Not Enough To Survive, But Won't Get A Job | Financial Audit
ฝัง
- เผยแพร่เมื่อ 22 ส.ค. 2024
- ▶The best budgeting program online, at the most affordable price: go.calebhammer... any questions? Email support@calebhammer.com
Try Rocket Money for free: RocketMoney.co... #rocketmoney #personalfinance
▶My team and I will personally review your budget and put you on the right financial path going forward: go.calebhammer...
_______________________
▶Resources I use/would use (with discounts/sign-up bonuses):
1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: creator.sofi.c... *affiliate link
2) Start investing: Transfer to moomoo and receive up to $5,000 in Cash Rewards using my link Terms & Conditions Apply: j.us.moomoo.co...
-For the sign up bonus, Click this link to get up to 15 free stocks from moomoo U.S when you make a qualified deposit. Terms & Conditions Apply: j.moomoo.com/0...
3) Coursecareers: Get qualified for a better job and increase your income: coursecareers....
4) Mint Mobile: Cellphone bills are too expensive, use my link to find a plan starting as low as $15/month in just 15 minutes with my partner MintMobile: mintmobile.com...
5) Online security: Protect your online privacy and security NOW and for free by following my link Aura: aura.com/hammer
_______________________
▶Fun things:
1) Exclusive episodes, private Discord, BTS, and a special thank you: / calebhammer
2) Rules For Not Being A (bad word): www.calebhamme...
3) Merch: The most fun website: shop.calebhamm...
_______________________
▶My socials: linktr.ee/cale...
▶️Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: calebhammer.com...
_______________________
▶Sponsorship and business inquiries: bunsiness@calebhammer.com
_______________________
These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early.
_______________________
▶*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. Some of the offers mentioned may no longer be available. This is not investment advice.
▶Sponsorship and business inquiries: business@calebhammer.com
We have a special 800,000 subscriber video we can’t wait to upload. Any help getting us to that number by sharing this video would be greatly appreciated! Love you all ❤
So happy to get my Caleb fix today thank you for all you do man!!❤❤❤ love to be on your team one day
We love you Caleb!!!!😂
I love these videos but I can’t watch them all the way through when you keep bringing in these people who can’t tell the truth. Seeing her blame her parents for things but turns out they’re paying her bills? You’ve gotten really lax on calling out the bullshit lately and I’m lowkey disappointed
Caleb a video for 17-18yr olds to watch would be amazing. Something that tells them how to start on the right foot and not die on the Walmart floor from eating taquitos every day
So dang close!
I screamed when she said she has a bachelors in nursing and bio and yet working at starbucks? She would make more just being front desk assistance in a hospital!
And she’d get more consistent hours! And insurance plans! Oh my word. At least if you’re working in food service try to aim for a job as a server.
ehhhh i work in healthcare admin and i wouldn’t say it pays well, starbucks has better benefits than my job, personally.
@@nanananananananana00 was just about to say this😢
Yea, what the hell?? Maybe she’s scared to compete in the industry? Did she even try applying in the healthcare industry?? Rise up and go after your career! It’s hard work, but feeling do it or your degree is all for nothing.
@@nanananananananana00 My mom works in health admin and she gets paid just a few bucks of what a starbucks employee makes. Which is really sad because she went to school and speaks 2 languages.
She told me the people above her don't get paid that much more either. crazy.
She has the power to combine her Cosmo license and RN and work in the beauty industry in a few roles cosmetic injector, plastic surgery assurance, pharmaceutical sales. She has the potential to bring in a fantastic 6 figure income.
Yes! I hold a skin care license and most positions I'm looking at really want you to hold at least two licenses. Nursing being one that's highly sought after.
I was thinking that too. I’m an RN and have been looking into it.
Cosmetic botox is raking in numbers right now as well woooooo wee, she could actually make so much money between those two things.
No, SHE wouldn't. Here's why- she makes WAY too many excuses. She'll never be successful. Victim mentality will set you up for failure for sure! But yes, great combo & great niche to get into! 🫶
omg that;s a really good idea, I hadn't even thought of this, she can totally do it and she's really pretty too!
I'm a nurse educator, and I'm guessing she might not have passed her NCLEX exam after nursing school. She could have the BSN degree, but if she didn't pass, she couldn't work as an RN. Maybe she worked in pediatric hospice as an aide. Regardless, that's the most emotionally difficult nursing field to work in and trauma from that would be understandable. I've been a nurse for 13 years and have chosen specifically NOT to work with kids because I know it would be too much emotionally for me. However, to throw away all of that time and money when you're in such a bad financial situation is illogical.
Working as a barista at Starbucks is a likely higher risk profile than a WFH or even a clinic nursing position. Clinic RNs are on the computer and phone all day. While they do interact with the public, they're not on their feet with a brand new customer in front of them every 2-3 minutes.
There are so many options within nursing - the degree is so valuable. My thoughts:
1. Use the therapy to process whatever trauma is creating a barrier from using the degree that likely cost her over $30K
2. Buckle down and study to pass the NCLEX - so many cost-effective programs out there
3. Work in a non-public-facing RN role and build wealth
With her cosmetology experience, she would be a good candidate for an aesthetic nurse at a spa - and likely enjoy it. Other options would include telehealth, insurance companies, occupational health, any clinic, school nursing, utilization review, and more. When you're smart with your money and time, nursing is so valuable. I know nurses who have substantially more financial freedom than many physicians - and work significantly fewer hours with less stress. It's all in how you manage it and advocate for yourself.
I've got a lot of free resources for nursing students and new nurses that you can check out here: www.freshrn.com + my normal TH-cam - th-cam.com/users/katikleber (didn't expect this comment to blow up like it did on my personal!)
I hope she reads this comment - there are lots of bank options that could include her degrees and her clearly creative side.
And this is how the comments section ACTUALLY HELPS SOMEONE!
That last part about Some nurses being more financially free compared to some physicians Is absolutely true.
