Ego-Maniac Thinks She’s Hot Sh*t | Financial Audit
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- Опубликовано: 28 июн 2024
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Chapters:
00:00 Job and income
05:10 Let’s see them
09:30 Is this her strategy?
13:49 Straight Arrow News
15:19 What’s your GOAL?!
20:50 Her financial perception sucks
25:33 Oh because you wanted it!
30:00 When does she change?
32:28 Fun Resources
37:00 How bad could it be?
42:24 It’s flowing out of your account!
46:06 The pain continues
49:15 My fave high yield
49:40 This is insane!
52:40 You need a budget!
58:10 Hammer Financial Score
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We appreciate your sacrifice.
She thinks she's being a good person by nature of her position "I give away my company's money"
Really shes a head of corporate bribery. They wouldn't be giving away money it didn't help the business in some way.
The reason they're saying "it could be worse" is because they're not using it as a rational standpoint, they're using it as an excuse to justify their bad behaviour. It's like "Oh, I'm diabetic, I ate a piece of cake, but it wasn't a big piece." No discipline, no accountability, no maturity.
Some people never become intellectual adults.
Listening to her talk is literal brain damage.
Ever do audits with people in good situations? Would be interesting to see and give people something to compare these bad situations too. The reason for asking is because I recently discovered your channel.
This show needs to be called Financial Audacity
Underrated comment 😅
lol I love that idea because it’s perfectly fitting! 😭😭😭🤣
LOL😂
Dead 💀🤣🤣🤣
Every single show I'm saying, "The audacity!" 😂
I’m convinced 80% of the people who claim to watch this show have never actually watched the show …
I’m convinced none of these people are real 😂😂😂 unfortunately I know they are 😭 crazy that people like this live amongst us
My theory is that they’ve seen shorts on their social media feeds, Tik Tok or instagram, without watching an entire episode , yet to them that equates to having “watched the show”.
@@KSWKREWthat’s exactly what it is. I’m glad to see someone say so.
@@KSWKREW Its typical tik tok brain, they can only watch a clip for 30 secs to a minute, anymore and the brain shuts down
What we need is a comment section code word so that any real viewers going on can identify themselves
When she said she had a little debt, I was imagining like $2000 not $70k lmao
Yeah I was like oh maybe she got a lil credit card balance.... NOPE
lmao total spoilers dude!
😮😮😮 I'm at the beginning but now I know that the "little debt" indeed is not 1 to 2 thousand
Yes!!!! I thought I misheard and she said 7,000. Mindboggling how people are so (delusionally) optimistic
@@ilovebmoreading comments=spoilers
"Hoping I get married and my husband pays for it." As a woman, I'd absolutely flip out if my to-be husband just expected me to pay his debts. There's no way she's for real.
My fiancé has paid some of my small credit card debts and I felt guilty from him insisting on that. Expecting him to pay my student loans? (which are close to the same amount as hers 🥴 trying to work on it all) I can’t fathom asking him to do that or expecting him to that. Even if he could, it’s not his debt. Simply a mindset of not accepting responsibility.
No one’s marrying that thing it’s ok .
This seems so fake on her part. I think she's under the impression this is an audition for a part.
You would be surprised how many woman expect that and also marry to gain wealth.
Marriage laws are BS
Men always pick up the slack... it's how things work. Personally I wouldn't get within 20 feet of her so she better smarten up.
"Maybe I'll marry rich." No. No, you won't.
Googles "how many blind millionaires in America"
@@500dollarjapanesetoaster8 can you? It's a lot of work
Was looking for this comment. Delusional like the rest of my generation. I would gladly help my wife out with her debt, but not with this attitude. Only way someone marries her and pays for it is if she hides it until they’re married.
She's.a walking 🚩 so it's gonna be a no.
Rich men aren't looking for her lmao
I'm a Professional Amazon Hater, but the whole "I wore a hat once and now I'll return it" is such a shitty move. Most items that get returned won't be resold/will go straight into the trash, not to mention all the energy/pollution spent/made shipping crap back and forth. What an absolute waste of time and resources for everyone involved.
Also not to mention the substandard wages paid to the workers and working conditions that hat was made in.
AFTER she arrogantly threw in that she is starting to shop at thrift stores… “sustainability…” 🙃
Agree 💯
Absolutely, I was like, "who thinks like this!!"
Yup, that pissed me off. Surprised Amazon doesn’t have a detection system set in place to obviously detect this stuff. Pretty sure independent sellers also get somewhat fucked by this
The fact that she handles someone elses money for her employment is crazyyyy.
I work in Government. You would be appalled to know how they spend our money.
Sad to say, she's got the prototypical face/look and voice that they like. At the end of the day, they don't care as long as the image for the position is met.
she doesn't handle the money, she handles the relationship with the charities that receives the money. The finance department handles the money, lol.
A lot of companies do credit checks, probably to avoid hiring people to handle money who are in financial doodoo
DEI hire
The big deal to her is she’s doing well for 24 but she looks 34 and acts like she’s 4..wild
😂😂😂😂😂😂
She isn't doing well for 24 either tho lol
WAIT!!! I completely missed the part where she said she's 24. Wtf?!?!?!
