She Hates Me | Financial Audit
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If anyone is curious, the silence after "you can't listen to an ad?" was 7.35 seconds
😂
This episode seems painful to watch
Thank you.
That was so creepy and awkward!!
She’s a scary human that probably has a pin doll of Caleb.
Listening during work, I thought my phone was buffering 😂
To be fair, on the spotify app you can't do JACK SHT with a free account
If you're pulling in 20 grand a year, and you've got $70K in bad debt looming over your head, I regret to inform you that Spotify is not in the budget.
Honestly. I make considerably more than that and if Apple music wasn't included in my phone plan I wouldn't be paying for it I'd be hitting the bay lmao
I'm obsessed with music and podcasts (32k minutes of podcasts and 29k mins of music in my 2023 unwrapped). I listened to Spotify ads until I paid off my final mortgage payment last year. Now that I'm debt free, I pay a sub.
but she listens to it every day! lol
@@miriamkivlehan3498 champ
Brother $100 a year is not digging you out of $70k debt(most of which is student loan debt which is low interest and deferred till after college)
It's probably worth the hundreds of hours a year to her, especially with the time someone in a field like that spends studying
The less than $400 she would save before loan payments kick in will make no meaningful difference.
Saying "we come from different worlds" while not knowing someone background and going to them for help is crazy
He thinks he is better than Caleb, while evidently Caleb is better, he’s successful and has his finances in check.
Grandiose
Caleb replying right away with his Musical studies was satisfying
Arrogance personified
@@DX-d She
The “you can’t listen to an ad?!” really hit me tbh, I cancelled my TH-cam premium so fast after I heard that. I had my mulan moment of looking at my reflection and realizing I can listen to an ad
@@aa-kp1pmcan’t do that on the app
@@aa-kp1pmplease, show me an adblocker that’ll work for youtube on TV or for apps on mobile, or is this something that only exists outside of north america?
Oh my god, a Milan moment 😭💀
TH-cam premium is awesome cause when I leave TH-cam the music stops playing without it lol
yes especially if there are apps like newpipe or grayjay for Android and you block origin as browser extension on a pc
It’s always odd to me how people (especially “academics”) can come off as elitist and be broke at the same time.
They see education as a form of class, the higher the education the higher on the hierarchy they think they are.
It's funny because most of these PhD types couldn't do the work of an average blue collar worker
This!
it's the old "starving artist" trope. Academics, more than artists, have this "suffering in the name of wisdom and higher knowledge" syndrome which, in their inflated opinion, sets them above the unenlightened common man!
I was married to one, and he never recovered when non-degreed me (at the time) scored higher than he did on an iq test! That's when I realized I was smart enough for college. This was the early 80's, b4 all the gender studies and trans nonsense.
Things were beginning to go south tho, and I forced myself thru, believing it would be worth it. Once in the working world, that bubble burst quickly enough. I was angry, but I handled it. I'm not as hopeful for this guy.
@@americangirlx4I’m confused on what “gender studies and trans nonsense” means in this context
@@lololuv2012 Are you being obtuse or do u have some sort of cognitive deficit I should be aware of?
I believe I stated that uni's still taught "more objectively focused career minded subjects" in the 80's vs the ideological and "feelings only, subjective truth liberal nonsense" being forced on students today.
Hope that clears it up for u. If not.... Study Mark Twain. 🙃
She complained about being called immature but had a passive aggressive and defensive attitude during the whole episode. Girl I'm sorry but if you can't take criticism about cancelling a Spotify subscription while you have thousands in debt, you're immature.
Exactly, she can listen with ads, it won't be the end of the world 😂
Bingo!!
girl?
That’s a dude.
I understand that. I understand that… do you? Do they really understand that? Oh my gosh…
She says “I understand” a lot for someone who does not, in fact, understand.
*He
The ego is massive
@@daddyshark3105 you're in every comment doing this bro. 😂 congratulations you know pronouns; are you ready to graduate kindergarten?
@@BIGFOOT-ENT. Hahaha! horrible analogy. Someone with that lack of education, skill, and level of maturity level shouldn't try correcting people when they're going to be embarrassingly wrong 🙌🏼😭
He
This was exactly why I didn’t go into academia. This person REEKS of pretentiousness.
“I just don’t think you’re correct”
“Ok…..that’s fine 😐”
Having a PhD doesn’t equate to having intelligence.
Yeah, it'll get out of school and "protest" for rights it already has for a few years then complain about capitalism while collecting welfare and snap. It's a very common mentally ill college kid arc.
Yeah, I have a bachelor of arts with a history and english major and education, theology and marketing minors. Most thought I'd just go into being a college prof but I learned I don't fit in that ivory tower when I was first getting an Education major. I like learning but not paying for it in a silly classroom. Better, quicker and cheaper to learn on my own. Most think I have a higher degree than I do, which is fine.
Your 'degree' is just as much as a waste of the guests 😂😂
Sometimes, people get a PhD due to lack of intelligence. When I finished my bachelor's, plan A was to get a job and plan B was to do a master's. Several of us had that plan. As you can imagine, the more intelligent ones are more likely to get hired. It's not unusual that people continue in academia, because they are unable to get a job.
Her, homeless by the dumpster, watching successful people walk by:
"They don't know I have a PhD."
“Can’t listen to an ad?” The silence after that was deafening
Literally had a mental reset
Would have been a great place for a sponsor read
He had such a mad ass look on his face.
Just use adblock and it fixes the issue too. 😂
Oh boy was it palatable
such an entitled person.
“you wouldn’t understand”
“so i need you to stop using the word mature”
you’re literally immature. you’re a child justifying your expenses when you’re broke.
Look up vulnerable narcissism. A professor at my school presented an early draft of a study he did to some of us at a dinner. Absolutely mind blowing looking at it from a scientific perspective. It’s narcissism, just expressed in different ways. A victim mentality that society encourages.
Immature, entitled, terrified of criticism, defensive about everything, transitioned, mental health issues... This is only gonna get more common guys, unless we as a culture push back on this more.
Bet my house she votes Biden,,,,,That is what you get!!!
Late to this video but the whole "youre not going to understand this we come from different worlds" and then Caleb said he also perused an arts degree. Ate her up 😂
GOTTEEEM!!!
*Him
post graduate study and a bachelors is very different. caleb is saying his friends experienced that not him.
Timestamp?