@@gabrielg3141 I've seen it so much. The RN who paid off loans in a few years, living in a modest home, no car debt, etc. is set to retire early with very little financial stress and makes it to all of their kids sports games and activities, .. while the physician with 200K+ in loans, a huge home/mortgage, and $1500 monthly car payment going on extravagant vacations is living paycheck and trying to pick up hours and never sees their family.
I agree she has so many options. I’ve been a nurse over 10 years, my current job is in utilization and it’s the easiest most chill job I’ve ever had and I have 0 patient contact.
Not her playing dumb on her Lezhin (manga site) and Nine Tails (Japanese goods) purchases after owning up to going into massive CC debt for K-POP like ma’am we see you for what you are 😂
I wonder what group it was💀
She definitely shops for a lot of anime and anime related bs. That’s her problem 😂
Incredible
@@EmphasisOnPBJI’m glad she didn’t say. She’d make the whole fandom look bad.
I dont think she has to play dumb. I comes naturaly
I would love to see a debt breakdown in a visual like we do the budget. Sometimes its hard to see the situation but a big pie showing total would be awesome.
Yes!!! Bring in the pie charts please I am a visual learner I need itttt
He's done it a couple times lately. Personally I'd love to see it brought up in terms of their spending over the past month. Make it a game of, "how many full pies of spending does this person have?" So often he points out that someone is spending more than they make, but the visual of a whole and then another quarter (or however much over their income) pie chart would be great!
Please come back! Before your student loans and car. Please come back.
In the past videos he use to show the debts $ as hes going through the numbers
The pie chart with ‘why would you you possibly spend 50% of your income on Starbucks and Yu Gi Oh every month’ is the best
Am I the only one who noticed that with the nursing AND cosmetology she'd have the perfect background to be a medical esthetician and get trained for injectables or esthetic procedures that happen in more medical clinics? Worth looking into!
Great idea, hope she reads it
Or maybe a mortician with a couple more certifications
She’d have to actually be responsible and put in effort to do that so it won’t happen
This is also one of the higher paying nursing careers. I think she’s leaving out details regarding the nursing background. Repeatedly failed NCLEX, worked as an aide and didn’t like it, or got fired for a serious error, etc
lol she will never do anything with her lofe
If I had a dollar for every “mhm” she said, I’d be able to have fully funded 6 month emergency fund. 😂
I thought I was the only one who noticed that. Drove me crazy. She was just generally annoying
yeah, nooo...
no, yeaaah...
Until I read this comment, I hadn't realized that... now I'm even counting them.
Now that’s all I can hear lol thanks
I was going to comment that, but now I will just like and reply.
I'm addicted to these videos. I feel like even if you're not in massive amounts of debt, everyone can be benefit from financial mindfulness.
Yessss me too!!!!! It really makes me think how i spend and save money….i hear Caleb in my head cussing me out 🤬 LOL
They definitely help me, and I like to think I’m pretty decent with money. Covid put me in a pretty horrible situation and I’ve managed to claw my way out for the most part but some of these people make me wonder why I was even stressed about my financial situation 😂
💯% ⬆️
i’m watchin these before i go to trade school and move out
As a nurse, there are SO many things that she can do as an RN that is not direct patient care. I can understand the trauma of losing patients, but there are so many things that she can do within the nursing field that makes good money and is not direct patient care. Just to list a few: nursing informatics, insurance, research, on-call nurse for clinics/home health. So many options that would make her more money than cosmetology right now.
it's always cosmetology or realtor for these ppl
Completely agree, there are so many options that are less mentally straining then peds hospice. I wish she would give it a chance.
@@reyna402I highly doubt she passed her boards and she uses her clinical rotation in pediatric hospice as a shield to keep people from asking questions. People hear "dying children" and suddenly cant imagine doing the work because it is traumatic and takes a special kind of person to do it so they let her slide without digging deeper.
I work critical care and my sister does research. We both have BSNs and we do polar opposite jobs. Nursing is diverse as hell.
Exactly… I have a Fine Arts degree but it’s a degree and got hired on at an insurance company for 10+ years now working from home. Tons of choices out there paying very well.
Seems like why would she work so hard studying the nursing program to then not use the degree from all that hard work.
This woman’s defense mechanism is “deer in the headlights”.
Her defense is weaponized incompetence. She acts dumb or naive to try and get her way. “I’m dumb and don’t know anything” but her boyfriends tried teaching her about it and she refuses to talk about it bc “it’ll cause a fight”
Eh, it's not a defense that will delay her from improvement any longer after this ep I don't think
@@IAmebAdger what was the excuse when her boyfriend was trying to tell her this shit?
It also seems she uses her mom as an excuse and blames her so she'll never take accountability. Yeah, your mom may have convinced you to open a credit card but it doesn't mean you have to continue using it for stuff you can't afford.
@@Jake38nineI don't know that I believe the parasitic mother thing unless I missed stuff. Daughter almost immediately had to walk back that her mom had her paying bills. From there it sounds more like the mom was barely scraping by and told daughter that if daughter wanted to do expensive fun stuff daughter would have to figure out how to pay for it herself. Not mom's fault that daughter decided to do so by going into massive debt. Towards the end daughter even admits that mom (well, mom's company) is covering her phone bill despite having been out of the house for years now.
Daughter also said at one point she was the bratty only child who always got what she wanted, and from how she talks about her parents dad was usually the one to give in. So I have to wonder how much of "parasite mom" was actually the mom being a parasite and how much was a parent not giving in every time to an entitled kid with no concept or care of what stuff costs.
cosmetology can make great money--but only if you're smart about it. My youngest sister went to work as a receptionist at the nicest salon in town as soon as she turned sixteen. She also did a work program in high school so that by the time she graduated she was half way through her hours. She finished up school 9 months after that and got licensed and immediately moved up to be a stylist at her salon. She has a great business mind, she's great with social media promotion, and now that she's 23 she's making fantastic money. Her salon even hired her to do all of their social media marketing on top of taking normal clients, and she negotiated a good side pay for that gig. She makes way more money than our other sister who did go to college and has a masters degree.
