27-Year-Old With More Debt Than Anyone Should Ever Have | Financial Audit
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- เผยแพร่เมื่อ 19 ม.ค. 2023
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A lesson that has stuck with me; 5 grand is not a lot of money to have, but its a lot of money to owe
thats SO TRUE
This is a great thing to know though, I'm glad you found it out d
True!
Facts
*it’s even more money to owe
She's a great life coach, she's shown me I will never need a life coach and she charged me nothing, great value.
This bitch is adorable!
@@15751Chris she is acting cute and you fall for it. Hope you have money coz she is high maintenance
She expects people to listen to her coaching but won't listen to another's?
Her debt is t even that bad, suck it up and be free in half a year.
You know, that's how I learned the most in life: By looking at people doing dumb stuffs and by just not doing the same.
She's no life coach lol. She does porn, escorts, and other shit.
i’m 29. i have no debt but i also live paycheck to paycheck. HOWEVER, when i watch these, i realize that i am nowhere near to being down this bad and it makes me feel so much better 😅
Always room at the top. Nothings out of reach. Tomorrow you can have it all. Never work pay check to pay check again!
@@4NaturesStoryGee Wiz! That solved everything! Thank you for your wisdom!
@@philip9823 lol, well shit…Im trying! 🤷🏻♂️
I always want to see others do well. I’ve been there and my life sucked until I “got it” 20yrs ago when I was about your ago, assuming you’re in your 20’s.
Im self employed, usually always home and get to see my wife and daughter everyday. Im not rich, but I do work less than 1/2 the year. This is what I wanted more than anything and now I have it. I’m blessed. And so are you!!
@@philip9823he’s so helpful!
You’re such a nice person. Literally using other people’s misfortune as a way to make yourself feel better about yourself. You didn’t have to make such an unnecessary comment and shit on other people’s lives. That’s great I’m so proud of you! What an achievement you live paycheck to paycheck. Don’t get too cocky your one illness away from being homeless or out of a job. Never use someone else misfortune to boost your ego. You’re disgusting.
She struggles with being honest. I don't understand how a person who lacks control over her own life can be a life coach. Absolutely crazy. Severe maturity problem.
If she was a male she wouldn't be making that amount per year.
She just lucked on being an attractive blonde woman.
She believed it was a sure fire way to make 40,000 a year consistently.
Most life coaches are full of shit it’s a sales position
This woman is the living embodiment of Austin... from the hat, to the life coaching, to the hat and then there is the hat
LMAO hilarious, drastically underrated comment
Nothing wrong with a nice hat in and of itself.
Best comment I've seen in a bit.
I live in Austin and I agree
And the part where she’s been living massively over her means
The IRS got their new favorite podcast
😂😂😂😂😂😂😂😂😂😂😂
@@kansashoneybadger7899Thats fucked up, do you have a tax accountant? As a small business owner you may also be eligible for government benefits and programs. If you use these to your advantage, along with making smart use of tax deductions and loopholes, you may be surprised at how low your effective tax rate could be. Good luck on your tax avoidance journey 👍👍
Dingbat😂😂😂😂😂😂@@kansashoneybadger7899
Right?! 😂
Right? I'm sure they would like to know her disclosed business type is incorrect. She's actually a porn actress and escort. This spiritual life coach is a cover/ euphemism. Shesuz is her name. Her 'spiritual coaching' sessions are sex with her if you aren't into just watching her videos.
This is why it’s pointless to compare yourself to what others appear to be. She drives a nice car, has expensive clothes, clearly spends a lot on appearance, and has absolutely no money and a severe negative net worth. But I bet a lot of people with $100 in their pocket and zero debt wouldn’t think they are in exponentially better shape than her. She has no clue she’s on the cusp of disaster.
Love this comment. As someone in a period of financial rebuilding, reading this brings me reassurance.
Ive always lived really simply and never had nice things. But I've got no debt, so there's that. One of those hidden flexes
I’m 20 and I’m significantly behind where I want to be because I had a mental break in 2023 and almost ended my own life. I’m really hard on myself about it because I thought I’d be in my dream job making 20 an hour by now and saving for an emergency fund so I can live on my own by 22. I’m not there at all. I work as a cashier part time. But I’m getting promoted to a supervisor position and get to be full time! And! I have no debt lol
@@1337project9 I dont travel, I have a 20 year car (which is in perfect shape and really reliable), I dont have any designer or brand clothes, I dont really eat out... People assume I'm broke and often offer to help me out, which is so funny to me...
I'm not broke at all, I could pay for full replacement of my central heating system out of pocket, without even thinking about it. I could replace my car 2 times over without even touching my long term savings. I have a hefty retirement account and building a S&P 500 stock portfolio little by little. I'm actually quite wealthy and have a lot of assets, but not enough liquidity to have a fancy lifestyle.
I enjoy this life, removing worrying about finances and seeing my wealth slowly building up removed a huge chunk of stress. Spending a week abroad and sharing photos on instagram about "living my best life" simply not worth it for us. Setting up my kids for financial safety and having a house I can live with minimal financial strain until the end of my life does...
Wait until he realizes how much it takes to dye her hair that color every 6 weeks
$15? Because that's how much it looks like its worth to me. 😊
@@sierrastanley3109 probably closer to 150
@@sierrastanley3109try $300-$500 for a root touch up 🤯
Every “MMMMMM” is pushing me one step closer to the edge
😂😂😂 me too
Good.