I thought that number was her A1C...
Most people in Austin act like this. My stepdaughter does too. Keep austin weird is the sligan
When she thinks that she only spends $2k…finding out she spent $8k in a month. My mouth DROPPED
“Money isnt real” girl is obviously completely delusional. If you don’t understand the Stone Age concept of trading goods/services and the basic economy of what money represents in today’s society…you’re sort of doomed.
Hammer needs to have a few people on at various life stages who are willing to share how they are making it work. How never getting into debt changes the equation. How some simple habits & self discipline-all work to save your lives in the future.
The moment she said that I knew she’d never looked at her finances or considered that she could lose her job. Spending *only* $2k in a city actually requires budgeting or at least an awareness of what minimum needs looks like.
@@YuckyMama People hear shit like "Money isn't real" or "The US Dollar isn't backed by gold anymore" and then they think that somehow means they should stop caring about their finances....
I know, crazy, right?
I make $125k a year, have a nice home, 2 kids, and a wife…. And I spend less per month lol.
She is not confident, she is defensive because she is insecure. Hopefully this was a wake up call to her.
Absolutely. Her insecurity shows every time she says “it’s fine” “it’s ok.” Proves she cannot handle the reality so that’s how she disconnects.
Escaping forwards 🏃♀️💨
She's gonna hit the ground hard when she realizes her income is not gonna provide the future she wants and no guy making enough would need this in their lives lol
@@DutchKing100% any guy that gets stuck with her is going to have a bad time
@@DutchKing living the vida loca on 60k a year loooool
You can tell that she is used to being taken seriously, and even praised for her job and car and independence. I think she was genuinely shocked that she was not doing better than average.
I didn’t think so. Just seems like she didn’t care
Her parents treated her like a perfect little angel her whole life. She has no concept of the reality of the world in which she lives.
The irony of being a corporate "philanthropy specialist" and being in charge of corporate social awareness, yet being totally cool with buying crap on Amazon and returning it after using it on a regular basis. So much for sustainability.
It's sad that people like her are in charge of corporation's social and environmental impact/ sustainability.
None of that corporate stuff is real, it's just marketing and/or tax write-offs.
This woman is why Amazon’s return policies have gone into the gutter
I work in an Amazon fc pt that deals with returns and since I’ve started I’ve cut down on my Amazon buying. Also I’ve only returned one item ever since I’ve started my account years ago.
She is the reason why I don’t donate to charities and to companies that ask me to donate the roundup change. F people like her.
Well at least you know the projects she invest her company's money in would produce a reasonable return for the world and isn't invested on a impulsive/emotional basis.
Excellent point!
That "early 20's optimism" wears off real quick when you near your 30s and your debt has only gotten worse.
Yup. And before some of these people realize, they become the 61 year old guest with no retirement and still working at retail.
Yup that’s it!
Exactly!
Spot on comment.
6 years fly by. Before she even realises it, she’s 30 and has to pay her debt for 30 more years. Without retirement savings of course.
International trip to see Taylor Swift while in $65k worth of debt…people have lost their minds😭
I guess it's like being 400 lbs: what's another pizza mentality
For a very mid artist.
Yet they complain that everything is so expensive and they cannot live in today's environment. Its a spending problem.
@@napoleon1992ok, that parts not true the rising costs of everything are out pacing wages so dont get that part twisted. She is an idiot tho
See I love ts but I know I'm not going to her or any other artists concert anytime soon because I am not going into debt for a celebrity.
Returning shit 24/7 is so bad for the environment - stop buying so much shit in the first place!
My wife and I started listening to Caleb at the beginning of 2024 and have gotten a financial education very quickly. (Mostly me, my wife was already really good with money 👀)
I’ve become thoroughly embarrassed at my lack of financial discipline.
Last week, (May 2024) we finished paying off about $15k in credit card and IRS death debt! We’re now aggressively focusing on paying off our vehicle and building an emergency fund. Caleb is AWESOME
The show rocks
Good for you!! 😊
That's amazing! Congratulations! 🎉
“I am better than most people my age” while being in higher debt than people her age.
That's being better, right?
@@dohnjoe735the number is bigger, so of course its better!
She has MORE debt, has LESS savings, and is far more BLUBBEROUS than any 24 year old has any right to be.
More debit so she’s showing off more than the average American she’s got a nicer car than her friends and she spends more every weekend at the mall. 😂😂😂
She's better for the banks than most people her age
She spent 8k thinking she spent 1500-2000....scary af
She's a 7, stop judging her. 😂
How can someone be so off is insane. Even if you're not keeping track rigorously, you can ballpark it, but she was completely off.
That is wild... Who spends 8k and doesn't even realize it
The amount of clueless people on this show amaze me
Same for me before I downloaded rocket money. Then I found out it was closer to $10k 😬😬😬😬😬
I have to get on this show. I’m going to say I can’t shut down any cards because it’ll hurt my credit, give myself a 10 hammer score then order some food delivery right to the studio…
Ordering food to the studio would be such a chef kiss move.
