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Air head.Surviving but buying anything she wants,charging stuff and not paying,having jobs that she doesn't make much money...Totally irresponsible,but wants to go back to school then become business owner!!!??? Total delusion and entitlement.
And she claims that only one was her fault. I find it very hard to believe. I've been driving for decades. I've been in a couple "accidents" and all of them were my fault. Most people don't get into accidents that are not their responsibility.
@@michaelweyenberg6238 Yeah, she was so proud to say her insurance would be $130 a month. There is NO WAY that's true, she has 5 accidents, a lapse of coverage, and awful credit. Does she think Progressive doesn't know they are one of the only insurance companies that will pick you up after lapsing? She literally said she owes them back pay too for letting it lapse time after time. This is one of the most vile and delusional people that has ever been on the show.
Taking out a loan to buy a dog is crazy. Why not rescue one from a shelter? Or better yet, DON’T get an animal if you are not financially responsible!😡
The cost of medical care for a dog over it's life FAR outweighs the initial cost even if you are buying a fancy AKC purebred. If you need a loan to cover it you really shouldn't have the pet.
@@TheGreatMilksteakpeople really do need to realize that the cost of a purebred is peanuts compared to the lifetime cost of the animal. My Lab was 2 grand from the breeder but i needed 2 grand in equipment and costs 200$ a month in food and treats. Medical costs even for just trivial stuff has been hundreds of dollars for the first year and thats with insurance. It’s easily one of my largest single expenses.
@@johnny_bruhchill I wonder if….im in almost no debt…and am already living below my means…means I would like…be able to invest half of that…and like…be way better off especially when I don’t have to ask for money now.
@johnny_bruhchill honestly 40,000 would be life changing for me. Life could humble me and require me to ask for help one day - but I sure would be able to do a lot to try to become financially super safe.
@@johnny_bruhchilllmao what? Bro I make $720 a week and I haven't asked anybody for money in years 😂😂😂. I have my own place and my expenses are $1800 a month with $2900 coming in. Why haven't I had to ask anybody for money for years? Oh yeah, I also have almost 10 grand saved up. I started with 5 grand and moved into a place. I spent every penny except $220 for first last and security, and furnishing. I also am able to put in 4% of my paycheck weekly into retirement. I also smoke weed. I also like to bet sports occasionally. Why am I able to do all this? It's called budgeting and being good with your money. 1800 expenses, 300 for play, and I get to save 7-800 a month. Been doing it for 2-3 years like this.
“I have very few clothes” *has 50 outfits* “I have very little to my name” *buys an Apple Watch a computer and a Nintendo switch* “I have struggled to survive” *dad gifts her 30k* okay.
Yeah. I'm bipolar and racked up credit card debt during mania. She's driving me nuts acting like she doesn't have power to put protections in place when she's stable. Put purchase limits on things, pay your LIABILITY INSURANCE. There's no amount of mania that would have me driving on the street without the bare minimum. Both because of legal issues and the CRAZY amount of harm you're risking doing to others.
She keeps amping up she’s going to tell these “crazy” stories and then when she tells them they’re pretty normal dumb decision stories. She is exhausting
So, I got married after knowing someone for 6 months... We got divorced for some reason? That made me sad so I purchased $30K of clothes and make up. So, I had like a mental episode and just moved cities overnight unprompted and didn't realise financially that didn't make sense... So, my mum like kicked me out of my own place, somehow, and it's her fault I got married after I knew a guy for 6 months basically.
I can sympathize with some of her issues, especially having situational depression myself before, but her saying she’s had a tough life is just a victimhood mindset. Divorce is difficult but a significant portion of the population goes through it. Her life doesn’t sound any tougher than an average person’s. She just uses it as an excuse for her poor behavior.
Girl... I was in survival mode. I didn't have a cell phone, I rented a room and stayed there even though the landlady was abusive because I couldn't afford anything else, I took the bus only and walked 30min to go buy the monthly card cuz it's cheaper than paying once at a time, I finally bought a bike for $90 so I could get to classes at the university on time after 3yrs, and I kept my food to
@@rjkbunySounds like it was a tough time. But you proved that it can be done. You can be very proud of yourself. Hope you have a long happy, prosperous future. 🎉🎉🎉🎉
I think its kinda weird. As a man, I have zero interest in paying monthly to see the same girl naked. Like, its never even crossed my mind to pay for something like that. This isnt 1990 anymore.
Yep, this generation and the future ones is cooked, honestly. With the rise of social media and Ai say goodbye to any real deep interactions outside your house 😢
Well... she did work 17 hours a day at some point :P and probably 2 hours of commuting, 1 hours of food, 8 hours of sleep, and then 1 hour to go shopping.... so give the lady some credit for being busy like 30 hours a day XD
@@Edward-hn8ed I do believe, from her story, that her brain is in survival mode and never thinking about the future. As far as her real circumstances, it seems like she’s incredibly privileged and has squandered all of if thus far.
Oral birth control can cause weight gain. Same goes for PCOS, Hashimoto's or hypothyroidism. Out of control hormonal issues causing weight gain, without overeating. It is typically the poor with garbage diets who are overweight or obese, not those with decent finances.
@@jjkatz Exercise has almost no impact on body weight over a longer period of time. Diet, illnesses, hereditary factors, medication that can affect metabolism and/or sex hormones all have a far greater impact. Those are known facts. If she has PCOS, Hashimoto' s or hypothyroidism, losing weight is extremely difficult, even if the person was to exercise to the point of giving themselves injuries related to over-exercise while starving themselves, it will still not help them an awful lot. The underlying medical conditions have to be resolved or rigorously kept in check before normal loss of surplus adipose tissue can take place. Dehumanizing the obese doesn't help this process in the least. Odd that some people are this triggered by her physically unattractive body. Plus she is bipolar, if she is on any psychotropics because of it, those drugs are infamous for affecting metabolism and causing unwanted weight gain. So an additional liability.
I am at that part right now and had to come read the comments. Hasn't made one payment on that because "survival" while having the audacity to show up with those nails.
😂 and then got a car worth like $2500 for $500+/month. It's gotta be one of the craziest loans I've ever heard of... then the whole insurance debacle on top😮 insanity!
"Lived a really hard life"? Came from a 2 parent home, got $40,000 from her dad, shops without considering bills, sure as hell doesn't miss any meals, has nails, Hair and brows done... No ma'am. Just because you got a divorce doesn't equal "hard life".
And as for divorce - you can bet if she was like this in the marriage I would divorce her yesterday. She got given 45k by her dad and she blew it, and rather than having appreciation she keeps saying her life is hard??!! She lies and excuses her poor decisions. I have no doubt she was blowing apart the finances in the relationship too. Sounds like the type to not work (or barely work) because "he is the man, he should support me", and then turn around and "share" housework because "its 2024 and chores should be equal". Obviously this is a guess, but if she says she cant afford $150/wk for therapy but has $178 nails, it disgusts me.
@@Wuznoturbiznisbut having the option to casually receive $30k isn’t exactly the struggle we commonly recognize. When most people are struggling isn’t because they don’t have any lifelines fall back on. She’s only struggling because she’s incredibly dumb
@@Wuznoturbiznis They're not, I agree. But she specifically said her debt is the result of having a hard life. When in reality her debt is the result of her poor choices and money spending habits. You can give someone 30k and they can pick whether to put that towards debt and or invest it, or they can just blow it and not pay their debt etc. She's the second.
@@Wuznoturbiznis Fair point. But, again, she was given 30k, for free, with no expectations, from her parent(s). This is almost unthinkable for most people. She could have started to change her life with that money; sought help for past and current traumas, cleared up debt, and put herself on a good path. What did she do with it?
A common thread across all the guests with zero self awareness is the inability to answer a question with a simple answer. Also gotta get their life story out for a simple question. "What car do you have?" "So, funny story, three hundred years ago, my great-great-great-great grandma lived on a farm, and...[talks for five minutes straight]". Caleb: WHAT CAR? Guest: "Umm, it's actually really traumatic, basically many many years ago the universe was created..."
THANK YOU CALEB! I am 431 days clean off of Fentanyl & I was about to explode but you straightened her out. I pray she learned from this and can get on track. If someone who was on F for 8 years can get her shit together, she definitely can! She has to stop making excuses. Glad she took the step to come to you for help.
This is why I don't like the govt steal from some people to give to other people. They end up believing they deserve the free money for doing nothing. All it is doing is siphoning from the productive to give to the unproductive.
Years ago my parents went to buy a new car, they where haggling over $50 on the final price, the salesman said "it's only $50" my parents said "well if it's only $50 you pay it" and walked out of the dealership. There was a message on the answering machine when they got home, the salesman dropped the $50
Her attitude towards student loans is disgusting and tells you all you need to know. "I got nothing out of it...and the government doesn't deserve that money" wtf? YOU signed the contract now pay up!
Proverbs 17:27-28 27 He who has knowledge spares his words, And a man of understanding is of a calm spirit. 28 Even a fool is counted wise when he holds his peace; When he shuts his lips, he is considered perceptive.
Her point about what her insurance covers and doesn't cover makes no sense. I've never heard of an insurance company not wanting to pay for a therapist which is cheaper than a phycologist. Insurance companies love saving money and not spending it if they don't have to. I think she's confusing it with the in vs out of network. I'm sure they cover a therapist, the person she is seeing is likely out of network. Which makes her pay in full out of pocket.
Girl has her priorities all wrong. She's prioritising things that make her feel good temporarily (shopping etc) instead of her future and mental wellbeing. All for the temporarily dopamine hit.
I can’t be around “girl bosses” bro. She is like I’m a wrestler, a model, a p*rnstar, a freelancing interior designer, a manager, a streamer, pro gamer, aspiring astronaut, part time repo man, my mom was half cat, and bob marley smokes me out on the weekends.
I helped my cousin organize events for local political campaigns 10+ years ago. So now I have “political campaign manager” on my resume along with “fashion model” because my mom is a pattern maker and she used me as a mannequin a couple of times when I was like 10.
The fact that she says she’s been living in survival mode her whole life but her dad has handed out so much money to support her??!? This is sooo disrespectful!
NOT giving struggling family money... is really hard to do ... unfortunately. no one wants to see family crash and burn because they don't have the cash. and there is nothing you can REALLY make another person do to change their behavior or mind. you really just want to shake your family member that doesn't want to wake up... but... it is reality. it is hard to walk away from family.... there are probably underlining mental obstacles that not being addressed professionally or healthily. victim mentality, selfishness, coping behavior, anxiety,
What struck out to me is that she is diagnosed bipolar but is apparently under no medication? This could definitely contribute to major overspending and impulsivity - spending $$ like there’s no tomorrow is definitely a sign of mania.
It’s more likely a lack of discipline and self control. Parents say no to your kids, make them work. mental health diagnoses are being handed out like candy.
@@Justinian125not bipolar, it’s not like being deemed anxious or depressed by a general practitioner, there are tests and qualifications you have to meet for a psychologist to officially diagnose you with it, it can take years
This woman is insufferable. She has dramatized and overblown every normal thing that we all go through, to make herself into the hapless victim of circumstance. "My life is really hard." Jesus effing Christ. So is everyone else's.
