Honestly it seems like a random stole her identity. That happened to me, i think after a data breech at my job. So many people’s social security numbers are floating around.
@@somethingawesome1462right but they gave you ultimatums growing up so it’s time to give one to them, pay up or see ya in cuffs…..idc who you are if you steal my identity I will press charges
I started out 2023 with over 20k in debt. After watching Caleb's videos my goal was to be debt free by 2024. After saving 10k in my HYS account for my emergency fund. Now I only have 900 dollars left of debt. Almost there 🤞
Sharing some good news. Graduated with $80k in student loan debt and after about 2 years of working I’m down to $30k. Fingers crossed I’ll be done by end of next year
Lawyer here who used to do eviction defense. Landlord-tenant law is state specific. Some states do not allow for withholding of rent, some do but only with an escrow account, and some allow for rent withholding without the escrow account. Please please talk to a legal aid organization in the area where the property was and don't take advice from the internet from people in other states!!
Best advice here. Everyone wants to judge and give their own opinions in the comments. Always check the law according to your state and situation first.
your response lacks nuance. Tenants Unions are meant to protect tenants from slumlords and bad landlords. Tenants Unions make sure people (landlords and renters!) are aware of their rights, so neither gets taken advantage of. Tenants unions help tenants deal with unlawful evictions, building & unit issues, habitability issues.... @@Monkofthecaribbean
@@Monkofthecaribbean and when the living conditions are deplorable? Landlords are heavily protected while tenants have very few options. You know life isn't as simple as "just pay rent". I get it, there are tenants from hell, but there are also many landlords like that. Please move with more compassion and an open mind
Got my homemade sandwich, 2 mandarins and a yogurt drink with this video up for lunch break because Caleb said we cant afford to be eating out! This is the life! 😊
I have been bringing my lunch for an about 3 years now. BUT, I recently upped my game. I live in a rural area and the neighbor and I drove 45 minutes to go grocery shopping. I usually grab a bite to eat when I do this. This time…I put together a lunch from what I had left in the fridge and the cabinets. I made lunch for both of us. We stopped on some government land on the way home. I let my dogs run and we ate lunch and talked about fixing the world. Going forward, I will always take a lunch.
Cop here; if you have a tenant selling drugs in a building to the point that theres shootings AND the super refuses to evict them, the super is probably on drugs too
@@mikeweezy13231more likely the cop is right. Word spreads quickly about people moving out and why. Plus if you’ve been looking for a place for a while-you’ll notice a big place with rents going up.
@@phaedrapage4217 property owners will lose commercial insurance if they do not make efforts to curb illegal activity. The wallet usually dictates action.
Not a popular opinion, I work in the pet industry, and if you are in debt and low income, do not get a pet, you cannot afford it pets are expensive. Things always pop up and there’s always an emergency.
Caleb! Speaking as a Mother who claims my children as dependents on taxes every single year ...I PROMISE you that your Mom knows your social security number.
My dad died in 2008 and when I arrived at funeral home to make arrangements they had already run my credit… I was puzzled and they told me that my step mother literally pulled out the old tax returns and pulled my social security number off the return and gave to the gentlemen that came to collect my dad’s body!!!
Why would that matter? As a Swiss person it baffles me that that is all you need to open an account somewhere. What can you do when you know someone's middle name? Sign them up for the military for life? I need to go to the bank with my passport to open an account. They copy it and compare it to my signature. I imagine that some other things are checked as well. So strange, that knowing someone's social security number would have this impact.
@LissaDIY You don't even NEED that much to open an account in someone's name. When my mother in law died my husband was executor of the estate and opened up accounts for his niece and nephew for their inheritance when they reach 18. He tried to get their social security number from his brother, but his brother ghosted him (because his brother was cut out of the will). The bank said "it's OK, we don't need their social security number for you to open an account for them anyway"
One thing to note about the rental issue is that it is valid to not pay rent for issues that are not being completed, but you must hold the money in an account showing that you are able to pay rent after the complaints are resolved. Another item to note is that Colorado does not have a law requiring landlords to have air conditioners installed or maintained within the property, so that may be why lawyers are not taking on this case if that is the main reason for not paying rent.
That was my call out. You need to read your lease. If the rental included an AC, they must maintain whatever was in the rental to start with. But you need to put the money in savings or escrow. Or use a portion of it to remedy the situation. But you need to know the laws in your state, and municipality.
Yes but you must go through legal steps to get a court approval to use an escrow account. You cannot just pay rent into escrow without approval to do so.
@@penitent2401 no you can’t no landlord has the ac as part of the contract and all appliances are as is. Unless you live ina very hot area where ac is required by law you are not correct. Most contracts require no ac or appliances and they are convenience only due to tenant not taking care of it and using it to withhold rent.
Caleb if I may suggest: Your "Hammer Financial Score" should include a metric that grades the Income - Needs ratio. Daphne has 50% of her income available to her to tackle her debt or build wealth. That makes her real financial situation infinitely better than what many other guests have. But her Hammer score is just as bad as the others.
He should have a casual score for every day people trying to get out of debt, who need to budget, and ER fund is not fully funded etc and then an advanced one for people with no debt with an ER fund who are focusing on owning property, investing in retirement, saving, etc. otherwise most people just score basically a 0 and it's pointless
I really appreciate how Caleb can make his guests take accountability for their poor decisions but also recognize when he is pushing too hard and sympathize with them. Amazing skills 👍
She shouldnt have to though since its largely not her fault. As an african-american she is dealing with systemic racism and generational poverty. The government should be assisting with all of her expenses.
@@truebengalsfan The first thing to improve is to realize your faults. And Afro-americans were faulted seriously. They were targeted specifically and the least white people can do is pay them in arrears like they deserve. Look around you rn. None of this would have existed without them. Smart-phones, microwaves, flight, cars, modern medicine. All of these things are taken for granted yet none of the actually credit was properly given. Just look at poverty and crime stats. Afro-americans make up most of them because the environment they grow up in forces them to. Imagine being forced to be immoral after you have provided the world with so many technologies and art. Sometimes I look at my afro-american friends and ponder how they make it through the day knowing how much strife and struggle they have gone through, yet getting nothing but discrimination in a derogatory sense. Funnily enough, only they are strong enough to endure it. They are so resilient that even though they have given so much to the world, and been beaten down, for no reason, they still stand back up and HELP THE WORLD EVEN MORE! TBH, I married a white women when I was young (so dont fault me too much) but we just had a daughter and I am going to do my best to nudge her in the direction of having kids with someone other than white. I think if eventually the pure white race get bred out, there will be no more racism and everyone will be at peace. Just my 2 cents though.
My husband’s SS# was stolen & literally found out when contacted by the state of California regarding our state income tax return. We never lived in California, never had income there & also had a federal return filed long before our appointment with the accountant to file our federal & Michigan returns. Had a big mess to unravel, including cash advances on credit cards, a hit on our HELOC, etc, etc. Finally got our federal refund about six months later.
I love her. She's so cute. She reminds me so much of my best friend. Super calm and composed, but tears waiting to break through. Vulnerable for a minute. Then immediately back to explaining and collected. Her job pay, responsibilities AND being a single parent must be really hard. And she has still cried like 900% less than the last girl
She is tough as nails. Hiding in a closet with her child to escape gunfire? Extraordinary. May that be the rock bottom for her with all signs pointing up for both of them.
You can't just not pay rent. You have to pay into a side account and regularly notify them in writing of each and every problem, including police reports and use that in court to not pay rent. Doing it her way means she still has to pay.