Mmmmmmm with the crazy smile
hhhhmmmmm 👁👄👁
It’s a dismissive. She’s saying “mmm” to acknowledge what he’s saying but knowing she isn’t going to do it the way he’s saying to do
I was worried she was being irresponsible and wracking up debt carelessly, but then she said “Clearing the Debt” was on her vision board so that put me at ease
I was waiting for this comment 🤣🤣
Me too. Vision boards are powerful life-changers if you have a plan.
@@deathsoulger1 I've got get longer and more girth on my vision board...no luck yet though :(
@@herpiegerbstick6808 bro 🤣
😂😂😂😂😂
The pure dread on her face when he said "Kroger" was absolutely amazing.
"Hear me out, I can *'fix'* her". Fix like a cat....
@@9WEAVER9lmao
He also literally used her pre-tax income when making the calculations at the end on how to pay down her debt. Her situation is much more dire than he even budgeted out for her.
Oh 100% although it doesn’t seem she is paying all of her taxes so she’s gonna be in the hole when the IRS hits her with the bill 😂
Yeah good point, how was that not a massive piece of the conversation?
I’m also stuck on that.
Probably because he knows she isn’t going to put money aside for taxes anyway 🥲
@@aoceana6742 no, he’s just too busy pretending to know what he’s talking about. Kind of like Dave Ramsey lmao
"Not having an emergency fund is an emergency" hit me really hard.
me as well brother
I consider myself very financially literate and have never taken on debt except for my mortgage, but I have never understood the need to kill money in an emergency fund. Perhaps because the markets have been extremely strong for the past 15 years since the great financial crisis and fortunate that I havent really had any crazy unexpected emergencies that blind sided me, but I think the opportunity cost is too high when you consider that emergency funds can greatly compound for you at the start of your financial journey. It's better to get that fund working harder for you because over the long term, the chances of those funds being down are near zero. The further you run, the bigger that emergency fund will get. Learn to use that credit card properly and have that for your emergency, then pay it off right away. If in the short term you are down 15% to even 30%, so be it because that will only be a short-term thing. Historically, the markets return 9%, so shouldn't you stick with that
@@cheynebest7028point is to do both. Have available cash on hand to protect against anything catastrophic but only to a certain point. Once the fund is there - invest everything else. High yield savings can get nearly 5% and the cash is available immediately. Tying ALL your money up in investments is risky
Same
@@cheynebest7028what
This woman is the ideal consumer.
she's doing wonders for the U.S economy
Which is why there are so many initiatives by the government and companies to push women into the workforce. They will spend more of their income on useless crap.
@@Championeddnot really, she isn’t producing anything valuable.
Creditors salivating watching this video lol
@@SniperKingz Not at all. Lots of budgeting programs are focused on buying less takeout, finding cheaper options for beauty luxuries, and generally targeted at women in general. There are very few options telling men to stop buying expensive sports channel packages or stop going to shows or slow alcohol consumption. Men are still the ideal consumer because they are traditionally not taught to budget.
I was once like her. At 42, I had $65K in credit card debt, $50K in student loans and $120K in negative equity on my home. Im now 57, debt-free and have $120K in savings. I didnt use a coach or declare bankruptcy. I just needed to discipline myself with money. You'd be surprised how much of your hard-earned cash 'leaks' through the cracks buying things you dont need, rapidly depreciating assets (like new cars every 5 years) eating out or in credit card interest. Read the statements that come with your credit cards. - It can take two decades to pay one off, but if you can add an extra $40, it may be only 3-4 years. Pay the highest interest cards first, one at a time, then when you pay one off, take that payment to tackle the next card. - It snowballs.
It may seem like youre drowning, or even the end of the world sometimes, but you can get there. Good luck on your journey to financial freedom. You've got this!
I am so, so happy for you and your hard work and accomplishments. I am 45, living paycheck to paycheck, but I have minimal debt and I am building with a high interest savings account. Thank you for sharing, I believe I can make it!
@@s.l.1851 Thanks and best of luck to you!
I’ve been using the snowball method since last month it feels like a long way to go and I still get spending urges. I need self discipline. Thank you for sharing your story. Watching these Caleb videos makes me realize how irresponsible I’ve been
I needed to read this. I'm not too far in the hole anymore but I didn't believe that getting out of the hole would matter by the time I turn 40.
Congrats to you!
Now that I’m a little older and maybe a little wiser, I’d have to say this is the best advice to young people struggling with their finances. Take at look at exactly where your money goes every month, you’ll be surprised (maybe even shocked). And figure out how you are repaying your debts, and if it makes sense to repay a little faster. If most of the monthly payment goes towards interest, you’ll be paying that debt for decades. Some people have paid a total of as much as €150k to repay a €30k student loan.
You can see in her eyes she won't change. She coaches people and doesn't see the cognitive bias of the 'sunk cost' trap that hooks many investors & gamblers.
She’s in the influencer trap. She has to appear successful: nice car, expensive food, clothes and apartment to sell her lifestyle so others will want to copy it and pay her for her secrets.
Of course the secret is…credit card debt.
Ding ding ding
It’s fucked out there for some of these people. It is real easy to be gullible and fall for these guys, I’ve been there.. pay for courses that offer nothing .
This influencer (I hate that word) lifestyle is grimy.
BOOM💥💣 also isn't life coaching a form of therapy used by a licensed psychologist/ therapist how did this became something anyone can pick up on weekend course?
Am sure her insta is full of pic’s about how she only works part time as its good for her soul and yet because she follows her passion she has this expensive lifestyle she can afford - while helping people.
The fact that she’s giving OTHER people life coaching advice is absolutely terrifying 😳
She saw other coaches make 40k a month so that's why she was drawn to this profession, disgusting person, no real intentions to make peoples lives better, just greedy .
