@@CurlyWolf_are they super difficult? I’ve thought of getting one, but my foray into indoor plants is just starting. I got me a money tree, a monstera, and a bird of paradise so far. I’d like a fiddle leaf fig and a rubber tree at some point.
I think they should be for ppl who are trying and hit bad times. I know so many ppl who work under the table and have their bc/gf live with them and get food stamps and other benefits to game the system
Better she gets it than ppl that game the system. Work under the table and have roommates while living in affordable housing getting food stamps and other free shit
@@bodybonghave you ever been on food stamps before? What i've heard from other people on it, the stamps are like a bandaid on a gun-shot wound. You'll still be struggling, but maybe a little less than without them
@@kristelbrok998 my best friend in college didn't work, and her boyfriend worked full time and make 70k. Had a lovely 2b/2b apartment and all. they were on food stamps because she gamed the system and got $600 a month for it. So...
This episode was wild. She lacks accountability and discipline. She wants food stamps and affordable housing but is literally spending any extra on the club and other crap. SMH
Dummy air heads.. austin IS DIRT CHEAP compared to l.a.. period.. 900 for a whole studio vs. 2100 for a studio in l.a. The pay in L.A. is only 25% higher than austin.. so technically, in Austin, I could make my money go further. Even if income in Austin would be 50 percent less, it's still more affordable. This is just insane. I might just move to Austin & show how it's done.
Oh it totally is. Years ago our landlord refused to fix the gaping holes in the roof of our apartment because he said he couldn’t afford it. He figured out he was wrong after we withheld rent for six months and then we used the money to put a down payment on a house. We settled up with him months later for next to nothing because the place was still unfixed and unrentable. Absolutely lovely apartment with sweeping views of water, and he just let it rot. He had inherited the building. What a waste.
@@ImAussieMateread his message. He said he first stopped paying rent after the landlord said he couldn't afford to fix his property. If i was in that situation i wouldn't pay rent for a place that won't even keep me dry even though the rent agreement was i had a place where i could keep dry and sheltered. Learn to read before you come in with such a dumbass comment.
How does she think working fast food and retail are beneath her but asking for food stamps she doesn't deserve isn't? Weird sense of entitlement she has.
@@nineteenfortyeight6762 i understand that she said she’s not eligible or that she wasn’t entirely sure. Idk anything about eligibility but if someone can’t afford to feed their child I don’t see why they can’t get food stamps
@@cocomalonee You shouldn't get food stamps if the reason you can't afford to feed your kids is because you're not spending the money you have properly.
10K worth of credit card debt is officially paid off this month!!! Alongside getting rid of my BMW M3 with a balance of 60k thats 70k of debt gone in 3 months. The following 4 months I'll pay off 30k to be completely debt free. All thanks to this show, thank you CALEB for opening my eyes. Keep doing good work brother
Good work bro. I swear the temptation of buying a nice car is so high, but it just isn’t worth it with debt. Funny thing is, it’s not even worth it with cash either unless the car value is like 10% or less of your income. I used to own 60k in vehicles on 80k income. Now I own 20k in vehicles on income that’s 3x what it used to be.
People like this make me look over at my wife and sing to the sky with joy. She manages finances well and always consults with me to keep me in the loop so we can budget properly. Things are going really well.
If she had called Dave Ramsey, she would’ve been yelled at even louder. He would’ve advised her to sell her house, sell her car, sell her furniture, deliver pizza, not go to law school, and eat nothing but rice & beans
Yeah he really has that "boomer" answer to a lot for calls, it's weird bc it's sometimes the most obvious plan, but his way about it just rubs me the wrong way.
@@Dr.ZoidbergPhDNothing you said even begins to make sense. If he's right, he's right. WTF is a "Boomer answer?" What does it matter if you're "rubbed the wrong way?" God, y'all are a lot of whiny 🐈 🤡
1:00:05 hi, I’m a therapist. Here’s a rule about self-care that I tell all my clients. There’s nothing wrong with “a little treat” as a form of _reactive_ self-care (today was extra awful or my boss yelled at me so I’m going to get some ice cream) IF you are also engaging in regular _proactive_ self-care (therapy, journaling, physical activity, health care, clean home, etc). My rule of thumb for good, long-term, impactful self-care: It shouldn’t be easy. You won’t always want to do it. You will sometimes have to muster up every ounce of energy you have left after a 12 hour shift or a rough week to clean your room or write in a journal or go for a run. But if it’s good self-care, you will feel good after and you’ll be proud of yourself for having done it.
I’ve been working out 2-3 times a week, and a couple days, as I’m just starting, were really difficult. It felt like moving a mountain. But I knew it’d be good for me, so I did it, and I honestly felt great about getting over that hurdle
Thank you for this comment! I’ve been trying to find ways to make more money without missing more time with my kids then I already do. Im drafting a Facebook post now!
The extremely obvious answer to literally all her problems are to sell the house, settle all debts, and use the large amount of remaining equity to either make a down payment on a new house and/or pay for school.
It's such a bad decision on multiple levels as now she's not eligible for a FHA loan. And that's the way a lot of people get into a house since you only need at least 3.5% down instead of 20%.
To be fair I was wondering why we never saw a gold digger on the show with how often he managed being single and having no luck with women (not saying she is one!!)
Right 😂 And they were probably joking because they just couldn’t take it anymore and gave up. I remember I used to say that to my ex because she wouldn’t give up until she won 😂
She’s not even a paralegal you need a bachelors and a year of work experience before you can apply. Anyone can be a lawyer but she wouldn’t be a good one and she would go into debt at a low level law school not paying her back.
Caleb talks about the house she owns, then he asked about whether she has saved for taxes. My immediate thought was PROPERTY TAXES, but her comment was “I broke even”, meaning federal taxes (Texas does not have income tax). But it’s obvious she shouldn’t be a landlord either if she is spending ‘rental income’ and not paying taxes.
one of the reasons bar associations won’t license you is a history of bad debts and financial trouble. it gives you a higher chance of stealing and misusing client funds. she’s actively ruining any chance she might have had to become a lawyer
I'm a lawyer in Texas. I have never heard of someone being rejected from the bar for financial reasons. I also don’t know how the bar would even find out as they didn't ask for any financial information when I applied.
@@JeanValjean875 they did for me and my entire law school graduating class so idk what to tell you but they specifically asked about any history of debt not including student loans
Lmfao you think people goto small claims court for a measly couple grand? Thats not how it works. There's a reason all tenants have bullshit charges to keep the deposits. Made up or exaggerated cleaning fees, repair fees, etc. No ones going to small claims for that amount of money.
Caleb you are such a good guy and this girl is literally trying to manipulate everyone into seeing her as a victim. You’re a mother! Please take accountability and prioritize your child
@@tatianabritton6258 these people are crazy making fun of the woman crying about her mother’s passing. She was 17 too! Probably when girls need their mother’s the most! Crazy as* people.
I can't believe she actually publicly complained about not getting government assistance when she owns a house that she rents out. Very detached from reality 😳😳
She starts her Trauma Dump by using her kid as an excuse. Its so weird man, they should be your motivation to get out of this shit, not the excuse you use to stay in it.
Dude, I do rental property, and I have had similar conversations with young single parents. One lady had three children. She received lots of child support, and she worked two jobs. I tried to help her buy a house, but my mortgage broker friend told me that no legitimate bank was going to loan her any money. She failed to tell me that her credit score was about as low as it could get. She was overextended on credit, and she bought a new car EVERY YEAR. It was hopeless, and then her on-again-off-again boyfriend got arrested. Then, her ex-husband sued for and won full custody of their children (i.e., no more child support). Such a freaking mess. She moved out at some point, but she still calls me at least twice a year to ask for advice. There is more hope for another tenant who recently got a great new job. I am encouraging her to start a 529 for her son and open a Roth IRA. She is always behind on her rent, and I think she parties too much. She could get it together financially, but first she needs to focus on what is truly important.
@@jessddj doesn’t matter the truth is she could be in a way better situation but she being neglectful of her responsibilities. This is self inflicted laid off or not
Please bring back the total debt counter in the bottom right hand corner! I watch these while I work and the fire sound effect was a little cue for me to check in on where the episode is at. I miss it 🥲
As a childcare worker, PLEASE do not recommend coming late. Centres close when they close and its $1 per MINUTE due in cash upon pickup most places, and doing it often WILL get you kicked out. You can also get CPS called on you for child abandonment (we have to call the cops after 1 hour at my centre)
Is there no leniency at these places? If a parent gets off work at 5 and the centre closes at 5, why can't they let the staff know and just pay the fee each time? If CPS did get called because of being 10 min late frequently, the investigation would show they are working and fighting traffic to get there. I just don't see how that's a problem if the parent let's you know.
@goeblincitycosplay yeah, so punish parents already needing government assistance to watch their kids. No one drafted these people to work at daycare facilities. They can find another job if staying 10 minutes later for a child and family well-being is a problem. Honestly, I'm unsure why someone with that mentality would even work somewhere like that.
@@BooserBoi A daycare is not your mom. It is a business and the minimum wage workers need to be able to get to the places they need to be on time, too. What she needs to do is find a place that has later hours to accommodate her schedule.
@@CalebHammerYour channel lit a fire under my ass last year, I was missing Payments. Now March is my last CC payment, after that my only debt is a 4% student loan.
When I became single with 2 kids and no child support I did a paper route midnight to 5am and then taught school from 7-4. On the weekends I worked at a gas station. In the summer I replaced the school job with a daycare job..we didn't eat out we didn't do ANYTHING that wasn't free. I wrapped birthday and Christmas presents in Sunday comics. We at hotdogs, pancakes and hamburger helper for every meal. I didn't have a cell phone until I graduated nursing school in 2015. Stop making excuses and take care of your shit!
And you’re also a wonderful parent and your kids will love you and thank you later. As someone who had a single dad who works all the time. Splurged when it was available and bought hamburger helper when needed and refused to eat when it was super tight. I appreciate my dad a fuck ton because of it.
I feel like this woman thinks she’s being really cute and adorable when she giggles and says Caleb but this was probably the most mind boggling and infuriating episode I’ve ever watched. A $1,000 credit card payment on a $50k salary is INSANE.
The “Yes, Caleb” faux submissive type of response is a weakness for some men, ie: her “friend” who spontaneously gives her 20$ for her and her child to eat. In short she does it because at least some of the time it works.
Because she thinks someone is going to come "save" her. The government, a man, etc. She takes no personal responsibility for anything. I feel sorry for her child.
I'm a single dad and work 5am to 4pm and cook and clean. it's rough but I made the child and a child is work. I cook at home all but once every two weeks. My wants are secondary.
A child is not work, you sound like a privileged nd ignorant woman who say things like have a child is the hardest job. No, a child is not work nor is it the hardest; a child is a blessing, privilege, and a responsibility. Man up, also it takes two to create a child. YOU! Didn't make anything you helped create a child.
"I wanted a perfume and it was cheap." "Go roll around in some grass and flowers!" I'm going to use this one with my wife. Will report back with results.
People very much do not understand what "writing off" expenses means. It doesn't make it free. it reduces your taxable income. So, if you write $10k off and your taxable salary is $110k it would be reduced by that write off to $100k and your annual income taxes (if we're doing a simple calculation) goes from $19,442.50 to $17,053 (a reduction of only $2,389) and it's only really that high because i accidentally chose salaries that cross brackets. Bottom line is that, if you are writing off a $10k expense, that does NOT mean you get $10k back. You get a percentage back in reduced taxable liability.