When my husband and I were discussing our plan to tackle our debt these past 2 days, we kept saying “Well Caleb said to…” lol Caleb you are part of our little fam. Keep up the great videos. 🤗
Finally someone who cares about her finances more than or equal to how much Caleb cares! Usually they are flippant, blame shifters and never take accountability. She is a breath of fresh air.
I wasn’t expecting her to be as likeable as she is. She’s someone who could or might pull off a transformation. She’s got to get out of her location, get safe, and get her life on track.
Teaching assistants, especially for private school, are criminally underpaid. Even if they are paid for 40 hours they are often expected to work above and beyond.
@@Julia-b9xor we can compensate our educators fairly. One of the reasons there is a brain rot in this country is people like you telling educators to get stuffed and find a higher paying job.
Caleb there are a lot of free legal resources for consumer debt (including civil actions for unpaid rent) I currently work for an organization that gives free legal aid and representation at court dates for consumer debt cases. Having worked with clients in similar situations, there are legal defenses that can be used to help her case. A lot of these free resources work in conjunction with a law school but are still overseen by practicing attorneys
@@KylieeeP Hi the organization is free because there is a community need for legal representation in consumer debt case. The average debt per household in the US is over 100k. Legal defenses was not in reference to the condition of the apartment but rather technicalities involving how the lawsuit was brought about. Personal jurisdiction, process of service, and statue of frauds are just a few that may be able to get the suit dismissed under several civil procedure statues. I hope this explanation helps!
i was looking for a comment like this! i don’t know much but i have read about law schools offering free or reduced price legal assistance from law students like they do in the innocence project!
Daphne and anyone else out there. When you said that you checked in to getting an attorney and they said wouldn't be able to do it until x date. Please keep in mind for the future that you have the right to legal counsel, and you can always write the court and file a request for a later court date due to your attorney not being available until y date.
In most states a defendant in a civil trial is not guaranteed a lawyer. If you can't find one or afford one, then you go without legal representation. You are only guaranteed an attorney in a criminal trial.
Way to necro an old comment. If I remember the context of this correctly the issue was booking an attorney in time for court. If you are trying to get representation and you cannot by a court date most judges will give you a continuation until you can book an attorney if you ask for one, even in a civil case.
I was heart broken hearing about her identity being stolen, potentially by someone she knew. Never assume other people take your financial wellness at heart because most will take advantage 😕
I'm using my Metlife Legal right now. I'm a nurse and a previous hospital employer is suing me for medical debt when their billing department wouldn't discuss the bill with me three years ago.
I have high hopes for you, Daphne! You can do it, you seem like you've got a good head on your shoulders. Really appreciated this episode after a string of guests who at best didn't care at all, and at worst were manipulative liars. This episode was a breath of fresh air!
My sister was able to get ahold of my social security number and she opened up credit cards and had some of her utilities under my social. I would have never known it was her but I discovered her address from something she shipped to herself. It can happen and it sucks. I hope this isn't the case for her and I hope she can get any fraudulent charges removed.
@lowkey276 I cut contact with her for years until our dad got sick in 2017, and we reconnected through that. But, she recently did the same thing to my nephew, and now the whole family has cut ties with her. It's sad, really.
@@nicknacks7824 Damn, I hope you're okay. I couldn't imagine if my sister did that to me (although she owes me 25000$ for a car I gave her that she will definitely pay back one day-it's been ten years).
I was going over a debt that went into collections and my lawyer pulled up my credit report. He listed off all of these accounts that were def not mine. I was freaking out (I was a victim of a rental scam in 2010). Come to find out after calling all of the companys the account were from...it was all one of my sisters debts/credit accounts/loans/etc. I don't know how they got crossed and why they showed up when he pulled my credit report...i don't see any of them when I run my report myself. Weird and weird.
1) ALWAYS get a written acknowledgment of receipt of keys on behalf of the landlord. 2) Colorado does have a tenants’ rights advocacy. 3) a Stipulation is an agreement by both parties as to the statements of facts…it’s not a judgement. 3) petition the court for a copy of any Judgment that was signed by the judge. 4) if you don’t sit on this, you should be able to get this cleared up quickly, if what you state here is accurate. 5) if you decide not to pay rent because the landlord is in violation of any ordinances, you need to put the withheld rent payments in an escrow account. Then the judge will see that you are not just looking for an excuse to not pay rent.
@@Rocket9944do you have any idea how much AC repairs costs? My AC was repaired this summer, not replaced, and it was $4k. Replacement was quoted at $10k. And that was in CO. Plus tenants aren’t allowed to just repair things, that’s the landlords responsibility. That house in CO that we repaired the AC in, is now a rental. And as the owner we are responsible for all repairs and nothing can be repaired without my/my husband’s approval. I’ve also rented and was not allowed to make repairs, you have to sign the line in the contract that states you aren’t allowed.
I empathize with this girl. I had a similar crap apt complex that I lived in. They went through 3 different new management companies while I was there for only 1 year. When they switched they killed the website, phone lines, email, etc. With no way of contacting them with any issues you had. It was winter and our heat was out for over a month. Could not contact anyone for help because there was nobody in the office. It’s sad how many apartments have poor management
I don’t. She is full of excuses, chose to be a single mother, chose to live where she is, chose to not pay rent, even has a dog with no money. She’s a typical woman looking for a handout. She deserves everything coming
@@Intellectualchaosdepends. Sometimes depending on what not working, eg heating, water, if the house/apartment is not liveable you should contact a lawyer before you make the decision to withhold rent.
I like that he's not yelling so much, and legit trying to understand the situation. I'd love to see some follow ups for a few of these as they take their next steps, or do a financial plan check-up.
"Come get yelled at by Caleb." and we have our slogan right there. All the best to this young lady. She has the power to get herself out of this and years to do better.🐧
Austin-area CPA here. Tax-related identity theft and fraudulent tax returns are a very widespread problem, but we don’t usually find that it’s a family member involved. It’s usually a phishing text or email or call or via mail theft.
Im still early in the video but I’m so happy she seems like a person with normal housing issues and isn’t talking in crazy circles about how she got fed up and did the only thing she felt she could do to send a message. Sometimes it’s the correct legal action to take when your landlord is neglectful.
Lawyer here. I don’t practice in Colorado, but the judge’s office cannot give you legal advice and cannot have ex parte communications. You can file a motion in court, but must give the other side the opportunity to respond. I haven’t finished watching this episode, but a stipulated judgment means she agreed to a judgment. It’s basically a contract that has the force of a judgment (so the other side could collect/enforce as if it had a judgment). Just general note never to sign anything like that without reading and understanding it.
I'm definitely not a lawyer, but isn't a stipulated judgement a conditional judgement? I'd assume something like that would be that she's out of the remainder of the lease early on the condition that she pays the back rent.
Not necessarily. A stipulated judgment just means the parties have agreed to the judgment. It may or may not be conditional depending on the terms of the stipulation.
@@JennyH-io8ti Gotcha, so the "stipulated" part has nothing to do with the contents of the judgement, its just denoting that both parties agreed to the outlined contract as opposed to it being a ruling passed by the court devoid of both/either party's input; if I'm understanding correctly.
Caleb and Daphne - check into UT Law School's clinics. I'm a (non-practicing) lawyer and used to attend and work at UH Law Center, and we had clinics who took clients who couldn't pay. The law students take the cases and are supervised by professors/practicing attorneys. Definitely worth a shot as landlord/tenant stuff is a pretty common issue.
