She must be eating A5 Waygu twice a week. I heard they were great for fat content, so it reduces cost on oil. From what I remember, she wasn't eating Michelin star quality food for her family - just typical fast food 😲
This girl was raised in a mindset of poverty, and her actions show it and that's sad. Poor people want iphones, nails, hair, concerts, eating out. She needs to learn a new way of living.
I work in housekeeping with single mothers that have new hairdos and fresh manicures every other week. We all make less than 20k. People just want to live it up I guess… I just made peace with the fact that I can’t afford to start a family.
I had a payday loan years ago when I was young. I had moved to go to college and My mother helped me to get out of it. I was so glad that happened. I learned from it. That is why these predatory loans are banned in some states.
Here's the thing. Yes financial literacy should be taught everywhere, but there is also a common sense aspect to this girl's problem. Something doesn't add up if you're taking out Payday loan after Payday loan on a $80,000 paycheck. No budget of financial literacy class should teach you not to take out 20 different loans AND go to expensive concerts. If you and I don't need $1200 a week in food, why does a baby need that? Everything she does is against common sense and shows lack of care for money.
@@millabasset1710That is why they need to be educated on finances. So they can control what can be and minimize the impact of what can't be controlled. That argument they can't control everything is like saying eat whatever you want, smoke and don't exercise because you are going to die anyway.
What concerned me was that almost EVERY question required a 45 second story or longer to answer the question of what the transaction was. As though she prepared her justifications before the show
Definitely sounds like the kind of case where even if she increases the income it'll just get wasted on frivolous wants instead of paying off the debts.
This is why i don't feel bad when i see those articles that say 60% of Americans are living paycheck to paycheck. I would be willing to bet that most of those people just dont know how, want to, or care to budget and sacrifice. 🤷
@@kevinursuchadiseaseyupp. I do financial coaching on the side. Most of our clients make solid income but just don't understand how to spend wisely. The ones who learn and improve, we r exciteddd, the ones who never change...make us wanna drown in depression 😅😅😅
it's just discouraging. You save hard, but that can be devoured by taxes, inflation, loan defaults, etc if everyone would act responsibly there would be more to go around
I would like to point out check engine lights are seldom faulty and should be addressed anytime they are illuminated. I personally never let one stay illuminated over a day or two without getting the code scanned. I would also point out that i do my own mechanical work and taking my cars to a mechanic would be prohibitively expensive.
That’s true. But it just depends on the code. A lot of dodges get check engine lights for an evap leak, which isn’t really a big deal (as far as performance wise), but the light needs to go away for emissions testing in my state
As one parent to another, if the child has a condition to where he can only eat a certain diet then I can see some level of difficulty, but still $1,200 a month is insane. I have a 3 year old myself and my wife and I don’t even spend more than $150-200 on food just for him alone
Omg! Well, getting her hair done with extensions like that costs about $300. This girl wants to spend. She thinks the more she spends the better her life is. To me that’s backwards, the more you keep the better your life is. If she doesn’t get herself under control she’s eventually going to get in such a hole that she’s doing some real crazy stuff for money, like taking out credit cards in her child’s name.
Graham - Mint is shutting down early 2024... probably best to stop pushing it. I started testing out Rocket and Monarch. But you should have a video on apps to manage finances, net worth, investments etc.
Mint is going away in January! Being absorbed by credit karma as I understand. I would hold on recommending them until it’s clear what’s happening there!
bottom line she's a narcissist - she puts herself first, her workout clothes before her child, her makeup before her child, flying to this show before her child, drake concert before her child, personal trainer before her child vacation before her child target, amazon, apple before her child Meaning of narcissist = Summer This is not difficult at all, she's just a terrible mother who only cares about her own wants. I would have loved for them to include how much in she spent on her child in the course of a month. and if you think i'm being hard on her, watch the video
Its still possible she gets it together. She did voluntarily go on Calebs show. She is starting therapy which shows a desire to change. Realize shes on the spot and probably unwilling to publically admit she messed up. Its possible she goes home and thinks about what Caleb said and has a lightbulb moment. Change tho is extremely hard. If she just pucks one thing to change each month she would slowly see better outcomes. I think when you have small wins it motivates you yo make more change. It's doubtfull she will be able to change all her habits at once. Scorched earth rarely works. Small incremental changes are far more doable and more likely to be maintained. Calebs show is fun to watch as are other finance shows and they certainly are valuable for avoiding some common pitfalls but they give unrealistic plans to the participants. Set them up to fail.
She should have gotten the light check to drive down to Austin (3hrs) because she still have to drive the car while she’s in Dallas. Just kicking the can down the road apparently.