@@andrew-rn9uiaround 19:50
She was insufferable. The idea that she would be a teacher, in any aspect, is alarming. Her defensive attitude and trying to sound like she knows more than she does, when she literally chose to come on this show? Stop it.
thats a man
@@revanite2982 right there’s no fooling us with that. It’s so funny people in the comments will call you science deniers for saying that transgender studies is a scam.
He
Spoiler. The schools are already filled with people like them
@@revanite2982 weird how you haven't learnt about transgender ppl yet and common decency
I applaud Caleb for keeping it professional despite the guest being very defensive. Its hard to do that sometimes!
He provided exactly the perfect amount of push back. Caleb really nailed this episode
She will be in debt for life and blame everyone else
2 seconds before he said “immature”I said the same thing out loud! Caleb did great! The whole time I was thinking why did this person come on? 😆
@@TechGirlTiff She definitely gives "I'm superior because I have a niche degree that put me 6 figures in debt" energy.
@@TechGirlTiff Just say youre transphobic lmao
“ you’re not going to understand this. We come from different worlds,” is the understatement of the entire episode.
Yes, we all come from the world of reality.
The "precarity" of it all
Love the way Caleb handled her with this statement.
@@brookescanlon5888*him
Thinking she'll make 65k as a newly-minted English professor made it especially clear to me that she does not understand the reality of academia in 2023.
@@NaeOnYTcolleges left and right are slashing arts programs. You are spot on.
Not having merch saying "Not having an emergency fund IS an emergency" is an emergency, IMO.
I’d buy it
Criminally underrated comment
People with PhD in some useless degree never cease to amaze me when they complain about having poor finances. They were smart enough to pursue a PhD but not smart enough to know how their choice would impact job prospects.
It took me a while to realize this but you have to decouple one’s academic titles (especially PhDs) from their ability to make basic rational decisions in their life regarding finances and other life skills as well. As someone who finally got their PhD, I quickly realized that life requires you to learn so many skills that are completely ignored in your academic journey. So keep in mind that all these fancy titles do not indicate good financial management (even if your degree is in STEM field). Budgeting and sticking with it requires discipline and delayed gratification - things that are becoming more difficult to learn (and maintain) in today’s world.
To be fair, these people are effectively children (you become an adult by standing on your own two feet in the world, which a person who has been in school has not done even if they're in their late 20s), and there's a whole "education" infrastructure set up saying "if you keep paying us to award you papers saying you're really great at the language everyone in your country speaks and uses without issue, you'll be a deeply respect member of society who can be director of a writing center even though it'll probably take you five years just to start realizing you need to show up on time". They really are being sold a ridiculous lie.
Seems like Academia today is the source of a lot of the troubles in life today. A lot of the SJW come from these institutions
Ph.D piled higher and deeper
Guest got 69k in loans to study Shakespeare.
Caleb: oh, so what are you going to do with the degree?
Guest: 😠😠YOU WOULDN'T UNDERSTAND!!!
He definitely would teach a class called something like “why romeo wad actually a trans lesbian black moor”
Yep, The delusion and entitlement is unreal.
God yes.
I have a daughter spending 6 years to get a fine arts degree. Me: How…the math? Her: YOU DON’T UNDERSTAND ME!!! I WILL MANIFEST THE MONEY!!!
I cut her off recently. I don’t think she realized all her prior manifesting was just spending my money.
"Parents just don't understand!"
@@IbrahimMuhammad_114 "Shakespearean solutions to (self inflicted) problems: to be or not to be a victim"
Caleb is a SAINT for not just ending the interview after about 10 minutes. This was hard to watch.
Yes indeed
He definitely had to put the kid gloves on for this one, she couldn't stand being called on her bullshit.
my buddy originally was going to school to be a financial advisor and quit because this is basically the situations you often deal with.
I enjoyed watching this audit so much 😂
@@krninja22what ?! This is obviously a strong and beautiful woman ! How dare you 😅🤣😅🤣 ???
The ex wife dodged such a bullet, the attitude is beyond abrasive and off-putting
@@Catmom-gl5ntDoes it feel good to be hateful?
Im confused, is this a dude in a wig?
@@jarjartimothyhughes1what is hateful about not wanting to undress in front of a male?
@@davecasey3625 Nothing hateful about that, the commenter just doesn't respect women's rights
@@crashtestdummy1972it's a trans woman, so basically yes
As a young person taking a ridiculous amount of debt to learn about Shakespeare..... to then get a job teaching about Shakespeare to a group of young people that are taking in a ridiculous amount of debt to learn about Shakespeare.......sounds like a scheme to me 😂😂
Most of the students won't major in that though. It sucks we have to pay so much for the class to get our degree though. I was in college for computer science for a couple years before my dream job fell in my lap and I remember having to take so many useless classes unrelated to my major the first year lol.
Scheme…… or scam??? 🤣🤣🤣
@@Kbru829 I know what you meant, I was merely simplifying 🤣🤣🤣
Shakespyramid scheme
Shakespeare MLM. Just recruit new high school grads to be your class downline.
“I won’t have any problems getting a job. There are lots of jobs I’ll be able to get”
Proceeds to demonstrate exactly zero interpersonal skills whatsoever.
I must have missed that. I thought she said that it was difficult to get professor positions
I can bet you this person is going to be a headache and a half for many departments unless an attitude change takes place. This was one of the hardest things I learned myself when I got out of college. Technical skills aside, people care a lot about social skills. I can bet you this person will be an HR nightmare, and potential coworkers are going to walk around eggshells trying to avoid trouble.
Personally, I see no problem with relying on magic money that'll appear in the future and don't you DARE say I'm immature for doing so!
@@somethingawesome1462well you managed to miss that it's a man so I'm not surprised
Right…they didn’t come across as particularly likable or intelligent in this convo. Obviously lacking maturity in a lot of areas, too. Add that to the fact that a lot of ppl don’t wanna deal with the potential HR nightmares of the gender specials..??? Yet they think they’re going to get some special academia job any day now.
“We come from different worlds”. This was so condescending. But when looked at in context of this whole interview, this person definitely does. This person lives in a fantasy world and Caleb is living in reality. Our world is so effed because this person’s self-righteous attitude is unfortunately more common than ever right now.
“Don’t use the word immature. It’s very upsetting.”
Lollll. If the shoe fits.
It's very common for people that have lived in school for almost 3 decades. It creates this weird hostility where you think you're an enlightened being and understand everything, when in reality, the value of a post secondary education is getting lower and lower by the day. Universities are activist daycares nowadays.
