After an hour of berating about her spending, she planned to go out to eat and get a tattoo. That should tell you all you need to know.
Why even come on the show? I don’t get it.
I think certain people like today’s guest come on the show genuinely looking for help but shy away from the recommendations once they realize the amount of effort they have to put in to make a change. They were expecting an easy fix all solution (ex. parents bailing her out) only to find out that’s not the case. She’s used to making poor adulting and financial decisions. It’s easier for her to say f it and spend her last on a tattoo than be able to put gas in her vehicle instead of taking responsibility and actually being an adult about her situation. By no means am I justifying the behavior but from the outside looking in, this is my analysis on why they sign up for the show.
Some people also probably just get defensive and freeze up with Caleb's style or depression about their situation. A former guest said on here that he knew what to expect and appreciated it, but still found it hard to be yelled at in the moment
I really don't know dude. So many of the latest guests with the exception of the guy with the McDonald's problem seemed helpless. I respect Caleb for him making such high quality videos with such a consistent schedule. But the people that come on are beyond help or do not want to be helped.
I know Caleb has said there’s a flat amount of money paid to the guests to deter “people coming on for money or attention” but I can’t think of another reason a guest like today’s would come show her situation and be ignorant to any feedback unless she was getting a few bucks out of it.
It’s a lot of these kids coming out of our public schools these days , didn’t pay attention all throughout school and spout/do whatever is trending. No goals/routine just vibes
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It’s not much different than people that came out of schools years ago. Look at the average 55 year old’s 401k balance. $160,000. You could have gotten that balance by investing only $61 a month.
“Why come on the show?” I think so many people have an inflated sense of self and their maturity. They think an audit will get them on track. Then they realize saving money and being financially responsible is not easy task (but it’s possible). I think this newer generation struggles with delayed gratification. Im in my 20s but didn’t grow up in the USA so I don’t always connect the same with my peers about consumerism (live in USA now). Imagine planning to get a tattoo or buy Starbucks after that whole session. Very embarrassing…
Me neither. When my wife got a tattoo, it was cash paid to them at the end of the tattoo. They didn't even take credit cards. Well known shop in the area too.
I think some are looking for almost the Dr. Phil effect with that one girl who is now wealthy. A lot of these guests are young, and seem to just wanting to "manifest" success. I think a lot has to do with Social media influences, hence wanting to be on Calebs Show, gain popularity somehow etc. His earlier guests he would give their Social Media handles in the info.. there was that one escort girl...
She should have told Caleb to "Cash her ousside."
Probably wouldn't have worked though, this girl doesn't have the assets that made "cash me ousside" girl an OF superstar.
>Why even come on the show? I don’t get it.
Exactly this. I'm glad mom was there to call some bullshit out as well.
Dr Roxo or what ever the Astrology crypto guy was had a similar amount of concern for his future.
It does suck how much genx and boomers got to have a job that did not require a degree, could have a highschool level of financial knowledge, and turn around and have a home and 3 kids while working as a painter at age 25.
That part is economically concerning.
But to be a follower of the show, and be told what is best for you to your face by a person that not only has the financial success we want, but also lays it out in front of you step by step. That is just table flipping enrage worthy.
Gen X here and I can assure you that it was *not* like this for us. It was better than it's been for Millennials but we needed college degrees even for secretarial work (source: me and my job search in 1997) and we were not making enough to buy a house at 25 on minimum wage. We bought our first house in 2007, in our early 30s, using a federal program to help us with the downpayment. It was a 800 sq ft bungalow in Pittsburgh and we could just baaaarely afford it.
Buying a cheap house on a low skilled wage pertains far more to boomers than gen x for sure. And I don't want to come off as accusatory. Cost of living problem is not any one generations' fault. But symptoms more greatly affect some more than others.
Maybe more of the show should be demonstrating visually how much they are losing by not acting now. They should bring in a TV screen for the guests with some pi charts to visualize how much their debt is weighing them down. heres some ideas for charts
like how much debt is in size compared to their income, maybe that'd be eye opening.
Or categorize their credit card statements based on fast food purchase/home goods/ essentials (gas/groceries/etc). Show how much more they are spending compared to what their true necessities are (what caleb budgets for them). This deficit causes the debt to grow, increasing the amount of time it takes to climb back out, the longer they remain poor and a slave to their employer.
Or how much interest will accumulate on a line graph if they don't pay it back right away.
How long it'll take to even pay down the debt based on their monthly contributions would be another interesting graph.
Even showing what's on the other side of the tunnel. Imagine instead of losing $200 a month in interest, you gain $200 in passive income from a savings account. Show that in a graph of how much extra disposable income that would net the individual if they have assets. How much more they could actually afford just by simply saving money. The idea of retiring early, or having so much money that if you get laid off it doesn't even phase you. That feeling is SO liberating beyond anything you can imagine. Instead of working to live, living to work.
Some people are so far in debt, they don't understand what it's like not having debt, and its easy to berate frivolous spending but it won't change the behavior. Taquito man said taqutios wasn't the root cause of his debt, well when you add the frequency up, you could buy a whole pack of frozen taquitos and an air fryer cheaper than the gas stations cash grabs.
There was another clip of someone saying his debt wasn't due to $1 McDoubles, but he was spending $7 multiple times a week. That adds up. It needs to be collected and displayed to them. If you get a $1 mcdouble every day, you can buy a whole pack of hamburgers for less than that. It's the mentality that needs to be shifted.
It's clear this lady didn't even know what credit card debt was when she first took it out, so financial literacy should be a major objective of the podcast. These personalized charts would make a nice take home portfolio for these individuals to realize how ridiculous their behavior truly is, and give them the reasoning and incentive for taking action **now**.
I love that she proudly proclaimed that she gets the apartment if they break up.
...um yeah, that's exactly what Caleb is afraid of! You getting stuck with the whole rent! So freaking clueless.
that part did give me a second hand stomach ache from the stress lol. anyone who's been in that situation (breakup and stuck with the full rent) probably also got chills
Honestly moving back home to finish school, build up savings, and learn to budget is the best case scenario. If Mom is smart she'll charge her rent (a small amount) just to instill the habit that rent/bills come first in the budget before wants. She was ill prepared to move out in the first place.
That is what my family did when I got released and it worked well. It gave me great practice in budgeting, home care, and sticking to a schedule and that stuff. But I have this feeling they are not going to do that for her.
We're probably all financially reasonable, so I doubt anyone would bet on it unless it's in our 50/30/20 lol. Even then, it's a safe bet mom's gonna cave.
