@@victorvandenbrink6851 I was going to disagree with you but there really are all types. I know people who’ve worked their way through their entire degree with a lot of discipline and then… people like her. And all the people in the middle. There are all sorts 😭
She is a liar from the beginning. I live in sa. And tower americas is now way considered a high class resturant. Any san Antonio resident or from actual high dollar resturant owner will agree.
Or literally just incompetence. This is probably the very first time she got sat down. Sadly a result of the current system is that you never learn responsibility or accountability. Those aren't things you magically gain as an adult and I honestly think that being mad at people who were taught helplessness is an absolute waste of breath. Pick them up, put them to work and allow them to learn. Otherwise most of them are going to fall through.
@@mryellow6918 Not necessarily. If both mom and dad work their 40-60hours, kid is mostly in public school, grandparents not very present and then the family wants to fill their absence with love or nice things, it's a systemic failure. Countries that have nuclear families and families with more traditional workings (including stay at home dads!) seem to have much more success in avoiding.... this.
She mocked her mom every time she spoke. Her mom rescued her from $4,000 of credit card debt. She thanks her by mocking everything financial she has to say. She acts like an incompetent victim to manipulate her parents into giving her money. She's one of the most deeply unlikable people I've ever seen.
I disagree. She asked her mom "what's debt?" in her late teens. Her mom never taught her how to manage her money, which is irresponsible parenting. There's a reason she's the way she is now. I like her because she seems like a kind, fun person, but she needs to be more responsible. Her parents set her up for failure and are now enabling her incompetence. They aren't letting her grow up.
That's all I see in the US, is all "I hate my parents, they are not going to be in my life's they ruined me by trying to parent me oh but let me take all their money"
Totally agree. But this young woman seems exceptionally immature and NOT bright. Borderline disabled. I put myself in her mother's place and I would be scared to death. The future doesn't look good.
It cannot possibly be just math that she's failing at. I suck at math too so I literally can't comprehend how to calculate GPA but she has to be failing other subjects as well, a 1.8 is so abysmal. If she can't do school that's fine, do something else.
I read this comment before I got to the part so I thought u were just joking around. Then she actually said it. Holy shit she’s gonna be independently living under a bridge here soon
As dumb as financing a tattoo is, I knew a guy who financed SHOES. Apparently there’s at least one business out there that give SHOE LOANS so you can buy $400 basketball shoes.
the way the mom explained it and how she was laughing during her explanation tells me she lied during that portion of the interview and that she was actually aware of how bad her behavior was
@wyattgallagher7232 I have a feeling she's not actually that stupid and just wanted her parents to feel bad and help bail her out, because she's just a dumb girl and didn't know credit card debt was bad :(((
As someone in the same age group has her, I’ve noticed that a lot of people my age default to trauma dumping/ therapy talk when confronted with irresponsibility. Just before an hour in it suddenly becomes “i have no friends, i have bad influences, i work with crackheads, I’m a people pleaser.” This is not for venting, I’m sorry. This is for taking accountability of your finances. Two things can be true at once, but the focus HERE is fixing your money.
That is so true, I am guilty of this sometimes but I catch myself because that’s being in a victim mentality and you’re giving in to your EGO when you do that. You need to take accountability and responsibility for your actions but it’s so much easier to deflect and blame it on something else or a certain circumstance. Although it is an explanation as to WHY it shouldn’t be used as an excuse.
It’s the worst, there’s a difference between being self aware and being a victim. Somehow she’s complaining about having friends and NOT having friends at the same time lol and somehow she was able to tie this to her poor finances? I feel bad for the parents, that’s a difficult knot to untie (even though they are partially to blame)
Yeah, the problem is, usually it's true, right? Like obviously your personal problems have an impact on your finances. It's just that at some point you have to realise it's easier for yourself and everyone around you to actually take charge of your life instead of only complaining about it. Complaining is just the first step.
I have 17 credit hours and I'm just graduating high school. This girl has done NOTHING in the past 3 years. I'm more likely to finish my doctorate before she gets done with school.
And the worst part is she is wasting a gift handed to her from her father who had to serve in the military for decades so that she can go to college for free
“If i have the spare money…” MAM YOU DO NOT HAVE SPARE MONEY! You do not have money for tattoos or vapes or fun stuff for yourself. You DO NOT have money!
or even better, they want to study psychology to help ONLY themselves and find out what they have :\ they only want answers but they don't want to work through the problems
This is what pisses me off. Her boyfriend is capable of working but he is content with 20 hours a week and being on government assistance in their 20’s. Bull shit
She's extremely manipulative. Begging her mom to pay off her debts on a card, he tells her mom not to so she can learn, and her first response is "Mmm we're gonna have a little talk about that on the 2-hour drive home~" That girl needs to be completely dropped by her parents for a bit and learn what it feels like to GENUINELY struggle
I’m from the UK so didn’t understand the American credit hour system. Explaining it with that makes me realise how shocking that is. 3 years and not even through 1st year is crazy, this is not just “maths problems”
@@dazevipr3390 that’s shocking. I’m not sure how difficult 1st year university is in the US. But in the UK if you fail first year while trying… maybe higher education isn’t for you.