LOLLL not door dashing TO the studio itself 🤣🤣🤣🤣
Uber eats a toquito from a gas station
Get food from one place, a dessert from another place, and a very elaborate over the top coffee from a third place. And have one of your friends call pretending to be a spa calling to confirm your appointment for anal bleaching and answer the call on speakerphone.
Spends so frivolously, but wants her student loans forgiven. She is one of the people who should not be looked at for forgiveness. There are people that are struggling, but she is going to London to see Taylor Swift. Insane.
Right?? It's so aggravating, people like this is why the student loan forgiveness was blocked. There are people who genuinely would have their life saved if that was passed, but thanks to people like her, she ruins it for everyone. SMFH
“I’m better than everyone that’s been on the show”
While being almost exactly like everyone before her 💀
545 Credit score
$10K+ in high interest credit card death
$60K in student loans + other loans + 84 month Car Loan
$4 in savings account
She really truly believed she was better than everyone. I'm 💀
The cojones on this woman.
I guarantee it's because she got a degree. And now she thinks she's hot shit because she actually got a job with her degree.
I wonder every single time...
Isn't it common sense and just pure survival instinct to look at
A) income
B) expenses
And if the result is negative, to 🦆 ing Freak Out, cut every crap and get rid of all the high interest shit ASAP.
You know, to achieve the small thing of NOT BEING HOMELESS AND STARVING.
What the hell?!
@@Ch0rr1s compartmentalization and ignoring the compartment you put these into.
545 credit score is inside 🤣🤣🤣💀
@@iiyou-_-tr4hs-zclan147 It might actually be one of the lowest in awhile
"The concert's free because I already paid for it" Might be the single dumbest thing I've ever heard anyone on this show say... It's at least top 20
#girlmath
That's girl math for you 😂
It's a sunken cost kind of things, you'd be surprised when it gets you in some unexpected corners. it won't be as small brain as hers but still.
@@purpurina5663we are here for finances not to judge her body. Such a childish thing to say.
@@purpurina5663 wow.....gotta be a massive d-bag, huh?
Being only 24 and having 70k in debt is insane
I’m 24, have $0 in debt, $46k in investments, and $15k in my 401k … I still feel like I’m drowning and will never own a home, rent is %50 of my income…. How these people can think they’re “doing well” is insane… they must be coping because the reality is too much to handle
@@christianmingle3394you're definitely not drowning, that sounds great dude!
@@christianmingle3394comparing is the thief of joy.
You are doing excellent. Many have to wait till 30s to get a home. Keep going for it!
Heck you’ll probably be ahead of others your age who attempt to buy a house.
@@christianmingle3394good on you for the investments, but change your thinking to include a home as an investment as well. If I were only 24 and had almost $50k in investments but no home (mortgage is debt yes but still an investment)? I’d have at least a $25k downpayment and get on with some home ownership.
She thinks she is so funny and quirky it’s painful
tik tok brain rot
As someone who's around calebs age (cusp of Gen Z and millennial) I can confirm this is a Gen Z thing lol. The deflecting responsibility and bad mental health with quirky edgy humor is so bad
“I don’t think I’m in that much debt”
Oh boy, this is gonna be a good one.
We've all heard this before. Many a times
Her bills has been affected
It could be worse!
The worst thing was when she said it was normal. It isn't normal "darling"
Oh it's fine
Babe, wake up, Caleb's putting someone in their place again
😂😂😂
I WISH my wife would watch just one episode.
My husband, kids, and I watch it together. I wanted to show my kids why we say "no" all the dang time. They've become appreciative. Do recommend--except prewatch for anything a bit too adult in the content. @superbigblack
“You can only see Taylor once internationally.”
She just put an album out. She’s at the peak of her career with no sign of slowing down. I think she will still be producing and performing in 2-3 years when you have $1k+ to spend on her. Get real.
Seat geek sent me a 20% promo code earlier today. I have less debt and make more than this chick, and there is no effing way I can go see Taylor Swift anytime in the next few years. There are just more important things to do with my money.
The rolling stones are still performing 60 years after they were famous. You can do stuff for years after they are the biggest musician in the world.
I'd take out thousands in debt to get the hell away from a Taylor Swift concert.
@@mikesanders8621Same here and all the weird “Swifties” that take this girls life and songs far too seriously.
If ‘girl math’ was a person
Lol
It’s not about “girl”, but rather idiot math
That explains it!
Girlmath has a cap of 500 dollars. More than 500 dollars in a purchase? You gotta come back to real life
“I’m a 7 financial score” five seconds later a missed payment.
Lol. I have zero debt and own our home, and I'm only an 8.
I’m two years younger than her and have no debt, a paid off car and thousands of dollars in general savings and a Roth IRA
Every debt just got worse and worse lol every new debt Caleb went through I just had her replaying "I'm above average for my age...I'm a 7 financial score" XD
@@kathyjuola6317 this! My only debt is my mortgage & have pretty good saved up for 401K and Roth IRA and i was just a 6 when i took the quiz. in comes this "money is fake" woman saying shes a 7 HAHHAHAHAHAHAHAAHHA
lmfaooooo
"Money's fake" HERE WE GO AGAIN!