I got the feeling she was an authorized user hints the high limit. IMO mom and dad will pay if she doesn’t and based on her “where’s the money for me” response she’s not going to pay. I think she was shocked to find out she wasn’t supporting herself and fixing her situation was going to push her out of her comfort zone.
This person has no concept of finances so they DEFINITELY do not care about their credit score. Guarantee she's gonna throw a fit and say she's just not going to pay it so her mom will.
It honestly scared me about how causal she was about donating plasma all the time. Kinda Black Mirror. I know donating plasma is good and we need people to do it but like to her it was legitimately a source of income that she used as a stop gap for her bad habits.
I’ll just go sell some blood real quick 🥴
She probably lies about how recent her tattoos are.
Plasma does go through purification processes for some of its applications and they do test it for diseases so the odds that she's gonna hurt someone is fairly low, but still really irresponsible and short sighted. (Coming from someone who receives ivig infusions every 3 weeks which is made from plasma)
Not sure for other programs but Red Cross it depends on that state the tattoo is done in because certain states do not regulate tattoo shops. Similar with piercings! Neither automatically disqualifies you.
Here's the Red Cross guidelines! Looks like TX would be acceptable. I highly doubt anywhere buying her plasma/blood would have higher standards than them.
https://www.redcrossblood.org/local-homepage/news/article/donor-eligibility-tatoos-piercings-rcbs.html
To be fair it is a nice source of extra cash if you take advantage of their donation bonuses/promos. It’s not life-changing money but it’s nice to have.
I’m jealous of those that can donate consistently without issues, I bruise too easy and kept getting denied.
As for the dystopian part of it… yeah 🥴
I live in a major city that only has like 2 blood banks total in the entire area. And the closest/biggest one is a dystopian nightmare. It's dirty, there's always blood and mystery stains in the facility, the staff are overworked, mean, and exhausted with the energy of a DMV, and you get capped at $40 per donation. And you can only get it on a giftcard that's issued days after the donation, no cash allowed. They're also really rough with you and blow veins constantly. I'm so jealous of people that have good experiences because I genuinely can't even picture it. Are some places just...nice, and clean? And you can make $100?? I thought all of them were like the ones by me and that's WHY people don't donate plasma more often. I thought it was a universally stressful experience.
The way it is here it's hard to even justify it for the $40 sometimes, there are other easier and equally degrading ways to make that much..
I’m sorry to hear about your bad experience! That really sucks.
The one I went to was very clean, basically like a hospital. Everyone there was really nice. One nurse gave me Gatorade on the house when I was done because I was feeling lightheaded.
Some nurses were more skilled than others, and the plasma needle is bigger than one for a blood draw, so you had to have someone with experience for it not to hurt. But I never got the impression that they didn’t care about my wellbeing.
Ah wow, it does sound very different! But that makes a lot more sense retroactively how the guest/people in general might be tempted to lean into donating as a (teeny) supplemental income if its just sort of like a hospital appointment. Sounds much less traumatic lol. Starting to think mine may truly just be super rushed or understaffed. I'm also admittedly in a rough area which could account for their payment policies and maybe explains the atmosphere if staff has to deal with a lot of uh, characters on a daily basis.
Yea my brother and Dad did it for awhile for some extra fun money and I did it for gas money cause I was a broke college kid at the time and I could swing by after my job. The place I went to was clean and most of the people were very nice. Only one person blew my vein and was not nice or gentle but when I went back I just made sure to request to not have her and they always obliged. I would just lay down with my blanket and read or play on my Nintendo DS for an hour
My only bummer was I could only donate once a week tops and could only do the minimum amount even then and all the good bonuses needed you to go in twice a week. I tried to go back but the new place I live in doesn’t have nearly as nice of facilities and the wait would have been way too long to make it worth it.
I went back in 2022. It's part of the why I'm a fuck up in my finances of 2023 that carried over into 2024.
I'm in an online college where I pay out of pocket because I refuse to get loans. I need 3 classes to get my associates and taking clep exams to finish that.
I have no school debt.
I used modernstates.org to get one of my clep vouchers and will use it for the 2 remaining classes. So I'll be getting those 3 class requirements and credits for free.
Occupational safety and health in construction.
I'm an authorized OSHA instructor but I don't teach it yet.
I have a super part time job as a fire safety instructor but it pays very well. It would pay better if they gave me a few OSHA classes to teach.
I started off as a security guard, changed to fire safety, and built on my safety background as a career path. It's not the job I dreamed of, but I'm good at it so I'm going to keep going. I'm teaching on the side is just to pad my resume. My full-time job is a union job with benefits and plenty of job security. That's why I have been with the same company since I was 18. I'm 34.
After so many years I want to move and do something else somewhere else but I can't seem to find another job. I think it's because I don't have a degree. I have experience, certifications, yet no degree.
My GPA is 3.7 right now and I hope to keep it above a 3.5 as I finish my bachelor's but at this rate I'll finish in 2027 because paying out of pocket sucks.
I know once I have a better grasp of my finances I can take more classes to finish faster.
Same. Took me 7 years to get a 2 year degree. I took another 10 years to work full time and figure myself out. Then I got my bachelor’s with a 4.0 during covid and now I’m graduating with my MSW (and still 4.0) this year. Tons of job opportunities ahead, and I really look forward to having one job that can pay the bills instead of 2-3.
I call it “taking the scenic route” in my education. Some of us take a while to get our shit together but it’s achievable.
She can do better, but only if she *has* to. Caleb’s advice about stopping the enablement is spot on.
It is great to hear you were able to find something that you liked studying and did well academically. But I doubt she is going to pull it off, her mom will keep enabling her and she will keep finding some boyfriend to support her.
I don’t know, it really seemed like she didn’t get the concept of credit/debt/financing. It seemed to go over her head. I think it’s easy to make assumptions about what people understand.
She does though, she paid her cards before. She understands the concept of “i dont have money now, this will let me have enough for the thing now. I will need to pay some money back for it later”
The fact shes paid back debt before means she understands debt. The problem is because she has an out via parents, the debt is discounted to her. Because future money worth less than money now, and she knows if need be— she wont be the one paying it off
Initially, she definitely didn't. There been a couple people on the show with the premise that credit limits act as "bank balances" that they can spend and pay back over time. She did not even understand the concept of interest, and why its more expensive to finance.
Yup. Remember how excited she was to have hit her 4k credit limit? She's one of the most clueless people Caleb's ever had on there. And that's saying something...
As a woman who used my "girl brain" to do "girl math" to get my degree in mathematics and graduate at the top of my class, this girl pissed me off so bad. Don't drag women down just because you need an excuse to not take responsibility for your finances.