That's really amazing--cool to see a young person be so savvy about their future.
It’s too bad this girl is dumb, and won’t ever be smart about it!
she sounds like my ex.....I was making 180k when we met (0 debts, car paid in full, no student loans) and she was 79k in student loans plus 3k in credit card debt and worked at Starbucks too. she started confronting me that apart from me covering the rent for both of us I was also supposed to pay for her loans and credit cards because working at customer service jobs was draining and she was suffering from work related emotional issues. And it was my job as her supportive BF to lessen that burden and finance her credit card spending. Needless to say she is my ex for a reason!
Good on you bro
Nah, if she's in debt and not making effort to fix her own made problems, run. No one owes anyone their hard earned money to the essential beggar. Glad you didn't marry that fool.
Her story sure changed fast from "water bills" to "trips to Korea." I'd be interested in watching this with Mom and seeing her reaction to that claim. Not that it never happens, but that was an interesting pivot.
Some of it feels like her blaming mom.
Yeah like it seems like her mom definitely had an influence but I think it's more of her learning those bad habits from her mom, rather than her mom pushing her to get into credit card debt. That's definitely some of it but not all. This behavior is continuing even now that she isn't living at home.
Imagine winning free tickets.... Then maxing out a cc to go to the concert.
She got “free” tickets to a concert in Asia and almost certainly spent more to go to the concert then the tickets were worth by a multitude of 6 at least
@@ultraboombeanpeople learn and act like their parents intentionally and unintentionally. Money habits are passed on. Watch any of ramits podcast on how to be rich channel and you will see 40-50 year olds with their parents money habits
I had laser hair removal done at a national chain spa and the procedures were done by nurses. The nurses that worked on me were young-ish and had small children and this was a way to have steady (shorter) set hours and it was less mentally taxing -- this would also work with this woman's cosmetology degree.
That's a really good point tbh, I never would have thought of that
Literally my plan, but I’m starting with nursing first. 😂
Yep, great idea! I just got a job at said chain for front desk and will probably go for my lpn next year and do this. 4 days a week, rotating weekends and she could do hair on the side.
Such a good point!
To run a laser you need to be certified and take classes in my state.
Cosmetology is usually makeup and hair. Sometimes nails.
These audits really lift my spirits and make me feel GREAT about my finances. It would be interesting to have someone rich do an audit though, but they are probably afraid the IRS will see it.
Trump 😂
There’s “I will teach you to be rich” here on TH-cam. He talks to couples & a lot of them make good money.
The concern with ppl who are doing better off is ppl know their actual finances. Then ppl can ask them for money. It puts them at risk.
what about some doing relatively better. What's the point of having a scale from 1-10 in everyone who comes on is
Maybe not ppl who are rich but just average people with average income and average debt and see what he suggests
My mom has had Lupus since she was 20 and was a nurse for 35 years. Stop the cap
She's willing to do other jobs... If she doesn't want to work in the medical field that's her choice. I don't get why people are so pressed over this.
@@tajasnotherebecause she’s literally asking for help with her debt?!😂 she could go fix it all. make a little bit more and STILL have enough to “have fun” but she is being lazy about it. just sounds like she enjoys working little hours
@@erika-dv5cy Medical field is stressful, and stress makes your lupus worse. You're tired, you're sick, and everyone reacts differently. She can still use her degree to become a cosmetic nurse perhaps.
Honestly, this show has become a ritual for dinner. Kind of hard to justify ordering out when I hear Caleb shrieking at someone’s spending 😂 I just cook food at home & eat while I listen & watch.
this is my daily ritual, except it's breakfast 😅
do you have a camera in my house 😂 this is exactly what i do
I have no option but to order out. But watching this show makes me wish I had an option. lol
@@Mehwhatevrhow do you have no option
@@tricialaney2408food deserts
My husband and I just yell taquitos at each other every time we leave the house and even think about spending money 😅 thanks Caleb 😂
This is a cute and funny habit 😂😂😂❤
Goals lol
That’s amazing😂❤
I feel like this is the most actionable plan for "how not to divorce over finances" I've yet heard
we yell "$850 a month (for a Dodge charger)" in our house
This specific episode gives me "talking to my millennial boss" vibes. I'm 26 and my boss is 28 and we talk very similarly to each other. Her pointing out that you had a calculator now and you laughing is so wholesome because you seemed caught off guard then you remembered she actually watches your content.
Definitly needed this channel to wake me up to my finances. Dont live beyond my means but there’s so much I can improve on, will binge for weeks now
She could be a cosmetic nurse! It would allow her to do what she likes and make a lot more money than she’s making now. I’m shocked she hasn’t considered that
To be a cosmetic nurse you need a degree in nursing and license on top of her cosmetic license
@@AgentThea007it sounds like she was a nurse with a degree?
@@AgentThea007she has a bachelors in nursing
Yep & cosmetic nurses make BANKKKK & have wonderful schedules. What a waste of an education.
@@Candaceee246 well if she does then yes she should be one. I’m a cosmetic nurse right now and it’s the best job ever. I make 6 figures and I’m 25 just like her…. She needs to apply herself and get her shit together. I had to start in the hospital first though.
In college a friend looked at his savings account, he said "o I have 12 dollars in savings, I can go get mcdonalds." I died inside.
😂
That's actually funny
I’ve been there before lmao.
People learn eventually, either the hard way or the smart way
Ive been there ngl 😂
That’s the way I thought in college, too. But I grew up in my 20s and doing great now. There’s hope for all of us.