Edit: Mad respect to all the input about why money is or isn't real but if y'all think Ms.I didn't know I had missed payments is on to any of that you're way off.
American money is, but I get you. 😂😂😂
Money is fake, but has real consequences.
@@miffedcuttlefish6139What, does your country deal in baubles and trinkets or something?
@@Chevalier1632they go down to the bazaar and haggle for rice n shit
I WAS JUST GONNA COMMENT THIS HAHAHA
This woman is a perfect example of why not every should go to college. There was a time when a degree meant something and that was before they open the doors to people like this.
"You thought I was 26 not 24, so yeah, I think I'm better than the average people my age" You have the DEBT of a 26 year old, that's not better.
What an arrogant and condescending person. She doesn’t realize that she will be the first laid off in her company when they need to cut workers.
"We cut the philanthropy, time to cut the philanthropy coordinator!"
Great position, but somewhat 'wasteful' as a stand alone role. Did a companies 'community support' activities for one of my jobs, which was only a very small component of my main compliance role. Her job must be so cushy and I'm guessing maybe nepo baby?
She has an over inflated sense of importance because she has a college degree and works a "corporate" job. Thinks she's higher status than anyone else who has been on before.
Agreed. Her job sounds-is very likely is-just some made up role for the company. Unless she can produce significant metrics on what she accomplishes day to day, she cannot possibly have many skills.
Well she spends 119 on a gym. Its working😂
Im about $40k in debt, including student loans at 24. I am just like her. I thought the same, not including trips. But this really showed me a mirror of myself and I appreciate it.
Nice to hear you are aware of your situation. Best of luck with the dedication to focus on paying the debt off.
You better start hustling sis
The difference is you can turn it around, problem identified, make a plan, take action and know your numbers you are definitely not just like her as you are prepared to be accountable, all the best!
Caleb, I closed my credit card yesterday and I feel like a new person.. Thanks for the wisdom!
Not the Nickelback “look at this graph” 😭😭😭
lol Caleb making a Nickelback reference "Look at this graph" LMAO
That meme kills me every time XD
That one will never get old
So many gems, good comment
LOOKIT THIS GRAAAAPH!! 😂
I chuckled
$40,000 RAV4 when she only makes $50,000/ year. Absolute brilliant decision making.
I've driven a RAV4 as a loaner, honestly not the best build. A Corolla or a used 4Runner would've been far, far better.
Agreed the new RAV4 isn’t what it used to be.. Camry/Accord and Corolla/Civic all day. Pilot/4runner if you live where it shows. All used >>>>> new
@500dollarjapanesetoaster8 I fell in love with mine. Test drove a Kona and it was 'meh'. Sat in the Rav and it immediately felt right. All the features have been great for the amount of driving it do (5 to 6 hours to get to FIFO/DIDO job) and the safety features have saved my life a couple times.
Bought it as ex-demo, for cash when I had a high paying mining job, and only bought it as my 14yo Suzi Swift had a bit of potential risk around it (didn't want to break down on my 1 hour drive to the nearest town in outback Australia with single lane roads, kangaroos, and roadtrains). Figured I was financially responsible enough to justify a vehicle upgrade for safety, reliability, and comfort. Wpuld have kept my suzi if I was still in a city as it was still an incredible car, but will say having cruise control was an added luxury too.
A couple of years ago, I bought a 27K car on a 35K salary. To be fair, I had money saved up, and I had a big chunk from insurance from totaling out my previous car.
I ended up financing 10K of it, no interest. My monthly payment is $150, which is pretty reasonable.
My last car lasted me 13 years, and was in excellent condition, when I got into an accident. I would much rather shell out 27K for a car that is going to last me a while, than buy 2 or 3 beaters in the time I could have had the one car the whole time.
But, I completely understand that not every situation is the same.
Over all of the audits I’ve watched on your channel, I’m still shocked at what people choose to wear knowing they’re going to be on the internet for potential millions to see. I also believe that there’s a pattern between how someone dresses for the show and how seriously they’re going to take their situation.
Everyone looks like they get their clothes at thrift stores
Don’t see how that matters in the slightest. He is literally in a t shirt
@@catpetrescu6502 ok
shes trying to hide her rolls
She might have the most BS job I’ve ever heard of. She’ll be the first one fired WHEN the economy goes south.
I actually don't think so with this one. I work at a non profit and regularly collaborate with people in her position from companys cooperate responsibility foundations. Companies basically need corporate responsibility sectors (just like diversity sectors) to remain in the good graces of their customers and stakeholders. Companies are mandated to make donations to good causes for good PR. The non profit I work at usually is on the receiving end of that so I appreciate people who work these jobs. But I would NOT be happy if people like HER were the ones doing it omg absolutely not, her company can keep their money I don't trust it or want it lol
She’s like one of those people in kitchen nightmares where they keep saying, “we have no customers, but our food is good!”
Oh my God she's Amy!