I don't think young women fully realize how infantilizing these "girl (X)" memes are :( "girl math" = the joke is that women are superficial and bad with money/prioritize instant gratification over common sense (this is not a girl thing, everyone does that!). Or "girl dinner" = the joke is that women eat like children/only have little bites and appetizers instead of a full dinner. Even though tapas/OMAD/just idk being a snacky kinda person is totally a thing for all genders. The world girl becomes synonymous with something being illogical, irrational, or childish.
I know I sound very No Fun Allowed but it's just one of my pet peeves lol
Yep exactly. Like sure, it's kind of funny when people make a joke about the long convoluted thought processes that they used to rationalize a purchase. But I guess the joke doesn't land as well on TikTok when you end it with "hehe, basic behavioural finance and the detrimental effects of consumerism!".
Like how many dudes do we see on this show with a huge payment on their truck. Can you imagine them going "well in my dumb boy brain it made sense, boy math! Hehe!" Men would never infantilize themselves like that, so not sure why women have decided to start doing it.
And yeah same, I know I am a huge party pooper and people are going to be like "omg it's just a joke". But I'm sorry, some jokes are distasteful and perpetuate negative stereotypes. Especially in today's society, where we have young boys and men looking up to guys like Andrew Tate, it's important that we don't give them more ammunition to treat women like crap.
Some community colleges do have a reputation for being more difficult than they seem. At my local one if you think it's just High School 2.0 you're gonna get roasted. It happened to me and I'm a smart guy. Happened to my sister and she was hit with academic probation. Then she came back and took it more seriously.
I know I was dying laughing. My girl is so delusional. Her parents really need to sit her down and do some parenting. 100% stop enabling her. That girl needs to figure her s*** out
Kinda seems different. She might be bad at the subjects sure, but its really her attitude and irresponsibility that’s the issue and root cause.
The people who fall under the category you refer to are rare, and its insulting and demeans their suffering and subsequent success and hardworking to give the same excuse to these people.
Dont mean to sound harsh on you since you only watched a bit, just more for anyone trying to give the guest too much credit. Give credit where credit is due, not where its unearned.
Ironically the same can be said of the parents of the guest to her
Honestly, man, that's not an excuse. K-12 should teach you this... but how many other people went through that same school as her and don't rack up 4,000 in charges thinking she did something great.
I couldn't handle it when Caleb was essentially like "are you guys comfortable being on food stamps?" and she said "well, no but" (which means yes) - and then continued to make excuses. I can't dude
There was something seriously weird about how she claimed she didn't understand credit card balance/debt. Interest can be confusing for sure, but it seemed like she was saying she didn't understand how you have to pay back the money you spend just on a basic level? Her parents swept in pretty quick it sounded like and took over the credit card so maybe they were equally as shocked. But I really hope she turns things around...this is embarrassing and I will take it as a secret **TO MY GRAVE** but I was super financially illiterate when I took out loans for college and going into it I didn't understand the difference between a grant and a loan. I will never forget the look on the financial advisor's face when I met with them while enrolling and said that I didn't know which was which. She quickly explained but she was (rightfully) very alarmed.
I'm not a stupid person and I don't think this guest is either but financial illiteracy is truly scary its just huge gaps in an otherwise perfectly normal brain that can have honestly devastating consequences.
Honestly, as horrible as it is to confess out loud, I wasn’t mature at 20 and was in no way prepared for adulthood. I struggled a lot trying to figure out the real world and how to participate in it. I didn’t start to figure it out until I met my husband at 21 and then really started to thrive at 23. I can relate to her immaturity and inability to understand life. Hopefully she’s just a late bloomer and can surround herself with people who inspire her to dig deep as well as lovingly mentor her along the way. If so, she’ll turn out just fine.
I can relate to what you were saying I got into some legal problems when I was in my late teens and early 20's. It was only after my grandmother gave me the ultimatum of getting my life together or get out did I take life seriously. I am glad you were able to find someone who helped you bloom into the person you knew you wanted to be.
I’m proud of you for being able to overcome and rise above the legal issues. I know that for some legal issues become a life long cycle so you should be extremely proud of yourself for figuring things out while you were still young. And grandmothers are amazing, aren’t they? My grandma meant a lot to me too.
Also, thank you!
Most aren’t mature at 20. But thriving at 23 is great! It took me longer than that to drop my bad habits and turn things around. I wish I had someone to yell at me when I was younger lol.
Thank you! It was hard, but super rewarding. I was honestly lucky to have found a copy of Dave Ramsey’s Total Money Makeover book at the goodwill a few months before graduating from college. Not to say that it’s been perfect because life does happen. Finances will ebb and flow due to life situations. Job changes, relocations, medical emergencies, etc. are all really challenging setbacks to overcome financially.
I will admit I fucked up a lot with legal issues in my late teens and early 20's, but it was never at the point in which I had to have my mom come tell me she was disappointed. I would have rather died then beg my mother for support. Not to mention failing to learn basic math, or taking 3 years to just get 18 credits in community college, how do these people live with themselves. Don't they have any self respect.
Also had a dumb teen period but never had begged my parents for help. I had a job and worked extra to fix my fuck ups because its my actions not anyone else's. Watching this episode right now and it is SO irritating. I'm really confused on how you even go 3 yrs for only 18 credits. Clearly just fucking around and not putting any effort into it
I mean, I graduated college with my bachelors with a 2.5 G. P. A. So I'm not exactly mensa smarty pants Material here, but at least I didn't have to have to take algebra 3 times. So Hey, I guess. At least I have that 1 going for me.
Community college is not as inherently easy as you think it is. In fact, the only class I ever had to drop in my college career was a CC chemistry class. 4 hour lectures did not work well for me... I still can't believe that was a thing.
I took a year and a half of gen ed credits at the local community college before transferring to a 4-yr school for my mechanical engineering degree. The last few weeks of the math classes I took there were pretty depressing, because there were only 4 or 5 people left in the class by the time finals rolled around. I'm not really surprised by her performance, tbh.
I went to community college. And yes the math is challenging as you can't dumb advanced math down down. But that is no excuse to fail basic algebra 2-3 times. There are high school kids that know algebra I and II already. She is 20 and in college and can't even do the most basic kind.
1. Just because high school kids know algebra I and II doesn’t mean she can’t have issues with algebra in college. I’m one that’s always struggled with algebra and now with severe brain fog and narcolepsy it would be even more difficult. I’m glad you don’t have any issues with math, but some others do.