Right. And the percentage is the person's marginal tax rate. So, if she's at a 24% marginal tax rate, and writes off a $10k expense, she's saving $2,400.
Caleb’s point about parents making sacrifices to free their children from the burden of having to care for them in old age is such a driver for me. I became a mom at 21 and have worked as hard as I can to never be a liability to them.
Thank God you take accountability. This woman here makes it seem like she got pregnant as if it was COVID. You get pregnant, you take responsibility for your actions.
@@pabloescobarschanclascause they want to have a fall for the new feminist bs trap of being free with your body and ignoring the consequences of the dirty. I am not going to shame or be like why the hell bro. What is important is she took accountability and grew up and took care of it. She made the mistake of having a kid and is now making up for it and put herself last which is what she is going to have to do for the rest of her life now. Well until 18 if she wants her child to be in debt and kicks them out lol.
Just putting it out there, the fact that a church is actually PAYING HER to work in the nursery on Sundays is HUUUUGE. (Usually churches rely on volunteers and often there's not enough and people can get burnt out) That is very rare in churches and is a good opportunity for her to work more. Can she do evening services? Mid-week childcare for bible study groups? Will they pay her to work camps? Admin in the office? Are there any other jobs she can do at the church and bring her son along? Just some thoughts & ideas on the income aspect!
@@pinkisforpimpsfinancial literacy has nothing to do with her parenting/child-handling-skills 😅 i have no debt, and am pretty responsible financially, but i have no clue how to take care of kids
She was out of work for six months and couldn’t pay her credit card bill for two months and drained her savings. Oh but she got one months severance and was paid at an internship for one month. And she used her savings so she was fine. So many stories with this one and they keep changing.
Title of the show be "single mom avoids accountability at all costs". What's sadder is you can tell all the advice Caleb gives will probably not be used. Based off all the sarcastic answers she gives back
She explained how a pipe burst and multiple appliances broke at her rental property, but she STILL doesn’t grasp why she needs to set monthly rent money from the property aside for….(gasp)future repairs. If she can’t connect those dots, good luck with law school.
She also hasn't figured out that if you're broke you don't buy new. I moved into my house around 7 years ago and bought my first new appliance last year. I got my dryer second hand when I moved in and it's still running. I've had several washing machines and a couple of dishwashers but when you're paying £50 a time you could buy a replacement every year without breaking the bank.
@Draggonny of all the furniture in our apartment, the coffee table and couch were bought for less than $100 on fb marketplace. The rest is just random hand-me-down type stuff people were gonna throw away. I can not fathom going thousands into debt for furniture. Like, it's a freakin couch, I sit on it, works great. These people have no grasp of what a "need" is.
@@DraggonnyI remember my first flat, pretty much everything 'big' was hand me downs from various people. As for the rest £500 at IKEA did the job. I left home at 19, I'm 39 now and I only bought my first new sofa a couple of years ago. First one was free, 2nd I paid £50 for and latest 10 years (best sofa ever).
I couldn't imagine coming on a program like this, where someone is literally giving you all the solutions, and all you're worried about is how people online will judge you based on your choices....the past and people's opinions don't matter....you building towards a better future does
When the entire premise of the show is "I effed up and got myself into a situation I can't figure my way out of. Please help me?" they should be already resigned to the fact they dun goofed.
People who are struggling.... grocery shopping at Target is wild. If I have no income coming in and I am using savings. I am buying the store brand of the cheapest store. I am not getting my nails, eyebrows or hair done. Peoples priorities are wacko
Blame social media! It’s making people think all these superficial things are extremely important. We all participated in this mess our society is in! We need to shut down all social media apps and go back to just being normal people again.
@@jennifercurtis8229 agreed we all played a hand in the beginning but smart people didnt let it consume them. Definitely time to turn it off more often
I live in New Zealand and we only have three groceries stores and food is expensive. You guys in usa have several options. I don't understand why you don't do cheapest places. I would dream for that option.😊
I feel like Caleb keeps asking why people laugh and like 99% of the time it’s a coping mechanism for an awkward situation or someone being uncomfortable
While it's true that is usually the reason people are laughing, it'd be more irresponsible for him to not ask and then the audience draw their own conclusions and potentially assume it's because they don't care. He asks so they can give their own reasoning.
Yeah I never understand this and he literally made a goofy af voice and then said wHy aRe YoU LauGHing 😂😂 Caleb likes the joke on the show one second then the next he gets so serious 🤓☝️
I swear all of these people who are broke are driving 2019 or newer cars. Absolutely insane. Buy a $6000 car, put $1k/year into it, and drive it into the ground. Significantly cheaper than $500+/mo payments and in the long run you'll lose less money versus the always depreciating value of a $30k economy car.
Absolutely. I have a good amount of savings and drive a 2015 that I paid for in cash. I don’t understand why all of the guests have new cars with insane monthly payments!
@@AlyssaBird4 Selection bias is probably a part of it: they're guests *because* they're the people who take on insane monthly payments that they can't afford.
@@donaldcedar7574 in her situation renting and owning is a huge mistake she is not benefiting from the home and the cash flow is not worth the risk. $500 can be made at a part time job without having to deal with tenants. If the home were paid off yes definitely do not sell the income would be $1,500 from the home.
Caleb should stay clear! That “friend” who sends her money to go out to eat because they “feel” bad for her and son is definitely sounding like her romantic friend, or a friend with benefits in exchange for money 🤮.
Her “friend” obviously doesn’t have money like that and he’s a simp. What I can’t get my head wrapped around is how she’ was single with an infant? She was definitely eyeing our boy but he was upset so thank god he saw past the bullshit.
@@epicambient that's true but in her case it's daycare for student's kids. That existed in my college too and it is subsidized by the university so until they change the price on her/kick the kid out for graduating I don't think she'll have a problem
Right?! I’m honestly feeling inspired and informed right now (this is my third video in a row). He would absolutely COOK me if he looked at my finances (rightfully so, but also maybe not THAT bad).
@@2k7duramax Man, good thing I'm working from home right now because otherwise coworkers would be asking why I suddenly started laughing like an idiot... anyway nice one!
My church teaches more than abstinence. They tell the kids preferably in meaningful relationships because it's safer and better, but either way, use protection bc STDs & don't bring a kid into your decisions. They also teach healthy relationships. You'd be surprised how well teaching them to have higher expectations of their partner works to keep them from bangin. Esp the girls will flat out say he doesn't even wash himself properly, nope. Or he's rude and ghosts me for non-stop video games, nope. And they don't tolerate verbal or emotional abuse from partners anymore.
It is interesting to me, how different people observe situations. She already was laid off and had debt and would still buy furniture and go out. She seems to not want to pay it off, but hoping for someone else to feel bad for her and pay it for her, when it is her own fault she is in this position in the first place. I lived in my new apartment for 8 months without a fridge and for 4 months I slept on the ground without a bed and mattress in order to save money. And here she is asking for food stamps and is in debt, when she even owns a house, she could have sold or lived in.
Yeah thats what happen with my wife now, she has debt that already 10x of her monthly salary and able to think she deserves to have the brand new phone worth 4x times her salary. Meanwhile i scrap every penny and paid all the rent, groceries and electric bill by myself with only $30 left just to barely not become a homeless. Can't take it anymore now and divorce is the only answers for me.
@@Achirrusanthat's awful. I am so sorry you're going through this. You deserve so much better. Everyone deserves an equal partner in life. You're supposed to have each other to lean on, not one person dumping everything on the other 😔
Agreed; so many episodes that I just need to turn off 5 minutes in, because I physically cannot handle the cringe and secondhand embarrassment 😭 So painful seeing them argue and justify every horrible decision. Wasting everyone’s time
@@Vampirita447lol Yes it was shameful for her to flirt in this situation. He’s literally trying to help her get her life together and she’s acting like it’s a coffee date.
the toxic roommate thing was tough to listen to bc I don’t think she was rooming with that lady in the toxic relationship. That lady needed her apartment back. That’s all lol
Literally lol but @ the: “Where are me and my son gonna live??” Idk, where were you before? Would you let her live with you if this was your apartment first?
It's Gen Z and older people who are either lazy/unmotivated/uninterested in cooking. I'm not world travel, but I explored recipes from Mexico, China, Indonesia, Japan, France, Morocco, Italy, and India. I bought bulk spices, bought farmer's market produce, bulk 25lbs of Jasmine Rice, sauced from the Asian market, and certain vegetables from Asian markets. I started cooking like this not even 5 years ago, and my food budget is $300/month.
$20 bucks is 5 days of meals from the store vs maybe 1 low end restaurant visit. Its a super easy choice. Check out Jack Ovens, I love his recipes for meal prep
She said something like "I'll just say 'my friend.'" There's something else going on there. That's her ex or she sent feet pics or random cashapp on Twitter or /something/ unusual
A pot of rice and beans chicken legs and any can vegetables for lunch/dinner Morning scrambled eggs and potatoes or Winnie’s you gotta sacrifice for a couple months
She probably has a sugar daddy (says Friends give her $20 here and there to go eat). I'm sure she gives out "favors" for this fun money and thought she could add Caleb to the roster
Fr!! Like girl is a single mom with no savings, buying a car half her income, getting new furniture, AND missing payments?! I would’ve been interrupting her too- all excuses
I personally cannot imagine ever buying a vehicle that I had to finance and pay over YEARS. It’s a deprictating asset and the idea of paying for a deprecating asset over 4-6 years is insane
I get it in theory but I've never done it. If you need a car to get to work and you cannot afford several thousand units of currency in one hit, a car loan makes sense. What doesn't make sense is people buying cars on finance that aren't the bare minimum cost to do the thing you need to do. Caleb is right about getting a 10k car, paying as much as possible up front and paying the rest on the lowest interest loan you can get approved for. Buy a nicer vehicle once you have disposable income to treat yourself with. After you've handled all your financial responsibilities including pension savings and an emergency fund.
@@Draggonny 2020-2021 ish I bought a car for 800$ and it ran. I still drive it today and I’ve had to do my own work to it but it took me 23k no issues. When I broke it I walked to work and fixed it. The idea of needing thousands for an operating car is ridiculous. I personally think there are very few excuses to be in a car loan when you make next to nothing.
@@henryjohnson1126 There are workplaces that do not allow pedestrians on site. They're not common and I've never worked at one because I don't drive. But I remember when I first started job hunting how many employers said own transport is essential.
@@Draggonnythe car market is crazy. It was CHEAPER for me to buy a NEW car in 2022 than to buy a used one of the same model a year older. My insurance also isn’t that bad because I know how to drive lol.
There’s nothing wrong with taking 4-6 years to fully pay off a car. That’s actually fairly common. The most important factor is if the person can genuinely afford the car note.
girl you're a single mother in debt. do NOT go to law school. being a lawyer isn't as glamorous as they make it seem. you won't be making anything if you can't dedicate your life to the job.
As someone who went to law school- there were plenty of parents in my class (including single parents and people who had children during their degree). They all are making law careers work alongside their family needs. That said, it takes a heck of a lot of planning, support, and sacrifice to do. It can be right for some people, but probably isn’t right for this person in her current circumstances. Things may change (especially in a few years when her son is in school or if she is able to cash flow it) that will make it a good decision.