Great episode - been following you since 40k - She seems like a kind woman who has been repeated taken advantage of by different systems and is stuck in the spiral of poverty. You gave her fantastic advice throughout! Looking forward to the followup 🔥
I love the advice y'all give on charity; help yourself before you help others. When you're on a plane they tell you to put your own oxygen mask on before helping others because if something happens to you you can't help others
My heart goes to the entire community for PbatesLTD building up something even my grandpa can understand. This is so smart by them to launch it to shatter the doubts and fears of the common folk which is not even correct to begin with. Everyone knows the state of inflation and recession now and the way out is already in progress. Now it's just about catching the big fish
I remember for me i stopped paying rent because I had no money and moved back in with my mom. I ended up not paying it and then almost a year later they sent it to collections. Definitely not my smartest move.
The number of times hinge was mentioned 🤣 wishing the best for her AND Caleb on hinge 🤞 -and of course her with finances. She seems serious and ready to make the changes ❤️
As someone who has worked in the apartment industry there is a lot unknown about the situation below her. Unfortunately there are states that make it almost impossible to evict someone for behavioral issues vs rent issues. I'm not saying the complex did everything right, just showing and unfortunate side of the business.
It’s especially rough in Texas. The law very clearly favors the landlord. I had a similar situation and had to basically beg, plead, cry, constantly call them, to get out of the lease. The apartment was roach infested with drug addicts all around/in the property. I was a 23 year old living in a new state away from all friends and family. Some of the hardest months of my life 😢
You get what you pay for. If you living in the cheapest area your neighbors are trash and you got to get used to it or get a roommate in a nicer area or a better job. This is reality
Guest is from Denver. Bad neighbor could be dealing drugs and dealers can get lawyers to delay evictions for months even years. I bet the criminals do not clean after themselves leading to rodents. Meanwhile good neighbors have to live next to them. Glad she moved out.
britney@@ kinda seems like your blaming your landlord for your mistakes here. the landlord doesn't want to have roaches in their building or violent tenants. They need to take responsibility for their apartment and you need to take responsibility for your negligence.
I had 2 senior dogs and a puppy. Puppy (who is now 1.5) has pet insurance because of the 2 senior dogs. She's already had a covered surgery that has payed for our pet insurance for the next 7 years if it never covers anything else. On top of that I had to put one of my senior dogs down last week because we had to weigh the financial risk of spending a few thousand dollars on something that may not have worked and ultimately it just didn't make sense with his age and other health issue and he was struggling to breathe without getting the expensive treatment. THAT alone is enough reason for me to always have pet insurance. For only like $25 a month I wouldn't be crying while i write this wondering if the expensive treatment would have worked and he'd still be here.
I really hope Daphne is doing well. She seems like she will actually take his advice. She really needed some good counsel and I'm so glad Caleb was able to advise her, she has made a lot of mistakes due to naivety or just over-extending herself. I would love to see a follow up if possible!
I honestly feel her with the rent situation. I got screwed for a place in Austin where they made the apartment look and sound great, but it was actually roach infested, drug addicts on on the property, water leaks etc. I never actually moved in, but I was on the hook for the rent for months (so paying double rent because I had to get a new place). Some of the worst months of my life. Finally was able to negotiate out of the lease. This was a while ago but I think I also stopped paying rent at some point. Luckily they didn’t put it in collections.
@@ThisDudeYooToobsthey did not disclose that the apartment was infested with roaches and that I could be stabbed walking out my door. TBH I’d also prefer to have money in collections than potentially get killed or robbed, while eating roach cereal for breakfast.
@@somethingawesome1462 I was 23 at the time, first year living alone, in a state I had to move to for work, with no friends or family. I had no idea what I was doing. With what I know now, I definitely would have fought it more. Luckily they just let me go after I think 3-4 months, when they got new management.
I seem to hear over and over on those show that people make a bad car purchase after they have an accident and their car is totaled. They seem to feel so desperate to immediately get a car, I’m also guessing that they tell the car salesperson their situation which makes them an easy target for an overpriced car with a predatory loan 😢 Can we tell people that it is okay to rent a car for a month or two while they research and make a less desperate decision? Obviously not an option for anyone under 25. Caleb, you crack me up about saying you don’t think your mom knows your SSN 😂 As a mom of 2, I can almost guarantee she knew all your vital info. Growing up, she would have used it countless times when registering you for school, seeing a doctor, etc.
I’m a dividend investor, My husband and I have invested in the S&P500, both through my TSP with the government, and through fidelity in her 401-k. Cashed out 270k from the S&P and invested with a Financial adviser, Monica Mary Strigle and we also bought few properties at the right time. Until around 3 years ago we were 100% in the s&p after over 30 years. I’m retiring at the end of this month at 62, while my wife will retire next year at 60. We currently have 3.7 million in our tax deferred savings. I am putting this out there for anyone looking for how to help themselves in this time of crisis.
She needs to apply for the SAVE income based student loan repayment plan bc her payments will likely be zero and the interest will be waived so the balance will not increase for as long as she continues to qualify.
For beginners, it's important to recognize that this scenario is overly simplified. Firstly, obtaining a mortgage for an investment property typically requires a minimum down payment of 25%. Secondly, while it's relatively easy to find comparable house purchase prices, understanding rental price comps requires extensive research. The challenge lies in identifying areas where renting is more expensive than buying, although such opportunities are less common due to this very dynamic. Thirdly, it's crucial to remember that the rental figure mentioned should represent net income, not gross. Therefore, one must consider expenses such as taxes, insurance, maintenance, and vacancy when evaluating investments. Despite these complexities, real estate investment remains a valuable tool for accumulating wealth, albeit not without its risks.
Very soon, affordable housing will no longer be affordable. So anything anyone want to do, I will advise they do it now because the prices today will look like dips tomorrow. Until the Fed clamps down even further, I think we're going to see hysteria due to rampant inflation. You can't halfway rip the band-aid off.
Home prices will come down eventually, but for now; get your money (as much as you can) out of the housing market and get into the financial markets or gold. The new mortgage rates are crazy, add to that the recession and the fact that mortgage guidelines are getting more difficult. Home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes.If you are in cross roads or need sincere advise on the best moves to take now its best you seek an independent advisor who knows about the financial markets.
I gave a 60 days notice to move out and also gave them my keys when I moved out. Months later I get a call from a collection agency saying that I owe a whole lot of money! I called that old apartment and they said I didn't give a 60 day notice. I immediately left work, found my receipt from that 60 day notice, and took it straight to their office! They were like "oh, well you also didn't turn in your keys." TF I didn't! I got them to drop those charges against me. But take this as a lesson that these apartments will lie and try to pull one over on you, so always keep receipts!
I just want to give her a big hug. Daphne, please take his advice and stick to the plan. You're going to look back at this time and be thankful that you came on the show. Most people wouldn't have the guts to have someone dissect their finances.
Daphne - you are going to absolutely rock this!!! Kudos to you for being on the show and sharing your journey, being an amazing mother, and for being involved with developing so many littles lives. ❤❤❤ Cannot wait to see you on a follow-up episode. This was fantastic!!!
In florida I had to leave a complex because they didn't take black mold and roach infestation seriously. Which for an asthmatic are double whammies. Not only the upstairs neighbor confirmed conditions of their unrepaired leaks that trickled down to my unit, but also a beautiful black moldy wall and slime behind our fridge. Left without paying the lease breaking fee. Never regretted it.
Wow, I'm about halfway through this video, you actually got through to this one. Give yourself some credit for knowing when to step back and say you were going a little too hard. I imagine it can get hard to stay human when analyzing some of these situations.
You should do a new video about Pbatesltd ! I really like you’re mellow delivery and you seem like you’re very knowledgeable. I watch lots of influencers and you always seem very calculated and know exactly what you’re talking about and understand it. You’re better at explaining complicated things simply, than any other person on youtube keep it up brother!
If you got rats in the wall, trap house in the building, shooting, police frequently coming, and management unresponsive. It’s low income. All the low income residents I have come across has had one or two or all of the same issues.