Hi Caleb, I wanted to let you and the team know that since watching your show I’ve paid off over 25K in debt! I have a fully paid off car, my credit cards are paid off monthly, and I’m now chipping away at my student loans which are my ONLY debt!! Lastly, I just accepted a position that doubles my income and puts me into 6 figures 🎉 I applied to 17 jobs and got one of the first ones I applied for. Anyone can do this as long as they put in the effort and have some faith in theirselves!! Thank you for all that you do FinAudit team!!!
So let me get this right... Won't pay $150 a month for health insurance because it's "too much", but will buy an Apple Watch, laptop, and Nintendo Switch and pay $166 a month for it??? I'm starting to lose sympathy for Americans who are struggling financially because this show has proven time and time again people will choose luxuries and fun over basic necessities.
Credit is what is enabling peoples bad habits. Many people are convinced that its okay to take out loans and be in debt so they easily fall into it. Financial literacy needs to be a required highschool course nation wide
@@michaellopez3681 Absolutely!! I been talking abt that to my friend for years! How to balance a checkbook, budget, how a lease and a mortgage work. How DEBT and credit cards work, healthcare etc. It should be mandatory for ever high school junior and senior to take one class towards these subjects each year! The amount of adult babies walking round this place , everywhere, is staggering!!!
Honestly Caleb is so generous for even offering to pay for her first semester. That’s generosity and hopefully it will incentivize her to get her finances together
Yeah Caleb was way too nice to her tbh. She didn’t deserve anything imo. All she did was lie and blame everything and everyone except for herself. She got 45k from her father and blew it. Shes more interested in instant gratification than actually changing. Honestly this episode was really hard to get through, she was pissing me off the entire time. I can’t stand perpetual “victims”.
"ive lived a hard life". "My Dad helps me pay my bills and throws $50k at me just because im his daughter." the logic of not being responsible and wanting to be such a victim.
@@Playingwithproxies If he still wants to help he needs to have her open her accounts and directly pay on those. If she chooses to rack up even more debt that's on her, but with ppl with self control issues it can be worth a try to pay the thing off However I COMPLETELY understand if he doesn't want to give her any more $, he's gone beyond already
I will never understand why people go on this show for help and then fight every single piece of advice, even down to how many outfits someone may need..
I work in automotive, and have worked in sales. Because of that I tend to cut the B.S tell the salesman I know the numbers I’ve seen them for hellcats. Dealerships get a base model hellcat for 63,000 bucks. I will look at how long a car has been on the lot, each month is about 500 bucks in labour to keep them clean and ready for the lot. Plus 100 or so for gas because of test drives idling moving around the lot etc. Insurance is about 500. So each month a dealer loses about a grand on each used car that isn’t sold. Find a used car that is in good condition, no accidents, but poorly priced. Find similar cars from other dealers in your city that are the exact same model and mileage but a cheaper price. Even find higher end models that are around the same price and mileage. Use that information plus the cost to keep it on the lot. Let’s say 9 months so approx 9 grand, plus another grand off for other cars being cheaper. So it’s a 40 grand car. Let’s them know about the money you are positive they have already lost. Offer them 30, and say give me your offer and let’s do business. If the dealer says your offer is outrageous, let them know you already understand it’s outrageous. Tell them to come back with the offer they have.
And she did it again after being called out. "I struggled with alcohol addiction" when dealing with the divorce. Drinking excessively as a coping mechanism is not the same as being an alcoholic. I honestly don't think she's ever done anything that's been hard. She seems to default to excuses and blame anytime things get difficult
- "I have a shopping addiction", Caleb: "don't use that word, you're not an addict" - "I know what addiction means, I have a friend that has addiction", - "I meant addiction as coping" - "Both my parents have addiction" She's just a pathological liar...... I can't believe any of her "sad" story she's trying to sell, she constantly lies and tries to look good. she's just irresponsable and has been "surviving" cause daddy bails her out every single time
@eileensuki5696 that's not true. Her continuing to spend her money knowing she is unable to pay for things already, had debt racked up, doesn't have health insurance etc that is a shopping addiction. Addiction isn't linear. Some people get so bad on drugs that they have sex for them. Some people manage jobs and gave families while addicted to drugs. She clearly is bipolar and has a shopping addiction. She took the words back bc he was berating her saying she can't use that word. Her saying she could stop is something ALL addicts say, that doesn't take anything from the fact that she has put herself in an awful position due to a shopping addiction. People fall into addiction BECAUSE they lack coping skills that work and their addiction is the closest thing that helps. So her saying it's a coping skill is just another way of saying her addiction is the only thing that makes her feel good and what she's defaulted to for coping.
@eileensuki5696 Her pride is that is what I've seen a lot of addicts do. They will say "yeah but I've never been drunk at work" or "I'm not doing crack". They put a barrier down and as long as they don't cross that it's not an issue.
This one is super difficult to get through. This guest is driving me insane. She is full of it. Everything she says is a lie. She takes zero responsibility for anything she does
Another guest who utilises pointless backstories and trauma dumping to cover up over their terrible decisions. Narcissist vibes from this episode - no accountability for anything, everything is someone else's fault, zero responsibility.
I thought it was just me. I said "GIRL PLEASE!!" more times than I could count. My goodness!! She acts like life isn't "lifing" for anyone but her..smh Put your BIG GIRL pants on and GET ON WITH IT!!!!
I work for the Public Health Dept here in Houston! There’s affordable mental health services that the county offers. Would love to pass on that information to her.
I'm a therapist in NC. I'm not sure if it's the same in Texas, but here a ton of counseling practices have interns who offer counseling for a huge discount or for free. You just have to call around. My practice always has at least two interns offering counseling for a max of $35 per session and with a bunch of pro bono slots.
Those houses would be under water and poor quality and she would get robbed left and right by contractors. That buisness is no fucking joke. You fuck up you are on the line massively.
She genuinely has no interest in construction. Going into project management would be a power trip for her. She thinks that all an actual construction PM does is sit in an air-conditioned office, make phone calls, and boss people around. In other words, she just wants a cushy management job.
Huh, My version of survival mode was working 2 full time jobs, eating beans rice and whatever was on sale, renting a small room in someone else's house, driving my car once or twice a month and walking everywhere else, getting all of my entertainment( when I wasn't sleeping) from the library. How much does all that makeup she's wearing that makes her look like a vampire?
This might make me a dick, but I don't believe she struggles with any mental health issues at all. After she got called out for lying about having a shopping addiction and then went on a rant about her life being hard, I couldn't believe her. As someone who actually struggles with clinical depression, anxiety, and panic attacks, it is no excuse for me to live life irresponsibly
Yeah, I'm curious what her day to day was like if she was diagnosed depression, GAD, PTSD, and Bipolar at the age of 12. She glossed over her parents addictions but made several points that a close personal friend struggles with addiction.
I got to the part of the video where she essentially admits not to not having an addiction. So apologies! Yeah an unhealthy habit, with traits of such shopping addiction but not solely a shopping addiction
@@katiep5256 It's not even mental health issues. It's just lack of accountability and refusal to face her situation. It's laziness, it's selfishness, it's irresponsibility and it's simply refusal to grow up and adult.
Caleb, you have a great heart. The fact that you choose to not air certain individuals due to their addictions, and get them the actual help they need is amazing. Love your show!
@@Spunion95the alcohol addiction statement was complete B.S. She only started saying it after she got called out. She found out she could play that card to get more attention and sympathy. It’s so pathetic and embarrassing
@@corvettemode1556I completely agree with you....the alcohol addiction, depression, ptsd, bi polar disorder I think was all total b.s to escape accountability. You can tell she made up 80% of what she said to sound better in the moment. I'm assuming it's a normal thing with her
Yeah she said she got that 112% interest rate electronics purchase because she was denied for the card, so her bragging about not being in credit card debt isn't an accomplishment, or even lack of trying
Girl, I hope you read this comment, I get needing outfits for work and life, trust me. What you need are 6 work outfits, 4 "freedom" outfits (that's what I refer to not-work stuff). You do 6 because then you can stagger the rotation slightly and have a backup in case a tragedy strikes (spilling a drink on yourself or something). Then, after that, you need a formal-wear winter outfit and summer outfit. Wear neutral colors as they allow you to mix and match easier. Instead of paying for more outfits get things that can be layered. Your laundry will take 3 hours MAX every other week and you will be much happier. AND because you don't have as many pieces, you can get higher-end things. Shoes are the same thing, a formal pair, work pair, casual pair, athletic pair. When its time to replace the athletic pair, retire them to being the work-around-the-house pair. Purses? pair down to the seasons Fall, Winter, Summer, Spring. My biggest BIGGEST advice to you is to NOT SHOP unless you NEED TO BUY. Target is the devil. I avoid going in there. I order off the app for pickup. I don't grocery shop in there. If you go to Walmart for groceries, stick to JUST the groceries side of that store. If you buy other stuff from there, ORDER FOR PICKUP. Bipolar disorder can be very destructive financially and I 100% understand what you are going through as I have friends that struggle with it. You were very brave for going on the show. You are facing a need for therapy and a lack of money for it, but without the therapy the spending might be hard to contain, but you can do it, I've seen other people get it done! All it takes is ONE MONTH. Last tip: If the idea of checking your balances or checking account gives you anxiety, that is your clue to check them. It won't always be bad, but you need to know.
Terrific advice! I used to be afraid to check my balance but USAA (& I think other banks do this too) allows you to get balance alert texts. At first, it helped a ton to just force me to see my balance every day. Now it sends me a text for every transaction which has helped SO much to lower that threshold for scares lol
She's just going to read that first paragraph as justification to go on a shopping spree instead of utilizing the tons of perfectly good clothes she already has and ignore all the other stuff you said.
A person with multiple mental health diagnoses who moves cross country and buys whole-ass dog during manic episodes should absolutely have a dedicated psychiatrist. Not actively treating your illnesses is irresponsible.
As someone with a severe mental illness, all of these people questioning her diagnosis without knowing her at all or having anything close to a psychology degree are going to make me explode. I presented similarly to this girl while I was barely able to drive because I was hallucinating people in the street and swerving out of the way. NOT talking to the person who made the main comment - but the commenters on this comment make me sick to my stomach. Mental illness is so traumatic and is NOT just an excuse or playing victim. It is the most traumatic thing I’ve ever been through, and I’ve seen some shit.
@@KallieMaeYou make a great point. However so many people claim mental health issues as the reasons why their life is in tatters, yet they have a combo of other issues like not getting a real formal DX or seeking therapy/treatment/meds. Instead they flutter around faffing about making messy life decisions and then say "I have a mental illness...." like that makes whatever damage they've caused okay and excused. She has a me tal illness and she refuses to get help. Getting help is in fact in her reach, yet she just does not care to do it. That means any sympathy she is trying to fluff up is DOA. Loads of people have trauma and mental health struggles. It isn't necessarily anyone's fault, it doesn't make them unworthy, but it is 100% their responsibility to get help with and treat. Since she doesn't care to do that, people don't want to hear it.
It's true!! Those toad stabbers are so long, she can't do any reasonable work. Also big, fake eyelashes (like neck and face tats) are a good indicator of poor decision making.