@@martymcfly88mph35 absolutely correct.
100%
the dude in a dress lives in a fantasy world? no way! you dont say.
What really crushes is me is the fact that this person wants to continue to go in school. I wonder if she is only continuing school because she needs the validation she clearly gets from it.
One common theme with ALL of Caleb’s guests - no matter what financial situation they come to the show with - it’s ALWAYS someone else’s fault.
I love her blaming the ex wife for her current financial mess 😂.
When she blamed her ex for “spending all of her money”, meanwhile she barely makes enough to survive and is haggling over a Spotify subscription. Press X to doubt.
Not all. There have been a couple great guests who don't blame others and are actually willing to put in the work.
ive seen some who take accountability
I love everyone who calls it a her
Imagine paying a tuition to have this person 'teach' you 😂😂
Refund please!
English teachers are always emotional
I pass! 😂 38k for a PHD woah ! So much for go to college and you'll make a lot of $$ 😂
It's Jake from state farm .
So many teachers, professors, etc have incredibly fd up lives. You’d be surprised, or not. They’re just educated in what they teach
A PhD in Shakespeare literature is outright criminal for a university to charge top dollar for. What a complete waste of time and money for such a minimal return on investment.
PhD in literature is not an investment. It is an expansive hobby.
If you spend money on a PhD you’re doing it wrong. You should secure full funding, or don’t go at all.
fools and their money. as the saying goes.
@@aquarterpastespecially that kind of phd. It’s one thing to get like a PhD in something like quantum computing, where there’s a viable high paying career that you can go into after (even if you don’t necessarily need a PhD to go into that career). But anything humanities you should get full funding or be able to pay up front because there isn’t any industry for it really. The only place you can go is academia, which doesn’t pay well enough to justify it if you can’t get funding.
No one forces people into these pointless majors
"We come from different worlds" and "you won't understand" does not mesh with the reality that we all have to make more money than we spend in order to live
Don't forget this person lives in their own reality that everyone MUST conform too.
I’m pretty sure this is actually a dude on estrogen so living in a different world is correct. Delusional on a few fronts here.
Both white males, Caleb should understand perfectly.
@@KernelXandersBINGO 😂
@@mrs.g.35 lmfao rekd
She’s gonna be the most educated cashier in Walmart. Writing the poems with “experience” in between her three jobs. Bravo
I think it’s they? lol
@@mikemaybe5999 not anymore I think there was snip snip already. So it’s literally right in the middle.
Technically eunuchs are still male
@@ThePaidAdventureOTR
@@ThePaidAdventureOTR title says "she". Think Caleb would find out her pronouns before posting. So I'll take his word for it and not randomly throw out pronouns.
So much “I understand that 😐” from someone who clearly understands very little about their current situation and the reality around them.
I genuinely wonder why people elect themselves to come on this show if they are going to be so defensive about everything. If I ever get the opportunity to have someone like Caleb go through my finances, I’d be so grateful for his input. He’s doing you a favor not the other way around.
They think they are the exception.
These people are notoriously bad at being judged and anything less than complete and total "affirmation" of everything they do, is seen as a direct attack on them personally.
Lol you should apply for the show! I did lol hella nervous but ready to change my life 🎉😊
Same
I think it's because once people realize it is their fault, they self correct and get out of the situation on their own.
The arrogance that exuded when she says, "You won't understand. We come from different worlds."
They do though. One's from Lala Land and the other one lives in reality
Of all the arrogant comments I actually understood that one the most. She must be incredibly tired of people asking her what she plans to do with her degree (even if the questioning is justified) so she says that to deflect. The second Caleb mentioned his degree she opened up about it with little issue
My mouth literally dropped at that exchange, it was so awkward. I’m glad Caleb asked for clarification. Her justification totally fell through.
@@grantbaker86 I have a PhD, though in STEM, so I think I have some understanding of what she's trying to say. But that tone was just pure arrogance.
What do you expect is a man thinking it's woman woman
Who else listens to Caleb while at work??? Definitely makes the next hour go by better for me! ❤
Yes Tuesday's & Thursday's are always a downer with no new episodes haha
Yup, just starting my shift. Hope yall have a good day!
Putting on the new Caleb video is always the first thing I do after clocking in Monday/Wednesday/Friday!
Same. I always make sure I bring charged earbuds. 😂❤
I got fired for listening to caleb at work, so I had to start my own business. Now I need to go on the show. :\
‘I interview very well’ coming from someone that I would simply never hire for their condescending tone.
She paid to stay with a friend but the friend paid her to leave?
Either the friend is generous or really wanted her to get out…
Haha I was _just_ about to write this. The friend gave her money like giving Dobby a sock, only it was to free _herself_ 💀😂
@@ScoobyDoozy 😂
@@canbeone7277facts
@@canbeone7277 Keep Yourself Safe :)
Sounded like they dropped hints and eventually told her they wanted her out and she probably guilted them and so to avoid the issue before it came up they just gave them to money to “help survive”
I've worked in academia all my career and this is very much the attitude I've encountered. They really dupe these people into accepting lives doomed to poverty for the pursuit of knowledge. They never realize that knowledge is only as valuable as your ability to apply it.
Don't worry, no one is gaining any knowledge in the field of literature.
….or willingness to apply it.
Id argue universities arent the bastion of knowledge they once were, either.
Its more of a massive detriment to a lot of people than it will ever have been a boon. They lie, cheat, steal, and indoctrinate, and you live with crippling debt and no career to show for it.
But, you get to think you're very smart, I suppose.
There is nothing wrong if you want to study things that won't make money. You just need have other means to finance your life.
Got a PhD in engineering. Fully funded. Making triple the national salary average.
Some people are book smart but not life smart. They feel the world owes them something for all their study. Well done Caleb trying to push on through this episode.
Yes😊
I highly doubt they even book smart.
She is neither
He's got linebacker shoulders, maybe he should have tried sports. Men's sports, not women's sports
Honestly think schools just keep passing students who have no skills so they can just keep milking them for money
"I know what i'm doing" Bro you are going into INSANE debt for a PHD that will never get you a single job, and if it did it pays terrible for the education level
We’re talking about a dude who thinks he can subvert nature itself.