@@ashleyw3326 happy for them! law school is really tough. unfortunately, I see that as a rare case especially in 2023-2024. they think when they become a lawyer, they'll be making a ton of money right off the bat which isn't the case. and the hours are awful. it's definitely achievable but there are so many other careers that would be better for her. it's not always about the money.
Stupid comment. Everyone has something going on in life and most people going into law school have debt (from getting their bachelor’s degree in the first place). So based on your rules (whoever you are) 80% of people in law school should NOT go to law school. So this comment is just really really dumb. No other remarks. Just dumb
Her excuses: 1. I won't live in my rental property 2. I won't leave my current job 3. I need a "reliable" car 4. Pretty much I'm not going to accept any changes you suggest
Got to protect that dignity? Hopefully the thought of being too good for the job will keep her warm if she ends up homeless. Seriously, this thinking amazes me. Not even hard physical labor; just can't tolerate the 'shame'.
It reminds me of someone else on this show who was saying something like “why get a full time job for like a hundred dollars a freaking week” and it was like… no? Where did you get $100 that is impossible even at minimum wage
I can't imagine having a house but moving around with my kid and being broke 😢 So much extra stress. I understand wanting to have an asset, but it seems your living situation comes first.
If you’re so “broke”, like her, then don’t blow your money on fancy dates and clubs and shopping at target. She makes more than families in that area… Problem fixed…
The fact she hasnt called unemployment every day to get her money is ridiculous. During covid i didnt get mine for 6months. SIX MONTHS! I was on the phone everyday at 730am to call them at 8am on the dot and still be in a que fir 2 hours. I had a baby in may of 2020 too. By the time i got my unemployment it was over 20k. I cant imagine not calling until they pay you. Like giiiirl come on.
It's a natural response to someone cutting you off from your excuses, how is that toxic? The excuses might be bad, but at least let her make them, and then you can rip them apart.
@@IAmebAdgerthe excuses *cough cough lies cough* would continue until he got tired and left her alone. They never end on their own. They loop around and get progressively more ridiculous.
Ughhh as a single mom im cringing. I work full time school full time and have no support from the father. 100% bills come first before eating out. It's exhausting draining stressful but take care of your bills and debt 😭
As a single dad who's had my kid literally every single night since he's been born. I literally went out to eat twice last year and still feel guilty about. It's not that hard to make a sandwich, or throw rice and beans etc into the instant pot
Typical Baby Mama. Spends hundreds at the club while unemployed and living on child support. Plays the victim and cries about not qualifying for welfare. Uses her baby as an excuse for her bad decisions. Flirts with anyone who gives her attention.
It boggles my mind how many people come on here, claiming they want advice and help, and proceed to push back on every point and passively claim they're not making a single bad decision. So many of them say they're open to change and that they agree with what Caleb is saying, but when confronted in the slightest they have endless explanations for why they couldn't do anything differently.
She was fake crying then in an instant, went to smiling when Caleb, someone who is helping her made a mistake. Then she keeps on it while going back to a neutral emotion. Psychopath
PLEASE, apply to a gym kids club position!! Most of the hours are after 5(when most people and kids are there), many gym managers have no issues letting your kids stay with you for free while you work for them, and a free membership! Also depending on managers you could likely do school work on the clock as well!
I used to work at a YMCA and they'd do free childcare while I worked. It paid very little but "stacked" with other jobs better than most. Something Caleb knows, or sure as heck should know, is that getting a job at a fast food restaurant is "greedy"- they want open schedule availability. But it does not pay well. They engineer their scheduling to prevent people from being able to get ahead. And trying to get off in time to pick a kid up from daycare? That's a recipe for getting CPS called on you.
My mom also has the same mindset. I was also raised in a single mother household and she use to “reward” herself with going out to eat. My sister and I of course had to come because we were kids but all these restaurants and outside “fun” never got her anywhere. I always saw her struggle and jumping into now, I am now 28 yrs old, married, pregnant, with a toddler and she and my stepdad have to live with me because there’s no way they can make it out on their own. But yet they still go out every weekend and have all these “rewards” and nothing to show for all these years. It isn’t fair for my husband and I but I can’t just leave her in the streets
You and your husband shouldn’t have to do that. Your responsibility is to your children and your family. You need to give them a deadline to get jobs and a place so they don’t put your kids in the same position as you bc of them.
She didn't want a job in retail or food services b/c of her inflated ego of being a paralegal, and her being in school for a degree... And worried about what her circle would say and/or think about her decision to survive...
As a 24-year-old, I was excited for someone my age to come on and see how we compare life-wise. It started out so strong with her taking notes but by the end... honestly I am so embarrassed. Trying to use government programs while owning a home, refusing to sell it, but saying it's in a bad area. The constant justification of going out to eat because her friend is bankrolling it, but easily going over the 20 dollars they're giving her. Yikes. I was really hoping she was going to be more mature.
I think you'll find plenty of 50 year olds who would react this way. I think its worth bearing in mind the format of the show, as it brings a similar reaction from a lot of guests - its a full-on fish-bowl... this video has 5,000 comments. For someone who doesn't spend their life in front of a camera that's pretty intimidating. Most people in that situation will not want to look silly, and so will look to justify their behaviour. They're also getting a 'tough time' from someone they don't know... another trigger for the vast majority of people. If this was in a quiet room with no viewers, I think much of this would be different.
@@edmanning274okay?? your point is kind of moot because these people APPLY to come on and talk to Caleb about finances, they know what this youtube show is. Also, the person making this comment said they were excited to compare someone THEIR OWN AGE, not a 50 year old.
@@chlxetaylor5358 whatever dude, I try to be understanding of people whether they’re older than me or not. I didn’t suggest it excuses her, I was going for understanding.
@@edmanning274 your initial comment reads as though you don’t watch the show though? like the entire argument is that anyone at any age can have extreme reactions when being filmed… my point is that they go into this experience knowing that it can be tough, triggering and that they could totally leave. im not saying we should hate people or not show them empathy but the point of this show is to help people struggling to gain some understanding of financial literacy and caleb even admits that he wishes people were as tough on him when he was struggling.
Is it me or did she go from flirting with him, to gaslighting, to just being rude, back to flirting….. idk.. it’s the middle of the night that I’m watching this
It's bc she's not a good person. She wants pats on the back and affirmation for her choices. She's very very priveleged and well off and her bad choices are catching up and biting her ass.
It seems like she doesn't want your help but just wants you to hear her out. She'll be in this spit for a long time if she doesn't make any changes. You're a patient soul Mr. Hammer
You can have a mental break without spending money out. For example: I saved up some points from my grocery store, waited for some of my favourite “splurges” to go on sale, and had a really awesome pizza night at home. I got pizza, ice cream, ginger ale, and chips. With my points I only spent $10 and I have enough to last me for tonight as well. I really needed the mental break and I think it’s okay as long as you stay in your budget! Which I did :)
Similar thing here, if I've had a rough day at work or something... I can just, for example, go to pizza pizza and Maxi and get a medium pizza and a 7oz bag of store brand chips... for under 10 USD. I pay in cash and don't have debt, but I wouldn't see myself spending much more in this way. And just like that I have enough food for a couple meals. I can have dinner and leftovers for the following day. I don't get how people justify spending 50 dollars they don't have on ONE food delivery because they "needed a break". Good luck affording those breaks at this rate...
@@RemixerDarken Go to Circle K and buy a medium soda for less than a dollar and some chips. Meat can be expensive in fast food so I just buy salmon scraps from the local grocery for REALLY cheap, toss it in the air frier with some soy sauce and random seasonings and done. I wouldn't even call it cooking.
Pizza night is a treat night too. Once every few months I do it and home cook and meal prep all other times. Simple pleasures!!! 🎉 actually bought my second coffee yesterday since Jan 2023 and got a free taquito. Can’t wait until Jan 2025!
Single mom with a full time job *and* doing school. That is tough in a society that pretty much requires two adults in a household working two full time jobs just to get by.
@@KidBowsursome parents are deadbeats* let's not place all the blame on dads/men. Women do the same stuff and both should equally be held accountable.
Am I missing something? The house is preventing her from getting more help she should probably sell it and cover all the debt she accumulated and get the help she needs
Who knows if she can sell it to break even on it. It'll get taxed since she didn't live in it and there are fees associated with selling the property. She's still young so I doubt she paid much of it off. She probably only paid 1.5 years of the mortgage, she would be in more debt by selling it. She just needs to raise the rent price.
@@gregutz4284Depends. Someone who charges credit cards like a wounded bull can't be trusted to sit on cash or stocks. She's turning her nose up at retail, yet she was working in customer service and is an unqualified paralegal now. Fiscally, yes, she's probably better off selling the house and buying and holding indexes. Realistically, if she had access to that liquidity, she would probably piss it away while being even pickier about jobs with no qualifications. The house is $700/month profit. I wouldn't touch it until/unless there's problems tenanting it. It's also easily worth twice that much in rent she doesn't have to pay off she were to live there.
@@KevinEF Yup, she'll get hit with a capital gains tax when she sells IF she makes a profit on the sale of her rental. This is a problem with people buying rentals....they don't understand the full scope of the potential tax implications of having a rental property until it's too late and they are knee deep in it.
I definitely understand her anxiety about anticipating negative comments, especially from people who have better finances or who "would never do something stupid". I think the fire's lit and no one is talking about how impressive it is that she bought a house at 21 and is creating another stream of income so young. I think if she follows Caleb's advice, she'll set herself up in a FANTASTIC position by or before 30. I'd love to see her return for a follow-up.
The House is screwing her. My guess is she inherited money from her Mom, put it for the down payment and leased it based on passive income advice from social media. She hasn't been able to afford it and is taking out loans to upkeep it. She couldn't get food stamps because of it or any assistance when shee needed it.. She's house poor without even living in it.
I agree. She deserves A LOT of credit for that!!!! And it's cashflowing!!! And the girl lost her mom 7 years prior to this 😢😭 SHE IS A WINNNNNNNER. SHE just needs a mentality change. No more clubbing, drinking, partying. She will be a wonderful wife if she applies her mental fortitude to learning helpmeet/being a Godly wife. She has a lot of hope and potential. She just has to become a frugal woman, Proverbs 31, and before she is 30 she will be FARRRRR ahead of so many others her age. She's a great girl. I'm saying this as a 37 year old wife with three kids back to back who is a Bigger Pockets fan, no debt and working on Baby step #3 of the Dave Ramsey plan
while raising a child as a single mom, working on her bachelor's, and now working two jobs! she's honestly amazing as i cannot even imagine how hard all of this must be especially due to the loss of her own mother, the pandemic and measures against it like lockdowns, and the rising cost of living across the world. you're absolutely right, as is the comment which responded to yours; if she makes the changes suggested here, she's well on her way to creating an excellent future for herself and her child. i hope for all the best for her and her kid ❤
100%. The comment section is really inappropriate for what this show is supposed to be. This community should be a community of hope and it’s so toxic.
i got a used camry a year and some change ago for 1300 bucks with 320k miles. spent like 700 bucks on parts and watched like 10 hours worth of videos to fixed the front end and timing belt for the first time. I dont understand why people need to flex with shiny stuff its really weird. i also got a sumsung tablet as a second monitor for like 200 bucks brand new
My couch is from a friends mom. She was upgrading bc it was 5 years old and I’ve had it for 6 years. Deff time to upgrade but paying off debt comes first.