I love how open he is about therapy, when he budgets it always seems like he budgets for groceries, as if it is totally normal 😊
Ya most financial guys would tell you that is unnecessary expense
All this therapy and she's still a broke loser. Clearly it's not working
Because it is and should be just as normal if not more normal than medical health. Everyone has a brain and your brain runs everything, makes no sense to not prioritize it
It is totally normal
That’s because everyone on this show is a broken lunatic for the most part who aren’t gonna be able to get out of debt without fixing their underlying behavior issues 🤣
When she said my grandma has money that pissed me off🤦
Wow Caleb, I noticed in this episode you were much more calm when speaking to her to try and not overwhelm her and have her shut down. You really nailed this conversation and applied the feedback you received from past guests. Bravo good sir!
Because her boyfriend was sitting behind him.
I want him to be meaner to these dummies
@@johnparker4484that would only satisfy you. Doesn’t work much in progressing these people
@@johnparker4484 Why? They live with their life choices, not you.
I think because she wasn't denying her spending or being defensive. he's loud at the people that are super defensive/bounce off whatever he says
FYI, starting your own salon business, even by renting a booth is incredibly expensive. You have rental fees, product, marketing, etc… and that’s before a dollar even hits your account. Your best bet is to find a reputable salon that will take you on W2, provide training, build your clientele, and go from there.
80% of hair stylist leave the industry in the first 5 years. Without the hustle mindset, you’re going to struggle.
Anytime these guests talk about starting a business, I always yell at the screen "with what money?"
This is what a family friend did. Jumped from salon to salon for a few years building clients, gaining experience ect until she was able to buy her own salon with a coworker. It's a ton of work though and very expensive, you have to be truly dedicated to it
The most important thing is building experience so when you graduate and you're not learning from anyone anywhere building experience it's not a good idea to jump in.
This! Could be wrong but at least in my state doing hair at their house or your house is a big no no and you can lose your license. Doesn't seem worth it unless you have trusted clients maybe which I'm sure you can't build without working at a salon for awhile.
@@rebeccazeman9309 definitely not universal I live in Canada and it's super common you see signs on front lawns, my parents next door neighbor has been cutting hair in her house since I was a kid
The fact that she isn't using her nursing degree and instead is trying to go and become a cosmetologist is shocking to me. I can understand trauma, but she's acting like she can't go and use her degree for some job that would not involve her being in a hospital. The mindset behind this is just bizarre.
I feel like we're not getting the full story here. She lies quite a bit through the interview and to pull some kinda shady manipulation tactics to side step accusations.
Also she said she couldn’t remember when she graduated (she thought 2 months ago) and she just got her license (nursing ?) in the mail. So she immediately decided within 2 months of graduating that she wasn’t going to use her degree 🤦🏻♀️
@@laurab5849 Yup. There are some major red flags when it comes to her story. If what she said is true. She tossed her degree in 2 months. If it isn't, then the situation has to be much worse.
She tries to manipulate her way out of answering questions throughout the entire audit. There's just a very "I am an unstable person" energy about herself. My guess is that she really just doesn't think very far ahead about her decisions and does not take criticism well.
@@laurab5849my guess is she made an irreparable, termination-worthy mistake very early on. That would be very hard to admit on camera to the internet though.
She has a degree not a license tho . Having a degree in nursing doesn’t mean you can just start practicing. You need to pass the NCLEX first which , obviously, she didn’t take it.
@@laurab5849As an esthetician, you don't start your career until
you get your license after passing the state board exam (after graduating school), so she was probably just waiting to take the test/see her score. Don't make baseless assumptions when you don't know what you're talking about maybe.
This show always makes me feel so good about myself!
Such great therapy
I started a budget and created a spreadsheet laying out a 6 month plan to get rid of all my stupid debt. I used to be afraid to check my bank account because I never wanted to know how much was in my account. Now I’m buckled down and treating this debt like a final boss guarding my path towards financial freedom!
Thank you Caleb! I wouldn’t have known how to dig into all my statements and start cutting stupid subscriptions and bad eating out habits. Just watching this show lit the fire under me I needed.
Get it, bro!
Love the final boss analogy. You've got this!!
Love it. I definitely started getting more serious about my finances once I started to look at it like a game. Life is a game, you have to play it, might as well win it.
I love Quicken.
It’s funny how she acts shocked at every question Caleb asks. 😂
Yeah, especially since she claims she has watched the show before.
@@Jake38nine held accountable for what? Its not like she's screwing the people in her life over, she's mostly just making life harder for herself
She seems kind of slow tbh
@@Jake38nine Wtf, assuming things about the boyfriend and her general character from a single episode. Let's just chill out for a while instead.
I figured this wasn’t going to go well when she didn’t know what payroll meant 😂 but hopefully she learns the necessary financial skills 👍
New subscriber…I tell you now you are getting me together in these videos… my finances are horrible you would rip me to shreds. I thank you for the things you are doing
I love all these educational comments about what other nursing opportunities there are! I had no idea! It makes me wish someone had told be this sooner, but I’m heading down a different career path now
Lol me too. I had no idea just how many different doors nursing degrees opened. 😅
When she said she has a bachelors in biology and nursing and he said “why don’t we go make money” 😂…….sometimes the only thing in someone’s way is themselves……… and well she seems to be in her own way of success.
And you are a fool to believe it.
My brother has a PhD in civil engineering and refuses to apply for jobs, it’s crazy
Jesus, but why?! @@THB_DX
She’s also done pediatric hospice. Seems fishy.
@@TuscanBrickfully understand but you gotta start somewhwre
She can’t be a nurse because she has lupus and doesn’t want to risk her health, but she wants to be a cosmetologist and she works at Starbucks and deals with all walks of life coming in and out all day long. Makes zero sense.
Yeah I thought about this as well....
Agreed. And at her age?? With no debt from her bachelors?
Please come back! Before your student loans and car. Please come back.
Self limiting beliefs
starbucks and hair salons aren’t completely filled with people who are ill. common sense 😐
It's funny how this girl instantly starts putting responsibility on her mom for her own choices in the beginning... and then proceeds to change her story when its questioned lol
Then after all of the financial audit discussion she automatically went back to blaming her childhood for her adult actions. Victim mindsets will literally ruin your life if you ALLOW it. This mindset is actually pathetic. You HAVE to take responsibility for your own actions. Nobody is going to take responsibility for your actions besides yourself.
