My producer and I fight about what work is done at the company behind the scenes in today's post show: th-cam.com/channels/Le_q9axMaeTbjN0hy1Z9xA.htmljoin
@@CalebHammer you seem to be into burgers A couple of out of the way choices Silver medal dive bar .their unassuming addictive little effers Food trailer at cork and brew on congress at Cumberland GREAT PEOPLE Indian spiced burgers that will make you weep softly They even have one name after my one legged neighbor " the gaylin burger " lol
Saying she might punch him. She's admitted to being the baby of the family and is so mad at him for calling her out on her shyt, that she's threatening him, when she volunteered to come on this show. She seems like the kind of person that would hurt somebody sneakily if she could. I've watched several of these videos and her attitude is just so rotten. For some reason she seems worse than some of the 30yo entitled brats on here.
So not a studio, but like a 2br w a den could work. Piano is in a nook and/or in the room with the Murphy bed (wall bed) where mom sleeps when she's there. Or give mom your bed and your younger body sleeps in the foldout, next to the piano. This is NOT un-doable, she just needs to take the emotion out of her process. Ok, you can keep the piano, but unless you're giving lessons, it's just a huge knick-knack. Can we RENT it out to someone? A bar? The condo? A mall?
I can’t get over how she keeps blaming everything on her dad’s passing TEN YEARS AGO when she can say with a straight face that they “go to Germany for Christmas” and she bought a Porsche for the customer service. Girl.
@@pixiegirl131415 this is a girly that got treated like a princess and I'm guessing Dad was ether a big enabler or took care of a lot of her problems in life
My mother blames her debt on my parents divorce. Yes, he screwed her over financially but it was in 1997. If you can't take responsibility you aren't an adult.
I think there’s a misunderstanding here about what kind of student loans are forgivable or can be discharged in bankruptcy. Only federal loans get forgiveness and can’t generally be discharged in bankruptcy. But in some instances student loans can be handled by a bankruptcy. She’s not broke she’s just stubborn and spoiled so I don’t see why bankruptcy would even make sense.
My 401k is currently sitting at 13k and I’m 26… hearing Caleb say about her retirement account balance “you’re right where I’d want someone to be at 26/27” made me feel good 🥹 I’m also fully debt free and have a nearly fully funded 6-month emergency fund! This channel has inspired me so much to be mindful & responsible about my finances. Thank you for the work you do Caleb!
Mine is at 12 k and I’m 27, I couldn’t imagine 13 years from now being closer to retirement than the start of my career and having only that much. Just bumped up the percent I contribute because of him.
@@shadowfox2120 agreed especially when they’re in a cycle of grief and depression. They’ll do anything for the dopamine hit. Shopping and eating is the easiest
And her complaining about not qualifying for loan forgiveness. PSLF and similar programs are for people who take lower paying jobs that serve the public. Not someone making her salary.
@@gidgetgetscrafty yea not a women making 6 figures and broke cause she thinks she needs a grand piano instead of a monthly payment that doesn't break her
I can't pay my groceries but I won't give up my Porsche, grand piano or trips to Germany. Her Mom is her accountant and yet she owes tons to the IRS? Make it make sense
As a violinist, I can genuinely understand the sentimental value and musical value of the grand piano. But that doesn’t explain the Porsche or the trips to Germany or the debt. I can’t even.
Unfortunately it's insanely too common. my aunt babysits for us and is a landlord for some apartment complexs. The number of brand new chargers and Kia/Hyundais I see in these kind of shitty apartments is staggering when I drop him off. I'm betting the car payments are very close to what their rent is
So I'm a doctor making more than this person and I drive a 2016 Hyundai. I often see nurse practitioners and other advanced care practitioners (and some junior doctors) driving SUBSTANTIALLY nicer cars than I do, and every so often I wonder if I'm behind financially or if my paycheck somehow isn't going far enough. Then I see this woman's finances and think, nope, I'm doing just fine.
Untill they will be forgiven student loans or getting rent-assitance ("oh it's normal in most European counries") who will pay for that then ? Hint: YOU. (Property tax up, 401 K not so tax-free, Car-tax by weight or wth)
Oof I feel called out. I’m a pharm tech and drive a tesla. Though I saved up a really huge down payment for a few years after I moved back in with my parents who paid for all of my college and are paying for grad school. But I’m very lucky, I definitely wouldn’t have bought it if I had rent or debt. I won the parent jackpot.
@@claudetteodetteat that salary you don't even have to be that frugal. I make half that and support myself and my wife plus 3 pets. At my salary I HAVE to be frugal to make it work. At that salary I would be taking my wife on tons of nice vacations and we'd still have plenty of money left over.
This isn’t a financial issue, it’s a pride issue. She spends on gifts for other people because she’s unable to say, “I can’t afford it.” She pays her mother’s bills because she can’t look her mother in the eye and say, “No, I can’t afford it.” She’s unwilling to move to a smaller place and put the piano in storage because she’s unwilling to be “the person who had to say she couldn’t afford everything she wanted”.
My thoughts exactly! She drives a Porsche and it seems most of her debt has been built because she wants everyone to know how much money she makes! I hope she watches this episode and recognizes how frivolous she comes across and that she will, finally take responsibility for her debt. I'm sorry her Dad died 10 years ago, my Mother died 10 years ago, my Stepfather 5 years before that and my Daddy when I was 13. So I get the grief and how sometimes out of the blue it hits, but it's no excuse for stupid financial decisions. She was talking about the baby grand purchase like his death was recent. I hope she realizes what a gift she's been given and can go into her retirement without debt hanging over her head.
“Hear yourself sing” was the line for me like bro you came for help with no intention to change like anything- why do people come on this show with no intention of getting help- to tell Caleb that they know how bad it is and he doesn’t need to tell them like- let’s go to the middle of the ocean and ask where the land is like bruh
I don't know, most of the time they're not quite like this, in my experience. She's definitely an outlier. Most of the time they're clueless about their spending, they are genuinely shocked that they've spent twice as much as they've earned over the past month etc. She seems to already know what she's spending on, it's just that she has classified it all as an "absolute need" in her mind instead of as "wants"
I feel like a majority of these guests think Caleb will gift them with a debt payoff. Otherwise there wouldn't be so many excuses as to why their spending isn't so bad. It's sad and disgusting 😝
Yeah, absolutely insane. I'm almosy her age, 2 years younger, and didn't start saving for retirement until Nov '21 because of my serious under-employment, crazy medical debt, plus some other bad life choices. But since opening a Roth IRA in Nov '21, that account alone has $24k in it and I also have an employer sponsored SIMPLE IRA that's got around $8k. Oh, and my salary is literally 1/3 of hers -$55k currently So I make a third of what she does but I've saved three times as much for retirement. That's CRAZY
Recommendations: 1) Get rid of the car, pay the difference, get a cheap car. Save yourself $1,500 per month. 2) Downsize to a studio apartment and save yourself $1,000 per month. 3) Put the grand piano in a cheap storage. 4) Stop being the gift buyer for other people. 5) Stop traveling. 6) Remove Amazon from your mom's phone. 7) Stop eating out.
That would make a HUGE difference and it’s not even nearly the level of sacrifices so many other guests would have to make to get the same level of improvement.
So… when my abusive father died at age 57 it was this big “family tragedy” so being the oldest child, I was expected to take on his boat. Boat was paid for but I lived in an apartment with one parking stall in 1995. Where am I gonna put a boat? But my mother freaked out at the thought of selling it because it was DADs!!! So stupid me rented a house for five years I couldn’t afford just so this old ass boat could sit somewhere. Had zero money to care for it or even haul it. I didn’t have a truck. So it sat and rotted and got squirrels in it at which point we had to move to a smaller place or starve (baby on the way) so I gave it away to a friend whose parents had a lot of land with vehicles on it. OH I BETRAYED THE FAMILY!!! It was DAD’s money-suck boat and I “threw it away!” Endless complaining from my mom to THIS day! I just want my extra $250 a month I spent in rent for that thing to stay in the family who never gave me a dime to handle its upkeep.
If it was that important to your mom, she should have taken it. Disgusting of her to put years and years of financial devastation on her CHILD (regardless of age.)
I honestly don’t care how much they would pay I just don’t understand why they would think paying for people’s college from tax payer money is a good idea it’s not fair to the people that didn’t go to college or couldn’t go to college for other life reasons. I’m happy paying for my education that I chose to pursue. I’d rather see them use that money for more after school programs for kids to get them off of the streets and actually being kids again not stuck behind tablets everywhere they go.
And they have the audacity to complain about the garnishing "how dare they take my money"... lady it's THEIR money! What do you think a loan is? They gave it to you - it wasn't a present.