“I’m a great writer”
Proceeds to say umm 3000x
100% applaud Caleb's ability to deescalate the situations.... You could definitely tell she was edging towards aggression at some points especially talking about her degree and job after. And Caleb was able to tap dance around it so well.... People get so upset when somebody pokes holes in their dream, even more upset when those holes being poked are super rational.
Ya there's a good number of people who just stay in school because they don't know what to do next... Caleb always calls that out because it's such a waste of money and earning potential.
“She “
Everybody needs a reality check when the overall situation is so bad, compounded with poor financial habits. What's always surprising every single time is how people can just create some mental gymnastics to justify continuing these habits while clinging onto a dream that won't even have a chance at getting them out of it.
@jer988 Don't think Caleb was aggressive at all.
@@cnh7262let’s stop w that
“We come from different worlds, you’re not gonna understand this.”
The way she said that was SO dismissive of Caleb. How does she know he doesn’t understand? She doesn’t know his life-maybe he does know.
This was a frustrating episode.
that’s usually what happened when uve dedicated ur life to fucking literature. u tend to become disconnected the real world.
@@fruitygranulizer540yup... phd in literature.. jo,it's cool but it's not stem, let's be real
@@fruitygranulizer540I don't think it's necessarily literature. I know two people who have PhDs in poetry, and they're incredibly down-to-earth. I think it's the PhD in general that makes some people think they're better than other people and just sooooooo much smarter.
@@susangroce643 while i do agree, there are some majors where i feel like getting a PhD is just so damn hard that they are smarter lol.
although obviously being smart at a certain subject doesn't make anybody better than anyone, but i hope you get my point.
*He
Going to someone for help because you can’t manage the simple things in life and then calling them dumb by saying you are in different worlds is such a wild thing.
Imagine being a man wearing a dress and thinking you’re a woman. Haha😅
Bro why are you replying this on every other comment? What’s got you so pressed?
@@hallegustafson4531 I just find the fact that a bloke can wear a dress and people pretend he’s a woman very strange. I’ll put cat ears on my dog and you can call it a pussy 👍 weirdo.
Trans that can’t handle reality and blames everyone else for their problems, imagine that
Very common in the trans community and far left
This person and that 41 year old who ‘owned a news agency’ and whose parents paid his rent are the worst kind of people. Insufferable.
This is one of the worst 'holier than thou' people I've seen on his show.
And I wonder why the marriage didn’t work (regardless of her identify) 🤦🏽♀️ her snarky comments , inability to take a criticism, and her unwillingness to see a different perspective ; I’m sure this is a personality trait that she’s had her whole life 🫣 it’s hard to make a life with such an individual
HER?
He was probably not always like this, but remember, doctors prescribe them chemicals aka hormones to “change their physical appearance “ but it changes their mentality more than anything..
That is a bloke mate
@@isailopez4132 that is not a side effect of estrogen treatment.
You can't pretend that all her issues are because of transitioning.
She a he
"What did you come here for?" the "My Hero" moment. Caleb is right; Death by a thousand cuts will always do it. Also, I never underestimate how those little savings add up.
"Yea, I understand that" 💀
I'm shocked this person went through a divorce, seems like a totally rational and thoughtful partner that is definitely not on the brink of snapping.
his divorce was so bad he became a woman 😭😭
@@bigboat8329😂😂😂😂
@@bigboat8329damn what a shitty thing to say, be better
When she only blamed the partner for issues during the marriage, I knew that she was the cause of the divorce.
@bigboat8329 There are plenty of ways to poke fun at this guest without being disrespectful to their identity. Do better. 😉
How is this person working through their phd but struggles to complete a sentence without using “umm” and “like yeah”?
Not just any phd…. But in literature!
@@Aliceee-z4ystudied fantasy so much she started living in a fantasy world
To be fair, she’s probably nervous. Most people aren’t used to talking about personal finances, let alone on camera for millions to see.
Having a PhD has nothing to do with your ability to speak without using thinking words. It’s harder than you think and almost everyone does it.
This person is more worried about maintaining an image than confronting reality. Hopefully someone in the audience gets some value from this because clearly the guest didn’t want to.
Classic liberal weirdo. This guy has major mental ill es that isn’t getting dealt with. And he’s teaching kids which is the scariest parts.
Unfortunately, I think she's letting her own ego sabotage her growth. She's in for a miserable time through life unless she can learn the difference between constructive criticism and toxic criticism. Feedback is a gift.
Is this a boy or a girl?
I think they are trying to maintain other 'things' and live in a fantasy world... Straight guy who decides to identify as a lesbian goes through gender change.... Yikes... Lmao smh problem with this world.
agreed sir
I wish there was a 30 minute segment of the guest reading the comments.
👏👏👏
😂😂😂😂
He’s *so* bad.
Get a better wig, sweetie.
@@user-yc5lb8fw5r"She sounds hideous." "Well, she's a guy...soo..."
@@LMoney4that was an epic throw back 😅
I went to college too and there’s too many young PhD and doctorate students who think they know everything. The lack of humility is a little blood boiling. If you have bad debts and seeking financial advise then you should take a humility pill and listen to him. Stop thinking you know everything you’re just a kid
I have said it before and I will say it again. It should be illegal for any University to hire anyone to teach a class on a subject until they have 10 years of work experience in a relevant field. I have seen way too many "professors" who have never actually worked a single day of their lives in their chosen field. They just spent a decade in school and then got a job in their university. This shouldn't be allowed to happen.
@mattbenz99 Yep. That's where the saying comes from "those that can do. Those that can't teach.". The unis where I live will pay a premium for lecturers who have actual experience in the field of study.
that's excessive and unrealistic, universities are synonymous with academia, if they want vocational experience, they should go to a vocational school. or take a course that's intertwined with work experience, e.g. nursing. but i see your point about humility. i do find phd students overbearing
It’s crazy
I can't imagine how people think coming on a show like this is going to be a pleasant experience and be coddled. Thank you Caleb for holding the people on your show accountable.
If you’re a student do the student discount for Spotify, literally cuts the price in half, all you need is a some sort of student ID
Fucking hell man. Im here stressin out about being about $3000 or so in debt while this person is at $75,000. I couldn't imagine myself getting that deep in debt holy shit
Same boat man
Eh 69k of that is student. Private is easy to payoff and loan forgiveness for federal happens on income based plans or if working for public service. Not terrible.
Saaaamee!!