Graham come on. Lol. The engine light comes on for a reason. Go to any auto parts store and scan for free. At least then you can see if it’s important repair or not.
I'm a mechanic and both my vehicles have a check engine light on year round. It's for evap in my case and I don't care. The only time you really need to be concerned is if it's flashing..
This is a very interesting video. We don’t know the full story. Emotional Spending problem . There are obligations and responsibilities that go will being independent.
She’s not climbing out of it. With her student debt and the MOUND she has in collections, coupled with the mental health problem of compulsive shopping? I would be shocked if she wasn’t already in bankruptcy.
If you can't see the difference, try reducing the lighting on your device. I definetely prefer this over Western contour now, because it looks good in 3D and not just on a frontal selfie. And it doesn't change my actual face shape, just adds dimension & depth, which helps my body image so much 💕 Finally I don't have an immediate urge to draw on new face every time I look in the mirror bare faced 🤗
Not only does she pay more for food for an infant them most families in whole but she works from home and needs weekly child care she uses her kid as a way to show off. She works from home but can't deal to take care of the child.
This is exactly the reason people say get rid of credit cards (and she should). It is like saying get rid of knifes in all kitchens, she is just abusing and not using them right.
The check engine light most times is faulty or a garbage light as long as you do normal maintenance and keep your car up. I have a code reader that I used to use on my old car and my dad tore apart my engine due to a sensor, fixed it, and it STILL CODED (he’s a mechanic) so most times just garbage sensors.
In high school I turned 18 at the start of my senior year and had gotten a student card from chase. I did have a part time job so I always paid it off. I just assumed you were supposed to pay your bills off completel😅😅 some people I think feel entitled to it and don’t even try to pay it off regardless of age
Seeing my favorite artist live is definitely very different that listening on Spotify. But honestly, I wouldn't spend more than $250 on a concert. Also I wouldn't go more than once a year.
it's very bad to take out payday loans and clime into crazy debt with terrible financial habits. it's disgusting and irresponsible to do this at the expense of her own kid and the part that disgusts me most about this is she doesn't even care one bit. she has to care to clime out of this and her actions are showing very little that she cares more about her kid than climing into to more terrible debt.
Going to a concert is way different than watching it on tv. It is fine to go to a concert if you can afford it but she is broke and can not afford it. If you are in debt don't go to concerts.
What's sad is I am in close to the same situation as this girl (except I dont have a spending problem).. unfortunately my husband doesn't make but $45,000 a year though so I am the breadwinner at $50,000 a year but our monthly bills take literally all of our checks since we have to rent & rent goes up every year. It's really sad & difficult especially with the economy how it is now
I think she couldn’t care less, about debt, collections, student loans. I wonder if there is an actual boyfriend- you have it so right that any boyfriend should be good for 80 bucks. She learned early on that there is no obligation to pay back what was spent on credit card- it will just go into collections. Meaningless words to someone who has her make up done in order to go to a concert.
Do you have a kickback deal/investment deal with Caleb? You've been enjoying his content to create content with lately. Did I miss it? I saw the Financial Audit you did with Caleb, guessing that's where the deal was made. I just haven't heard it in any of your Caleb videos, but I could've missed. it. I'm not hating, just curious how that works.
You cut one of the best parts. Where says she spends $1200/month on her toddler's food. As a parent on 2 I couldn't even wrap my head around that.
Blew my mind
She must be eating A5 Waygu twice a week. I heard they were great for fat content, so it reduces cost on oil.
From what I remember, she wasn't eating Michelin star quality food for her family - just typical fast food 😲
Her toddler, who “is a pescatarian”, and therefore needs his fresh (not frozen) smoked salmon! 😂😂😂
@@ScottishJazzmanOkay Nice One 👍👍
She feeds him fresh salmon, nothing frozen, will only shop at whole foods... She's just dense.
I saw someone take out a 4000+% payday loan once. I nearly lost my ghost.
RUIN ME
@@CalebHammerthe c HAM
@@CalebHammerWell that must have gave you a Headache?
You summoned the ghost of Caleb
I can't even imagine what the interest looks like on that. That's insane.
This girl was raised in a mindset of poverty, and her actions show it and that's sad. Poor people want iphones, nails, hair, concerts, eating out. She needs to learn a new way of living.
Imagine believing eye contact with drake is more important than your child’s future.
I can’t wait to get the context to this…
Freaking sad
so dumb
I work in housekeeping with single mothers that have new hairdos and fresh manicures every other week. We all make less than 20k. People just want to live it up I guess… I just made peace with the fact that I can’t afford to start a family.