@@sofpsocf exactly! She talked about a 12 year college program assuming she was matriculating at a standard pace. Based on her current pace taking out the one year of academic suspension, it would take her another 6 years to get 4 out of the 12 years of progress completed. She would still have 8 more years of school by her own admission if she completed the remaining 8 years at an appropriate pace. Her parents have failed her. Her dad sacrificed for this benefit and she’s squandering it.
The fact that her dad served in the armed forces to give her the access to free education and health insurance, while she's here squandering, is maddening. She doesn't realize she was dealt an amazing starting hand in life and probably won't until its too late.
Based off what I found for the normal GI bill she has wasted about half of it. And the best part is that if you take GI money, fail everything (which is what she's doing) and quite school, then the military can charge back her fucking father because she's literally just throwing their money away. So not only is she squandering something few Americans get, but there is a real possibility that this is going to backfire on her parents when she flunks and gets kicked out of college.
I think the issue sometimes is people arent mature enough to go to college. 18-21 I think I see a lot of people wasting there time. They just don’t know how to work the bureaucracy or how the world works. Can’t get math litterally write out math equations in your math book over and over til it makes sense and your brain sees a pattern
What she talking about I believe is 4 yrs of college they pay for housing food I think from what a friend was telling me the tricare I think is till 21 then it over
@@victoriadriver You can keep Tricare until age 26, I believe it was an Obama era change that passed that.. Also at a public university not only is the school paid for, but she would also get additional money paid to her directly depending on exactly what her dad transferred to her (as much as $700 a month to use for whatever). She had a chance to have school completely paid for, getting a check every month while going and having her healthcare completely taken care of for 4 more years post-graduation. While not having to join the army to get it.
I have a friend who is a supervisor for the kind of job she's thinking of (friend started in that job with her BS, and then got her MS to become supervisory). They make okay money with the BS, but what she's talking about in terms of earnings are for the supervisors (who need an MS and to be licensed ABA counselors) or in very high-income areas (which means that the salary won't go far). I *may* be getting her letters wrong. I just don't have the bandwidth to search my email to see if I have an email from her to get them right, but I know for sure she has an MS in psychology and a license that required testing, and both were required for her position supervising a team that provides support for students with Individual Education Plans so that they receive the school and community services they need to thrive.
I talked to my mom abt this, how my parents would spot my $5-20 for gas or whatever, but if I put myself $4000 in debt they wouldn’t do anything to help cuz it’s my problem. Tbf my parents also ensured that I started working at 17 (would’ve started sooner but Covid) and made sure I knew what a credit card was and all that. But also I have just always been good at not spending money? So idk
Feeling empty, and they want anything to love them. I personally do want a cat someday, but I currently can't afford to. I don't want one because I feel empty, but I want to rescue cats when I know I can support them 100%. Vet bills and all. Imma bet almost all the poor people who have pets have high maintenance breeds with expensive medical bills too 💀
You can tell from her tone replying to things Caleb said that she isnt looking to learn from his advice but is looking to find a way to be right in her response
When she started defending her BF working “around 20 hours a week” so he can stay on food stamps I think every single one of us rolled our eyes. Girl you and him need major help!
@@maylinrivera6482 The problem is that it's not a graduated reduction in benefits, much like most other benefit programs. I know the "welfare queen" meme is popular, but it's not the average person who gets these benefits, nor is someone like this who tries to work less to keep the benefits. A well-designed program would give less and less in benefits until you reach a maximum income. Instead, the way they work is that you either get them or not. So some people don't work their way out of needing benefits because they will not be able to afford to eat once they work 25 instead of 20 hours a week! That's awful, and could be solved if they just got a little less as they worked more and earned more, versus being totally cut off if they're offered more hours or a promotion!
So depending on the type of work he can get and the assistant he receives it's possibly better for him to be on government assistance. But I'm going to be real without knowing what he's getting and how much it's saving him I can't really say if it's better or worse. Because he can work a 9-5 but if he's getting paid peanuts and going to school while trying to keep his grades up then I can understand why he would only do the 20 hours. Again really depends on what he's doing and how much worse he'll be if he does a full 40 hours
i recently turned 18 and saw a clip on tiktok of this video and before watching it i had no idea how anything works financially, after the video i feel much better about my financial morals and my idea of living truly independently, im honestly gonna stalk you page to see if u have any videos in depth about budgeting, sending love from someone who learned something because of you
Same, we're all guilty of overspending or not saving properly before we educate ourselves and I felt guilty for it but after watching her I'm.... Honestly speechless
What bothers me about this girl is that she is studying psychology because other fields didn't appeal to her. Her sense of responsibility doesn't seem to be the most suitable for a health-related field
I really liked having the Mom on this episode. She was able to weigh in when the guest was trying to twist the story and gave more information on the true debt history.