No. Low income has to do with rent charged not the quality of housing. It's indicative of a slum lord. However rent charged could have been market rates.
@mr.anthropology3277 no I've lived in Colorado 21/27 years of my life never experienced this. My friends still live in Denver and don't experience this one lives in Denver and one lives outside Denver. She likely lived in a high crime area which is generally low income.
@@meganmarie4289 I live in Colorado and this is just how it is where there is no housing options. If you have money to buy a house you can avoid this but if you rent most places don't care anymore whether they have to make it livable or not. We had a landlord that refused to fix a mice problem and then also took four months to fix our heat in the middle of winter.
She was iffy at first but I wish her allllll the best! Held her responsible and she ended up taking some accountability and will hopefully get out of this mess soon for her and her child’s sake :) so refreshing
I started 2022 with 230k debt, with PSLF (I was paying $1440 a month for years, and did 27 years working for social services) and paying chunks on my bills I’m now down too 35k…
In the last six months I paid off $125 in personal debt, $600+ in a title loan, and $500 in legal fees. I'm now saving up to settle a debt that's gone to collection and am on top of all my monthly payments otherwise. It's slow but good progress, and Caleb is the one who inspired me to do it!
seems like the apartment complex was trying to set up a claim that she violated the court order by not being out in time and bill her anyway, whereas hopefully she was out in time with proof. I'm not sure if it's wise to contact the court without representation, I don't know.
That’s insane. $22 a hour for a job that requires all those certifications/licenses/training/degrees etc. you can get jobs paying $25 a hour with nothing but a diploma.
I’ve got a friend making $22 just doing basic security. It took him a year to work his way up, but he says it’s insanely easy to keep getting raises bc of the turnover. She obviously doesn’t mind babysitting… and if you get into real salaried management positions, it’s like 70k+
Btw not a common thing for houses in colorado to be built with a.c Directly from rental bylaws Functioning heating facilities that are in good working order and that complied with the applicable building codes when they were installed. (NOTE: There is no requirement that the landlord provide air conditioning or cooling systems of any sort)
Im willing to bet Caleb mom does know caleb social. Its part of being a parent. You need to fill out official documents for your child, you end up learning it. Really confused why he thinks his mom wouldn't know it
Yeah, this part tickled me. I don't have my children's SSNs memorized (yet), but I have their cards. (They're young--nowhere near adulthood.) I have to provide it multiple times a year for taxes and other forms. I know my mother had mine memorized by the time I was in grade school.
Caleb, thanks for sharing SoFi with us! Signed up and now I’m making 4.60% on my emergency fund 😎😎
WOOT WOOT
How much do you earn if I had 3000 dollars?
@@techyin3264.60 for every 1000 per month.
@Jack-fr9bk is it insured?
@@beefy45insured up to 5 million
Just a reminder for everyone, even if it's your family who opens credit accounts in your name, that's still identity theft.
Honestly it seems like a random stole her identity. That happened to me, i think after a data breech at my job. So many people’s social security numbers are floating around.
The issue with that and why a lot of people don’t pursue anything bc you have to report your parents for fraud.
@@somethingawesome1462right but they gave you ultimatums growing up so it’s time to give one to them, pay up or see ya in cuffs…..idc who you are if you steal my identity I will press charges
@somethingawesome1462
Yes! That van be emotionally hard on people.
How you gonna get the police involved with family matters that's a big no no for many people.
I started out 2023 with over 20k in debt. After watching Caleb's videos my goal was to be debt free by 2024. After saving 10k in my HYS account for my emergency fund. Now I only have 900 dollars left of debt. Almost there 🤞
You are doing it!! I hope you feel so proud of yourself 🎊
Congrats!
Good job
HE CHANGED MY LIFE TOO!!!
Pay that shit! Your 5% isnt beating the 28% interest lol
Sharing some good news. Graduated with $80k in student loan debt and after about 2 years of working I’m down to $30k. Fingers crossed I’ll be done by end of next year
You got this!!
Yay!!!! Good job
Wow, that's amazing. Congratulations on your progress so far and keep going.
We’re proud of you
Woah!!! Good job!
Lawyer here who used to do eviction defense. Landlord-tenant law is state specific. Some states do not allow for withholding of rent, some do but only with an escrow account, and some allow for rent withholding without the escrow account. Please please talk to a legal aid organization in the area where the property was and don't take advice from the internet from people in other states!!
Best advice here. Everyone wants to judge and give their own opinions in the comments. Always check the law according to your state and situation first.
@@GetOfflineGetGoodWe dont need tenant unions lol wtf. Just pay your rent and if you dont you get evicted. Its as simple as that.
your response lacks nuance. Tenants Unions are meant to protect tenants from slumlords and bad landlords. Tenants Unions make sure people (landlords and renters!) are aware of their rights, so neither gets taken advantage of. Tenants unions help tenants deal with unlawful evictions, building & unit issues, habitability issues.... @@Monkofthecaribbean
@@Monkofthecaribbeanfound the landlord, bozo
@@Monkofthecaribbean and when the living conditions are deplorable? Landlords are heavily protected while tenants have very few options. You know life isn't as simple as "just pay rent". I get it, there are tenants from hell, but there are also many landlords like that. Please move with more compassion and an open mind
Got my homemade sandwich, 2 mandarins and a yogurt drink with this video up for lunch break because Caleb said we cant afford to be eating out! This is the life! 😊
Amen. 🎉
Awesome!! So much better for you than eating out 😊 Congratulations on being smart and investing in yourself!
I have been bringing my lunch for an about 3 years now. BUT, I recently upped my game. I live in a rural area and the neighbor and I drove 45 minutes to go grocery shopping. I usually grab a bite to eat when I do this. This time…I put together a lunch from what I had left in the fridge and the cabinets. I made lunch for both of us. We stopped on some government land on the way home. I let my dogs run and we ate lunch and talked about fixing the world. Going forward, I will always take a lunch.
Me eating eggs instead of getting whataburger 😂😂
Literally same with my homemade tacos lol
Cop here; if you have a tenant selling drugs in a building to the point that theres shootings AND the super refuses to evict them, the super is probably on drugs too
Or they want them there to force ppl out early to jack the rent up.
@@mikeweezy13231more likely the cop is right. Word spreads quickly about people moving out and why. Plus if you’ve been looking for a place for a while-you’ll notice a big place with rents going up.
And it's not that hard to write it in to the lease so those tenants are easy to evict!
@@phaedrapage4217 property owners will lose commercial insurance if they do not make efforts to curb illegal activity. The wallet usually dictates action.
I am crossing my fingers that this person is serious about her finances. We need a win on this channel!
I really didn't like the last one she had such a victim complex and the crying she would just turn it on and off
@@wordsalad01yeah that last episode was so painful to watch.
30 min in and not looking good
So when are you joining the show, winner? It could just be based on content creator deep dive and share advice (streaming and video sharing)
From what I've seen in the comments and from what Caleb says, he is only looking for people struggling with finances! @@dotProcess
Not a popular opinion, I work in the pet industry, and if you are in debt and low income, do not get a pet, you cannot afford it pets are expensive. Things always pop up and there’s always an emergency.
Yeah boy. My last emergency vet bill was around $4000. Just yearly exam and shots will be over $100. Food is expensive. Flea treatment is expensive.
Yeah, not everyone has to have a pet. I've never had one even though I adore animals. I know it's not possible to fit one into my life.
yeah shots alone are anywhere from $70-300
What if I need an emotional support animal?
@@Samurai-zh1jf I’m sure there are programs that can provide an alternative option
Caleb! Speaking as a Mother who claims my children as dependents on taxes every single year ...I PROMISE you that your Mom knows your social security number.