Get a bit dirty with your money 😉 shop.calebhammer.com/dirty
Caleb you made a mistake with the timestamps the first one is misspelled "Job and inceom"
Caleb my emergency fund isn't ready yet I CAN'T. Fun advert campaign though. If I had a few thousand more than I do I would get on that.
The merch is funny but you should definitely make a couple chill, family friendly designs lol. Altho the finance daddy is tempting me a bit 😂😂
Church SEX ED is just missionary with extra steps
@@stickyfingers8163Valentines Day
You know what else hurts my soul other than seeing unecessary debt? Dying plants. We need a plant audit on Calebs fig and palm plant ASAP.
I've thought the same thing! Brown tips are an indication of over watering
Yes!! Plant Audit time!
Caleb is a damn monster.
Fiddle Leaf Figs are assholes though.
@@CurlyWolf_are they super difficult? I’ve thought of getting one, but my foray into indoor plants is just starting. I got me a money tree, a monstera, and a bird of paradise so far. I’d like a fiddle leaf fig and a rubber tree at some point.
I'm confused as to why she expected to get approved for affordable housing when she literally owns a home.
She's of the mindset that she should get free stuff just cuz she wants it!
Thiiisss Bi#%#%! That's what comes to my mind
She dumb bro she could just live there and be afloat
Yeah, she doesnt realize she hasnt hit rock bottom yet. Those resources are not meant for someone in her position with a house and bad debts.
I think they should be for ppl who are trying and hit bad times. I know so many ppl who work under the table and have their bc/gf live with them and get food stamps and other benefits to game the system
Renting a place more expensive than the rental you own is peak insanity.
It’s in San Antonio, about a 2 1/2 hour drive from Austin.
@@opexal8065 it’s nowhere near 2.5 hours.
@@opexal8065as someone who drives that often, it’s closer to an hour and a half.
@@opexal8065so then she needs to get a job there
@@opexal8065 not really? unless it's over by Helotes. I lived in central SA most of my life and Austin was about 75 mins away during the morning BS.
Oh no… hearing a landlord say they’re using the security deposit for taking care of repairs is so scary
Yeah, that's probably why they find any excuse not to cough it up when you want to move out eh?
imagine you open youtube and see your landlord on Financial Audit
Isn't that illegal. If they find out she could be in trouble.
@listrahtes yes you're supposed to put it in a separate savings account accruing interest.
@jamesross160 yeah my landlord sends me a check every year for the interest
There’s no way bro just said “go roll around in some grass and flowers” this might be the funniest line he’s ever said
Bro is really not into her 😭
that line had me rolling
He could start a whole product line off his lines.
He has a gf now! Could be out of respect for her that he’s deflecting
@@m1997 in some grass and flowers?
Absolutely insane she applied for food stamps while owning a rental house. And is shocked she was denied. Abject delusion.
Better she gets it than ppl that game the system. Work under the table and have roommates while living in affordable housing getting food stamps and other free shit
@@bodybongShe would be gaming the system if she got food stamps.
@@bodybongyou're living in the same delusion as this woman lol
@@bodybonghave you ever been on food stamps before? What i've heard from other people on it, the stamps are like a bandaid on a gun-shot wound. You'll still be struggling, but maybe a little less than without them
@@kristelbrok998 my best friend in college didn't work, and her boyfriend worked full time and make 70k. Had a lovely 2b/2b apartment and all. they were on food stamps because she gamed the system and got $600 a month for it. So...
This episode was wild. She lacks accountability and discipline. She wants food stamps and affordable housing but is literally spending any extra on the club and other crap. SMH
Dummy air heads.. austin IS DIRT CHEAP compared to l.a.. period.. 900 for a whole studio vs. 2100 for a studio in l.a. The pay in L.A. is only 25% higher than austin.. so technically, in Austin, I could make my money go further. Even if income in Austin would be 50 percent less, it's still more affordable. This is just insane. I might just move to Austin & show how it's done.
@@dbdnrbdband she’s robbing her renters how the fuck do you fumble. . .
AND she has a 10,000 dollar credit limit on a credit card😩
Altima is a Nissan and she called it a Toyota huh?
Single mom vibes 😂😂 stay far away from them
A landlord without an emergency fund is terrifying.
Especially one who doesn’t even understand the concept of “future repairs”
Oh it totally is. Years ago our landlord refused to fix the gaping holes in the roof of our apartment because he said he couldn’t afford it. He figured out he was wrong after we withheld rent for six months and then we used the money to put a down payment on a house. We settled up with him months later for next to nothing because the place was still unfixed and unrentable. Absolutely lovely apartment with sweeping views of water, and he just let it rot. He had inherited the building. What a waste.
Couldn't afford it because you didn't pay rent.
@@ImAussieMateread his message. He said he first stopped paying rent after the landlord said he couldn't afford to fix his property. If i was in that situation i wouldn't pay rent for a place that won't even keep me dry even though the rent agreement was i had a place where i could keep dry and sheltered.
Learn to read before you come in with such a dumbass comment.
@@ImAussieMateif there are open repairs you legally are not required to pay rent buddy
How does she think working fast food and retail are beneath her but asking for food stamps she doesn't deserve isn't? Weird sense of entitlement she has.
How doesn’t she deserve food stamps?
@@cocomalonee not eligible
@@nineteenfortyeight6762 i understand that she said she’s not eligible or that she wasn’t entirely sure. Idk anything about eligibility but if someone can’t afford to feed their child I don’t see why they can’t get food stamps
THIS.
@@cocomalonee You shouldn't get food stamps if the reason you can't afford to feed your kids is because you're not spending the money you have properly.
10K worth of credit card debt is officially paid off this month!!! Alongside getting rid of my BMW M3 with a balance of 60k thats 70k of debt gone in 3 months. The following 4 months I'll pay off 30k to be completely debt free. All thanks to this show, thank you CALEB for opening my eyes. Keep doing good work brother
Good work bro. I swear the temptation of buying a nice car is so high, but it just isn’t worth it with debt. Funny thing is, it’s not even worth it with cash either unless the car value is like 10% or less of your income.
I used to own 60k in vehicles on 80k income. Now I own 20k in vehicles on income that’s 3x what it used to be.
Congratulations, the work is paying off!
Good shit, hopefully you can get that M3 back in the future when you're well off! Beautiful cars
That is awesome! You’re killing it, keep it up!!
Bruh M3 is nice thoooo 😂
People like this make me look over at my wife and sing to the sky with joy. She manages finances well and always consults with me to keep me in the loop so we can budget properly. Things are going really well.
aw ❤️
Famous last words
The second year is tougher.
@xro1983 just be happy for them. Being so negative toward a stranger who is grateful for their wife is insane
Hopefully you are doing what you need to do as a partner to keep her 🎉
50K a year and has a house and a car and wants housing and food stamps? Give me a break.
She can go and work at a warehouse with overtime and still have more money without education.
Yeah but why would you want to work at a warehouse? Those places are depressing.
@@Chris-mp1kb depression and sadness is a part of life. You can't be happy all the time 😶🌫️
really? more than 50k a year working in a warehouse? tell me fr fr
@@kdafwwfw
Sounds like we need to repeal the 19th amendment
If she had called Dave Ramsey, she would’ve been yelled at even louder. He would’ve advised her to sell her house, sell her car, sell her furniture, deliver pizza, not go to law school, and eat nothing but rice & beans
Yeah he really has that "boomer" answer to a lot for calls, it's weird bc it's sometimes the most obvious plan, but his way about it just rubs me the wrong way.
@@Dr.ZoidbergPhDNothing you said even begins to make sense. If he's right, he's right. WTF is a "Boomer answer?" What does it matter if you're "rubbed the wrong way?" God, y'all are a lot of whiny 🐈 🤡
But that is literally the only way to get out of it. Doesn't matter if it doesn't sound good or even a little pretentious
Beans and rice, rice and beans, and you’re not gonna see the inside of a restaurant unless you’re working there.
It's funny cos it's true.
1:00:05 hi, I’m a therapist. Here’s a rule about self-care that I tell all my clients. There’s nothing wrong with “a little treat” as a form of _reactive_ self-care (today was extra awful or my boss yelled at me so I’m going to get some ice cream) IF you are also engaging in regular _proactive_ self-care (therapy, journaling, physical activity, health care, clean home, etc). My rule of thumb for good, long-term, impactful self-care: It shouldn’t be easy. You won’t always want to do it. You will sometimes have to muster up every ounce of energy you have left after a 12 hour shift or a rough week to clean your room or write in a journal or go for a run. But if it’s good self-care, you will feel good after and you’ll be proud of yourself for having done it.
I needed this. Thank you.
This needs to be pinned.
Thank you. Your rule of thumb is really helpful. I see which part of my life that needs a lot of work on. Really, thank you
I’ve been working out 2-3 times a week, and a couple days, as I’m just starting, were really difficult. It felt like moving a mountain. But I knew it’d be good for me, so I did it, and I honestly felt great about getting over that hurdle
This is super helpful! Caleb should have you on to deal with the trauma dumps lol
this girl epitomizes the 'bad' landlord stereotype that people despise so much, she definitely doesn't intend to give the security deposit back...
Agreed! When she said “if they mess anything up they don’t get their deposit back” I instantly knew.
She could babysit someone else’s kid on Saturdays and evenings while she cares for her kid.
Thank you for a productive comment!!
In home daycare providers make a killing...
Thank you for this comment! I’ve been trying to find ways to make more money without missing more time with my kids then I already do. Im drafting a Facebook post now!
But she wants.... To go out with her friends!
Iq200 move. She could also work at an after school daycare and bring her own kid.
Every time I buy a redbull I’m like why am I buying this taquito
😂funny me too!! I’m like okay so this taquito just took 4.99 from me 😂
😂
The real question is why are you buying the taquito at all? Do you have your 6 months E-find and put 20% for retirement. Are you maxing out the Roth?
@@evinthestix7451that’s the exact same question they’re asking themselves lol
Get the multi-packs if you buy them often
She has no business owning a rental property. One bad tenant or major repair and she’s screwed (even more than she already is).
Agreed
Honestly if she really doesn’t want to live in the house she should sell it. I don’t get why she won’t
The extremely obvious answer to literally all her problems are to sell the house, settle all debts, and use the large amount of remaining equity to either make a down payment on a new house and/or pay for school.
@@abbyelisabeth824 she might as well live in it
It's such a bad decision on multiple levels as now she's not eligible for a FHA loan. And that's the way a lot of people get into a house since you only need at least 3.5% down instead of 20%.
You can tell she thinks her charm will get her out blame for actions
And into calebs bed.
@@KerilynDesiree 😂😂
@@jessicacalderon-rico89 lol
@@KerilynDesireelmfao 😂😂
lol she ain’t pretty enough to get a free ride
Saying “I’ll add you to my roster” to your financial auditor is crazy.
To be fair I was wondering why we never saw a gold digger on the show with how often he managed being single and having no luck with women (not saying she is one!!)
@@Sadreathhe has a girlfriend
Giving serious vibes that she's hoping he'll start sending her money for dinners with how often she talked about it.
The fact that a woman that is so average as her can even say she has a rotation is wild. Shows how easy it is for women to get men.