Yes I’m so glad Caleb confronted her lol I would feel bad for the mom, but I don’t. She’s enabling her daughter and teaching her to be dependent her whole life.
@@jyan21 What is the right thing? I'm assuming you are going to give some stupid answer like "Stop enabling her and kick her to the curb." Ironically all of the people fucked up on drugs and mental problems who are homeless I witness ALL had those types of parents. Yes they need boundaries but trying to draw them with someone this far gone is hard. Because when you do eventually just cut all support she isn't going to immediately get her shit together. No, she's going to become more reliant on people who seem to take advantage of her from what the convo seems to allude to. She will be in an objectively dangerous situation. And desperation doesn't mean she starts working 3 jobs to pay off debt. It might just further snowball a dangerous debt cycle that will accumulate to a point that she will never be able to climb out of. There is no easy answer here. Trying to make it sound easier than it is just shows your own ignorance to people who actually fall into this situation.
Caleb add some interviews of people that didn’t save for retirement to show our youth what happens if you don’t learn about finances and saving for retirement
My parents lived through the depression. They KNOW sacrifice and frugality and taught it to my sister and me. I taught it to my kids, and they make sensible financial decisions.
I hate the concept of girl math bc too many people take it WAY too literally, when it was meant to be a harmless, tongue-in-cheek joke.. its not meant to be used as a reason for legitimately-concerning finance situations 😭😭
Agree. I ‘girl math’ things under 20$ total. Like I found 15$ in a coat pocket and a friend wants to grab coffee tomorrow- so it’s ‘free’. that money isn’t in my budget, it’s small enough I don’t need to add it. But it’s not a normal, daily, or large ticket item thing.
God he genuinely looks pissed at the end and I can't blame the man. Holy was that a struggle at the end, if I disrespected my folks like that they'd do more than "smack me in the face"
If you have you credit card for any other reason but to build up your credit score, you're too poor to have a credit card. Getting a credit card when you're already struggling and bad with money is like digging your own grave with a rusty spoon.
i had a friend in college who built his credit up by paying his rent and utilities with his credit card, then paying the credit card balance off at the end of each month.
“But where the money for mee??” All the money you make IS for you. Paying rent is for you. Buying groceries is for you. If you want “fun money” work harder to budget and plan for it. How do people not understand that they can not spend more than they make?? “She knows I’m going to get a tattoo next week” What a slap in the face to her mother. So incredibly disrespectful. I commended your patience with this one because it was infuriating.
If my mom paid a bill and found out I spent money on a tattoo, she'd never show me another cent again 😭 why are people like this, I'm so sad for her mom
💯 not everyone should go to college. She needs to find a better job. College is not for her. Also, a psych bachelor degree is not useful at all for 99% who get that. Girl, please do not take out debt and continue this. You will regret it.
Hi! I’m a college recruiter. 1st. If you aren’t good with math, anything health professions related isn’t a good career. 2nd. To have below a 2.0, it isn’t 1 subject. There are multiple subjects that are either Ds or Fs 3. To be a high school counselor you almost always need a masters 4. To be a behavioral tech you need certifications, not necessarily a bachelors degree
You could have all C's and one D and you'd be below a 2.0. I guess you don't need to be good at math to be a college recruiter. Maybe she could do that lol.
Hi! Please respond! What majors should I choose if I’m not good at math? I really wanted to do business analytics. But what major should I choose if I want to make 80k+ a year.
To the guy above, many jobs with 80k+ a year will require at least basic maths, or be hard enough that you shouldn’t be struggling with maths. But maths can be learnt overtime, it’s decently hard but you can become good at maths
@@ZzzZ-sb9juYou won’t find many majors that get to a $80k starting salary right out college that don’t require math. Math isn’t easy so it tends to pay better. There are exceptions but there are uncommon, especially outside of HCOL areas. You can find jobs that don’t require as advanced math however, and within 5-10 years or so easily make 80k or more. Accounting is an example of this. You could easily start around 60-70k and easily make 80k+ within 3-5 years of graduating. The math also isn’t that bad, especially compared to other majors such as engineering.
She lied about her 4k debt too. That also came out when the mom showed up. She said she didn’t understand credit and debt and that she thought it was a good thing, but then mom said she was timid about admitting it so she knew she messed up and her parents would bail her out. This was painful to listen too.
@@ihateeverything9887I noticed that too!!! She reminds me of a cousin, and the mom definitely enables and set this example for her. It’s crazy how similar this girl and my cousin are😭 pathological liars and always a victim
I was never studious until I TRIED. I worked my butt off to get into the advanced math and science classes I needed for nursing. I’m a tutor now and the students I tutor who say “I’m just bad at ____” do not put in the effort and do not pass. There are infinite resources in college aimed to help you succeed.