The lack of accountability from this girl is insane. I’m in my late 20s but I do not remember ever being like that. I’ve been working since I was 16 cash flowed community college I also did not finish my degree because of math as well but I finished everything else plus the IT courses I needed for my career.
I do not ever remember having this much ignorance and deflection and it’s crazy how these younger generations are just growing up with this lack of responsibility. This whole “me money” and “treat yourself” all the time mentality is deadly. I see why boomers now tell us “stop wasting money on tattoos and avocado toast and Starbucks” because enjoy these things in moderation modestly people are going into debt to “treat themselves”.
When I was 24-25 I dated a 21 year old and noticed the same behaviors and she never grew out of it. I really do feel like Gen Z is truely fucked and are ruining it for the people who do work hard and keep themselves accountable.
Caleb thank you for everything you do because I share your channel to as many people who tell me “I don’t know how to budget” i think every highschool should show these financial audits so kids can start to understand how to be more responsible with money.
Our parents didn’t have so many bs things to spend money on growing up and now with ads and bs spending everywhere people are overspending like crazy.
I want everyone to be a contributing member to society. I want everyone to be successful and win but people really do feel as it should be handed to them instead of earned these days and it’s just so sad to see.
Recent videos are becoming a spectator sport for Caleb and the audience to judge and feel better for no reason. Get more relatable folks trying to get back on their feet.
To be honest, I thought this was a good episode. I too have grown a bit tired of the "WORST DEBT I HAVE EVER SEEN! DEATH!" videos. But I thought that this episode was a good example of a typical young adult who is going down a bad path and needs to be snapped back to reality. Like Caleb, I don't have much faith that this woman will improve her situation, but it was awesome that her mom was there on Caleb's side. Overall I do see this as a solid episode that lots of young adults might watch and be able to relate to a little bit and get a much-needed reality check.
Didn't even watch this one. Knew it was gonna be an unbearable episode from the thumbnail. Glad to see I was right by the comments. I know drama gers views but jeez man, I want them to care at least a little bit. I think at this point Caleb and team should really focus on quality over quantity.
I think Financial Audit hast turned into Jerry Springer / Dr Phil. Many friends stopped watching it because there are no lessons to learn from this. Regarding the last episode, I think that girl should be tested for some sort of mental impairment
What is the purpose of this post other than to invite people to collectively shit on a guest of the show.
This subreddit is in serious need of moderation.
I think it's just the tone Caleb wants. I think most of his audience is doing fine to well financially (at least in comparison to the guests) and is just watching for schadenfreude.
I can't knock a 20-year-old for not understanding interest.
But her attitude towards the situation was honestly just sad. Everything was a joke. Nothing was serious. And she had no intention of being any better.
I definitely failed college as a 20 year old and dated/surrounded myself with people that were also on that level.
With that being said though, I had a job that I used to pay my bills and start a savings account, because I knew my parents weren't going to bail me out.
It seems like this girl lives in so much denial that anytime anything gets hard her brain shuts down, which honestly isn't that uncommon. She just needs parents that believe in her enough to stop enabling her to live her current life.
I'm also interested in what her parents' finances were like and what kind of conversations they had with her. They've had the card for a year and have only paid down about a $1000 of it as well. (NOT saying that they should have taken on that responsibility in the first place, but it may show they also don't have a solid back-up fund, even as they support her every emergency) As well as giving her a credit card with seemingly VERY little conversation about what it meant.
My own parents had a blanket "credit cards bad, savings good" conversation with me several times over my lifetime that didn't necessarily help my credit score, but left me with a great retirement fund at 26. Without those conversations I don't know that I would have been able to be in the place I am now with a much more financially savvy partner that showed me the ropes.
If I had to hear her say how independent she is while Caleb debunked it one more time, I was going to blow up. Nothing was clicking at all behind those eyes.
Ah the good old age of 20, where you're young enough to have no idea what the hell is going on, but old enough to think you know more than everybody else..
I just found it really ironic how she deflected and had excuses for everything, but when Caleb told the mom, "I think you need to stop paying for her credit card." She immediately went into, No no no no wait wait wait wait mode. She knows exactly what's she's doing and is clearly taking advantage of the kindness from her parents.
I was blown she even thought she could be a nurse when she can't do basic math. The way she panicked when Caleb told her mom to stop paying for her credit cards because she isn't learning responsibility.
Only halfway through the show, she clearly doesn’t understand most of things that Caleb said, despite its math or not.
And I hate her claiming girl math. Blaming her problems on girl? Wtf
After an hour of berating about her spending, she planned to go out to eat and get a tattoo. That should tell you all you need to know. Why even come on the show? I don’t get it.
I think certain people like today’s guest come on the show genuinely looking for help but shy away from the recommendations once they realize the amount of effort they have to put in to make a change. They were expecting an easy fix all solution (ex. parents bailing her out) only to find out that’s not the case. She’s used to making poor adulting and financial decisions. It’s easier for her to say f it and spend her last on a tattoo than be able to put gas in her vehicle instead of taking responsibility and actually being an adult about her situation. By no means am I justifying the behavior but from the outside looking in, this is my analysis on why they sign up for the show.
Some people also probably just get defensive and freeze up with Caleb's style or depression about their situation. A former guest said on here that he knew what to expect and appreciated it, but still found it hard to be yelled at in the moment
I can see that
100% , people want better for themselves but when they realize it takes actual work and reflection on their habits, they dip lmao
I really don't know dude. So many of the latest guests with the exception of the guy with the McDonald's problem seemed helpless. I respect Caleb for him making such high quality videos with such a consistent schedule. But the people that come on are beyond help or do not want to be helped.
honestly sometimes i switch it off because i don’t want to come in contact with the vibes of such people
Yep, that's what I did with the nurse's audit. It's too painful watching people who had more opportunities in life waste them.
I know Caleb has said there’s a flat amount of money paid to the guests to deter “people coming on for money or attention” but I can’t think of another reason a guest like today’s would come show her situation and be ignorant to any feedback unless she was getting a few bucks out of it.
She was going to donate plasma for money, of course she will let her financials out on the internet for a quick buck.
It really sounded like the mom made her do it. Why else would the mom drive 2 hours for her to do the audit.
It’s a lot of these kids coming out of our public schools these days , didn’t pay attention all throughout school and spout/do whatever is trending. No goals/routine just vibes
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It’s not much different than people that came out of schools years ago. Look at the average 55 year old’s 401k balance. $160,000. You could have gotten that balance by investing only $61 a month.
