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Cool survey! Thanks for your videos and I love to see the channel grow! I remember watching when you were trying to get to 500 and 1,000 subscribers! Congratulations
She's still got a lot to learn, not just on finances but on being an influencer. I watch a lot of RUclips. When you go on vacation, you plan ahead and record extra content so you can drip feed it through when you are away. You just post a few out of office updates: "having a great time on vacation. I'll be back next week. Sorry, I won't be responding because I'm having some R&R me time.", so your income doesn't torpedo while you're away. If she used something like Patreon, she can have a consistent income stream of people paying a couple of dollars a month so she isn't completely f*cked when one platform glitches, folds or changes their Ts and Cs to screw their content creators. An emergency fund is good, but if she creates and holds back a small library of content, too, she'll have extra resilience if she needs to take a break from live streaming. RUclips creators are super open about how they keep themselves afloat and plan ahead for the unexpected.
On the first episode she mentioned she kept paying them off, only to then get herself in massive debt again when a paycheck was a bit lower than expected. She has a hole in her pocket, can't save. I hope she manages to get a bigger emergency fund, if that gets done i think she'll be good for the future
One of the main reasons she has paid off so much so fast is due to massive donations on her first streams after the episode came out. I dont want to diminish the effort she has made and how hard it seems to have been for her because it did seem like she was going to completely crash and burn and she could have gotten worse even with those donations like so many people do when someone contributes to paying off their debt and that feeling of relief is enough to make them lose all the anxiety that was fuelling their will power and effort. But i do think the donations helped a lot and hooefully also kept her motivated knowing how bad it would look to go more into debt on the follow up ep after them
i would love to see him just roasting her house and party liek pop up video style where as he points at or complains about something the price of the item pops up.
girl paid off 3 cards in 4 months!!! that’s literally so amazing and honestly, this follow up seems really realistic to me. i think it’s really difficult for people to not use their credit cards or to not have fun monies. i think if she set aside x amount of money for eating out and fun money, then she can be more successful.
She really didn't pay off the debt, she just shuffled it around. Paid off a credit card while racking up more on another card is not progress. It's an illusion. So for real progress she needs to stop charging on her cards. She is NOT a credit card person! I hope she makes a change and learns to live on cash.
I paid off $18k in student loan debt in 3 months. Guess how much praise I have got? None! Nor do I deserve any. It was debt that needed to be paid back with priority.
It's not that hard to not spend money on dumb shit. It's really not. Watching this stuff is like watching hoarders for me. Just here for the train wrecks.
Yeah I think she is doing well. Although I don't think he covered the student loans debt? Might have missed that. She also has not uploaded to RUclips in a couple months so not sure if she is keeling up with the grind or not.
@@_Delta_P_she doesn't do as much as most. No nudity. One thing I saw that was funny is she sells financial dom roleplay 😂. I just checked her page I would never pay for anything of that stuff but the simps don't deserve their money if they are stupid and desperate enough to give it away like that. The hub is free.
This has been my favorite update so far. Is she being perfect? No, but she’s making huge progress and she’s made a lot of concessions on DIYs to cut costs. This is one of the few times that I think Caleb has been overly-harsh. Proud of you girl!!!
I think he's harsh because she still makes poor decisions and then gives BS excuses for them. Like moving to a bigger house so she can "create lifestyle content". That could happen in 6 months' time when the Apple card is paid off. IMO he's trying to get her to realise that she can't celebrate too early.
It's harsh, but he's right if she had kept her old furniture for the move, she wouldn't have had to buy new things. Was it cheaper in the end? Idk. I guess I can't judge, I'd start fresh just to avoid moving fees lol.
hes being harsh but its def because he cares, also i tihnk SHE NEEDS someone being overly harash cus as soon as he lets off her for it she'll pick up on the spending again
Seeing her get excited for her next financial audit made me so happy!! She has something inside her that wants to prove the world wrong and I’m here for it!
Yeah, I want to be proud of her. I really do. I want to see her accepting her financial decisions as what they are. Bad. And learn how to do better next time. And better and better.
Hey Caleb, just wanted to thank you for the work you do. I started with 8,000 owed on a car at 13% interest, private student loans of 14,000 at 18% interest, and no emergency funds or retirement whatsoever at 23 years old. I just turned 24 and am finally debt free with a fully funded emergency fund, and contributing 15% to retirement, maxed out Roth IRA, and saving for a down payment on a home. You have changed the course of my life for the better, and you’re right. It is so incredible on the other side ❤
Hell yeah! Keep it up, it pays off yuge. I became totally debt free earlier this year (including mortgage) and it is the most rewarding feeling ever. I would suggest just stacking money until rates or prices go down a bit. Maybe even saving to buy a chunk of land, throw a mobile home, tiny home, or barndominium on it and building a home step by step with cash. Paying 8+% interest on a mortgage is death, on a 300k house you’d end up paying over 800k over 30 years. Good luck, keep pushing!
@@techyin326how is that greed? lol She is utilizing her talents. She’s gotta pay bills somehow. that’s not being greedy. What is the problem with being an influencer? To each their own… who cares. She isn’t doing anything full on like onlyfans.
Yeah gambling is just a huge waste of money. Sure, it can be fun and it can be done responsibly but for people who gamble in large amounts and frequently it never ends well.
She should be a recurring guest. They have a good dynamic and could definitely benefit from consistent financial counselling to keep her on track. Nothing crazy, just like every 6 months or so. And maybe she pays off her debts and helps cohost every once in a while to help others learn, too. Maybe she cohosts on online content creator specific episodes or something.
Hell no. She may be a great guest on a podcast, but NOT as a co-host on a financial audit. Even if she manages to clear her own debt, unless she fixes her attitude towards debt, she will be a huge pitfall to anyone else trying to clear themselves. Her latest video is of her doing ASMR and getting a $50k donation. That is NOT within the ability/fortune of 99% of people. The only benefit to her being a guest is that they get to mix audiences. This attractive girl gets the exposure to Caleb's audience, and her audience comes to watch Caleb because they follow her and want to watch more of her personality clashing against Caleb's.
That is ALMOST as good an idea as hiring crackheads to be pharmacy techs at CVS and Walgreens....... This chick has convinced herself with 100% certainty that she is going to live the hot girl summer life until the day she is buried or cremated. Nothing is going to go wrong because nothing CAN go wrong, obviously!
😂😂 omg I love that she brought Caleb some taquitos! I love these follow up episodes. It’s good to see how people are making progress. For Adrianah, becoming financially disciplined is a journey. It’s not easy changing lifestyle habits, but it can be done. Keep making that progress, learn from past mistakes and you will do well!
@@adrianahlee btw I think your doing pretty well in turning your lifestyle around, it’s hard to change habits. Also you got yourself another supporter!
Progress is progress, she’s lucky to have Caleb as a friend and I see her getting out of debt because she seems to be a fairly successful influencer, and she’s got someone to keep her on the right track.
@@juanvaldez7279 Also, how do you know her net earnings and her profit margin when we were only given two/three months of income and we weren't told what her businesses expenses came out to for last year? I'm still trying to wrap my head how she bought a new house and doesn't know what she's paying for it. The net monthly mortgage payment is only $2.7k for that area? There's something incredibly off about that to me, but who knows. Maybe when she comes back the third time we'll get an actual budget.
Caleb and team, for guests that are coming back on the show, I'd love to see their previous Hammer Financial Score compared to their new one. it would be an easy way to show progress and motivate the audience by showing the process working. love the work as always!
Yea I'd love a side by side comparison of previous debts Vs what they're in now. Could really show the effect of snowballing if they pay off 3 debts and are starting on a 4th or whatever they accomplish in 6 months.