LOL
@@dragonsnack1335 meow, meow...meow 😂😂
“I’m trying to thrift to shop more sustainably”
“I use things from Amazon once and return them”
Girl you’re the problem
What is bothersome is that Amazon will give you the refund, but when they receive the returned item, they just toss it in a bin and don't bother reselling it because they can cover their losses in other ways...like paying low wages, abusing the work policies, and over-pricing their Amazon Prime on a regular basis.
Flying all the way to London to see Taylor Swift seems like such a ridiculous waste of huge amounts of money.
London is so expensive too compared to all other european cities, except maybe scandinavia
Who tf is in scandanavia lol, why would it be expensive? People there aren’t too rich in general after taxes, and demand wouldn’t be high due to a low population
Icing on the cake is the fact her show will be the exact same as any other you could see here in the states... just wait till she comes to a city in driving distance lol
@@danka1167 i don't have to argue in the realms of "would", i know that it "is" hahaha, I am from Europe and live here. prices of consumer goods are very high: so lodging, food and drinks...
Caleb is so strong to be putting up with this person. It’s very hard for me to finish the video after watching it for several minutes.
"You thought I was 26" is not a compliment you look older than you should be, and you are in so much more debt than a 24 year old should be
Right!
And 26 was being kind. She could easily pass for halfway into her 30's. I'd have guessed 36-37
Bingo!
Exactly!!!
Why you look 50 and you 24?
Not as impressive as some other people on here but I can finally say that in 7 months I was able to pay close to $1,700 in credit card debt thanks to this show. Officially credit card debt free!
Congrats!! Keep it up!
Amazing !! Keep it going 🎉
Congratulations! ✨
Don’t sell yourself short, that is amazing! Congrats to you🎉
Congrats!!!🎉 keep up the great work 😇
I watch this show to feel good about myself
She's trying to "shop sustainably" yet returns all that stuff to Amazon where it's going to end up in a landfill.
"I am hoping I get married and my husband pays for it." How disgusting. This woman thinks she is mature for 24, but she is not. "Use it once and return it" is awful...Amazon should ban her.
Any man that’s even thinking about wifing her up needs to watch this and think again.
Also, from a looks POV, she’s about as average as it gets, and the kind of guys that can bail her out can go get a girl who is prettier and will actually treat them nicely.
@@hornetguy9063 reminds me of those shorts where someone asks a very average young woman the minimum man they'd "settle" for and the responses are like 6 foot, $300k per year, 25, and in perfect shape. Then they show it's like 0.05% of total men and that they should maybe settle for something more attainable which the women sometimes get offended by.
@@hornetguy9063 It's honestly ridiculous that fat women today are the new average.
I was thinking the exact same thing when I heard that. Truly disgusting behavior and makes me hope it was a joke, though I realize it likely wasn't. Women like this make truly awesome women seem like angels. Any dudes who would think about dating this thing, realize that if you are a good man, you should have a good woman. Glad I'm not the only one disgusted by her attitude.
@@MrJoedog55 ya I know guys who have wifed up women they could do better than. Those women treat the man like a credit card with no interest and no maximum.
Obviously we all know there’s women who get stuck with men they can do better than, but the way scumbags hurt women that love them is more obvious.
She is an example of “average person” in that the average person thinks they’re doing fine, but are actually oblivious to the reality of their situation.
Ope, I spoke to soon before 21:00.
She is the financial Dunning-Kruger effect personified.
This is a prime example of confidence only takes you so far then the facts hit the fan
As someone who has got their finances in order - watching these episodes feels SO draining.. I can't imagine how hard it must be on you Caleb.. I understand that sometimes you just wanna walk off but keep going though!!! Love from India ❤
Financial audit is my sweet treat
Treat yo self
"sometimes you gotta get yourself a lil sweet treat"
It's my favorite lil sweet treat
Just a little 🎉sweet treat🎉
"Sometime you need a little sweet treat" ughh
Part of the reason why this chick is so arrogant and thinks she’s doing great financially is because neither of her parents ever made close to $57k individually in their lives. I know this because she said she got for Pell grants for school. And that eligibility is based on her parents’ low income. Signed, a former Pell grant recipient.
Yeah, when she said $57k and said she was doing well I was shocked. That's good but it's not THAT good.
@kasiaweisskopf342 That's good? Maybe back in 2014. 80k is the new 50k
@@leri3365yeah, $57k is definitely not horrendous, but splitting a 2 bedroom with a roommate is $1k right there in Austin. Someone making $57k in Austin at 24, I’d say they’re doing “decent”-ish.
@leri3365 depends where you live. In Oklahoma, that's a liveable income.
Agreed. My mom was poor AF, like I remember not having food and getting a job at 15 so I could buy me and my sister school clothes and our basic necessities to help my mom out. I didn’t even qualify for a pell grant and remember sitting there crying bc I thought “how fking poor do you have to be to qualify?!?!” (It was my dad’s income that put us over but my dad had nothing to do with my life… 🤷🏻♀️😔)
She keeps saying "it's on the back burner" Ma'am! these aren't even out of the fridge! this is all the veggies rotting in the crisper 😂😂😂
I'm 20, went straight into the workforce and skipped collage, I saved as much as I could for two years working minimum wage, I now have 10k in checking, no debt, and I leave for basic training for the CAF in two weeks, this show makes me feel so good about myself.