@@deem.4527 how do u know
YOU DO NOT DESERVE FOOD STAMPS WHEN YOUR SPENDING $100s IN A CLUB
You are going to dislike many of the practices of poor people. Many would disagree with you.
@@lprice5583ya but that’s why you they’re poor
@@lprice5583there’s a difference between poor and trashy.
@@justinx9892 That's why I said many. Many poor people in my area also would fall under the trashy label.
How else is she going to find a sucker to pay for a kid that isn't theirs?!
“Trauma dump everyone, everyone hold the 2x speed button” LMAO
That was so brutal XD I think he only realised after the fact haha
Lmbooo did he really say that 😂😂cuz I did that anyway 😂😂😂
This was hilarious. I love that he calls it out😂
Exactly the whole episode 2x speed
She said trauma dump as if getting pregnant young gives you a free pass to be a POS.
She’s 200% flirting with him
Someone probably told her she should be a lawyer because she likes arguing. What a misconception.
Right 😂
And they were probably joking because they just couldn’t take it anymore and gave up. I remember I used to say that to my ex because she wouldn’t give up until she won 😂
I never thought about that, that's hilarious 😅🤣
She’s not even a paralegal you need a bachelors and a year of work experience before you can apply. Anyone can be a lawyer but she wouldn’t be a good one and she would go into debt at a low level law school not paying her back.
I love to argue.... That's why I'd make a horrible lawyer!!!!!
Caleb talks about the house she owns, then he asked about whether she has saved for taxes. My immediate thought was PROPERTY TAXES, but her comment was “I broke even”, meaning federal taxes (Texas does not have income tax). But it’s obvious she shouldn’t be a landlord either if she is spending ‘rental income’ and not paying taxes.
one of the reasons bar associations won’t license you is a history of bad debts and financial trouble. it gives you a higher chance of stealing and misusing client funds. she’s actively ruining any chance she might have had to become a lawyer
but you can get all of thoses and more after getting the bar 😂 😂
I'm a lawyer in Texas. I have never heard of someone being rejected from the bar for financial reasons. I also don’t know how the bar would even find out as they didn't ask for any financial information when I applied.
Then why is my ex an attorney????
@@JeanValjean875 they did for me and my entire law school graduating class so idk what to tell you but they specifically asked about any history of debt not including student loans
Definitely not the biggest reason that people are rejected by any measure. But definitely still a factor.
Ouch. She’s totally planning to keep that security deposit no matter what. If I were her tenants, I would be documenting everything very carefully.
She will find a reason because like you said, she’s keeping it regardless.
Small claims coooouuuurrrtttt
I really hope someone calls CPS because that kid isn't going to survive with this woman
Lmfao you think people goto small claims court for a measly couple grand? Thats not how it works. There's a reason all tenants have bullshit charges to keep the deposits. Made up or exaggerated cleaning fees, repair fees, etc. No ones going to small claims for that amount of money.
@@YoursTrulyAnissax3that’s extremely unfair to say. She might be in debt but that doesn’t mean her child isn’t being cared for…
Caleb you are such a good guy and this girl is literally trying to manipulate everyone into seeing her as a victim. You’re a mother! Please take accountability and prioritize your child
Its like she was looking at him with the 🤑 money sign eyes!
Her crying about not having access to affordable housing and WIC when she owns a home is delusion at its finest.
Delulu is not the solulu 😢
She’s using the bad decision to its fullest potential
She was crying about the passing of her mother…
@@tatianabritton6258 these people are crazy making fun of the woman crying about her mother’s passing. She was 17 too! Probably when girls need their mother’s the most! Crazy as* people.
@@VisibleNoisesthat was just too funny 😂😂😂😂😂
I can't believe she actually publicly complained about not getting government assistance when she owns a house that she rents out. Very detached from reality 😳😳
And, food stamps at 24? It used to be for the poor and elderly.
@@quicklykay tbf you can be poor at 24
@@quicklykayyou making up food stamp rules in your head doesn’t change the reality that anyone of any age can qualify for it if needed
@4everBreezy landlords shouldn't, full stop. Sell your extra house if you can't eat, then beg for tax dollars.
@@jeffredfern3744 Agree, its crazy she doesn't just live in the house she owns but wants to rent it out for a profit.
She starts her Trauma Dump by using her kid as an excuse. Its so weird man, they should be your motivation to get out of this shit, not the excuse you use to stay in it.
She shouldn't have gotten impregnated to begin with because she had recently been laid off.
@@violet18her son is 2. she was laid off last year. she already had the kid before she got laid off
Mine was motivation to get out and not want him to have a bad life because of mine mistake
Dude, I do rental property, and I have had similar conversations with young single parents. One lady had three children. She received lots of child support, and she worked two jobs. I tried to help her buy a house, but my mortgage broker friend told me that no legitimate bank was going to loan her any money. She failed to tell me that her credit score was about as low as it could get. She was overextended on credit, and she bought a new car EVERY YEAR. It was hopeless, and then her on-again-off-again boyfriend got arrested. Then, her ex-husband sued for and won full custody of their children (i.e., no more child support). Such a freaking mess. She moved out at some point, but she still calls me at least twice a year to ask for advice. There is more hope for another tenant who recently got a great new job. I am encouraging her to start a 529 for her son and open a Roth IRA. She is always behind on her rent, and I think she parties too much. She could get it together financially, but first she needs to focus on what is truly important.
@@jessddj doesn’t matter the truth is she could be in a way better situation but she being neglectful of her responsibilities. This is self inflicted laid off or not
Please bring back the total debt counter in the bottom right hand corner! I watch these while I work and the fire sound effect was a little cue for me to check in on where the episode is at. I miss it 🥲
Debt counter is nice!
Yes I agree really been missing that !!!!
We made an error not doing it this video. Will fix going forward!
Yay!!!! Thank you!!! @@CalebHammer
@kay8487 yes plz, I miss that , a fun part of the show
I feel like her saying "yes Caleb" was giving "yes daddy" vibes
100% agree
100%
Yeessssss so true, Dadddyyyyy
this is weird behavior
Seems like she's looking for him to be her next meal ticket.
As a childcare worker, PLEASE do not recommend coming late. Centres close when they close and its $1 per MINUTE due in cash upon pickup most places, and doing it often WILL get you kicked out. You can also get CPS called on you for child abandonment (we have to call the cops after 1 hour at my centre)
Yeah I think he's completely clueless when it comes to that. It's terrible advice.
Is there no leniency at these places? If a parent gets off work at 5 and the centre closes at 5, why can't they let the staff know and just pay the fee each time? If CPS did get called because of being 10 min late frequently, the investigation would show they are working and fighting traffic to get there. I just don't see how that's a problem if the parent let's you know.
@@BooserBoi Because those workers also want to go home.
@goeblincitycosplay yeah, so punish parents already needing government assistance to watch their kids. No one drafted these people to work at daycare facilities. They can find another job if staying 10 minutes later for a child and family well-being is a problem. Honestly, I'm unsure why someone with that mentality would even work somewhere like that.
@@BooserBoi A daycare is not your mom. It is a business and the minimum wage workers need to be able to get to the places they need to be on time, too. What she needs to do is find a place that has later hours to accommodate her schedule.
Every American hoping to retire and under the age of 60 should watch this channel. 😊
Agreee
Over 60 enjoys this channel too. ❤
I'm so thankful I found this channel before I get a good income lmao. I definitely would have peed it up a wall and got into some debt.
@@CalebHammerYour channel lit a fire under my ass last year, I was missing Payments. Now March is my last CC payment, after that my only debt is a 4% student loan.
I am aiming to retire before 50 😁
Caleb, repeat with us: "I am not a plant person." Some people are not, and that's okay 😂
😂
Gold 😂
Top comment 😂😂
😂😂
😂😂😂
When I became single with 2 kids and no child support I did a paper route midnight to 5am and then taught school from 7-4. On the weekends I worked at a gas station. In the summer I replaced the school job with a daycare job..we didn't eat out we didn't do ANYTHING that wasn't free. I wrapped birthday and Christmas presents in Sunday comics. We at hotdogs, pancakes and hamburger helper for every meal. I didn't have a cell phone until I graduated nursing school in 2015. Stop making excuses and take care of your shit!
That's what a dedicated parent look like. Bravo! An example to everyone on taking the specific steps in order to achieve a goal.
And you’re also a wonderful parent and your kids will love you and thank you later. As someone who had a single dad who works all the time. Splurged when it was available and bought hamburger helper when needed and refused to eat when it was super tight. I appreciate my dad a fuck ton because of it.
Damn that’s a GRIND, huge respect
Just curious, how did you do the paper route with kids? That is one of the struggles they brought up on this video
Major respect!!!!!
I feel like this woman thinks she’s being really cute and adorable when she giggles and says Caleb but this was probably the most mind boggling and infuriating episode I’ve ever watched. A $1,000 credit card payment on a $50k salary is INSANE.
25:18 50k salary is taxed she said her bills are 4k a month now. 4kx12=48k. She’s drowning herself.
The “Yes, Caleb” faux submissive type of response is a weakness for some men, ie: her “friend” who spontaneously gives her 20$ for her and her child to eat.
In short she does it because at least some of the time it works.
Works every time lol
Totally agree. I just can't with this girl
Because she thinks someone is going to come "save" her. The government, a man, etc. She takes no personal responsibility for anything. I feel sorry for her child.
I mean, I don’t think government assistance should go to someone who can afford a mortgage for a house they’re not living in lol
Yeah I thought the same thing. She should’ve sold the house
Goes to show how prevalent the welfare mentality is among single moms...
Where I live in canada they'll give you assistance. But when you sell your house you have to pay it back.
exactly. she's completely out of touch.
because you already paid them with your taxes @@Ginger-sm5ed
I'm a single dad and work 5am to 4pm and cook and clean. it's rough but I made the child and a child is work. I cook at home all but once every two weeks. My wants are secondary.
You rock brother 💪
Fathers eat ramen so our kids can eat healthy
❤
A child is not work, you sound like a privileged nd ignorant woman who say things like have a child is the hardest job. No, a child is not work nor is it the hardest; a child is a blessing, privilege, and a responsibility. Man up, also it takes two to create a child. YOU! Didn't make anything you helped create a child.
Most women work full time and cook and clean
"I wanted a perfume and it was cheap."
"Go roll around in some grass and flowers!"
I'm going to use this one with my wife.
Will report back with results.
Bro never made it back from battle
o7
Let us know you're still alive!
He was condemned to sleeping in the car. The couch was too merciful
😂😂
People very much do not understand what "writing off" expenses means. It doesn't make it free. it reduces your taxable income. So, if you write $10k off and your taxable salary is $110k it would be reduced by that write off to $100k and your annual income taxes (if we're doing a simple calculation) goes from $19,442.50 to $17,053 (a reduction of only $2,389) and it's only really that high because i accidentally chose salaries that cross brackets. Bottom line is that, if you are writing off a $10k expense, that does NOT mean you get $10k back. You get a percentage back in reduced taxable liability.
👏👏👏👏👏 I comment everytime people freakin say they write shit off. It’s so annoying!
Truth.
Yep. Nobody understands what our marginal tax system means
Right. And the percentage is the person's marginal tax rate. So, if she's at a 24% marginal tax rate, and writes off a $10k expense, she's saving $2,400.