I see what you did there
I had a payday loan years ago when I was young. I had moved to go to college and My mother helped me to get out of it. I was so glad that happened. I learned from it. That is why these predatory loans are banned in some states.
"That's not therapy... that's just math." Words of wisdom right there lol
This is why HIGHSCHOOL Financial Education should be MANDATORY! And treating mental issues is an investment
But then the ruling class wouldn't have easy marks to take money from and pay out slave wages to. /s
That’s half the solution, US citizens have no control over inflation, wages, taxes and property values.
Here's the thing. Yes financial literacy should be taught everywhere, but there is also a common sense aspect to this girl's problem. Something doesn't add up if you're taking out Payday loan after Payday loan on a $80,000 paycheck.
No budget of financial literacy class should teach you not to take out 20 different loans AND go to expensive concerts. If you and I don't need $1200 a week in food, why does a baby need that? Everything she does is against common sense and shows lack of care for money.
@@millabasset1710That is why they need to be educated on finances. So they can control what can be and minimize the impact of what can't be controlled. That argument they can't control everything is like saying eat whatever you want, smoke and don't exercise because you are going to die anyway.
They taught math what they didn't teach is discipline. This isn't a failure of the education system it's a failure of parenting.
What concerned me was that almost EVERY question required a 45 second story or longer to answer the question of what the transaction was. As though she prepared her justifications before the show
Definitely sounds like the kind of case where even if she increases the income it'll just get wasted on frivolous wants instead of paying off the debts.
I hvnt even started watching your video but I’m already so happy you choose to react to this Caleb audit because it truly was insane 😅
This is why i don't feel bad when i see those articles that say 60% of Americans are living paycheck to paycheck. I would be willing to bet that most of those people just dont know how, want to, or care to budget and sacrifice. 🤷
Agreed. Almost 50% of American households that earn $100k or more live paycheck to paycheck. That’s not a result of the system, that’s a choice.
@@kevinursuchadiseaseyupp. I do financial coaching on the side.
Most of our clients make solid income but just don't understand how to spend wisely.
The ones who learn and improve, we r exciteddd, the ones who never change...make us wanna drown in depression 😅😅😅
Summer is the epitome of immaturity, irresponsibility, lack of education, and lack of accountability. I don't see a bright financial future for her.
I’m over here trying to increase my saving percentage from 30% to 40%. Then I hear stories like these 😳😳😳
Hell yeah keep it up!
it's just discouraging. You save hard, but that can be devoured by taxes, inflation, loan defaults, etc
if everyone would act responsibly there would be more to go around
@@DG-mk7kd welp that’s just life! Stay hard!
I would like to point out check engine lights are seldom faulty and should be addressed anytime they are illuminated. I personally never let one stay illuminated over a day or two without getting the code scanned.
I would also point out that i do my own mechanical work and taking my cars to a mechanic would be prohibitively expensive.
Yeah, at least get a free scan at auto zone etc
That’s true. But it just depends on the code. A lot of dodges get check engine lights for an evap leak, which isn’t really a big deal (as far as performance wise), but the light needs to go away for emissions testing in my state
As one parent to another, if the child has a condition to where he can only eat a certain diet then I can see some level of difficulty, but still $1,200 a month is insane. I have a 3 year old myself and my wife and I don’t even spend more than $150-200 on food just for him alone
The Drake thing and hiring a personal trainer just killed it for me. Holy hell smh
Omg! Well, getting her hair done with extensions like that costs about $300. This girl wants to spend. She thinks the more she spends the better her life is. To me that’s backwards, the more you keep the better your life is. If she doesn’t get herself under control she’s eventually going to get in such a hole that she’s doing some real crazy stuff for money, like taking out credit cards in her child’s name.
Keeping up with the Joneses is a hell of a drug
She's keeping up with the Kardashians.
Exactly! This is why she cannot pay her debts. She has her nails done, but taking out payday loans.
Graham - Mint is shutting down early 2024... probably best to stop pushing it. I started testing out Rocket and Monarch. But you should have a video on apps to manage finances, net worth, investments etc.
Mint is going away in January! Being absorbed by credit karma as I understand. I would hold on recommending them until it’s clear what’s happening there!
Interesting, thank you
Another great app is empower capital.
Ramsey Solutions is hoping to gain the budgeting portion of mint with Every Dollar.
Videos like this help make normal people feel better about how badly they manage their finances.
bottom line she's a narcissist - she puts herself first,
her workout clothes before her child,
her makeup before her child,
flying to this show before her child,
drake concert before her child,
personal trainer before her child
vacation before her child
target, amazon, apple before her child
Meaning of narcissist = Summer
This is not difficult at all, she's just a terrible mother who only cares about her own wants.