Her spending thousands on a new car and a European Taylor swift concert is exactly why the general public should not be forgiving her student loans
A major problem with student loans is that more often than not they are given to the student rather than directly to the school. Another problem is that kids can take loans to cover housing too.
Exactly 💯
A lot of the loan forgiveness sought is for people who have already been paying for decades, not for people who have recently graduated; a big change the Biden administration has made is to direct the Dept. of Education to honor the agreements made to forgive loans to college graduates who went on to work in public service while paying on their loans for at least 10 years (see blog.ed.gov/2024/04/pslf-processing-improvements-what-borrowers-can-expect/)
This!!! I’ve never owned a car worth anywhere near $40k, even though I could. But she wants to rock a brand new flashy vehicle and have her loans forgiven. wtf. I’ve never seen anyone on this show that I’d feel good about having their loans forgiven.
@@mithicash1444 well we should question why kids should have to take out loans to cover housing anyways… in my college town a single bedroom in a four bedroom apartment is reaching $1300. If you want less roommates, you pay even more! A normal apt is $1500/ 1 bedroom. They’re making a KILLING off of these students who have to go into debt to afford it.
how can a student afford 1300 for rent in school? I worked full time in school and I know I couldn’t afford that $1300 by myself…
What is the other solution? College is getting more expensive by the year and it’s not like we can’t have anyone going to college so many jobs do rely on degrees, despite what people say.
Also, loans are given to the school and leftover funds are dispersed to the student in most cases.
She really said “I am not going to a planet fitness” like ma’am you look like the exact target audience of a planet fitness don’t act like you’re better than that 😂
Couldn't believe what I was hearing when she started looking down on Planet Fitness. She thinks she's too good for PF and thinks she's gonna marry rich?? Completely laughable.
“ my thought process was uuhhh..” i want, i feel,
What are you saying? Only the unfit go workout at PF?????? 🤔
@@TheIronChainMastershe just looks average
PF is the cheapest gym that you'll never go to anyway! LOL
Listening to this while driving my second 1999 Honda CRV. I can't believe people need a car from the year we're in, it has never made any sense to me.
1999 CRV gang 🎉
Exactlyyy. Even one to two years older and it's LITERALLY a brand new car to me. Let alone several years more. No one needs the newest car unless you're literally getting the latest sports car just to flex 😂😂
This was the first episode I’ve ever struggled to watch and finish.
"Money is fake" but she uses money to survive and buy stuff??? I never understood that mentality, it screams lack of accountability
Whilst the sentiment isn't technically wrong, you're right. This phrase is used as a pass to spend money like Congress.
Its another one of those phrases that people dont think through. Money is fake because its a numeric representation of your work time. But if you only stop at "money is fake" then you never get to the mentality of "this costs me X number hours of work."
When i quit a job and did ubereats between jobs, it really put the "money=hours worked" in perspective for me
and she says shes responsible with the money she says is fake. lmaoooo
It’s equivalent to people saying “money won’t bring happiness”. Money would literally solve most people’s problems and provide freedom, something you can’t put a price on.
@@AnalyticalMenaceit’s definitely wrong. The concept of money, of medium of exchanges, exist. Specific currencies formally exist to act as these mediums. There’s physical notes representing the monetary value of these currencies which tangibly exist. There are digital records which virtually exist. These are all understandable and observable ideas which exist.
In no way is money not real, unless your definition of reality excludes numbers, shapes, beliefs, behaviours, and contracts, yet simultaneously leans on these to invalidate historical physical currencies made from regular and precious metals on the basis that they are mere bank notes.
First found this channel from tik tok clips. I laughed at how out of touch some of the people were, but then i began to realize that my own finances were also not doing well.
Back in December i found myself with $17,500 in 30% APR credit card debt. Minimum monthly payments of $600 with over $400 interest accruing per month.
Watching a few episodes inspired me to come up with my own payoff plan and i am on track to pay it all off by this time next year. Ive already made almost $4000 progress on the principle.
Thank you for making these. You make financial planning feel more approachable.
Hell yeah dude! Great work and keep at it!
Bravo for taking responsibility and stepping up before things got out of hand!
Jfc
Holy smoke! Thank goodness you found Caleb and got inspired!
God has interesting ways of humbling us. Good on you for looking at yourself and your own behaviors, and making some changes. It's surprisingly hard for so many people to do that. You should be really proud of yourself. And never forget.. you don't want to find yourself back in that place ever again!
Good luck!
I must be a freak as I never owned a credit card and just didn't buy stuff I couldn't afford.
Wearing/using something once then returning it is trash behaviour 😬 if someone’s done it once I can ignore it, but not as much as she does it.
$40,000 vehicle on $57,000 salary is insane and she is going to say she can't sell it, I already know it. She's going to be in debt at 44 complaining about how the government/ society/ everyone but her didn't help her.
Agreed I wish I had a guy like Caleb to yell at me when I was in my early 20's I did get out of debt when I was 33 ish and man these people have no idea what they're in for, and I think I have more discipline than most of the people on this show so they're likely in for a worse time than myself.