Thank you for explaining that so well. I’ve never understood people “writing it off” as I’ve never done it. That helped me understand it
Caleb’s point about parents making sacrifices to free their children from the burden of having to care for them in old age is such a driver for me. I became a mom at 21 and have worked as hard as I can to never be a liability to them.
Thank God you take accountability. This woman here makes it seem like she got pregnant as if it was COVID.
You get pregnant, you take responsibility for your actions.
You have a husband ?
why tf would you become a mom in your early 20s, much less in this current state of the world lmfao
@@pabloescobarschanclascause they want to have a fall for the new feminist bs trap of being free with your body and ignoring the consequences of the dirty. I am not going to shame or be like why the hell bro. What is important is she took accountability and grew up and took care of it. She made the mistake of having a kid and is now making up for it and put herself last which is what she is going to have to do for the rest of her life now. Well until 18 if she wants her child to be in debt and kicks them out lol.
@@pabloescobarschanclas
Nothing wrong with Becoming a mum at 21
Stop shaming people who do normal things
Just putting it out there, the fact that a church is actually PAYING HER to work in the nursery on Sundays is HUUUUGE. (Usually churches rely on volunteers and often there's not enough and people can get burnt out) That is very rare in churches and is a good opportunity for her to work more. Can she do evening services? Mid-week childcare for bible study groups? Will they pay her to work camps? Admin in the office? Are there any other jobs she can do at the church and bring her son along? Just some thoughts & ideas on the income aspect!
Just adding this. Networking - if she's trustworthy to watch kids there, why not make cards to babysit for "date nights" for extra $$$
I wouldn't trust her with my kid. She has zero rational mental judgement
@@pinkisforpimpsfinancial literacy has nothing to do with her parenting/child-handling-skills 😅 i have no debt, and am pretty responsible financially, but i have no clue how to take care of kids
She was out of work for six months and couldn’t pay her credit card bill for two months and drained her savings. Oh but she got one months severance and was paid at an internship for one month. And she used her savings so she was fine. So many stories with this one and they keep changing.
She said she went through 12k in 3 months. Ooooouch. You should be paying your bills and not buying any extras if you don't have a job.
“Single mom” is not a coupon code.
TH-cam asked me to rate your comment, I left it as excellent because it’s hilarious. Wish I had an option for truthful 😂😂😂😂
@@FalloutGenius1😂 I would have done the same, that's it in a nutshell
It is in today's world.
Title of the show be "single mom avoids accountability at all costs". What's sadder is you can tell all the advice Caleb gives will probably not be used. Based off all the sarcastic answers she gives back
This is nearly 100% of women. They use their kid as a paycheck
“Go roll around on some grass and flowers” instead of buying perfume has to be the best piece of advice Caleb has ever given!
I missed that one 😭
😂
She explained how a pipe burst and multiple appliances broke at her rental property, but she STILL doesn’t grasp why she needs to set monthly rent money from the property aside for….(gasp)future repairs. If she can’t connect those dots, good luck with law school.
She also hasn't figured out that if you're broke you don't buy new. I moved into my house around 7 years ago and bought my first new appliance last year. I got my dryer second hand when I moved in and it's still running. I've had several washing machines and a couple of dishwashers but when you're paying £50 a time you could buy a replacement every year without breaking the bank.
@Draggonny of all the furniture in our apartment, the coffee table and couch were bought for less than $100 on fb marketplace. The rest is just random hand-me-down type stuff people were gonna throw away. I can not fathom going thousands into debt for furniture. Like, it's a freakin couch, I sit on it, works great. These people have no grasp of what a "need" is.
@@DraggonnyI remember my first flat, pretty much everything 'big' was hand me downs from various people.
As for the rest £500 at IKEA did the job.
I left home at 19, I'm 39 now and I only bought my first new sofa a couple of years ago.
First one was free, 2nd I paid £50 for and latest 10 years (best sofa ever).
I couldn't imagine coming on a program like this, where someone is literally giving you all the solutions, and all you're worried about is how people online will judge you based on your choices....the past and people's opinions don't matter....you building towards a better future does
When the entire premise of the show is "I effed up and got myself into a situation I can't figure my way out of. Please help me?" they should be already resigned to the fact they dun goofed.
People who are struggling.... grocery shopping at Target is wild. If I have no income coming in and I am using savings. I am buying the store brand of the cheapest store. I am not getting my nails, eyebrows or hair done. Peoples priorities are wacko
Blame social media! It’s making people think all these superficial things are extremely important. We all participated in this mess our society is in! We need to shut down all social media apps and go back to just being normal people again.
@@jennifercurtis8229 agreed we all played a hand in the beginning but smart people didnt let it consume them. Definitely time to turn it off more often
I agree but my local target is cheaper than my Walmart! As long as you don't buy the name brands of course.
@@cryola787 yea. But we know she wasnt buying store brand lol
I live in New Zealand and we only have three groceries stores and food is expensive. You guys in usa have several options. I don't understand why you don't do cheapest places. I would dream for that option.😊
I feel like Caleb keeps asking why people laugh and like 99% of the time it’s a coping mechanism for an awkward situation or someone being uncomfortable
While it's true that is usually the reason people are laughing, it'd be more irresponsible for him to not ask and then the audience draw their own conclusions and potentially assume it's because they don't care. He asks so they can give their own reasoning.
It also shows immaturity and trying to avoid a tough conversation.
It reminds me of children who will do bad things and laugh about it until an adult teaches them that it’s not right.
Yeah I never understand this and he literally made a goofy af voice and then said wHy aRe YoU LauGHing 😂😂 Caleb likes the joke on the show one second then the next he gets so serious 🤓☝️
I think they laugh for the same reason I laugh and watch these videos, Caleb is a big adorable goofball.
I swear all of these people who are broke are driving 2019 or newer cars. Absolutely insane. Buy a $6000 car, put $1k/year into it, and drive it into the ground. Significantly cheaper than $500+/mo payments and in the long run you'll lose less money versus the always depreciating value of a $30k economy car.
Absolutely. I have a good amount of savings and drive a 2015 that I paid for in cash. I don’t understand why all of the guests have new cars with insane monthly payments!
@@AlyssaBird4 Selection bias is probably a part of it: they're guests *because* they're the people who take on insane monthly payments that they can't afford.
Cars are more cost effective to fix than buying a newer car with a massive car payment.
Why not sell the house and use the equity to pay off the debt it can cover and free up some minimum payments so that she can get ahead.
@@donaldcedar7574 in her situation renting and owning is a huge mistake she is not benefiting from the home and the cash flow is not worth the risk. $500 can be made at a part time job without having to deal with tenants. If the home were paid off yes definitely do not sell the income would be $1,500 from the home.
Caleb should stay clear! That “friend” who sends her money to go out to eat because they “feel” bad for her and son is definitely sounding like her romantic friend, or a friend with benefits in exchange for money 🤮.
Her “friend” obviously doesn’t have money like that and he’s a simp. What I can’t get my head wrapped around is how she’ was single with an infant? She was definitely eyeing our boy but he was upset so thank god he saw past the bullshit.
@@breezy6859bro she was just joking there was no real intend of getting caleb
Touch grass
@@ari_a2764 she’s broke and that’s okay. She uses men for money too and that’s okay. Just admit it.
@@breezy6859 i didnt see a single case in this audit where she used men for money
Touch grass lil bro
@@ari_a2764 stick with your OF because you’re going to need it
Girl. You don't buy the couch and table on credit , you save, you get a free one off fb market place, something!
My furniture is all trash or thrift store. And they're SPECTACULAR.
for real! i found mine for free or from cheap garage sales.
You just find some dude and get him to buy all your shit. Right?
heh they wish. @@hhjhj393
Exactly!! Especially whenever a business has to move or shuts down. That furniture is always high quality
$150 a MONTH for daycare is SUPER cheap. We pay $270 each WEEK in TN (not Nashville)
lot's of people get subsidized things, and when it comes tax time theyll realize they never qualified and owe quite a bit of money back.
@@epicambient that's true but in her case it's daycare for student's kids. That existed in my college too and it is subsidized by the university so until they change the price on her/kick the kid out for graduating I don't think she'll have a problem
Damn, more than $100/day where I like in Australia. Better off not working
@@darkydoom $100 A DAY. good god
@@darkydoomAustralian here, it's insane the price of daycare... We were paying 135$ a day for a while small town it's the only option 😭
You can NOT apply for assistance when you own a home that is not your primary residence.
Literally, I got so annoyed hearing her whine about that while there's people literally living in the streets
I just discovered this and love it. I'd get grilled so fucking bad. This man is doing the lords work
Right?! I’m honestly feeling inspired and informed right now (this is my third video in a row). He would absolutely COOK me if he looked at my finances (rightfully so, but also maybe not THAT bad).
Yes 🙌
"Whats a sexual ed class at the church? Dont stick it in?" Caleb is killing me with the roasts 😂😂
Which she admittedly did not attend...
She said her kid was a result of a fling... If you watch the behind the scenes stuff... ☠️
@@2k7duramax Man, good thing I'm working from home right now because otherwise coworkers would be asking why I suddenly started laughing like an idiot... anyway nice one!
My church teaches more than abstinence. They tell the kids preferably in meaningful relationships because it's safer and better, but either way, use protection bc STDs & don't bring a kid into your decisions. They also teach healthy relationships. You'd be surprised how well teaching them to have higher expectations of their partner works to keep them from bangin. Esp the girls will flat out say he doesn't even wash himself properly, nope. Or he's rude and ghosts me for non-stop video games, nope. And they don't tolerate verbal or emotional abuse from partners anymore.
@@googleuser3749Sounds pretty wholesome
Everyone, please remember that Caleb's birthday is on Valentine's Day Wednesday, February 14. 🎉😊
I hope he’ll drop a special episode then! 💞
@2passportsandpostcards me,too. That would be super awesome for sure.💯
He is my birthday twin!!!!
@@NatAttack14 Sweet 🥳
@@NatAttack14same!
Buddy, get a humidifier for those plants ASAP!!!!!
Lol that banana plant(?) In the back is dieing from Caleb's radiation of frustration and cringe.
Tbh the water in the air might mess with the electronics in the room.
@@casper75559it won't
Right@@casper75559
@Diegotheparrot the big plant behind caleb is a fiddle-leaf fig :)
It is interesting to me, how different people observe situations.
She already was laid off and had debt and would still buy furniture and go out.
She seems to not want to pay it off, but hoping for someone else to feel bad for her and pay it for her, when it is her own fault she is in this position in the first place.
I lived in my new apartment for 8 months without a fridge and for 4 months I slept on the ground without a bed and mattress in order to save money. And here she is asking for food stamps and is in debt, when she even owns a house, she could have sold or lived in.
Yeah thats what happen with my wife now, she has debt that already 10x of her monthly salary and able to think she deserves to have the brand new phone worth 4x times her salary.
Meanwhile i scrap every penny and paid all the rent, groceries and electric bill by myself with only $30 left just to barely not become a homeless.
Can't take it anymore now and divorce is the only answers for me.
@@Achirrusanthat's awful. I am so sorry you're going through this. You deserve so much better. Everyone deserves an equal partner in life. You're supposed to have each other to lean on, not one person dumping everything on the other 😔
It's like she didn't take anything seriously
She was so confident saying she had no student debt like she doesn’t have every other kind of debt
LOVE THESE! These have literally become a part of my MWF schedule.