We are getting dangerously close to guests just admitting to tax fraud in the intro. "Hi, my name is XXX, XX years old out of XXX, I commit tax fraud, and this is Financial Audit."
Omg right? I’m glad I work for the Canadian IRS or else I’d have to report every episode I watch! On that note I rescind my prior request that Caleb have Canadians on.
@@latulip100to be honest, I don’t think there are any concerns. No one on this show makes enough money to warrant their attention. Edit: Ok, no car insurance what the f… that’s a problem.
Not sure if you'll see this Caleb but what the "Buy Here, Pay Here" car place does with people like this is put in as a $23K loan, on a $13k car, pocket $10k as an insurance policy, and sell the 13k loan out to somebody else, probably for 6-7k, let them deal with the headache and they made $16-17k. That's the reason they can't send her the loan agreement, because it is highly illegal and all she got to go by is her words.
My brother is a drug addict that nearly died several times until being forced into in-patient rehab and you could have easily sat him down and said “stop making excuses for yourself, you’re not an addict, you’re making bad choices” like Caleb did… we don’t know this girl and we are not therapists. This is a ridiculous thing to say.
@@KallieMae but I am. She is lying. Its a self pacifying behaviour, but not an addiction. If she is seeing a therapist and paying for it, she needs to find a different one, as that one is a sham.
@@KallieMae Addiction is not a real thing, only a consequence of poor self discipline. Simply choose not to do the thing you're "addicted" to, it is really that simple. Speaking from experience.
@@blankspace2451but you are what? A therapist? If you’re a therapist then you should know better than to try and diagnose someone you’ve never met and put her down like that making assumptions about someone you don’t know. I’m so thankful my therapist wasn’t like you when I came in and told her I was 30-60 minutes late for work everyday and getting fast food multiple times every day. Instead of telling me to work harder to make my life better she started asking questions and realised I was balls deep into one of the worst episodes of psychotic depression she’d ever seen. And I would have presented VERY similarly to this girl at the time as well. Medication saved my life.
*who wants to bet she has never bought anything 2nd hand in her life. buying from a breeder while shelter pets die - she 100% did not want a friend. all her problems stem from being an unethical person.*
I have a big galooph of a dog who cost 120 in his adoption fee, and he was worth every penny. 1,500 is ridiculous money for adopting a dog. If it's stuff like medical needs that's one thing.
Yeah and she’s a habitual liar who will say literally anything to avoid accountability and responsibility. As a 28 year old who has been diagnosed with Bi-Polar Disorder Type 1 for over a decade, it’s really hard to take her seriously. I’m not one to question people’s diagnosis’s but something about her leaves me doubting her entire story. There’s literally a thousand lies, contradictions and excuses. If she knows she has issues, go get the help and medicine like the rest of us. She legitimately pissed me off. She could have used that 45k to pay for health insurance, school and paying off her debt, but I guess clothes and fast food were more important…
Maybe I didn’t get to that part yet, but she either hasn’t paid for one lately…or her fake tan is washing right off in the shower. She’s as bright as a 100 watt light bulb!💡
I am a recovering heroine addict. Im 12 years clean. So I can most certainly confirm with Caleb that there is an ever increasing number of people in America yoday who say they have addiction or some kind of mental disease, but all it really is, is laziness. Thank you Caleb. Thank you for making it a point to actually bring that up and force people to own up to their behaviors and attitudes.
I didn't ask my dad for money! I just called him everyday to tell him I'm struggling and he finally got the hint. Now I can walk around with my head held high because I never asked him for help. 🙄
Hard life but your dad gives you $40,000?!?! Not that money solves everything but you clearly have a support system. Why not ask him to help you get therapy with that money?
$178 on nails is INSANE! I got a “hybrid gel” kit on Amazon for $20 and learned to do them myself. It’s lasted me a year and I like my results better than what I was getting at the salon.
When she said she was a "manager" of a bar i swear to God i said out loud, "no you're not" lol. Like my gut told me that was a lie. Then right after she says she makes $5/hour plus tips and he questions her on that being what a MANAGER makes, and then WOULDN'T YOU KNOW IT😱..... now all of a sudden she's really kinda sorta more of a "Lead slash manager"...... Which means she's a Lead. This girl is a trip man. I'd be afraid to know her in real life. She just seems dangerous. The way lies just roll off her tongue throughout this entire interview is fkn scary 😂
She is knees deep still in the insane LinkedIn title bloating. I wish humanity got over that. If you keep acting like you are doing better than you are, nobody will want to help you when you struggle. So many poor people are still acting rich, it's insane. Showing off ugly stuff, ugly hair, ugly nails, looking like a clown. Trying to live like a rich person on 5 dollars an hour.
It’s a recurring theme where guests just won’t say outright what they do. They dress up the language to give the impression that their job is more than what it really is. It’s always something like, “I work in logistics for a major delivery service” like bruh just say you do Uber Eats, it’s okay.
Bingo. She also didn't work 17-18 hours a day. I've worked 63-70 hours a week for the last four consecutive months. That's a lot less than what she's claiming and even doing what I do would break her in a week.
Thanks for calling her out about the “addiction” it REALLY upsets me when people use it as a throwaway label for any behaviour they dont want to be challenged over
She tried to back track so hard, like "oh, I have a friend so I totally understand how serious it is." If you understand why did you say it over and over?
I'm a therapist and I see this all the time too. I always encourage people to unsave their credit card from everything on their computer. It's surprising how many people won't get up and get their credit card from across the room even if they struggle with a spending problem. Helps to break the cycle.
It really matters where you live. Like in California if you can't afford it you can easily find therapy and healthcare free or for about $15 an appointment. If you truly cannot afford health insurance you will be provided MediCal and given a long list of providers to choose from. They cover a wide range of mental health treatments. And if you don't qualify for MediCal but struggle to afford it on your own Covered California can help get you a better rate for insurance. I'm not sure about how it is where she lives but lots of therapists do sliding scales.
These long winded,circular explanations are exhausting. The car, the insurance/therapy, the closet/shopping, none of this is justification. It’s just bs.
The "moved in the middle of the night" really got me... as that made it sound like she... burnt the house down and fled tbh... and pair that with "I don't have any clothes..." paired with "I have 200 pairs of designer clothes at home in boxes... so I HAD to blow 40000 on new clothes, as it was IMPOSSIBLE to ship a box here." is just... impressive.
Tbf it probably looks fine under normal light. Production lighting always looks terrible on heavy makeup unless it's specifically done for professional lighting setups.
For real. I got issues too but watching these is helping me draw the distinction between what is actually my illness and what is just me being an idiot. Learning from others' mistakes over here!
The 26 yr old woman who’d father handed her a total of 45k says “She’s had a hard life”!? No she’s just spoiled and irresponsible! She’s acts as if someone’s coming to save her. NEWSFLASH: No one’s coming!
Except Caleb literally came to her rescue. I’m not knocking him for doing an amazing thing, but I personally don’t feel like she was worthy of his generosity. There’s so many hardworking, genuinely down on their luck people who made a few bad choice that could use that help more… she’s just a spoiled brat who refuses to take accountability for literally anything.
bipolar. depression, anxiety and PTSD. you know... if ever there was a constellation of diagnosis that screams "im not really mentally ill im just irresponsible and cant handle any kind of pressure at all because im an emotional child" its those. the reason youre not finding a medication that helps is not because of your bipolar because you dont have bipolar. you are having normal swings of mood an energy as a maladaptive stress response because you never learned how to be an adult. its not a disorder. you just have no idea how to handle responsibility so you do things impulsively and it looks like mania. moving in the middle of the night is not mania. its not even hypomania. bipolar mania is excessive dangerous risk taking, going several nights without sleep. gambling your life away, speeding 110 mph down the highway. MANIA is complete dissociation from risk as an escape. and when it wears off because you have to come down you become immensely drained, and tired, and you go into a depressive rut where you dont even have the energy to get out of bed. you are not bipolar. youre irresponsible and you justify it by making yourself feel special by clinging to labels. i suppose technically this DOES make you mentally ill but its none of the diagnosis you have. i get so sick and fed up with everyone having diagnosed anxiety and depression and bipolar and PTSD. i WAS diagnosed bipolar type 2 at one point. i was briefly medicated and went through therapy for about two years. i was NEARLY diagnosed with PTSD for the event that caused my bipolar episode. luckily i was never fully manic, i had hypomania. the reason i wasnt diagnosed with PTSD was because i dont have full blown dissociative flashbacks. i have every other symptom including unregulated physiological reactions to a specific environment or atmosphere which were measured physically.
She has no clue about her vehicle. She financed $15k, the current balance is the ~$13.5k. The $23k she’s quoting (which is also wrong) is the total cost including interest over the life of the loan. She has GAP insurance, which only covers the difference between what the car insurance will payout for the vehicle and the loan in the event the vehicle is totaled. HOWEVER, there is 100% a clause in the GAP policy that states if she doesn’t have insurance they will not pay out.
Yep, she needs to understand that she has NO coverage right now. Girlfriend just needs to allow them to repo the car and ride the fucking bus. She can’t afford the car or the insurance, especially with her record.
Caleb can't know everything, but he needs to study up on issues like this, because a lot of young and old, dumb kids will come on here and not understand and not have read the conditions of GAP insurance. Driving in Houston is way too risky for her to be driving with no coverage.
Not to mention, most GAP insurance has a maximum. She mentioned Progressive, their gap will pay up 25% of the cash value of the vehicle to help pay off the loan. 25% of $1300 will not pay off a $15000+ loan
She NEEDS to prioritize seeing a psychologist on a regular basis ASAP. I have bipolar disorder and if I wasn't on my meds I'd be in her shoes right now. Can guarantee that all this impulsive spending will improve if she just finds the right meds and a good psychologist - she spends money as a coping mechanism when she's depressed, but when she's manic she also spends money because with mania comes impulsive behaviour, spending unnecessary money is super common. I for real think her issues will start improving if she just starts getting her mental health in check and works from there.
She could have adopted for $50. As soon as I heard this tidbit I went from disliking her to basically hating her. $1500 means a boutique breeder dog, completely unnecessary.
My guess is, she’s gotten denied from others as well. She’d have to start off with a pre-paid through Capital One, until she proves she is trust worthy…which she is NOT!
As someone that was like this in my early 20s, then realized I didn’t act like a “normal” human being, I got therapy. Diagnosed bipolar and adhd. Medication helped remove my head from my ass and stop being so incredibly impulsive. Go to therapy, it can make a huge difference in the quality of your life.
I know for a fact what pushed Caleb over the 1M subscriber count were all the IRS and Car Insurance Fraud Investigators being directed to this channel 😂
To be fair she admitted to like what $2000 of undeclared income a year and she's low income, so what's like 20% taxes on $2k. IRS probably only missed out on $400 of tax, that's probably less than what an auditor makes per day. They are going to spend $4k over two weeks to get their $400 back.
@@tkatrich3yeah they would definitely ignore it, but they'll let that shit build up until it is worth garnishing wages. Or if it goes undetected long enough, court.
Pathological lying, using every excuse to not have accountability, hard life claim, addiction claims… thank you Caleb for not giving her leeway. Probably the first person to do that to her.