@@jamieberger310 uhhh no..... because if you don't lead a healthy life yourself, you are simply passing on your own toxic and negative behaviors to people in need who are coming to you for supposed "help". before trying to get paid to help others, you need to get your own life in order. "do as I say, not as I do" is not a viable business or life strategy
@@jp92382 didn't she say she was a spiritual coach? I don't think her course gets bought to tell people how to spend money
You know someone’s “career” is a rip-off when they have trouble explaining what it is…😂😢
@@jamieberger310 sweet Jesus no one said that. The whole point is you have to put the oxygen mask on yourself before putting it on for others. Damn near impossible to be spiritually secure while you’re a debt slave. Her self admitted fact that she’s averaging 6,500 a month, doesn’t have her bottom line under control, and only got into it bc influences SAY they make 40k per month screams valid materialist and not someone grounded spiritually. Her God is money
The 'Mmmmmm' and the face crunches and smiles... Good lord she going to go into even more debt because she's never gonna change
Holy. This girl..... I am not too savvy but my parents rsised me to never spend what i don't have and it's gotten me far.
To be fair, that is the most important part.
Life Coaching is a scam.
as soon as i heard that i knew this shit was gonna be good💀
noshit
💯
It's funny how life coaches have some of the most screwed up lives.
How can she coach if her life is a mess....
I have a feeling this is the very first time in this girl's life that she got put on the spot like this. She is also a poster child of why we need to have mandatory, comprehensive financial literacy classes in high school.
But if they did that then who would the bank prey on
I wish I took it this semester :/
This is a very stupid female , the education system in America has fail these youngsters. Is really sad 😔
@@someweirdguy5721 duh, why do you think they already don't do it? As politically supported as that would be from both sides of the aisle, you would think someone would make that known
As someone who went out of there way to take financial coaching classes in high school and have family members that are very very good with money who have coached me I’ve dated multiple women who can’t stop wasting money. And I’ve told them what they need to do to fix their financial issues but they can’t stop wasting money on going out and buying clothes and eating out. They seemingly can’t control themselves. Some people just don’t want to put in the work they like the “feel good”
That “mmmm” is gonna pop in my head every time I hear someone tell me something I know I’m doing wrong 😂😂🤣🤣🤣
That mmmmmm is gonna ring in Mt head every time I get a soda from the gas station lol
It always is 😅
@@theshaggymotto 😂🤣🤣
This was an incredible watch! After seeing you in TH-cam shorts for a while, I’m glad I finally watched it
Girl is brave for coming on this show and not only confronting her own financial status but doing it in front of an audience... but man, taking life coaching from a 27 year old? Thats rough.
Life coaching at all...that shit is ridiculous.
Can't swing a dead cat without hitting a life coach.@@chaudx
I know a lot of 20 year olds that are smarter than 40 year olds.
@@bolt7047point is, she's not one of them.
Its bedroom coach... her website wa transparent in this fact
He’s so great to watch because he’s saying the things we want to hear him say. Straight up asking her about her ability to give advice when her life is so out of control. Incredible
Sex is "free", get married have tons of sex. How hard is this to get. Be a good caring person and make yourself attractive to any man and stop feeding your sinful material lust that puts things and experiences above people.
She’s at least in control of her emotions! Like damn I would have cried. I think he was hard on her because he knows she can do better and turn it around
@@myplaylists6310 agree! She seems to feel an appropriate level of “oh shit I messed up” but she’s keeping it together. Hope she turns it around.
I found that very rude actually. Her job is not a financial advisor. Even still many healthcare workers can’t follow their own advice so it doesn’t equate.
That was the only time she seemed to absorb what he was saying. She only works FIVE hours a day?! She can get a second job to pay off this debt. Maybe he suggests that later and I haven’t seen it yet …
How did a dealership convince this woman to pay 45k for a Rav-4? That is atrocious😭😭
The salesperson probably saw what an airhead she is and decided to take advantage lol
They're pretty high
Brand new RAV4 Hybrid Premium 2024 costs about 46K in NJ, and I had to wait for mine for almost 3 weeks - not all colors are easily available. Then we add taxes, fees and stuff - voila 50K bill. In Texas it is probably cheaper...
@@SorciereRougeYep, brand new 2023 RAV4 was like 43k in Ohio. They literally got two in an hour before we stepped on the lot, had already sold one and had another family looking at the other that we acted faster than. They are highly demanded right now
She’s EXACTLY the ideal sale for car dealers. Zero knowledge or ability to haggle. Guys on the lot were probably fighting each other to get to her first.
no joke this actually inspired me thank you
I'm impressed that she could explain what she does for a living with a straight face.
She claims to make $80,000??!? Yeah freaking right! Lol
@@Xxpianoplayerxby working only 5 hours a day???
@@Xxpianoplayerx you're dumb if you think that's not possible in the modern age. The most lazy and worthless people are becoming some of the wealthiest these days in the age of social media influencing. Idk if you aren't paying attention to reality or just coping , but it's not crazy at all to think that she could be a millionaire. Which she's not. But there are plenty of millionaires out there who do what she does.
Why? She’s very typically woman delusionally proud and braggy with these alternative type ‘hipster cool fabulous’ trendy jobs.
This is damn standard illusionary cool type self perception.
She doesn't really explain her job in any meaningful detail though
I would love to see you re-interview these people in 6 months or so to see if any of them actually manage to do it!
You know the answer is 'no'. They'll feel really bad for a couple of weeks, maybe a month or two. Maybe they'll even make a genuine effort for the first couple of days. But it's not about radical change; that stuff just feels bad for a very long time and they'll ask themselves "what is the point?" or just justify their outrageous behavior to themselves and give up. Gradual change is where it's at, and it's too late for that.