She gets a bonus based on the amount that she bills. Thats insane. Her finances aside, that information right there shows why the American health care system is so bloated and broken.
As someone who lives in a country with free healthcare this concept is completely insane to me. Nurses are directly making more money on people's sickness? Surely this is against what a lot of nurses sign up for? Are people pushing unnecessary treatments?
I hate to say it, but a lot of nurses aren't spending time learning about personal finance. We're just working and coping for years and behaviors don't fix themselves.
@@jhern083 I don't believe the comment was regarding her finances, moreso her attitude. Being aggressive, argumentative and defensive when she's called out, and acting manipulative and sad when Caleb questions her behaviour. I have a close family member who's a Nurse, so I understand that your personality at home won't be exactly the same as your personality at work. With this in mind, my stepmums personality traits of empathy, kindness and understanding still permeate through in our home, traits that are suitable for someone who's a Nurse. With the lady in the video, I don't see any of those traits. I could be wrong but I don't see her suddenly being a completely different person as a nurse at work, and it's worrying with the aggression she displays to imagine her with patients.
Her behavior financially may not be the same professionally. The fact that she asks for help means a lot. It looks like she really has problem budgeting. Hope she listens and follow what Caleb told her to do..
She’s not there for a financial audit. She’s there to defend her idiocy and then expect Caleb to give her a plan to reach financial bliss with no effort on her part
40 year old woman acting like a child. I'll never understand why people voluntarily come here just to argue and get defensive about issues they created themselves.
They're all spending addicts. I figure they know they have a problem, but being face to face with the behavior spotlights their inability to take accountability.
Unfortunately the majority of people who would put themselves out their to the public with these issues are typically very narcissistic/egotistical people. OBVIOUSLY NOT EVERYONE FOR THE PERSON WHO IS GOING TO GET TRIGGERED! A lot of them are just trying to get clout/simps who will take care of them.
Honestly I think part of it is having someone ELSE make them a budget is just another way for them to deflect and avoid holding themselves accountable. No one needs to go on financial audit to get a budget, she doesn’t want to put in her work
It sounds harsh but sometimes I don’t feel bad at all that people like her will probably never get out of debt when they refuse to self reflect or change
Money does not buy happiness, but it can remove stress if used properly. If used improperly, especially if you make a lot of it, can create LOADS of stress.
@@28-3MakesMeCry yes but not having money can sure make you depressed and unhappy. and you can certainly buy things that can get you to happy like therapy or free time etc.
@@Wade-yk9dwI actually make more than she does, I'm also a car guy with an Audi S4 that's definitely not stock. Still would never spend $20k on a car.
Yea, if she’d rather sell the piano than get rid of her Porsche then I call bs on it having as much sentimental value as she claims. There’s absolutely no way I would choose even the fanciest sports car over a memento left behind by a deceased parent.
Also, the piano is an excuse to have a fancier place to live. She’s giving herself too many excuses. Her dad would rather see her debt free than playing the piano. He would have probably told her to donate that thing and downsize because he loves her. She’s spoiling herself, which isn’t actually love; discipline is.
This woman is a perfect example of how its your mindset that keeps you in debt. She makes enough to live a comfortable life and she's poor because of the choices she makes.
@@CianMcsweeneyamen to that. I owned a Benz until a year ago, first 7yrs it was a dream, but the warranty ran out and everything started to fall apart and break. Timing chain, transmission issues, door handles etc. I did my own oil changes because it was $180 labor plus oil, filter etc. Those Euro cars are nice but maintenance is where they get you. I sold it and got a Nissan suv
“Thank god that charge was not fraud”. Yeah god forbid a fraudster gets access to your credit card that has $400 left before it hits the card’s limit 😂
"I just happened to go to a Porsche dealership" god i hate when that happens, the othe day i meant to go to Aldi to get groceries and BAM theres 911 turbo in my driveway.
I was thinking the same thing! IMO if the car was well-built, you wouldn't need excellent customer service because it wouldn't need that much maintenance and repair.
want to thank you for opening my eyes back to budgeting. We were hurting and I finally sat down and was able to make a budget for our family and the first time in a really long time we had money in the account by the next pay period and the credit card was not used at all. I want to thank you for saving my families future.
@@laurab5849 Bought a 2014 Subaru new...10 years later I've been to the dealership maybe 3 times for normal maintenance items that I felt they would do a better job of than a regular shop because they do it all the time. I always get OEM brakes instead of cheap alternatives, I wanted the dealership to do the flush/fill of the differentials on the AWD system...etc.
Eh, coming from someone that’s worked in a number of dealerships, the old saying is pretty true “sales sells the first car, service sells the second”. I’ve learned over time to buy Toyota over Chevy any day for that simple fact.
@@MrLeastAviationI don’t understand why people go back to the dealership in the first place. I guess it’s because they buy new. I buy a used car and take it to my local mechanic who’s great and cheap. Never need to step foot in a dealer
Buying a car she can't afford is insane. She already had hundreds of thousands of debt. I am an NP. I retired from the military in 2023 and now work as a civilian. Combined incomes I make about 230K a year. I drive a 2015 paid for outback that I bought used for cash. The danger with this lady is if she gets sick or loses her job? Done for. Gets sued by a patient? Financial ruin. Debt is RISK.
@@drn13355could not agree more, similar income here and I drive a 2011 single cab ram. Does the job, point A to point B and have the bed for when I need to get stuff for my house. Ppl want stuff they can’t afford, American way of life I guess.
I swear, ever since I started watching these videos, when I am about to make an unwise purchase, I can hear Caleb in the back of my mind screaming at me. BUT it has played a role in me saving thousands vs hundreds every month. THANK YOU!
I’m 42. My dad died 6 yrs ago. The piano he gave me is in storage I’m paying $283 for each month and have lowered my rent doing a room share to get my debt down. And I live in NYC. Thank you Caleb! No more excuses.
That storage thing is sooo American. You guys pay money to store things you will never use. I don’t think any other country even has such a system. Pay $300 a month to NOT play the piano?? I understand the sentiment but that’s like 3 grand a year, with compound interest (lost) it will be like 50 grand over 10 years Basically an inheritance that keeps you from buying a house
From my experience: 3:22 if a mechanic or dealership is taking 3 weeks to diagnose or fix your car - they WANT you gone. We’re clearly not getting the full story on that one.
Saw a tik tok comment the other day that they were making 200k a year and living paycheck to paycheck because of the economy. I swear…it’s like a sick joke.
sometimes. you would be surprised how many people before they pay off anything like student loans will buy them and their spouse like 80k plus vehicles maybe crash one get another and yes they own a home which is great but maybe it was a little reaching on this specific home and then dont watch spending in anyway at all. multiple vacations a year etc. my step father who i no longer talk to was for almost all of my knowing him made 100k plus a year in a like 98% of the time dual income household. he never bought a home isin his late 50 in debt stole thousands of dollars from my sister because there is no budget. just full buy whatever they want whenever expensive truck expensive car crashes all the time his insurance is or nearly like 1k a month due to all his accidents. its crazy.
And I like when the “high” earner is $120-150k. It’s somewhat relatable. A lot of us have the potential to make that kind of money in our career paths (even if it’s a dual income family)
Not a Taylor Swift fan at all, but yeah, this seems like someone who wants to pretend she was super into the team and stuff before TS started dating what's-his-face (I don't pay close attention to celebrity news lol).
She wants a Porsche, her expensive apartment, restaurant meals, etc. And then wants our taxes to cover her student loans, her retirement and anything that's a real need. Beautiful.
She's living like a Dr on a Nurse Practioner's salary. I don't mind loan forgiveness for health professionals but she makes a similar amount to me and I drive a Toyota not a Porche. She could just stop spending and easily get herself back on track.
As a nurse, I worry about how she must speak to her patients. Often, patients need support and understanding. Her snarky and condescending tone could really hurt someone. We nurses are not all like her. I promise!
she could buy a house with that income and literally find one with permanent spot for the piano. and she could actually afford the house unlike most people. the insane amount of money she pays for rent could actually go towards the house and she gets to keep the piano too, so it’s win-win
I've genuinely tried to finish this one so many times but the way she talks and acts in such a pitiful "I'm the victim" way makes me mad especially as her debt keeps getting worse throughout the video.
This is precisely why generational wealth doesn’t really matter. Generally, it vanishes within a couple of generations. It’s built by someone with financial literacy and then spent by their kids and grandkids, then they’re a poor family again waiting for someone to come along and build it back up. Also why capitalism is awesome, you can become rich simply by making good choices and working hard. People slide up and down through social classes all the time and there are very few barriers between social classes. I used to think I’d be making $30k a year for my whole life, then I found a job that I was qualified for and paid well, now I make about as much as this lady does with minimal overtime. I’ve made strides up the social ladder. It’s amazing. I’ll set my kids up for a decent life and if they screw it up, that’s on them.