Does not surprise me. I am cashier at “W” you would be surprised (stunned actually) the number of people that do not think NOT scanning something is stealing!! Called self delusion. Had a lady tell me yesterday that she did not scan $70 worth of school supplies because she was in a hurry. She wasn’t stealing just in a hurry!! Self delusion.
yeah, what's up with that? Like, Caleb says, you signed up for it, you owe it!! But what reallly blows me away is that Caleb offered to pay for her college tuition after she blew all the money her Dad gave her AND doesn't have car insurance AND works only 32 hours a day AND spends gobs of money on long nails and designer dogs and outfits AND has had 5 car accidents (only 1 was her fault) AND has stuff in collections etc. etc.
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🤦♂️ The list of ‘diagnoses’ AFTER you had to argue with her that she NeEDeD mental help….
👏👏👏 You nailed it early on 🫡
@@BestShootermanUbz this is free and always will be. Nothing we have made for free will be put behind a paywall. This is NEW and BONUS content that helps us grow and hire more people to make the main show better ❤
I’ll make it a line item in my budget as soon as I get back from vacation next week and can tally everything up for next month. 💋 mwah
Air head.Surviving but buying anything she wants,charging stuff and not paying,having jobs that she doesn't make much money...Totally irresponsible,but wants to go back to school then become business owner!!!??? Total delusion and entitlement.
@@BestShootermanUbz i will bing watch all of them next year.. 😅😅 i will only pay for 1 month😅😅
My man's accumulated 1.2m subs on people's inability to look away from a train crash
It’s so bad it’s funny
The kitchen nightmares of personal finance
Everyone loves a train wreck
Yes. But it makes me feel bad all day.
Student loans? For a "Lead" at a bar?
Being in 5 car accidents and not seeing the value in insurance is wild.
It would probably cost her $400/ month.
@@michaelweyenberg6238bruh the state minimum for her is probably like $800 bucks
And she claims that only one was her fault. I find it very hard to believe. I've been driving for decades. I've been in a couple "accidents" and all of them were my fault. Most people don't get into accidents that are not their responsibility.
@@maemorriMy wife gets bumped once a year or so. Every time it's been a high school kid and she's been stopped 😂😂
@@michaelweyenberg6238 Yeah, she was so proud to say her insurance would be $130 a month. There is NO WAY that's true, she has 5 accidents, a lapse of coverage, and awful credit. Does she think Progressive doesn't know they are one of the only insurance companies that will pick you up after lapsing? She literally said she owes them back pay too for letting it lapse time after time. This is one of the most vile and delusional people that has ever been on the show.
Taking out a loan to buy a dog is crazy. Why not rescue one from a shelter? Or better yet, DON’T get an animal if you are not financially responsible!😡
EXACTLY !!!
The cost of medical care for a dog over it's life FAR outweighs the initial cost even if you are buying a fancy AKC purebred. If you need a loan to cover it you really shouldn't have the pet.
@@TheGreatMilksteakpeople really do need to realize that the cost of a purebred is peanuts compared to the lifetime cost of the animal. My Lab was 2 grand from the breeder but i needed 2 grand in equipment and costs 200$ a month in food and treats. Medical costs even for just trivial stuff has been hundreds of dollars for the first year and thats with insurance. It’s easily one of my largest single expenses.
Don’t ever rescue a dog, they are horrible.
And then get rid of it because you can’t take care of it
If I was given 40K ONCE I wouldn’t need to ask for money from someone again.
You clearly haven’t had money if you think it worked like that
@@johnny_bruhchill I wonder if….im in almost no debt…and am already living below my means…means I would like…be able to invest half of that…and like…be way better off especially when I don’t have to ask for money now.
@johnny_bruhchill honestly 40,000 would be life changing for me.
Life could humble me and require me to ask for help one day - but I sure would be able to do a lot to try to become financially super safe.
@@johnny_bruhchill You're clearly irresponsible with your money if you can't see how that's possible.
@@johnny_bruhchilllmao what? Bro I make $720 a week and I haven't asked anybody for money in years 😂😂😂. I have my own place and my expenses are $1800 a month with $2900 coming in. Why haven't I had to ask anybody for money for years?
Oh yeah, I also have almost 10 grand saved up.
I started with 5 grand and moved into a place. I spent every penny except $220 for first last and security, and furnishing.
I also am able to put in 4% of my paycheck weekly into retirement.
I also smoke weed.
I also like to bet sports occasionally. Why am I able to do all this?
It's called budgeting and being good with your money. 1800 expenses, 300 for play, and I get to save 7-800 a month. Been doing it for 2-3 years like this.
“I have very few clothes” *has 50 outfits*
“I have very little to my name” *buys an Apple Watch a computer and a Nintendo switch*
“I have struggled to survive” *dad gifts her 30k*
okay.
It was 45k total that her dad gifted her. I think this might have been one of the crazier episodes.
Yeah. I'm bipolar and racked up credit card debt during mania. She's driving me nuts acting like she doesn't have power to put protections in place when she's stable. Put purchase limits on things, pay your LIABILITY INSURANCE. There's no amount of mania that would have me driving on the street without the bare minimum. Both because of legal issues and the CRAZY amount of harm you're risking doing to others.
@lizzyblitz07 the difference is you think about other ppl, this chick revolves around herself
So happy someone brought up the 30k….. that was given to her
Sir you forgot the other 15k and the "random stuff he covers" :-)
She keeps amping up she’s going to tell these “crazy” stories and then when she tells them they’re pretty normal dumb decision stories. She is exhausting
So, I got married after knowing someone for 6 months... We got divorced for some reason? That made me sad so I purchased $30K of clothes and make up.
So, I had like a mental episode and just moved cities overnight unprompted and didn't realise financially that didn't make sense...
So, my mum like kicked me out of my own place, somehow, and it's her fault I got married after I knew a guy for 6 months basically.
Accurate! 😂
@@jacobday3826modern. western. women.
Indeed😅😅😅
You must not be from the Midwest
“I’ve been in survival mode most of my life”
Not 10 min ago she talked about how her dad gave her $45,000……..the delusion is strong in this one
Right 😂 I wish I had that type of support 😂 she is so screwed
Exactly
I’ve never been given money (other than celebrations) and I’ve had a way harder life than her. Our generation is weak
I can sympathize with some of her issues, especially having situational depression myself before, but her saying she’s had a tough life is just a victimhood mindset. Divorce is difficult but a significant portion of the population goes through it. Her life doesn’t sound any tougher than an average person’s. She just uses it as an excuse for her poor behavior.
Surviving her own decisions
Girl... I was in survival mode. I didn't have a cell phone, I rented a room and stayed there even though the landlady was abusive because I couldn't afford anything else, I took the bus only and walked 30min to go buy the monthly card cuz it's cheaper than paying once at a time, I finally bought a bike for $90 so I could get to classes at the university on time after 3yrs, and I kept my food to
I'm proud of you for making it through that phase. I hope you are reaping the fruits of your labour now.
@@brightonuprach Thank you for being so kind! Finished college and med school since then. Just a few years until finally more financial stability :)
@@rjkbunySounds like it was a tough time. But you proved that it can be done. You can be very proud of yourself. Hope you have a long happy, prosperous future. 🎉🎉🎉🎉
Damn why not just get a job?
@@Deepstatedebatehow do you think they got money to rent a room and buy a bike ? 🤡
Shopping at Victoria's Secret, eating at Panda express, and spending $178 bucks on nails = Survival Mode...
when she works at a restaurant and gets food next to free
She’s got not business being in Victoria Secret.
But she's an OF model, she needs her nails!! 💅
Don’t forget that she can’t afford her very necessary therapy!
Hard life getting 40k from dad
If I had $1 for every guest that either watched OF, or had their own OF account, I could cash-flow my own Taquito manufacturing business.
I'll invest in your business if you can make buffalo chicken taquitos
I think its kinda weird. As a man, I have zero interest in paying monthly to see the same girl naked. Like, its never even crossed my mind to pay for something like that. This isnt 1990 anymore.
You'd have around $7
Yep, this generation and the future ones is cooked, honestly. With the rise of social media and Ai say goodbye to any real deep interactions outside your house 😢
You’d have like $5 it rarely comes up
This girl is abusing the word "survive".
Let's not be dramatic. You're just irresponsible.
I'm curious how often she was going out to eat when she was in "survival mode".
Show someone from a Third World country this and tell them she's in "survival mode." What kind of work are you doing with those nails?
Well... she did work 17 hours a day at some point :P
and probably 2 hours of commuting, 1 hours of food, 8 hours of sleep, and then 1 hour to go shopping.... so give the lady some credit for being busy like 30 hours a day XD
Survivors are a dying breed
@@Edward-hn8ed I do believe, from her story, that her brain is in survival mode and never thinking about the future. As far as her real circumstances, it seems like she’s incredibly privileged and has squandered all of if thus far.
When I was poor, I lost weight cuz I was afraid to eat too much food at once and run out early. All these people look very well fed.
Thats me now I moved in to help my mom and she's draining my bank account
Oral birth control can cause weight gain. Same goes for PCOS, Hashimoto's or hypothyroidism. Out of control hormonal issues causing weight gain, without overeating.
It is typically the poor with garbage diets who are overweight or obese, not those with decent finances.
Hyperpalitable food has people basically addicted
@@JMOlsen_excuses. She needs to eat less and exercise more.
@@jjkatz Exercise has almost no impact on body weight over a longer period of time. Diet, illnesses, hereditary factors, medication that can affect metabolism and/or sex hormones all have a far greater impact.
Those are known facts.
If she has PCOS, Hashimoto' s or hypothyroidism, losing weight is extremely difficult, even if the person was to exercise to the point of giving themselves injuries related to over-exercise while starving themselves, it will still not help them an awful lot. The underlying medical conditions have to be resolved or rigorously kept in check before normal loss of surplus adipose tissue can take place. Dehumanizing the obese doesn't help this process in the least. Odd that some people are this triggered by her physically unattractive body.
Plus she is bipolar, if she is on any psychotropics because of it, those drugs are infamous for affecting metabolism and causing unwanted weight gain. So an additional liability.
The $178 on nails and eyebrows while talking about not being able to pay for necessities is WILD
With a double chin lol
take it easy on her guyssssss shes on survival modee and her life is soooo hard
but shes had such a hard life!
She could easily learn to do her own nails and save money in the long run if she needs nails that badly.
The worst part was she looked proud when he said her nails
The second I heard she turned a $900 purchase into a $2k debt I knew this was going to be wild.
@@Storming32 sometimes I wonder if these people understand math.
I am at that part right now and had to come read the comments. Hasn't made one payment on that because "survival" while having the audacity to show up with those nails.
And then she did it all while not having car insurance for 2 months already!
@@candacet8672oh, I haven’t gotten that far yet. Wonder if I can watch this entire train wreck
😂 and then got a car worth like $2500 for $500+/month. It's gotta be one of the craziest loans I've ever heard of... then the whole insurance debacle on top😮 insanity!
"Lived a really hard life"? Came from a 2 parent home, got $40,000 from her dad, shops without considering bills, sure as hell doesn't miss any meals, has nails, Hair and brows done... No ma'am. Just because you got a divorce doesn't equal "hard life".