I've got over $80,000 in student loans 😰
I'm finally at a point where I'm making enough to easily pay it back... if I didn't have a mortgage, car payments, and four kids. I could've paid it all off during the student loan freeze, but instead I used to money to put a down-payment on a house. I'd do it again though, can't live with four kids in a two bedroom apartment.
@@beary6131delusional
The amount of people deeply in debt who talk about how good their credit score is cracks me up.
That is always fantastic.
Got to be proud of something, I suppose.
Ok me too! Your score doesn’t matter!!
High credit score helps you get more debt tho lol
Everyone wants to feel better than someone else
This person sure understands a lot for being in a shitty financial situation with a bad career outlook
The painful moment when you realize that education does NOT equal intelligence
That's liberal arts for you.
😂🎉😂
They the smartest dumbest people ever
Caleb trying SO hard not to get canceled from this TEDIOUS episode. The man is a ninja 🥷😆
For someone studying literature she has real trouble articulating in what way she disagrees with you. Rather than formulate an argument she'll sit there and stare at you until you say something, or say "I don't know what you want me to say"
I had a philosophy professor like this. Would talk in circles, contradict herself in explaining an assessment, and the only reason a majority of the class passed is because she adjusted grading. My sister is taking the same class different professor and is telling me about all the different philosophies she's learning
It's sad people choose paths that down the road probably won't work out for them and there is no one telling them this isn't the best option for them. I've hired a few where they got a degree and still couldn't perform the basic job functions.
Not a good trait in someone that plans to be a professor (they do give students the ability to rate their professors EACH semester). The BEST professor I have had taught us to CHALLENGE each other's opinions, rather than disagree; a trait I have taken with me into the professional world, which works VERY well.
The amount of "like" fillers was also bonkers!
@@macawyndy If I was forced to gamble on this; I'd wager that the lion's share of them *have* been told this. They just threw a fit at each person until they stopped talking to them about it.
Your ability to deescalate 'guest flare-ups' so quickly is astonishing, Caleb. Keep up the good work man.
He had to in this case he couldn't go off on a rant and start yelling and screaming because he knew the alphabet community would come after him
@@b.m.4066 You're misreading Caleb. He makes mistakes on occasion but always tries to push people just as far as they can be pushed to get the message across, and no further. So yeah, he yells and screams when the situation calls for it, but he also goes much easier on guests when he believes that is the better approach. This one is clearly intelligent in many ways but defensive and a bit rigid, and Caleb responded with nuance and trying to make a connection and making sure his intent behind using the word "maturity" was understood. And it largely worked; she clearly let some things slide but he got through to her. That's just how Caleb is, by the way, which is a major reason he's blown up the way he has. He might be picking and choosing guests that will get the most engagement and such, but he genuinely wants to help them.
I don't understand why people apply to this opportunity and then are completely unable to accept Caleb's help. It's natural to get a little defensive but they're not listening to Caleb at all.... I'm glad he asked. "What did you come here for?" That's the real question.
The most aggravating part of this whole interview was the guest's inability to answer a simple question with a straightforward answer. Everything is an argument with this one.
@@AnalyticalMenaceI must agree. 👍
She might have the lowest chance of success of anyone on the show. When he was talking about paying down she had absolutely zero interest. Like she’s actively against the idea of paying it
I am also confused by this individuals passive aggressive attitude and unwillingness to make changes. But as you say why even sign up for this if you think you have everything sorted? Sometimes I wonder if some of these people think they are going to impress Caleb with their financial situations and be regarded as a financial genius.
From experience, this is very par for the course with these academic individuals that assume because they have done 8 years of post secondary they know better in every aspect of life.
@@LynsanityXOXOXOSo true. I had to bust my chops earning Magna Cum Laude degrees, to realize it was a pile of meaningless brain destroying 💩. Uni is just a training center for total uniformity and to accept other's ideas and opinions as gospel!
Anyone interested in real knowledge can accomplish their goals independently, plus the help of those with actual hands on experience. Higher Ed is a total scam!
It's so strange. The stereotypes were met with this person. Especially the "pompous, arrogant English\literature prof" persona. Let yourself receive the help
Caleb - "What did you come in here for?"
Me. Every second of this interview. You can't help someone who doesn't want to be helped.
He came on the show for attention
😂
The silence after that statement was deafening. I actually burst out laughing.
This person needs to wake up before it's twenty years from now and they're in the same position that they are in now.
you're wondering why a blatantly obvious narcissist came on a popular youtube show?
@@megsley we obviously know why this particular person is on the show.
What a combative & rude person.
I commend you Caleb, you have far more patience than I do.
What do you expect from someone mentally unstable?
That's academia in a nutshell. One has to be combative to survive, generally.
Rudest and most combative guest .
You’re cute
Those “type” of people always are.
I got so annoyed with the “you wouldn’t understand” statement. Glad Caleb pushed back at that statement.
Going to start to use that line when my wife and boss ask why my projects aren’t done yet!
Same, he 100% understands and knows. He lives in reality, not a fantasy world.
@@joshuavoss1387 don’t forget to add a little huff in the beginning of that statement. As if even saying this brings you utter annoyance to remind them 😂
@@anna8968haaah.... you wouldn't understand, boss.... you.. just don't get it... 😂
I was like "oh she didn't do her research did she"
What a snot. She just automatically assumed Caleb wouldn’t understand what she wants to do with her degree. “Because they come from different worlds” what a pile of BS!
but they are from diufferent worlds, this dude is from world delusion, takes 70k of debt for useless dergree, since money grow on tree
Don’t play into that man’s delusions
thats a penis, my dude
My respect for Caleb went way up with this episode. He stood his ground in a reasonable way when I think a lot of people would have backed down given the circumstances at play.
Exactly, everyone's got to act like they are stepping on glass when dealing with people like this.
Yup you can tell he’s used to getting his way with “I’m trans” and “mental health”. Look how he thinks he can police how Caleb talks because it’s “upsetting”, even though Caleb is just trying to open his eyes to the truth.
Nobody who lives outside of their bubble would back down. That dude would've walked out once the surgery topic came up and he was told how unnecessary and worthless it was.
@@cozza819 it's because they are lol.
Math and numbers are math and numbers no matter how hard it is to deal with it. Gotta live in the real world. I myself was a little to lax with my budget this year. Should have saved a lot more than I did.
If anything these audits have taught me is that people tend to go to grad school to delay the responsibilities that come with adulthood, and for the opportunity to use their “education” to feel superior to others.
