her yet not reporting them, nah man that is something you need to do
The fact that she put someone's gun rights above herself and others is crazy to me.
Fantastic way to say it. That's Texas for you
@@rohitsaxena7213it’s not Texas, it’s the woman above. In Texas, domestic abusers are NOT allowed to own or carry guns. So her not reporting him is the reason. I live in Texas and have my license to carry. This is one of the test questions which is why I know
Putting others needs ahead of hers
She is probably being dishonest about some aspect of this story
Exactly. Someone who can’t keep their hands to themselves should not have a gun. Too many eventually use their guns to do harm or menace others, and that makes responsible gun owners look bad. Just like any right, responsibility comes with it too.
In security, bites face, owns gun, oh i don't want him losing his licence. Shouldn't own a firearm
Crazy. Domestic violence conviction restrict your 2A rights for a REASON.
@@dabrick100 I like guns, I wish I could own guns in the UK, but what upbringing did you have where someone assaults you and you're worried about their ability to work in security knowing they're a danger to society and carry a firearm. That's a bad, avoidable-potential situation.
it is hard to make someone you know closely lose their job. even when you know that they shouldn't have it. I can see how that can be tough
@gen1130 do agree but when it's potentially gonna lead to the harm of public, have to remove emotions from the situation. Easier said than done
@@gen1130 thing is friends aside, and assuming she didn't cause the or contribute to the situation and calls him a psycho in her own words, she isn't doing anything other than making him confront their actions and take responsibility
"If you can learn to only take one or two drinks..."
When I was in a counselling session, I remember our counsellor tell us, "Once you get to the point where you are drinking all the time where it becomes more than social drinking, there is no going back. There's no going back to the "I'm just going to be a social drinker again and have only a drink or two"...because that leads to more than one or two."
That always stuck with me.
💯
Just one more mcdouble won't hurt my bank account 💳 lmao
If shes being honest about her ex husband being a violent individual protecting his gun rights is absolutely bat shit insane
Because she’s lying and probably called the cops for no reason
She's just making shit up as she goes 😂😂
The dichotomy of Caleb being understanding and compassionate in the interview to absolutely ROASTING them in the thumbnail
It’s quite off-putting at this point.
She's going to have "It Could Be Worse" on her tombstone
"Could be cremated" 🤣
next to “At least I saw the olympics in Europe”
"It could be worse.... Let me show you how."
~Her and her family
I do process serving as a side gig and let me tell u, most ppl I serve are being served for not paying credit card companies. So yeah, they’ll take you to court for not paying.
As a recovering alcoholic who drank until black out almost all of my teenage/early 20's she is on the wrong path. When you're in that deep and think "just not blacking out" is staying on the wagon you're on a road to disaster. I have been completely sober for 10 years and have been able to address my mental health struggles in soberiety. I think she would benefit from that pathway but I don't think she is ready to accept any path that isn't hers... As you are seeing by trying to help her fix her finances.
Congrats on the 10 years!! That’s awesome 🎉
And I think you are right.
@@BzerkBnny Thank you! It has been the best decade of my life ❤️
Congrats on being clean that long!! Totally agree with your assessment as well. She does not look ready to ‘hear’ it.
For real, she needs someone to snatch the bottle out of her hands, not someone to give her leeway.
Rule of thumb: credit is only for people who don’t need it
Oh, the irony!!!
She works for a credit card company that pays for her to sue other people and credit "saved" her. Yet, she doesn't care about them???
Shameless 🤢
Edit one: Credit company pays for internet & gym membership too!!
She too worried about being a victim
She works for a credit card Company and is telling him that if you pay what you spend that money that month, you don't pay any interest. Credit card companies always applies all payments to the oldest debts (its in the fine print that no one reads). Also interest is calculated by adding the beginning and ending interest together and dividing it by 2. So even if you paid more than you spend, you still get an interest charge.
I mean they are part of her benefit package at work and a lot of work places offer both gym reimbursement and legal services. There are a lot of things problematic here, but using her benefits that are part of her compensation package ain't it
That's all part of the compensation transaction between employer and employee. There's no obligation to feel anything for them beyond the transactional.
Therapist and Borderline specialist here. Why the hell is your therapist $190 a week after insurance? My self pay cost is $150.
I guess it depends for each state? I'm genuinely asking
I wasn’t buying this part either, sounds like self pay…
She also said many other things that didn’t add up though…🤔🤔🤔
Thank you to Caleb and team for getting us so many episodes this week! I hope everyone in the community has a safe weekend.
You too!
Thanks! You too!
Seeing Caleb’s reaction to her merch purchase tells me all I need to know about him! You Caleb are the real deal! Anyone who tries to demean or drag this man’s name through the mud saying foolish things about him “taking advantage” of anyone is downright wrong. He genuinely cares. Good man Caleb, good man.
She told her ex-husband that she doesn't trust him with their finances. 24 debts later...
My ex tried to call me "financially abusing" for asking her to spend less when we were 25k in credit card debt. Got a divorce and even took on all of our debt on my own to get my leg out of that bear trap! 6mo after the divorce she bought a 30k car at 14.99% interest. I had never felt this validated in my life 😂
@@mithicash1444Good exit!!