This is my biggest issue with therapy. Don’t get me wrong, I’m sure it can be useful, I’m sure there are people that need it and I welcome them to get it.
That being said, it seems to me a large number of therapists are more than willing to be enablers of victim mentalities. It’s either that, or a large number of patients just twist the therapist’s words when discussing it with others after the fact.
@@billbob4856 The enabling issue is something I've delt with personally. I've went into therapy completely aware of my own issues and self deprecating behaviors, willing and actively changing them, and the therapist had no ideas on how to support me. I ended up wasting so much money on it.
@@billbob4856this. I had a coworker who had a bad victim mentality went to therapy on an EAP and continued, but they enabled her sickness tenfold
Radical personal responsibility is the only way to be a functioning adult
couldn't have said it better myself@@triswilsful
Pediatric hospice is rough if you’re a student and have no experience in the medical field 😅 she shoulda started off with floor nursing or something a little more laid back 😅
I’m sorry, she has a nursing degree(assuming she does actually have a bsn/rn) and a cosmo license but all she wants to do is work at Starbucks. It’s her own damn fault she doesn’t make better money
She can do other things in medicine. She’s taking the scary residency story too far and it’s ruining her life
I dont think she does have a real nursing degree. I think she has a bachelors in biology with a “focus” in nursing to prepare for actual nursing school. She said she quit during her residency.
@@kattttt9585I feel like you are probably right.
She may have the degree but not the license. You have to pass your state boards to be able to work in the field. You can become a RN in a two year program but both RN and BSN have to pass the state boards to work. With a BSN it's a faster track to management. I have brother with a RN and a sister with a BSN/MS both were in management. If she has that degree she wasting a good skill set. She could be working for insurance companies and never see a patient. Something wrong with this story.
No way she’s even got the equivalent of an RN or even the 2 year “practical Nurseing” diploma. She was a care aid at most. She’s a massive liar. Just look at how she answers when being asked about “helping to pay for utility bills”. Like bro I get it, it’s embarrassing since you’re grilled and it’s gonna be watched by a lot of ppl but to throw the only person who took care of your bum asa until 21 and throwing her under the bus? The lady sucks
she can work in a group home setting or even in DCS and make way more money. Or in ddd homes that need nurses cause those places pay hella money here in az.
Just got hired for a second job. It’s my debt job.
The money I earn will 100% go to my car loan and personal debt to pay them off within a year. Then I’ll be debt free :)
Been watching 2 months and I’ve made some major changes
Good!!!
I’ll be out of debt except 14k in student loans by may. It’s so nice to have a plan and see a light at the end of the tunnel
Congrats!! You got this!! 🎉
Ive literally done this exact thing. Caleb out here singlehandedly helping companies with recruitment with all the people getting 2nd jobs
🎉🎉
Excellent!!!
I UNDERSTAND PPL HAVING MENTAL HEALTH PROBLEMS AND EVERYONE SHOULD GET HELP IF NEEDED, BUT THERES A LOT OF PPL THAT COME ON THIS SHOW USING THE MENTAL HEALTH EXCUSE TO NOT BETTER THEIR LIVES.
Used to be in a similar situation, some card debt and some student loans and not enough income. I finally decided to take a job I didn't want (night shift manufacturing car parts) that paid decently, and less than 5 years later all but the student loans are paid off, I have 3 months emergency fund, and am working a different job I actually enjoy. Sometimes it just takes a little while at a higher paying job to turn everything around as long as you're being responsible with spending.
Im guessing she didnt pass her nursing boards. My sister is an RN with a BSN and works from home for a pharma company making $35/hr. I think shes hiding behind the pediatric hospice experience so people dont ask questions. Wish Caleb had pushed harder
The words 'peadeatric hospice' tend to be a conversation stopper. But i know what you mean.
This. There are tiers on medical jobs, and some people have a tendency to not be forthcoming on what level they are at (I.e. CNA, LVN, BSN, NP, PA, MD etc). “I work in medical industry” “I do twice the work and get paid 1/2 as much” “I choose it wasn’t for me because XYZ..” ok? All that’s fine , but have some honesty about your situation.
@@JacobAndJamal^^THISSSS. I’m so tired of MAs and LPNs lying about their credentials. It’s so misleading for the public.
Exactly. Why not be a hospital tech? She could make bank
And even then, I don't think ANYONE should feel bad for someone that dropped out of nursing school after they found out they'd actually have to do their JOB and treat sick and dying patients. She really should have known that reality before thinking of applying. Hell, I bet there are even some morgues out there that would've taken her up on a temporary internship to shadow the mortician. In that way, you can figure out pretty quickly whether or not dead and dying people are for you. Of course that requires more work than just clicking the apply button.
So many people on this show are too averse to having more than one job. She can definitely do hair in the evening after doing Starbucks in the morning. She desperately needs the extra income, and it will help her build clientele
I don't think even that will be enough. They agreed on an extra 900 a month, she'll need some kind of higher paying position or a third job.
@@IAmebAdgerI make anywhere from 500-900 a day doing hair she could definitely make it
@@AleeyaDanielle Hmm, that's promising. She just has to hit that maximum consistently, on average, so she'll need to go a bit beyond.
A friend of mine does hair in the evening AND Door Dash AND Amazon Flex. I;m So proud of her hustle
Or she could just make more money with one job as a nurse with her degree
Autoimmune diseases like lupus are tricky because they make you physically exhausted and working any job can be tough
I appreciate the serenity of this conversation. Finally someone who seems a little more stable in the mind which allowed me to focus on the finances. Love the budgeting breakdown by caleb. My sister has helped me with my numbers and categories in the past. Having someone help you write out expenses and organize the bigger picture really helps to not get overwhelmed. None the less I feel like I learn something new every episode.