@@wsemenskeshe’s chasing clout… but she is inviting him to her party, and I’m legit torn if putting up with her BS on these videos isn’t a fair trade for access to her friends. We know from Iced Coffee Hour that Caleb is down for very casual relationships, and his income in her group of heavy partying clout chasers is going to be… quite a draw, shall we say.
I love how some people on Financial Audit seem completely unphased and sometimes even a little bit amused by Calebs tough love and rants while I would honestly curl up in a ball under the table and cry 😂
@@JasonRetributiongood for her and for her simps who can afford it and enjoy the feeling of giving women money. And if they cant afford it thats not her fault and msybe they should have their own episode with Caleb. It shouldn't bother you when it has literally nothing to do with you lmao
@@JasonRetributionthanks, I was wondering how the hell she was able to pay off that much so quickly. Someone the same age working the average job, or in school could not do the same
It was a little scary at one point she was relating having more money for one month to a better debt situation in terms of being more comfortable carrying balances and adding to them as a mindset. She does seem to be learning more concepts compared to last time though and slowly on the road to recovery.
Took some time to figure out what passes was because I've never heard of it. I can see why her income increased substantially, but I wish this society wasn't such a porn obsessed cluster of people. HOWEVER Not hating on her at all. If there is a market willing to buy your body and you want money then go for that easy dollar. It's her life.
I started two months ago with $6000 in credit card debt after watching this channel i've adjusted and gone down to $1000. on my road to zero. The videos were a wake up call. Thanks for that
Her talking about being scared of CPAs and taxes and stuff is so valid and honestly really refreshing to hear - it’s stressful. I believe in you!!! You can do it!!!
Caleb, what’s with the title?! She deserves a way better one! She’s doing so well - and if she continues on your plan she’s golden before she’s 25! Not dying in debt!! I loved her update - she’s very likable and real. I think her progress is realistic and amazing!! Great job and a big congrats to her! Now keep at it! - you’ve got this!!!
As a normal person who watches all of these videos I just want to say that I was appalled to hear the comments that she has been receiving from this comment section. I just want to say that I think everyone who comes on this show is brave and awesome no matter where they are in their financial journey!
I want to see her back - she’s awesome, and feels really realistic for someone in their young 20s today (I’m 25 for reference). Really great episode!!! I love her
Y'know.. I saw her first video only a few days ago, since I'm new here. I'm not gonna lie, when that video started, my first impression was "oh boy, another e-girl." As the video went on, it was clear she had some bad habits, but I got this sense that she was a good person stuck in those bad habits. Now, seeing this video, I feel that even more. She seems like she has a good heart and really is trying. Sure, she could do better - we all can - but it seems like she's doing her best. Adrianah - keep it up, you're doing a great job. Keep working and paying those debts down. Hope to see you back on here relatively soon with zero debt. Caleb - keep doing what you're doing homie. Love these
Today I paided off my last bad debt and have a fully funded emergency fund! Thanks Caleb and all the people who've put themselves out there for inspiring me to be agressive and take care of business. I've turned the worst year of my life around! Looking forward to finally being on the other side! ❤
@startingtech3900 you don't have to keep a balance on your credit cards, you just use them enough to keep them open (or however often makes sense for your situation) and then pay off the complete balance every month before your bank reports it to the credit agencies and they can tack on interest.
She seems like a really nice, genuine person and even though she's still making some bad purchases here and there, you can totally tell she's changing. 12 dollars for a birthday dinner/celebration at Red Robin's? That's incredibly cheap and come on its' a special occasion. I hope she continues to break down that debt and that she finds a niche that will pay the bills and she'll be excited to create content for!
The weird thing about this comment section is it lives under a rock. This isnt a random e-girl it is the girl who blew up OTK with SA accusations and then had herself blown up for SA'ing any dude with more followers than her
"blew up" is a weird way to say "was SA'd while unconscious". I'm also not seeing anything re: SA allegations from her side after searching on Google and Reddit Just gonna put it out there, comparing these 2 comments^, maybe living under a rock is better than being chronically online
@@nimbus1r it used to be easier to find, clearly she's done takedown requests. but pple who covered it showed the text msg of her apologizing to Cyr the night after. It said she had to be informed she acted inappropriately by other pple because she was too drunk and couldn't remember (seems like a pattern for her). However she definitely did apologize for her actions which an innocent person wouldn't need to do. If this makes it to court (which it probably won't as a judge has already dismissed half of the claims she's trying to sue for) we will get exact knowledge on what she did to him that night. As Cyr will get called as a witness because part of her defamation claim revolves around Mizkif saying she "groped" cyr while drunk, which based on the text looks pretty likely.
Being transparent lol?? She has straight up lied to him about her expenses. Don't for a second think she isn't doing this show because it is good PR for her career. She hid that she's in the middle of a (bogus) lawsuit where she is suing other twitch creators for 2mil in apparent lost income, even though we know she makes no where close to that. She would have accrued a minimum of 10k+ in lawyers fees by now since march '23, and seeing as 2 of her 4 claims have already been dismissed by a judge (with the other 2 to likely follow) she will also be on the hook for probably 100k+ in lawyer fee payouts to the defendants. Caleb's 3rd followup will be her declaring bankruptcy lol
Been there with $. Went bankrupt in my early 20s because I was fracking dumb with credit cards and cars. What a waste of time but the years of pain was a great lesson. A lesson in humility. Credit to her for putting herself out there and owning her mess. It seems the channel generally cares about the guests. Keep it up!
She's putting herself out there to gain viewers. Simps are going to search her up, find all her socials, slam her DM's, and send her money. She's not making 10k per month by being "creative".
This episode was so fun! The fact she brought in taquitos was the funniest thing 😂😂 Obviously she has more progress to make financially, but kudos for the progress she has already made anyways!!
If I could say a thing to Caleb I would say this: It seems recently you have a little bit of impostor syndrome going on where you don’t feel like you deserve the success you have. This couldn’t be any farther from the truth. I have consumed a lot of media in my life, read a lot of books, listened to music, etc, but I have never (or very rarely) benefited from these forms of education and entertainment like I have from your show. When I started listening I had a lot about $17,000 of credit card debt for very dumb reasons. From your show a got a lot of practical lessons and just inspiration to keep going. Today I paid the last bit of credit card debt. I can’t believe I racked up what I did but am really happy to move past this chapter in my life. All the thanks goes to Caleb for being the impetus to this change. I cannot thank Caleb enough and for that you deserve all the success in the world. Plus I think this show is just the beginning of your career and success and not the end.
I am now debt free thanks to watch you Caleb. A few months ago I realized my new car was keeping me drowning in monthly payments, so I looked at what life would look like if I sold it based on you often criticizing Americans feeling like they have to have a car, when they really don't. Everything I need is within 5 miles of me, and I have door dash to help with perishable groceries. It was nerve wracking at the time. But now debt free, and building a healthy emergency fund. Before watching you having an emergency fund was having 1-2k for overdrafts. For me coming from a financially illiterate upbringing investing is anxiety inducing. For the high yield savings account, I am nervous about non-brick and mortar banks. Chalk it up to being older, and not confident in putting my money somewhere I can only access it through the internet. I would like to give you a big thank you to you Caleb, and your guests who come on.
Hey Caleb, thanks to your videos i got a second job and paid off my $35k in student loans in 8 months. I am officially debt free and now able to actually start planning for retirement. A little late at 33 years old, but i figure later is better than never
Thank you and I was a float pool nurse at a second hospital. Luckily they were flexible with my full time job schedule which allowed me to work as many extra shifts to chip away
Awwww I love her! She’s like the best to watch. And Adrianah if you’re reading this ur doing great and we are all proud of your progress & bravery coming on here!
I think it's great that she's made some progress, even though it's less than it could've been. I think she cares more than most guests, and it's just a matter of educating herself on finances, which she seems to be slowly working on. Given her income and her young age, she has the potential to be in a really amazing financial situation. Wishing her the best of luck! Great episode, Caleb!