The lifestyle inflation is real. Not to mention as someone who was terrible with money, if you find yourself spending your entire income every paycheck (even after expenses and bills, I get and have been in the position where I was literally paycheck to paycheck), then getting more money won’t solve your problems; you’ll just end up doing the same and buying even more things.
"heck no, I would not vote democratic" and then like 5 mins later, "oh yeah, I did do thar. My friend is running for city council" How do you end up so unaware of how you spend your money that you're donating to a party you apparently dislike?
If you need a loan, you can't afford it. She should be able to buy a decent car outright for under $20k. But instead she finances a Porsche. When I see people like her out driving around, still renting an apartment, still making car payments, owns none of it, and everything she has is purchased with a loan. I don't envy that. I'll keep driving my 2019 Ford fusion that I own , and I don't care that my passenger doors are smashed when I was a victim of a hit & run, it doesn't *need* doors to drive lol. I own it, the repo man ain't coming for it, and I think Ford has great customer service. I'm at 177 k miles and the only mechanical work I've done besides oil changes, tires, is replace the battery and wheel bearing for a few hundred, oh and I did the brake pads, once. She runs great. And stops.
She probably believes tithing from the Old Testament. That's giving 10% of income to God as "first fruits." If so, any church she'd go to would get $800 a month as long as she was bringing in $8,000 a month. There are 3 forms of Biblical tithing in the OT. One is the 10% for giving to the synagogue (priests & poor). The next is saving another 10% for yearly travel expenses to Jerusalem for the Passover. The last is to set aside 10% of what you produce in the 3rd and 6th years to give to the priests & poor to help support them. These days Christians who tithe generally offer 10% of their monthly income and call it even. Jesus doesn't mention tithing except to say we need to give more tjan money and offter service, tkme, and talents on top of whayecer funds we share. Now Paul? Paul speaks of setting aside a specific weekly offering based off one's income in 1 Corinthians. People debate if that's a tithe or not. He doesn't say 10%, he does say based on your income. So, she could give less than $800, and if she feels guilty, up are acta of service, time, and talent sharing to compensate and that keeps in line with the NT even if it doesn't strictly follow the OT.
$800 would be a normal 10% tithe that most Christians feel led to give to their local church. As someone who tithes 10%, I would not do that if my pastor was buying private jets. Most of my church's budget goes to missionaries local and abroad who do great humanitarian work as well as share their faith.
@@nail_fiend1962 I was gonna say, 800 is an appropriate tithe for her income. I can see how people who don't ever tithe would see this as a ridiculous monthly expense, but for many people it's very normal. (Plus, for many people, it's also "normal" to give much MORE than 10% of their income on junk like Starbucks and fast food, which I can't relate to, sooooo...)
@@ayachitsure I would much rather people put their money towards junk like Starbucks or fast food than it go to largely corrupt, tax dodging religious institutions to be honest.
I love how Caleb understands love for pets. I did "budgeting" counciling from my church in college. I was just needed to earn $50 more dollars a month. My pastor said I should get rid of my dog. I gave a strong "NO". A few months later I decided god didn't need my 10%, and then left the church. My dog was the being that comforted me through stress, depression, happiness, etc. I only felt judged at Church.
@meg - Have you considered your indignation could be misplaced? There are many ways to budget. THIS church’s budget didn’t include animals. I wouldn’t go to this church either. ♥️
Crowdstrike down, Microsoft down, planes grounded, markets freaking out, but at least we can trust in our Financial Savior Caleb Hammer 🙏 HAPPY FRIDAY!
Ive been working with customers all morning and all i can say is, Until CrowdStrike rectifies the problem on their end, there's nothing we can do about the software running on your server
Productivity needs to be rewarded. Practitioners that see more patients shouldn’t be paid the same as the practitioner that only sees 2 patients a day. Billing codes ensure each visit type is billed correctly so providers are paid for the service they provided. If someone sees 1 patient a day but that patient is an open heart surgery, they shouldn’t make less than the family med doc that does 25 wellness visits a day. Also important to code correctly to prevent fraud.
When she said she got a Porsche after coming from a Ford edge, I figured it would be one of the Porsche SUV/Crossovers, possibly a Panamera. When she confirmed it was a Macan and that she spent 90k on it used, along with that 0-60, I knew it was an insane top trim model. Make no mistake here: unless she got supremely suckered by a salesman, she went out of her way to buy the most expensive model of Macan she could possibly buy, so pretending even a little that she was doing anything other than treating herself to the max is laughable.
No- she only donated because a friend is running for office. The Taylor Swift comment is a dead giveaway this person believes a lot of internet political bullshit. Definitely not blue.
@@Kaails2424she’s def not blue. If you listen to her response when Caleb mentioned that, she immediately winced and said “absolutely not” or something to that effect, and she immediately thought someone else used her card….there are other indications that make me think she voted Trump all the way
In my early years in medicine. I realized that the surgeon and the janitor had the same financial worries . Except one pays 500$ month for a ford and the other pays 1,900 for a BMW both stressing about the 1st of the month. Taught me a valuable lesson seeing both experiences from a far about money .
Donate the piano to a music program or a school. Theyll pay for someone to pick it up and you can write off the appraised value. Or give it away for free if someone just pays to move it.
A grand piano is worth alot of money. If she wants to pay off debt, and she wanted to get rid of it, she should sell it and put the whole sum towards her credit cards or student loans
@@angelinawhatsherface5907 did you not watch the episode? She talked to a piano dealer. Guy said there's no market for them right now and he has multiple he can't sell. Market dictates price. So for now its worthless
@@small_golem did you read my initial comment. Donating it you can write off thousands on taxes...... so i would rather write off thousands on taxes than take a couple hundred cash.
As a nurse who works on a stroke and neurology unit with many geri-psych patients, I CANNOT imagine her being compatible with that patient population. For her patients' sake, I hope she is someone who is very different in practice than she comes off in this interview.
@39:55 "Let's play hypothetical. Gun to your head. You are inside of an elementary school. What would you pick?" Had me dying. Out of pocket Caleb, but I love it.
Put it in low risk stocks! I wish I had been doing that but I just started. If you look at the lifetime of these low risk stocks they keep increasing. You can lose money short term but you need to set it and forget it. I realized savings is just money sitting there giving me no benefits. If I had it in the low risk stocks from the start of this year I would now have a return of 30%
@@MPPG663 Today Ford is probably the most reliable of American automakers. Better than GM and definitely better than Chrysler, but still worse than Mazda or Toyota.
@@ghoulishtoadI don’t think it’s that Caleb and the show are looking for these type of people, it’s that these type of people are the MAJORITY of people who are asking to be on this show 😂
Just... why can't she get a better place AND sell the DAGGON Porsche? Go get a nice Hyundai or Toyota... Even go get a Lexus, if you gotta *look* a particular way. Ma'am , I get that grief makes you do strange things. I've been there, made those mistakes, but she's diving SOOOO deep. Her dad WOULD NOTTT want her living this way. That's a good point that she needs to hear.
@@marielasalinas5491as soon as nurses leave their 30s they enter a pick me era unrivaled by any dementia riddled mee-maw. “I don’t slap I punch” PLEASE shut up you owe the IRS
Caleeeeebbbbb! As of yesterday I’m credit card debt free! Because of this show I was motivated to pay that shit off asap and yesterday was finally the day! Wooooooo!
The audacity of this chick. She complains that she cant afford $350 a month to pay down $90k in student loans, ans cries that they wouldnt help her lower the payment.... But then goes out and purchases a $80k CAR and pays $1500 a month no problem. Her logic needs some really over haul!
My producer and I fight about what work is done at the company behind the scenes in today's post show: th-cam.com/channels/Le_q9axMaeTbjN0hy1Z9xA.htmljoin
Caleb is my celebrity crush 🤭
@@CalebHammer you seem to be into burgers
A couple of out of the way choices
Silver medal dive bar .their unassuming addictive little effers
Food trailer at cork and brew on congress at Cumberland
GREAT PEOPLE
Indian spiced burgers that will make you weep softly
They even have one name after my one legged neighbor " the gaylin burger " lol
@@Vampirita447bot?
Lydia's sworn to carry this burden.
"Ford is not affordable now."