My dad died in 2008 and when I arrived at funeral home to make arrangements they had already run my credit… I was puzzled and they told me that my step mother literally pulled out the old tax returns and pulled my social security number off the return and gave to the gentlemen that came to collect my dad’s body!!!
@@Marie99999990that is horrific 😭😭 I would be so appalled.
Why would that matter? As a Swiss person it baffles me that that is all you need to open an account somewhere. What can you do when you know someone's middle name? Sign them up for the military for life? I need to go to the bank with my passport to open an account. They copy it and compare it to my signature. I imagine that some other things are checked as well. So strange, that knowing someone's social security number would have this impact.
@LissaDIY You don't even NEED that much to open an account in someone's name. When my mother in law died my husband was executor of the estate and opened up accounts for his niece and nephew for their inheritance when they reach 18. He tried to get their social security number from his brother, but his brother ghosted him (because his brother was cut out of the will). The bank said "it's OK, we don't need their social security number for you to open an account for them anyway"
Most parents can be trusted to not screw over their kids. Not stealing from your kids is a super low bar.
Caleb, thank you for having a normal episode sincerely
You’re welcome
One thing to note about the rental issue is that it is valid to not pay rent for issues that are not being completed, but you must hold the money in an account showing that you are able to pay rent after the complaints are resolved. Another item to note is that Colorado does not have a law requiring landlords to have air conditioners installed or maintained within the property, so that may be why lawyers are not taking on this case if that is the main reason for not paying rent.
That was my call out. You need to read your lease. If the rental included an AC, they must maintain whatever was in the rental to start with. But you need to put the money in savings or escrow. Or use a portion of it to remedy the situation. But you need to know the laws in your state, and municipality.
Lol, exactly. And people just use that as an excuse to spend the money elsewhere and get fucked over. No sympathy for them.
Yes but you must go through legal steps to get a court approval to use an escrow account. You cannot just pay rent into escrow without approval to do so.
Yeah, if the AC is broken and they are slow to repair it, you can have it repaired yourself and deduct that cost from rent.
@@penitent2401 no you can’t no landlord has the ac as part of the contract and all appliances are as is. Unless you live ina very hot area where ac is required by law you are not correct. Most contracts require no ac or appliances and they are convenience only due to tenant not taking care of it and using it to withhold rent.
Caleb if I may suggest: Your "Hammer Financial Score" should include a metric that grades the Income - Needs ratio. Daphne has 50% of her income available to her to tackle her debt or build wealth. That makes her real financial situation infinitely better than what many other guests have. But her Hammer score is just as bad as the others.
Good idea. Essentially this is like a "financial potential" / "possible outlook" metric.
or could score for how long the Bai out plan takes and how old they are ie- retirement v walmart deadline
He should have a casual score for every day people trying to get out of debt, who need to budget, and ER fund is not fully funded etc and then an advanced one for people with no debt with an ER fund who are focusing on owning property, investing in retirement, saving, etc. otherwise most people just score basically a 0 and it's pointless
I really appreciate how Caleb can make his guests take accountability for their poor decisions but also recognize when he is pushing too hard and sympathize with them. Amazing skills 👍
He don't push that hard most people could not mentally take it
She shouldnt have to though since its largely not her fault. As an african-american she is dealing with systemic racism and generational poverty. The government should be assisting with all of her expenses.
@@DG-kr8ptpeople with your mindset is why some people will never improve
@@truebengalsfan The first thing to improve is to realize your faults. And Afro-americans were faulted seriously. They were targeted specifically and the least white people can do is pay them in arrears like they deserve. Look around you rn. None of this would have existed without them. Smart-phones, microwaves, flight, cars, modern medicine. All of these things are taken for granted yet none of the actually credit was properly given. Just look at poverty and crime stats. Afro-americans make up most of them because the environment they grow up in forces them to. Imagine being forced to be immoral after you have provided the world with so many technologies and art. Sometimes I look at my afro-american friends and ponder how they make it through the day knowing how much strife and struggle they have gone through, yet getting nothing but discrimination in a derogatory sense. Funnily enough, only they are strong enough to endure it. They are so resilient that even though they have given so much to the world, and been beaten down, for no reason, they still stand back up and HELP THE WORLD EVEN MORE! TBH, I married a white women when I was young (so dont fault me too much) but we just had a daughter and I am going to do my best to nudge her in the direction of having kids with someone other than white. I think if eventually the pure white race get bred out, there will be no more racism and everyone will be at peace. Just my 2 cents though.
My husband’s SS# was stolen & literally found out when contacted by the state of California regarding our state income tax return. We never lived in California, never had income there & also had a federal return filed long before our appointment with the accountant to file our federal & Michigan returns. Had a big mess to unravel, including cash advances on credit cards, a hit on our HELOC, etc, etc. Finally got our federal refund about six months later.
I love her. She's so cute. She reminds me so much of my best friend. Super calm and composed, but tears waiting to break through. Vulnerable for a minute. Then immediately back to explaining and collected. Her job pay, responsibilities AND being a single parent must be really hard. And she has still cried like 900% less than the last girl
She is tough as nails. Hiding in a closet with her child to escape gunfire? Extraordinary. May that be the rock bottom for her with all signs pointing up for both of them.
She’s makes poor choices.
She makes bad choices.
You can't just not pay rent. You have to pay into a side account and regularly notify them in writing of each and every problem, including police reports and use that in court to not pay rent. Doing it her way means she still has to pay.
"But my feelings! I did it all wrong but I feel like I shouldn't pay!"
Would an escrow account work for this situation?
sooooo many Judge Judy cases like this....
@@ll2323Yeah that’s the requirement for most cases.
I think you first go to court and then start paying into side account if permitted by the court..
When my husband and I were discussing our plan to tackle our debt these past 2 days, we kept saying “Well Caleb said to…” lol Caleb you are part of our little fam. Keep up the great videos. 🤗
awwwww
Bwahaha
After the last few weeks...I think this one was easier on every nerve in my body and on Caleb's brain and emotions.
Yeah lol
Yes! I didn't have to take an Advil this time.
Monday’s episode this week was unbelievable 🙄
Finally someone who cares about her finances more than or equal to how much Caleb cares!
Usually they are flippant, blame shifters and never take accountability.
She is a breath of fresh air.
I wasn’t expecting her to be as likeable as she is. She’s someone who could or might pull off a transformation. She’s got to get out of her location, get safe, and get her life on track.
Teaching assistants, especially for private school, are criminally underpaid. Even if they are paid for 40 hours they are often expected to work above and beyond.
Then she should get another job
@@Julia-b9xor we can compensate our educators fairly. One of the reasons there is a brain rot in this country is people like you telling educators to get stuffed and find a higher paying job.
@@Julia-b9x- Then who will teach our school children?
@@Julia-b9xexactly!!
@@nawardinglolshe is not a teacher. Glorified baby sitter. TAs have 0 skill and knowledge deserving or l of that kinda pay. Teacher > TA
Caleb there are a lot of free legal resources for consumer debt (including civil actions for unpaid rent) I currently work for an organization that gives free legal aid and representation at court dates for consumer debt cases. Having worked with clients in similar situations, there are legal defenses that can be used to help her case. A lot of these free resources work in conjunction with a law school but are still overseen by practicing attorneys
@@KylieeeP Hi the organization is free because there is a community need for legal representation in consumer debt case. The average debt per household in the US is over 100k. Legal defenses was not in reference to the condition of the apartment but rather technicalities involving how the lawsuit was brought about. Personal jurisdiction, process of service, and statue of frauds are just a few that may be able to get the suit dismissed under several civil procedure statues. I hope this explanation helps!
i was looking for a comment like this! i don’t know much but i have read about law schools offering free or reduced price legal assistance from law students like they do in the innocence project!