Pediatric hospice is literally the most emotionally tolling position she could have picked in nursing. She has the degree already. She should really try a different area and see how she does. There are so many positions, departments, businesses she can work for. Her local health department would be a great choice for someone who wants to avoid exposure to sick people. It's a desk job. Writing policies and stuff for hospitals and other local medical facilities. It doesn't pay as well as a hospital but certainly more than a cosmetologist or barista.
just discovered this channel and am immediately blown away. Been tearing through your videos and soaking up everything I can. This is the first financial information thats been presented in a specific, granular, real-world way that finally makes sense to me. Its also the first time I see an actual path to get out of debt instead of just anxiety and vague hope, thank you so so so much! You're doing such amazing work for us out here who didnt have good info, fell into a hole, and then couldn't see the specific "how" of how to get out. I'm heading off on my own road of no-taquitos, emergency fund, snowball the debts - just can't say thank you enough for making it clear and visible how that actually works.
I felt the same way when I started watching till debt do us part and princess honestly it was insane to think people living in the same city as me were so in debt and clueless
I see a lot of myself in this episode. Your show has opened my eyes to many of the realities of life, and made me push myself to be better
I’ve watched these videos before but recently I finally sat down and looked at my finances cancelled all subscriptions I’m $28,742.07 in debt credit cards/personal loans and the IRS🤦🏽♂️ but sticking to my budget starting this November I will be debt free besides my truck next November! then I will have my truck paid off in may of 2025! Thanks for the great content!
Good luck to you. Hope it has gone well for the past 3 months. Rooting for you
Hope it is going well! You are great for taking responsibility of your financial situation!
Please update us 😊
She could be a scheduling nurse, she works in an office or at home just making dr appointments for ppl......she can make alot of money
One of many lessons from this episode is…
If you win “free” tickets to a concert in Asia, don’t go. It will cost far more to go to Asia or Europe then it would be buy those tickets.
But it would be cheaper than taking the trip AND buying the tickets
I hope she can do it. Just her voice (making everything sound dramatic) is giving personality disorder vibes. Also she mentioned she was trying to not go psycho and that seemed like a legit possibility the way she said it.
I was honestly frustrated with her refusal to anything nursing related. There are many options that arent direct patient care. She could be making nearly if not more than double what she's making now.
Her voice was calming to me 😂
Her voice scares me, sounds like a dangerous person
The recession wouldn’t be that had on us if only most people took out their time and finance to venture into investment opportunities, most people live in comfort of savings which won’t cover up for much on this recession
You are right.!
That is why I had to start forex trading 2months ago and I now am making benefits from it..
My first investment was with Shanita Creswell, it gave me profit of over $80,000 Us dollar...
I'm glad I was introduced to forex trading and got the best teacher and mentor who helped me understand the financial market l'm grateful to Mrs Shanita 🙏🏻
O' Yes I'm a living testimony of Mrs Shanita Creswell.!
I have a feeling that we're just getting her spin, or her "truth" on what is actually going on.
Yeah she comes off as completely full of it
That feeling is misogyny
@@Hwgt888LOL. Does a grasshopper blink and you immediately think "Misogyny"!?
@@Hwgt888I'm sorry reality hurts your feelings.
I was getting the same feeling especially with the credit card and paying bills story and when he walked it back it back she totally changed it. I’m having trouble believing anything.
Her mom pays her phone bill & her dad helps with her car bill & insurance… at 25.. instead of making them look like it was their fault you’re in debt maybe you should be a little more grateful and grow up.
Right? I’d love to see if they would still pay to fund her life if they knew she threw them under the bus without blinking
"I'm gonna need this on like... a piece of paper.." girl, you just like me fr 😭
It’s refreshing to see someone who is open to making changes instead of defending to the death. Especially coming from a place where she wasn’t taught how to be financially responsible.
Discovering this series has inspired me to learn how to use Google sheets to track my finances, create a budget, and finally start paying down my debts. The main thing I'm taking away from this series is that while living life is definitely getting more expensive, the main thing that will determine your success is how much you hold yourself accountable for your own decisions. Thank you for everything that you do, I will come back later and let you know how things have improved!
This is a preference thing but I like excel it tends to be less laggy.
There are google sheets templates you can get for debt paydown. You list the loan, monthly payment, interest, select your paydown method like snowball or Avalanche and how much extra you want to pay each month and it will give you an estimated time of when that debt will be paid off by.
I also built out Google sheets for my budget. Pretty nice and customizable... And free haha
@@catz7679same thing with excel
If you get all your purchase data from your bank onto spreadsheet you can use pivot tables to quickly break down your spending
Says she has been watching the show for a month. Gives herself a 3. eeehhhhhh how long since we've seen an actual 3 ?
Honestly, she's a 2. That's gooood compared to some other people we've seen so far. I judged too quickly, I apologize.
The planets aligned last I saw a 3 at the end.
There's been a 3 who didn't lie about their net income? Maybe those FinFluencers...
(business owner)
Tbh buying Balder’s Gate 3 gave her a solid point.
I give this chick a negative 3.
Shawty lying through her teeth and im only 5 minutes in LOL
Another thought…. Do these people go on this show for attention because they DO NOT care about there finances
Just paid off mine and my husband’s last credit card 🎉 now we start tackling the larger debts with low interest (house, car, student loans). Thank you for literally ALLLLLL the work you’re putting in!!
Make a few kids so you can pay child support for 18 years
... So starbucks pays for therapy for every single employee, they also have a 100% 401k match, they also allow you to pick up shifts at other local stores to hit a full 40 hours/week if your manager is not giving you the hours (so no excuse for not having full time hours)
She’s giving huge “fake parental trauma” vibes. I’d totally admit if I was wrong but her story doesn’t line up and it sounds like she wants to blame her parents for her mistakes. First she paid for a Korea vacation then it was she was made to take the credit card out for the vacation SHE won and that’s just the beginning
Yeah… I get the feeling she wasn’t very honest with herself or with Caleb.