This is the first I've actually watched all the way through. I love how tough he is with them. When he said "it sounds like enabling" that's exactly what it is. My parents helped out when I had a job that only paid $9/hr while I was in college and I'm super grateful for that, but they could and would never take on my credit card debt for me. I know I can always rely on my parents if I have a hard time (like during covid I had to have them pay one of my car payments which I paid them back for when I got my unemployment) but it doesn't mean I have to
Will never understand these people who don’t want to live in their parents’ homes, but are more than happy to expect their parents to bail them out financially on a regular basis.
Meanwhile I won't even allow my parents to give me an interest free loan bc my dad is begging me to replace my beater car. 1 No. 2 I love my beater, we're bffs until she falls apart.
@@googleuser3749Tbh always refusing to take the help your parents offer you can also make them feel bad. Accept some of the help they offer once in a while, just not financial ones
Right! At 29 my parents let me move back in to save cash for a house. I'm now 32 with a house. Take advantage if your parents will let you live with them rent free. Yes it sucks but it can be a big win.
Even if she graduated with a psychology degree and planned to get a master's, she'd probably cry during the GRE. Forget about scoring high enough in math to be accepted into a master's program.
That’s incorrect. You can have a bachelors and be a Behavior Analyst. Behavior Analyst are BCBA and BCaBA. BCBA - Masters Degree plus 6 courses, field hours, and supervision BCaBA - Bachelor’s Degree, field hours, and supervision RBT - High School Degree with 40 hour courses
@@daniellequarter8769 So she didn't even do her research. She literally can work as a ABA at this moment, her "dream job," right now without any college degree
@@333pinkelephant333 Basically, some schooling through a company and an exam to be an RBT. She could be a behavior tech with like a one or two day training. RBT get paid more than behavior techs. Both actual make pretty good money but they are typically 1099 so you have to save about 10% of your income for taxes.
@@daniellequarter8769 I wasn’t counting BCaBA because it’s a useless thing to get. Everyone who gets it just gets a BCBA anyways and you’re just limiting yourself with the BCaBA
I don't mean to insult any of you reading this. For the most part, anyone I've ever spoken to who told me they are going to school for psychology just needed one themselves. They are seeking answers but in their own narcissistic way.
Right?? Don't let these people sit in their web of lies and delusions. "What do you mean you can't get a second job because you don't have anyone to watch the kids? Mom and I watch your kids every weekend while you're out clubbing." 😮 😂
It’s so good to watch these videos on full. I feel like I’m slowly crawling out of debt but honestly just watching this, I already know I have to do way more. Self reflecting a lot here on what it is I need to change.
As a psych student, you absolutely need a masters to be a school counselor. This girl is giving me brain cancer just by watching this…. But I can’t stop watching.
@@Margriet101I don't even think that's being mean honestly. She's showing that she's having a hard time understanding a lot of basic concepts that should come easy to anyone reaching adulthood. That's not trying to be insulting, that's just stating an observation. As I watch the video, I do find myself asking if there is a learning disability that is contributing to her situation here. Even if there isn't, she is not showing the desire to learn in the slightest. A person who has no desire to learn basic concepts about adulting and living shouldn't be in the position to teach younger kids about things like adulting and living.
@@Margriet101 it is not being mean. The world is tough and these people are weak. You bleeding hearts do not help anything, you create these pink haired maroons.
“I don’t like being told what to do” literal mentality of a child. When you’re a kid, you don’t want rules, you don’t want boundaries, you don’t want restrictions. But The older you get, the more you realize that having someone guiding you and/or stopping you from doing stupid shit is the BIGGEST blessing anyone can receive.
She's 20 only in age. Mentally she's like 14 or 15. Laughing uncontrollably. The mocking. Quiet screaming. Such a child. No appreciation or foresight for anything that isn't instant gratification.
The one good thing is 20 is still VERY young in the grand scheme of things. There's still a lot to fear and reasons to be pessimistic from this video, but there's plenty of time for her to learn and reverse her situation.
Yeah she thinks she’s slick with it but we all see this willful and intentional ignorance and lying to make excuses for her negative behavioral spending
I could not imagine leaving my parents with a $4000 bill. I didn't even make my parents take out loans for college, I just went to the military. Some kids just don't know how good they have it.
Right because I was giving her the benefit of the doubt about not knowing till her mom came on and said she had been using it properly and keeping them informed then boom suddenly a $4000 balance!!! So you knew you had to pay that money back and you let it get that high AND only said anything about how high it was when questioned
I have a family member with a Psy. D who has been working with kids - first as a teacher, then as a Gestalt play therapist WITH a doctorate - and she makes about $50-60k a year. So good luck with your bachelor’s. You would be better off getting your lswc with a masters.