- Woman who bought a Porsche
Like FR
🥴
🤣 🤣
Pre-owned…bc if you’re going to save money go for a lux vehicle that has European parts, obv
Also the piano is very sentimental but I'd choose my car over the rent i pay to house the piano
"Just happened to go to a Porsche dealership"
That's funny, 32 years on this earth and I've never ended up at one of those 😂
I drove to work this morning and accidentally bought a Porsche. There are literally dozens of us. DOZENS.
@@Kaails2424 It's overrated brand anyway.
"I should treat myself because I feel sad"
I've been before. Not accidentally tho and not to spend all the money i don't have
$800 to a church??
I hate how pitiful she sounds, like all theese decisions aren't hers and she is just a helpless bystander
Yes! Vctim mentality
I get the feeling that her mom took out a lot of these cards in her name.
"the way my family does things" and it's just her and her mother with their codependent nonsense. 🙄
Saying she might punch him. She's admitted to being the baby of the family and is so mad at him for calling her out on her shyt, that she's threatening him, when she volunteered to come on this show. She seems like the kind of person that would hurt somebody sneakily if she could. I've watched several of these videos and her attitude is just so rotten. For some reason she seems worse than some of the 30yo entitled brats on here.
She is being passive aggressive, he is being direct. She doesn't like being held accountable.
My grand piano can't live in a studio apartment is a brand new sentence and entirely different caliber of excuse. This is gonna be good.
Same haha
The butler needs space too...😅
This needs to be on a shirt
So not a studio, but like a 2br w a den could work. Piano is in a nook and/or in the room with the Murphy bed (wall bed) where mom sleeps when she's there. Or give mom your bed and your younger body sleeps in the foldout, next to the piano. This is NOT un-doable, she just needs to take the emotion out of her process. Ok, you can keep the piano, but unless you're giving lessons, it's just a huge knick-knack. Can we RENT it out to someone? A bar? The condo? A mall?
Cuz that rent is BANANAS!
I can’t get over how she keeps blaming everything on her dad’s passing TEN YEARS AGO when she can say with a straight face that they “go to Germany for Christmas” and she bought a Porsche for the customer service. Girl.
@@pixiegirl131415 this is a girly that got treated like a princess and I'm guessing Dad was ether a big enabler or took care of a lot of her problems in life
My mother blames her debt on my parents divorce. Yes, he screwed her over financially but it was in 1997. If you can't take responsibility you aren't an adult.
Have to find a man to blame, some how, some way. Once you meet these women, you can see the signs.
I think there’s a misunderstanding here about what kind of student loans are forgivable or can be discharged in bankruptcy. Only federal loans get forgiveness and can’t generally be discharged in bankruptcy. But in some instances student loans can be handled by a bankruptcy. She’s not broke she’s just stubborn and spoiled so I don’t see why bankruptcy would even make sense.
And all she can say about the Porsche is "it has Sport Mode and Sport Mode Plus"...
My 401k is currently sitting at 13k and I’m 26… hearing Caleb say about her retirement account balance “you’re right where I’d want someone to be at 26/27” made me feel good 🥹 I’m also fully debt free and have a nearly fully funded 6-month emergency fund! This channel has inspired me so much to be mindful & responsible about my finances. Thank you for the work you do Caleb!
How much is your car payment? Model/year?
Could you bump your retirement contribution by 1%? It'd be a good challenge that will make a huge difference at retirement!
@@user-ue4he3li8b my car is fully paid off! No car note!
Mine is at 12 k and I’m 27, I couldn’t imagine 13 years from now being closer to retirement than the start of my career and having only that much. Just bumped up the percent I contribute because of him.
Can you apply to go on the show 😅 I need a good example
"I feel like I'm drowning, so I bought a porsche" is a take
It's really hard for some people to say no to their wants or look at them objectively and make a rational decision.
@@shadowfox2120 agreed especially when they’re in a cycle of grief and depression. They’ll do anything for the dopamine hit. Shopping and eating is the easiest
Absolutely wild
Most of these guests, including this guest, need a Psychiatrist.
Grand piano
This isn't financial audit. It's financial sob story from someone who makes 6 figures and can't get her shit together.
Fr why is she even on here 😂
And her complaining about not qualifying for loan forgiveness. PSLF and similar programs are for people who take lower paying jobs that serve the public. Not someone making her salary.
@@courtneya2207
I barely just started the video, I want to bet she has a cat or two.
@@gidgetgetscrafty yea not a women making 6 figures and broke cause she thinks she needs a grand piano instead of a monthly payment that doesn't break her
Says she has been called out her whole life but yet can't handle a single bit of criticism without getting defensive 😂😂😂
She sounds like my teenager when she gets so defensive. She’s extremely irritating
“Customer Service is excellent.”
I have a 2015 Honda Accord and have no idea how customer service is because it runs beautifully.
I have a 2003 Honda accord. 100 percent agree on this
Same 😁
Best thing a person can do is get a great mechanic. I’ve got a 12 year old Toyota that runs like a champ & get great customer service from my mechanic
2013 Honda Accord, never seen customer service.
Same, my 2013 Fit has never had a problem that's required customer service.
Her tone of voice says "I'm a victim" but her eyes say "just give me a reason to sue your ass."
@@HEAVY_IS_THE_METALliterally
Facts
My landlords wife is this way I can’t stand him or his bitch 😂😂😂
I haven't watched the whole video but did she do bankruptcy is that why she owe irs
😂😂😂
She likes the aesthetic of “looking rich” but literally can’t afford it, she needs to be humbled
I can't pay my groceries but I won't give up my Porsche, grand piano or trips to Germany. Her Mom is her accountant and yet she owes tons to the IRS? Make it make sense
As a violinist, I can genuinely understand the sentimental value and musical value of the grand piano. But that doesn’t explain the Porsche or the trips to Germany or the debt. I can’t even.
The 🍎 is right up under the 🌳…think that’s what’s happening here lol.
I'm sure her taxes are shady
Don’t forget she’s medically responsible for others mental heath! What’s a joke
The SAME accountant mom who apparently can't manage credit card debt 😂
My mom would beat my ass if I was struggling to buy groceries with $1500/month sitting in my apartment parking lot.
Same here
Right! Like come on!
Unfortunately it's insanely too common. my aunt babysits for us and is a landlord for some apartment complexs. The number of brand new chargers and Kia/Hyundais I see in these kind of shitty apartments is staggering when I drop him off. I'm betting the car payments are very close to what their rent is
My mom also when she’s never had a new car in her life to save for our education and feed us.
$4k a month wasted on Porsche and storage unit for her grand piano💀
I’d bet $65,000 at 18% interest that she DID NOT get rid of the Porsche
Girl: *starts crying*
Caleb: alright lets go though ypur debt
😂 This is why i love this show
That was such a boss move from Caleb lol
And the tears suddenly stopped 😂
That's whole grown woman xD
So I'm a doctor making more than this person and I drive a 2016 Hyundai.
I often see nurse practitioners and other advanced care practitioners (and some junior doctors) driving SUBSTANTIALLY nicer cars than I do, and every so often I wonder if I'm behind financially or if my paycheck somehow isn't going far enough.
Then I see this woman's finances and think, nope, I'm doing just fine.
I’m an APP and drive a paid off 2017 Accord. No debt, paid off house. These are definitely behavior issues, not financial problems.
Living below your means is never a bad thing, don’t let others’ lifestyle inflations let you feel behind!!
Untill they will be forgiven student loans or getting rent-assitance ("oh it's normal in most European counries") who will pay for that then ? Hint: YOU. (Property tax up, 401 K not so tax-free, Car-tax by weight or wth)
Oof I feel called out. I’m a pharm tech and drive a tesla. Though I saved up a really huge down payment for a few years after I moved back in with my parents who paid for all of my college and are paying for grad school. But I’m very lucky, I definitely wouldn’t have bought it if I had rent or debt. I won the parent jackpot.
You and me both.. I have a 2016 Toyota Corolla.. my APP drives a custom Tesla with her name as the License plate 😂
She makes over triple my yearly salary and yet **I’m** the one with more money. Lmao, it’s not about the money you make but the levels of competence.
It's about frugality and the level of spending.
You cannot outearn a bad spending habit
@@zahraa4149yup
Doesn't matter she doesn't even have that much debt,she can if she wanted to clear debt in a year
@@claudetteodetteat that salary you don't even have to be that frugal. I make half that and support myself and my wife plus 3 pets. At my salary I HAVE to be frugal to make it work. At that salary I would be taking my wife on tons of nice vacations and we'd still have plenty of money left over.
First it was Taquitos, then it was Sweet Treats, and now we're throwing Grand Pianos into the mix? What are these people?