Right? Can’t stand watching these bc they’re just delusional liars
Made it seem like her dad wasn't in the picture, turns out her car is in his name, he's helping pay for it & the insurance.
Unreliable narrator.
Then she open up a best buy credit card 😂
I’ve been a nurse for 18 years and there are so many jobs you can do with your degree. There are lots of jobs where you have patient contact but you don’t see people long enough to make an attachment. I totally get the attachment to patients and having them die in front of you and nothing you do brings them back but you have so many options. I hope she gets through this.
Great vid! Training the new generation to be more understanding of their finances before it to late! We all know that even the young ones get deep quick!
She lies, then tries to change the subject, and when Caleb doesn't buy it and pushes back on her lie, she tries to rephrase it, and when he still doesn't buy it, she changes the story to make it sound completely different than any of the other times she said it. Watch when she starts answering a question and observes Caleb's reaction while saying a bunch of meaningless fill words to buy time before changing her phrasing if Caleb is reacting in a way she doesn't like. This chick's typical manipulation tactics aren't working on Caleb, so she starts responding with silence and confusion. She is a living, breathing red flag. Yikes.
for real, Caleb gave her waaaay too much slack and I'm sure her bf is at the ends of his wits
Can we not call grown women chicks? You had a very insightful and honestly helpful comment if she read it. Then all your credibility went out the window by accusing a “chick” 🐤🐣 of her “typical manipulation style” like you know her😅😭
@@izzywoods794 If you don't like the words I'm using, please feel free to imagine them being anything else. Zero percent chance that she just suddenly started using manipulation tactics on the fly with Caleb during this interview. She clearly uses them on other people with success, which is why she's caught off guard when he doesn't buy it.
@@izzywoods794 imagine being angry at the words they use and not the chick behaving like she is 10. Lol woman.
Agreed.
Her coping enchanted is avoidance/denial. Hope therapy helps and that she’s being honest about her needs, choices, and feelings.
This girl is light-years ahead of her peers. I loved seeing her personality come out later and to say i have a lot of pride and I'm defensive is so self aware. She kept her composure well and that gives me hope for her
her voice and inflection . . . . . yikers.
A synptom of lupus is brain fog. I think that may be going on.
This was very hard to take anything she said seriously or truthful. I would love a follow up on this one. I hope she takes your advice, both financial and life lessons.
Feels like a hack
My take: she thinks she is sexy and entraining and I would not believe anything that comes out of her month, whatsoever.
Yeah
Blaming everything on her parents while living alone for 4 Years is not a excuse in my eyes. She had enough time to clean the mess up imo
Her dad is helping match her payment on her car.......makes me curious if she's using them as an excuse
Eh I definitely disagree with a lot of things she does/said but can we not act like 20+ years of upgringing with no financial literacy would change easily without outside guidance.
I like how for every problem she blames someone else. Her poor mom taking the blame for everything this woman does in her life. Grow up. Scared to get sick at work but goes to K-pop concerts with 10's of thousands of people. Bruhhh
I feel so much better about my finances after watching these. But I still have a weird urge of going through one of my bank statements and yell at myself 😊 Taquitos Taquitos Taquitos Taquitos !!!!
Hey Caleb just to let you know, Best Buy does charge a $59 annual fee! I’ve seen in two episodes so far no one knows where the fee comes from.
Only the Visa, not the store card.
@@barbararepko4824 ok, I was about to say. My Best Buy card doesn't have a fee. But now that you mention it, I'm fairly certain I opted for the one without the fee because there was no chance I'd be using that card outside of BestBuy so why pay a fee for it.
Hey Caleb. Ever since I stumbled on your channel, my partner and I started tracking our spending monthly to crack down on unnecessary spending. Thanks for the motivation! Keep it up.
That is awesome!
I enjoy watching these episodes especially lower income! I’m a college student in an engineering tract working full time and doing Uber and full time school. My checking account dropped below 1,000$ and I was stressed
Home girl doing her best to play you for a fool. Blaming her irresponsibility on her mom and her ignorance and pulling every card she can to be as lazy as possible. 0 accountability.
Cosmetology school is way harder on your body than telemedicine and “I’m a Sagittarius” is all I need to hear to know she avoids responsibility. And he was being so nice to her and she wants to say that she would have stormed out😂 she is literally insane.
Please be kind in the comments. Many guests read these.
Good they should hear the truth instead of be babied and coddled@@izzywoods794
I feel for her boyfriend. Imagine trying to help your girlfriend break bad spending habits, and standing there as she says "he's not doing good" and "I don't understand him".
She briefly alluded to being spoiled and that is likely the root of all her problems.
@@izzywoods794ur equally as insane
@@13isa45No, she isn't. Asking people to be kind is a reasonable, compassionate thing to do.
It is possible to criticize in a constructive way that isn't unkind. If you need to call people insane to make your point, maybe your point isn't that strong.
Baldur's Gate is the most acceptable excuse I've heard on these audits 😂
Absolutely gobsmacked Caleb hasn’t heard of it
11:19
It's pretty sweet.
Her pronouncing it "boulder's gate" kept giving me heart palpitations
I'm a real financial hardass, but I'll give her a pass too cuz BG3 just came out
@@rottingcorpse6565I’d say nah, get that shit on sale bro… it being more of a single player/friend experience you could definitely wait on that.
She’s giving way too many excuses.
Out of a lot of people that are on the show she was rather pleasant and aware to a very large extent. Ofc she's doing some stupid stuff but she's a really pleasant human. I fkn appriciate that. Showing growth.
I can not fully describe without profanity how much I have grown to detest financial abuse perpetrated on people by their parents.
And the rest of the abuse, these people out here are fucked up.
I don't think that she is being honest. I doubt her mother would convince her to go to Korea to see K-Pop band. The whole K-pop thing is hers, she she hasn't taken responsibility for anything. Blaming parents for everything is getting really fckn old. I don't believe a darn word, she keeps changing her story. Did her mother force her to buy herself the video game as well when she had 0 dollars?