You are so good at holding it together during these conversations and it's amazing. This girl was beyond infuriating and I admire how well you compose yourself while talking to literal idiots. I would have gouged my eyes out after 5 minutes of this.
She actually seems to be exactly that dim. She reminds me of that other girl who thought she could still use her car after selling it. When caleb finally got through to her that she wouldn't she looked bewildered at the concept of using buses. It was wild! And that was on her update episode! This girl is not going to do anything they've just discussed.
@@Lily-ki5cn if you go to his channel and sort by oldest, it's the one titled $1000 car making $15/hr ... something like that. It's 24 mins long. The follow up is on the follow up channel. Enjoy!
Her not wanting to starting paying her credit card while simultaneously wanting to finance a tattoo might be one of the single most entitled line of thinking I’ve ever heard 😂😂 independent my ass
I can't believe she mentioned that at the end, almost like rebelling against the advice. Wtf? 'Thank you for your time and advice; I'm gonna go do the exact opposite. LOL'! Kudos to Caleb for not losing his head over that.
Hey caleb. Getting my bachelors in finance next month. These vids really helped me get a good aspect of how financing works. Thanks so much for these vids. Appreciate you.
"Girl brain" and "Girl math" applies to budgeting a candy bar or spending an extra dollar or two for a snack. It does not apply to failing out college courses and failing to take financial accountability. Girl math is a silly internet trend, not a lifestyle to live by as an ADULT WOMAN.
I mean it can even mean spending $1000 dollars IF you can afford it. E.g. I bought sim racing equipment for my pc for $1000 so I could now calculate how much racing a real car would cost and joke about saving money, but I can do that because I have and emergency fund, put money aside for my retirement every month, and saved up that money. What I couldn’t do is finance that shit and tell myself I was being financially responsible because going karting 50 times costs more
Girl math for me is when you paid for something a 2 months in advance so when it happens it's basically free 😂 Not not paying for stuff at all and blaming everyone else for your situation
I'm 22 and unfortunately this is our generation I honestly feel like 40% or 30% of us have this type of mindset of delusion but don't worry it'll get worse later on 🙃
She started panicing when Caleb suggests that she pay back the credit card she rang up. Lol, the entitlement is too real. Hope her parents follow through and stop enabling her.
Do you see what kind of creature that is that is one of the people that are involved in the protest and the people screaming we are here we are queer and we're coming for your kids lol
I had to HARDCORE GRIND to get a C to pass college algebra. I got tutoring and made it, but you really need to lock in. I'm amazing at graphs for some reason. She is not putting her head down. She's been dealt a fantastic starting hand and is squandering it.
Just started watching these videos today. I already budget and save the money I make, along with paying all of my bills on time, but Caleb still has me noided😅got me running to my bank statements in fear!
Even worse than homeless. She’s gunna be perpetually in poverty. Living paycheck to paycheck with high debt and govt assistance. Rough life. Broke and homeless can be fixed. Poor is a mindset.
the fact that by the end of the show she was still talking about spending rent money on tattoos and then donating plasma last minute to make up the shortfall was terrifying.
The fact that she blatantly lied about not knowing she was in debt- she said she brought up the $4000 to her mom so her mom would be proud, then her mom said she had great control of the credit card until they stopped watching it and then when they asked about it again she admitted it had gotten to 4000??? Insane.
If she's that bad at math, thank GOD she didn't pursue nursing. There's literally a class in nursing school (medication math) where if you miss ONE question you fail.
Yup. I have two nurses in my family, and they both told me that if they couldn’t do basic arithmetic, they could easily kill someone every day. As a patient who was hospitalized (I was 12 and my Cystic Fibrosis was kicking my ass), a nursing assistant once gave me a double dose of Bactrim with no food, and I spent the next two days puking my guts out. Needless to say, that assistant got fired immediately lmao
I have 4 nurses in my family who said most new nurses never put their phones down, which can lead to mistakes that will destroy both their lives and their patients.
In this woman's defense, the quality of math teacher makes a huge difference. I was a C math student, until I got a dedicated and skillful teacher and got an A. In calculus. What had been a series of clicks and whistles before was actually interesting and exciting. For once. Then the person left and the buzzing sound started. But this girl would starve to death in a difficult environment.
@@NoidoDev It depends on the actions taken or not taken ;) I got my stuff together about 4 years ago, paid off a huge amount of (student loan) debt and got a much higher paying job :) Now, I have a stable and nice life with a loving partner, financial stability and I'm currently expecting my first child. All because of videos like Caleb's.
She has 0 aspirations. 0 drive. 0 discipline. And 0 desire to be coached. She stole the seat on this show from someone who actually wants to be helped. Sorry she completely wasted your time.
At the end, she gives oppositional vibes. It feels like her parents have attempted to educate her, but she resents them for some reason and doesn't value their guidance.