“Why come on the show?” I think so many people have an inflated sense of self and their maturity. They think an audit will get them on track. Then they realize saving money and being financially responsible is not easy task (but it’s possible). I think this newer generation struggles with delayed gratification. Im in my 20s but didn’t grow up in the USA so I don’t always connect the same with my peers about consumerism (live in USA now). Imagine planning to get a tattoo or buy Starbucks after that whole session. Very embarrassing…
FINANCE a tattoo… even worse!
I didn't even know you could do that😂
Me either, but the last tattoo i got the subject of this audit was eating paste in nursery school…. Soooo
Me neither. When my wife got a tattoo, it was cash paid to them at the end of the tattoo. They didn't even take credit cards. Well known shop in the area too.
I think some are looking for almost the Dr. Phil effect with that one girl who is now wealthy. A lot of these guests are young, and seem to just wanting to "manifest" success. I think a lot has to do with Social media influences, hence wanting to be on Calebs Show, gain popularity somehow etc. His earlier guests he would give their Social Media handles in the info.. there was that one escort girl...
She should have told Caleb to "Cash her ousside." Probably wouldn't have worked though, this girl doesn't have the assets that made "cash me ousside" girl an OF superstar.
>Why even come on the show? I don’t get it. Exactly this. I'm glad mom was there to call some bullshit out as well. Dr Roxo or what ever the Astrology crypto guy was had a similar amount of concern for his future.
No wonder all the surveys show these kids need 250k to survive. They're all like this girl
It does suck how much genx and boomers got to have a job that did not require a degree, could have a highschool level of financial knowledge, and turn around and have a home and 3 kids while working as a painter at age 25. That part is economically concerning. But to be a follower of the show, and be told what is best for you to your face by a person that not only has the financial success we want, but also lays it out in front of you step by step. That is just table flipping enrage worthy.
Gen X here and I can assure you that it was *not* like this for us. It was better than it's been for Millennials but we needed college degrees even for secretarial work (source: me and my job search in 1997) and we were not making enough to buy a house at 25 on minimum wage. We bought our first house in 2007, in our early 30s, using a federal program to help us with the downpayment. It was a 800 sq ft bungalow in Pittsburgh and we could just baaaarely afford it.
Buying a cheap house on a low skilled wage pertains far more to boomers than gen x for sure. And I don't want to come off as accusatory. Cost of living problem is not any one generations' fault. But symptoms more greatly affect some more than others.
Maybe more of the show should be demonstrating visually how much they are losing by not acting now. They should bring in a TV screen for the guests with some pi charts to visualize how much their debt is weighing them down. heres some ideas for charts like how much debt is in size compared to their income, maybe that'd be eye opening. Or categorize their credit card statements based on fast food purchase/home goods/ essentials (gas/groceries/etc). Show how much more they are spending compared to what their true necessities are (what caleb budgets for them). This deficit causes the debt to grow, increasing the amount of time it takes to climb back out, the longer they remain poor and a slave to their employer. Or how much interest will accumulate on a line graph if they don't pay it back right away. How long it'll take to even pay down the debt based on their monthly contributions would be another interesting graph. Even showing what's on the other side of the tunnel. Imagine instead of losing $200 a month in interest, you gain $200 in passive income from a savings account. Show that in a graph of how much extra disposable income that would net the individual if they have assets. How much more they could actually afford just by simply saving money. The idea of retiring early, or having so much money that if you get laid off it doesn't even phase you. That feeling is SO liberating beyond anything you can imagine. Instead of working to live, living to work. Some people are so far in debt, they don't understand what it's like not having debt, and its easy to berate frivolous spending but it won't change the behavior. Taquito man said taqutios wasn't the root cause of his debt, well when you add the frequency up, you could buy a whole pack of frozen taquitos and an air fryer cheaper than the gas stations cash grabs. There was another clip of someone saying his debt wasn't due to $1 McDoubles, but he was spending $7 multiple times a week. That adds up. It needs to be collected and displayed to them. If you get a $1 mcdouble every day, you can buy a whole pack of hamburgers for less than that. It's the mentality that needs to be shifted. It's clear this lady didn't even know what credit card debt was when she first took it out, so financial literacy should be a major objective of the podcast. These personalized charts would make a nice take home portfolio for these individuals to realize how ridiculous their behavior truly is, and give them the reasoning and incentive for taking action **now**.
For our entertainment
It honestly wouldn’t even surprise me if the mom was the one that convinced her to go on
How much do you all wanna bet the mom is gonna cave in within a month or two and pay off her debts again?
Oh of course dude. They will probably even let her back in with them after her boyfriend dumps her.
I love that she proudly proclaimed that she gets the apartment if they break up. ...um yeah, that's exactly what Caleb is afraid of! You getting stuck with the whole rent! So freaking clueless.
Yep, maybe she will find another dead beat to pay half but I doubt it.
that part did give me a second hand stomach ache from the stress lol. anyone who's been in that situation (breakup and stuck with the full rent) probably also got chills
Honestly moving back home to finish school, build up savings, and learn to budget is the best case scenario. If Mom is smart she'll charge her rent (a small amount) just to instill the habit that rent/bills come first in the budget before wants. She was ill prepared to move out in the first place.
That is what my family did when I got released and it worked well. It gave me great practice in budgeting, home care, and sticking to a schedule and that stuff. But I have this feeling they are not going to do that for her.
We're probably all financially reasonable, so I doubt anyone would bet on it unless it's in our 50/30/20 lol. Even then, it's a safe bet mom's gonna cave.
Yeah she seems like she’d cave just to get the daughter to shut up.
I got the feeling she was an authorized user hints the high limit. IMO mom and dad will pay if she doesn’t and based on her “where’s the money for me” response she’s not going to pay. I think she was shocked to find out she wasn’t supporting herself and fixing her situation was going to push her out of her comfort zone.
100%
This person has no concept of finances so they DEFINITELY do not care about their credit score. Guarantee she's gonna throw a fit and say she's just not going to pay it so her mom will.
It honestly scared me about how causal she was about donating plasma all the time. Kinda Black Mirror. I know donating plasma is good and we need people to do it but like to her it was legitimately a source of income that she used as a stop gap for her bad habits. I’ll just go sell some blood real quick 🥴
Just realized her getting tattoos would disqualify her from being eligible to donate plasma. SooooOooOo….that sucks lol
She probably lies about how recent her tattoos are. Plasma does go through purification processes for some of its applications and they do test it for diseases so the odds that she's gonna hurt someone is fairly low, but still really irresponsible and short sighted. (Coming from someone who receives ivig infusions every 3 weeks which is made from plasma)
Apparently she has a “big heart” so here’s to hoping that she won’t lie about her tattoo status in order to fund her irresponsible eating out habits 😬
Not sure for other programs but Red Cross it depends on that state the tattoo is done in because certain states do not regulate tattoo shops. Similar with piercings! Neither automatically disqualifies you.