Those taquitos are worth it
What ARE YOU
Exotic animals, "my ring-tailed lemer has high maintenance needs"
Makes me feel better about taquitos
15000 taquitos = 1 grand piano
This isn’t a financial issue, it’s a pride issue. She spends on gifts for other people because she’s unable to say, “I can’t afford it.” She pays her mother’s bills because she can’t look her mother in the eye and say, “No, I can’t afford it.” She’s unwilling to move to a smaller place and put the piano in storage because she’s unwilling to be “the person who had to say she couldn’t afford everything she wanted”.
Pride is one of the sins too. Maybe if she listened more at church rather than paying them she'd know that.
So f**king true
There's infinite drawbacks with honor culture
You missed the car, she cant not own a porsche because what people would say if she bought a beater
My thoughts exactly! She drives a Porsche and it seems most of her debt has been built because she wants everyone to know how much money she makes! I hope she watches this episode and recognizes how frivolous she comes across and that she will, finally take responsibility for her debt. I'm sorry her Dad died 10 years ago, my Mother died 10 years ago, my Stepfather 5 years before that and my Daddy when I was 13. So I get the grief and how sometimes out of the blue it hits, but it's no excuse for stupid financial decisions. She was talking about the baby grand purchase like his death was recent. I hope she realizes what a gift she's been given and can go into her retirement without debt hanging over her head.
“Hear yourself sing” was the line for me like bro you came for help with no intention to change like anything- why do people come on this show with no intention of getting help- to tell Caleb that they know how bad it is and he doesn’t need to tell them like- let’s go to the middle of the ocean and ask where the land is like bruh
I don't know, most of the time they're not quite like this, in my experience. She's definitely an outlier. Most of the time they're clueless about their spending, they are genuinely shocked that they've spent twice as much as they've earned over the past month etc. She seems to already know what she's spending on, it's just that she has classified it all as an "absolute need" in her mind instead of as "wants"
I feel like a majority of these guests think Caleb will gift them with a debt payoff. Otherwise there wouldn't be so many excuses as to why their spending isn't so bad. It's sad and disgusting 😝
12k in retirement at that salary is absolutely ridiculous
And at that age.
When she is 76 she won’t have the support she gives her mom since she doesn’t have a kid to support her horrible choices. She is beyond belief.
At her salary only putting in 12k in a year is ridiculous
Yeah, absolutely insane. I'm almosy her age, 2 years younger, and didn't start saving for retirement until Nov '21 because of my serious under-employment, crazy medical debt, plus some other bad life choices.
But since opening a Roth IRA in Nov '21, that account alone has $24k in it and I also have an employer sponsored SIMPLE IRA that's got around $8k. Oh, and my salary is literally 1/3 of hers -$55k currently
So I make a third of what she does but I've saved three times as much for retirement. That's CRAZY
Even minimum employer match would be $100k easy
Recommendations:
1) Get rid of the car, pay the difference, get a cheap car. Save yourself $1,500 per month.
2) Downsize to a studio apartment and save yourself $1,000 per month.
3) Put the grand piano in a cheap storage.
4) Stop being the gift buyer for other people.
5) Stop traveling.
6) Remove Amazon from your mom's phone.
7) Stop eating out.
That would make a HUGE difference and it’s not even nearly the level of sacrifices so many other guests would have to make to get the same level of improvement.
Easy
Beans and rice. She'll be a millionaire by 50
Just what like, straight to the point 🎉
Stop giving to her church
So… when my abusive father died at age 57 it was this big “family tragedy” so being the oldest child, I was expected to take on his boat. Boat was paid for but I lived in an apartment with one parking stall in 1995. Where am I gonna put a boat? But my mother freaked out at the thought of selling it because it was DADs!!! So stupid me rented a house for five years I couldn’t afford just so this old ass boat could sit somewhere. Had zero money to care for it or even haul it. I didn’t have a truck. So it sat and rotted and got squirrels in it at which point we had to move to a smaller place or starve (baby on the way) so I gave it away to a friend whose parents had a lot of land with vehicles on it. OH I BETRAYED THE FAMILY!!! It was DAD’s money-suck boat and I “threw it away!” Endless complaining from my mom to THIS day! I just want my extra $250 a month I spent in rent for that thing to stay in the family who never gave me a dime to handle its upkeep.
Ind3ed😊
why didnt they take it on then if the boat was so important.
If it was that important to your mom, she should have taken it. Disgusting of her to put years and years of financial devastation on her CHILD (regardless of age.)
Your choice to keep something you didn't want in the first place
This lady said the piano has too much “sentimental value” but then said she would get rid of it to keep her car?
I swear this makes no sense. She is so defensive for no reason, for all the dumb decisions she’s made.
Storage unit..
@@anaaaaaaaaaaaa2093 before that she said she wasn’t willing to put it in storage
The necessity to fart in luxury leather seats
Whamen logic
She can never pay off her 90K student loan but can buy a 90K car??? This is why people get mad when they hear about student loans being forgiven.
Absolutely
I thought it always going to be 10000 maximum then more for lower income ppl. She would still be left with $80k
I honestly don’t care how much they would pay I just don’t understand why they would think paying for people’s college from tax payer money is a good idea it’s not fair to the people that didn’t go to college or couldn’t go to college for other life reasons. I’m happy paying for my education that I chose to pursue. I’d rather see them use that money for more after school programs for kids to get them off of the streets and actually being kids again not stuck behind tablets everywhere they go.
And they have the audacity to complain about the garnishing "how dare they take my money"... lady it's THEIR money! What do you think a loan is? They gave it to you - it wasn't a present.
No joke!
She claims that the piano has emotional value but later she says the car is more important
I noticed that 😂
She gets a bonus based on the amount that she bills. Thats insane. Her finances aside, that information right there shows why the American health care system is so bloated and broken.
This comment should be pinned.
I think it’s based on how much work she’s willing to do not necessarily on billing people for stuff for no reason
This is why you ask for an itemized bill
As someone who lives in a country with free healthcare this concept is completely insane to me. Nurses are directly making more money on people's sickness? Surely this is against what a lot of nurses sign up for? Are people pushing unnecessary treatments?
💯
As a nurse practitioner I am professionally embarrassed by this woman and her attitude.
Same!
💯
I hate to say it, but a lot of nurses aren't spending time learning about personal finance. We're just working and coping for years and behaviors don't fix themselves.
@@jhern083 I don't believe the comment was regarding her finances, moreso her attitude. Being aggressive, argumentative and defensive when she's called out, and acting manipulative and sad when Caleb questions her behaviour. I have a close family member who's a Nurse, so I understand that your personality at home won't be exactly the same as your personality at work. With this in mind, my stepmums personality traits of empathy, kindness and understanding still permeate through in our home, traits that are suitable for someone who's a Nurse. With the lady in the video, I don't see any of those traits. I could be wrong but I don't see her suddenly being a completely different person as a nurse at work, and it's worrying with the aggression she displays to imagine her with patients.
Her behavior financially may not be the same professionally. The fact that she asks for help means a lot. It looks like she really has problem budgeting. Hope she listens and follow what Caleb told her to do..
She’s not there for a financial audit. She’s there to defend her idiocy and then expect Caleb to give her a plan to reach financial bliss with no effort on her part
40 year old woman acting like a child. I'll never understand why people voluntarily come here just to argue and get defensive about issues they created themselves.
They're all spending addicts. I figure they know they have a problem, but being face to face with the behavior spotlights their inability to take accountability.
Unfortunately the majority of people who would put themselves out their to the public with these issues are typically very narcissistic/egotistical people. OBVIOUSLY NOT EVERYONE FOR THE PERSON WHO IS GOING TO GET TRIGGERED! A lot of them are just trying to get clout/simps who will take care of them.
Honestly I think part of it is having someone ELSE make them a budget is just another way for them to deflect and avoid holding themselves accountable. No one needs to go on financial audit to get a budget, she doesn’t want to put in her work
@@maureenviola stop making excuses.
@@garethkalum8297I feel like she's lying a lot - some of her scenarios - like how she got a bigger raise than she requested - don't make sense
She’s 100% not getting out of debt lmfao. Just calling it now. I will be SHOCKED if I see her follow up and she made any meaningful progress.
It sounds harsh but sometimes I don’t feel bad at all that people like her will probably never get out of debt when they refuse to self reflect or change
@courtneya2207 same I feel the same but I'm open to being empathetic to them in the beginning but by the end of most episodes that's completely gone.
she makes $142,000 and pays no state taxes and still she's in debt .... unbelievable someone can be so irresponsible and ungrateful
Died of laughter when said she got the car for 89k and thought the current worth was 90k 😆😆😆
My takeaway is even if you make almost 150k a year, you can still be miserable, bitter and combative because you live CRAZY outside your means.