Right?!?!?
And as for divorce - you can bet if she was like this in the marriage I would divorce her yesterday. She got given 45k by her dad and she blew it, and rather than having appreciation she keeps saying her life is hard??!!
She lies and excuses her poor decisions. I have no doubt she was blowing apart the finances in the relationship too.
Sounds like the type to not work (or barely work) because "he is the man, he should support me", and then turn around and "share" housework because "its 2024 and chores should be equal".
Obviously this is a guess, but if she says she cant afford $150/wk for therapy but has $178 nails, it disgusts me.
Tori Spelling syndrome😂
Meals will never be missed
@@mmmd3429 cant b missed if they never leev! 😂
The fact that Caleb helps and offers to cover stuff as long as the person starts to help themselves is awesome.
Caleb cares enough about people that I don't have to
"I've lived a really hard life and been in survival mode" & "My dad gave me $30,000" are two wild statements.
Well, those things aren’t mutually exclusive lmao receiving $30k doesn’t suddenly make traumatic experiences go away lmao
@@Wuznoturbiznis you’re not in survival mode with 30k in the bank account. Get up go to work and invest the 30k to grow
@@Wuznoturbiznisbut having the option to casually receive $30k isn’t exactly the struggle we commonly recognize. When most people are struggling isn’t because they don’t have any lifelines fall back on. She’s only struggling because she’s incredibly dumb
@@Wuznoturbiznis They're not, I agree. But she specifically said her debt is the result of having a hard life. When in reality her debt is the result of her poor choices and money spending habits. You can give someone 30k and they can pick whether to put that towards debt and or invest it, or they can just blow it and not pay their debt etc. She's the second.
@@Wuznoturbiznis Fair point. But, again, she was given 30k, for free, with no expectations, from her parent(s). This is almost unthinkable for most people. She could have started to change her life with that money; sought help for past and current traumas, cleared up debt, and put herself on a good path. What did she do with it?
A common thread across all the guests with zero self awareness is the inability to answer a question with a simple answer. Also gotta get their life story out for a simple question.
"What car do you have?"
"So, funny story, three hundred years ago, my great-great-great-great grandma lived on a farm, and...[talks for five minutes straight]".
Caleb: WHAT CAR?
Guest: "Umm, it's actually really traumatic, basically many many years ago the universe was created..."
Zero self awareness that no one wants to hear even one single story.
"Except some people think the universe was created only a few years ago. Have you ever looked into the truth about the flat Earth?"
Most accurate comment I’ve ever read
They created narratives in their minds to justify their lack of discipline and free themselves of personal responsibilities and guilt
Once upon a time Adam met eve and my family began 😂then they had kids and there kids had kids three hours later and then I was born
She owes $20,000 for a car worth $1,300 at a 28% interest that feels like something straight out of Black Mirror
Capitalism!
@@grabka1984 You can't blame capitalism for someone being an stupid and irresponsible as her.
Idiots love to hand wave bad financial habits on capitalism. These people would be screwed no matter what economic system we have
@@grabka1984you think it's capitalism 😂 that's hilarious
@@grabka1984 riiiiiiiiiiiiiiiiight…..
THANK YOU CALEB! I am 431 days clean off of Fentanyl & I was about to explode but you straightened her out. I pray she learned from this and can get on track. If someone who was on F for 8 years can get her shit together, she definitely can! She has to stop making excuses. Glad she took the step to come to you for help.
Congratulations on your journey! That takes an insane amount of determination!! 🎉
You got this mama, stay strong. You are important and loved and we WANT you here. Don’t give up♥️
431 days is so amazing 🎉🎉🎉
Congratulations 🎉🎊💛
Congratulations - stay strong! ❤
"It's just $3000. They should forgive it." It's just $3000. You should pay it!
This is why I don't like the govt steal from some people to give to other people. They end up believing they deserve the free money for doing nothing. All it is doing is siphoning from the productive to give to the unproductive.
😂 the Grinch's brain grew three sizes that day
Years ago my parents went to buy a new car, they where haggling over $50 on the final price, the salesman said "it's only $50" my parents said "well if it's only $50 you pay it" and walked out of the dealership. There was a message on the answering machine when they got home, the salesman dropped the $50
Exactly! I was thinking the same thing.
Her attitude towards student loans is disgusting and tells you all you need to know. "I got nothing out of it...and the government doesn't deserve that money" wtf? YOU signed the contract now pay up!
So far this audit reminds me of the quote “It's better to keep your mouth shut and appear stupid than open it and remove all doubt”
That's a good one. A similar one is " an empty can rattles the loudest".
Proverbs 17:27-28
27
He who has knowledge spares his words,
And a man of understanding is of a calm spirit.
28
Even a fool is counted wise when he holds his peace;
When he shuts his lips, he is considered perceptive.
To be fair, this is probably the longest she's gone with her mouth open and food _wasn't_ going in...
Empty barrels make the most noise.
@@AmbuBadgerimagine food being 30% of your monthly expenses 😮
If she can afford nails and Sephora, she can afford therapy.
But muh survival!
Her point about what her insurance covers and doesn't cover makes no sense. I've never heard of an insurance company not wanting to pay for a therapist which is cheaper than a phycologist. Insurance companies love saving money and not spending it if they don't have to.
I think she's confusing it with the in vs out of network. I'm sure they cover a therapist, the person she is seeing is likely out of network. Which makes her pay in full out of pocket.
Girl has her priorities all wrong. She's prioritising things that make her feel good temporarily (shopping etc) instead of her future and mental wellbeing. All for the temporarily dopamine hit.
B-b-but she has a shopping addiction!
Yeah. No insurance is gonna deny you mental health help. They want your money for the next 40+ years. They don't want you die. @@ShibaInuGoddess
I can’t be around “girl bosses” bro. She is like I’m a wrestler, a model, a p*rnstar, a freelancing interior designer, a manager, a streamer, pro gamer, aspiring astronaut, part time repo man, my mom was half cat, and bob marley smokes me out on the weekends.
I helped my cousin organize events for local political campaigns 10+ years ago. So now I have “political campaign manager” on my resume along with “fashion model” because my mom is a pattern maker and she used me as a mannequin a couple of times when I was like 10.
Part time repo man took me out 😂
The fact that she says she’s been living in survival mode her whole life but her dad has handed out so much money to support her??!? This is sooo disrespectful!
Seriously. Imagine if she invested and saved that money instead of spending it on useless shit.
I've got PTSD and even I don't call myself a survivor. She's just a narcissist.
NOT giving struggling family money... is really hard to do ... unfortunately.
no one wants to see family crash and burn because they don't have the cash.
and there is nothing you can REALLY make another person do to change their behavior or mind.
you really just want to shake your family member that doesn't want to wake up... but... it is reality.
it is hard to walk away from family....
there are probably underlining mental obstacles that not being addressed professionally or healthily.
victim mentality, selfishness, coping behavior, anxiety,
You do understand that abuse can also happen in wealthy families? Even abusive parents act like parents?
That just means she's terrible at survival.
Her continuously saying that she can’t afford to pay her bills while having her nails done is SO CRAZY
You can’t afford not to pay your bills 💸 😮
@@hiimamustacheo literally!!!
Right! Her priorities aren't straight.
Health insurance would cost as much as tho God awful nails
What struck out to me is that she is diagnosed bipolar but is apparently under no medication? This could definitely contribute to major overspending and impulsivity - spending $$ like there’s no tomorrow is definitely a sign of mania.
Buying a dog on an impulse (especially for 1500) too is a major sign
It’s more likely a lack of discipline and self control. Parents say no to your kids, make them work. mental health diagnoses are being handed out like candy.
@@Justinian125not bipolar, it’s not like being deemed anxious or depressed by a general practitioner, there are tests and qualifications you have to meet for a psychologist to officially diagnose you with it, it can take years
As someone with bipolar schizoaffective and tanked my credit before diagnosis, yeah. I agree
Maybe that's what is making her smile like a grinning idiot when she gets ready to tell another "funny" story.
This woman is insufferable. She has dramatized and overblown every normal thing that we all go through, to make herself into the hapless victim of circumstance. "My life is really hard." Jesus effing Christ. So is everyone else's.
Hey! She's had a hard life, ok?!?
The number of people that see paying credit card/loan payments as “giving money away” is wild. YOU ALREADY SPENT THAT MONEY.
IT ISN'T YOUR MONEY ON PAYDAY is also something lost on people. It's insane to me. But I do love choo choo trainwrecks.
So many of these folks seem to think it is extra income. You are BORROWING it. This is your paycheck money you haven't even received yet.
Well it is giving away money when you use the card as you're going to be paying interest for this money. But paying the bill, yes I agree with you
Hi Caleb, I wanted to let you and the team know that since watching your show I’ve paid off over 25K in debt! I have a fully paid off car, my credit cards are paid off monthly, and I’m now chipping away at my student loans which are my ONLY debt!!
Lastly, I just accepted a position that doubles my income and puts me into 6 figures 🎉
I applied to 17 jobs and got one of the first ones I applied for.
Anyone can do this as long as they put in the effort and have some faith in theirselves!! Thank you for all that you do FinAudit team!!!
Great job! Best of luck on the new job!
Amazing! So happy for and proud of you! Congratulations!!!
You deserve all good things!
So let me get this right... Won't pay $150 a month for health insurance because it's "too much", but will buy an Apple Watch, laptop, and Nintendo Switch and pay $166 a month for it??? I'm starting to lose sympathy for Americans who are struggling financially because this show has proven time and time again people will choose luxuries and fun over basic necessities.
Nails for 180$🌈
To be fair, it doesn't look like she planned on paying for those electronics, seeing on how she still hasn't made the first payment
Credit is what is enabling peoples bad habits. Many people are convinced that its okay to take out loans and be in debt so they easily fall into it. Financial literacy needs to be a required highschool course nation wide
@@michaellopez3681 Absolutely!! I been talking abt that to my friend for years! How to balance a checkbook, budget, how a lease and a mortgage work. How DEBT and credit cards work, healthcare etc. It should be mandatory for ever high school junior and senior to take one class towards these subjects each year! The amount of adult babies walking round this place , everywhere, is staggering!!!
Dont feel bad for this person nor many Americans. They don't have to he in these bad situations but some Americans r getting fkd barely getting by
Honestly Caleb is so generous for even offering to pay for her first semester. That’s generosity and hopefully it will incentivize her to get her finances together
$40000 from her dad didn't incentive anything....doubt his generosity will.
Yeah Caleb was way too nice to her tbh. She didn’t deserve anything imo. All she did was lie and blame everything and everyone except for herself. She got 45k from her father and blew it. Shes more interested in instant gratification than actually changing. Honestly this episode was really hard to get through, she was pissing me off the entire time. I can’t stand perpetual “victims”.
"ive lived a hard life". "My Dad helps me pay my bills and throws $50k at me just because im his daughter." the logic of not being responsible and wanting to be such a victim.
If her dad was smart he would never give her a single cent
@@Playingwithproxies If he still wants to help he needs to have her open her accounts and directly pay on those. If she chooses to rack up even more debt that's on her, but with ppl with self control issues it can be worth a try to pay the thing off
However I COMPLETELY understand if he doesn't want to give her any more $, he's gone beyond already
@@Playingwithproxiestbh I'm a bit perplexed why her dad doesn't get her working for him for money, given its her career goal.