This girl needs a big time reality check, the way she disrespected her mother and took this experience as a joke is incredible. I hope she watches this back and sees how much of a spoiled brat she is
@@flor9345the people I know IRL around my age (early 20s) are all broke. They always talk about how much upkeep is. Same with people who go to tanning salons and dress up among other social groups/trends. It’s stupid and a waste of money.
@@gregutz4284 I’m not going to say you can’t treat yourself, but then don’t buy a car you can’t afford. There’s ways to save that you still get to make a “fun” account to satisfy impulses once in a blue moon, but that’s on top of the emergency fund and other things you need.
Yeah but unfortunately her parents made her that way lol I felt bad for them, but when you think about it they are just enabling her. Lol her mom is acting like she disapproves of her actions and spending habits, but I can guarantee she’ll continue to support and enable her. That’s why she carelessly mocked her, she probably treats them like crap and knows no matter what they’ll help her survive.
Don't "serve" you country, you just get used and thrown away. Look at all the vets on the streets while the government does nothing and traffics fighting age people across the border and gives them benefits taken from your hard work.
So Texas has the hazelwood act. It’s for people who served and their qualified dependents. You have to be a Texas resident when you enlist and go to school in Texas for it to be used. My husband served for 6 years and if my children choose to go to school in Texas, what’s left in that “account” for them, will be available to them. With both GI bill and the hazelwood act my husband was able to get his bachelors and still would have enough for a masters if we lived in Texas.
@@kathyjones3984none of my grandpas kids went to school so his hazelwood act went to waste too. They were trying to see if a grandkid(me) could get it but they said it wasn’t possible:/ which was fine I’ve not taken out loans at all:) but my little sister is because she wanted to go to UT Austin😵💫
@@Amero2323Option to transfer your GI Bill to your spouse or kids only started in the late 2000’s, and requires an additional 4 year service obligation.
![ออกพรรษาน้ำตาหล่น - แอน อรดี [OFFICIAL MV]](http://i.ytimg.com/vi/PFZtOcY9ONA/mqdefault.jpg)
Are you feeling a bit dirty? ;) shop.calebhammer.com/dirty - only through the end of this month!
omg the ad at 30 minutes XD nice
Oh, I need to spend my money on some taquitos with those shirts on... real dirty...
OMG... if i wasn't in debt i would def get kiss my assests and finance daddy shirt... 😭
I felt very naughty listening to your ad 😂😂😂
lol
“I’m a people pleaser” but none of the people in the room are pleased
Are the pleased people in the room with us? 😂
it's easy to be virtuous with other people's resources. She's using her parents to fund her "big heart" lifestyle o.O
Maby her friends
😂
@@oliviabryd6265they are in the free (to them) hotel room
When they say "college is not for everybody", they're talking about her.
Well, with the way colleges are nowadays. I'd say she would fit right in.
@@victorvandenbrink6851 I was going to disagree with you but there really are all types. I know people who’ve worked their way through their entire degree with a lot of discipline and then… people like her. And all the people in the middle. There are all sorts 😭
She is a liar from the beginning. I live in sa. And tower americas is now way considered a high class resturant. Any san Antonio resident or from actual high dollar resturant owner will agree.
@@victorvandenbrink6851 Tech companies are learning very quickly that C's get degrees and skills pay their bills.
"Bad at math", "got confused", "people pleaser", "no one taught me"... Full blown weaponized incompetence.
I was low key suprised there wasn‘t a bingo card on screen for her excuses
And she'll weaponize therapy as well
Or literally just incompetence. This is probably the very first time she got sat down.
Sadly a result of the current system is that you never learn responsibility or accountability. Those aren't things you magically gain as an adult and I honestly think that being mad at people who were taught helplessness is an absolute waste of breath. Pick them up, put them to work and allow them to learn. Otherwise most of them are going to fall through.
@@Mupyeongthis is just poor parenting. The issue with poor parenting is alot of the time it comes out after you leave them.
@@mryellow6918 Not necessarily. If both mom and dad work their 40-60hours, kid is mostly in public school, grandparents not very present and then the family wants to fill their absence with love or nice things, it's a systemic failure.
Countries that have nuclear families and families with more traditional workings (including stay at home dads!) seem to have much more success in avoiding.... this.
She mocked her mom every time she spoke. Her mom rescued her from $4,000 of credit card debt. She thanks her by mocking everything financial she has to say. She acts like an incompetent victim to manipulate her parents into giving her money. She's one of the most deeply unlikable people I've ever seen.
I disagree. She asked her mom "what's debt?" in her late teens. Her mom never taught her how to manage her money, which is irresponsible parenting. There's a reason she's the way she is now. I like her because she seems like a kind, fun person, but she needs to be more responsible. Her parents set her up for failure and are now enabling her incompetence. They aren't letting her grow up.
I want to know what "go donate" when she's short on rent means, is she panhandling? I'm confused
@@Misshughestrmdonating plasma. It’s like donating blood but you get paid for it.