Caleb, I know there are people who will always be negative no matter what - but MOST of us see your kindness, sincerity, decency, compassion, and generosity. You're one of the most genuine people on RUclips. ❤
I'm an older man and have been decently good with my money but I'm fully aware I could have been much better when I was younger. Shows like this are going help so many people especially the younger generation. It's awesome to see, young people finding interest in living a debt free life and having the bravery to get on a show like this.
I felt really bad to hear that she was receiving mean comments in the comment section. No one deserves to have mean remarks. I think it took courage to put herself out there and showing where she is. Not everyone can have the courage to do that themselves, let alone with a big audience. She has come a long way in the last 4 months and I'm totally rooting for her success. She's doing a great job!!
@MoneySchool-kc2jo you can search it up in the austin, tx court records, or there's a youtuber called Henry Resilient who covers the court docs. Basically she's currently suing other creators on bogus accusations for 2mil (lol), of which 2/4 charges have already been dismissed by a judge (with the other 2 probably to come shortly). This is going to financially destroy her (and rightfully so as she's been caught in conflicting statements and is literally trying to ruin people's lives) as all the defendants will be entitled to recover lawyers fees. So she'll on the hook for 100k + when it's all said and done. She's hiding all this from Caleb as well, I bet he has no idea about all her own lawyer fee's which have been accrued since March 2023. This girl is a poor choice to have on the show, she's a terrible human being
@@alpaca6462 judge threw out 3/4 of her claims and next month will likely dismiss the 4th. Expect a 75-100k hole in the next audit video when the defense lawyers are awarded costs.
She’s improved her financial standing and she’s only had 5 monthsish, so well done. I can understand the impulse to furnish the new house. Sacrifice the smoothies and use eats and she’ll be getting there. Thanks for the update
Moments of this video were actually very real and raw, digging into the difficulties of being in the spot light. Good work y’all and good luck to both of you:)
I honestly love this relationship. Like he's so genuine with her and she listens to him(not completely but she still listens) and this is just such a cute friendship
With her first financial audit, I wasn't expecting her to change. I am very happy to see that I was wrong. Glad that she is making progress. She still has a way to go. I'm sure she'll be able to do it now.
Probably more work for the editor, but maybe having a 2-minute highlight of the initial audit in these follow-ups would help prime everyone on the guest's situation before jumping into the new audit. Just my thoughts.
Caleb you have taught me money management skills that I’ve NEEDED MY WHOLE LIFE. I have paid off 8k worth of debts and am now working on funding a full e-fund. I’m using SoFi currently and don’t touch the savings. I appreciate you more than anything. I LOVE your videos and I continue to watch to learn more 🎉
Thank you both - Caleb for sharing your knowledge and Adrianah for being so vulnerable and helping other viewers. We appreciate you! I’m generally a comment reader rather than a poster for various reasons, but there’s so much negativity out there that I thought I’d share something positive . ❤
I hope for the best for Adrianah. Content creators seem to really be susceptible to lifestyle creep, and the trap of taking on debt to maintain an image--perhaps because they spend so much time online as part of their field. Given her income she definitely should be able to live below her means, get out of the debt, and then save. She needs to set and follow her budget, it seems like she's making some effort to pay off the credit cards which deserves some kudos but she's still spending on things she shouldn't be. My biggest concern if I were her would be that she's in a career with a short shelf-life, ideally she'd be saving a large percentage of her income so that she's set when thing inevitably take a downturn (it always does for content creators eventually) and find ways to supplement her income/investments to secure her financial future for the long term.
Adriannah has made a lot of progress in these last 4 months! 👏👏👏 I hope she continues to make improvements and is able to convert her passion into marketable content! It's definitely hard not to be judgemental of guests because I think it's human nature to make assumptions. We definitely need to make conscious decisions about what we post, myself included. Rooting for my fellow Michigander while sipping on Vernors and lamenting the lack of good coneys where I live.
I seriously love this girl. She really is trying and you can tell she has a good heart. Just making a lot of “mistakes” but I do believe she will get there.
Caleb, these videos have helped me in maybe an uncommon way. 6 years ago straight out of grad school I married a self-made, financially successful and savvy young man, and I brought in a bunch of student debt to our marriage. He took care of it. He has always handled the finances, and is always “finessing”, and my poor mental health has meant thinking about finances has felt like too much of a stressor to even process how he has managed finances so well. Before getting married, my accountant father basically managed things for me. Thanks to watching lots of these episodes, I gained the confidence to do a financial audit of us by interviewing my husband. This communication about finances is really improving the financial aspect of our marriage, and working toward financial goals Together! Thank you for making this fantastic content!
Here is one comment you can read. You did a great job on your hair! Keep focusing on doing right and things will get better. I know you can’t feel it now but once you make that last debt payment and you’re free you will feel so good and sleep better too. It’s amazing how much things like debt actually do eat at you below the surface. I really enjoy hanging out with you on twitch.
Caleb, I started watching you very skeptically. I didn't like the clickbait. I thought you were making a show out of shaming people for being poor. But you've inspired me to pay off my debts. I had 15k in student loans 6 months ago, and I should have them paid off by the end of the year. I appreciate that you've built a community to celebrate your guests putting the work in to help themselves. I now see the bait is a force for good. You're doing a good thing. Please keep going.
This is one of the few guests that I don't end the episodes hating. She seems like a really sweet girl, she even brought you toquitos. She's cute too. Nice to see she's still keepin at it. Keep learning girl
Late to this one, but hella proud of you girl! Just came from the previous episode and I appreciate watching these - and you specifically are just so real to watch and you two hold such a wonderful vibe throughout the episode its just so fulfilling to watch. I just got myself into the first debt I have ever been in and I got so scared, watching these episodes has given me so many tools and just confidence to navigate the increbidly closed off world of money-related everything. Thank you so much Caleb and all audit-ees!!
I hope everyone realizes this is a 23 year old (if this came out after her bday). She is just entering the adult world and if she was a college student she would have more than like have student loans. Proud she came back even with the mean comments from last video. Hope she keeps getting better. One day at a time! You got this!
I've seen her since like 2020 when she appeared constantly on a stream of someone I watched. She still the exact same. It's crazy how easy it is to be a female and get 20 different forms of bailouts lol.
@@mkzzzzzzzzzz1if "she's on every single show you watch" it seems like she's working while you're just watching twitch?! Not sure how that's bailouts. Lmao
@@musicart2007 I watch 2 streamers on twitch that barely even stream. She so happened to be a person in the background. She gets bailed out because if she wasn't a girl, she wouldn't be able to be a streamer, she would be sued to the ground (she tried suing someone and failed miserably, but other person didn't bother pursuing it since she's worth negative assets), she wouldn't be able to get easy networking opportunities (she wouldn't be on this show) and she wouldn't be getting paid 5 figures a month by being completely below average in every metric while working like 5 hours a month and going on week-long vacations while in big debt. I'm working more than her, my g.
I think she’s on the right track. It’s an improvement from where she’s been. Budgeting is literally a learning process and I think she’s doing a good job learning how to do personal finances. Most of us learn bad finances from our parents I know it’s not everyone but every mind is different but I think she deserves an applause for the small improvements she’s done.
That dude is a potential threat to shiv Caleb on camera. While we’d love a chance to hate watch that dude again, it might be in Caleb’s best interest to not let that guy within 300 feet of his recording studio
Lol, I really like this girl! I watched the first video and I immediately took a liking to her and this video made me like her more. I hope she pays off all her debt soon and I'm so proud of the progress she made 👏.
This would be a lot of work, but on these recap episodes you could do a "imagine if you followed the plan" and calculate out where they'd be if they'd followed your plan. Plant that vision of what could have been to make it easier for them to work towards.