That's how women like this live, pretend they have a hard life while being the most spoiled people on the planet
@@Jjbellaton14782because it would be a nightmare.
I've lived a hard life. My daddy only gives me $20,000 a year for no reason
Praying for you 🙏
Daddy's lil princess on OF 😅
Hey thats her "passive" income😂😂@@germs951
I will never understand why people go on this show for help and then fight every single piece of advice, even down to how many outfits someone may need..
Literally she’s like I’m here to get help. Is defending every single thing she says…it’s exhausting
40k would change my life. I wish my parents or grandparents would give me cash like that.
Turning up, for them, is a big step. Not everyone is ready for change just because caleb is offering you that chance
They're desperate for ATTENTION
I work in automotive, and have worked in sales.
Because of that I tend to cut the B.S tell the salesman I know the numbers I’ve seen them for hellcats. Dealerships get a base model hellcat for 63,000 bucks.
I will look at how long a car has been on the lot, each month is about 500 bucks in labour to keep them clean and ready for the lot.
Plus 100 or so for gas because of test drives idling moving around the lot etc.
Insurance is about 500. So each month a dealer loses about a grand on each used car that isn’t sold.
Find a used car that is in good condition, no accidents, but poorly priced. Find similar cars from other dealers in your city that are the exact same model and mileage but a cheaper price.
Even find higher end models that are around the same price and mileage.
Use that information plus the cost to keep it on the lot. Let’s say 9 months so approx 9 grand, plus another grand off for other cars being cheaper.
So it’s a 40 grand car. Let’s them know about the money you are positive they have already lost. Offer them 30, and say give me your offer and let’s do business.
If the dealer says your offer is outrageous, let them know you already understand it’s outrageous. Tell them to come back with the offer they have.
This is hella smart. Thank you!
I appreciate you calling her out on using the word "addiction." People love to throw that one around.
And she did it again after being called out. "I struggled with alcohol addiction" when dealing with the divorce. Drinking excessively as a coping mechanism is not the same as being an alcoholic. I honestly don't think she's ever done anything that's been hard. She seems to default to excuses and blame anytime things get difficult
That and mental health issues.
- "I have a shopping addiction",
Caleb: "don't use that word, you're not an addict"
- "I know what addiction means, I have a friend that has addiction",
- "I meant addiction as coping"
- "Both my parents have addiction"
She's just a pathological liar......
I can't believe any of her "sad" story she's trying to sell, she constantly lies and tries to look good.
she's just irresponsable and has been "surviving" cause daddy bails her out every single time
I'm sure if her dad knew she was screwing guys on camera for OF he would stop bailing her out.
If her dad wins 50k and gives you like 40k of it he's probably not an addict.
My thing is. If she had a real addiction she would do anything to keep buying. That would include getting a credit card. And a lot lot more debt.
@eileensuki5696 that's not true. Her continuing to spend her money knowing she is unable to pay for things already, had debt racked up, doesn't have health insurance etc that is a shopping addiction. Addiction isn't linear. Some people get so bad on drugs that they have sex for them. Some people manage jobs and gave families while addicted to drugs. She clearly is bipolar and has a shopping addiction. She took the words back bc he was berating her saying she can't use that word. Her saying she could stop is something ALL addicts say, that doesn't take anything from the fact that she has put herself in an awful position due to a shopping addiction. People fall into addiction BECAUSE they lack coping skills that work and their addiction is the closest thing that helps. So her saying it's a coping skill is just another way of saying her addiction is the only thing that makes her feel good and what she's defaulted to for coping.
@eileensuki5696 Her pride is that is what I've seen a lot of addicts do. They will say "yeah but I've never been drunk at work" or "I'm not doing crack". They put a barrier down and as long as they don't cross that it's not an issue.
This one is super difficult to get through. This guest is driving me insane. She is full of it. Everything she says is a lie. She takes zero responsibility for anything she does
And she uses "le" unironically without speaking french....
Another guest who utilises pointless backstories and trauma dumping to cover up over their terrible decisions. Narcissist vibes from this episode - no accountability for anything, everything is someone else's fault, zero responsibility.
@@faithrider94i thought i misheard like is this suddenly 2011?😂
I thought it was just me. I said "GIRL PLEASE!!" more times than I could count. My goodness!! She acts like life isn't "lifing" for anyone but her..smh Put your BIG GIRL pants on and GET ON WITH IT!!!!
I was yelling at the phone as if I was there because of all the nonsense vomit coming out of her mouth.
Best financial advice ever:
"Drive this thing in a circle til it doesn't work anymore." 💀
I work for the Public Health Dept here in Houston! There’s affordable mental health services that the county offers. Would love to pass on that information to her.
Please post it here. You never know who else might need it.
I'm a therapist in NC. I'm not sure if it's the same in Texas, but here a ton of counseling practices have interns who offer counseling for a huge discount or for free. You just have to call around. My practice always has at least two interns offering counseling for a max of $35 per session and with a bunch of pro bono slots.
@@emilygodoy9714 it's called putting on your big boy pants and growing up. She doesn't need therapy
@@davidbgooch9587someone has some internal mental issues 😂😂😂😂
@@davidbgooch9587it seems you aren't qualified to judge over things like that...
Her makeup and the lighting in the studio are having a battle of epic proportion🤣🤣🤣
She looks like Dee in that episode of Always Sunny where she says “Guys, I am glowing like an angel!”
I've been listening for the first 20 minutes... I just finally got to the video, and truths have been told.
I thought she'd been hit by a bag of flour on the freeway.
Blush blindness 😂
She PALE
She wants to own a construction company. Her dad owns a construction company. Wonder why she doesn’t go work and learn under him.
Says a lot doesn’t it? He did give her $45,000.00 but won’t hire her. I’m thinking he doesn’t want the aggravation.
Because her Dad knows her well enough.
hes not going to let his own daughter ruin his name are you crazy lmao.
Those houses would be under water and poor quality and she would get robbed left and right by contractors. That buisness is no fucking joke. You fuck up you are on the line massively.
She genuinely has no interest in construction. Going into project management would be a power trip for her. She thinks that all an actual construction PM does is sit in an air-conditioned office, make phone calls, and boss people around. In other words, she just wants a cushy management job.
Huh, My version of survival mode was working 2 full time jobs, eating beans rice and whatever was on sale, renting a small room in someone else's house, driving my car once or twice a month and walking everywhere else, getting all of my entertainment( when I wasn't sleeping) from the library.
How much does all that makeup she's wearing that makes her look like a vampire?
As somebody who was living on the streets when the 'rona lockdowns hit, I want to slap the lies out of her face
The last part of your comment cracked me up😂😂
This might make me a dick, but I don't believe she struggles with any mental health issues at all. After she got called out for lying about having a shopping addiction and then went on a rant about her life being hard, I couldn't believe her. As someone who actually struggles with clinical depression, anxiety, and panic attacks, it is no excuse for me to live life irresponsibly
Yeah, I'm curious what her day to day was like if she was diagnosed depression, GAD, PTSD, and Bipolar at the age of 12. She glossed over her parents addictions but made several points that a close personal friend struggles with addiction.
@unavoidablycanadian397 what concerns me is if she does have bipolar and is unmedicated, things will only get worse.
I think that lying this much is itself the evidence of a mental health issue. Mentally healthy people don't compulsively lie.
I had enough of her by then. I had to skip over her story time
@@briank2502 I did the exact same thing
Her problem isn’t addiction. It’s instant gratification.
That’s an aspect of addiction lol
I got to the part of the video where she essentially admits not to not having an addiction. So apologies! Yeah an unhealthy habit, with traits of such shopping addiction but not solely a shopping addiction
That’s what tiktok and OF does to that generation.
@@harrietxo2310 I’m not saying she doesn’t have issues that lead her to spending, but I think it’s other mental health issues.
@@katiep5256
It's not even mental health issues. It's just lack of accountability and refusal to face her situation. It's laziness, it's selfishness, it's irresponsibility and it's simply refusal to grow up and adult.
Caleb, you have a great heart. The fact that you choose to not air certain individuals due to their addictions, and get them the actual help they need is amazing. Love your show!
“I pay my bills, my bills are paid!” 😂 Y’all remember that episode of 1000 lbs sisters? 😂
Glad Caleb called her out on her usage of "buzz words". She wants to be a victim but she's actually just a crappy person.
She came back around to an alcohol addiction later too, idk her but seems odd to mention that after all that time unless your fishin for sympathy
@@Spunion95wouldn’t say she’s a crappy person, just immature and can’t accept accountability
@@Spunion95the alcohol addiction statement was complete B.S. She only started saying it after she got called out. She found out she could play that card to get more attention and sympathy. It’s so pathetic and embarrassing
@@corvettemode1556I completely agree with you....the alcohol addiction, depression, ptsd, bi polar disorder I think was all total b.s to escape accountability. You can tell she made up 80% of what she said to sound better in the moment. I'm assuming it's a normal thing with her
Her: My bills are paid.
Caleb: But you are in collections.
Her: That doesn’t count.
Ughhhh
I was confused 😂
As I continue to watch this episode, the more anxiety I'm getting. I would be shitting bricks with not having car insurance alone.
“Certain” bills…
🤷🏾♂️
@@DaveSchull money I spent doesn't count.......
She has never had a credit card because she got denied. Even best buy wouldn't give her a card
Yeah she said she got that 112% interest rate electronics purchase because she was denied for the card, so her bragging about not being in credit card debt isn't an accomplishment, or even lack of trying
Store credit card are usually harder to get.
Hey thanks man, I was really looking for somewhere to learn and connect with a vibrant community of scent enthusiasts, this was super helpful
This cracked me up more than it should have. I thought the SAMEEEE thing during that ad!!!!
I calling bs on her saying 4 of the 5 car accidents she's been in not being her fault.
No way you get into 5 accidents by 26 as a good driver.
Never had a single one.
I had two in a 8 month period. Both by a drunk driver
I have been driving for at least 7 years and had NO accidents.
And the country where I live has crazy traffic. She IS def lying.
You don't have to be at fault to be a bad driver. Chances are she wasn't at fault, but if she was a good driver, she could have avoided the accidents
It takes two to get into a crash. Often there's nothing you can do, but also there's just basic situational awareness.
Girl, I hope you read this comment, I get needing outfits for work and life, trust me. What you need are 6 work outfits, 4 "freedom" outfits (that's what I refer to not-work stuff). You do 6 because then you can stagger the rotation slightly and have a backup in case a tragedy strikes (spilling a drink on yourself or something). Then, after that, you need a formal-wear winter outfit and summer outfit. Wear neutral colors as they allow you to mix and match easier. Instead of paying for more outfits get things that can be layered. Your laundry will take 3 hours MAX every other week and you will be much happier. AND because you don't have as many pieces, you can get higher-end things. Shoes are the same thing, a formal pair, work pair, casual pair, athletic pair. When its time to replace the athletic pair, retire them to being the work-around-the-house pair. Purses? pair down to the seasons Fall, Winter, Summer, Spring.