I want to buy a 35k car on a 100k salary, and it's scaring the hell out of me and can't justify it. How can she??
you were correct..
@@acausedelle1547 Same here.
Bruh i just financed 30% on a 44k vehicle and i make 80k a year, i find that to be pushing my comfort zone, i could NEVER feel secure doing this.
To anyone who applies, if you get on the show, you aren't doing okay:)
Actually he had a porn star on and she was balling
facts 😂😂😂
You're a celebrity or you're not doing so great.
I wanna go on the show to just meet him 😂 the only debt I have is $203 credit card
My cars paid off and I paid my mother, still owe her some money
I’m in college and probably will be able to pay the loans off in a few years when I start traveling
I would def make it on… which is why I won’t apply. 😅 I wanna see if I can continue making changes on my own first..
Normal is broke and the problem with thinking highly of yourself is that you'll consistantly underdeliver.... Being a little nervous is a good driver in pretty much anything you endeavor.
“It could be worse”. Yes, it’s Actively getting worse as you’re sitting there.
“Oh I totally couldn’t afford a gym membership or a walking pad”-a woman paying to travel internationally to see Taylor swift. Ok. Sure.
Why would you waste an international trip to see an artist that's national to you? Obviously doing either while in so much debt is recklessly stupid. But truly. It's so dumb wasting travel time on a concert that's not any more expensive or any less special in your home country
@@lizzyblitz07that actually sounds like an awesome trip, flying over sees and going to a concert. Just do it when you can afford it
@@lizzyblitz07 I travel often but never understood the value in spending thousands on expensive concert or sports tickets for just a few hour event and sit in uncomfortable seats. If my girl wanted to go see Swift i would lie and buy us a trip to a beach resort instead and probably save a few grand.
@@TonyCox1351- overseas
@@dbased1915 how would lying help your relationship
"I just got an email, they want my money"
No, you ditz, they want THEIR money.
My EXACT thought!
How the fuck does a person go through $8000 Dollars in a single month and NOT know what they bought???? I'm so confused!
People like this make me feel infinitely better about my financial habits. I have some debt via a mortgage and an unexpected HVAC replacement right after I purchased my house, but I pay off my credit cards every month and finished paying off my car last month. I’m working on improving my “taquitos” habit so I can continue building my savings. 100% agree with someone else’s comment here that the people who come on the show saying they’ve seen it before have never actually seen it before.
For someone who gives away corporate money to charity, I'd be double checking her books seeing how flagrantly she acts with her own finances
ruh roh raggy lol hope she didnt tell her boss about this 😬
I was thinking this. If she has a budget for her job, I hope to h*ll somebody is watching it. Good grief!
You’d think that looking into the finances of employees who handle the money for your company would be standard practice
@@Ocelot429 I think in certain parts of the USA, that’s illegal. I might be mistaken but I swearrrrr I read that a few years back
@@UncleBuck3thonestly it should be illegal. Regardless of how irresponsible I find this person, I’m all about privacy and workplaces respecting that privacy. I understand keeping a clean social media, being able to be drug tested at a moments notice, but monitoring my private finances is invasive.
Can afford a brand new RAV4 but want tax payers to pay for her student loans. Typical.
Can't afford either. If you're making payments.
@@rossta3949 But, in her head...
Typical democrat logic. Overspend then expect other people to bail you out. Sickening.
#BIDENOMICS
@@InnovativeAspirations incel level non-sequitir
"mY gEnerAtiOn CaNt AfFoRd tO bUy a hOuSe."
This is absolutely disgusting. It’s your job to allot and delegate funds based on a philanthropic need, but every single purchase you make is the definition of irresponsible. If I was her employer, I would be horrified and would probably be clenching within in of my life knowing there is a need for an immediate audit. To work in finance you should have to provide proof of your own financial literacy before playing with money that isn’t actually yours - which she does on a daily basis. The nerve.
Buying something with the intention of using it once then returning it is so shitty
Not really. Doing it with clothing is so easy
Easy, but shitty.
@@blackbutterfly233ifyyes, you're shitty
Shitty and unethical
I think a LOT of people underestimate how much debt weighs on you, how long it will take to pay off debt, and how FREE you will be once it is all gone.
I agree!!
Being debt free is important and awesome, but there will always be taxes and insurance. Those are basically annual debts that hit us all
@@Critical_Rick Taxes are not debts. They are your share of what you publicly use and benefit from staying in the state. I don't have insurance so don't hit me at all lul
Yeeh is cuz they dont know
@@sefyboy7183 It's funny you think taxes go to anything useful. 26% of tax revenue goes towards debt repayments. Our number 1 spending category. It's theft you have no ability to opt out of.
You don’t need a gym, get outside and walk, bike, hike.
Every single person I have seen in this show seems to be from another planet. Not one time have I seen someone that seems to be stable and to have it together. This is terrifying.
"Im a normal American"
*riddled with stupid consumer debt, missing payments and planning a vacation 'because Im worth it'.
Sounds right to me.
