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I’m really sorry, but it doesn’t take a genius to recognize a personality disorder, and I worked as an RN-BSN in EDs for twenty years. This chick needs to be hospitalized and put on meds to flatten the manic. I pity her family.
The thumbnails keep getting worse and worse of Caleb 😅 and darker and darker as well - I really liked the older more creative thumbnails - much more click grabby too
I see this attitude quite often when talking with people who want UBI and who complain that their minimum wage barista job doesn’t pay the bills. They insist that they should be able to buy Starbucks and fast food every day and still be able to afford to live on their tiny wages, they don’t like the idea of giving up excess comforts.
@winry2357 Red herring. You're conflating multiple things. People advocate for UBI because the rise in worker compensation in the US has been stomped into the dirt compared to the rise in GDP. Look at a graph comparing productivity to average takehome pay. You'll see the two lines plot nearly one-to-one with another, and the around Regan worker pay flattened while productivity continue to grow at the same pace. It's the reason why we have such insane wealth disparity (current day US has worse wealth disparity than France did when they started lopping of heads, to put it in perspective). 50 years ago your milkman, whose literal job was dropping of milk, could afford a 1600 square foot house with a lawn in any suburb at the heart of a city with a wife and two kids, all on one income. Today, you can work 60 hours a week at a comparable job and you will NEVER be a homeowner unless you have other sources of wealth; in fact, you're statically speaking likely in debt, even if you're frugal. THAT is why people want UBI. You're conflating it with financial nihilism, which is a whole different thing.
Yeah, I was homeless for like two months, in a college town, when I was 19. Basically the easiest kind of homelessness to live with, and that still was enough to scare me away from that for life.
Saying your family is middle class when your parents paid for private school and some college and given you over $17000 in “gifts” may be the most aggressively delusional thing to date
My sibling got $19k and then has the audacity to act like our parents are so awful he cant speak to or visit them. But he siphoned almost $20k from senior citizens and has no empathy or remorse.
My parents are quite wealthy but if you call them upper class they lose their shit. They don't understand that people who have horses, go on international vacations every year and own income properties are not "middle class". They think that because they go to work everyday that makes them middle class. It's a very common delusion among rich people.
And as a parent, it shows the importance of seriously letting your kids struggle and solving their own problems sometimes. I'm not saying create issues and trauma for your kids like my mom did, but ask them how they are going to solve a problem they created and let them fail occasionally. Failure is an awesome learning tool if handled right.
How do people not understand minimum payments literally are getting you nowhere? All it does is keep the banks off your back but as far as progress, you'll never get anywhere paying off that card and you end up paying 10 grand on something that would have cost 2500 bucks. That's the trap. And just you wait, the second the banks see you making headway on your account and chewing up the debt they'll raise your credit limit to entice you and get back on the wheel. Ignorance is the backbone of credit card companies staying around.
@Nickcoasttocoast I was homeless for 3 years in Southern California. I was strung out- 10 years sober now. That being said... It's not that bad. There's a very real type of freedom to homelessness.
Look, Caleb. I've never been on fire. Why do you expect me to be AFRAID of being set on fire? I've never experienced it, so its not in my reality, why would I be afraid of being set on fire and burning to death!?
Someone had to learn 'ouch fire hot' more than once I think. I hope she can work on her mindset enough to change how she views this stuff. But then again she does seem almost happy so maybe its me that's stupid for worrying about finances
I can imagine for some people if you are legitimately this out of touch it may be hard to understand homelessness, what i dont get is why she thinks that if it happened to her it would be ok.. i get not understanding the depth of how terrible it is... but to think its not so bad and she would be okay is so confusing to me. I think she may have been rage baiting for real. @@Al_Does_Stuff
Agreed. Something about the way she was acting reminded me of when people are far into alcoholism and have figured out how to "function" and hide it well, but not completely.
I thought the same thing, she reminds me of those girls at the bar that get pissed at you but you can’t understand why or what they’re trying to communicate
Come on, they probably put her into private school because they knew she would never make it through public school. As long as you pay the tuition and the child doesn't cause any real trouble they will at least end up with some kind of diploma at the end of private school.
When she finally realizes what she’s done and starts crying, THAT very moment is the reason Caleb does this. To truly show people the mistakes and danger their financial situation will lead them to. Good job, Caleb. Amazing work 👏🏻
This comment needs to be higher. Most of the comments that have the most likes were before her meltdown. She might be able to turn her asinine stupidity around but it’s an all fronts battle for her.
I’m kinda worried about Caleb in this one…I’ve had breakdowns and this was how I behaved beforehand (I’m sure he’s fine buuuut). When I am not well my social skills are the first thing to go….i may b projecting tho…totally possible🤷♀️
It reminds of me when I watch a show like On Patrol Live where it seems like every other person they pull over is driving without a license. Just baffling.
i don't care about poor people not paying their taxes... it is the billionaires, millionaires, businesses and ALL religious organizations... that don't pay their taxes .... that are the problem
@@Gunshin01I thought the same thing. I was in the court a lot from the age of 18-20 for traffic violations never had license suspension. I would say roughly 30% of the traffic violations that were in court that I’ve seen were suspended license. So in my perspective it’s not surprising
Ngl, I hope her employers see this video and let her go. She doesn’t have the responsibility or proper view of reality to be raising kids and teaching them proper values
Right? She’s 30 but has the mentality of a 15 year old…She isn’t evading taxes. She just doesn’t even know that she has to file taxes. Bro! That’s just basic life skills that everyone learns by the time they’re 30. Whether you’re W2’d or work for yourself, you gotta pay Uncle Sam. 🤦♂️
I spent a couple years in private school, and this is exactly how it went. The quality of the education was trash. The school was not accredited by the state. The kids that graduated from there all went nowhere in life.
I don't know if you remember the one lady who got super upset that Caleb asked her why she didn't let her kid go to public school. I hope she sees this video.
@@tango976 seriously, it's simps like inhoseo that are making the problems we have today. Men have made life so easy for women, that they don't even realize how terrible homelessness is... And if her bf stopped paying her rent, another simp would step right up.
Her thoughts were likely: well, I can never pay that off anyway... The sad and scary part is that she has no idea what other consequences are connected to that debt. At some point, she won't get another credit card. She won't get another car loan. She won't qualify for a mortgage. She doesn't understand that people do not pay off their debt because they like to do so but because they must in order to not be hindered by that debt in the future. She doesn't seem capable of planning ahead and making the right choices for her "future self" because she can not imagine a future where everything is not going according to her plan, like losing her boyfriend or her parents dying one day.
She’s just arguing to argue at this point I cannot imagine that this girl LITERALLY thinks that becoming homeless is just a “life lesson” as someone who is also from California and currently lives there, she damn well knows how bad the homeless epidemic is and how many people would kill to be in her position. So entitled.
She’s using semantics to control the conversation. Notice even the most simple questions she won’t answer and directs back to him. Textbook case of narcissism.
Its nothing to do with what Caleb said. He came out as a agitated angry little man. And she responded in kind. He could of said anything. If he starts like that of course you are going to get weird response from people. The last two episodes he been good. But this is Caleb at his worst.
@ When you don’t fucking answer any questions and immediately try to deflect everything he’s asking he would be rightfully pissed off. She came on asking for help, he asks questions to figure out her financial situation and she turns it into a game of semantics. Why should Caleb have any respect for her at that point?
@DUMPTRUCK___ Yup, because caleb came out swinging, and agitated. No chat, just fire and brimstone. It wasnt productive, and for her she responded by not being productive.
She wasn't the worst guest. The nasty hippy that had a camping timeshare was insufferable. This chick seemed to have a good heart and was maybe just a little slow. A good heart goes a long way in a relationship.
I agree, the hippie was worse. That one wanted to be that way. This one seems to be that way naturally and yes, maybe because she is a bit slow and would have needed (more) specialized help early on. Like practical life skills instead of college, staying close to her parents so they can have an eye on her, less financial enabling by he mother...
A woman was literally set on fire and died in New York for falling asleep on a train but sure you’re safe if you’re homeless, I feel like even if she hits rock bottom and comes back from it her excuse is going to be that it wasn’t that bad and she can get out of it
As someone in recovery that has only hit rock bottom once (the other times I KNEW IT WAS COMING so I went into program BEFORE I hit rock bottom), hitting rock bottom doesn't even guarantee a change. Sometimes you need to stay at rock bottom for awhile before you get sick of it. Also: people don't NEED to hit rock bottom. It's actually better when people RECOGNIZE it's coming and STOP BEFORE THE BOTTOM. I've done that several times and it ALWAYS works out better: legally, financially, socially, every way possible it's better to get help BEFORE you're forced to. Slightly different perspective (I'm talking about drg addict10n not her privilege) but similar end results. I personally think her "rock bottom" is so far down because of her parents and support system that IDK if she would ever even HIT IT unless her parents gave up on her and kicked her out. But if they let her live with them the entire time she runs out of money? She hasn't really hit rock bottom then. And again: you don't NEED to hit rock bottom to change. It DOES SPUR IT, but not always.