My biggest BIGGEST advice to you is to NOT SHOP unless you NEED TO BUY. Target is the devil. I avoid going in there. I order off the app for pickup. I don't grocery shop in there. If you go to Walmart for groceries, stick to JUST the groceries side of that store. If you buy other stuff from there, ORDER FOR PICKUP.
Bipolar disorder can be very destructive financially and I 100% understand what you are going through as I have friends that struggle with it. You were very brave for going on the show. You are facing a need for therapy and a lack of money for it, but without the therapy the spending might be hard to contain, but you can do it, I've seen other people get it done! All it takes is ONE MONTH.
Last tip: If the idea of checking your balances or checking account gives you anxiety, that is your clue to check them. It won't always be bad, but you need to know.
Love this
Terrific advice!
I used to be afraid to check my balance but USAA (& I think other banks do this too) allows you to get balance alert texts.
At first, it helped a ton to just force me to see my balance every day.
Now it sends me a text for every transaction which has helped SO much to lower that threshold for scares lol
Soooooo smart 💯 TY for sharing your wisdom!
I think you’re overthinking this whole outfit thing lol
She's just going to read that first paragraph as justification to go on a shopping spree instead of utilizing the tons of perfectly good clothes she already has and ignore all the other stuff you said.
A person with multiple mental health diagnoses who moves cross country and buys whole-ass dog during manic episodes should absolutely have a dedicated psychiatrist. Not actively treating your illnesses is irresponsible.
With all of the lies she told I doubt she's been clinically diagnosed.
You do see the circular argument fail in your logic though right?
I doubt she's been diagnosed, she's just playing victim.
As someone with a severe mental illness, all of these people questioning her diagnosis without knowing her at all or having anything close to a psychology degree are going to make me explode. I presented similarly to this girl while I was barely able to drive because I was hallucinating people in the street and swerving out of the way. NOT talking to the person who made the main comment - but the commenters on this comment make me sick to my stomach. Mental illness is so traumatic and is NOT just an excuse or playing victim. It is the most traumatic thing I’ve ever been through, and I’ve seen some shit.
@@KallieMaeYou make a great point. However so many people claim mental health issues as the reasons why their life is in tatters, yet they have a combo of other issues like not getting a real formal DX or seeking therapy/treatment/meds. Instead they flutter around faffing about making messy life decisions and then say "I have a mental illness...." like that makes whatever damage they've caused okay and excused. She has a me tal illness and she refuses to get help. Getting help is in fact in her reach, yet she just does not care to do it. That means any sympathy she is trying to fluff up is DOA. Loads of people have trauma and mental health struggles. It isn't necessarily anyone's fault, it doesn't make them unworthy, but it is 100% their responsibility to get help with and treat. Since she doesn't care to do that, people don't want to hear it.
The longer the nails the worse the financial situation
😬😬😬
It's true!! Those toad stabbers are so long, she can't do any reasonable work. Also big, fake eyelashes (like neck and face tats) are a good indicator of poor decision making.
Nail length on a woman is inversely related to her judgement.
Then I have excellent judgment since my nails are down to the nub
😂 there's truth in that. And, the longer the lashes
We are getting dangerously close to guests just admitting to tax fraud in the intro. "Hi, my name is XXX, XX years old out of XXX, I commit tax fraud, and this is Financial Audit."
Omg right? I’m glad I work for the Canadian IRS or else I’d have to report every episode I watch! On that note I rescind my prior request that Caleb have Canadians on.
@@latulip100to be honest, I don’t think there are any concerns. No one on this show makes enough money to warrant their attention.
Edit: Ok, no car insurance what the f… that’s a problem.
@@latulip100I wonder if there are any viewers who have collected the bounty. The IRS in the USA have a bounty program.
Hi I’m blank and your watching tax fraud on Disney channel 😂😂😂
@@latulip100 Canadian IRS? We have the CRA.
Not sure if you'll see this Caleb but what the "Buy Here, Pay Here" car place does with people like this is put in as a $23K loan, on a $13k car, pocket $10k as an insurance policy, and sell the 13k loan out to somebody else, probably for 6-7k, let them deal with the headache and they made $16-17k. That's the reason they can't send her the loan agreement, because it is highly illegal and all she got to go by is her words.
Yea that car was worth 12k when it was new 😭
2012 Chevy Spark MSRP price was like 12k when it was released. Paying 23k for a used one 12 years later is crazy
Would that not void the contract between them and her
28%+ interest would explain the massive difference between the 23k and 13k.
However, your theory is also plausible
At what point do they pocket the 10k? She’s certainly not paid that much
I’m obsessed with this channel and i don’t even consume financial content. I finally realized it’s because i think i want to consume caleb… 😋
Don’t we all
Her casually calling her bad shopping habit an addiction was so insulting to actual addicts. Thank you Caleb for calling that out
FOR REAL. Thank you Caleb.
My brother is a drug addict that nearly died several times until being forced into in-patient rehab and you could have easily sat him down and said “stop making excuses for yourself, you’re not an addict, you’re making bad choices” like Caleb did… we don’t know this girl and we are not therapists. This is a ridiculous thing to say.
@@KallieMae but I am. She is lying. Its a self pacifying behaviour, but not an addiction. If she is seeing a therapist and paying for it, she needs to find a different one, as that one is a sham.
@@KallieMae Addiction is not a real thing, only a consequence of poor self discipline. Simply choose not to do the thing you're "addicted" to, it is really that simple. Speaking from experience.
@@blankspace2451but you are what? A therapist? If you’re a therapist then you should know better than to try and diagnose someone you’ve never met and put her down like that making assumptions about someone you don’t know. I’m so thankful my therapist wasn’t like you when I came in and told her I was 30-60 minutes late for work everyday and getting fast food multiple times every day. Instead of telling me to work harder to make my life better she started asking questions and realised I was balls deep into one of the worst episodes of psychotic depression she’d ever seen. And I would have presented VERY similarly to this girl at the time as well. Medication saved my life.
$1,500 for a dog kills me dude, I have 4 rescues for a total of $160 in adoption fees and they are AMAZING
I have a rez dog. You can just take dogs from Indian reservations for free.
*who wants to bet she has never bought anything 2nd hand in her life. buying from a breeder while shelter pets die - she 100% did not want a friend. all her problems stem from being an unethical person.*
I have a big galooph of a dog who cost 120 in his adoption fee, and he was worth every penny. 1,500 is ridiculous money for adopting a dog. If it's stuff like medical needs that's one thing.
@@pensandshakers With that money she could have got a rescue dog and a couple of years of top tier pet insurance. 🤦♀️
A rescue dog in my area is like $300-400 and if it’s a puppy $500 about
If you can’t afford car insurance, you can’t afford a car.
Bingo! My mom once told me “if you can’t afford insurance, you can’t afford to NOT have insurance.”
But actually 😂
This feels like every conversation I’ve had since 2000
“I LITERALLY have NEVER made a budget in my life. When I first made one it was disheartening knowing my expenses were more than my earnings.”
Knowing your red is important once known then work to get in the green track your receipts 🧾 show through actions no bragging 😂
Internal contradictions for $100, please 😂😂
Her ex husband was smart for leaving her. She's constantly not wanting to take accountability for anything.
Best decision he ever made.
But one of her five car accidents was her fault, lol
Yeah and she’s a habitual liar who will say literally anything to avoid accountability and responsibility. As a 28 year old who has been diagnosed with Bi-Polar Disorder Type 1 for over a decade, it’s really hard to take her seriously. I’m not one to question people’s diagnosis’s but something about her leaves me doubting her entire story. There’s literally a thousand lies, contradictions and excuses. If she knows she has issues, go get the help and medicine like the rest of us. She legitimately pissed me off. She could have used that 45k to pay for health insurance, school and paying off her debt, but I guess clothes and fast food were more important…
You are not serious about getting out of debt if you have fake nails, fake tans, and makeup tutorial makeup.
Maybe I didn’t get to that part yet, but she either hasn’t paid for one lately…or her fake tan is washing right off in the shower.
She’s as bright as a 100 watt light bulb!💡
There is no tan.
@@mangomadnnessstan as in bleach
Lol, makeup tutorial makeup is a great way to describe her face.
@@archerstevens2362 sun bleached
I am a recovering heroine addict. Im 12 years clean. So I can most certainly confirm with Caleb that there is an ever increasing number of people in America yoday who say they have addiction or some kind of mental disease, but all it really is, is laziness. Thank you Caleb. Thank you for making it a point to actually bring that up and force people to own up to their behaviors and attitudes.
I didn't ask my dad for money! I just called him everyday to tell him I'm struggling and he finally got the hint. Now I can walk around with my head held high because I never asked him for help. 🙄
How could she pay $23,000 for an 11-year-old car that when it was brand new sold for $12,000?
lol I bought a brand new Spark 1lt in 2012/2013 for 12,999 for 72 @ 0% interest lmao 😂
@@kevinh4910 does it still run?
Prices were crazy during covid.
@@anthonyledington3143and people went crazy too. All my neighbours got dogs. Night time here is a howling symphony 😐🤣
With 24 % interest
Hard life but your dad gives you $40,000?!?! Not that money solves everything but you clearly have a support system. Why not ask him to help you get therapy with that money?
Great idea!😮
Because then she wouldn't have 50 outfits, nails done and fast food.
Just started the episode but damn I could do soo much with 40k
$178 on nails is INSANE! I got a “hybrid gel” kit on Amazon for $20 and learned to do them myself. It’s lasted me a year and I like my results better than what I was getting at the salon.
When she said she was a "manager" of a bar i swear to God i said out loud, "no you're not" lol. Like my gut told me that was a lie. Then right after she says she makes $5/hour plus tips and he questions her on that being what a MANAGER makes, and then WOULDN'T YOU KNOW IT😱..... now all of a sudden she's really kinda sorta more of a "Lead slash manager"...... Which means she's a Lead.
This girl is a trip man. I'd be afraid to know her in real life. She just seems dangerous. The way lies just roll off her tongue throughout this entire interview is fkn scary 😂
She is knees deep still in the insane LinkedIn title bloating. I wish humanity got over that. If you keep acting like you are doing better than you are, nobody will want to help you when you struggle. So many poor people are still acting rich, it's insane. Showing off ugly stuff, ugly hair, ugly nails, looking like a clown. Trying to live like a rich person on 5 dollars an hour.
It’s a recurring theme where guests just won’t say outright what they do. They dress up the language to give the impression that their job is more than what it really is. It’s always something like, “I work in logistics for a major delivery service” like bruh just say you do Uber Eats, it’s okay.
She has never been at fault in her life. Her ex is lucky to be free
@@Andy-xx3ttlmfao forreal tho 😭😂
She ain't a manager she's a server lead. Lol.
They added "manager" so she felt special and important 😂😂
No manager works on tips she is delulu
Lots of places use fake job titles to make schmucks feel more important
She also wasn't an interior designer. She was in sales and if a person couldn't make a decision they may have asked her opinion.
Bingo. She also didn't work 17-18 hours a day. I've worked 63-70 hours a week for the last four consecutive months. That's a lot less than what she's claiming and even doing what I do would break her in a week.