I would have loved for them to include how much in she spent on her child in the course of a month.
and if you think i'm being hard on her, watch the video
Now i wait for Graham to drop a reaction video of the financial masochist caleb just audited this past Friday.
No hope for this one. Maybe bankruptcy and horrible credit will stop the spending. Not sure what else would do it.
Its still possible she gets it together. She did voluntarily go on Calebs show. She is starting therapy which shows a desire to change. Realize shes on the spot and probably unwilling to publically admit she messed up. Its possible she goes home and thinks about what Caleb said and has a lightbulb moment. Change tho is extremely hard. If she just pucks one thing to change each month she would slowly see better outcomes. I think when you have small wins it motivates you yo make more change. It's doubtfull she will be able to change all her habits at once. Scorched earth rarely works. Small incremental changes are far more doable and more likely to be maintained. Calebs show is fun to watch as are other finance shows and they certainly are valuable for avoiding some common pitfalls but they give unrealistic plans to the participants. Set them up to fail.
She volunteered to go on his show so she could tell her friends, “ look at me, I was on a you tube show. Ain’t I great”
Daycare at $200 a day? Just stay home at that point.
She works from home!! This is madness!!!
This is crazy. And here saving 60% of my 3k paycheck 😅
that's pretty good.
Keep it up!
@@andyb8015 Yeah, but it will not get me anywhere long-term. Have to put some work in to make a lot more, but I have no discipline😅
Since I’ve seen the full episode, I’m here waiting for Graham to get to the point of her talking about her TWO year olds diet…
You should for sure never ignore a check engine light graham 😂 that’s coming from a family of mechanics lol
Only if you have a OBD2 & know it’s some bs sensor 😂 haha
She should have gotten the light check to drive down to Austin (3hrs) because she still have to drive the car while she’s in Dallas. Just kicking the can down the road apparently.
Texas is a very expensive place to live despite not having state income tax.
The strobe light check engine light took me out lol
With Mint shutting down, what would you recommend for tracking spending categories?
The clip of the knock out drake had me in TEARS 🤣🤣🤣
Wow at the end their poor Caleb.
I could feel that emotional damage.
He don’t wanna audit me, it’s bad. But at least I don’t have kids
Priorities are all messed up🤦🏻♀️
Bro, I'm drinking Don Julio 1942 and diggin this video! Cheers!
Graham come on. Lol. The engine light comes on for a reason. Go to any auto parts store and scan for free. At least then you can see if it’s important repair or not.
isnt mint closing down?
Finally a new shirt!! Blue is a good color G
The few people i know who have been on public assistance go on vacay a few times a year and drive fancy cars, eating out all the time.
This episode was rough to watch, can’t wait to see what you have to say about it.
14:12 I thought mint was dead
Best episode ever😅😅😅😢😢😢
Whenever I feel bad about myself, I am going to come back to this video 😆
Bruh 😂
U bad
It’s strange for me to see these types of loans, crazy. I have a student loan debt of 2,95% and I feel bad about it
glad you commented on this one its crazy!
Financial Education Class should be Damn Mandatory
- To make you aware of all the predatory Credit Cards/ Payday Loans/ Dept in general!
I'm a mechanic and both my vehicles have a check engine light on year round. It's for evap in my case and I don't care. The only time you really need to be concerned is if it's flashing..
I use Empower and Cleo. But, you have to be careful with that. Use it responsibly lol.
I’m 20 in college and already have $7,000 in my roth ira… and she doesn’t have a grand
Good for you! You’re going to have a fantastic life!
Probably regretting seeing Drake now 😂😂😂
I did not get my first credit card until I was 24! I’m glad I waited.
I love , we need these people to fund us yes baby
Grahm, Mint is being discontinued. Only rocket money and whatever Intuit does with Credit Karma which is suppose to replace it.
You all didn't have Gail (Vaz-Oxlade) in your life growing up. She called those and playing lotto the stupid tax.
Money money money money 😅
Love her shows! Til Debt do Us Part, Money Moron, Prince$$...
You shouldve talked about 1200 she spends on BBY food per month lol it got WORSE ...
And her wild caught Whole Foods salmon 😑
I’ve always wondered - what is the black thing above the laptop which is in the way of the orange light? 🤔
Financial education should start in kindergarten.
This is a very interesting video.
We don’t know the full story.
Emotional Spending problem .
There are obligations and responsibilities that go will being independent.