It's never too late to change but the longer you wait the harder it gets
This video was posted 5 days ago at the time of me writing this and currently has over 300K views. I guarantee it'll reach 1 million views in a about 2 weeks. By then there's gonna be so many wealthy simps reaching out to her willing to be her sugar daddy. She has a "wet box" up top and down below along with a pretty face and very feminine. It'll be easy for her to get out of debt!
At 11:40 this basically tells me that she already has sugar daddy in her corner. "Trade"
Absolutely!
It’s hard to watch these sometimes man. I know it’s bad decisions but this is a real trouble for some people, and seeing her facing it head on feel so brutal. I’m glad she’s getting help though and not letting it just accrue.
Im glad i found your channel due to shorts, got me to think more before i spend money and to decide i will never use credit cards.
How in the world can anyone pay a 27 year old to be their life coach? That's like asking high school graduates for retirement advice.
@@alvaro_espinoza right coach of sus
@@alvaro_espinoza Nailed it - she cant even describe what she does in any concrete way. Do you really think this woman can put together a business? "Friends give her money for taxes" "A friend does her taxes and they trade services". Does she really think a life coach is making 40k a month?
@@alvaro_espinozareally? How do you know that? I Google her, just found life coach bs.
Edit: nvm, just Google "Shesuz" lol
It's like asking a homeless guy how to get rich...
@@jhyland87 You a real one
It would be cool to have those from older episodes do an “after 6 months”, or a year, episode to see where they’re at after hearing Caleb’s advice and if they’ve made any progress.
I have been wanting this too!
I would too but I doubt people would want to come back if they failed
He's done a few follow ups, even having three previous guests on for a follow-up after the follow-up.
Almost all of them don't take his advice or fall off after a while, and almost all of them end up worse off. One just seemed in it for the engagement for his socials.
Only one follow-up guest has had their situation improve since coming on Caleb's show.
Oof that's so sad to hear, but maybe not so surprising
yesss
the humming at the end of every one of Caleb's sentences is driving me nuts, lol
He’s so calm and kind in this one, it feels weird!
I like how Caleb is the real life coach in this episode. And the “professional” life coach is just a “feelings advisor”
That's what most life coaching is. Actual life coaches are not nice people. They are very blunt and brutal and can get to the extreme of nice and complimentary too when it's deserved. What people want with most of these life coaches is to feel good about life when their life actually sucks and they don't want to face it. Just like how people think therapy is suppose to be coddling you, it's not. It's suppose to be rough and uncomfortable because that is what drives change.
She is a professional useless person
Have a look at her link tree in the description she’s not a life coach she’s a prostitute
My aunt had a life coach for a while. It was an expensive time period for her and they just made her feel like crap. Just a scam.
@@nickf.6027 and escort
I know everyone’s roasting this girl but I’m really glad she came on the show for our entertainment
Especially her clients.
It's good when a charlatan is exposed.
Heartbreaking story but since she's just like my ex and can't take responsibility for anything if it saved her life... I'm struck by my momentary lack of empathy.
most people who are roasting her are doing the exact same thing or dont know what the real world is like just yet
😂
I'm pretty sure this is the first video where they put a picture of the car on screen for the visual reference.
I’m so glad I came across your page. You’re like the interesting/fun version of Dave Ramsey…I’m 29, been making 100k a year the past 3 years and I’ve been spending all of it still living at home(rents $1300 at home)
I’m realizing the more I keep watching your stuff, the more stuff I’m selling shit I don’t need and not buying stupid crap I don’t need
100k a year is about 70k after taxes and deductions.. what could you possibly be spending $3600 a month on?
My respect to all the people that have the guts to put themselves out there for everyone to see their face and situation they are in.
How do you think she got the interview? Either you pay $400 every 30 minutes or you can email him, he invites you out and RIPS into you for views. Now I don't know for a fact that they don't pay if they're interviewed but I have a hunch
They do not pay to be interviewed lol, that would be stupid.
That being said, I’m not sure why this chick ever thought going on this show was a good idea. Just clout chasing and being on camera. How is this chick gonna coach anyone when she’s drowning herself on a daily basis
@@LolBoontai I am glad he's hard on everyone about their financial situation. I think it puts them in a position where they actually consider what he's saying versus them thinking it's not that bad and then continuing the cycle.
She should not be COACHING anyone on anything
@@toxicavenger6172 don't get me wrong it's good that he's ripping into them but you can't deny its good for views too
She can’t just give a straight answer. That is so frustrating. I love how Caleb is so straight forward
Because she isn’t being honest
That’s because she’s an escort
@@RC-wz9vw you mean like a who-oar?
She can't even give a straight forward answer as to what a "spiritual coach" is
I love her moaning.
I just discovered this guy, I’m a big fan.
Her being a life coach while not having her life together is wild
The privilege is unbearable. It’s unfathomobly unfair that someone could make so much money, only work 5 hours a day, and still can’t be bothered to cook a meal or pay taxes. It’s wild.
Why don't you call or write your representative to stop lobbying and having corporations run our country rather than us ?
If you want to be rich in America u have to steal it, be an attractive female or be extremely lucky
Should be noted she makes that money pre tax. She probs only makes 4k a month on avg.
She's an escort.
@@lukespalding6638 except she’s not paying taxes remember? Lol she own her business so it’s not like a paycheck that gets taxed. She’s getting an average of 6.5k a month and spending it all. She’s crazy. You can already tell she didn’t understand a word he said. In one ear, out the other. She’s just going to continue this mess.