If you're married and can't be trusted with finances, then divorce makes sense. A marriage is like a business partnership (plus love). You're supposed to be working towards the same decided mission.
Yeah that was.like 2min in. Major red flag. Zero financial accountability. Hes a city boi for leaving
@@talyahr3302unfortunately we haven’t gotten much info on who this STBXH actually is. Obv he doesn’t exactly sound like a winner. And who knows what the motivation to get married was when they were this unstable.
It blows my mind when someone comes on this show, has ruined themselves financially and still think they know better
You can see the genuine care he has in the way he handles guests dealing with mental health issues… I love this guy!
Please tell these people that being able to make a payment is not the same as being able to afford it.
"Rich people ask how much, broke people ask how much a month"
Exactly. The opposite is true.
If you can’t buy it RIGHT NOW, you cannot afford it. That simplicity has allowed me to start life in poverty and gain a positive net worth lol.
The condo isnt $200,000, its $600,000 or more after you pay it all off with interest over time
That broker should be in violation of something. We get mad at these ignorant kids that come on here but it’s the credit companies that are culpable. Makes my blood boil.
I work for a local Credit Union. After truly learning about interest and seeing peoples' financial situations and how they put themselves in their situation, I instantly cleaned up my act. I condensed my CC debt into a 3.99% personal loan and halved my vehicle loan to a 1.79% while shaving off a year during the refinance. I have since paid off my personal loan and am saving, while earning more interest than I am paying, to pay off my vehicle.
How do i get my 7.39% car loan to that that 1.79% interest 😮
@1openborder unfortunately you would have needed to get the loan in spring of 2022 when rates were crazy low 😞
@@Prestige_07 best i see on credit karma is refi for 5.39% but I’m just going to pay it off asap
If someone makes the choice to be physically violent in their daily life, they're knowingly making a choice to lose their right to own a firearm. Guilting others to keep their violence secret is cowardly.
Guns are not for people who have poor control over their emotions.
Exactly why felons cannot possess firearms.
So completely true. I'm a gun owner and an absolutist on the 2A, but the second you infringe on someone's rights you lose yours.
@@kalemmackey2917well said
this bit bowled me over - yes, absolutely report your abuser and get them fired. They should not be working in security or any other similar position.
@@kalemmackey2917my opinion on guns is if you legally are unfit to own a gun you should be locked up then.
This person is the living representation of the "this is fine" dog in the burning building.
I have been in her situation moving back and forth from one state to another, in complete financial disarray due to escaping, getting sucked back in, and escaping again an abusive relationship. It isn't easy. My heart goes out to her, I hope she heals and figures this out. I think this situation is more common than we think
Why go back to an abuser? This is a legitimate question. I do not understand.
I'm trying to live the "If you can't say anything nice, don't say anything at all." motto.
Good episode Caleb.
Out of all the episodes Caleb has done, this is one of them 🙂
Honestly there are a lot of social things you can do without drinking... esp in an outdoors-y place like colorado.
Yes there are just have to get creative. Eating before leaving the house helps too.
Yeah I thought that was pretty shallow for her to say. There’s so many things to do that don’t involve alcohol. It also takes initiative to find new ways to hang out with friends.
In the UK, they say people in their 20s are drinking far less than previous generations...so they must be finding other things to do
I applaud Caleb for going through with this. I can't imagine the pressure he felt after the statement was made "Your my last ditch effort before I blow it all up and give up" There was so much more behind that statement than just finances given the past self harm attempts
Idk it felt pretty manipulative. Something ain’t right about her.
@@Tallimme You won't get an argument from me about something not being right. haha
I'm turning 24 this month, been in recovery for 2.5yrs now. I really wish that hospital wouldn't have told her that it's "okay" to have one or two drinks. When you realize you're an addict/alcoholic.. any type of use will not help you in the short or long run. It alters your state of mind and that addict mentality is activated. Distracting you from what you really need to be focusing on in life.. finding ways of healing for yourself mentally, emotionally, spiritually, and physically. ❤️❤️ praying for her
I appreciate that Caleb was self aware enough to know ahead of time that doing an “exclusive drop” may drive the behaviors he’s desperately trying to get people to realize are killing them, BUT it’s not your fault people make stupid decisions!
I think her mindset just further highlights the way consumerism makes us think.. there has to be a mindset shift in all of us to avoid falling into those traps.
Your show has helped me be more conscious with my money, my gf and i both watch all the time. Bless you man
I’m an addict in recovery (2+ years), I’ve never struggled with alcohol only ‘rugs’. But ANY use of your substance is a relapse. One sip or one use, and someone with substance abuse will spiral. Please don’t listen to that hospital. You’ll have one drink, and think you’re fine and feel like you can have one more, and then one more, and then so on and now you’re blacked out. Please please please seek better counseling! You are strong ❤
Yes ind33d😊
DRUGS... It's not a cuss word.
Hopefully you recover fully and learn to use in moderation. Thinking it's impossible is part of the problem.
@@bagel_bandanna But still has carpets.
@ProGrainer Even if you're joking, it's not a bad idea to prove TRUE recovery. 😎
@ProGrainer lmao!! Just a little sniff