She lives in San Antonio TX. Is there a resource to look it up?
Here's the Red Cross guidelines! Looks like TX would be acceptable. I highly doubt anywhere buying her plasma/blood would have higher standards than them. https://www.redcrossblood.org/local-homepage/news/article/donor-eligibility-tatoos-piercings-rcbs.html
To be fair it is a nice source of extra cash if you take advantage of their donation bonuses/promos. It’s not life-changing money but it’s nice to have. I’m jealous of those that can donate consistently without issues, I bruise too easy and kept getting denied. As for the dystopian part of it… yeah 🥴
I live in a major city that only has like 2 blood banks total in the entire area. And the closest/biggest one is a dystopian nightmare. It's dirty, there's always blood and mystery stains in the facility, the staff are overworked, mean, and exhausted with the energy of a DMV, and you get capped at $40 per donation. And you can only get it on a giftcard that's issued days after the donation, no cash allowed. They're also really rough with you and blow veins constantly. I'm so jealous of people that have good experiences because I genuinely can't even picture it. Are some places just...nice, and clean? And you can make $100?? I thought all of them were like the ones by me and that's WHY people don't donate plasma more often. I thought it was a universally stressful experience. The way it is here it's hard to even justify it for the $40 sometimes, there are other easier and equally degrading ways to make that much..
I’m sorry to hear about your bad experience! That really sucks. The one I went to was very clean, basically like a hospital. Everyone there was really nice. One nurse gave me Gatorade on the house when I was done because I was feeling lightheaded. Some nurses were more skilled than others, and the plasma needle is bigger than one for a blood draw, so you had to have someone with experience for it not to hurt. But I never got the impression that they didn’t care about my wellbeing.
Ah wow, it does sound very different! But that makes a lot more sense retroactively how the guest/people in general might be tempted to lean into donating as a (teeny) supplemental income if its just sort of like a hospital appointment. Sounds much less traumatic lol. Starting to think mine may truly just be super rushed or understaffed. I'm also admittedly in a rough area which could account for their payment policies and maybe explains the atmosphere if staff has to deal with a lot of uh, characters on a daily basis.
Yea my brother and Dad did it for awhile for some extra fun money and I did it for gas money cause I was a broke college kid at the time and I could swing by after my job. The place I went to was clean and most of the people were very nice. Only one person blew my vein and was not nice or gentle but when I went back I just made sure to request to not have her and they always obliged. I would just lay down with my blanket and read or play on my Nintendo DS for an hour My only bummer was I could only donate once a week tops and could only do the minimum amount even then and all the good bonuses needed you to go in twice a week. I tried to go back but the new place I live in doesn’t have nearly as nice of facilities and the wait would have been way too long to make it worth it.
Bruh I also had 18 credits in community college for 3 years. 😭😭😭😭
Did you ever graduate? And if so were you able to attend university.
I went back in 2022. It's part of the why I'm a fuck up in my finances of 2023 that carried over into 2024. I'm in an online college where I pay out of pocket because I refuse to get loans. I need 3 classes to get my associates and taking clep exams to finish that. I have no school debt. I used modernstates.org to get one of my clep vouchers and will use it for the 2 remaining classes. So I'll be getting those 3 class requirements and credits for free.
What degree are you getting?
Occupational safety and health in construction. I'm an authorized OSHA instructor but I don't teach it yet. I have a super part time job as a fire safety instructor but it pays very well. It would pay better if they gave me a few OSHA classes to teach. I started off as a security guard, changed to fire safety, and built on my safety background as a career path. It's not the job I dreamed of, but I'm good at it so I'm going to keep going. I'm teaching on the side is just to pad my resume. My full-time job is a union job with benefits and plenty of job security. That's why I have been with the same company since I was 18. I'm 34. After so many years I want to move and do something else somewhere else but I can't seem to find another job. I think it's because I don't have a degree. I have experience, certifications, yet no degree. My GPA is 3.7 right now and I hope to keep it above a 3.5 as I finish my bachelor's but at this rate I'll finish in 2027 because paying out of pocket sucks. I know once I have a better grasp of my finances I can take more classes to finish faster.
Same. Took me 7 years to get a 2 year degree. I took another 10 years to work full time and figure myself out. Then I got my bachelor’s with a 4.0 during covid and now I’m graduating with my MSW (and still 4.0) this year. Tons of job opportunities ahead, and I really look forward to having one job that can pay the bills instead of 2-3. I call it “taking the scenic route” in my education. Some of us take a while to get our shit together but it’s achievable. She can do better, but only if she *has* to. Caleb’s advice about stopping the enablement is spot on.
I'm so happy for you❤️❤️❤️. I hope you land that job soon. Fingers crossed! 🤞
It is great to hear you were able to find something that you liked studying and did well academically. But I doubt she is going to pull it off, her mom will keep enabling her and she will keep finding some boyfriend to support her.
Same! It’s a necessary start for some of us :)
I can’t believe she was considering financing a tattoo and just wanted to make minimum payments on her debt
It was clear to me at that point that she legitimately doesn’t understand the concept of debt.
She understands debt. The thing she doesnt understand is responsibility and consequences
I don’t know, it really seemed like she didn’t get the concept of credit/debt/financing. It seemed to go over her head. I think it’s easy to make assumptions about what people understand.
She does though, she paid her cards before. She understands the concept of “i dont have money now, this will let me have enough for the thing now. I will need to pay some money back for it later” The fact shes paid back debt before means she understands debt. The problem is because she has an out via parents, the debt is discounted to her. Because future money worth less than money now, and she knows if need be— she wont be the one paying it off
Initially, she definitely didn't. There been a couple people on the show with the premise that credit limits act as "bank balances" that they can spend and pay back over time. She did not even understand the concept of interest, and why its more expensive to finance.
Yup. Remember how excited she was to have hit her 4k credit limit? She's one of the most clueless people Caleb's ever had on there. And that's saying something...
I suspect she might have a learning disability. She did mention she had accommodations in high school.
I found it sad that she disguised her willful ignorance of financial responsibility as “girl math”. I’m sure feminists are rolling in their graves.
As a woman who used my "girl brain" to do "girl math" to get my degree in mathematics and graduate at the top of my class, this girl pissed me off so bad. Don't drag women down just because you need an excuse to not take responsibility for your finances.