Lying has become the norm and she reeks of being a liar.
@@mindyourbusiness4199that’s not 100% what she seemed to be saying. Her mother taught her shit habits. With that she wanted to go to a concert in Korea, mom was like, i cant help you just use a credit card. It doesnt sound far fetched AT ALL
@@mindyourbusiness4199Agreed.
She doesn't even live at home...what she learned is what she taught herself: Credit Cards=Instant gratification.
Her mom more than likely said, "you're grown, if you want it, you buy it...and by the way, you can help with a utility or two".
Accountability is not abuse. Someone in denial won't see it that way.
I like that I can just listen to this while working or on my uber side hustle :) It's encouraging me to actually work my butt off so I don't die on the walmart floor😅
I worked in a salon where women were making $800-$1000 a day gross income. That’s definitely not the average, but I’ve definitely see people making tons of money in it when they were serious and found a good niche.
I’ve been a K-pop stan since 2017 specifically for the group BTS (everything of theirs is hella expensive😭) and I’ve spent max 100$ on them because I knew better.But when they come back in 2025 best believe imma go see them.But blaming it on K-pop is not the way to go
This show is the best
You are the best’
Caleb is right. You're the best for saying the show is the best first 🎉 that was for you
It is, it is the best
@@CalebHammer thanks 😊
Got 22 minutes into this one before having to be done. Right when she talked about how much she loves her job and how mega corp Starbucks treats he so well on her $15 an hour, 30 hour part time job while meanwhile she “just can’t” utilize her actual biology and nursing degree because one narrow slice of that industry didn’t agree with her. Excuse after excuse, blaming her mom, bunch of bs. You’re 25, get a real job!
Thank you. You said it all with a lot less words than I did. 😳😐🤔😵
You made it in 22minutes😅
I’m at 15 minute mark about to click off 😂 excuses are endless. Genuinely can’t tell if she has 20iq or just doesn’t understand money
Agreed. She's a loser
@@cmh0202she doesn't want to understand money
I don’t believe one single word that comes out of her mouth
Caleb do a shopping trip to show people it's possible
She could be a registered nurse and be wealthy in 15 years, but she chose the easy life avoiding stress or lack of willingness to do research. She can easily be an admission nurse or mds/medical records where you don’t even see the patients at all. Or she can become an IV nurse where you only put a iv line and you won’t see that pt ever again.
Absolutely. Or a blood draw person. I can't spell the actual name
@@lot2196do you mean Phlebotomist? Yeah that would be a good idea for her
Well, her life won't exactly be "easy", she's choosing a hard and uncertain future.
As a person who worked in Healthcare and went into private R&D, I'm hesitant to tell people to jump into a career like nursing or anything clinical patient care for the money because it's really not that easy. Considering the amount of intense schooling and mental health and longstanding stress on workers, its not for everyone and requires a huge investment upfront only for people to realize it's not for them. It's not fair to the patients either.
She has the mental capacity of a 12 years old, how the hell did she pass nursing school and the NCLEX?
Lol Caleb’s face and his monotone “wow, impressive“ is pure comedy. “Went from the biggest to straight out of the pool.” 😂
For sure!😂😂
I don’t know how many schools cover finance as a subject in high school but it would be fantastic to have a mandatory finance course so children can get educated on how money works so they can make smart decisions.
I mean schools around the world not just USA.
She reminds me of my sister. My sister was a bona fide chef, as in culinary school and an externship at a 5 star restaurant, but she worked as a prep baker at Panera for minimum wage and if you asked her why she didn't want to get a real chef job she would just dismiss that with "everyone who works at restaurants is on drugs". She also started a phlebotomy degree and a nursing program but quit both because she wasn't doing well in her math classes. It was really that just she didn't want to put in any effort. She ended up moving back in with our parents and claiming disability but kept losing the court case to get assistance.
Unfortunately, Starbucks (from my experience) can be extremely difficult to move up in. I worked there for about 8 years. I was a supervisor for several years (which only got me about a $1 raise) and was trying to become a store manager, but I was constantly passed up for new hires. The politics are really weird there. Finally, I got tired of the rejection, so I went to a tech school, and now I'm a software developer making double what I would have as a store manager. I wish I had gotten out way sooner.
Agreed. I'm trying to get out now. 6 Year-er here. I hate the politics and I could honestly do SO much better in retrospect. I was nice for when I was in college and I have no debts because it. Now I'm ready to goooo.
CALEB I DID IT 4800$ LEFT FROM ALMOST 20K IVE BEEN WATCHING SINCE YOU POPPED UP started a flooring business did 60/80/100k 19,20,21 but everything that could go wrong kept going wrong so I ended up p much homeless wife pregnant broken down van random tools cuz they were stolen and 20k in debt I FINALLY HAVE IT 2000$ saved the rest of debt is no interest low payment so I can save money and be able to utilize it you really helped me kick myself back up gave me the confidence to start school as I saw it go down so fast hoping to have my home already by the time I find a start to my forever career just a year ago I thought it was over for some reason so thanks for reminding me WHO I AAAAAAWWM actually though great channel
Congratulations! that must be a wonderful feeling 🎉
The income limit for Medicaid in KY is $1,677 per month for a single individual. I have no idea what it is in Texas but she should definitely apply.
She’s a sweetheart, wishing her the best ❤
I’m not sure why she thinks talking about finances with her boyfriend will cause a fight. I’m inclined to think that money fights are more likely caused by lack of communication about money.
She doesn’t want to be told that she’s being irresponsible
She could work in a medical cosmetology area. Make more money and get other certifications for higher clientele. Botox, chem peels, etc. work hard, learn more, and move up. Good luck to her
I need to send an inquiry to come on here and show Caleb a cosmetology success story. There is so much money to be made in this industry, and I totally changed my financial story because of it.