The disrespect she shows her mother while also relying on her for money is mind blowing. Like eye rolling and mocking in a public setting? Girl, bye.
She claims to be mature and then goes and acts like a bratty teenager, unreal!
That shows some bad parenting by her mother, letting this brat be in control and no boundaries or respect.
That's all I see in the US, is all "I hate my parents, they are not going to be in my life's they ruined me by trying to parent me oh but let me take all their money"
The faces she makes are toddler level maturity. Being 20 and doing that is mind-blowing.
Totally agree. But this young woman seems exceptionally immature and NOT bright. Borderline disabled. I put myself in her mother's place and I would be scared to death. The future doesn't look good.
Math alone didn’t pull her GPA down to under 2.0. That’s bullshit.
well she probably got Bs through Ds in the other classes
Literally that means she’s probably borderline passing everything else
But it’s why she can’t be a nurse, stats alone would stop her
exactly!! college isn’t for everyone
It cannot possibly be just math that she's failing at. I suck at math too so I literally can't comprehend how to calculate GPA but she has to be failing other subjects as well, a 1.8 is so abysmal. If she can't do school that's fine, do something else.
as a woman and a economist, i wanna die when she says "girl's math" that way
You read my mind, it’s just insulting to females.
As far as I know, "girls math" was supposed to be behavioural economics, then just became this insulting thing.
@@GangsterNerd1don't call wo.en "females" dude it's weird
Accountant here and yeah that gave me an instant headache...
-I wanna finance a tattoo"
- WHY
- Because I'm independent
🥴
I read this comment before I got to the part so I thought u were just joking around. Then she actually said it. Holy shit she’s gonna be independently living under a bridge here soon
"finance a tattoo"
not gone lie I’ve done it once, definitely a shameful feeling but you learn not to do that shit again 😆
I want tattoos but I just always find a better use for the money 😅
As dumb as financing a tattoo is, I knew a guy who financed SHOES. Apparently there’s at least one business out there that give SHOE LOANS so you can buy $400 basketball shoes.
Saying this is “girl math” is an insult to females everywhere.
not really, pretty much anyone ive ever seen say "girl math" is equally delusional
The only acceptable girl math is calculating a chocolate budget into your grocery budget.
That pissed me the F off. Like don’t lump other girls in with you, ffs.
No seriously!
Girl math is me getting a coupon for a free sandwich and using points i had to get a free meal
This isn’t “girl math” this is willful ignorance
Ignorance and excuses.
Willingly dumb*
I hate the term “girl math” as an elder millennial 🤣
More like "no math".😆
Can we stop trying to make "girl math" happen?? It's not even a thing! (╯‵□′)╯︵┴─┴
I understand being bad at math. But purchasing $4000 in STUFF thinking you were building credit and not debt is scary.
the way the mom explained it and how she was laughing during her explanation tells me she lied during that portion of the interview and that she was actually aware of how bad her behavior was
Yeah, she lied about that. She knew what she was doing. She’s manipulative
@wyattgallagher7232 I have a feeling she's not actually that stupid and just wanted her parents to feel bad and help bail her out, because she's just a dumb girl and didn't know credit card debt was bad :(((
Seriously. She thought she's building her credit score? I really wanted Caleb to push her more on what she thinks a credit card is and how it works.
A great question for this guest would have been "are you interested in changing things?" Because every one of her justifications says no.
This should be for all guests or something like he just asked near the end is “Do you care?”
This young lady should never be allowed to counsel anyone, let alone students at a high school. No way.
I was thinking the same thing. Thankfully based on this episode that’s fairly unlikely
She's 20.
she will more likely than not be this way at 30 also@@NotMalikScott
@@NotMalikScott Sorry but even at 20 you just see how she struggles to understand basic concepts. That is not something that goes away with age.
Also she would need grad school, despite what she said, and she can't pass her gen ed at community college.
As someone in the same age group has her, I’ve noticed that a lot of people my age default to trauma dumping/ therapy talk when confronted with irresponsibility. Just before an hour in it suddenly becomes “i have no friends, i have bad influences, i work with crackheads, I’m a people pleaser.” This is not for venting, I’m sorry. This is for taking accountability of your finances. Two things can be true at once, but the focus HERE is fixing your money.
That is so true, I am guilty of this sometimes but I catch myself because that’s being in a victim mentality and you’re giving in to your EGO when you do that. You need to take accountability and responsibility for your actions but it’s so much easier to deflect and blame it on something else or a certain circumstance. Although it is an explanation as to WHY it shouldn’t be used as an excuse.