Right!!!!! 5 hours????? And I bet she doesn’t work sundays!
This is a tough conversation to have. Props to her to be willing to sit down! A lot of people avoid this conversation with themselves.
The one and only reason that she sat down was her hopes of gaining new followers. She isn't capable of mature/analytical thought or genuine self criticism. But I respect that you're trying to find something positive to say about such a nightmare of a person/situation.
@@abidalihyder damn 💀
Eddy,
I give her no props and here is why.
You don't need to go have a discussion with anyone whether it's in front of a camera, on TH-cam, another individual, counselor, or life coach, etc.
You have to be able to quit lying to yourself.
It's all about being real with yourself, where you stand, without making excuses or trying to justify your poor decisions like demonstrated here in this video instance. You can't learn with that mentality, and you won't change a thing in your lifestyle. I don't believe she will change hers either until she has to either lost clientele/income, maxed out her credit cards and can no longer spend, claim bankruptcy, get in trouble with the IRS, or end up in jail. She will only make it harder for herself and everyone close around her. Family, life partners, and friends will suffer alongside her as well.
And what bothers me the most is that she is in business to give other people life advice when she has no idea how to live her own.
Spirituality means taking care of all your life, not just singing kumbijah, rubing a statues belly, naming and claiming, hugging a tree, or lighting candles.
Let's put put on a dumb smile, use a stupid laugh and hope for the best, and we'll call it Spirituality.. BS !! BS !! BS !!
Again, i give her zero props.
@@abidalihyder right because a guy making an assumption about someone they don't know in a TH-cam comment section is SUPER mature and analytically inclined
@@pissboiler5978 most people just don’t know. Lots of people struggle with finances, lots of people ignore these issues until they die🤷♀️
You should do a yearly meet up with the people in ur videos to see if there is any progression
Need the grocery shopping part two
Never seen this channel. But this guy is exactly the kind of person that everybody needs as their best friend. No sugar-coating, just cold hard truth with the intent of looking out for you.
To me it feels like the offense is not the right way to get the message through. The general points are critical, but I feel like he's disrespecting them in a way that makes this entertaining for the audience but fails to actually aid the person in the video... My humble opinion
@@nadavgeWell the guests were the ones that agreed to come into this channel instead instead of getting help in private. And also being blunt is not synonymous with being disrespectful.
@@rambutan_lychee9255 I tend to agree with most of what you said, still though he does say things like “I don’t think you should be coaching people” which feels to me more like a personal attack than constructive-yet-blunt criticism.
I guess that’s part of the contract, as you said. I just don’t it has to be to keep this channel entertaining
@@nadavge Telling someone to not give other people as advice that they don’t follow themselves is not a personal attack.
People don’t want to spend time being lectured by someone who are not competent. There’s a value that comes with the same sentences coming from people who has merit.
The woman in the claims to be a life-coach but can’t manage her own life. In what world should she be telling other how to live when she herself is struggling with poor impulse-control, finances and is in tens of thousands of dollars in debt.
She needs to straighten up her life before ever thinking of coaching other on how to do so!
@@nadavgeif you can't see the advice and care through the actual reality of telling you that you are fucked and you did it to yourself then your issue is with your character and you won't change until you fix that. It's a soft way of thinking that does not drive invention and innovation. If the nice way worked then they would have gotten their life together before then and once you are homeless, you find nice is a luxury that does not exist during survival.
Hey Caleb, just thinking it would be great if you could do a financial audit with someone that is financially responsible to sort of show what people should be doing to be financially responsible.
That's what Dave Ramsey is for
Great idea honestly but until he makes that episode, for those wanting to save money and succeed, I’d just continue watching all the other videos and just inverse all their financial moves. Simply not going out to eat, purchasing unnecessary luxuries, and buying low risk stocks for retirement so far seem to be the move!
@@sirpicklestien1436 Most important takeaway for me is pay off all credit cards in full unless you financially can't. Which I thought was common sense, but apparently some seem to see making minimum payment like some kind of homespun cashflow optimization scheme. But I'm not from the US. Is it usual for people to keep to minimum payments, or just the people that end up getting roasted on this show? No snark intended, genuine question. I know attitudes to debt are different in different places.
@@dittikke it is very very common. A lot of adults are in crippling credit card debt in their 40s. They're predatory as well. I get probably 7 credit card offers by mail per month
@@dans4125 Thanks for the reply. Scary.
Great Life Coaching Caleb!
For the record you don’t need to eat hotdogs to eat cheaply. Brown rice and beans is healthy and cheap. Add a veggie and bam rice bowl. Every day. Healthy and cheap. Pb and j
This is the best damning exposure of the life coaching industry I’ve seen yet
Her using “life coach” is actually a euphemism. She charges people to give them happy endings and other adult activities.
I was curious if she was an adult ‘performer’… poor critter
I actually knew a few people who didn't know what they wanted to do, so they became life coaches 🤔
@@Timbo360 Did you catch how see was sleeping with the guys in exchange for doing her taxes? Or at least she seemed very hesitant to tell him what she was "trading" for him doing it.
@@123chargeit yeah, found her pornhub account. Lol
Who ever takes classes or goes to this woman for spiritual advice, I feel really sorry for you. She LITERALLY just said that she started doing this because she saw other “life coaches and gurus” making a lot of money from it.
Playing devil's advocate, it doesn't mean she didn't learn or whatever you need to do to be able to do it. She could be good at her job but I think the whole life coach concept is stupid so who knows.
@@216cle That's possible, but I'd be hesitant to trust a life coach that can't be happy by using her own yoga methods, but instead finds her joy in spending money.