Thanks for calling her out about the “addiction” it REALLY upsets me when people use it as a throwaway label for any behaviour they dont want to be challenged over
THIS! I'm so sick of words being used incorrectly alllll the time... it demeans the definitions so badly.
She tried to back track so hard, like "oh, I have a friend so I totally understand how serious it is." If you understand why did you say it over and over?
The not having time to make a call kills me. Working nightshift, putting 60-70hrs a week and still have time to fix some things on my truck.
Speaking as a nurse, most mental illness is accompanied by financial ruin. It is sad how it's not cheap for them to get help.
I'm a therapist and I see this all the time too. I always encourage people to unsave their credit card from everything on their computer. It's surprising how many people won't get up and get their credit card from across the room even if they struggle with a spending problem. Helps to break the cycle.
Unless they go to Shopoholics Unanimous! That is free. She should have just dialed 211.
It really matters where you live. Like in California if you can't afford it you can easily find therapy and healthcare free or for about $15 an appointment. If you truly cannot afford health insurance you will be provided MediCal and given a long list of providers to choose from. They cover a wide range of mental health treatments. And if you don't qualify for MediCal but struggle to afford it on your own Covered California can help get you a better rate for insurance. I'm not sure about how it is where she lives but lots of therapists do sliding scales.
@@nicoleschultz7782hey I’m in socal, and I’m genuinelyyyyy curious lol have you tried any medi-cal appointed therapists?
Financial ruin is very profitable for everyone involved but them. Don't expect it to get fixed soon
These long winded,circular explanations are exhausting. The car, the insurance/therapy, the closet/shopping, none of this is justification. It’s just bs.
This takes up half the episode.
@@superbigblack could have been a 50 minute episode
The "moved in the middle of the night" really got me... as that made it sound like she... burnt the house down and fled tbh... and pair that with "I don't have any clothes..." paired with "I have 200 pairs of designer clothes at home in boxes... so I HAD to blow 40000 on new clothes, as it was IMPOSSIBLE to ship a box here." is just... impressive.
People justify ANYTHING to themselves in this way before simply saying it out loud.
I’ve lived a rough life, daddy supported me when I was unemployed, it’s been a rough life. Life is hard when you’re stupid.
This episode was a waste. She shouldn’t even have been on the show. No one wearing that much makeup with nails that long is talking about sUrviVAl 🙄….
Even from a pure entertainment level, this episode was hot garbage. Fortunately, it's not the norm.
$178 on nails is ridiculous
She reminds me of honey boo boo Alana Thompson. The ridiculous nails, the "got a part scholarship but is still allegedly poor".
Clown make up
@@tkatrich3omg I can see that too lol
the segment title being “is the manic episode in the room with us now” is CRAZZYYYY😭😭😭😭😭
Her foundation being geisha white somehow ties this together. Bad financial decisions and bad makeup decisions back to back.
Geisha white!!!! 🤣🤣🤣🤣🤣
Tbf it probably looks fine under normal light. Production lighting always looks terrible on heavy makeup unless it's specifically done for professional lighting setups.
I’m the white in real life I feel like lol, but I don’t wear makeup, I’m pale af
@Fleurae I, too, am melanin deficient. Snow white.
cannot WAIT for the update on this one
Probably won't take his advice 😕
It gets tiring when everyone that comes on here uses “mental illness” as their cop out excuse for just being ignorant and immature
You can thank therapy for that.
thats just bein woke, cmon now
@@hygrometer yep
For some reason thats what people do now and days
For real. I got issues too but watching these is helping me draw the distinction between what is actually my illness and what is just me being an idiot. Learning from others' mistakes over here!
Caleb: "These nails are WILD."
Guest: "Thank you"
Caleb *that wasn't meant as a compliment*
How does she wipe?
💀💀💀
@@pinkisforpimps Very carefully
@@pinkisforpimpsShe does the turd tickler.
@@pinkisforpimps you use the pads of your fingers very carefully
The 26 yr old woman who’d father handed her a total of 45k says “She’s had a hard life”!? No she’s just spoiled and irresponsible! She’s acts as if someone’s coming to save her. NEWSFLASH: No one’s coming!
Who knows, her dad could win the lotto again and give her 60% of the profits again 💀
She says she is 26 at the beginning and then later she says she is 27….sus
@@christinan9989it was her birthday in the middle of the episode
Except Caleb literally came to her rescue. I’m not knocking him for doing an amazing thing, but I personally don’t feel like she was worthy of his generosity. There’s so many hardworking, genuinely down on their luck people who made a few bad choice that could use that help more… she’s just a spoiled brat who refuses to take accountability for literally anything.
bipolar. depression, anxiety and PTSD.
you know... if ever there was a constellation of diagnosis that screams "im not really mentally ill im just irresponsible and cant handle any kind of pressure at all because im an emotional child" its those.
the reason youre not finding a medication that helps is not because of your bipolar because you dont have bipolar. you are having normal swings of mood an energy as a maladaptive stress response because you never learned how to be an adult. its not a disorder. you just have no idea how to handle responsibility so you do things impulsively and it looks like mania. moving in the middle of the night is not mania. its not even hypomania. bipolar mania is excessive dangerous risk taking, going several nights without sleep. gambling your life away, speeding 110 mph down the highway. MANIA is complete dissociation from risk as an escape. and when it wears off because you have to come down you become immensely drained, and tired, and you go into a depressive rut where you dont even have the energy to get out of bed.
you are not bipolar. youre irresponsible and you justify it by making yourself feel special by clinging to labels. i suppose technically this DOES make you mentally ill but its none of the diagnosis you have. i get so sick and fed up with everyone having diagnosed anxiety and depression and bipolar and PTSD. i WAS diagnosed bipolar type 2 at one point. i was briefly medicated and went through therapy for about two years. i was NEARLY diagnosed with PTSD for the event that caused my bipolar episode. luckily i was never fully manic, i had hypomania. the reason i wasnt diagnosed with PTSD was because i dont have full blown dissociative flashbacks. i have every other symptom including unregulated physiological reactions to a specific environment or atmosphere which were measured physically.
She has no clue about her vehicle. She financed $15k, the current balance is the ~$13.5k. The $23k she’s quoting (which is also wrong) is the total cost including interest over the life of the loan.
She has GAP insurance, which only covers the difference between what the car insurance will payout for the vehicle and the loan in the event the vehicle is totaled. HOWEVER, there is 100% a clause in the GAP policy that states if she doesn’t have insurance they will not pay out.
Thank you for this because her explanation was making zero sense.
Yep, she needs to understand that she has NO coverage right now. Girlfriend just needs to allow them to repo the car and ride the fucking bus. She can’t afford the car or the insurance, especially with her record.
Thank you! I was so confused about that damn car
Caleb can't know everything, but he needs to study up on issues like this, because a lot of young and old, dumb kids will come on here and not understand and not have read the conditions of GAP insurance. Driving in Houston is way too risky for her to be driving with no coverage.
"So here's the thing" is the start to a story that is 60% or less of what the actual story is.
Exactly. It's always my signal that what's about to be said is either a manipulated version of the story or just blatantly not the whole story.
As an insurance adjuster, this scares me… GAP won’t cover if you don’t have your own insurance….
Good! I hope her actions will actually turn into consequences. Stealing from taxpayers like us.... I feel no pity for her.
also doesn't cover mechanical failures. Trainwreck from hell, she'll never get a good man with her irresponsibility behavior.
Not to mention, most GAP insurance has a maximum. She mentioned Progressive, their gap will pay up 25% of the cash value of the vehicle to help pay off the loan. 25% of $1300 will not pay off a $15000+ loan
this is a nightmare of mine being hit by a lowlife like this, I have uninsured motorist coverage, but it will cost me in the long run.
I suspect she has lender placed insurance.
She NEEDS to prioritize seeing a psychologist on a regular basis ASAP. I have bipolar disorder and if I wasn't on my meds I'd be in her shoes right now. Can guarantee that all this impulsive spending will improve if she just finds the right meds and a good psychologist - she spends money as a coping mechanism when she's depressed, but when she's manic she also spends money because with mania comes impulsive behaviour, spending unnecessary money is super common. I for real think her issues will start improving if she just starts getting her mental health in check and works from there.
She spent $1500 on a pet store dog and then gave it away 🤦🏻♀️ the longer this episode goes the worse it gets
She could have adopted for $50. As soon as I heard this tidbit I went from disliking her to basically hating her. $1500 means a boutique breeder dog, completely unnecessary.
I shook my head just like how caleb shook his head. Smh
She no doubt sold the dog to some stranger on the internet then spent the money immediately on stupid shit like nails, gaudy makeup, eating fast food.
@@loriej9297😢 poor dog
She's also had 5 car accidents and doesn't have insurance - fair to say not a lot of regard for anyone's well being
At 11:48 she says she didn’t get approved for a Best Buy credit card but then 30 minutes later she’s bragging about not going into credit card debt…
My guess is, she’s gotten denied from others as well.
She’d have to start off with a pre-paid through Capital One, until she proves she is trust worthy…which she is NOT!
I know Caleb was tired of her going on and on about "survival" and "addiction", because I i am tired of it. I dont know how he does it.
As someone that was like this in my early 20s, then realized I didn’t act like a “normal” human being, I got therapy. Diagnosed bipolar and adhd. Medication helped remove my head from my ass and stop being so incredibly impulsive. Go to therapy, it can make a huge difference in the quality of your life.
I know for a fact what pushed Caleb over the 1M subscriber count were all the IRS and Car Insurance Fraud Investigators being directed to this channel 😂
"Johnson! You're supposed to be investigating tax avoidance cases, why are you on youtube?"
"Sir, you're not going to believe this..."
@@laurendearnley9595 Broooooo😂😂😂😂😂
Honestly if I worked for the State of Texas Dept. Of Revenue that is exactly what I'd use this channel for.
To be fair she admitted to like what $2000 of undeclared income a year and she's low income, so what's like 20% taxes on $2k. IRS probably only missed out on $400 of tax, that's probably less than what an auditor makes per day. They are going to spend $4k over two weeks to get their $400 back.
@@tkatrich3yeah they would definitely ignore it, but they'll let that shit build up until it is worth garnishing wages. Or if it goes undetected long enough, court.
Pathological lying, using every excuse to not have accountability, hard life claim, addiction claims… thank you Caleb for not giving her leeway. Probably the first person to do that to her.
Makes me curious if the other people in the "videos" were aware of the recording.
Blows my mind there are so many people that don't "consider" bills to be bills
Straight up denial....
"i will say i had a really hard life" you and everyone else. get over it.
Same
Does not surprise me. I am cashier at “W” you would be surprised (stunned actually) the number of people that do not think NOT scanning something is stealing!! Called self delusion. Had a lady tell me yesterday that she did not scan $70 worth of school supplies because she was in a hurry. She wasn’t stealing just in a hurry!! Self delusion.
yeah, what's up with that? Like, Caleb says, you signed up for it, you owe it!!
But what reallly blows me away is that Caleb offered to pay for her college tuition after she blew all the money her Dad gave her AND doesn't have car insurance AND works only 32 hours a day AND spends gobs of money on long nails and designer dogs and outfits AND has had 5 car accidents (only 1 was her fault) AND has stuff in collections etc. etc.
This video made me fall in love with caleb even more