@@Pigtrapper yeah, in Texas you don't have a train to sleep on if you're homeless you have to sleep outside in the elements. You also have fewer social programs for homeless people to help them. Finally: everyone there has a gun, so instead of setting someone on fire they could just do it a lot quicker... A bit unrelated but many people don't know but every year around the same amount (around a hundred or so, maybe more) of homeless people in NYC die during the winter by freezing to death in the elements.
@@joshn0524she’s never experienced homelessness. She’s never ever been hungry without a means to feed herself. Shes never been too hot or too cold outside without a place to sit and just feel comfortable enough to relax. It’s an entirely different world.
I’m convinced that Caleb’s crew of employees who do the selecting process are trying to make him croak from a heart attack and high blood pressure before 30.
As soon as she said she has a early child education degree but doesn’t see education as necessary. I can confirm she probably took that major since having summers off sounded cool at the time, but then couldn’t pass the actual certification exams, then fell down that “school sucks it shouldn’t exist, kids don’t need structured education, unschooling” pipeline.
becoming a teacher is WAY more work than people realize. From the actual degree work to student teaching to lesson plan development to grade tracking and state standards, plus dealing with parents after you're actually a teacher...OMG I could never do it.
Unfortunately a lot of younger women go into childcare because they think it's "easy" and, "I liked babysitting in high school so I can be a daycare teacher!"
elementary schools are so twisted these days anyways she’s not far off. Coming from someone who works for a school district and father has been a teacher for 20 years.
@@AmmoPack You do have a point, but it comes off as an oversimplification of the matter. While there are definitely issues within various elementary schools across this country, it would be wrong to discredit the education system as a whole. Especially considering the rise of anti-intellectualism among the adult population and the falling literacy rates in the growing youth. this woman entering the public school system would only worsen those statistics.
I kept thinking she must be joking with him about how she wasn’t understanding and misheard common phrases- which she didn’t seem to have ever heard before. The parents wasted a lot of money on her schooling. The lights are on but no one is home. I’d love to know what her IQ is!
@@louiem5778 thats exactly what i thought, dated a girl in college like this and eventualy had to let her go as I couldnt have a conversation, lotts of things shes failing to comprehend and theyre not hard concepts yet theres some lack of sensing dire situations and just geting a job and grinding to stabalize yourself.
I can't believe this lady is in the same generation as me. How she managed to survive this long is a miracle on its own because she's dug a hole of delusion so far that she won't get out of. Man, 22 years of private education plus 8 years of adulthood and she turned out like this? She should get a refund for garbage education she received.
@@87Strong Can you imagine her at public school? She would have had no chance. Her parents likely put her in a more sheltered environment and hoped for the best. At least she finished school this way.
Omggggg how can anyone put up with her, nevermind as a relationship partner?!😭 I REALLY hope this is all just a joke & she's not actually like this, bc WOW. Her making this a joke isn't the best thing either, it's extremely immature & annoying, but I feel like it's better than actually believing all of this & literally living your life like this lol snh
The most important thing a woman can do is stand on their own two feet financially. Life can change in an instant in a good or bad way. Protect yourself ladies!
The amount of patience Caleb has in order to be able to finish conversations with more than half of the guests is commendable. I would have gave up a few minutes in
She doesn't even know that private school and paying for college is a wealthy thing. While I hesitate to call her stupid, she's clearly sheltered. So amazingly sheltered that she never HAD to use her brain. She has parents to fall back on when her beauty no longer woos her boyfriend enough to deal with a financial anchor. When things don't work she doesn't need to reevaluate, she can just shrug her shoulder and revel in her safety net. She actually thinks homelessness is 'not that bad.' Unless she has am abusive situation she getting away from, that's a wild statement to make. Her verbal comebacks frustrating Caleb shows she can think. She just had no actual will nor desire for self improvement or independence. She haa no need for critical thinking. How can she use skills she never had to use all her life?
@@danmoss1685 Nah, californians are smarter than this, she's just completely brainrotted and probably has never considered a career or future. Always assumed that she's a gift and some wealthy husband will take care of her for life.
HAHAHAH yes! Definitely could troll with that also GIRL MATH lol But I surprisingly am one of the apparent 5 people in the US that pay taxes and actually pay my debts 🙃
I got myself into some debt in my early 20s. Realised I was being stupid, paid it off by living frugally for a year. Now I live by my dad’s mantra of ‘you haven’t got money if you spend it’. Me and my husband own a house outright that we rent out and have a small mortgage on the one we live in. We save up for cars and buy them outright. We don’t go into debt for anything. If we can’t buy it we don’t have it- what is really nice is by living by that mantra you actually have money for nice holidays and nice things. I can’t believe I’ve felt like a financial idiot for years because I had a few thousand on a credit card 20 years ago- and learnt from it. I was an absolute angel in comparison to these people he gets on here! 😂
I actually more so feel bad for her. She seems like she’s legitimately not intelligent enough to understand what’s going on. Shame on those private schools they utterly failed her.
Feeling bad for her is what got her to this point to begin with. People take pity on her because "she's doing her best" and this is the result. She definitely won all the participation badges in school and the only redeeming quality of her is that she's breathing and alive. The school system didn't fail her, she failed herself by not employing anything taught in school.
As someone who lived in a hotel room with 2 disabled people through covid, homelessness sucks. Our house burned down. We lost family members, pets, and everything we owned. I had to sleep on the pullout couch so my family members were more comfortable with their physical disabilities. Having my own house, my own bathroom, my own bedroom full of everything i love and hold dear to me has been so humbling. I love being home. I don't want to go anywhere else. This girl wouldn't survive out in the real world.
So very happy things are much better for you and your family. Thank you for taking care of your family members. I am putting blessings for you out into the universe. I send you strength 1hg when times are tough.
Being financially reliant on a man is the MOST DANGEROUS thing a woman can do. Many women in DV/unsafe situations can’t leave due to having no financial back up because they are reliant on their partners like this woman is.
This woman is frighteningly dumb. She says she went to school and works but she does not understand what a credit card is or like how life works at all? I don’t know if it’s an intellectual or a psychological impairment but yeah it’s generally not a very wise idea but this person seems to not be all there in general. I don’t know if I’m allowed to comment this.
You're saying that without bringing up the statistics on how many women that are DV victims are *also* economically independent and how many economically dependent women *aren't* victims.
Yes! I chose to be a stay-ay-home because it was best for my family situation and I love it, but I was sure to have my own account too. The work I put in saving us money meal planning, couponing, cooking, and doing all the home maintenance and "daycare" for our family was worthwhile for me to have my own retirement account. We plan on enjoying our savings together in old age, but things happen and every stay-at-home partner should have their own savings.
The statement “it’s not that bad being homeless” is one of thee most disgusting statements I’ve heard out of someone’s mouth. I volunteer frequently with the unhoused and let me tell you, it is that bad. Especially for women. This girl’s privilege is off the charts😒
Exactly, i’ve been homeless myself, and it was hard enough for me as a young male. I Can’t imagine how hard it is on women, young women specifically. Everyone’s looking to take advantage of you, how she doesn’t see that is beyond me. She wouldn’t last 30 minutes homeless.
I work in homelessness prevention, specifically eviction prevention, and I've seen numerous times how easy it is to fall into homelessness. We work to prevent homelessness because once you experience it, it just gets significantly harder to get out.
Agreed. There was a patient who fell and broke his back and spine working on painting a house (his job)-literally we had him for a month in Nuero ICU in metal brackets strapped to a bed so he couldn’t move his neck bc if he did he could die. While there he was evicted. I would see him panhandling months later and asked why. He got on disability but now had an eviction and was hard to find a place, plus fixed income on disability. 😢 One slip. His life is never the same. So easy.
I'm a nanny, have been for many years. should this chick really be molding young minds??? she seems like she lives in la la land where mom, dad, and boyfriend will take care of her. edit: after watching more i absolutely would never let her watch my children she is more incompetent than i thought 🤣
She is probably great at being on their level and validating their feelings and emotions. She seems very caring. Perfect for caring for kids. Not so much for teaching them about their future.
I've never understood this phrase, as much as I do after seeing this lady-for real, with 100 percent certainty, I have never understood it, basically at all, until seeing this lady. She's like skin that's just walking, there is absolutely nothing cognitively going on.. upsetty spaghetti
I was mad at her at first, but by the end of the episode you can see her distress. I think she took it seriously by the last 10 minutes, but you can see it hit her like a truck. I hope she will be able to tackle this. Clearly she has the abilities to, and I wish her the best for the future.
It’s not so bad being homeless? Coming from someone who works with the homeless population it’s not good. To be in a position in life to say something like that is.. wild.
I have been homeless as a 20 yr old in the street and it was awful. I wasn’t on drugs or anything but I was scammed by my sister and her (now ex) husband and my mom took their side and tossed me out like garbage
I'm sure people think oh I'll just to have to sleep in my car for a little while. They dont see the circle of missed payments, collections, can't get a decent interest rate, can't access a loan or a card, can't get signed on a lease. It's a slippy slope and you'll go down a hell of a lot faster than you can ever get out.