Thank you ❤
Between all 3 accounts my M-F 11am is only Caleb and Puertorican Dumptruck
@@CalebHammerNo thank you! it makes my work day so much easier and I’m learning!
Same! I was looking for it all morning and it has arrived! Lol.
Me too 😅
I'm getting tired of watching people who don't actually want help. These people are obnoxious.
She got on the show to get a date 😂 it’s embarrassing
@@killerCamiicompletely fangirling the entire time. That girl needed to get a grip.
@@killerCamii Better than tinder......
@@servo3tinder is wasting 1 persons time, this video was wasting time for 250k+ people, I think tinder wins this one lmfao
Agreed; so many episodes that I just need to turn off 5 minutes in, because I physically cannot handle the cringe and secondhand embarrassment 😭 So painful seeing them argue and justify every horrible decision. Wasting everyone’s time
Flirting as a single mother with this amount of irresponsibility is INSANE. We really need to bring back shame.
Shame in flirting? Yikes
@@Vampirita447Holy crap.... go back and reread the damn comment!
@@b.h.8421 I know what it says.
Mad slow
@@Vampirita447lol Yes it was shameful for her to flirt in this situation. He’s literally trying to help her get her life together and she’s acting like it’s a coffee date.
I can't ignore the crispy edges on the plants
well THANKS for pointing THAT out
fiddle leaf figs are impossible to keep alive caleb plz let me help the office plants
Nutrient deficiency or ph issue in soil.
Yeah a fiddle leaf is not going to thrive in a dark studio 😢
Fiddle leafs barely want to stay alive. Had a 6-8” tall one that was doing fine until it dropped all it's green leaves over the course of 2 days.
This girl’s attitude is ridiculously entitled, Caleb please never go out with her 😂
Should I let her spend my money?
@msannab7 listen girl, it’s hard to find diamonds now days like urself, their all taken !
the toxic roommate thing was tough to listen to bc I don’t think she was rooming with that lady in the toxic relationship. That lady needed her apartment back. That’s all lol
Literally lol but @ the: “Where are me and my son gonna live??” Idk, where were you before? Would you let her live with you if this was your apartment first?
Yes the woman wasn’t living there just the guest and her child alone. But of course this people are so convoluted with their explanations
@@shawneeGoes I don't think it was convoluted. I think Caleb just wasn't understanding and made it seem like she was crazy.
Yes, that was frustrating, I hope he ended up understanding what she actually meant
@@oStacezillaoagreed. The whole first half he wasn’t understanding her.
$4500 a month, and she wants government assistance? Smh
I think if a friend sends you $20.00 to eat, go to the grocery store. You can get so many meals for that. And meal prep...seriously!!!
It's Gen Z and older people who are either lazy/unmotivated/uninterested in cooking. I'm not world travel, but I explored recipes from Mexico, China, Indonesia, Japan, France, Morocco, Italy, and India.
I bought bulk spices, bought farmer's market produce, bulk 25lbs of Jasmine Rice, sauced from the Asian market, and certain vegetables from Asian markets.
I started cooking like this not even 5 years ago, and my food budget is $300/month.
$20 bucks is 5 days of meals from the store vs maybe 1 low end restaurant visit. Its a super easy choice. Check out Jack Ovens, I love his recipes for meal prep
such a lieeeeeeeeeeee@@baconoftheark
She said something like "I'll just say 'my friend.'" There's something else going on there. That's her ex or she sent feet pics or random cashapp on Twitter or /something/ unusual
A pot of rice and beans chicken legs and any can vegetables for lunch/dinner
Morning scrambled eggs and potatoes or Winnie’s you gotta sacrifice for a couple months
“I’m adding you to my roster” is such an ick
She probably has a sugar daddy (says Friends give her $20 here and there to go eat). I'm sure she gives out "favors" for this fun money and thought she could add Caleb to the roster
Nobody tricking for a dub nowdays@@pinkisforpimps
She said it as a ‘joke’ but she definitely thinking about another baby daddy for another $350/month 🤦🏽♂️
@@pinkisforpimpsshe they type of people to sell her body but say retail is for gross people
@@ElMartino23she actually is pretty cute imo just based on looks that is lol
I love how people come on here thinking they can explain and excuse their way out of their debt and Caleb always shuts it down 😭
Fr!! Like girl is a single mom with no savings, buying a car half her income, getting new furniture, AND missing payments?! I would’ve been interrupting her too- all excuses
It’s ammaaazin!
I personally cannot imagine ever buying a vehicle that I had to finance and pay over YEARS. It’s a deprictating asset and the idea of paying for a deprecating asset over 4-6 years is insane
I get it in theory but I've never done it. If you need a car to get to work and you cannot afford several thousand units of currency in one hit, a car loan makes sense. What doesn't make sense is people buying cars on finance that aren't the bare minimum cost to do the thing you need to do. Caleb is right about getting a 10k car, paying as much as possible up front and paying the rest on the lowest interest loan you can get approved for. Buy a nicer vehicle once you have disposable income to treat yourself with. After you've handled all your financial responsibilities including pension savings and an emergency fund.
@@Draggonny 2020-2021 ish I bought a car for 800$ and it ran. I still drive it today and I’ve had to do my own work to it but it took me 23k no issues. When I broke it I walked to work and fixed it. The idea of needing thousands for an operating car is ridiculous. I personally think there are very few excuses to be in a car loan when you make next to nothing.
@@henryjohnson1126 There are workplaces that do not allow pedestrians on site. They're not common and I've never worked at one because I don't drive. But I remember when I first started job hunting how many employers said own transport is essential.
@@Draggonnythe car market is crazy. It was CHEAPER for me to buy a NEW car in 2022 than to buy a used one of the same model a year older. My insurance also isn’t that bad because I know how to drive lol.
There’s nothing wrong with taking 4-6 years to fully pay off a car. That’s actually fairly common. The most important factor is if the person can genuinely afford the car note.
girl you're a single mother in debt. do NOT go to law school. being a lawyer isn't as glamorous as they make it seem. you won't be making anything if you can't dedicate your life to the job.
As someone who went to law school- there were plenty of parents in my class (including single parents and people who had children during their degree). They all are making law careers work alongside their family needs. That said, it takes a heck of a lot of planning, support, and sacrifice to do. It can be right for some people, but probably isn’t right for this person in her current circumstances. Things may change (especially in a few years when her son is in school or if she is able to cash flow it) that will make it a good decision.
@@ashleyw3326 happy for them! law school is really tough. unfortunately, I see that as a rare case especially in 2023-2024. they think when they become a lawyer, they'll be making a ton of money right off the bat which isn't the case. and the hours are awful. it's definitely achievable but there are so many other careers that would be better for her. it's not always about the money.
Stupid comment. Everyone has something going on in life and most people going into law school have debt (from getting their bachelor’s degree in the first place). So based on your rules (whoever you are) 80% of people in law school should NOT go to law school. So this comment is just really really dumb. No other remarks. Just dumb
Agree. And I can tell she will make a terrible lawyer as well. She only wants do that for the image. She is too delusional and self centered
@@chasingsunsets87 I know a lot of delusional and self-centred lawyers lmao
I am also mad that Caleb won't date me.
Will nobody hold him accountable??
😀😀😀
GRRRR!!!! HOLD YOURSELF ACCOUNTABLE LOSER!!! GRRRR IM ANGRY NOW👺👺😡
1. Sell her house
2. Sell her car
3. Use cash to pay off all her debts
4. Buy a cash car.
But then she won’t look rich bro
Eat beans and rice
Her excuses:
1. I won't live in my rental property
2. I won't leave my current job
3. I need a "reliable" car
4. Pretty much I'm not going to accept any changes you suggest
5. Apply for affordable housing.
6. Apply for food stamps.
7. Use extra money to build up emergency fund.
@@michaelslifecyclenah bro
"I work two jobs"
Girl, you work 45 hours a week... Calm down
She’s also going to school so she actually does “work” a lot
45 is nothing. I do 64 between two jobs but one of them I basically get time and a half for my scheduled shifts so I get paid 76 hours.
@@adesuwaimasuen3699nothing like working less to gain debt then call it “work”.
Do you go to school full time on top of that?
@@josephquinn2881I’m not in school now, I worked full time during nursing school.
She will work for fucking basically free for 100 dollars a week but won't work at fast food because it's too demeaning? That is honestly idiotic.
Got to protect that dignity? Hopefully the thought of being too good for the job will keep her warm if she ends up homeless. Seriously, this thinking amazes me. Not even hard physical labor; just can't tolerate the 'shame'.
It reminds me of someone else on this show who was saying something like “why get a full time job for like a hundred dollars a freaking week” and it was like… no? Where did you get $100 that is impossible even at minimum wage
Ppl will tease an make fun of her. Come on everyone looks down on non high school working there
@@jborrego2406 what? I certainly don’t. People making money isn’t something to scoff at. That’s a ridiculous worldview
Meanwhile some "friends" are giving her 20 bucks frequently..
"Trauma dump get ready to hit the 2× speed button" fucking dying.
I can't imagine having a house but moving around with my kid and being broke 😢 So much extra stress. I understand wanting to have an asset, but it seems your living situation comes first.
It absolutely does, great point.
If you’re so “broke”, like her, then don’t blow your money on fancy dates and clubs and shopping at target. She makes more than families in that area… Problem fixed…
The fact she hasnt called unemployment every day to get her money is ridiculous. During covid i didnt get mine for 6months. SIX MONTHS! I was on the phone everyday at 730am to call them at 8am on the dot and still be in a que fir 2 hours. I had a baby in may of 2020 too. By the time i got my unemployment it was over 20k. I cant imagine not calling until they pay you. Like giiiirl come on.
She is so toxic for being like "Caleb you are interrupting me please stop". She's upset he is cutting her off from making excuses
Yes he had only asked “how many months” and rambling story came out
"B" mode.
It's a natural response to someone cutting you off from your excuses, how is that toxic?
The excuses might be bad, but at least let her make them, and then you can rip them apart.
@@IAmebAdger😂
@@IAmebAdgerthe excuses *cough cough lies cough* would continue until he got tired and left her alone. They never end on their own. They loop around and get progressively more ridiculous.
Paying rent when you own a home you can live in is wild.
Well you know what the say , get a rental property 🫨
@@allthatsheizit's 100% what you should do if you're too broke to afford one
Nah I suppose it gives you the freedom to move around as you wish
Not really, there are situations where this works fine
And San Antonio is cheaper to live in and less expensive city than Austin. Probably more job opportunities too.
Ughhh as a single mom im cringing. I work full time school full time and have no support from the father. 100% bills come first before eating out. It's exhausting draining stressful but take care of your bills and debt 😭
Yeah loads of single moms work many hours on long shifts or 2-3 jobs. She is just making excuses because its hard and she doesn't want to do it.
She had charges for getting her brows done.. she wanted Kaleb and us to have sympathy for her. This might be a wake up call.
You guys ever heard of birth control? Jesus christ
@@DarkBeforeSpawnthey have a thousand excuses on why “it didn’t work” or why they didn’t do more than BC to prevent pregnancy
As a single dad who's had my kid literally every single night since he's been born. I literally went out to eat twice last year and still feel guilty about. It's not that hard to make a sandwich, or throw rice and beans etc into the instant pot
Typical Baby Mama. Spends hundreds at the club while unemployed and living on child support. Plays the victim and cries about not qualifying for welfare. Uses her baby as an excuse for her bad decisions. Flirts with anyone who gives her attention.