@@abetterhandleidk what you think that proves
100% - My dad warned me about this in the 80s...he called these people ones that stay in college as a means of hiding from the real world.
I think that probably depends on the degree and career field...
I was hoping nobody would notice. Fuck
Spot on!
The comment on Spotify SENT ME. People just don't understand what it means to be in debt. YOU DON'T HAVE THOSE $10
I mean, people do understand it, they just don't want to live like the complete retches our society forces us to be while they try to pay it off. I was 40k in debt, I still used Amazon Prime, Netflix, I occasionally went out to eat. Not being able to unwind in ways that are enjoyable to me would have driven me to suicide long before I paid off my debt by simply having $15 extra in my pocket per month.
Accumulating debt like I had, without student debt or house loans is about lifestyle creep. Two or three essential subscriptions is not lifestyle creep.
40k is basically nothing to most of his guests.
@@Raziaarmusic and streaming services aren’t essential in any way whatsoever.
@@BasedHyperborean Maybe not for you. You do realize that a $15 subscription service is not what is holding these people back from paying off their debt right?
@@Raziaardepends on the number of subscriptions I guess. Single one isn't going to make much difference, but majority of these people have spotify, Disney+, netflix and whole bunch of other stuff, lot of times they say "Oh I forgot about that".
“you can’t listen to an ad?” is the best moment i’ve watched on this channel 😂
When friends that've done you a favor and allowed you stay with them for a time and then ask you to move out. And give you money too. Your friends have given you money to leave. They've become so desperate to see you to the door they're willing to pay money to get rid of you.
Yes she blamed her moving out on the dog 😂
@@ASMRGRATITUDEHe is delusional. More ways than one
I wonder why they let ‘her’ move in with them in the first place
I'm also in a Ph.D. program, and I'm surprised the guest is so defensive about how costly doing this is. The opportunity cost of being in a Ph.D. program is massive, especially when you have high-interest student loans and live in Austin. Most other people our age are working jobs with salaries; meanwhile, we are living barely above poverty for most of our 20s. You and the guest do not live in two different worlds: it's objectively costly to go to graduate school (even if it's paid for, something that is standard).
The guest also underestimates how hard it is to leave academia if they don't land a tenure-track post. They spend six years grinding on a degree, all to leave the profession and do a job where their skills will only tangentially carry over. That's psychologically hard. I wouldn't be surprised if the guest pursues temporary academic jobs (post-docs, visiting positions, etc.), which also carry additional opportunity costs and marginal increases in salary.
This is a pretty rough episode. I don't know why the guest came on (and I sense Caleb is similarly confused!), and I don't know why they think they can talk to Caleb as if they live in two wholly different worlds. You are both in the same world: it's objectively costly to do academia, and we should be realistic and not defensive about that!
Also Caleb have me on, thanks
Not sure why anyone would do a not funded phd. Almost every university has funded phD programs. It’s also very difficult to get an academic job so she needs to find other options
@@asarsou1Assuming all PHDs are funded, but one must go to a specific college to get the funding, this line of thought makes sense. I don't think most who go into PHD programs do so thinking about the outcomes, though. Romanticism of the degree without seeing the practical application of it is the primary reason graduate school still exists, from what I've observed.
Yeah but he wanted gender reassignment surgery on top. It's instant gratification and me me me me me. Wahhhh.
@@andraconstantin9459I definitely wouldn’t call it instant gratification. Surgery (paying for it, having surgery, recovering from it, etc) is a lengthy process. I would agree that maaaaaybe it would be better to wait till there was some financial independence/stability before getting surgery, but dysphoria can extremely exacerbate any depression and/or anxiety.
Also… the title says “she” so just out of basic respect maybe just use her correct pronouns?
Damn this was a tough one. This person getting upset over Caleb asking about future jobs was so telling. He’s there to help you you nimrod, it’s not a personal attack
This is what lack of accountability looks like.
The irony of an educator being unwilling to learn or be open except for 5 seconds in the end (kinda) 😅
Just want to add that not all university educators are required to be experienced in education… Sorry, just had to defend real educators real quick but I agree with ya :/
It PAINS me when I see people taking out massive amounts of debt to get a PHD in the arts. They will broke their entire lives
Yes. Such a scam
She didn't really take out loans for her PhD, I think more of the problem is the lost opportunity costs.
But they say they’re “good at what they do”. They don’t do anything but take out loans and pay to go to endless school haha
@@OhYeaMista pretty much. Afraid of getting a real job
Broke, but arrogant 😂
Why do I feel like this is the first time this person hasn’t been treated with kid gloves. We really do need to NOT be afraid to help and tell people the truth
100% agree. No impulse control, instant justification and never had push back
Isn't it obvious? This sort doesn't accept reality.
This person who would be a professor lecturing your kids in the university soonest is confused about a lot of things . Look clearly IYKYK
@@christinefelice4020I know. This type of person being a narcissist. SHOCKING
Yep. First time someone’s actually pushed back on their world view about anything. They live in a world of feelings and personal truths instead of facts and reality. The Spotify conversation summed it up perfectly.
Caleb is being waaaay too nice here. Probably afraid to get cancelled?
100%
1000percent hes is....and the dude in the wig should never had been let on the show because HE will try and cancel Caleb just for helping
Pretty sure the reason she wants to stay in school forever is because the environment caters and enables her narcissism and other mental issues. Debt is probably the least of her problems.
@@ThePaidAdventureOTR Found you!
@@Vazcov1609hello!
*He
He.
she.@@kian3527
I love how caleb threw in the "How do you think your interview skills are for these positions?" Expert level shade, my guy 😎 lol
I manage two large teams of accountants. I can confidently say that if someone came in with her attitude, it would be an immediate no. She will be all drama.
the shadiest shade is shade unnoticed
@@Cattlynt those types of people are nothing but drama, gossips and HR disasters
@@Cattlyntpresumably the type of job she looks for is nothing like an accountant
@@IAmebAdger I completely agree 😂. But I’m speaking more towards attitude. No one wants to hire someone with that level of hubris and ego. It’s a nasty vibe to bring to any team.
what a strange, spiteful and bitter person.... i would hate to have someone with an attitude and superiority complex like this as a teacher
Have you noticed how angry nerdier/ stranger people have gotten? Like if you say a certain persons name how upset do you think she gets lol
@@reginaldlucky1056I think many weird people have gotten less weird also due to not wanting to be “one of those” haha no relation
@@terryjones9784You would hope so. Then you see someone like this...