@@ChargedWordsnot to mention if it’s someone like her that has a big balance and payment on their car it can get repoed and then they don’t even have an enclosure to sleep/live in anymore
Says she wants to be a mom and then says after working a 25 hour week with children that aren’t even hers that she’s being paid to take care of, she’s too tired to cook even a single meal for herself. As a homeschooling mom of 2, I promise you will never be ready to have children if that’s how you feel after 25 out of the 168 hours in a week.
Devil’s advocate, I nannied for a couple years before I had kids and it was so much more exhausting than my own three children that I have now. It honestly is so different with your own kids, in my own experience. However I nannied for 6-8 hrs a day 5 days a week.
@@Username0467yes. Many people are ready for kids. There is a basic minimum capability that should be established before having children. Period. It’s LIFE. It’s a PERSON. Not fair to bring one into the world on purpose without a plan, stability, and basic knowledge.
She’s a nanny? She has no common sense whatsoever. If I saw this and seen how she is acting and I was employing her to help raise my kids I would immediately find someone else.
Is that a good idea though? She would tell the people there that they just "have to figure it out" and "get another job" and different from all the others who look down on the homeless ones she would actually believe that she is helping them with that and not see how condescending it is. She would need a chaperone for volunteering there. To keep her save.
It was 17 degrees over the weekend here in nyc. I walked past homeless people sleeping on the street trying to keep warm with a couple of blankets. It was heartbreaking but it is an ABSOLUTE reality that we can all experience. I don’t understand adults that think they can destroy their finances but won’t experience the consequences of that.
Yep she said it’s not that bad. Bc she’s seen it in CA. Land of Surf and Sun. In Boston it was 10*F The homeless here think it’s bad. They come to my job to sleep in the warmth when they miss shelter cut off times. WTH was she talking about 😅
"Do you do Turbotax?" "Not anymore we're beyond that." 🤣It reminds me of Breaking Bad when Skylar told the IRS agent she used Quicken to do their taxes.
This is the only episode ever where my reaction to the guest 100% matches Caleb's reaction-- which actually makes me think that he reacted as calmly as he could.
She went to private schools and college, but she's a 30 year old part-time nanny who lives in her bf's apartment and is in tons of needless debt. 🤦🏼♀️ This mindset is why stupid kids become stupid adults who just sponge off those around them and the government. I can't tell if she has a mental disorder or she just doesn't care enough about anything at all.
I think honestly, this is the saddest episode of the year and I really hope that she is able to eventually come to realize how potentially bad of a situation she's in.
Honestly, I can see how she is probably a great nanny. That girl’s got patience! I can see her argue back and forth with kids all day. Although I agree with Caleb, he did go a bit overboard with the insults on this one. Seriously, I don‘t think there are many people out there that you can berate for such a long time without that triggering some kind of defense mechanism (anger, hubris, tears). I must say it was somewhat impressive. I wish I could be as unimpacted by direct „attacts“ like she was. It really is a skill….
She's paid under the table, no plans of paying income tax, is probably on unemployment, and has every intention of declaring bankruptcy later. This is what my father would call " A seven-layer loser"
It’s not fake but it’s most likely an unconscious act she’s developed to elicit a negative response from people. It’s a key element of Narcissistic Personality Disorder. They “feed” off of people like Caleb having an emotional lashing out. It’s a personality disorder that really isn’t curable. If you look it up you’ll start noticing it in people all around you.
Caleb needs to break out the Monopoly money and show these people how much money they have and how many hours of work they have to do to pay off the interest on their loans. Look up Gail Vaz-Oxlade’s shows Princess and ‘Til Debt Do Us Part, where she shows these people the consequences of their actions. She’s a Canadian celebrity who doesn’t take any BS
Exactly!! She will live with her UPPER MIDDLE CLASS parents. It's an upgrade to her life now. Of course it doesn't seem bad. "I don't need an emergency fund. I need food, water, sunlight....." 🤦♀️
She's a tiktoker, so I think she was thinking like a fist bump, got confused by the open hand, so probably was thinking like a low five, wound up just mirroring without thinking, and had a full brain freeze trying to reassess. Considering the cameras filming, I'll give her a pass for nerves.
My dad passed away 9 months before my 30th birthday. He was diagnosed with an autoimmune disorder and died a month later. It's not out of the realm of possibility for her to lose her parents at this age and she is not prepared to take care of herself if that should happen. I hope it doesn't, but she's acting like it's impossible and it's not.
I don't how people say "my reality" or "well that's not my reality". Reality is not subjective. If you break up with the person who pays the rent, the REALITY IS you will be homeless and the REALITY is you are more subject to violent crime. That does not pick and choose who it affects.
She was likely never pushed to actually "figure it out" even just in theory. Every time someone asked her she would just answer "I will figure it out" and people left it at that because they were her family or friends. When Caleb pushed she had to come up with an answer for the first time and that was "my parents". When he tried to take that option away by saying her parents would someday no longer be there she had no clue what to do. That might require some long talks with a professional to figure out why she is so incapable of imagining future scenarios that are less than ideal.
I’m just going to call it….ENTITLED. I left home as soon as I turned 18 and only stayed that long because I partly parented a young sister. My mother was negligent and abusive, would not want anyone to have to go through it…. Still I’m glad I was not spoiled, entitled and especially ENABLED I’m an independent person and great-full for so little and so much…. NO ONE CAN TAKE ADVANTAGE.
I think in her case, it's more "privileged" plus a bit "slow". She doesn't seem to really grasp how privileged she is. And yes, enablement from her parents, looks like mom more than dad.
Saying that being homeless won’t be that bad is insane and her not being able to imagine a situation where she isn’t able to bounce back shows a huge lack of cognitive empathy
This applies even to those directly employed by families. It is the caregivers responsibility to provide W-2s and pay employment taxes. They don't have the perks of being an independent contractor like dictating their schedule.
Please stop giving space on the show to people that dont care about fixing anything. There's got to be a lot of people out there who genuinely need and want the help.
I’m a teacher, I’m really glad she chose nannying instead of teaching. I always find it really disrespectful when people choose teaching thinking it’ll be an “easy out”. Babe, I’m really proud of u for choosing something else and making a better choice, it saved a lot of kids a lot of harm.
I'm angry at the college that gave her that degree. There should have been something preventing that. Teachers need a certain level of maturity and understanding of the world to properly, well, teach children. I think she would be much better off with some sort of craft / trade. Like cultivating flowers and selling them or something. While someone else handles bookkeeping and taxes. Something where she can see the results firsthand on a short-term basis and doesn't have to carry much responsibility and where the worst consequence would be her flowers wilting - I'm sure she would be more upset about that than she is about her credit card debt because it's a visible, touchable consequence and not just some numbers somewhere.
"It was the voice of one who had never been dirty or hungry, and could not successfully guess what dirt and hunger were." - E. M. Forster, "Howard's End"
The philosopher part comes from the stuff she watches on TikTok, I think. In some of her answers, you can hear the pseudo-philosophical things people preach there. You know the whole "not my reality" thing sounds just like the "manifest your ideal life" stuff over on TikTok. Sadly she doesn't seem to have the capability to question those things on a deeper level - or at all. Yes, I think she needed an audit in very simple language, she clearly wasn't following in some parts.
She reminds me of a colleague. Asks a question, then as soon as anyone starts to answer it they talk over you non stop. Can't tell you how many times I've had to tell them to stfu.
Im not sure she’s even capable. Her delusions will prevent her from even being able to mentally recognize and accept the reality of being at rock bottom.
Its striking when she asks what common phrases like "pearl clutching" and "garnishing wages". How do you get to your however old she is and has never heard or understood these phrases before?
When that came up, I thought she had a hearing problem. But I think most hard of hearing people could figure out he said "pearl clutching" if they were able to hear the pearl part.
@@8all8at8once8 Garnishing wages is when the government seizes your salary to pay for debts you failed to pay, usually either child support or taxes. Wage garnishment is usually a last resort and done because the individual can't be trusted to comply even with court orders.
It's not even homelessness that's the risk factor but the fact that she can't get a place to rent. Imagine wanting to break up with a guy for whatever reason but having to consider staying in an unhealthy relationship due to not having an alternative place to stay at.
I worked with homeless people for over 3 years as a case manager. The threat on women’s lives and well being through SA is almost a guarantee it’s disgusting that it happens but it’s true. I am terrified for her.
@@treasuretim3 it's more about the fact that she's just brushing off being homeless as no big deal, a walk in the park, as a defensive mechanism against Caleb's very valid point.
@@treasuretim3 you obviously haven’t seen what I’ve seen so that’s ok but I’ve seen people homeless and 70 years old or 50 years old with no support at all because they made choices like her when they were younger and didn’t set themselves up for being independent and then the people they relied on either died or got tired of helping them or ran out of money too and now they are living under a bridge or in an abandoned trailer him in the middle of January starved and frozen
▶Her family is not aware of how much she owes her mom... so I call her sister and make her finally confront this INSANE situation, watch here: th-cam.com/channels/Le_q9axMaeTbjN0hy1Z9xA.htmljoin
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This chick is crazy dumb.