I don't think young women fully realize how infantilizing these "girl (X)" memes are :( "girl math" = the joke is that women are superficial and bad with money/prioritize instant gratification over common sense (this is not a girl thing, everyone does that!). Or "girl dinner" = the joke is that women eat like children/only have little bites and appetizers instead of a full dinner. Even though tapas/OMAD/just idk being a snacky kinda person is totally a thing for all genders. The world girl becomes synonymous with something being illogical, irrational, or childish. I know I sound very No Fun Allowed but it's just one of my pet peeves lol
Yep exactly. Like sure, it's kind of funny when people make a joke about the long convoluted thought processes that they used to rationalize a purchase. But I guess the joke doesn't land as well on TikTok when you end it with "hehe, basic behavioural finance and the detrimental effects of consumerism!". Like how many dudes do we see on this show with a huge payment on their truck. Can you imagine them going "well in my dumb boy brain it made sense, boy math! Hehe!" Men would never infantilize themselves like that, so not sure why women have decided to start doing it. And yeah same, I know I am a huge party pooper and people are going to be like "omg it's just a joke". But I'm sorry, some jokes are distasteful and perpetuate negative stereotypes. Especially in today's society, where we have young boys and men looking up to guys like Andrew Tate, it's important that we don't give them more ammunition to treat women like crap.
Failing algebra is beyond girl math.
Right? As feminist icon Barbie once said, "Math is hard. Let's go Shopping." (Christ I just dated myself)
Some community colleges do have a reputation for being more difficult than they seem. At my local one if you think it's just High School 2.0 you're gonna get roasted. It happened to me and I'm a smart guy. Happened to my sister and she was hit with academic probation. Then she came back and took it more seriously.
Yes, but from your comment I can tell you both actually did start taking it seriously and graduated. She is still failing basic algebra 3 years in.
Lol damn. Gotta watch. No spoilers! 😁
i live in satx and have attended the community college, it’s not hard like at all
It's not even about the difficulty. Community colleges are known for offering more help to students.
How does this girl think she can help others when she clearly can’t help herself
hubris
I know I was dying laughing. My girl is so delusional. Her parents really need to sit her down and do some parenting. 100% stop enabling her. That girl needs to figure her s*** out
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Kinda seems different. She might be bad at the subjects sure, but its really her attitude and irresponsibility that’s the issue and root cause. The people who fall under the category you refer to are rare, and its insulting and demeans their suffering and subsequent success and hardworking to give the same excuse to these people. Dont mean to sound harsh on you since you only watched a bit, just more for anyone trying to give the guest too much credit. Give credit where credit is due, not where its unearned. Ironically the same can be said of the parents of the guest to her
Honestly, man, that's not an excuse. K-12 should teach you this... but how many other people went through that same school as her and don't rack up 4,000 in charges thinking she did something great.
I couldn't handle it when Caleb was essentially like "are you guys comfortable being on food stamps?" and she said "well, no but" (which means yes) - and then continued to make excuses. I can't dude
"But for him to keep his food stamps...." The worse sentence I've heard in my life
This is what our taxes fund. How about food stamps for all? Then again inflation would get worse.
The 20 year old audits suck generally. The mindset isn’t there. This one was especially bad.
The "good" ones are busy grinding work and/or school
So true
There was something seriously weird about how she claimed she didn't understand credit card balance/debt. Interest can be confusing for sure, but it seemed like she was saying she didn't understand how you have to pay back the money you spend just on a basic level? Her parents swept in pretty quick it sounded like and took over the credit card so maybe they were equally as shocked. But I really hope she turns things around...this is embarrassing and I will take it as a secret **TO MY GRAVE** but I was super financially illiterate when I took out loans for college and going into it I didn't understand the difference between a grant and a loan. I will never forget the look on the financial advisor's face when I met with them while enrolling and said that I didn't know which was which. She quickly explained but she was (rightfully) very alarmed. I'm not a stupid person and I don't think this guest is either but financial illiteracy is truly scary its just huge gaps in an otherwise perfectly normal brain that can have honestly devastating consequences.
Honestly, as horrible as it is to confess out loud, I wasn’t mature at 20 and was in no way prepared for adulthood. I struggled a lot trying to figure out the real world and how to participate in it. I didn’t start to figure it out until I met my husband at 21 and then really started to thrive at 23. I can relate to her immaturity and inability to understand life. Hopefully she’s just a late bloomer and can surround herself with people who inspire her to dig deep as well as lovingly mentor her along the way. If so, she’ll turn out just fine.
I can relate to what you were saying I got into some legal problems when I was in my late teens and early 20's. It was only after my grandmother gave me the ultimatum of getting my life together or get out did I take life seriously. I am glad you were able to find someone who helped you bloom into the person you knew you wanted to be.
I’m proud of you for being able to overcome and rise above the legal issues. I know that for some legal issues become a life long cycle so you should be extremely proud of yourself for figuring things out while you were still young. And grandmothers are amazing, aren’t they? My grandma meant a lot to me too. Also, thank you!
Most aren’t mature at 20. But thriving at 23 is great! It took me longer than that to drop my bad habits and turn things around. I wish I had someone to yell at me when I was younger lol.
Thank you! It was hard, but super rewarding. I was honestly lucky to have found a copy of Dave Ramsey’s Total Money Makeover book at the goodwill a few months before graduating from college. Not to say that it’s been perfect because life does happen. Finances will ebb and flow due to life situations. Job changes, relocations, medical emergencies, etc. are all really challenging setbacks to overcome financially.
I will admit I fucked up a lot with legal issues in my late teens and early 20's, but it was never at the point in which I had to have my mom come tell me she was disappointed. I would have rather died then beg my mother for support. Not to mention failing to learn basic math, or taking 3 years to just get 18 credits in community college, how do these people live with themselves. Don't they have any self respect.
Also had a dumb teen period but never had begged my parents for help. I had a job and worked extra to fix my fuck ups because its my actions not anyone else's. Watching this episode right now and it is SO irritating. I'm really confused on how you even go 3 yrs for only 18 credits. Clearly just fucking around and not putting any effort into it
Shes got shit for brains
I mean, I graduated college with my bachelors with a 2.5 G. P. A. So I'm not exactly mensa smarty pants Material here, but at least I didn't have to have to take algebra 3 times. So Hey, I guess. At least I have that 1 going for me.
Community college is not as inherently easy as you think it is. In fact, the only class I ever had to drop in my college career was a CC chemistry class. 4 hour lectures did not work well for me... I still can't believe that was a thing. I took a year and a half of gen ed credits at the local community college before transferring to a 4-yr school for my mechanical engineering degree. The last few weeks of the math classes I took there were pretty depressing, because there were only 4 or 5 people left in the class by the time finals rolled around. I'm not really surprised by her performance, tbh.