Daphne and anyone else out there. When you said that you checked in to getting an attorney and they said wouldn't be able to do it until x date. Please keep in mind for the future that you have the right to legal counsel, and you can always write the court and file a request for a later court date due to your attorney not being available until y date.
In most states a defendant in a civil trial is not guaranteed a lawyer. If you can't find one or afford one, then you go without legal representation. You are only guaranteed an attorney in a criminal trial.
Way to necro an old comment. If I remember the context of this correctly the issue was booking an attorney in time for court. If you are trying to get representation and you cannot by a court date most judges will give you a continuation until you can book an attorney if you ask for one,
even in a civil case.
I think this is the guest I want to succeed the most in over a year of watching your show. Good luck to her
I was heart broken hearing about her identity being stolen, potentially by someone she knew. Never assume other people take your financial wellness at heart because most will take advantage 😕
ah, I assumed it was the guy who put a baby in her and ran 6 years ago...
@@danielponder690Or her sketchy neighbors stole her mail. 🤷🏻♂️
Every year I pay for legal insurance through work and every year I wonder "why, nothing happens". But, given this episode, i'mma hang on to it.
that's cool that your work offers that. my job has amazing benefits but nothing like legal insurance
Definitely keep it. I’ve used mine for a few things now. Well worth it.
that's awesome!
It paid for itself when a co-worker suddenly needed to divorce her abusive husband.
I'm using my Metlife Legal right now. I'm a nurse and a previous hospital employer is suing me for medical debt when their billing department wouldn't discuss the bill with me three years ago.
I have high hopes for you, Daphne! You can do it, you seem like you've got a good head on your shoulders.
Really appreciated this episode after a string of guests who at best didn't care at all, and at worst were manipulative liars. This episode was a breath of fresh air!
I really am rooting for this lady. She seems totally cool and I hope she comes back on crushing the goals!
My sister was able to get ahold of my social security number and she opened up credit cards and had some of her utilities under my social. I would have never known it was her but I discovered her address from something she shipped to herself. It can happen and it sucks. I hope this isn't the case for her and I hope she can get any fraudulent charges removed.
Damm! I hope you cut contact with her, that's demonic 😮
@lowkey276 I cut contact with her for years until our dad got sick in 2017, and we reconnected through that. But, she recently did the same thing to my nephew, and now the whole family has cut ties with her. It's sad, really.
@@nicknacks7824 Damn, I hope you're okay. I couldn't imagine if my sister did that to me (although she owes me 25000$ for a car I gave her that she will definitely pay back one day-it's been ten years).
I was going over a debt that went into collections and my lawyer pulled up my credit report. He listed off all of these accounts that were def not mine. I was freaking out (I was a victim of a rental scam in 2010). Come to find out after calling all of the companys the account were from...it was all one of my sisters debts/credit accounts/loans/etc. I don't know how they got crossed and why they showed up when he pulled my credit report...i don't see any of them when I run my report myself. Weird and weird.
You’ve got this Daphne! We’re rooting for you! 🥳
FYI if you ever have a dispute where you are withholding rent, PUT THE RENT IN AN ESCROW ACCOUNT!
1) ALWAYS get a written acknowledgment of receipt of keys on behalf of the landlord. 2) Colorado does have a tenants’ rights advocacy. 3) a Stipulation is an agreement by both parties as to the statements of facts…it’s not a judgement. 3) petition the court for a copy of any Judgment that was signed by the judge. 4) if you don’t sit on this, you should be able to get this cleared up quickly, if what you state here is accurate. 5) if you decide not to pay rent because the landlord is in violation of any ordinances, you need to put the withheld rent payments in an escrow account. Then the judge will see that you are not just looking for an excuse to not pay rent.
But let's be real... she has no intention of paying.
Or she could have threw a few bucks into the AC and moved on with her life instead of being a professional victim
@@Rocket9944do you have any idea how much AC repairs costs? My AC was repaired this summer, not replaced, and it was $4k. Replacement was quoted at $10k. And that was in CO. Plus tenants aren’t allowed to just repair things, that’s the landlords responsibility. That house in CO that we repaired the AC in, is now a rental. And as the owner we are responsible for all repairs and nothing can be repaired without my/my husband’s approval. I’ve also rented and was not allowed to make repairs, you have to sign the line in the contract that states you aren’t allowed.
@@mnb1988 , 🙄
@@mnb1988lol dude she has a 1 bedroom buy a window ac. Seriously worthless generation with no morals.
I empathize with this girl. I had a similar crap apt complex that I lived in. They went through 3 different new management companies while I was there for only 1 year. When they switched they killed the website, phone lines, email, etc. With no way of contacting them with any issues you had. It was winter and our heat was out for over a month. Could not contact anyone for help because there was nobody in the office. It’s sad how many apartments have poor management
And they get away with it.
Ugh for real it's so infuritating, the last apartment I was in had a german roach problem and my AC was out for 4 months
Pay your rent. The average person doesn’t like their apartment! No excuse !
I don’t. She is full of excuses, chose to be a single mother, chose to live where she is, chose to not pay rent, even has a dog with no money. She’s a typical woman looking for a handout. She deserves everything coming
@@Intellectualchaosdepends. Sometimes depending on what not working, eg heating, water, if the house/apartment is not liveable you should contact a lawyer before you make the decision to withhold rent.
I like that he's not yelling so much, and legit trying to understand the situation. I'd love to see some follow ups for a few of these as they take their next steps, or do a financial plan check-up.
"Come get yelled at by Caleb." and we have our slogan right there. All the best to this young lady. She has the power to get herself out of this and years to do better.🐧
You can talk to a lawyer and possibly withhold rent payment but you should still save the rent payment in a separate account just in case.
Austin-area CPA here. Tax-related identity theft and fraudulent tax returns are a very widespread problem, but we don’t usually find that it’s a family member involved. It’s usually a phishing text or email or call or via mail theft.
Im still early in the video but I’m so happy she seems like a person with normal housing issues and isn’t talking in crazy circles about how she got fed up and did the only thing she felt she could do to send a message. Sometimes it’s the correct legal action to take when your landlord is neglectful.
Lawyer here. I don’t practice in Colorado, but the judge’s office cannot give you legal advice and cannot have ex parte communications. You can file a motion in court, but must give the other side the opportunity to respond. I haven’t finished watching this episode, but a stipulated judgment means she agreed to a judgment. It’s basically a contract that has the force of a judgment (so the other side could collect/enforce as if it had a judgment). Just general note never to sign anything like that without reading and understanding it.
I'm definitely not a lawyer, but isn't a stipulated judgement a conditional judgement? I'd assume something like that would be that she's out of the remainder of the lease early on the condition that she pays the back rent.
Not necessarily. A stipulated judgment just means the parties have agreed to the judgment. It may or may not be conditional depending on the terms of the stipulation.
@@JennyH-io8ti Gotcha, so the "stipulated" part has nothing to do with the contents of the judgement, its just denoting that both parties agreed to the outlined contract as opposed to it being a ruling passed by the court devoid of both/either party's input; if I'm understanding correctly.
You got it!
Caleb and Daphne - check into UT Law School's clinics. I'm a (non-practicing) lawyer and used to attend and work at UH Law Center, and we had clinics who took clients who couldn't pay. The law students take the cases and are supervised by professors/practicing attorneys. Definitely worth a shot as landlord/tenant stuff is a pretty common issue.
Great episode - been following you since 40k - She seems like a kind woman who has been repeated taken advantage of by different systems and is stuck in the spiral of poverty. You gave her fantastic advice throughout! Looking forward to the followup 🔥
What systems? Your life is about your choices. For example, she chose to be a single mom with no plan. There are consequences to your choices.