I recently went from a 1 bedroom apartment to a 4 bedroom house. We didnt have a dining room table for 4 months. It sucks but most furniture is not a need.
She's funny and cool and can take one on the chin, she's putting herself out there and working to improve. Good for her. All the little justifications she makes for her spending might seem tedious, but we all do the same thing internally. It's hard to stay disciplined and she's being honest.
As a content creator living in Austin I am very happy I don't get somebody calling me out on my stupid food purchases haha. It's very brave to go on here, you go Adrianah!
@@CalebHammer well I wrote you on IG but you never read it ;) no honestly, I would be boring, I have zero debt, don't do creditcards & never go out because I have no friends here. it's all doordash on a debit card haha
Haha, love that you brought Taquitos, and also love that Caleb got mad at you for spending that money. You got this, girl! Stick with the plan!!!! You can do it!
The first financial audit I watched was Adrianah's and from the get go she seemed to me a classic risk neutral person who runs after potential gains without worrying about risk. I am glad that she has made so much progress both in earnings and reducing bad debt in such a short time. Don't change drastically who you are cause maybe that's the reason you will be successful.
taquito flex was rad. Also this is one of the best updates. Really impressed with you Adrianna, good on you for applying what you learned. And bonus props for solid streamer income lately. Great to see!
She's doing better than I expected and I know how she feels about not being stressed by debt. My stress was in the lack of savings, not the debt. It does feel freeing to be out of debt, though.💜
I love the follow up episodes, it’s interesting to see which guests take it seriously or not. I would say at least she’s made progress on paying down her debt , she’s just gotta cut out some of the unnecessary expenses then she will be well on her way to financial security!
Caleb! I appreciate you. I hope you don't forget for each negative comment, there are 10 positive. The positive matter! Keep up the great work. You're making generational impacts on lives.
Caleb…. Love your show. She bought you taquitos!!!!! Well played miss… well played. I have not laughed that hard in weeks… thanks for that… and masterful move!!!
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Just fyi you have a typo on your survey under income 😉 **250,000 not 1250000
I hope you have a great time at her birthday party, good luck with the "cute little girlfriends"
Done :)
When do we find out who won
Cool survey! Thanks for your videos and I love to see the channel grow! I remember watching when you were trying to get to 500 and 1,000 subscribers! Congratulations
Paying off three credit cards in 4 months is a major accomplishment. She seems like she has a good head on her shoulders. I hope she keeps it up.
She's still got a lot to learn, not just on finances but on being an influencer. I watch a lot of RUclips. When you go on vacation, you plan ahead and record extra content so you can drip feed it through when you are away. You just post a few out of office updates: "having a great time on vacation. I'll be back next week. Sorry, I won't be responding because I'm having some R&R me time.", so your income doesn't torpedo while you're away. If she used something like Patreon, she can have a consistent income stream of people paying a couple of dollars a month so she isn't completely f*cked when one platform glitches, folds or changes their Ts and Cs to screw their content creators. An emergency fund is good, but if she creates and holds back a small library of content, too, she'll have extra resilience if she needs to take a break from live streaming. RUclips creators are super open about how they keep themselves afloat and plan ahead for the unexpected.
On the first episode she mentioned she kept paying them off, only to then get herself in massive debt again when a paycheck was a bit lower than expected. She has a hole in her pocket, can't save. I hope she manages to get a bigger emergency fund, if that gets done i think she'll be good for the future
at 4:50 she did actually say she had videos scheduled and was posting instagram reels
@@DraggonnyShe had a log of videos and reels that she uploaded while on vacation.
It kind of seems like she just stopped spending on those cards and just put it on the bigger balanced cards lol
Honestly I was expecting her to come back on and be in a worse spot but honestly she's actually making progress and moving in the right direction
Yeah because she's got only fans and simps are paying her bills
Came to the comments to say this! She has her head screwed on more than most with an update episode.
One of the main reasons she has paid off so much so fast is due to massive donations on her first streams after the episode came out. I dont want to diminish the effort she has made and how hard it seems to have been for her because it did seem like she was going to completely crash and burn and she could have gotten worse even with those donations like so many people do when someone contributes to paying off their debt and that feeling of relief is enough to make them lose all the anxiety that was fuelling their will power and effort. But i do think the donations helped a lot and hooefully also kept her motivated knowing how bad it would look to go more into debt on the follow up ep after them
smoking crack meth will cut on ur budget...
She only on her for the advertising all Caleb doing is teaching her if she whines on the internet people will give her money
I love the thought of Caleb going to her birthday party and being like "this shit is frivolous spending".
😂😂
I can hear the voice getting higher right now
"Do you need a cake for your birthday when you have debt!!!!!"
i would love to see him just roasting her house and party liek pop up video style where as he points at or complains about something the price of the item pops up.
Right 😆
- "You didn't ask me to help"
- "Would you have come?"
- "No. But you still didn't ask"
🤣🤣🤣🤣
Chad status
“I’m busy and fat, but you could have asked” 😂
i feel like they'll end up together at some point lol
She brought him taquitos 😭 she rocks, her new hair looks great, she’s made progress, rooting for her!
She got so much dumber in 2 years
Simp
@@dynasty7298 obviously a female poster. focusing on superficials, and ignoring the important facts
@@Voidroamer simp
Right! She seems so awesome!
"You can't control your audience, but you can set an example for them." Very well said ma'am.
She is setting an example? She sells pics of her body and is a stripper. Girl Bye
girl paid off 3 cards in 4 months!!! that’s literally so amazing and honestly, this follow up seems really realistic to me. i think it’s really difficult for people to not use their credit cards or to not have fun monies. i think if she set aside x amount of money for eating out and fun money, then she can be more successful.
She really didn't pay off the debt, she just shuffled it around. Paid off a credit card while racking up more on another card is not progress. It's an illusion. So for real progress she needs to stop charging on her cards. She is NOT a credit card person! I hope she makes a change and learns to live on cash.
I paid off $18k in student loan debt in 3 months. Guess how much praise I have got? None! Nor do I deserve any. It was debt that needed to be paid back with priority.
@@kmb957congrats haha. what was the interest rate
@@kmb957but good job and congrats on being out of debt! it’s important to celebrate your accomplishments and give yourself credit where due
It's not that hard to not spend money on dumb shit.
It's really not.
Watching this stuff is like watching hoarders for me. Just here for the train wrecks.
Props to Adrianna for going from a 6-7 year treck to get out of debt to under 1 year to clear the rest up!
Selling your body online pays
Yeah I think she is doing well. Although I don't think he covered the student loans debt? Might have missed that. She also has not uploaded to RUclips in a couple months so not sure if she is keeling up with the grind or not.
@@_Delta_P_she doesn't do as much as most. No nudity. One thing I saw that was funny is she sells financial dom roleplay 😂. I just checked her page I would never pay for anything of that stuff but the simps don't deserve their money if they are stupid and desperate enough to give it away like that. The hub is free.
@@_Delta_P_Have you tried it? Cause its not as easy as many think
she wouldnt be able to do it without her OF account. Hopefully she can keep it up as she get older.
This has been my favorite update so far. Is she being perfect? No, but she’s making huge progress and she’s made a lot of concessions on DIYs to cut costs. This is one of the few times that I think Caleb has been overly-harsh.
Proud of you girl!!!
its needed sometimes
I mean he kind of explained. I think theyre actual acquaintances outside of the videos so he cares a little more im guessing
I think he's harsh because she still makes poor decisions and then gives BS excuses for them. Like moving to a bigger house so she can "create lifestyle content". That could happen in 6 months' time when the Apple card is paid off. IMO he's trying to get her to realise that she can't celebrate too early.