My parents are rich and young and I STILL have a year's emergency fund saved. I wouldn't feel safe without it.
I’m really sorry, but it doesn’t take a genius to recognize a personality disorder, and I worked as an RN-BSN in EDs for twenty years. This chick needs to be hospitalized and put on meds to flatten the manic. I pity her family.
The thumbnails keep getting worse and worse of Caleb 😅 and darker and darker as well - I really liked the older more creative thumbnails - much more click grabby too
Thank you for the AMAZING Christmas gift that is this guest! Since you were thinking she wasn't getting uploaded until 2025!!!
If this isn’t a troll, this is the perfect illustration of how and why wealth is typically lost within three generations.
I see this attitude quite often when talking with people who want UBI and who complain that their minimum wage barista job doesn’t pay the bills. They insist that they should be able to buy Starbucks and fast food every day and still be able to afford to live on their tiny wages, they don’t like the idea of giving up excess comforts.
I want to think she’s trolling… Good Lord I hope so… but I’m not so sure.
So is sense 😭
@ hard to say with that eventual breakdown when they got to what she owed her mom.
@winry2357 Red herring. You're conflating multiple things. People advocate for UBI because the rise in worker compensation in the US has been stomped into the dirt compared to the rise in GDP. Look at a graph comparing productivity to average takehome pay. You'll see the two lines plot nearly one-to-one with another, and the around Regan worker pay flattened while productivity continue to grow at the same pace. It's the reason why we have such insane wealth disparity (current day US has worse wealth disparity than France did when they started lopping of heads, to put it in perspective). 50 years ago your milkman, whose literal job was dropping of milk, could afford a 1600 square foot house with a lawn in any suburb at the heart of a city with a wife and two kids, all on one income. Today, you can work 60 hours a week at a comparable job and you will NEVER be a homeowner unless you have other sources of wealth; in fact, you're statically speaking likely in debt, even if you're frugal. THAT is why people want UBI.
You're conflating it with financial nihilism, which is a whole different thing.
Guys, my landlord gave me an eviction notice. Don't worry, I told him homelessness is not in my reality. Checkmate.
😆
"You're being evicted"
"Pick another one"
Cops are knocking on the door. CHOOSE YOUR FATE
Homeless but I’ll just figure it out! 🤦🏻♀️
Been living rent free for five years on this one simple trick that landlord HATE
"Ma'am we're sorry to inform you that your boyfriend was hit by a bus. He was pronounced dead at the scene"
"No, pick another one"
"I'll figure it out"...looks for the nearest man to glom onto.
"Being a jew in europe during WW2 isn't that bad, I haven't experienced it!" - that lady
“Yeah, but in MY REALITY, he is still alive”
💀💀
There is a movie called life is beautiful that is a perfect mix of both of these replies.
As someone who was homeless as a child, I did NOT appreciate her saying homelessness isn't that bad!
This person has not experienced hardship. The hardest thing was a jar of pickles that didn’t open
@Mrskallashinyc LOL. Yeah, she is definitely privileged, as Caleb mentioned. She wouldn't have lasted a day in my childhood.
You got through that, you can do anything legend!
Yeah, I was homeless for like two months, in a college town, when I was 19. Basically the easiest kind of homelessness to live with, and that still was enough to scare me away from that for life.
Who cares? Get over it, sensitive pants.
Saying your family is middle class when your parents paid for private school and some college and given you over $17000 in “gifts” may be the most aggressively delusional thing to date
My sibling got $19k and then has the audacity to act like our parents are so awful he cant speak to or visit them. But he siphoned almost $20k from senior citizens and has no empathy or remorse.
My parents are quite wealthy but if you call them upper class they lose their shit. They don't understand that people who have horses, go on international vacations every year and own income properties are not "middle class". They think that because they go to work everyday that makes them middle class.
It's a very common delusion among rich people.
Jealous?
@@nixkim1450they’re probably upper middle class, which is still middle class.
In CA, that’s a poor family
Her back up plan is being other people’s problem 😂 😂 😂
@@katherinekent3124 this is an eye opening way to put it though. Well said
@@Yung.Ert. Quite a succinct way to put it actually lol. I agree with @Yung.Ert.
Omg WELL SAID!
🎯
Nailed it
At this point, I’m watching this show to make me feel better about my life.
This episode made me feel like a king.
And as a parent, it shows the importance of seriously letting your kids struggle and solving their own problems sometimes. I'm not saying create issues and trauma for your kids like my mom did, but ask them how they are going to solve a problem they created and let them fail occasionally. Failure is an awesome learning tool if handled right.
@@jenerin905 100% agree. No struggle = Entitlement.
Absolutely, enabling is not love.
She is the reason my kid will know how to be 100% self reliant by the time he is 18.
🤣
I don't understand why you didn't end this as soon as she said she was cool with paying off the credit card in 57 years
The fact that she's fine with taking 57 years to pay off her Taco Bell quesadilla is mind boggling.
How do people not understand minimum payments literally are getting you nowhere? All it does is keep the banks off your back but as far as progress, you'll never get anywhere paying off that card and you end up paying 10 grand on something that would have cost 2500 bucks. That's the trap. And just you wait, the second the banks see you making headway on your account and chewing up the debt they'll raise your credit limit to entice you and get back on the wheel. Ignorance is the backbone of credit card companies staying around.
"It's not so bad to be homeless." I never thought I'd ever hear that sentence come out of someone's mouth.
And coming from a woman!! Homelessness is worse for us
Anyone who says that has never truly been homeless with nobody to fall back on
@Nickcoasttocoast I was homeless for 3 years in Southern California. I was strung out- 10 years sober now. That being said... It's not that bad. There's a very real type of freedom to homelessness.
Plus the "just figure it out" and "Ill just find another place and get a job"... acting like people CHOOSE to homeless
@@lexih4546 some do choose it
How am I solely funding the government? Where is the IRS? I feel like a sucker paying taxes every year
Stop paying
There's a reason a lot of people get pissed when the IRS tries to hire more agents
@@theocjr.43 the reason is because they'll just waste the tax payer money anyway.. and we don't need more useless eyes going after citizens
We’re all suckers for paying taxes
For real!
Look, Caleb. I've never been on fire. Why do you expect me to be AFRAID of being set on fire? I've never experienced it, so its not in my reality, why would I be afraid of being set on fire and burning to death!?
Someone had to learn 'ouch fire hot' more than once I think. I hope she can work on her mindset enough to change how she views this stuff. But then again she does seem almost happy so maybe its me that's stupid for worrying about finances
I can imagine for some people if you are legitimately this out of touch it may be hard to understand homelessness, what i dont get is why she thinks that if it happened to her it would be ok.. i get not understanding the depth of how terrible it is... but to think its not so bad and she would be okay is so confusing to me. I think she may have been rage baiting for real. @@Al_Does_Stuff
Yesterday in New York a homeless woman was actually set on fire while on the train. Crazy
@@RyanZe89 Truth is stranger than fiction.
Lack of empathy
bro......she is literally the definition of the lights are on but nobody's home. I also wouldn't be surprised she wasn't sober while doing this video.
Agreed. Something about the way she was acting reminded me of when people are far into alcoholism and have figured out how to "function" and hide it well, but not completely.
@@scent-bubblesShe keeps saying “reality” like she’s had a mind altering experience at a rave on some DMT
@dingledongle455 Oh god. You're right. Maybe the vibe I'm picking up on is more "Ive fried my brain with one too many trips."
I thought the same thing, she reminds me of those girls at the bar that get pissed at you but you can’t understand why or what they’re trying to communicate
Idk man she seems like someone who’s coasted off looks and never had any struggle so they never had to develop a personality
If I got in debt to put my kid through 17 years of private school just to turn out like this I would be devastated, angry, and furious.
I have a private school interview for my kind in a couple weeks. SERIOUSLY RECONSIDERING….
Just another fun example of how money won't solve your problems.
I want my money back.
not on the school, well yes that too
I want my money back on the kid
@@Mrskallashinycyeah, I actually would be careful about that. The vast majority of people I’ve met who went to private school acted like this girl.
Come on, they probably put her into private school because they knew she would never make it through public school. As long as you pay the tuition and the child doesn't cause any real trouble they will at least end up with some kind of diploma at the end of private school.
When she finally realizes what she’s done and starts crying, THAT very moment is the reason Caleb does this. To truly show people the mistakes and danger their financial situation will lead them to. Good job, Caleb. Amazing work 👏🏻
Insane whiplash and self realization
This comment needs to be higher. Most of the comments that have the most likes were before her meltdown. She might be able to turn her asinine stupidity around but it’s an all fronts battle for her.
Comment for the algorithm. Also agreed. I was losing every single cell of my brain until she had a lucidity moment. It was somehow worth it.