I hate that you're right about this
And obese
Yesterday I got a 10$ fast food meal and I felt guilty about it 😂
@@mithicash1444you got TAQUITOS?
Imagine this:
0 consumer debt and planning a vacation and paying the vacation off and have over 5k to spend because of savings!
Why was she not called out for this gross habit of buying things off Amazon, using them once, and then returning them? Where does she get off thinking that is ok??
She wasn't called out on it because this is a show strictly judging her finances. From a *strictly* financial standpoint, what she's doing is technically a good thing (versus just keeping the products that is), even if it's gross from a moral standpoint. It clearly makes her bank statements harder to read, though.
@@greenspectre00 that’s not true at all, Caleb calls people out for their shitty behavior all the time, financially related or not. I’m surprised he let that one slide.
@@greenspectre00 If it's just about finances then he should just recommend that people steal what they need to save money. Don't be ridiculous.
Caleb was just overwhelmed at that point tbh
I think he gave up at that point, she's clearly delusional
I've been watching videos like these and it has me shook to the point where I had to go over my finances to figure out a plan. I have $6200 of debt, but debt is debt. I'm glad I'm not drowning in debt, but it's still stressful. I cook at home, I don't go out, I only buy necessities, I don't make ridiculous purchases and I let my husband know what I'm purchasing if it's $100 (stuff that breaks at home, we have a toddler). Also I've been trying to live minimal and don't pay attention to trends or participate in the toxic consumer culture that has everyone brainwashed into thinking they need useless and unnecessary products. I love Caleb! He shames me into making better financial decisions:)
I can’t imagine her ever turning her financial life around. It would be interesting to see what she’s doing in 5 years
When Caleb said he hopes to never see Taylor Swift in concert, I could see her brain was about ready to explode. She was bewildered for the first time during this interview.
i’ve always wondered how some of these people my age can “afford” to vacation as much as they do. i now see it may just be like this😂
@@erika-dv5cy I have wondered that as well.
Yhhhh she was definitely glitching 😂😂😂😂😂
It was actually so funny 😂😂😂
she could not process that statement
$832 for her car alone is wild..
We have a Tesla X Plaid, and a Tesla Y both with all the bells and whistles and don’t pay that much for either of them 😂😂😂 I’m like WTF is wrong w these people.
@@chrissy9876You either put a significant amount of cash down or have financed for 15 years. Which is it?
Interest rates. People paying 1500 for a friggin tahoe these days.
I pay nothing but insurance and road tax. Here people don't borrow money for things that depreciate that much
@@WilC379probably followed money guys strategy Caleb brings it up all the time
Can you please do follow up audits Caleb? Be great to see those who succeed, and those who still just don’t get it! 🇦🇺
“Everyone has a little debt” 🤣 no sis, they don’t
I love that the angriest she looked in this whole episode was Caleb saying he hopes to never see Taylor Swift.
I was just about to comment lol
...like..ever 😂
Hope she writes a song about him.
Taylor swift is a mediocre person
@@DesireS3..with an amazing tour 😊
I noticed that as well 😂 I like her too but I would never dish out that much to see her. Even here in Miami, the tickets are $1500 for nosebleeds and I’m just like that’s fucking ridiculous… but in my head no concert is worth over $200.
"Just use it once and return it" i cant even put into words the rage seeing her say that so nonchalantly. We cant have a functioning society with people like that
I thought that was wild. Doesn’t Amazon flag you if you’re a habitual returner???
That’s so low, everyone pays for her wasting, they should cancel her
@@chrissy9876 not sure about Amazon but a lot of retail stores are tightening up their return policies after billions of dollars of revenue (collectively) lost. Amazon's lenient return policy forced other retailers and small businesses to accommodate consumer demand for free, no-questions-asked returns.
Her also saying “user created content but I’ll return that”
@chrissy9876 I thought it did but who knows. Maybe there's ways around it, or so many people do it they can't catch em all
I love seeing Caleb’s reactions because that’s exactly how I feel when I hear her answers 🙃🙃
“We already paid for the concert, so it’s free in my head” A living symbol of girl math. I didn’t even know it was so real 😂
Rich men want assets not liabilities.
#redpill
Rich women want assets not liabilities, what's your point?
I hope any man she dates sees this episode.
@@napakapa1046 His point is that she would be an unnecessary burden to a rich man.
@@noahkyurem yes
Poster child for why a college degree means nothing to hiring managers.
Yet, so many jobs filter out if you don't have a degree
I just wasted an hour and his final response to caleb was “I have no thoughts”🤣☠️ shoutout to caleb tho love the channel man!
her thinking she’s “better than most people financially” but being almost 70k in debt and coming on here to help her budget for her vacations told me exactly what kind of person she is
I’m tired of hearing her say good question when she doesn’t have a good answer. It’s like a work panel
Those cutaways to your hands on the keyboard killed me. Great job editing team. If Caleb edits himself, great job Caleb. Perfect way to get a joke out of a cut. You’d make Edgar Wright proud.
Thy for those vids I was over stacking my account for the past months but after finding these i want too change and I will. I don’t want too end up in debt with no savings . Thank you so much.