It's harsh, but he's right if she had kept her old furniture for the move, she wouldn't have had to buy new things. Was it cheaper in the end? Idk. I guess I can't judge, I'd start fresh just to avoid moving fees lol.
hes being harsh but its def because he cares, also i tihnk SHE NEEDS someone being overly harash cus as soon as he lets off her for it she'll pick up on the spending again
Seeing her get excited for her next financial audit made me so happy!! She has something inside her that wants to prove the world wrong and I’m here for it!
She's a stripper
Yeah, I want to be proud of her. I really do. I want to see her accepting her financial decisions as what they are. Bad. And learn how to do better next time. And better and better.
She’s a attractive female who lives off of donations from lonely men. I don’t think she’s proving anyone wrong in there assumptions about her…
She literally had a simp donate thousands of dollars to her to pay off her debts after the last episode.
@@defaultname7685so you want to drag her because someone offered to help her out.....
Hey Caleb, just wanted to thank you for the work you do. I started with 8,000 owed on a car at 13% interest, private student loans of 14,000 at 18% interest, and no emergency funds or retirement whatsoever at 23 years old. I just turned 24 and am finally debt free with a fully funded emergency fund, and contributing 15% to retirement, maxed out Roth IRA, and saving for a down payment on a home. You have changed the course of my life for the better, and you’re right. It is so incredible on the other side ❤
That's so inspiring! Would love to see an episode with a viewer that changed their life by watching Caleb's videos!
You're awesome. Good job.
Hell yeah! That’s awesome 👏
Hell yeah! Keep it up, it pays off yuge. I became totally debt free earlier this year (including mortgage) and it is the most rewarding feeling ever.
I would suggest just stacking money until rates or prices go down a bit. Maybe even saving to buy a chunk of land, throw a mobile home, tiny home, or barndominium on it and building a home step by step with cash.
Paying 8+% interest on a mortgage is death, on a 300k house you’d end up paying over 800k over 30 years.
Good luck, keep pushing!
How much is the fully funded emergency fund?
I think this girl actually does have a good heart and she has actually made progress. I’m rooting for her.
"me checking in her linktree" are you sure about that?...she's selling her body pics for money, call that a "good heart" more like greed/lust
@@techyin326, the two aren’t mutually exclusive bro. You can be caring towards others and people not like your occupation.
SIMP ALERT!!!!!!!!
@@techyin326how is that greed? lol
She is utilizing her talents. She’s gotta pay bills somehow. that’s not being greedy.
What is the problem with being an influencer? To each their own… who cares. She isn’t doing anything full on like onlyfans.
@@techyin326why it bothers you so much? Selling nudes doesn't make you a bad person.
I was hoping it was going to be the girl with the straw hat that any IRS agent would have a field day with, but we'll settle for the E-Girl.
I feel like the people we want to see don’t come back. I’m still hoping for an update with Danny from way back at the start of the channel
Agreed
Some day!
Oh yeah the Lady with the Straw hat was different, almost like she was in her own little world. 🌎
Yeah it was crazy 🤣
I liked Miss Texas TBH but all the cute girls on this show are entertaining.
I love how Caleb stays true to his purpose and won’t go on a site that has gambling
omg I didnt even think about that, of course he would be against gambling!
It would be like an ER doctor who encourages illegal street racing.
Yeah gambling is just a huge waste of money. Sure, it can be fun and it can be done responsibly but for people who gamble in large amounts and frequently it never ends well.
She should be a recurring guest. They have a good dynamic and could definitely benefit from consistent financial counselling to keep her on track. Nothing crazy, just like every 6 months or so. And maybe she pays off her debts and helps cohost every once in a while to help others learn, too. Maybe she cohosts on online content creator specific episodes or something.
Hell no. She may be a great guest on a podcast, but NOT as a co-host on a financial audit. Even if she manages to clear her own debt, unless she fixes her attitude towards debt, she will be a huge pitfall to anyone else trying to clear themselves. Her latest video is of her doing ASMR and getting a $50k donation. That is NOT within the ability/fortune of 99% of people.
The only benefit to her being a guest is that they get to mix audiences. This attractive girl gets the exposure to Caleb's audience, and her audience comes to watch Caleb because they follow her and want to watch more of her personality clashing against Caleb's.
That is ALMOST as good an idea as hiring crackheads to be pharmacy techs at CVS and Walgreens....... This chick has convinced herself with 100% certainty that she is going to live the hot girl summer life until the day she is buried or cremated. Nothing is going to go wrong because nothing CAN go wrong, obviously!
I'm feeling chemistry tbh
@SaucyVerveMistress na I think she's just a bubbly person
Caleb better be clapping those cheeks, with interest.
😂😂 omg I love that she brought Caleb some taquitos! I love these follow up episodes. It’s good to see how people are making progress. For Adrianah, becoming financially disciplined is a journey. It’s not easy changing lifestyle habits, but it can be done. Keep making that progress, learn from past mistakes and you will do well!
❤❤
Absolutely loved her bringing the taquitos! Absolute best and her bringing him to her birthday party
@@adrianahlee btw I think your doing pretty well in turning your lifestyle around, it’s hard to change habits. Also you got yourself another supporter!
Progress is progress, she’s lucky to have Caleb as a friend and I see her getting out of debt because she seems to be a fairly successful influencer, and she’s got someone to keep her on the right track.
You're nuts, dude... she's not getting any younger, and you know the cash ain't coming from other chicks...
I love how Caleb is non partial to every guest. He treats them all with the same expectations.
Always
It’s amazing! I can’t help but feel like smacking most of his guests!😅💪🏽
@@ISLAND_THUNDERWith a dead fish.🐠
Nah, he was way more chill with her. I'm not complaining, it was still entertaining
It's been only four months, she's had so many life changes, & she still paid off a few things. Good for her! Keep up the great work. 😊
“How do we know what is an emergency and what’s not?” Great specific question, thankful she asked that.
I think this is a great representation of content creators portraying a certain lifestyle yet they have thousands in credit card debt
It was a quick detail but she revealed (probably inadvertently) she had paid people doing work for her with debt.
she makes 6 figures at about 90% profit margin
@@juanvaldez7279 That has nothing to do with her having credit card debt.
@@juanvaldez7279 Also, how do you know her net earnings and her profit margin when we were only given two/three months of income and we weren't told what her businesses expenses came out to for last year? I'm still trying to wrap my head how she bought a new house and doesn't know what she's paying for it. The net monthly mortgage payment is only $2.7k for that area? There's something incredibly off about that to me, but who knows. Maybe when she comes back the third time we'll get an actual budget.
@@juanvaldez7279 but if you use 110% that doesnt help really.
Caleb and team,
for guests that are coming back on the show, I'd love to see their previous Hammer Financial Score compared to their new one. it would be an easy way to show progress and motivate the audience by showing the process working.
love the work as always!
Along with how much debt they paid off or added.
Yea I'd love a side by side comparison of previous debts Vs what they're in now. Could really show the effect of snowballing if they pay off 3 debts and are starting on a 4th or whatever they accomplish in 6 months.
Ouuuuu I hope Caleb sees this!!!
Also a quick recap of the previous video they are in at the start of the video.
❤ The constructive feedback.
Financial Audit was actually an elaborate ploy for Caleb to make new besties
*scheme on EGirls
@@BillyBoi911egirls scheming him. She's definitely stringing him along for views for herself
@@wsemenskeshe's a clout chaser
@@wsemenskeshe’s chasing clout… but she is inviting him to her party, and I’m legit torn if putting up with her BS on these videos isn’t a fair trade for access to her friends. We know from Iced Coffee Hour that Caleb is down for very casual relationships, and his income in her group of heavy partying clout chasers is going to be… quite a draw, shall we say.
He’s hunting for a wife and wants to make sure they are also financially sound.