Best part of the episode, her understanding, feeling guilt for what she’s done
I honestly don't believe her tears were real. I think she's a well versed manipulator and that's her favorite weapon
Bro Calebs social skills are being TESTED in this episode
It definitely wasn’t a smooth ride. I like to imagine someone on his chat was like, “Dude, calm the f down” every time he toned down 😅
I’m kinda worried about Caleb in this one…I’ve had breakdowns and this was how I behaved beforehand (I’m sure he’s fine buuuut). When I am not well my social skills are the first thing to go….i may b projecting tho…totally possible🤷♀️
@@Reesispiecisfingers crossed we get a breakdown video of him binge eating hot wings and crying!
@@nono99136 agreed 😄
btw - I love Hot Ones
It is frightening how disconnected some people are from reality. This was a jaw-dropping episode.
The amount of people who don’t pay their taxes is BAFFLING. This must be the IRS’s favorite show
It reminds of me when I watch a show like On Patrol Live where it seems like every other person they pull over is driving without a license. Just baffling.
This comment is left on every episodes lol
i don't care about poor people not paying their taxes... it is the billionaires, millionaires, businesses and ALL religious organizations... that don't pay their taxes .... that are the problem
@@Gunshin01I thought the same thing. I was in the court a lot from the age of 18-20 for traffic violations never had license suspension. I would say roughly 30% of the traffic violations that were in court that I’ve seen were suspended license.
So in my perspective it’s not surprising
It gives me soooo much anxiety
Bro I cannot believe this woman is 30. This is insane. Who would let this human watch their kids?
Ngl, I hope her employers see this video and let her go. She doesn’t have the responsibility or proper view of reality to be raising kids and teaching them proper values
I thought she was early 20s at first
Right? She’s 30 but has the mentality of a 15 year old…She isn’t evading taxes. She just doesn’t even know that she has to file taxes.
Bro! That’s just basic life skills that everyone learns by the time they’re 30. Whether you’re W2’d or work for yourself, you gotta pay Uncle Sam. 🤦♂️
Someone that wants a nanny at home when the kids aren't?
@@deathpyre42 One of the kids would get hit by a bus and when asked where she was she would say “Sometimes you gotta hit rock bottom…”
17 years of private education and THIS.
They don’t teach common sense in there
I spent a couple years in private school, and this is exactly how it went. The quality of the education was trash. The school was not accredited by the state. The kids that graduated from there all went nowhere in life.
It’s like she’s had a stroke or something
I'm so glad I went to public school and then a state college good grief
I don't know if you remember the one lady who got super upset that Caleb asked her why she didn't let her kid go to public school. I hope she sees this video.
“You might be insulting me but what I’m hearing is different.”
Sums it all up really.
I need to go give my wife of 20 years a hug. I didn’t even know ones like this lady existed.
Don't forget flowers
Do it!!! You’d be amazed what that simple act does for a woman and what it’ll get ya 😉 😉
@@G0lfR0me0 my man be glad you've been with your wife for 20 years. The modern woman is exactly like this.
@@GnarlyChef this, brother would hug and never let go if he knew what they're like now
@@tango976 seriously, it's simps like inhoseo that are making the problems we have today. Men have made life so easy for women, that they don't even realize how terrible homelessness is... And if her bf stopped paying her rent, another simp would step right up.
"57 years to pay it off". "Well then nothing to worry about". That is it, I think this was enough of internets for today :). This was a wild one.
i think she said that because he said she probably wouldn’t be alive by then LOL
Her thoughts were likely: well, I can never pay that off anyway...
The sad and scary part is that she has no idea what other consequences are connected to that debt. At some point, she won't get another credit card. She won't get another car loan. She won't qualify for a mortgage.
She doesn't understand that people do not pay off their debt because they like to do so but because they must in order to not be hindered by that debt in the future.
She doesn't seem capable of planning ahead and making the right choices for her "future self" because she can not imagine a future where everything is not going according to her plan, like losing her boyfriend or her parents dying one day.
She’s just arguing to argue at this point I cannot imagine that this girl LITERALLY thinks that becoming homeless is just a “life lesson” as someone who is also from California and currently lives there, she damn well knows how bad the homeless epidemic is and how many people would kill to be in her position. So entitled.
She’s using semantics to control the conversation. Notice even the most simple questions she won’t answer and directs back to him. Textbook case of narcissism.
Its nothing to do with what Caleb said.
He came out as a agitated angry little man. And she responded in kind. He could of said anything.
If he starts like that of course you are going to get weird response from people.
The last two episodes he been good. But this is Caleb at his worst.
@ When you don’t fucking answer any questions and immediately try to deflect everything he’s asking he would be rightfully pissed off. She came on asking for help, he asks questions to figure out her financial situation and she turns it into a game of semantics. Why should Caleb have any respect for her at that point?
@@3_character_minimumshe had an attitude and question for every response every thought she knew what he was saying lol
@DUMPTRUCK___ Yup, because caleb came out swinging, and agitated. No chat, just fire and brimstone. It wasnt productive, and for her she responded by not being productive.
She wasn't the worst guest. The nasty hippy that had a camping timeshare was insufferable. This chick seemed to have a good heart and was maybe just a little slow. A good heart goes a long way in a relationship.
I agree, the hippie was worse. That one wanted to be that way.
This one seems to be that way naturally and yes, maybe because she is a bit slow and would have needed (more) specialized help early on. Like practical life skills instead of college, staying close to her parents so they can have an eye on her, less financial enabling by he mother...
Which episode was she in? Do you have a link?
@@elios2296 this one: th-cam.com/video/Ef8-HCLi58M/w-d-xo.html
at least thats the one I thought off^^
@elios2296 the video title is "someone finally walked off financial audit" for the hippy episode.
She will bankrupt her future husband
"I feel okay on 30K a year." Yeah I'd feel pretty good too if my significant other paid my entire rent and most of my bills too.
I wouldn’t. I’d constantly worry that my partner would get tired of taking care of me like I’m 5.
@@elizabethgrant1155most women will always be able to find a simp to take care of them
Her whole goal is just to be a mom. I'd be extremely scared if I was her bf.
A woman was literally set on fire and died in New York for falling asleep on a train but sure you’re safe if you’re homeless, I feel like even if she hits rock bottom and comes back from it her excuse is going to be that it wasn’t that bad and she can get out of it
As someone in recovery that has only hit rock bottom once (the other times I KNEW IT WAS COMING so I went into program BEFORE I hit rock bottom), hitting rock bottom doesn't even guarantee a change. Sometimes you need to stay at rock bottom for awhile before you get sick of it.
Also: people don't NEED to hit rock bottom. It's actually better when people RECOGNIZE it's coming and STOP BEFORE THE BOTTOM. I've done that several times and it ALWAYS works out better: legally, financially, socially, every way possible it's better to get help BEFORE you're forced to.
Slightly different perspective (I'm talking about drg addict10n not her privilege) but similar end results.
I personally think her "rock bottom" is so far down because of her parents and support system that IDK if she would ever even HIT IT unless her parents gave up on her and kicked her out. But if they let her live with them the entire time she runs out of money? She hasn't really hit rock bottom then.
And again: you don't NEED to hit rock bottom to change. It DOES SPUR IT, but not always.
Big difference in new york and texas
@ so that means it can’t happen anywhere???
@@Pigtrapper yeah, in Texas you don't have a train to sleep on if you're homeless you have to sleep outside in the elements. You also have fewer social programs for homeless people to help them.
Finally: everyone there has a gun, so instead of setting someone on fire they could just do it a lot quicker...
A bit unrelated but many people don't know but every year around the same amount (around a hundred or so, maybe more) of homeless people in NYC die during the winter by freezing to death in the elements.
@@Pigtrapper well yeah. lol. whats your point?
If you’re at the point where you’re saying, “Being Homeless isn’t that Bad.” You’re Finances are THAT bad
The fact she said that and then less than 5 minutes later said she would live with her parents is so ignorant
@@joshn0524she’s never experienced homelessness. She’s never ever been hungry without a means to feed herself. Shes never been too hot or too cold outside without a place to sit and just feel comfortable enough to relax. It’s an entirely different world.
It isn't that bad in California. it's nice and warm.
She is from Cali . . . the state with the LARGEST homeless population.
@@CamoniMoMoni She "can't possible know what something is like" until she experiences it. I've never been hit by a car, but I can guess that it hurts.
I’m convinced that Caleb’s crew of employees who do the selecting process are trying to make him croak from a heart attack and high blood pressure before 30.
As soon as she said she has a early child education degree but doesn’t see education as necessary. I can confirm she probably took that major since having summers off sounded cool at the time, but then couldn’t pass the actual certification exams, then fell down that “school sucks it shouldn’t exist, kids don’t need structured education, unschooling” pipeline.
👏👏👏👏👏 I know this pattern
becoming a teacher is WAY more work than people realize. From the actual degree work to student teaching to lesson plan development to grade tracking and state standards, plus dealing with parents after you're actually a teacher...OMG I could never do it.
Unfortunately a lot of younger women go into childcare because they think it's "easy" and, "I liked babysitting in high school so I can be a daycare teacher!"
elementary schools are so twisted these days anyways she’s not far off.