This is why student loan forgiveness doesn't get an automatic "yes" from lots of reasonable people.
I think this is a perfect advert for why it should exist, but it should be paired with laws forcing colleges to charge proportionate to the lifetime earning potential ON AVERAGE of everyone with a degree, meaning they cannot charge a clueless child who's not got an ounce of wits from being in the real world much more than a degree could ever be worth to them.
I think it should only be considered for stem degrees that don't make bank.
That sounds like way too much to police. Stop trying to spend others money. @@benisprobablyangry239
@@benisprobablyangry239agreed, if you want to spend two years after college studying poetry, that's fine but the college should be willing to finance it or have you pay rather than have the government cover the student loans.
34:40.... the silent rage is palpable. You can really start to see how this person has never been challenged before. Up to this point there have been many excuses, condescending remarks, rude behaviour and the list goes on. Caleb is a saint for putting up with this.
I felt the rage! That’s the exact word that came to mind lol
I understand not wanting to deal with ads but when I was in debt, cancelling my subscriptions to pay them off was the best decision I had made lol people don’t know how to make sacrifices
Imagine this persons poor ex wife trying to communicate and being met with someone this combative and rage-y
Future consequences are inevitably shaped by present actions. They'll find out some day.
This is an all time Caleb Hammer Moment! So glad you highlighted so I could go back and watch it like 5 times!
I once was on track to earn a PhD in English. I quit after my masters. Why? Because my professors point blank explained to me that if I graduated with a PhD I would be waiting for a professor to die and hope the university didn’t just eliminate their position entirely. And that was TWENTY years ago. When she says her position is precarious she means she has a very very very very very LOW chance of getting a professorship. She’ll be an adjunct at a community college for $35,000 a year. And there’s no shame in that - I’ll be doing that shortly. But I don’t have any student loan debt. Yikes.
I saw a documentary about adjunct professors and some of them with families were receiving food stamps. It was sad.
@@janicehuff1183 yep. It’s part time pay with no benefits for full time work. A total scam. But it’s hard to say if it’s worse than the way they take advantage of graduate students.
It really bugs me that the guests never say thank you when Caleb says he's giving them his course for free
I noticed that too! It's like she wanted to show up for the program but is unwilling to change anything or grant any concessions in her spending
I think it has to do with how and when he gives them the course. He makes the offer at the beginning when they were super defensive and follows it with a hard plug. If he did it at the end like “here’s you budget, (plug corse) I’m giving you this course for free to keep on track” I think people would be more thankful
THEY NEVER DO lol
It's the delivery
@@Protopat_Printsthey aren’t financial people. So it’s like offering a 2 year old a bar of gold. They are like “cool, but I don’t what to do with this”
“You wouldn’t understand”
5 minutes later
“That’s so dismissive”
I’ve never understood or appreciated the arrogance of people asking for help while refusing to put their ego aside. Yucky
I love the “why’d you come here for?” question 😂 if you’re not going to accept the financial advice then get out of there! And fyi, always going over the budget means YOU DON’T RESPECT THE BUDGET hence why you are at Financial Audit looking for help from Caleb 😅
An yes, one of my biggest pet peeves. People asking for helpful advice from those they supposedly think can actually help them only to dismiss the advice provided.
Never seen someone get so constantly angry when someone is trying to help point out their mistakes, especially when thats the ENTIRE reason to be on this show! The constant jaw clenching and death eyes show the level of entitlement that this person has gotten to
Hormonal imbalances and mental illness will do that.
Imagine to supervise her academically... literally nightmare case. If you say anything, she will take it personally and report it to the school "ethic" office.
@@korsakoff76 100% you are right, any constructive criticism to this person is definitely taken as a personal attack, I've met this type of person before, just never to this extreme!
Especially when at the start you give yourself a "generous 1" as the score. So you clearly know there is an issue.
@@Randompikachuisblue1i've been friends with someone EXACTLY like this. it was so exhausting to be around that person.
“I’m very good with people”
Uhh no.
That’s what they tell themselves when they can’t prove any hard skills
>Failed marriage
>Doesn't take responsibility
>Assumes Caleb comes from a "different world"
>"I'm very good with people"
😂
This whole hour segment proved that that was a lie!
Also, people who are good with people aren't paid by a friend to move out of a friend's house 😂 @@TheSergio1021
Had a friend like this guest. Every thought and feeling they had was "valid", and you couldn't tell them different. Ended the friendship after they said i owe them to pay for our dinner because i am cis 😂
Well obviously, with all that priviledge /s
Avoid people who use made up words your life will be simplified in a second
Things that definitely happened
@@KaiStarkk this isnt a farfetched story considering todays enviornment and entitlement in certain groups of people
I am a trans person and that is crazy, I’m sorry that happened to you
My husband and I paid off a 40k personal loan (consolidation) 2.5 years early due in major part to this channel. I hope Caleb continues to do this, I think it’s extremely valuable
Good for both of you
I feel it would be really helpful for all concerned (the person being interviewed, the audience and also Caleb) for the person to be asked at the very start of the interview "What specifically do you hope to learn/achieve from this episode?" and "What would that look like?"
Most would say "help", but as with Erin, their approach to the conversation will suggest otherwise.
I have made a similar suggestion but my suggestion was for them to give 1 to 2 things they did bad financially that is their fault no ifs and or buts
@@jaad9848the problem is there not going to admit what they did wrong and honestly from my point of view, it seems most of these people don’t even realize what they did was wrong until Caleb yells ab it
@@zachman1121 I know but you can immediately establish who is hopeless or not and who is on the show for social media clout
@@jaad9848 fair
A professor? As someone who regrettably majored in the Arts from a financial perspective, studying Shakespeare is a terrible reason to go into crazy amounts of debt. You can literally read Shakespeare at home. Landing a job as a professor is hard and its not even always rewarding financially considering the debt obtained to get there.
Exactly... and there's basically nothing new with Shakespeare. Hus work and life has been studied by thousands for hundreds of years... so the likelihood that you'll have some groundbreaking insight to add to the discussion that can only be achieved with tens of thousands of dollars is laughably stupid.
And then these people can't understand why other people don't think as highly if them as they think of themselves... it's because the smart person would just study Shakespeare in their own time, for free... and then if they did have such great insights they'd still be able to publish and create content without the degree.