I love how some people on Financial Audit seem completely unphased and sometimes even a little bit amused by Calebs tough love and rants while I would honestly curl up in a ball under the table and cry 😂
They have no shame
@@gnarl12 it's not sham more of pride someone cares
They know what they are signing up for and thus know its going to be tough
Caleb said it “I’m your friend”. A real one is gonna tell you the truth even if it hurts. I’m glad she’s turning her finances around
Paid off 14k in debt in the last 4 months, little over half way done. Your videos are definitely motivating!
That is amazing! You're doing great, keep it up!! 🎉
The stream she had after the episode aired had simps literally donating thousands into her debts
@@JasonRetributiongood for her and for her simps who can afford it and enjoy the feeling of giving women money. And if they cant afford it thats not her fault and msybe they should have their own episode with Caleb. It shouldn't bother you when it has literally nothing to do with you lmao
@@Zimzum93 doesn't bother me in the slightest. I was just explaining how they made such rapid headway into paying it off
@@JasonRetributionthanks, I was wondering how the hell she was able to pay off that much so quickly. Someone the same age working the average job, or in school could not do the same
Good on her for coming back and increasing her income. I hope we see her again in a year or so but DEBT FREE!!!
She's reeeee af
It was a little scary at one point she was relating having more money for one month to a better debt situation in terms of being more comfortable carrying balances and adding to them as a mindset. She does seem to be learning more concepts compared to last time though and slowly on the road to recovery.
Took some time to figure out what passes was because I've never heard of it. I can see why her income increased substantially, but I wish this society wasn't such a porn obsessed cluster of people. HOWEVER Not hating on her at all. If there is a market willing to buy your body and you want money then go for that easy dollar. It's her life.
@@Musubeeshe paid off three cards. Yes she could been more aggressive and shouldn’t be putting more on the snowball card but it’s still good progress.
I started two months ago with $6000 in credit card debt after watching this channel i've adjusted and gone down to $1000. on my road to zero. The videos were a wake up call. Thanks for that
Good job!
Her talking about being scared of CPAs and taxes and stuff is so valid and honestly really refreshing to hear - it’s stressful. I believe in you!!! You can do it!!!
As a CPA we are scary.
@@cthefroyou have knowledge most don’t want to know 🤣😭
@@user-eu3hi2vo3e I don't want to know it half the time
Caleb, what’s with the title?! She deserves a way better one! She’s doing so well - and if she continues on your plan she’s golden before she’s 25! Not dying in debt!! I loved her update - she’s very likable and real. I think her progress is realistic and amazing!! Great job and a big congrats to her! Now keep at it! - you’ve got this!!!
Making $10k a month is realistic?
As a normal person who watches all of these videos I just want to say that I was appalled to hear the comments that she has been receiving from this comment section. I just want to say that I think everyone who comes on this show is brave and awesome no matter where they are in their financial journey!
💯
People are always going to judge it is human nature welcome to the real world
Turn off the screen if you’re scared
@@JunkSockThey aren't scared. They're appalled..
@@la6136Judgement is a natural response. But it's something we can actively work on within ourselves and denounce when others openly spread it.
perfect to listen to on my WFH days to keep me financially motivated
YES! i work in sales and this helps me kick my ass into gear when I don't feel motivated lol
@@Meetoon733make those calls
Waffle house?
You're wifey material
mf works at waffle house hahahaha
I’m proud of anyone who comes on this show and makes any kind of progress. Changing is hard.
I want to see her back - she’s awesome, and feels really realistic for someone in their young 20s today (I’m 25 for reference). Really great episode!!! I love her
You can see her back anytime you want, just pay for her 18+ content.
Realistic I didn't know everyone in there 20s make 10k a month and has vacation paid for them. Oh wait they don't
Y'know.. I saw her first video only a few days ago, since I'm new here. I'm not gonna lie, when that video started, my first impression was "oh boy, another e-girl." As the video went on, it was clear she had some bad habits, but I got this sense that she was a good person stuck in those bad habits.
Now, seeing this video, I feel that even more. She seems like she has a good heart and really is trying. Sure, she could do better - we all can - but it seems like she's doing her best.
Adrianah - keep it up, you're doing a great job. Keep working and paying those debts down. Hope to see you back on here relatively soon with zero debt.
Caleb - keep doing what you're doing homie. Love these
Today I paided off my last bad debt and have a fully funded emergency fund! Thanks Caleb and all the people who've put themselves out there for inspiring me to be agressive and take care of business. I've turned the worst year of my life around! Looking forward to finally being on the other side! ❤
Hell yes! Keep it up!
Congrats! I love hearing this, keep it up!
@startingtech3900 you don't have to keep a balance on your credit cards, you just use them enough to keep them open (or however often makes sense for your situation) and then pay off the complete balance every month before your bank reports it to the credit agencies and they can tack on interest.
Woah that's amazing!! Congratulations!!!! 🎉🎉
Honestly she’s improving her situation and has made some progress. Good for her! I hope she continues to do well!
She seems like a really nice, genuine person and even though she's still making some bad purchases here and there, you can totally tell she's changing. 12 dollars for a birthday dinner/celebration at Red Robin's? That's incredibly cheap and come on its' a special occasion. I hope she continues to break down that debt and that she finds a niche that will pay the bills and she'll be excited to create content for!
The weird thing about this comment section is it lives under a rock. This isnt a random e-girl it is the girl who blew up OTK with SA accusations and then had herself blown up for SA'ing any dude with more followers than her
"blew up" is a weird way to say "was SA'd while unconscious".
I'm also not seeing anything re: SA allegations from her side after searching on Google and Reddit
Just gonna put it out there, comparing these 2 comments^, maybe living under a rock is better than being chronically online
@@nimbus1r it used to be easier to find, clearly she's done takedown requests. but pple who covered it showed the text msg of her apologizing to Cyr the night after. It said she had to be informed she acted inappropriately by other pple because she was too drunk and couldn't remember (seems like a pattern for her). However she definitely did apologize for her actions which an innocent person wouldn't need to do.
If this makes it to court (which it probably won't as a judge has already dismissed half of the claims she's trying to sue for) we will get exact knowledge on what she did to him that night. As Cyr will get called as a witness because part of her defamation claim revolves around Mizkif saying she "groped" cyr while drunk, which based on the text looks pretty likely.
She has so much confidence coming on the show! Being so transparene. I hope she knows she helping other people!
Being transparent lol?? She has straight up lied to him about her expenses. Don't for a second think she isn't doing this show because it is good PR for her career.
She hid that she's in the middle of a (bogus) lawsuit where she is suing other twitch creators for 2mil in apparent lost income, even though we know she makes no where close to that.
She would have accrued a minimum of 10k+ in lawyers fees by now since march '23, and seeing as 2 of her 4 claims have already been dismissed by a judge (with the other 2 to likely follow) she will also be on the hook for probably 100k+ in lawyer fee payouts to the defendants. Caleb's 3rd followup will be her declaring bankruptcy lol
Unfounded confidence
Been there with $. Went bankrupt in my early 20s because I was fracking dumb with credit cards and cars. What a waste of time but the years of pain was a great lesson. A lesson in humility.
Credit to her for putting herself out there and owning her mess.
It seems the channel generally cares about the guests.
Keep it up!
She's putting herself out there to gain viewers. Simps are going to search her up, find all her socials, slam her DM's, and send her money. She's not making 10k per month by being "creative".
This episode was so fun! The fact she brought in taquitos was the funniest thing 😂😂
Obviously she has more progress to make financially, but kudos for the progress she has already made anyways!!
If I could say a thing to Caleb I would say this:
It seems recently you have a little bit of impostor syndrome going on where you don’t feel like you deserve the success you have. This couldn’t be any farther from the truth.