Coming from someone who works for a school district and father has been a teacher for 20 years.
@@AmmoPack You do have a point, but it comes off as an oversimplification of the matter. While there are definitely issues within various elementary schools across this country, it would be wrong to discredit the education system as a whole. Especially considering the rise of anti-intellectualism among the adult population and the falling literacy rates in the growing youth. this woman entering the public school system would only worsen those statistics.
This one bewildered me more than most of the episodes I’ve seen. The fact that she even made it to 30 years old is an achievement.
I kept thinking she must be joking with him about how she wasn’t understanding and misheard common phrases- which she didn’t seem to have ever heard before. The parents wasted a lot of money on her schooling. The lights are on but no one is home. I’d love to know what her IQ is!
@@louiem5778 thats exactly what i thought, dated a girl in college like this and eventualy had to let her go as I couldnt have a conversation, lotts of things shes failing to comprehend and theyre not hard concepts yet theres some lack of sensing dire situations and just geting a job and grinding to stabalize yourself.
Eventually. Lots. they're. There's. Stabilize
Did you REALLY go to college?
.@nickpantchev5154
How is she going to take care of her own kids if she is so burned out being a nanny 25 hours a week?
She'll get a nanny
I can't believe this lady is in the same generation as me. How she managed to survive this long is a miracle on its own because she's dug a hole of delusion so far that she won't get out of.
Man, 22 years of private education plus 8 years of adulthood and she turned out like this? She should get a refund for garbage education she received.
"Private school, and you came out like this?" 😭
Private schools can be just as bad or worse than public schools.
Private schooling to become a nanny.
They did not get their return on that investment 😬 Hoping she’d be self sufficient and still see parents as her backup. Oof.
@@87Strong Can you imagine her at public school? She would have had no chance. Her parents likely put her in a more sheltered environment and hoped for the best. At least she finished school this way.
“Allowed me to stick around? Like I am not a gift!?” I’ve seen what I’ve needed to see…
Omggggg how can anyone put up with her, nevermind as a relationship partner?!😭 I REALLY hope this is all just a joke & she's not actually like this, bc WOW. Her making this a joke isn't the best thing either, it's extremely immature & annoying, but I feel like it's better than actually believing all of this & literally living your life like this lol snh
I did a literal spit take at that point. Ruined my cheap wireless keyboard. I’ll be suing Hammer Media for the replacement 🤣 I’m manifesting a win.
She said it with a straight face too LOL
@@SuperMayaPapaya she was DEAD serious z
My jaw hit the floor
Caleb: "f*cking idk what i'm doing here i'm losing it"
Caleb ad: "ARE YOU FEELING OVERWHELMED?"
perfectly placed ad producers 👏
I cracked up at that transition 😂
I am pretty sure it was intentional.
Cackled so loudly at that part!
The most important thing a woman can do is stand on their own two feet financially. Life can change in an instant in a good or bad way. Protect yourself ladies!
Could.not agree more
The amount of patience Caleb has in order to be able to finish conversations with more than half of the guests is commendable. I would have gave up a few minutes in
Yeah she would’ve been gone
I wouldnt trust her to take care of a goldfish let alone a child
Are you talking about a real fish or the snack because I wouldn’t trust her with the snack either😂
Indeed😅
They pay her a rate that is way below a qualified nanny. They want someone terrible or cheap.
@@anotherone-xp9ox Killeen is a pretty low income area so the job is gonna pay pretty low. I had some training there and it's really run down
@@majormushu thanks for clarifying. Didn’t know that.
Is her brain in the freaking room with us?! This has to be an act. She's there to be on TH-cam. Or her ultimate goal, A TikTok reel.
Looks like after she took a break she started to get it.
🤣🤣🤣🤣🤣💯
She is, in my experience, the typical Californian.
She doesn't even know that private school and paying for college is a wealthy thing. While I hesitate to call her stupid, she's clearly sheltered. So amazingly sheltered that she never HAD to use her brain. She has parents to fall back on when her beauty no longer woos her boyfriend enough to deal with a financial anchor. When things don't work she doesn't need to reevaluate, she can just shrug her shoulder and revel in her safety net. She actually thinks homelessness is 'not that bad.' Unless she has am abusive situation she getting away from, that's a wild statement to make. Her verbal comebacks frustrating Caleb shows she can think. She just had no actual will nor desire for self improvement or independence. She haa no need for critical thinking. How can she use skills she never had to use all her life?
@@danmoss1685 Nah, californians are smarter than this, she's just completely brainrotted and probably has never considered a career or future. Always assumed that she's a gift and some wealthy husband will take care of her for life.
“The opportunity when it arised would have arisen.”
Welp! Can’t argue with that logic.
🤔🤣
I’d buy that tshirt 😂
Sounds like Kamala at a speech hahahah.
SHE HASNT EVEN SEEN THE FULL SHOW 😮 just TikTok’s omg this girl is on another level of DELULUL
With her limited attention span
Woman. She’s a 30-year-old woman. I realize she has the mental faculties of a second grader, but that is sad.
That is the length of her attention span.
The more financial audit I watch? The more I realize I’d make a boring episode. And that that’s actually a GOOD thing.
Nah, just say "that's why I'm here", "No one ever taught me about finances", and troll with not paying taxes.
HAHAHAH yes! Definitely could troll with that also GIRL MATH lol But I surprisingly am one of the apparent 5 people in the US that pay taxes and actually pay my debts 🙃
You, me, Caleb, and Dave Ramsey...who is the fifth person? Lol
I got myself into some debt in my early 20s. Realised I was being stupid, paid it off by living frugally for a year. Now I live by my dad’s mantra of ‘you haven’t got money if you spend it’. Me and my husband own a house outright that we rent out and have a small mortgage on the one we live in. We save up for cars and buy them outright. We don’t go into debt for anything. If we can’t buy it we don’t have it- what is really nice is by living by that mantra you actually have money for nice holidays and nice things. I can’t believe I’ve felt like a financial idiot for years because I had a few thousand on a credit card 20 years ago- and learnt from it. I was an absolute angel in comparison to these people he gets on here! 😂
@@aplden570can confirm I pay taxes as well so I think that’s everyone
The crazy is in the eyes with this one.
The crazy is always in the eyes 👀
The crazy is in eyes but the light inside the head is off.
No joke dude 😂
Yeah, but for some reason I love this chick.....she is hilarious
@@ridingstuffedshe plays the bit for tiktok
I actually more so feel bad for her. She seems like she’s legitimately not intelligent enough to understand what’s going on. Shame on those private schools they utterly failed her.
Feeling bad for her is what got her to this point to begin with. People take pity on her because "she's doing her best" and this is the result. She definitely won all the participation badges in school and the only redeeming quality of her is that she's breathing and alive. The school system didn't fail her, she failed herself by not employing anything taught in school.
Her family is failing her too. As is her boyfriend.
A school cant change low IQ
Not the private schools it’s her family
As someone who lived in a hotel room with 2 disabled people through covid, homelessness sucks. Our house burned down. We lost family members, pets, and everything we owned. I had to sleep on the pullout couch so my family members were more comfortable with their physical disabilities. Having my own house, my own bathroom, my own bedroom full of everything i love and hold dear to me has been so humbling. I love being home. I don't want to go anywhere else. This girl wouldn't survive out in the real world.
I'm sorry to hear about your struggle. I'm glad you bounced back.
You’re a resilient person for sure! Heartbreaking to hear of the loss you experienced 😢.
Im so sorry you and your family went through that 😢 I hope things continue to get better for you every day. 🩷
beautifully said.
So very happy things are much better for you and your family. Thank you for taking care of your family members. I am putting blessings for you out into the universe. I send you strength 1hg when times are tough.
Being financially reliant on a man is the MOST DANGEROUS thing a woman can do. Many women in DV/unsafe situations can’t leave due to having no financial back up because they are reliant on their partners like this woman is.
This woman is frighteningly dumb. She says she went to school and works but she does not understand what a credit card is or like how life works at all? I don’t know if it’s an intellectual or a psychological impairment but yeah it’s generally not a very wise idea but this person seems to not be all there in general. I don’t know if I’m allowed to comment this.
You're saying that without bringing up the statistics on how many women that are DV victims are *also* economically independent and how many economically dependent women *aren't* victims.
Yes! I chose to be a stay-ay-home because it was best for my family situation and I love it, but I was sure to have my own account too. The work I put in saving us money meal planning, couponing, cooking, and doing all the home maintenance and "daycare" for our family was worthwhile for me to have my own retirement account. We plan on enjoying our savings together in old age, but things happen and every stay-at-home partner should have their own savings.
Thank you for saying this.
Yes, it's dangerous but not for her necessarily.
The statement “it’s not that bad being homeless” is one of thee most disgusting statements I’ve heard out of someone’s mouth. I volunteer frequently with the unhoused and let me tell you, it is that bad. Especially for women. This girl’s privilege is off the charts😒
Exactly, i’ve been homeless myself, and it was hard enough for me as a young male. I Can’t imagine how hard it is on women, young women specifically. Everyone’s looking to take advantage of you, how she doesn’t see that is beyond me. She wouldn’t last 30 minutes homeless.