I love the advice y'all give on charity; help yourself before you help others. When you're on a plane they tell you to put your own oxygen mask on before helping others because if something happens to you you can't help others
My heart goes to the entire community for PbatesLTD building up something even my grandpa can understand. This is so smart by them to launch it to shatter the doubts and fears of the common folk which is not even correct to begin with. Everyone knows the state of inflation and recession now and the way out is already in progress. Now it's just about catching the big fish
What is this? I look up that name and it's a RUclips channel with 2 videos and 40 subscribers. Are you grifting?
Botssss
What are you even talking about?
I remember for me i stopped paying rent because I had no money and moved back in with my mom. I ended up not paying it and then almost a year later they sent it to collections. Definitely not my smartest move.
Caleb i paid off 57 thousand and am niw saving fully funded emergancy fund. Thanks for your great content. U and ramsey helped so much.
Her outlook is way better than most. I really hope she sticks to Caleb's budget. Good luck to all ❤
Shes clearly very level headed and funny. Loved the little look at the camera! I hope she manages to sort the rent issue and gets back on her feet!
The number of times hinge was mentioned 🤣 wishing the best for her AND Caleb on hinge 🤞
-and of course her with finances. She seems serious and ready to make the changes ❤️
He seemed low-key interested
@jinaregenez6532 i agree, she is a very nice lady whos ready to change. I imagine the problem is the kid
As someone who has worked in the apartment industry there is a lot unknown about the situation below her. Unfortunately there are states that make it almost impossible to evict someone for behavioral issues vs rent issues. I'm not saying the complex did everything right, just showing and unfortunate side of the business.
It’s especially rough in Texas. The law very clearly favors the landlord. I had a similar situation and had to basically beg, plead, cry, constantly call them, to get out of the lease. The apartment was roach infested with drug addicts all around/in the property. I was a 23 year old living in a new state away from all friends and family. Some of the hardest months of my life 😢
You get what you pay for. If you living in the cheapest area your neighbors are trash and you got to get used to it or get a roommate in a nicer area or a better job. This is reality
Was her apartment that had the rodents in Texas or Colorado?
Guest is from Denver. Bad neighbor could be dealing drugs and dealers can get lawyers to delay evictions for months even years. I bet the criminals do not clean after themselves leading to rodents. Meanwhile good neighbors have to live next to them. Glad she moved out.
britney@@ kinda seems like your blaming your landlord for your mistakes here. the landlord doesn't want to have roaches in their building or violent tenants. They need to take responsibility for their apartment and you need to take responsibility for your negligence.
Can we get an update on her? One of the best guests!❤
Caleb you need a pet insurance sponsorship. Literally the biggest money saver!!
Every time I had it they Never pay more than what's it worth what I paid.
The best pet insurance is no pets!
Instead if buying insurance. Take that $ youd be spending on a premium and put it ina savings account for a pet fund.
If they weren't making a ton of money off pet owners, pet insurance wouldn't exist. Most people aren't coming out ahead.
I had 2 senior dogs and a puppy. Puppy (who is now 1.5) has pet insurance because of the 2 senior dogs. She's already had a covered surgery that has payed for our pet insurance for the next 7 years if it never covers anything else.
On top of that I had to put one of my senior dogs down last week because we had to weigh the financial risk of spending a few thousand dollars on something that may not have worked and ultimately it just didn't make sense with his age and other health issue and he was struggling to breathe without getting the expensive treatment. THAT alone is enough reason for me to always have pet insurance. For only like $25 a month I wouldn't be crying while i write this wondering if the expensive treatment would have worked and he'd still be here.
I really hope Daphne is doing well. She seems like she will actually take his advice. She really needed some good counsel and I'm so glad Caleb was able to advise her, she has made a lot of mistakes due to naivety or just over-extending herself. I would love to see a follow up if possible!
This was a great ep.. Daphne seems like an amazing person!! you got this girlie!! just a step in the right direction!
Wtf are you talking about 😂😂😂😂 shes an absolute voluntary brain dead idiot
I honestly feel her with the rent situation. I got screwed for a place in Austin where they made the apartment look and sound great, but it was actually roach infested, drug addicts on on the property, water leaks etc. I never actually moved in, but I was on the hook for the rent for months (so paying double rent because I had to get a new place). Some of the worst months of my life. Finally was able to negotiate out of the lease. This was a while ago but I think I also stopped paying rent at some point. Luckily they didn’t put it in collections.
So you signed paperwork and made an agreement without fact checking then got upset because you’re held liable?
Did you look into Austin’s health codes? You might not have to pay rent if hazards were present and deemed not livable
@@ThisDudeYooToobsa lot of apartments won’t show you an actual apartment you will be renting unless it’s vacant. You could just be shown a demo
@@ThisDudeYooToobsthey did not disclose that the apartment was infested with roaches and that I could be stabbed walking out my door. TBH I’d also prefer to have money in collections than potentially get killed or robbed, while eating roach cereal for breakfast.
@@somethingawesome1462 I was 23 at the time, first year living alone, in a state I had to move to for work, with no friends or family. I had no idea what I was doing. With what I know now, I definitely would have fought it more. Luckily they just let me go after I think 3-4 months, when they got new management.
I seem to hear over and over on those show that people make a bad car purchase after they have an accident and their car is totaled. They seem to feel so desperate to immediately get a car, I’m also guessing that they tell the car salesperson their situation which makes them an easy target for an overpriced car with a predatory loan 😢 Can we tell people that it is okay to rent a car for a month or two while they research and make a less desperate decision? Obviously not an option for anyone under 25.
Caleb, you crack me up about saying you don’t think your mom knows your SSN 😂 As a mom of 2, I can almost guarantee she knew all your vital info. Growing up, she would have used it countless times when registering you for school, seeing a doctor, etc.
Really enjoyed this episode. This was definitely someone interested is improving and not making a ton of excuses.
I’m a dividend investor, My husband and I have invested in the S&P500, both through my TSP with the government, and through fidelity in her 401-k. Cashed out 270k from the S&P and invested with a Financial adviser, Monica Mary Strigle and we also bought few properties at the right time. Until around 3 years ago we were 100% in the s&p after over 30 years. I’m retiring at the end of this month at 62, while my wife will retire next year at 60. We currently have 3.7 million in our tax deferred savings. I am putting this out there for anyone looking for how to help themselves in this time of crisis.
These bots are getting advanced
You have a husband AND a wife. Impressive!
@Mama2CDHsurvivor i know right
YES the bots are learning!
This doesn’t help
She needs to apply for the SAVE income based student loan repayment plan bc her payments will likely be zero and the interest will be waived so the balance will not increase for as long as she continues to qualify.
For beginners, it's important to recognize that this scenario is overly simplified. Firstly, obtaining a mortgage for an investment property typically requires a minimum down payment of 25%. Secondly, while it's relatively easy to find comparable house purchase prices, understanding rental price comps requires extensive research. The challenge lies in identifying areas where renting is more expensive than buying, although such opportunities are less common due to this very dynamic. Thirdly, it's crucial to remember that the rental figure mentioned should represent net income, not gross. Therefore, one must consider expenses such as taxes, insurance, maintenance, and vacancy when evaluating investments. Despite these complexities, real estate investment remains a valuable tool for accumulating wealth, albeit not without its risks.
Very soon, affordable housing will no longer be affordable. So anything anyone want to do, I will advise they do it now because the prices today will look like dips tomorrow. Until the Fed clamps down even further, I think we're going to see hysteria due to rampant inflation. You can't halfway rip the band-aid off.