It boggles my mind how many people come on here, claiming they want advice and help, and proceed to push back on every point and passively claim they're not making a single bad decision. So many of them say they're open to change and that they agree with what Caleb is saying, but when confronted in the slightest they have endless explanations for why they couldn't do anything differently.
Exactly. I'm here for change. Okay, stop spending money on bs stuff! But Caleb, you don't understand, I need to spend on bs for reasons
She was fake crying then in an instant, went to smiling when Caleb, someone who is helping her made a mistake. Then she keeps on it while going back to a neutral emotion. Psychopath
PLEASE, apply to a gym kids club position!! Most of the hours are after 5(when most people and kids are there), many gym managers have no issues letting your kids stay with you for free while you work for them, and a free membership! Also depending on managers you could likely do school work on the clock as well!
I used to work at a YMCA and they'd do free childcare while I worked. It paid very little but "stacked" with other jobs better than most.
Something Caleb knows, or sure as heck should know, is that getting a job at a fast food restaurant is "greedy"- they want open schedule availability. But it does not pay well. They engineer their scheduling to prevent people from being able to get ahead. And trying to get off in time to pick a kid up from daycare? That's a recipe for getting CPS called on you.
I was thinking the same thing that's a great idea
My mom also has the same mindset. I was also raised in a single mother household and she use to “reward” herself with going out to eat. My sister and I of course had to come because we were kids but all these restaurants and outside “fun” never got her anywhere. I always saw her struggle and jumping into now, I am now 28 yrs old, married, pregnant, with a toddler and she and my stepdad have to live with me because there’s no way they can make it out on their own. But yet they still go out every weekend and have all these “rewards” and nothing to show for all these years. It isn’t fair for my husband and I but I can’t just leave her in the streets
They should half to live on their social security checks instead of sponging on you.
You and your husband shouldn’t have to do that. Your responsibility is to your children and your family. You need to give them a deadline to get jobs and a place so they don’t put your kids in the same position as you bc of them.
Damn, thats a difficult situation
Yes you can! I call it "tough love with a hug".
I hope they pay you rent at least. 😮
She didn't want a job in retail or food services b/c of her inflated ego of being a paralegal, and her being in school for a degree... And worried about what her circle would say and/or think about her decision to survive...
Honestly can’t blame her😂
As a 24-year-old, I was excited for someone my age to come on and see how we compare life-wise. It started out so strong with her taking notes but by the end... honestly I am so embarrassed. Trying to use government programs while owning a home, refusing to sell it, but saying it's in a bad area. The constant justification of going out to eat because her friend is bankrolling it, but easily going over the 20 dollars they're giving her. Yikes. I was really hoping she was going to be more mature.
I think you'll find plenty of 50 year olds who would react this way. I think its worth bearing in mind the format of the show, as it brings a similar reaction from a lot of guests - its a full-on fish-bowl... this video has 5,000 comments. For someone who doesn't spend their life in front of a camera that's pretty intimidating. Most people in that situation will not want to look silly, and so will look to justify their behaviour. They're also getting a 'tough time' from someone they don't know... another trigger for the vast majority of people.
If this was in a quiet room with no viewers, I think much of this would be different.
@@edmanning274okay?? your point is kind of moot because these people APPLY to come on and talk to Caleb about finances, they know what this youtube show is. Also, the person making this comment said they were excited to compare someone THEIR OWN AGE, not a 50 year old.
@@chlxetaylor5358 whatever dude, I try to be understanding of people whether they’re older than me or not. I didn’t suggest it excuses her, I was going for understanding.
@@edmanning274 your initial comment reads as though you don’t watch the show though? like the entire argument is that anyone at any age can have extreme reactions when being filmed… my point is that they go into this experience knowing that it can be tough, triggering and that they could totally leave. im not saying we should hate people or not show them empathy but the point of this show is to help people struggling to gain some understanding of financial literacy and caleb even admits that he wishes people were as tough on him when he was struggling.
@@chlxetaylor5358 and you don’t think the impulse to get help could overpower the impulse to not get in front of a camera under pressure?
Is it me or did she go from flirting with him, to gaslighting, to just being rude, back to flirting….. idk.. it’s the middle of the night that I’m watching this
Yup lmao, even inebriated from sleep deprivation you're picking up on the situation correctly 😂
thoughts on her response on 29:37 - 29:40 slow it down lol
It's bc she's not a good person. She wants pats on the back and affirmation for her choices. She's very very priveleged and well off and her bad choices are catching up and biting her ass.
That's narcicism for you
she's just a latina
I've noticed the higher the debt, the higher Caleb's voice gets. I expect the most outrageous debts, only dogs can hear.
I do wonder what his vocal range would be as a singer...
If this doesn’t get ten thousand likes…
😂😂😂
😂😂 your right I just noticed
😂😂😂
Something tells me Caleb definitely wasn’t paying for a subscription that he didn’t know about
It seems like she doesn't want your help but just wants you to hear her out. She'll be in this spit for a long time if she doesn't make any changes. You're a patient soul Mr. Hammer
Yeah any law school that except her after the interviews might not be worth going to. She needs to grow up.
She's trying to make him her sugardaddy
@@nineteenfortyeight6762 my exact thought. she's here to advertise, not get advice. seems like thats the playbook for all his recent guests
You can have a mental break without spending money out. For example: I saved up some points from my grocery store, waited for some of my favourite “splurges” to go on sale, and had a really awesome pizza night at home. I got pizza, ice cream, ginger ale, and chips. With my points I only spent $10 and I have enough to last me for tonight as well. I really needed the mental break and I think it’s okay as long as you stay in your budget! Which I did :)
Similar thing here, if I've had a rough day at work or something... I can just, for example, go to pizza pizza and Maxi and get a medium pizza and a 7oz bag of store brand chips... for under 10 USD. I pay in cash and don't have debt, but I wouldn't see myself spending much more in this way. And just like that I have enough food for a couple meals. I can have dinner and leftovers for the following day. I don't get how people justify spending 50 dollars they don't have on ONE food delivery because they "needed a break". Good luck affording those breaks at this rate...
save up your cashback for a REAL break, after a year there should be a couple hundred for you to splurge on
@@RemixerDarken Go to Circle K and buy a medium soda for less than a dollar and some chips. Meat can be expensive in fast food so I just buy salmon scraps from the local grocery for REALLY cheap, toss it in the air frier with some soy sauce and random seasonings and done. I wouldn't even call it cooking.
Pizza night is a treat night too. Once every few months I do it and home cook and meal prep all other times. Simple pleasures!!! 🎉 actually bought my second coffee yesterday since Jan 2023 and got a free taquito. Can’t wait until Jan 2025!
The tiktok generation can only 'splurge' like all the other tiktokers to being in Ibiza or partying or what
Single mom with a full time job *and* doing school. That is tough in a society that pretty much requires two adults in a household working two full time jobs just to get by.
Not to mention, Dad's are important for the kid's well-being.
@@jvolstadsome dudes are genuinely deadbeats. We don't know her story so I can't hate.
I've met both dead beat dads and moms
All that work and she coulda just got a man
@@KidBowsursome parents are deadbeats* let's not place all the blame on dads/men. Women do the same stuff and both should equally be held accountable.
I couldn't have said this better. I was thinking the same.
Am I missing something?
The house is preventing her from getting more help she should probably sell it and cover all the debt she accumulated and get the help she needs
Either live in the house or sell it. She cant afford a rental when she cant afford to live on what she makes.
I kept thinking the same. I wonder how much equity she has in it. Selling it may give her a good chunk to pay some of this off.
Who knows if she can sell it to break even on it. It'll get taxed since she didn't live in it and there are fees associated with selling the property. She's still young so I doubt she paid much of it off.
She probably only paid 1.5 years of the mortgage, she would be in more debt by selling it. She just needs to raise the rent price.
@@gregutz4284 22.5k(15%) in capital gains tax is kind of a lot. I'm assuming she didn't live in there long enough to get 0%.
@@gregutz4284Depends.
Someone who charges credit cards like a wounded bull can't be trusted to sit on cash or stocks.
She's turning her nose up at retail, yet she was working in customer service and is an unqualified paralegal now.
Fiscally, yes, she's probably better off selling the house and buying and holding indexes.
Realistically, if she had access to that liquidity, she would probably piss it away while being even pickier about jobs with no qualifications.
The house is $700/month profit. I wouldn't touch it until/unless there's problems tenanting it.
It's also easily worth twice that much in rent she doesn't have to pay off she were to live there.
@@KevinEF Yup, she'll get hit with a capital gains tax when she sells IF she makes a profit on the sale of her rental. This is a problem with people buying rentals....they don't understand the full scope of the potential tax implications of having a rental property until it's too late and they are knee deep in it.
I definitely understand her anxiety about anticipating negative comments, especially from people who have better finances or who "would never do something stupid". I think the fire's lit and no one is talking about how impressive it is that she bought a house at 21 and is creating another stream of income so young. I think if she follows Caleb's advice, she'll set herself up in a FANTASTIC position by or before 30. I'd love to see her return for a follow-up.
The House is screwing her. My guess is she inherited money from her Mom, put it for the down payment and leased it based on passive income advice from social media. She hasn't been able to afford it and is taking out loans to upkeep it. She couldn't get food stamps because of it or any assistance when shee needed it.. She's house poor without even living in it.
I agree. She deserves A LOT of credit for that!!!! And it's cashflowing!!! And the girl lost her mom 7 years prior to this 😢😭 SHE IS A WINNNNNNNER. SHE just needs a mentality change. No more clubbing, drinking, partying. She will be a wonderful wife if she applies her mental fortitude to learning helpmeet/being a Godly wife. She has a lot of hope and potential. She just has to become a frugal woman, Proverbs 31, and before she is 30 she will be FARRRRR ahead of so many others her age. She's a great girl. I'm saying this as a 37 year old wife with three kids back to back who is a Bigger Pockets fan, no debt and working on Baby step #3 of the Dave Ramsey plan
while raising a child as a single mom, working on her bachelor's, and now working two jobs! she's honestly amazing as i cannot even imagine how hard all of this must be especially due to the loss of her own mother, the pandemic and measures against it like lockdowns, and the rising cost of living across the world. you're absolutely right, as is the comment which responded to yours; if she makes the changes suggested here, she's well on her way to creating an excellent future for herself and her child. i hope for all the best for her and her kid ❤
So much this! ❤
100%. The comment section is really inappropriate for what this show is supposed to be. This community should be a community of hope and it’s so toxic.
I will never understand why people think they need new furniture or cars or clothes. Am I the only one who still hits thrift stores or OfferUp?
🙋 I do and I am 63 y.o.!
Thredup is the goat for clothes!
i got a used camry a year and some change ago for 1300 bucks with 320k miles. spent like 700 bucks on parts and watched like 10 hours worth of videos to fixed the front end and timing belt for the first time. I dont understand why people need to flex with shiny stuff its really weird. i also got a sumsung tablet as a second monitor for like 200 bucks brand new
My couch is from a friends mom. She was upgrading bc it was 5 years old and I’ve had it for 6 years. Deff time to upgrade but paying off debt comes first.
Most people want to buy new but just means more second hand treasures for us