@@brandonwc exactly why the whole idea of the industry is stupid.
She must live in California. In most of the country, people wouldn’t pay for this dubious service.
It's stupid hippy shat and it only works, b/c he's in the California of Texas.
The only thing this show has taught me is no one actually has money and everyone is just spending credit to look like they have money😂
You’d be amazed at how common this is, even in business. “Debt leveraging” is a fancy way of saying “Robbing Paul to pay Peter.”
She has never been held responsible for anything in her entire life.
Damn, she just told the IRS she don't pay taxes. Wish her luck!
😂😂😂
FOR YEARS!!
Mindset of abundance
If you never start theres nothing to audit
Hats off to everyome that comes on this show. Takes a lot to admit mostakes and we can all grow wiser
Especially spelling MISTAKES.
@@jtdenton1483 I'm pretty sure that was intentional and ironic lol
Was just thinking… she has great emotional regulation. Caleb was fairly condescending and she stayed patient and open.
@@parcheesy33 Condescending? He was trying to get through to her that she's ruining her life, because she came on the show FOR HIM TO HELP HER, and she's just sitting there, hmming and hawing at everything he says, not paying attention because she doesn't actually care. She just saw this as a way to promote her business, wasting his time and hers
So few people understand motivation. $$$$ Also people below 30 have completely different values than those above 30@@pwn3ronetwothree
Jebus. This was soooooo hard to watch. I think I need to book an appointment with my Chiropractor to adjust my neck from shaking my head so many times. Your patience is unmatched.. You took this on for an entire hour! I did not notice if she ever cashed a reality check, but for the love of God thank you for writing her one. I'd bet a year later nothing has changed. Yikes. And this is me being nice ;)
First time watching a full vid. Usually watch Snapchat clips. Love the show Caleb! People need to hear the truth!
That “mmmmm” is going to be stuck in my head for the rest of the day…
I keep watching this clip just to see her do mmmmmh
@@buckrogers-lk3yr why??? It literally hurts my brain
That part definitely strikes me every time she does it
Caleb: breaks down EVERYTHING, gives her a plan, and stresses the seriousness of her situation.
Her: HMMMMMMM 👁👄👁
😂😂
Over and over
Could be she has a safety net or some kind of backup plan. As up front as she was I wouldn't be surprised if she held something back.
Someone said in the comments she charges 4k basically being an escort for one night so yea there’s that
@@Conssumed Thats what "life coach" means, i have a job, but im not going to REALLY tell you what it is.
Bro she put $16k+ down for a 2019 RAV 4 & still owes $30k 😱🤦🏾♂️ Bro you can get a 2021 RAV 4 for about $21k-$24k & that’s on ones with low mileage between 20k-40k miles. This is outrageous, the whole video is completely outrageous 🤦🏾♂️😭 … & She had the nerve to say she did her research on cars & prices beforehand. I don’t care what was going on 3 months ago, it was absolutely nothing to make that car worth $47,000+ in payments
Spiritual coach....💆🏾♂️
She just needs to put "Do not get audited" on her vision board and she'll be fine.
Yikes 🤣
lmao epic
Dunked on
😂😂😂😂😂
IRS has entered the chat
I'm so glad he told people to leave her alone about her laughing. A lot of people don't seem to understand laughing when stressed is a coping mechanism. So thank you for that. I hope she got a lot out of this I know I did.
Everyone gets mad at me for laughing in very serious and stressful situations and conversations. I try not to because it is somewhat disrespectful but I cant help it so yes I agree that he said that to be very helpful.
@@amalieshelby same, and it's sucks so much since so many take it as not taking the situation seriously. So nowadays unless I know the people around me I do try and hold back any laughter
@@amalieshelby literally there’s been moments where I almost fall to my death or get in a very dangerous situations and I literally laugh… it’s not intentional it’s almost like I can’t stop and I start hyperventilating 😭
Haah she is a clown
Yeah I do this too. It Kind of annoys me because I often am perceived as Happy and content when I am in distress. In other instances it Has Served me Well though because when I am almost crapping my pants in an exam or at my boss, smiling makes people Like you...
Yes. BONUS EPISODE ON SHOPPING TRIP!
great ep congrats on over 3 milli views on this vid
This channel is gonna be at a million subs before you know it. Long-form financial audits are a nice pivot from Dave Ramsey style where he only spends a couple minutes on the phone with each person. You really get to know the person and understand their psychology/thought process in a longer format like this. And Caleb is a great host. Keep it up the great work!
I enjoy the long form audits as well.
Thank you!
@@CalebHammer love u
@@mrbean7888 what a local liberal. Liberals are stupid why do you even watch financial advice with those commys
This 100%
Keep it coming!
Discovered this show yesterday and it makes me feel WAY better about my own spending habits, but also has lit a fire under my ass regarding getting my own financial ducks in a row
Same here
Depending in how old you are that should have been on your list a long time ago. As it takes time to build real useful wealth not just time for money. But glad your thinking about it sooner than later.
@@santoscarrillo2996 should have done it much earlier, yeah. But thank you. I'm hopefully starting a job with much better pay here soon and intend to focus solely on setting myself up for success financially
ditto
lol right? Jeezus
It's gotta be hard to confront these issues with the public watching. Hopefully people are learning from the conversations and thanks to the guests for coming on.
Yes, shopping trip!
If she was actually living in a mindset of "abundance" then she would understand that true affluence is financial freedom, not negligent spending.
And the true end goal of actual "abundance mindset" is ultimately giving not accumulation. The basis is about living a life full of option... being in debt is the polar opposite. Also the principle of choosing win-win situations. Not trying to be a jerk but she knows the words but she doesn't know what they mean.