I have consumed a lot of media in my life, read a lot of books, listened to music, etc, but I have never (or very rarely) benefited from these forms of education and entertainment like I have from your show.
When I started listening I had a lot about $17,000 of credit card debt for very dumb reasons. From your show a got a lot of practical lessons and just inspiration to keep going. Today I paid the last bit of credit card debt. I can’t believe I racked up what I did but am really happy to move past this chapter in my life. All the thanks goes to Caleb for being the impetus to this change. I cannot thank Caleb enough and for that you deserve all the success in the world.
Plus I think this show is just the beginning of your career and success and not the end.
I am now debt free thanks to watch you Caleb. A few months ago I realized my new car was keeping me drowning in monthly payments, so I looked at what life would look like if I sold it based on you often criticizing Americans feeling like they have to have a car, when they really don't. Everything I need is within 5 miles of me, and I have door dash to help with perishable groceries. It was nerve wracking at the time. But now debt free, and building a healthy emergency fund.
Before watching you having an emergency fund was having 1-2k for overdrafts. For me coming from a financially illiterate upbringing investing is anxiety inducing. For the high yield savings account, I am nervous about non-brick and mortar banks. Chalk it up to being older, and not confident in putting my money somewhere I can only access it through the internet.
I would like to give you a big thank you to you Caleb, and your guests who come on.
U FB direct gives you a debit card to use and a check book. There are good high yield savings account options with easy access.
Damn good job dude
Hey Caleb, thanks to your videos i got a second job and paid off my $35k in student loans in 8 months. I am officially debt free and now able to actually start planning for retirement. A little late at 33 years old, but i figure later is better than never
I’m so proud of you!!!
Would you mind telling us what your second job was?
Thank you and I was a float pool nurse at a second hospital. Luckily they were flexible with my full time job schedule which allowed me to work as many extra shifts to chip away
I’m late to the party but omg CONGRATS!! That’s incredible!
You're still way ahead of most people your age. At 33 i was way behind but buckled down and now at 42 Im 30% ahead on my retirement track.
Awwww I love her! She’s like the best to watch. And Adrianah if you’re reading this ur doing great and we are all proud of your progress & bravery coming on here!
I think it's great that she's made some progress, even though it's less than it could've been. I think she cares more than most guests, and it's just a matter of educating herself on finances, which she seems to be slowly working on. Given her income and her young age, she has the potential to be in a really amazing financial situation. Wishing her the best of luck! Great episode, Caleb!
Caleb, I know there are people who will always be negative no matter what - but MOST of us see your kindness, sincerity, decency, compassion, and generosity. You're one of the most genuine people on RUclips. ❤
I'm an older man and have been decently good with my money but I'm fully aware I could have been much better when I was younger. Shows like this are going help so many people especially the younger generation. It's awesome to see, young people finding interest in living a debt free life and having the bravery to get on a show like this.
I felt really bad to hear that she was receiving mean comments in the comment section. No one deserves to have mean remarks. I think it took courage to put herself out there and showing where she is. Not everyone can have the courage to do that themselves, let alone with a big audience. She has come a long way in the last 4 months and I'm totally rooting for her success. She's doing a great job!!
She is literally accused of SA by a bunch of people... specifically targetted SA trying to gain followers from a bigger creator
@MoneySchool-kc2jo you can search it up in the austin, tx court records, or there's a youtuber called Henry Resilient who covers the court docs.
Basically she's currently suing other creators on bogus accusations for 2mil (lol), of which 2/4 charges have already been dismissed by a judge (with the other 2 probably to come shortly).
This is going to financially destroy her (and rightfully so as she's been caught in conflicting statements and is literally trying to ruin people's lives) as all the defendants will be entitled to recover lawyers fees. So she'll on the hook for 100k + when it's all said and done.
She's hiding all this from Caleb as well, I bet he has no idea about all her own lawyer fee's which have been accrued since March 2023. This girl is a poor choice to have on the show, she's a terrible human being
@@ThatSBwasn't she the one SAd and then mizkif not only hid the fact his friend did it but he also blacklisted her from LA content creators...
@@alpaca6462 judge threw out 3/4 of her claims and next month will likely dismiss the 4th. Expect a 75-100k hole in the next audit video when the defense lawyers are awarded costs.
@@pa3041 isn't OTK counter suing too?
She is probably my favorite person who has been on this channel, she is just so damm entertaining to watch go back and forth with caleb
I think it's so cute that you two became friends! I hope she continues to do better, and I can wait until the next follow up.
Her and Caleb have great discourse. It seems like they're friends which I'm sure means she'll overcome all this debt!
She’s improved her financial standing and she’s only had 5 monthsish, so well done. I can understand the impulse to furnish the new house. Sacrifice the smoothies and use eats and she’ll be getting there. Thanks for the update
Moments of this video were actually very real and raw, digging into the difficulties of being in the spot light. Good work y’all and good luck to both of you:)
I honestly love this relationship. Like he's so genuine with her and she listens to him(not completely but she still listens) and this is just such a cute friendship
With her first financial audit, I wasn't expecting her to change. I am very happy to see that I was wrong. Glad that she is making progress. She still has a way to go. I'm sure she'll be able to do it now.
Probably more work for the editor, but maybe having a 2-minute highlight of the initial audit in these follow-ups would help prime everyone on the guest's situation before jumping into the new audit. Just my thoughts.
That is a fantastic idea. The fun is in comparing then to now.
Caleb you have taught me money management skills that I’ve NEEDED MY WHOLE LIFE. I have paid off 8k worth of debts and am now working on funding a full e-fund. I’m using SoFi currently and don’t touch the savings. I appreciate you more than anything. I LOVE your videos and I continue to watch to learn more 🎉
she’s made some MAJOR progress. i think this is my favorite update so far!!! proud of you girl!!!!
Thank you both - Caleb for sharing your knowledge and Adrianah for being so vulnerable and helping other viewers. We appreciate you!
I’m generally a comment reader rather than a poster for various reasons, but there’s so much negativity out there that I thought I’d share something positive . ❤
I hope for the best for Adrianah. Content creators seem to really be susceptible to lifestyle creep, and the trap of taking on debt to maintain an image--perhaps because they spend so much time online as part of their field. Given her income she definitely should be able to live below her means, get out of the debt, and then save. She needs to set and follow her budget, it seems like she's making some effort to pay off the credit cards which deserves some kudos but she's still spending on things she shouldn't be.
My biggest concern if I were her would be that she's in a career with a short shelf-life, ideally she'd be saving a large percentage of her income so that she's set when thing inevitably take a downturn (it always does for content creators eventually) and find ways to supplement her income/investments to secure her financial future for the long term.
cool to see y'all became friends and at the same time have real conversations like these.
It was obvious that Adrianah really got something out of the last episode & she is trying! I loved seeing her again & Happy Birthday!!
Adriannah has made a lot of progress in these last 4 months! 👏👏👏 I hope she continues to make improvements and is able to convert her passion into marketable content! It's definitely hard not to be judgemental of guests because I think it's human nature to make assumptions. We definitely need to make conscious decisions about what we post, myself included. Rooting for my fellow Michigander while sipping on Vernors and lamenting the lack of good coneys where I live.
I LOVED her! I’m so proud of her progress. I’m rooting for her! I hope she makes more progress!!
I love that when she brought out the food he mellowed right out, good thinking
I love that the editor included a shot of Caleb sneaking another bite
Thank you Caleb. You are a savior for small people in the money world. Much appreciated
I appreciate you!
@@CalebHammer I think all of us here can say the same to you!
Thanks Caleb. Paid off 3 of 5 cards this week. Another next month. Working extra and have my one month emergency fund. Love the follow ups.
I’m glad she came back and is doing better. I hope she comes back again and is out of her debt. This really is a wholesome show.