He could join a Shakespeare reading group. Write poetry and share on his social media. Jeepers.
I’m an adjunct professor in STEM and I work at two institutions to make a $50k a year lol
What's your point tho? That no one should be a professor?
@@uui219 Would you spend 80-100k for 7 years of studying Shakespeare( or anything you couldve read for free) to come out and make adjunct professor for 60k/year? If the answer if yes, you failed math class all due respect.
I don't understand college paths that train you to be a professor to train others to be professors.
So… all of them?
@KaiStarkk How is it all of them? Most paths teach you how to get a job in the field. Sure, you can become a professor in that subject, but you also have other options that add things to society.
Going to college for Shakespeare has no realistic end goal besides being a professor. To do what? Teach other people to be professors. It just creates professors for the sake of creating professors in a closed loop that never ends.
@LtColShingSides tbf to him, a PhD in Shakespeare can teach any general English or literature class
This was by far the MOST annoying interview I have ever watched here. The attitude and denial and lack of accountability is mind blowing. Blaming everything under the sun but themselves. There is no helping them. When Caleb finally asked Why did you come here? And the response was freaking hilarious. If you have it all handled why would you do this audit????? I can’t even with this person lol
I admire your very carefully selected words
A man who likes to play dress-up
That's how transgenders are. It's why they're transgender to begin with.
@@aakksshhaayybingo
She gave the impression she thinks she's better than other people because she's doing a PhD in Literature. Wild.
Spent all that time studying literature but can’t comprehend basic math lol. ALSO, Caleb asking about their interview skills while they are basically epically failing an interview type situation is hilarious
The Dunning-Kruger effect is strong in this one.
@@VS257 Yes, but it's more stubborn pride. I've known many liberal arts types who thought they could ride out their student status fantasy forever.
Life has a way of kicking us all in the a** tho. The college profs I knew all had threadbare jackets and drove old beaters. This stubborn and arrogant little twat STUDIES Shakespeare...he doesn't WRITE it!! 😏
I was more suprised her expressed vocabulary was so limited. "Yes definitely, I totally understand, thats fair."
@beckydimock4083 So? This is a straightforward factual conversation (or at least it should be), decorated language is not necessary
Caleb- How are your interview skills?
Her- Extremely good. Yeah. Yeah. Like, very, very good at that.
Me- You're unaware of your income and accepted a position earning only $20k for 9 months. That's less than minimum wage in Austin. She's literally choosing to be poor. Unreal... 🤪
Average *teacher's assistant* salary in the US is $51,124.
*Know your worth*
My god, its very rare for a complete stranger who I've never met to trigger rage inside me. But this one did it. What an unlikeable person. I can't imagine having to interact with anyone this unpleasant, immature, and arrogant about everything.
I mean I’d say half the guests Caleb brings on are utterly insufferable.
just wait, someones tax dollars are paying him to “teach” their kid. we live in a world
I imagine everyone who has sat across from this guy at a job interview thought the same thing.
You're just transphobic, but keep being delusional honey
The “i had to eat when i was there”
Listen
Every solo trip I’ve ever done, i go to the local grocery store and buy bread cold cuts tomatoes fruits chips and snacks and water and i pack a sandwich with snacks for lunch everyday! I make coffee at the hotel and use an instant oatmeal packet as my breakfast or get a hotel with free breakfast and usually skip dinner and go to bed early but if i want to be out late I’ll eat something simple like a slice of pizza.
Simple simple simple
No need to go broke at restaurants unless its like a romantic couples vacation
If you’re solo, eat conservatively!
I always come back a few pounds lighter too which is a plus!
I love how respectful Caleb remains when guests insist on challenging him.. after wanting to be on the show.
Yes , but Not even that. This guy is entitled and condescending
The fact that Spotify is the hill to die on 😂
@@cnh7262people with severe mental illnesses tend to be that way when challenged
This guest is not a guy. Caleb, as a decent human being, acknowledged that without missing a beat. Bummer you aren't there yet,@@cnh7262
They kept saying “ I understand that” … really? You really understand that? Do you?
Her roomates gave her money to move out!!! 😅
@@rickrollrizalthank you😂
Because they “have a dog”…no. That was because they’re insufferable.
Whenever this happens I feel like it’s never the dogs fault, they’re just the scapegoat lmao
She a he
@@didothecat9941is it really a dude? I honestly can't tell.
Caleb had to walk on eggshells with this one, its like, anything he said was a direct attack and "insulting" this poetry PhD student lol this was frustrating to watch. well done CALEB
He stood his ground!
that’s because everybody has been taught to tiptoe around people that are part of the LGBTQ community to not offend anyone or be canceled even if it has nothing to do with their sexuality it will get skewed to be that way
@@AleeyaDanielleCaleb did great. Caleb attacked the career student mentality. He called out the shit when necessary. I’m not sure what you wanted him to say.
@@djarmstrong23I think he handled it just fine he just had to handle it carefully.
The second I heard "gender affirming" I knew we were in for this bullshit attitude. For the same reasons as people have listed below.
I can see it in Caleb's eyes... Don't get cancelled
Bro, I've not gotten to a video this early. I feel like we need an episode where we follow up to see where previous guests are.
We’ve had a few and we will have many more soon :) many want to wait until after December
Awesome! Thanks!@@CalebHammer
Dude it's wild to see TH-camrs I watch on other channels comment sections. Feels like a shared universe, since it is.
Whoa! Seeing @comics_explained here in Caleb Hammer's comment section is wild!
Everyone loves a cross over episode!!!
It’s the inability to answer questions articulately as a literature phd student for me.
Education does not equal intelligence
I’ve never seen Caleb tip toe around a guest before lol makes you think of that scene from family guy “ oh then do whatever you want all the time”
i think because she was so defensive from the start and caleb really wants to help. also if she leaves out of he cant finish his episode which pays his bills. so lose-lose if he gets amped up like usual
I mean yeah. It’s a dude.
@@Onedya “I'm the dude playin' the dude, disguised as another dude!” 😅
Because if he says the wrong thing his video will get demonetized
trans person here, he was likely being cautious because she herself is a very defensive and immature trans person. he probably knew he had to try another tactic with her, which is understandable. i dont think hes transphobic, i just think hes a cis person trying to navigate around not really knowing proper terminology and someones identity that certainly plays a role in what they are talking about with the medical debt.
I cant tell why she came on if she wont listen.