She wants the image of having abundance before actually having it.
Totally Insta vibes on this woman…. You know her feed is full of the usual Insta chick lifestyle….
But KATTTTTT IT FEELS GOOD 😂 debt feels good
Sadly, most coaches and gurus preach abundance mindset so they can get you to justify spending money on their products. If they tell you to be frugal and save cash it would cost them money. That’s where the money is shilling courses and uses others people’s money etc
Abundance isn’t about consuming and spending money, it’s about appreciating what you have.
Unfortunately a lot of predatory “life coach coaches” teach this wrong to get students to swipe their cards and also make 40k months
@@mrscassandrasolano life coaches are people who fucked their life and THINK they have sorted their shit out..
Its literally how you get the thought "i could be a life coach"...
Its one of the BIGGEST red flags. GUARANTEED shes got WILD life and mental problems.
While I think his approach has a lot of problems, this is one of the things I like about the finance guru Ramit Sethi. The dude argues that being rich isn't about how much money you have, it is about how you want to spend your life. If you are spending your life in a way that makes you happy, you are richer than a billionaire who is miserable.
That’s very true
"Abundance is appreciating what you have" No, no it isn't. 🤦🏻♂
It’s been a year and a half. I think it would be super interesting to get an update on this girl
Yes!!
Same here… because this chick wont stop laughing- my bet is that she didn't learn a damn thing.
@@cairnlaeshe was just stressed af, she wants to live lavishly and not work for it she's spoiled as hell. She's laughing so she doesn't have to engage the conversation seriously because she knows she won't like being told she needs to stop pretending to be fancy on instagram and be normal for once
@@khalilrahme5227 I sincerely hope that you are simply building on my statement and not trying to mansplain to me right now. 🤔🤪
@@cairnlae Yes, I was building on your statement
"It is on my vision board to have all my debts cleared." Video title right there
i actually envy her for her ignorance
imagine just not worrying about anything
Ignorance is bliss, after all. But this is gonna catch up to her very soon
her not realizing she would owe around $20,000 on her $80,000 gave me and aneurism
Did you not hear?? It's on her vision board..
😂
How has she made it this far in life and is still breathing and walking at the same time? 🤣🤣🤣🤣
You sir are gold! When you asked her to consider if she is the right person to be coaching and giving life advice .... SAVAGE DUDE... hats off for telling her the truth 👍
Life advice might be related to helping clients “release” their “negative emotions” 😂 all jokes aside I’m guessing she might be an excort
@@yvnerservius1913 nah you can tell by her hat and earrings she’s a spiritual coach
@@yvnerservius1913 Yeah she looks used up like one 27 going on 37
@@shepsean1 for real, she screams dream catchers, essential oils and crystals 😂
@@yvnerservius1913 didn't think of it till I read your comment. This is exactly what she's doing. She knows nothing about "spiritual coaching."
I love this guy! Everything he is saying is going to help her if she just grasps what he is saying. I would love a follow up video and heck I think that shopping video would wake her up 💯
I’d love to see a follow-up on her. Not sure if it has been done already, but if not, please have her back!!
You have to admit that she’s kind of brave for sticking this through and being honest. She’s getting absolutely roasted. It’s commendable.
That’s if you believe she’s being honest.
She really didn't fully buy into Caleb's plan. What is commendable?
this the type of person that wants to raise taxes and get more social programs and then not pay their fair share in taxes.
Simp
@@Oo27254 The first red flag for me was when she said shes spending $30 on health insurance a month. There is no way, as a self employed person, she is only paying $30 a month. More than likely she has no health insurance at all.
These episodes always make me feel a lot better about my slowly growing savings account with 3K in it right now and my 2K smart saver certificate hanging out in the background, but I also just paid off my credit card and am two payments away from paying off a loan and being debt free. With a 45K salary. I'm pretty proud of myself.
Give me some money 😂
You should be! That's a great start
Well done 😍 I've had a really tough time recently because I was being over-taxed (common UK issue when changing jobs mid tax year, but you get it all back eventually) but I'm finally being taxed right and seeing my eaten-away savings go up just £100 from what it started at was such a relief. It seems so small, but to go from eating away at it to seeing it grow just that little bit is amazing 🤩 but through all that tough time since Jan, I am so proud of how I managed what little I did have.
Well done, us. We've done well ✌🏻
Keep at it.
I'm proud of you too! That's awesome!
This woman pays $2100 a month for rent. That’s $25,200 a year for rent.
Unfortunately this is normal in Australia
I keep coming back to this vid because it always cracks me up. 😂😅
Please schedule a 6 month update with her. It might keep her accountable and then people would get to see the outcome; good or bad.
She will be in much much worse debt in 6 months. She likes her lifestyle and if she is almost 30 she is not going to learn. She was lying about her income.
If she’s honest about her income, I don’t think she’s completely screwed if she’s willing to budget and track expenses. I think the 2/10 score is a bit harsh considering her income and the potential ability to earn more.
However I doubt any of this resonated with her. She kind of had a glaze over her eyes throughout. I hope I’m wrong though
No way she’s doing the things Caleb told her to do.
I believe she won't recover from the debts - you can see how reluctant she is during the whole video
@@vonakenyon7981 She may or may not be lying about her income, but I am absolutely certain she has no idea what she earns for real. It also sounds like she is paying almost nothing in taxes. I'd love to see a six month update and hopefully she can get it pulled together.
To be straight up, a shopping trip would be a fun episode to watch.
I feel like it would be beneficial for a lot of people too see what is possible.