Money does not buy happiness, but it can remove stress if used properly. If used improperly, especially if you make a lot of it, can create LOADS of stress.
@@28-3MakesMeCry yes but not having money can sure make you depressed and unhappy. and you can certainly buy things that can get you to happy like therapy or free time etc.
I think she lives crazy outside her means because she's miserable and bitter.
This is key. If you want to be wealthy in life, YOU ALWAYS LIVE BELOW YOUR MEANS. It's not hard to have fulfilling life without a Porsche or a piano.
I know people making 500k living outside their means. There is no way to earn yourself out of bad financial management.
“You refused to sign our paperwork for like 30 minutes” 😂 Caleb is so funny
"It was only $20k MORE than my last car" dude $20k is more than any car I've ever owned in total!
Same 😂
Get your money up lil bro
@@Wade-yk9dwI actually make more than she does, I'm also a car guy with an Audi S4 that's definitely not stock. Still would never spend $20k on a car.
Yeah and somehow you still get from A to B. I truly will never understand why people dump so much money into an asset that depreciates immediately
100% I paid $13k for a used Accord 10 years ago. It's a 2009 and runs like a top. Will drive it til the tires fall off!
Yea, if she’d rather sell the piano than get rid of her Porsche then I call bs on it having as much sentimental value as she claims. There’s absolutely no way I would choose even the fanciest sports car over a memento left behind by a deceased parent.
Right!
The Porsche is a status symbol which has more value to her than a sentimental piano
Also, the piano is an excuse to have a fancier place to live. She’s giving herself too many excuses.
Her dad would rather see her debt free than playing the piano. He would have probably told her to donate that thing and downsize because he loves her.
She’s spoiling herself, which isn’t actually love; discipline is.
This woman is a perfect example of how its your mindset that keeps you in debt. She makes enough to live a comfortable life and she's poor because of the choices she makes.
Of course Porsche has good customer service, you’re paying 90k for a car and $400 for an oil change. They’re over the moon to sell it to you. 😂
brilliant cars, but no one on less than 300k a year should be buying one haha
Are they really 400) for an oil change? lmfao
@@picassoflex1832 from what Google says lol
@@CianMcsweeneyamen to that. I owned a Benz until a year ago, first 7yrs it was a dream, but the warranty ran out and everything started to fall apart and break. Timing chain, transmission issues, door handles etc. I did my own oil changes because it was $180 labor plus oil, filter etc. Those Euro cars are nice but maintenance is where they get you. I sold it and got a Nissan suv
@@picassoflex1832depends on which model you get. It can be as high as 1200 for a basic oil change service lol
Imagine signing up for help and then actively threatening to fight the person trying to help you.
She was obviously joking. She had enough financial bad takes without getting sensitive about some joking around.
Welcome to the republican party
@@Regulus3333and yet she wants her student loans forgiven?
“Thank god that charge was not fraud”. Yeah god forbid a fraudster gets access to your credit card that has $400 left before it hits the card’s limit 😂
😂😂😂 You killed me!!!
"It's all my fault"
"Yeah"
Watching her manipulation attempt not work was delightful
Right! 🤌 chefs kiss
Her attitude was rather unlikable
She's so aloof. "3Tell me want you want, I'm the big earner here."
She’s obnoxious. No wonder she’s single. She probably thinks that porche will attract a high value man 😂
Her monotone is annoying
Remember guys it’s not about how much you earn it matters how much you keep
@@Mrmysterious-dj1ov Amen brother
"I've been called out my whole life" meanwhile... "Whatever we wanted we got growing up".... 😂
"I just happened to go to a Porsche dealership" god i hate when that happens, the othe day i meant to go to Aldi to get groceries and BAM theres 911 turbo in my driveway.
"Again!? That's the third GT3RS this week!" 😂
Seriously. Last time I was looking for an affordable family vehicle I accidentally got a BMW M44i coupe. Whoopsie 🤪
@@FirinMahLazer1the same thing happened to me,I was looking for a minivan and ended up getting a M3 😒😒
Ooopsies
Right!!! The other day I just happened to go to a Lamborghini Dealership. They kicked me out...😂
She wouldn't need any customer service if she got a Honda or Toyota. Our cars last hundreds of thousands of miles with just oil changes.
😂😂😂😂 omg 1000%
I was thinking the same thing! IMO if the car was well-built, you wouldn't need excellent customer service because it wouldn't need that much maintenance and repair.
3 Rav4 hybrids = 1 Porshe
As a toyota and honda user, totally agree!
Exactly! I would love to support America made cars but unfortunately I cannot afford too..they do not last as long
want to thank you for opening my eyes back to budgeting. We were hurting and I finally sat down and was able to make a budget for our family and the first time in a really long time we had money in the account by the next pay period and the credit card was not used at all. I want to thank you for saving my families future.
So proud of you! Keep going ❤
I’ve genuinely never, in my life, ever heard of a person buying a car exclusively for customer service. That’s such an insane concept.
Plus if you have a reliable car, you’re not going to be dealing with them much.
It's called ✨ justification ✨
@@laurab5849 Bought a 2014 Subaru new...10 years later I've been to the dealership maybe 3 times for normal maintenance items that I felt they would do a better job of than a regular shop because they do it all the time. I always get OEM brakes instead of cheap alternatives, I wanted the dealership to do the flush/fill of the differentials on the AWD system...etc.
Eh, coming from someone that’s worked in a number of dealerships, the old saying is pretty true “sales sells the first car, service sells the second”. I’ve learned over time to buy Toyota over Chevy any day for that simple fact.
@@MrLeastAviationI don’t understand why people go back to the dealership in the first place. I guess it’s because they buy new. I buy a used car and take it to my local mechanic who’s great and cheap. Never need to step foot in a dealer
Buying a car based on the company’s customer service rather than the cars reliability is a crazy reason
In fairness porshes are some of the most reliable. The real problem is the cost of the car and the maintenance.
Buying a car she can't afford is insane. She already had hundreds of thousands of debt. I am an NP. I retired from the military in 2023 and now work as a civilian. Combined incomes I make about 230K a year. I drive a 2015 paid for outback that I bought used for cash. The danger with this lady is if she gets sick or loses her job? Done for. Gets sued by a patient? Financial ruin. Debt is RISK.
Exactly. If you buy a reliable car, you don’t need customer service.
@@drn13355could not agree more, similar income here and I drive a 2011 single cab ram. Does the job, point A to point B and have the bed for when I need to get stuff for my house. Ppl want stuff they can’t afford, American way of life I guess.
She could've got a benz if that was the case
I swear, ever since I started watching these videos, when I am about to make an unwise purchase, I can hear Caleb in the back of my mind screaming at me. BUT it has played a role in me saving thousands vs hundreds every month. THANK YOU!
I’ve only been watching since last night , couldn’t agree more
High earners drowning in debt will always baffle me
That lifestyle inflation is a beach
It makes me laugh. Those people are so dumb.
Lifestyle creep. It's nefarious.
It's wild. I think the average person could make those salaries go crazy far.
Especially those with no kids!
I’m 42. My dad died 6 yrs ago. The piano he gave me is in storage I’m paying $283 for each month and have lowered my rent doing a room share to get my debt down. And I live in NYC. Thank you Caleb! No more excuses.
I'm 42 too. My dad died last year. I never used his death as an excuse for anything. He was in poor health. So that inspired me to get healthy.
That storage thing is sooo American. You guys pay money to store things you will never use. I don’t think any other country even has such a system. Pay $300 a month to NOT play the piano?? I understand the sentiment but that’s like 3 grand a year, with compound interest (lost) it will be like 50 grand over 10 years
Basically an inheritance that keeps you from buying a house
@@OlegAryutkin They can play it in the storage unit, just like Caleb said. 😆 Anyway what systems do other countries use?
@@OlegAryutkinthe purpose of storage isn't permanent, ya goofy dunce 😂😂😂
From my experience: 3:22 if a mechanic or dealership is taking 3 weeks to diagnose or fix your car - they WANT you gone. We’re clearly not getting the full story on that one.
Saw a tik tok comment the other day that they were making 200k a year and living paycheck to paycheck because of the economy. I swear…it’s like a sick joke.