I’m a big fan of your videos keep up the work
She’s not climbing out of it. With her student debt and the MOUND she has in collections, coupled with the mental health problem of compulsive shopping? I would be shocked if she wasn’t already in bankruptcy.
Per Ramsey it's Rice and Beans time .
Great video
She's probably never heard the term "deferred gratification."
14:20 that Mint bit didn't age so well lol.
Check Engine light has been on for more than 12 years 😅
If you can't see the difference, try reducing the lighting on your device.
I definetely prefer this over Western contour now, because it looks good in 3D and not just on a frontal selfie. And it doesn't change my actual face shape, just adds dimension & depth, which helps my body image so much 💕 Finally I don't have an immediate urge to draw on new face every time I look in the mirror bare faced 🤗
Not only does she pay more for food for an infant them most families in whole but she works from home and needs weekly child care she uses her kid as a way to show off. She works from home but can't deal to take care of the child.
I need to get my life together.
This is exactly the reason people say get rid of credit cards (and she should). It is like saying get rid of knifes in all kitchens, she is just abusing and not using them right.
The check engine light most times is faulty or a garbage light as long as you do normal maintenance and keep your car up. I have a code reader that I used to use on my old car and my dad tore apart my engine due to a sensor, fixed it, and it STILL CODED (he’s a mechanic) so most times just garbage sensors.
Ive caught my mom getting these loans rather than asking... breaks me...
In high school I turned 18 at the start of my senior year and had gotten a student card from chase. I did have a part time job so I always paid it off. I just assumed you were supposed to pay your bills off completel😅😅 some people I think feel entitled to it and don’t even try to pay it off regardless of age
Wait till graham sees the episode that dropped Friday
And wait until you see the video that drops on Monday. Idk how we keep getting situations that are worse and wrose
This can’t be real….I call clickbait 😂
Seeing my favorite artist live is definitely very different that listening on Spotify. But honestly, I wouldn't spend more than $250 on a concert. Also I wouldn't go more than once a year.
How did the spending $2000 on baby food a month not make this video
It’s crazy to see the views going on up this video as I’m watching it 😮
That drake clip was outta pocket 💀
Credit one was my first credit card cause no one else would approve me.
I can’t believe ppl waste money on therapy and accountants they can’t afford, ppl are fing stupid 🤦♀️🤦♀️
it's very bad to take out payday loans and clime into crazy debt with terrible financial habits. it's disgusting and irresponsible to do this at the expense of her own kid and the part that disgusts me most about this is she doesn't even care one bit. she has to care to clime out of this and her actions are showing very little that she cares more about her kid than climing into to more terrible debt.
She has more than a “spending problem”.
It can get so bad for her when they wage garnish.
That video was epic, lol
Going to a concert is way different than watching it on tv. It is fine to go to a concert if you can afford it but she is broke and can not afford it. If you are in debt don't go to concerts.
What do think about not paying back student loans ?
Dumb, pay them off the govt is not saving us
If u take student loans u have to pay them back
What's sad is I am in close to the same situation as this girl (except I dont have a spending problem).. unfortunately my husband doesn't make but $45,000 a year though so I am the breadwinner at $50,000 a year but our monthly bills take literally all of our checks since we have to rent & rent goes up every year. It's really sad & difficult especially with the economy how it is now
And with it all going up everything going up except our income
I think she couldn’t care less, about debt, collections, student loans. I wonder if there is an actual boyfriend- you have it so right that any boyfriend should be good for 80 bucks. She learned early on that there is no obligation to pay back what was spent on credit card- it will just go into collections. Meaningless words to someone who has her make up done in order to go to a concert.
This is why people say “I can’t afford to pay my bills and food” uhhhh ok
❤❤❤
So not true that Whole Foods is all that expensive. Their house brands are CHEAP. And their sales are great.
Still liking!
Don't have babies if you can't afford them. End of story.
why is grant trying to make the boyfriend pay for the girlfriends issues????? not his kid not his debt not his problems.
Is that a silver snoopy graham?
I remember this episode. I was so disgusted at her.
Do you have a kickback deal/investment deal with Caleb? You've been enjoying his content to create content with lately. Did I miss it? I saw the Financial Audit you did with Caleb, guessing that's where the deal was made. I just haven't heard it in any of your Caleb videos, but I could've missed. it. I'm not hating, just curious how that works.
I think it's just friendly. Caleb's channel blew up once Graham started reacting - it's how I found Caleb😁
I love his reaction videos! He gives a take on Caleb's advice that drives home the wisdom in finances.
I think she lying about how much money they make.
Boyfriend is a piece of work - he makes a good income but they aren't working together.