This girl was dropped on her head as a baby and then had a brick thrown on top of her and she somehow is in front of us breathing ….Slightly
I work in homelessness prevention, specifically eviction prevention, and I've seen numerous times how easy it is to fall into homelessness. We work to prevent homelessness because once you experience it, it just gets significantly harder to get out.
It is also very easy to avoid homelessness.
@@cccmmm1234Not easy enough apparently. 1 in 500 Americans are homeless according to stats.
@@cccmmm1234 Not necessarily.
@@cccmmm1234 you sound just like the woman in this video
Agreed. There was a patient who fell and broke his back and spine working on painting a house (his job)-literally we had him for a month in Nuero ICU in metal brackets strapped to a bed so he couldn’t move his neck bc if he did he could die.
While there he was evicted. I would see him panhandling months later and asked why. He got on disability but now had an eviction and was hard to find a place, plus fixed income on disability. 😢
One slip. His life is never the same. So easy.
I'm a nanny, have been for many years. should this chick really be molding young minds??? she seems like she lives in la la land where mom, dad, and boyfriend will take care of her.
edit: after watching more i absolutely would never let her watch my children she is more incompetent than i thought 🤣
I hope she's not teaching her little ones they can just "figure out" their way through life with no preparation or thought to the future.
I bet she's on some kind of drugs
I feel like at this point the kids are teaching her?
She is probably great at being on their level and validating their feelings and emotions. She seems very caring. Perfect for caring for kids. Not so much for teaching them about their future.
She couldn't mold play-dough into an amorphous lump.
No offense to the guest, but it is evident that the lights are on yet there's nobody home.
😂🤣😂🤣😂🤣
@@Octawvio are we sure the lights are even on?
I've never understood this phrase, as much as I do after seeing this lady-for real, with 100 percent certainty, I have never understood it, basically at all, until seeing this lady. She's like skin that's just walking, there is absolutely nothing cognitively going on.. upsetty spaghetti
I think the light bulb has blown.
More like the light switch is on but the electricity bills unpaid 😂
I was mad at her at first, but by the end of the episode you can see her distress. I think she took it seriously by the last 10 minutes, but you can see it hit her like a truck.
I hope she will be able to tackle this. Clearly she has the abilities to, and I wish her the best for the future.
That breakthrough was SO worth waiting for
It’s not so bad being homeless? Coming from someone who works with the homeless population it’s not good. To be in a position in life to say something like that is.. wild.
Especially as a woman. She has no clue how dangerous that "rock bottom" is.
Sad about the poor girl lit on fire 🔥 yesterday in nyc on the subway that was homeless😊
I have been homeless as a 20 yr old in the street and it was awful. I wasn’t on drugs or anything but I was scammed by my sister and her (now ex) husband and my mom took their side and tossed me out like garbage
I'm sure people think oh I'll just to have to sleep in my car for a little while. They dont see the circle of missed payments, collections, can't get a decent interest rate, can't access a loan or a card, can't get signed on a lease. It's a slippy slope and you'll go down a hell of a lot faster than you can ever get out.
@@ChargedWordsnot to mention if it’s someone like her that has a big balance and payment on their car it can get repoed and then they don’t even have an enclosure to sleep/live in anymore
Says she wants to be a mom and then says after working a 25 hour week with children that aren’t even hers that she’s being paid to take care of, she’s too tired to cook even a single meal for herself. As a homeschooling mom of 2, I promise you will never be ready to have children if that’s how you feel after 25 out of the 168 hours in a week.
Is anyone ever really ready for kids?
She’s the kind of people that make me want to lean towards the government controlling my life just to know she wouldn’t be allowed to procreate. 😂
Devil’s advocate, I nannied for a couple years before I had kids and it was so much more exhausting than my own three children that I have now. It honestly is so different with your own kids, in my own experience. However I nannied for 6-8 hrs a day 5 days a week.
@@Username0467yes. Many people are ready for kids. There is a basic minimum capability that should be established before having children. Period. It’s LIFE. It’s a PERSON. Not fair to bring one into the world on purpose without a plan, stability, and basic knowledge.
@@Username0467 i agree, its something you learn as you go lol
She’s a nanny? She has no common sense whatsoever. If I saw this and seen how she is acting and I was employing her to help raise my kids I would immediately find someone else.
I’ll lose my mind, but then that’s why the pay is $18
She is cheap. End of story.
"I'm a gift." Holy narcissistic statement, batman.
I'm taking this back. I think she lives in an imaginary world, with zero social skills, or understanding how being social even works.
I laughed so loud when she said this😭😭 delusional asl
California 3 = Texas 10
That is Killeen state of mind, I know because my sister used to live there. Pure scraps.
Wheres that gift receipt?🧾 GTG
Can someone please take her to a homeless shelter and make her volunteer there? And also make her live there for a week!
I think that's a humbling experience that everyone should do, honestly!
Is that a good idea though? She would tell the people there that they just "have to figure it out" and "get another job" and different from all the others who look down on the homeless ones she would actually believe that she is helping them with that and not see how condescending it is.
She would need a chaperone for volunteering there. To keep her save.
It was 17 degrees over the weekend here in nyc. I walked past homeless people sleeping on the street trying to keep warm with a couple of blankets. It was heartbreaking but it is an ABSOLUTE reality that we can all experience. I don’t understand adults that think they can destroy their finances but won’t experience the consequences of that.
“It won’t happen to me but if it did I won’t be like other homeless people 💅 “
She doesn’t think she’d experience it bc she gets help from people. She doesn’t think it could happen to her .
Yep she said it’s not that bad. Bc she’s seen it in CA. Land of Surf and Sun. In Boston it was 10*F The homeless here think it’s bad. They come to my job to sleep in the warmth when they miss shelter cut off times. WTH was she talking about 😅
"Do you do Turbotax?" "Not anymore we're beyond that." 🤣It reminds me of Breaking Bad when Skylar told the IRS agent she used Quicken to do their taxes.
"What was the question?"
"What jobs did you file taxes to?"
This episode is GOLD
Her "figuring it out" is texting mom saying hey i need 3 grand for a 77inch tv because a 300 50inch isnt good enough for me and a million other things
Yes😂😂😂
I saw a 65” class at Costco for $440
I didn’t even know that you could have a tv that big !
@@goldilocks913I’ve got an 83” and it’s awesome. I’m looking at bigger but I’m not sure it’ll fit through the door in my basement
@@TonyCox1351 Enjoy dude 👍
This is the only episode ever where my reaction to the guest 100% matches Caleb's reaction-- which actually makes me think that he reacted as calmly as he could.
She went to private schools and college, but she's a 30 year old part-time nanny who lives in her bf's apartment and is in tons of needless debt. 🤦🏼♀️ This mindset is why stupid kids become stupid adults who just sponge off those around them and the government. I can't tell if she has a mental disorder or she just doesn't care enough about anything at all.
If you have ever felt bad about not going to college, remember this person is college educated.
I'm 20 and I've been watching you for a while and taken on your advice.... now in a couple of months I will be able to move out into my own flat! xx
👏🏻👍🏻
Ayyy Congrats!
Yay!!
Caleb’s show always reminds me that I need to keep my shit together and keep working hard.
I DO NOT want to lose everything I work for.
Honestly yes.
I think honestly, this is the saddest episode of the year and I really hope that she is able to eventually come to realize how potentially bad of a situation she's in.
Honestly, I can see how she is probably a great nanny. That girl’s got patience! I can see her argue back and forth with kids all day.
Although I agree with Caleb, he did go a bit overboard with the insults on this one. Seriously, I don‘t think there are many people out there that you can berate for such a long time without that triggering some kind of defense mechanism (anger, hubris, tears). I must say it was somewhat impressive.
I wish I could be as unimpacted by direct „attacts“ like she was. It really is a skill….
She's paid under the table, no plans of paying income tax, is probably on unemployment, and has every intention of declaring bankruptcy later. This is what my father would call " A seven-layer loser"
I truly don’t think she’d know how to file for unemployment or bankruptcy though. Taxes are that paper thing mailed or whatever she said dear lord
Shouldn't we place a little blame on the family she works for who know what they are doing by not paying an employee properly?
At that point call up their parents and blame them too.
This is an error. She's not accumulating anything for SS by being paid under the table.
I can’t tell if she’s pretending to be so clueless for the video or if she actually is. This makes me sad…
For her sake I hope it’s fake
@@valo4007literally
I've dated someone like this. I can confirm this isn't faked
It’s not fake but it’s most likely an unconscious act she’s developed to elicit a negative response from people. It’s a key element of Narcissistic Personality Disorder. They “feed” off of people like Caleb having an emotional lashing out. It’s a personality disorder that really isn’t curable. If you look it up you’ll start noticing it in people all around you.
@@valo4007 Sadly this one looked very real. She would have to be quite a good actress to keep it that consistent the whole time.