It’s insane, I make only 55k/Year family of 3 and still have 300-500 extra savings \fun money a month even after 10% retirement savings to my 401k
@@burn007where do you live lol
I feel like those people aren't telling you that they're maxing out their roth 401k when they say they live paycheck to paycheck
sometimes. you would be surprised how many people before they pay off anything like student loans will buy them and their spouse like 80k plus vehicles maybe crash one get another and yes they own a home which is great but maybe it was a little reaching on this specific home and then dont watch spending in anyway at all. multiple vacations a year etc. my step father who i no longer talk to was for almost all of my knowing him made 100k plus a year in a like 98% of the time dual income household. he never bought a home isin his late 50 in debt stole thousands of dollars from my sister because there is no budget. just full buy whatever they want whenever expensive truck expensive car crashes all the time his insurance is or nearly like 1k a month due to all his accidents. its crazy.
If could make 50k a year I would be able make decent progress on my life it’s crazy how much just spend spend spend 😮
I think I enjoy the higher income guests the most! Gives us insight into the fact that just making the money isn’t everything.
At all tbh. It's 100% how you manage it and mindset
More money more problems
And I like when the “high” earner is $120-150k. It’s somewhat relatable. A lot of us have the potential to make that kind of money in our career paths (even if it’s a dual income family)
“The chiefs before Taylor swift” is the biggest pick me line
Not a Taylor Swift fan at all, but yeah, this seems like someone who wants to pretend she was super into the team and stuff before TS started dating what's-his-face (I don't pay close attention to celebrity news lol).
Its a good reminder that just because someone has nice things, does not meam they have money
Hell i'd say most of the time it means they have a mountain of debt lol
She wants a Porsche, her expensive apartment, restaurant meals, etc. And then wants our taxes to cover her student loans, her retirement and anything that's a real need. Beautiful.
She's the classic conservative who bitches about personal responsibility and takes none.
And she’s a republican lmao
She's living like a Dr on a Nurse Practioner's salary. I don't mind loan forgiveness for health professionals but she makes a similar amount to me and I drive a Toyota not a Porche. She could just stop spending and easily get herself back on track.
Most of her generation feel the same way. How DARE you say I should pay my student loans! And dopey Biteme administration play to that.
As a nurse, I worry about how she must speak to her patients. Often, patients need support and understanding. Her snarky and condescending tone could really hurt someone. We nurses are not all like her. I promise!
She has $93,000 in student loans and thought it was a good idea to buy a $90,000 PORSCHE?! Jfc 🤦♀️
Can’t help people who don’t want to help themselves
BuT I dEsErVe iT!!!!!!
and $30K??? in credit card debt?
😂😂😂
Its 20k cheaper than her ford! Come on guys understand!
Pay off 90K student loan ❎
Meet goals of giving ❎
Buy house ❎
Buy 90K Porsche ✅
Don't forget the grand piano lol
hey, at least there’s:
pierce ears✅
Sorry slight correction
Finance a 90K Porsche ✅
She doesn’t own the car the car owns her 😂
Donate to ActBlue too.
she could buy a house with that income and literally find one with permanent spot for the piano. and she could actually afford the house unlike most people. the insane amount of money she pays for rent could actually go towards the house and she gets to keep the piano too, so it’s win-win
I've genuinely tried to finish this one so many times but the way she talks and acts in such a pitiful "I'm the victim" way makes me mad especially as her debt keeps getting worse throughout the video.
This has really made me realize that it really doesn't matter how much you make if you have no financial literacy.
Hence why there are so many lottery winner horror stories.
Absolutely
My husband says the more you make the more you spend! 😮😮😮😮
This is precisely why generational wealth doesn’t really matter. Generally, it vanishes within a couple of generations. It’s built by someone with financial literacy and then spent by their kids and grandkids, then they’re a poor family again waiting for someone to come along and build it back up. Also why capitalism is awesome, you can become rich simply by making good choices and working hard. People slide up and down through social classes all the time and there are very few barriers between social classes. I used to think I’d be making $30k a year for my whole life, then I found a job that I was qualified for and paid well, now I make about as much as this lady does with minimal overtime. I’ve made strides up the social ladder. It’s amazing. I’ll set my kids up for a decent life and if they screw it up, that’s on them.
The lifestyle inflation is real. Not to mention as someone who was terrible with money, if you find yourself spending your entire income every paycheck (even after expenses and bills, I get and have been in the position where I was literally paycheck to paycheck), then getting more money won’t solve your problems; you’ll just end up doing the same and buying even more things.
This is the first person in a long time I truly have zero empathy for.
"heck no, I would not vote democratic" and then like 5 mins later, "oh yeah, I did do thar. My friend is running for city council"
How do you end up so unaware of how you spend your money that you're donating to a party you apparently dislike?
She is right. Her Porsche will not depreciation like other cars. It will depreciate much faster than your typical car.
Porsches hold their value really really well…. Unless she bought a Taycan.
@@MRCL-190 true unless they have mechanical issues, are parked outside or you have a prang... not the best choice for a daily.
It already lost 30k in a year
If you need a loan, you can't afford it. She should be able to buy a decent car outright for under $20k. But instead she finances a Porsche. When I see people like her out driving around, still renting an apartment, still making car payments, owns none of it, and everything she has is purchased with a loan. I don't envy that. I'll keep driving my 2019 Ford fusion that I own , and I don't care that my passenger doors are smashed when I was a victim of a hit & run, it doesn't *need* doors to drive lol. I own it, the repo man ain't coming for it, and I think Ford has great customer service. I'm at 177 k miles and the only mechanical work I've done besides oil changes, tires, is replace the battery and wheel bearing for a few hundred, oh and I did the brake pads, once. She runs great. And stops.
It holds value better than other luxury German, but not better than Japanese mid level cars for sure
i’m sorry but whatever church was able to get her to donate $800 a month is really putting in the work to get their pastor a private jet.
She probably believes tithing from the Old Testament. That's giving 10% of income to God as "first fruits." If so, any church she'd go to would get $800 a month as long as she was bringing in $8,000 a month.
There are 3 forms of Biblical tithing in the OT. One is the 10% for giving to the synagogue (priests & poor). The next is saving another 10% for yearly travel expenses to Jerusalem for the Passover. The last is to set aside 10% of what you produce in the 3rd and 6th years to give to the priests & poor to help support them.
These days Christians who tithe generally offer 10% of their monthly income and call it even. Jesus doesn't mention tithing except to say we need to give more tjan money and offter service, tkme, and talents on top of whayecer funds we share. Now Paul? Paul speaks of setting aside a specific weekly offering based off one's income in 1 Corinthians. People debate if that's a tithe or not. He doesn't say 10%, he does say based on your income. So, she could give less than $800, and if she feels guilty, up are acta of service, time, and talent sharing to compensate and that keeps in line with the NT even if it doesn't strictly follow the OT.
$800 would be a normal 10% tithe that most Christians feel led to give to their local church. As someone who tithes 10%, I would not do that if my pastor was buying private jets. Most of my church's budget goes to missionaries local and abroad who do great humanitarian work as well as share their faith.
Fr that's too much.
@@nail_fiend1962 I was gonna say, 800 is an appropriate tithe for her income. I can see how people who don't ever tithe would see this as a ridiculous monthly expense, but for many people it's very normal. (Plus, for many people, it's also "normal" to give much MORE than 10% of their income on junk like Starbucks and fast food, which I can't relate to, sooooo...)
@@ayachitsure I would much rather people put their money towards junk like Starbucks or fast food than it go to largely corrupt, tax dodging religious institutions to be honest.
I love how Caleb understands love for pets. I did "budgeting" counciling from my church in college. I was just needed to earn $50 more dollars a month. My pastor said I should get rid of my dog. I gave a strong "NO". A few months later I decided god didn't need my 10%, and then left the church. My dog was the being that comforted me through stress, depression, happiness, etc. I only felt judged at Church.
@meg - Have you considered your indignation could be misplaced? There are many ways to budget. THIS church’s budget didn’t include animals. I wouldn’t go to this church either. ♥️
Why did it take you so long to decide?
@@pamsmith1665 deprogramming takes a bit.
She doesn’t think she’s passive aggressive.
and i belive her that she gets physically aggressive to... double whammy
Crowdstrike down, Microsoft down, planes grounded, markets freaking out, but at least we can trust in our Financial Savior Caleb Hammer 🙏 HAPPY FRIDAY!
This is news to me, wtf?
Canada markets been doing weirdly well this week (though they are also getting dragged down today)
Does the Hammer run on Linux 🐧?
Buy
Ive been working with customers all morning and all i can say is, Until CrowdStrike rectifies the problem on their end, there's nothing we can do about the software running on your server
makes 140K a year and is talking about student loan forgiveness. shes delusional
And there are people around the comments section justifying it 😂
"You can't afford groceries?? And you got a porsche??"
"Yeah! I did!"
Sister why are you proud of that 😩
Keeping up appearances so important
Getting bonuses based on medical billable services, just feels unethical. It feels incentivized to order unnecessary testing.