True! I spend far less, cook less, and eat more healthy food than most people around me.
Stir fry (light oil), rice, soup, oatmeal, potatoes, salads...
These are the kinds of things you can prepare quickly or meal prep huge amounts of, and they all taste pretty good and are good for you when balanced!
I eat plant-based and try to follow a healthy lifestyle as well. People often comment that eating this way is expensive or elitist. it can be very expensive if you buy a lot of specialty products. But actually, dry beans, whole grains, and in-season on-sale produce is cheap AF. And it is the healthiest diet for the people and the planet. She can easily spend way less than $500 per month for her alone to eat an extremely healthy diet.
Sadly many people weren't taught the basics of life like how to navigate a grocery store and not get duped. Poor people are experts and you learn real quick.
@@kristinemclain3782have you done any research on how bad it would be for the planet if we all went vegan?
To avoid the temptation of taking from your savings account set aside for taxes, you can make estimated payments. Now that means you're giving money early and forgoing any interest you'd be getting but it's better than not having the money at tax filing time.
Looking back this one is a classic
The life coach who doesn't have her own life together! 😅 this is such a theme
LOL oof
Always ! Same with therapists that are mentally ill
@@krassimirpetrov7131eing mentally unwell isn’t the problem, rather not managing it effectively. You want someone who is empathetic and compassionate - but no-one has to be perfect. There are overweight doctors, broke financial advisors / accountants / economists etc. The science still works and the goal in life is being the best version of yourself but no-one is perfect most of us are a work in progress! Even if someone looks out together be wary. Good luck :)
I know a financial advisor that is the same way.
I think she's a call girl and thats her cover
When I was 21 I heard this saying “Don’t spend your 30s cleaning up your 20s.” That stuck with me and at 21, I turned my life around and stopped making terrible financial decisions. It’s not easy but it was worth it.
Gosh that's a great saying (also don't spend your 30s regretting what you didn't do at your 20s, but these aren't mutual exclusive)
It took me until I was 24 I’m 25 now and on my way up
Good for you took me till 27.
Man. I wish I’d have heard this before 😂
The time to have fun is in your 30’s. You can afford it.
Revisiting after Caleb hit 1mil ❤
We NEED a bonus episode of your guys going on a shopping trip 🙏🙏🙏😂
I really feel for her. She seemed so excited at first and as Caleb talked, she became more and more closed off. His plan for her is amazing and I really love that she could get debt-free in six months, especially Caleb‘s idea to sell off her stocks and use it to pay off her credit card. I really hope she takes a minute to reflect and takes his advice.
unfortunately i agree with caleb and am not very optimistic about this woman. she seems quite lazy. lazy to work: only around 5 hours a day. despite that lazy to cook: gets take out all of the time. financially irresponsible because she’s lazy to educate herself. lazy to fully think about and process caleb’s advice as shown when her immediate response is to increase her income, which will likely lead her to inflate her lifestyle even further and never get herself out of debt. the consequences of always looking for the easy shortcut in life…
She agreed to be on the show because "I get to be in a TH-cam video!" She's adorable and seems like a genuinely sweet person, but she's also got a strong but subtle attention-seeking vibe about her.
Unfortunately this video is about entertainment, not about life advice. I really do hope she's doing better though, this was brutal. At the least it sounds like she learned a ton about how little she understands finances and car buying, which are very important lessons to learn
She wont.
@@sp3ci4lkpo lmao subtle
I've always wondered how these people who are preaching the "abundance mindset" are really doing. Her life probably looks inspiring to her followers on Instagram. Thanks for showing this!
That’s what it is. Smoke and mirrors for social media and living way, way, way above their means just for clout
Yeah these people need to understand that “abundance” doesn’t mean they can use credit cards to buy whatever they want and “manifest” a good life that way
There are other ways of being abundant besides money. However, her financial situation is clearly opposite. She makes good money, but spends even more than she has. As long as her income is sustainable she should be able to crawl out of this crater of debt rather quickly assuming she's willing to sacrifice all the Starbucks and eating out
That she agreed to do the show and be honest about her financial situation doesn't indicate that.
Usually they are "Trustifarians" - Rastafarian lifestyle with trust fund backing.
Paying off debt is always a better investment than any investment....
Great episode!
I have alot of respect for this gal to expose all her dirty finance secrets on a TH-cam channel and not ball her eyes out. Some people have said she's not taking accountability, but I can see the sadness and fear in her eyes as he speaks. We all have problems that are so painful to face that we just keep burying ourselves further into the sand. I hope for her sake she can make some major changes and begin to feel a sense of pride in her accomplishments. Also props to Caleb for having the strength to tell her like it is. Someone who cares about your success will have the guts to speak hard truths.
Well put.
YO MAD RESPECT FOR THE GAL,THANK YOU FOR SITTING THROUGH THIS FOR US 🙏!!!
Big Facts
we all die, im here for a good time not a long time. money isnt real and neither is debt
Sadness and fear or Xanax and some sort of qualuude?
I can’t imagine being this vulnerable publicly. Kudos to everyone involved with this channel. It’s really good content.
It's called reality
It's been a month. 56:06 Bitcoin went up during feb, the month after this video. but then now 11 march its lower then when this video was released
@@PremiumUserUltra Her situation is reality. A person volunteering to be exposed is not a reality for everyone. That's why the person posting this comment gave kudos.
Vulnerable about having 4,000 bucks
I assume they get paid for this, or its free because he's recording it for TH-cam so it helps them both.
I’m sorry why is their answer always “hmmmm” “mmmmmm” give and take that’s how conversation works!!!
Caleb knocked the spirit out of her🤣