Educator here. This lady is bananas and I'm honestly glad she's not teaching. Her kids would be doomed...
Caleb needs to break out the Monopoly money and show these people how much money they have and how many hours of work they have to do to pay off the interest on their loans. Look up Gail Vaz-Oxlade’s shows Princess and ‘Til Debt Do Us Part, where she shows these people the consequences of their actions. She’s a Canadian celebrity who doesn’t take any BS
"being homeless isnt that bad"
"I would just go live with my parents", of course it doesnt seem that bad when you wont even be homeless.
In fairness unless you have really bad parents or they are dead. You kinda deserve to be homeless if you mam and dad won't put a roof over your head
Lol this 😂
Exactly!! She will live with her UPPER MIDDLE CLASS parents. It's an upgrade to her life now. Of course it doesn't seem bad. "I don't need an emergency fund. I need food, water, sunlight....." 🤦♀️
Her using the wrong hand to shake hands immediately after defending her intelligence had me dying.
I really think she was joking and everyone is too committed to thinking she’s dumb
Didn’t look like she was joking
I've done that a few times but only because I'm painfully socially awkward 😆
Timestamp? 😀
She's a tiktoker, so I think she was thinking like a fist bump, got confused by the open hand, so probably was thinking like a low five, wound up just mirroring without thinking, and had a full brain freeze trying to reassess. Considering the cameras filming, I'll give her a pass for nerves.
My dad passed away 9 months before my 30th birthday. He was diagnosed with an autoimmune disorder and died a month later. It's not out of the realm of possibility for her to lose her parents at this age and she is not prepared to take care of herself if that should happen. I hope it doesn't, but she's acting like it's impossible and it's not.
Private school and the way she talks it all makes sense she comes from money so she doesn’t know what a dollar is worth. Privilege is crazy man
Garnish my wages? I don't even like parsley!
Hi Norm!
😂😂😂
I was laughing, then angry, then sympathetic, then hopeful. Don’t let me down girl. Good show.
I was insanely annoyed for a majority of this and then an hour in i see a glimmer of hope. This has been a ride
Never understood the "I'll figure it out later" mindset...because you could figure it out! right now! and be ready!
This episode felt like I was watching the Eric Andre Show but the guest is saying random stuff to derail the show 💀🤣
I don't how people say "my reality" or "well that's not my reality". Reality is not subjective. If you break up with the person who pays the rent, the REALITY IS you will be homeless and the REALITY is you are more subject to violent crime. That does not pick and choose who it affects.
It can be if you're being delulu and there's always someone helping you out 😅 which she totally is
Yeah "live your truth" is the worst thing you can tell these people 😂
true. I generally say objective, it rejects reality as it's the only objective fact 😎 but yeah nah I get it
This is why me and gf argue over "my truth"
Omg yesssss! "This is my truth!" No. That's your DELUSION. Any form of that statement makes my skin crawl.
I was shocked when her "figure it out" turned out being making her parents go into debt
She was likely never pushed to actually "figure it out" even just in theory. Every time someone asked her she would just answer "I will figure it out" and people left it at that because they were her family or friends. When Caleb pushed she had to come up with an answer for the first time and that was "my parents". When he tried to take that option away by saying her parents would someday no longer be there she had no clue what to do.
That might require some long talks with a professional to figure out why she is so incapable of imagining future scenarios that are less than ideal.
The eyes never lie and these are full of crazy
How did you get the little Caleb face emoji?? I want one!! 😅
They're a member who gets caleb emojis @@mallorydaniellemusic
@@mallorydaniellemusicyou have to join his channel membership
empty eyes
I’m just going to call it….ENTITLED.
I left home as soon as I turned 18 and only stayed that long because I partly parented a young sister. My mother was negligent and abusive, would not want anyone to have to go through it…. Still I’m glad I was not spoiled, entitled and especially ENABLED
I’m an independent person and great-full for so little and so much…. NO ONE CAN TAKE ADVANTAGE.
I think in her case, it's more "privileged" plus a bit "slow". She doesn't seem to really grasp how privileged she is. And yes, enablement from her parents, looks like mom more than dad.
Saying that being homeless won’t be that bad is insane and her not being able to imagine a situation where she isn’t able to bounce back shows a huge lack of cognitive empathy
It's a narcissistic tactic.
Ive been homeless, its pretty bad and i thank God everyday i was able to successfully get out of that situation.
Just an FYI- nannies are considered household employees and are to be given a W-2 unless they’re employed through a nanny agency.
This applies even to those directly employed by families. It is the caregivers responsibility to provide W-2s and pay employment taxes. They don't have the perks of being an independent contractor like dictating their schedule.
Please stop giving space on the show to people that dont care about fixing anything. There's got to be a lot of people out there who genuinely need and want the help.
I’m a teacher, I’m really glad she chose nannying instead of teaching. I always find it really disrespectful when people choose teaching thinking it’ll be an “easy out”. Babe, I’m really proud of u for choosing something else and making a better choice, it saved a lot of kids a lot of harm.
I have a feeling there are some tests preventing her from teaching......
I'm angry at the college that gave her that degree. There should have been something preventing that. Teachers need a certain level of maturity and understanding of the world to properly, well, teach children.
I think she would be much better off with some sort of craft / trade.
Like cultivating flowers and selling them or something. While someone else handles bookkeeping and taxes. Something where she can see the results firsthand on a short-term basis and doesn't have to carry much responsibility and where the worst consequence would be her flowers wilting - I'm sure she would be more upset about that than she is about her credit card debt because it's a visible, touchable consequence and not just some numbers somewhere.
"It was the voice of one who had never been dirty or hungry, and could not successfully guess what dirt and hunger were." - E. M. Forster, "Howard's End"
29 minutes in. Just learned she doesn't understand: words.
But she's a philosopher.
She finally breaks. Caleb got thru and I seriously hope she can grow up and figure her finances out. She needs to be more realistic.
The philosopher part comes from the stuff she watches on TikTok, I think. In some of her answers, you can hear the pseudo-philosophical things people preach there. You know the whole "not my reality" thing sounds just like the "manifest your ideal life" stuff over on TikTok.
Sadly she doesn't seem to have the capability to question those things on a deeper level - or at all.
Yes, I think she needed an audit in very simple language, she clearly wasn't following in some parts.
She reminds me of a colleague. Asks a question, then as soon as anyone starts to answer it they talk over you non stop. Can't tell you how many times I've had to tell them to stfu.
She clearly doesn't even understand the concept of hitting rock bottom. I say let her experience it. She'll figure it out.
Unfortunately, I don't think she ever will. She can fall back on her parents, at least until they keel over.
Im not sure she’s even capable. Her delusions will prevent her from even being able to mentally recognize and accept the reality of being at rock bottom.
She’ll be working the streets to afford food and think to herself “I could be starving in Africa, my reality is not bad.” She’s completely delusional
Its striking when she asks what common phrases like "pearl clutching" and "garnishing wages". How do you get to your however old she is and has never heard or understood these phrases before?
Suggests limited curiosity/reading/media beyond academic assignments. What a sad, small world.
When that came up, I thought she had a hearing problem. But I think most hard of hearing people could figure out he said "pearl clutching" if they were able to hear the pearl part.
What’s garnishing wages? I’m not US/UK/Aussie
@@8all8at8once8 the government will take a part of your job payment every month before it even gets to you so you're forced to pay what you owe them
@@8all8at8once8 Garnishing wages is when the government seizes your salary to pay for debts you failed to pay, usually either child support or taxes. Wage garnishment is usually a last resort and done because the individual can't be trusted to comply even with court orders.
It's not even homelessness that's the risk factor but the fact that she can't get a place to rent. Imagine wanting to break up with a guy for whatever reason but having to consider staying in an unhealthy relationship due to not having an alternative place to stay at.
"Your insults have no effect on me, my brain is smooth, they simply slide right off" -This Girl
I worked with homeless people for over 3 years as a case manager. The threat on women’s lives and well being through SA is almost a guarantee it’s disgusting that it happens but it’s true. I am terrified for her.
Why? She will literally never be homeless. Yr being dramatic just like Caleb. “OMG THE SKY IS FALLING!! PANIC!!!”
@@treasuretim3 it's more about the fact that she's just brushing off being homeless as no big deal, a walk in the park, as a defensive mechanism against Caleb's very valid point.
@@treasuretim3 you obviously haven’t seen what I’ve seen so that’s ok but I’ve seen people homeless and 70 years old or 50 years old with no support at all because they made choices like her when they were younger and didn’t set themselves up for being independent and then the people they relied on either died or got tired of helping them or ran out of money too and now they are living under a bridge or in an abandoned trailer him in the middle of January starved and frozen
I think @treasuretim3 was being sarcastic
She needs a therapist. I'm not even kidding. Someone who seems to care so little needs more help than just a financial audit.
Borderline.
@@charlesp.8555 I wouldn't diagnose.
Reality check would do her some good.
@@charlesp.8555 or psycho
But she is a ‘gift’
Producers of this show picked a winner for the end of the year, Thank You 😂