Home prices will come down eventually, but for now; get your money (as much as you can) out of the housing market and get into the financial markets or gold. The new mortgage rates are crazy, add to that the recession and the fact that mortgage guidelines are getting more difficult. Home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes.If you are in cross roads or need sincere advise on the best moves to take now its best you seek an independent advisor who knows about the financial markets.
I gave a 60 days notice to move out and also gave them my keys when I moved out. Months later I get a call from a collection agency saying that I owe a whole lot of money! I called that old apartment and they said I didn't give a 60 day notice. I immediately left work, found my receipt from that 60 day notice, and took it straight to their office! They were like "oh, well you also didn't turn in your keys." TF I didn't! I got them to drop those charges against me. But take this as a lesson that these apartments will lie and try to pull one over on you, so always keep receipts!
I just want to give her a big hug. Daphne, please take his advice and stick to the plan. You're going to look back at this time and be thankful that you came on the show. Most people wouldn't have the guts to have someone dissect their finances.
Daphne - you are going to absolutely rock this!!! Kudos to you for being on the show and sharing your journey, being an amazing mother, and for being involved with developing so many littles lives. ❤❤❤ Cannot wait to see you on a follow-up episode.
This was fantastic!!!
In florida I had to leave a complex because they didn't take black mold and roach infestation seriously. Which for an asthmatic are double whammies. Not only the upstairs neighbor confirmed conditions of their unrepaired leaks that trickled down to my unit, but also a beautiful black moldy wall and slime behind our fridge. Left without paying the lease breaking fee. Never regretted it.
Caleb was able to get the girl from The Polar Express on for financial audit😭
😂
Lmaooooo I love that movie😂😂
Very refreshing guest, she seems very real and aware of whats happened to her. I hope she does well, genuinely.
Wow, I'm about halfway through this video, you actually got through to this one. Give yourself some credit for knowing when to step back and say you were going a little too hard. I imagine it can get hard to stay human when analyzing some of these situations.
I felt like this episode was a much needed breath of fresh air.
Never been here so fast! Favorite channel on RUclips for the past few months. Love everything you do Caleb, thanks for lighting up my days!
Love the PbatesLTD content. I think this project is just as essential as HBAR and they both will be great movers
The firstly humble person! I love how she is taking criticism. It's super important. I believe you are a great mom !
she seems like such a sweetheart & i relate to her a lot. i hope she gets into a better situation soon, she’s probably so overwhelmed
Pretty cool, I went to a Montessori school up to the beginning of highschool. Great environment for motivated kids to learn.
You should do a new video about Pbatesltd ! I really like you’re mellow delivery and you seem like you’re very knowledgeable. I watch lots of influencers and you always seem very calculated and know exactly what you’re talking about and understand it. You’re better at explaining complicated things simply, than any other person on youtube keep it up brother!
If you got rats in the wall, trap house in the building, shooting, police frequently coming, and management unresponsive. It’s low income. All the low income residents I have come across has had one or two or all of the same issues.
Or it's just Colorado.
right. that is not a normal thing lmao.
No. Low income has to do with rent charged not the quality of housing. It's indicative of a slum lord. However rent charged could have been market rates.
@mr.anthropology3277 no I've lived in Colorado 21/27 years of my life never experienced this. My friends still live in Denver and don't experience this one lives in Denver and one lives outside Denver. She likely lived in a high crime area which is generally low income.
@@meganmarie4289 I live in Colorado and this is just how it is where there is no housing options. If you have money to buy a house you can avoid this but if you rent most places don't care anymore whether they have to make it livable or not. We had a landlord that refused to fix a mice problem and then also took four months to fix our heat in the middle of winter.
What up, early birds? 😂
Yoooo! Mornin
Sup?
Here for it!
Heyyyyyyyy
Sup
I love watching financial audits. It keeps me aware of my own finances and has allowed me to reach massive goals that I’ve set for myself.
I want to give her a hug so bad. You got this girl! You can get through this!
Caleb you crack me up! You don't think your mom knows your SSN!?
Charitable giving was such a strong motivator for me to be debt free and financially sound. You can’t be a giver until you’re no longer a taker.
She was iffy at first but I wish her allllll the best! Held her responsible and she ended up taking some accountability and will hopefully get out of this mess soon for her and her child’s sake :) so refreshing
You are passionate and compassionate in equal measure. Thank you for educating so many, Caleb. Nothing but respect for you.
I started 2022 with 230k debt, with PSLF (I was paying $1440 a month for years, and did 27 years working for social services) and paying chunks on my bills I’m now down too 35k…
I always look forward to a Caleb video like I do with a cup of coffee in the morning ❤
Awee thank you!
Court employee here - she needs a copy of the stipulated judgment and the minute order of the hearing she attended
It's wild to me how legally illiterate someone who is a teacher can be. She really doesn't know what's going on around her.
In the last six months I paid off $125 in personal debt, $600+ in a title loan, and $500 in legal fees. I'm now saving up to settle a debt that's gone to collection and am on top of all my monthly payments otherwise. It's slow but good progress, and Caleb is the one who inspired me to do it!
I loved this episode! I'm glad to see someone who actually seems to want to do better and wasn't a jerk to Caleb 👏
seems like the apartment complex was trying to set up a claim that she violated the court order by not being out in time and bill her anyway, whereas hopefully she was out in time with proof. I'm not sure if it's wise to contact the court without representation, I don't know.
“Should of lived in one of your properties”😂😂😂😂 Caleb in his mind was like hell no😂😂😂
lol he is like yeah right I have seen your credit report.
Facts
I’m 22 college student. I don’t make a lot but watching these videos make me thankful everyday that I paid for everything upfront in cash so far🙏
Paying full if you can afford it
34:46
Awwwwww. She's has the biggest heart.
But truly girl... WORRY ABOUT URSELF FIRST.❤
She's on the right track. I'm so proud of her ❤🙌🏾❤
That’s insane. $22 a hour for a job that requires all those certifications/licenses/training/degrees etc. you can get jobs paying $25 a hour with nothing but a diploma.
Teachers aren't paid fairly in the US :'(
Depends on the state. Median hourly salary in my state with a bachelors degree is $22.
@@la6136not enough.
I’ve got a friend making $22 just doing basic security. It took him a year to work his way up, but he says it’s insanely easy to keep getting raises bc of the turnover.
She obviously doesn’t mind babysitting…
and if you get into real salaried management positions, it’s like 70k+
I make 24 an hour in Security watching people like her on RUclips 💀💀
Btw not a common thing for houses in colorado to be built with a.c
Directly from rental bylaws
Functioning heating facilities that are in good working order and that complied with the applicable building codes when they were installed. (NOTE: There is no requirement that the landlord provide air conditioning or cooling systems of any sort)
Im willing to bet Caleb mom does know caleb social. Its part of being a parent. You need to fill out official documents for your child, you end up learning it. Really confused why he thinks his mom wouldn't know it
I know daughter's and lock it up.
My mom knows her social, my dads mine and my sisters memorized. Its part of being a mom
Yeah, this part tickled me. I don't have my children's SSNs memorized (yet), but I have their cards. (They're young--nowhere near adulthood.) I have to provide it multiple times a year for taxes and other forms. I know my mother had mine memorized by the time I was in grade school.
I know the ss # for my two adult children and two former husbands. 🤣
This poor girl seems like she has the best of hearts! Best of luck to her and she’s taking the right step asking for help. Good for her!
Caleb is the millennial version of Dave Ramsey.
Bless you, man! You're really helping people out here. Financial literacy is really important!
Hey Caleb we love the great consistency!
I feel bad for when I hear her situation. What I'm not hearing is organization or accountability. Hope she gets her finances in order after this!