Honestly really proud of her progress. Didn't think she was very serious about it after the first video but she's done well. Good job.
I seriously love this girl. She really is trying and you can tell she has a good heart. Just making a lot of “mistakes” but I do believe she will get there.
i would do some digging on her, :/ shes really another girl selling her body pics for money, and shes suing creators, its all lust/greed
Lol she's sugaring
@@gnarl12ok and
@@gnarl12maybe you should try it
Caleb, these videos have helped me in maybe an uncommon way. 6 years ago straight out of grad school I married a self-made, financially successful and savvy young man, and I brought in a bunch of student debt to our marriage. He took care of it. He has always handled the finances, and is always “finessing”, and my poor mental health has meant thinking about finances has felt like too much of a stressor to even process how he has managed finances so well. Before getting married, my accountant father basically managed things for me. Thanks to watching lots of these episodes, I gained the confidence to do a financial audit of us by interviewing my husband. This communication about finances is really improving the financial aspect of our marriage, and working toward financial goals
Together! Thank you for making this fantastic content!
Congrats! I hope you have many happy years ahead together ❤️
I'm glad shes been able to turn around her situation somewhat. She just needs a few more years of maturing and she should be fine
Progress!
We need a picture of Caleb at this party out in the wild
That would be amazing!
Wearing a giant calculator around his neck.
Here is one comment you can read. You did a great job on your hair! Keep focusing on doing right and things will get better. I know you can’t feel it now but once you make that last debt payment and you’re free you will feel so good and sleep better too. It’s amazing how much things like debt actually do eat at you below the surface.
I really enjoy hanging out with you on twitch.
I'm rooting for her. It's hard to change spending habits. She is going to have sooooo much fun once she is debt free!!!!! You've got this!
I love how Caleb continues to re-ask a question when guests respond in a way that doesn't actually answer the question.
Caleb, I started watching you very skeptically. I didn't like the clickbait. I thought you were making a show out of shaming people for being poor.
But you've inspired me to pay off my debts. I had 15k in student loans 6 months ago, and I should have them paid off by the end of the year.
I appreciate that you've built a community to celebrate your guests putting the work in to help themselves. I now see the bait is a force for good. You're doing a good thing. Please keep going.
So proud of her. Didn't think she would have made as much as progress as she has. Good job
This is one of the few guests that I don't end the episodes hating.
She seems like a really sweet girl, she even brought you toquitos. She's cute too.
Nice to see she's still keepin at it.
Keep learning girl
Late to this one, but hella proud of you girl! Just came from the previous episode and I appreciate watching these - and you specifically are just so real to watch and you two hold such a wonderful vibe throughout the episode its just so fulfilling to watch. I just got myself into the first debt I have ever been in and I got so scared, watching these episodes has given me so many tools and just confidence to navigate the increbidly closed off world of money-related everything. Thank you so much Caleb and all audit-ees!!
I hope everyone realizes this is a 23 year old (if this came out after her bday). She is just entering the adult world and if she was a college student she would have more than like have student loans. Proud she came back even with the mean comments from last video. Hope she keeps getting better. One day at a time! You got this!
you’re so sweet thank you 🥹
I've seen her since like 2020 when she appeared constantly on a stream of someone I watched. She still the exact same. It's crazy how easy it is to be a female and get 20 different forms of bailouts lol.
@@mkzzzzzzzzzz1if "she's on every single show you watch" it seems like she's working while you're just watching twitch?! Not sure how that's bailouts. Lmao
@@musicart2007 I watch 2 streamers on twitch that barely even stream. She so happened to be a person in the background. She gets bailed out because if she wasn't a girl, she wouldn't be able to be a streamer, she would be sued to the ground (she tried suing someone and failed miserably, but other person didn't bother pursuing it since she's worth negative assets), she wouldn't be able to get easy networking opportunities (she wouldn't be on this show) and she wouldn't be getting paid 5 figures a month by being completely below average in every metric while working like 5 hours a month and going on week-long vacations while in big debt. I'm working more than her, my g.
This guy gets it.
I think she’s on the right track. It’s an improvement from where she’s been. Budgeting is literally a learning process and I think she’s doing a good job learning how to do personal finances. Most of us learn bad finances from our parents I know it’s not everyone but every mind is different but I think she deserves an applause for the small improvements she’s done.
Caleb is fumbling the bag by not having a follow up with the 41yr old taquito baby
That dude is a potential threat to shiv Caleb on camera. While we’d love a chance to hate watch that dude again, it might be in Caleb’s best interest to not let that guy within 300 feet of his recording studio
Caleb said on the subreddit that he’s still in touch with him. He approved Caleb using his face on merch (with a profit share). Maybe one day.
@@THEMATTHIAS225interesting. Was assuming he had to have gotten some sort of permission to do that.
@@THEMATTHIAS225I wondered about that
Got some great news!!! 😁
Lol, I really like this girl! I watched the first video and I immediately took a liking to her and this video made me like her more. I hope she pays off all her debt soon and I'm so proud of the progress she made 👏.
I love their friendship! And I hope she is able to start making her new content. I’d totally watch her show! Caleb should be the first guest!
This would be a lot of work, but on these recap episodes you could do a "imagine if you followed the plan" and calculate out where they'd be if they'd followed your plan. Plant that vision of what could have been to make it easier for them to work towards.
That’s a pretty good idea tbh
I’ve been in the hospital and watching these have been great. Thank you Caleb
Oh wow, are you okay? 🙏
@@CalebHammeryes thankfully. had to have emergency surgery. recovery won’t be too bad. thank you for asking 🙏🏾
I recently went from a 1 bedroom apartment to a 4 bedroom house. We didnt have a dining room table for 4 months. It sucks but most furniture is not a need.
She's funny and cool and can take one on the chin, she's putting herself out there and working to improve. Good for her. All the little justifications she makes for her spending might seem tedious, but we all do the same thing internally. It's hard to stay disciplined and she's being honest.
You are awesome girl! Keep it up. I was in my mid 30's before I decided to pull my head out of my a$ financially. Good on you!
As a content creator living in Austin I am very happy I don't get somebody calling me out on my stupid food purchases haha. It's very brave to go on here, you go Adrianah!
*cough cough* come on the show!
@@CalebHammer well I wrote you on IG but you never read it ;) no honestly, I would be boring, I have zero debt, don't do creditcards & never go out because I have no friends here. it's all doordash on a debit card haha
Haha, love that you brought Taquitos, and also love that Caleb got mad at you for spending that money. You got this, girl! Stick with the plan!!!! You can do it!
She can do it!
The first financial audit I watched was Adrianah's and from the get go she seemed to me a classic risk neutral person who runs after potential gains without worrying about risk. I am glad that she has made so much progress both in earnings and reducing bad debt in such a short time. Don't change drastically who you are cause maybe that's the reason you will be successful.
Killing me Caleb. Wanting to watch the post show, but trying to cut, "frivolous" spending to pay off debt.
taquito flex was rad. Also this is one of the best updates. Really impressed with you Adrianna, good on you for applying what you learned. And bonus props for solid streamer income lately. Great to see!
She's doing better than I expected and I know how she feels about not being stressed by debt. My stress was in the lack of savings, not the debt. It does feel freeing to be out of debt, though.💜
I love the follow up episodes, it’s interesting to see which guests take it seriously or not. I would say at least she’s made progress on paying down her debt , she’s just gotta cut out some of the unnecessary expenses then she will be well on her way to financial security!
Caleb! I appreciate you. I hope you don't forget for each negative comment, there are 10 positive. The positive matter! Keep up the great work. You're making generational impacts on lives.
Caleb…. Love your show. She bought you taquitos!!!!! Well played miss… well played. I have not laughed that hard in weeks… thanks for that… and masterful move!!!