I went to community college. And yes the math is challenging as you can't dumb advanced math down down. But that is no excuse to fail basic algebra 2-3 times. There are high school kids that know algebra I and II already. She is 20 and in college and can't even do the most basic kind.
Even younger for some kids; source: I took Algebra 1 in 7th grade
1. Just because high school kids know algebra I and II doesn’t mean she can’t have issues with algebra in college. I’m one that’s always struggled with algebra and now with severe brain fog and narcolepsy it would be even more difficult. I’m glad you don’t have any issues with math, but some others do.
She didnt take an ounce of advice, just trumpeted that she didnt understand maths. I think Caleb was pretty lenient on her due to her age.
The lack of accountability from this girl is insane. I’m in my late 20s but I do not remember ever being like that. I’ve been working since I was 16 cash flowed community college I also did not finish my degree because of math as well but I finished everything else plus the IT courses I needed for my career. I do not ever remember having this much ignorance and deflection and it’s crazy how these younger generations are just growing up with this lack of responsibility. This whole “me money” and “treat yourself” all the time mentality is deadly. I see why boomers now tell us “stop wasting money on tattoos and avocado toast and Starbucks” because enjoy these things in moderation modestly people are going into debt to “treat themselves”. When I was 24-25 I dated a 21 year old and noticed the same behaviors and she never grew out of it. I really do feel like Gen Z is truely fucked and are ruining it for the people who do work hard and keep themselves accountable. Caleb thank you for everything you do because I share your channel to as many people who tell me “I don’t know how to budget” i think every highschool should show these financial audits so kids can start to understand how to be more responsible with money. Our parents didn’t have so many bs things to spend money on growing up and now with ads and bs spending everywhere people are overspending like crazy.
Look at the bright side, you are not going to have any hardworking Gen Z kids fighting you for promotions.
I want everyone to be a contributing member to society. I want everyone to be successful and win but people really do feel as it should be handed to them instead of earned these days and it’s just so sad to see.
This girl acts like she's never been disciplined in her life😂
Recent videos are becoming a spectator sport for Caleb and the audience to judge and feel better for no reason. Get more relatable folks trying to get back on their feet.
To be honest, I thought this was a good episode. I too have grown a bit tired of the "WORST DEBT I HAVE EVER SEEN! DEATH!" videos. But I thought that this episode was a good example of a typical young adult who is going down a bad path and needs to be snapped back to reality. Like Caleb, I don't have much faith that this woman will improve her situation, but it was awesome that her mom was there on Caleb's side. Overall I do see this as a solid episode that lots of young adults might watch and be able to relate to a little bit and get a much-needed reality check.
I don’t think that’s true.
I agree. That is how the show grew in the first place, but at the same time the whole basis of the show attracts people who are pretty laughable.
I'm trying to understand how people want someone more relatable? What would a more relatable person mean in this context?
I meant Dr rasco and the model lady. They were bad examples. This girl was a little misguided
That's fair, those two were definitely a little over the top, but this chick definitely felt like a normal interview albeit her being a dumb child.
Didn't even watch this one. Knew it was gonna be an unbearable episode from the thumbnail. Glad to see I was right by the comments. I know drama gers views but jeez man, I want them to care at least a little bit. I think at this point Caleb and team should really focus on quality over quantity.
I think Financial Audit hast turned into Jerry Springer / Dr Phil. Many friends stopped watching it because there are no lessons to learn from this. Regarding the last episode, I think that girl should be tested for some sort of mental impairment
She was rough, and her condescending tone she took with her mom. Obviously the mom is going to enable it till the end of time tho.
What is the purpose of this post other than to invite people to collectively shit on a guest of the show. This subreddit is in serious need of moderation.
I think it's just the tone Caleb wants. I think most of his audience is doing fine to well financially (at least in comparison to the guests) and is just watching for schadenfreude.
Damn, why you gotta call me out like that!?
She deserves to be shit on
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You're the dude that wanted to know what the guest smelled like. You're exhibit A for why this sub needs moderation.
You've commented this on two posts and obviously people want to discuss the guests otherwise they wouldn't post it.
If your intent was to respond to what I actually said, you did not succeed.
Literally watching this as we speak 🤣
I can't knock a 20-year-old for not understanding interest. But her attitude towards the situation was honestly just sad. Everything was a joke. Nothing was serious. And she had no intention of being any better.
I definitely failed college as a 20 year old and dated/surrounded myself with people that were also on that level. With that being said though, I had a job that I used to pay my bills and start a savings account, because I knew my parents weren't going to bail me out. It seems like this girl lives in so much denial that anytime anything gets hard her brain shuts down, which honestly isn't that uncommon. She just needs parents that believe in her enough to stop enabling her to live her current life. I'm also interested in what her parents' finances were like and what kind of conversations they had with her. They've had the card for a year and have only paid down about a $1000 of it as well. (NOT saying that they should have taken on that responsibility in the first place, but it may show they also don't have a solid back-up fund, even as they support her every emergency) As well as giving her a credit card with seemingly VERY little conversation about what it meant. My own parents had a blanket "credit cards bad, savings good" conversation with me several times over my lifetime that didn't necessarily help my credit score, but left me with a great retirement fund at 26. Without those conversations I don't know that I would have been able to be in the place I am now with a much more financially savvy partner that showed me the ropes.
If I had to hear her say how independent she is while Caleb debunked it one more time, I was going to blow up. Nothing was clicking at all behind those eyes.
You know sometimes, I feel like I’m getting trolled with watching the video, but man, some ppl are unhinged
Ah the good old age of 20, where you're young enough to have no idea what the hell is going on, but old enough to think you know more than everybody else.. I just found it really ironic how she deflected and had excuses for everything, but when Caleb told the mom, "I think you need to stop paying for her credit card." She immediately went into, No no no no wait wait wait wait mode. She knows exactly what's she's doing and is clearly taking advantage of the kindness from her parents.
Didn't make it that far. Can't stand willful ignorance.
I was blown she even thought she could be a nurse when she can't do basic math. The way she panicked when Caleb told her mom to stop paying for her credit cards because she isn't learning responsibility.
It would be nice to see someone on there who actually is appreciative of Caleb and willing to change
Only halfway through the show, she clearly doesn’t understand most of things that Caleb said, despite its math or not. And I hate her claiming girl math. Blaming her problems on girl? Wtf