Yup. This is why healthcare is outrageously priced.
The American healthcare system is unethical
Edit: Typo
Most practioners have quotas on billables and number of patients seen. The medical field is no different than any other business.
@@cherfrench6087 only in the USA 🇺🇸
Productivity needs to be rewarded. Practitioners that see more patients shouldn’t be paid the same as the practitioner that only sees 2 patients a day. Billing codes ensure each visit type is billed correctly so providers are paid for the service they provided. If someone sees 1 patient a day but that patient is an open heart surgery, they shouldn’t make less than the family med doc that does 25 wellness visits a day. Also important to code correctly to prevent fraud.
When she said she got a Porsche after coming from a Ford edge, I figured it would be one of the Porsche SUV/Crossovers, possibly a Panamera. When she confirmed it was a Macan and that she spent 90k on it used, along with that 0-60, I knew it was an insane top trim model. Make no mistake here: unless she got supremely suckered by a salesman, she went out of her way to buy the most expensive model of Macan she could possibly buy, so pretending even a little that she was doing anything other than treating herself to the max is laughable.
She definitely blames Biden for the price of groceries making her broke while spending $4,000 on an apartment and car. 😂
She absolutely does. 😂😂😂
What's funny is that she probably voted for him. She donated to act blue lol
Crazy a person that may very well need social programs someday and is willing to have student debt forgiven, hates Biden.
No- she only donated because a friend is running for office. The Taylor Swift comment is a dead giveaway this person believes a lot of internet political bullshit. Definitely not blue.
@@Kaails2424she’s def not blue. If you listen to her response when Caleb mentioned that, she immediately winced and said “absolutely not” or something to that effect, and she immediately thought someone else used her card….there are other indications that make me think she voted Trump all the way
In my early years in medicine. I realized that the surgeon and the janitor had the same financial worries . Except one pays 500$ month for a ford and the other pays 1,900 for a BMW both stressing about the 1st of the month. Taught me a valuable lesson seeing both experiences from a far about money .
Except no surgeon is stressing out about the car alone, but perhaps the mortgage and private school and spendy spouse
I’ve only seen the shorts, I didn’t know your videos are averaging half a million views recently your killing it dude
Dave Ramsey says you can’t out-earn your own stupidity…he’s probably right.
Can’t fill up a hole 🕳️ your in if to busy digging it deeper 😅😮
Donate the piano to a music program or a school. Theyll pay for someone to pick it up and you can write off the appraised value. Or give it away for free if someone just pays to move it.
A grand piano is worth alot of money. If she wants to pay off debt, and she wanted to get rid of it, she should sell it and put the whole sum towards her credit cards or student loans
@@angelinawhatsherface5907 did you not watch the episode? She talked to a piano dealer. Guy said there's no market for them right now and he has multiple he can't sell. Market dictates price. So for now its worthless
I was in the Same situation. I ended up donating to a church. I'll get some kind of other one later
@@N-O.there will always be someone willing to pay more than $0 for a grand piano.
@@small_golem did you read my initial comment. Donating it you can write off thousands on taxes...... so i would rather write off thousands on taxes than take a couple hundred cash.
As a nurse who works on a stroke and neurology unit with many geri-psych patients, I CANNOT imagine her being compatible with that patient population. For her patients' sake, I hope she is someone who is very different in practice than she comes off in this interview.
Do you live under a rock? Most nurses live beyond their means lol
@@Ww8.3she’s not referring to her spending habits with this comment
Hopefully, she sees a bit of her own father in each patient. I don't see her being compassionate or understanding otherwise.
It’s been a while since we’ve had such an aggressively defensive guest. Kind of a refresher 😂
Bro like so angy. Maybe she needs a snickers.
@39:55 "Let's play hypothetical. Gun to your head. You are inside of an elementary school. What would you pick?" Had me dying. Out of pocket Caleb, but I love it.
and her response 😂
A 40 Year Old Child playing victim when she makes WAY more than other people who are struggling today.
She doesn’t even pay her phone bill because it’s a family plan. There’s weird enmeshment going on there
"That's optimistic for someone who can't buy groceries." Caleb is SAVAGE.
Not this lady making over $130K and still complaining she owes on taxes when she overspends on everything else. WILD!
Every time I watch this show I transfer 100.00 into my savings.
So do I 😅😂
Love this! I’m starting
I should do that too lol
I am sitting now calculating my budget.📑
Put it in low risk stocks! I wish I had been doing that but I just started. If you look at the lifetime of these low risk stocks they keep increasing. You can lose money short term but you need to set it and forget it. I realized savings is just money sitting there giving me no benefits. If I had it in the low risk stocks from the start of this year I would now have a return of 30%
Caleb please do more guests with high incomes 100k plus!! Love seeing this and not just some broke 20 year old working at a fast food place
Stupidity has any salary!
This is one of the most insufferable people you had on this show.
“We are a Ford family” - her
“Why don’t we get a car we can afFORD?” - Caleb
Idk if you meant to do this, but I appreciated it.
that was an old Ford commercial, back when then launched their installment program... and it's been trapping people in car debt ever since.
I thought Ford had a terrible reputation. Someone said the brand stood for: "Fix Or Repair Daily 😂
@@MPPG663 I've also heard "Found On Road Dead" 😂
@@MPPG663 BS
@@MPPG663 Today Ford is probably the most reliable of American automakers. Better than GM and definitely better than Chrysler, but still worse than Mazda or Toyota.
The defensive ones always get me, you know you’re gonna get grilled by Chef Caleb Ramsay
I question how many people watch the onboarding video
Im fucking dying when Noah said there was a lot of passive aggression in the room and she thought that was referring to CALEB intead of herself.
@@conniezhang3913I love Noah, I want to get audited just to meet him.
One of the biggest fears I have is ending up like this lady and making a lot of money but still paycheck to paycheck
Girl, why are you here if you’re gonna get upset for being called out on your bullshit?
It's almost like she's never watched the show before.
They all do that I notice. I guarantee they look for a certain personality type to maximize viewers. I'm not complaining tho😂
She’s not going to change. She is 40 years old and set in her ways. The question is why is she here?
@@ghoulishtoadI don’t think it’s that Caleb and the show are looking for these type of people, it’s that these type of people are the MAJORITY of people who are asking to be on this show 😂
@@Timbo360 That could be true too 😆
40 year old high earner justifying a $1,500 car payment two seconds before saying she’s been drowning lol
Her car is more than 3x my monthly payments and I make just a bit less than her 😂
That's pretty crazy not including maintenance
Just... why can't she get a better place AND sell the DAGGON Porsche? Go get a nice Hyundai or Toyota... Even go get a Lexus, if you gotta *look* a particular way. Ma'am , I get that grief makes you do strange things. I've been there, made those mistakes, but she's diving SOOOO deep. Her dad WOULD NOTTT want her living this way. That's a good point that she needs to hear.
Imagine the car insurance for the car😂
@@danielleburke87painful thought.
😂 This is next level, Caleb. Ramsey says you can never out earn stupid. This is the poster child. This show is my guilty pleasure.
"You went into debt for Starbucks?! It's not even Pumpkin Spice season yet!" 😂
I am a pumpkin spice girlie
the way i instantly rolled my eyes to “yeah i don’t like pumpkin spice” GIRL SHUT UP 😭
@@marielasalinas5491as soon as nurses leave their 30s they enter a pick me era unrivaled by any dementia riddled mee-maw. “I don’t slap I punch” PLEASE shut up you owe the IRS
@@CalebHammer Not surprised by this 😂
Reading this comment LOL as I eat pumpkin pie 👻🥰🥲😂😂
Wow the tone she said “I know “ was absolutely disrespectful to Caleb
She volunteered to be on this show
Her audacity is just so disgusting
He called her a nasty Karen though. What's that all about? It's much worse than her saying, "I know". But you ignore it.
@@dtz1000 Timestamp?
@@dtz1000That's his whole channel... if you don't want to be ripe for mockery then don't watch it and/or go onto it.
Exactly what I was thinking! Then what are you doing in the show if you allegedly know everything!
@@alrightbro Timestamp? Try looking at the title.
Caleeeeebbbbb! As of yesterday I’m credit card debt free! Because of this show I was motivated to pay that shit off asap and yesterday was finally the day! Wooooooo!
2 months late but congrats!!!!
The audacity of this chick. She complains that she cant afford $350 a month to pay down $90k in student loans, ans cries that they wouldnt help her lower the payment.... But then goes out and purchases a $80k CAR and pays $1500 a month no problem. Her logic needs some really over haul!
It's "conservative" logic