I’m not sure why she came on the show, I’m like it’s meant to be a wake up call not something to dodge responsibility
Choices have consequences and no one wants to take responsibility for their bad decisions or behavior so just blame it on something else
It’s the worst, there’s a difference between being self aware and being a victim. Somehow she’s complaining about having friends and NOT having friends at the same time lol and somehow she was able to tie this to her poor finances? I feel bad for the parents, that’s a difficult knot to untie (even though they are partially to blame)
Yeah, the problem is, usually it's true, right? Like obviously your personal problems have an impact on your finances. It's just that at some point you have to realise it's easier for yourself and everyone around you to actually take charge of your life instead of only complaining about it. Complaining is just the first step.
I have 17 credit hours and I'm just graduating high school. This girl has done NOTHING in the past 3 years. I'm more likely to finish my doctorate before she gets done with school.
You probably retire before she gets her BA lol
And the worst part is she is wasting a gift handed to her from her father who had to serve in the military for decades so that she can go to college for free
For real. She is kidding herself thinking she's a sophomore with 18 credit hours--the average credit hours for a single semester of college is 15.
UK person here... What ARE "credit hours"? In uni and nobody uses those terms where I'm from seemingly and idk if it's an American thing
“If i have the spare money…” MAM YOU DO NOT HAVE SPARE MONEY! You do not have money for tattoos or vapes or fun stuff for yourself. You DO NOT have money!
Basic white girl degree because she should be embarrassed that she’s white of course.
I frustrates me to no end when people want to study psychology and help others, but they can’t even help themselves.
or even better, they want to study psychology to help ONLY themselves and find out what they have :\
they only want answers but they don't want to work through the problems
It’s often because they want to understand their own weird brain. Every god damn time with these types of people.
@@mindhackz Exactly, they're just selfish
believe it or not, this is common for psychologists
Couldn't have said it better.
Her mocking her mother is all I need to know about her and her character
Dad is military too, must never been home to lay down the law. Mom's road kill she's been run over so many times by this chick
I could hardly continue the video after that
Neither could Caleb. He ended the conversation pretty quick after that, he was done done. He looked legitimately upset and annoyed by the end.
I hope her mom stops helping. The way she mocked her and then said she getting a new tattoo was crazy.
her looks is all i needed to know
This is what pisses me off. Her boyfriend is capable of working but he is content with 20 hours a week and being on government assistance in their 20’s. Bull shit
So is she lol,they’re both idiots
Yep. I bet he complains how he should be earning more money while only working 20 hours per week. Gotta hate people.
She's extremely manipulative. Begging her mom to pay off her debts on a card, he tells her mom not to so she can learn, and her first response is "Mmm we're gonna have a little talk about that on the 2-hour drive home~" That girl needs to be completely dropped by her parents for a bit and learn what it feels like to GENUINELY struggle
She isn’t a sophomore. 18 credit hours is halfway through freshman year. She has done nothing for 3 years. Insane. She will be in school forever.
I’m from the UK so didn’t understand the American credit hour system. Explaining it with that makes me realise how shocking that is. 3 years and not even through 1st year is crazy, this is not just “maths problems”
Yeah each year should be roughly 30 credits if you are going full time. 120 at the end of 4 years.
@@dazevipr3390 that’s shocking. I’m not sure how difficult 1st year university is in the US. But in the UK if you fail first year while trying… maybe higher education isn’t for you.
@@sofpsocf exactly! She talked about a 12 year college program assuming she was matriculating at a standard pace. Based on her current pace taking out the one year of academic suspension, it would take her another 6 years to get 4 out of the 12 years of progress completed. She would still have 8 more years of school by her own admission if she completed the remaining 8 years at an appropriate pace. Her parents have failed her. Her dad sacrificed for this benefit and she’s squandering it.
@@sofpsocf first year is very very simple…
The fact that her dad served in the armed forces to give her the access to free education and health insurance, while she's here squandering, is maddening. She doesn't realize she was dealt an amazing starting hand in life and probably won't until its too late.
THIS!!!
Based off what I found for the normal GI bill she has wasted about half of it. And the best part is that if you take GI money, fail everything (which is what she's doing) and quite school, then the military can charge back her fucking father because she's literally just throwing their money away.
So not only is she squandering something few Americans get, but there is a real possibility that this is going to backfire on her parents when she flunks and gets kicked out of college.
I think the issue sometimes is people arent mature enough to go to college. 18-21 I think I see a lot of people wasting there time. They just don’t know how to work the bureaucracy or how the world works. Can’t get math litterally write out math equations in your math book over and over til it makes sense and your brain sees a pattern
What she talking about I believe is 4 yrs of college they pay for housing food I think from what a friend was telling me the tricare I think is till 21 then it over
@@victoriadriver You can keep Tricare until age 26, I believe it was an Obama era change that passed that.. Also at a public university not only is the school paid for, but she would also get additional money paid to her directly depending on exactly what her dad transferred to her (as much as $700 a month to use for whatever). She had a chance to have school completely paid for, getting a check every month while going and having her healthcare completely taken care of for 4 more years post-graduation. While not having to join the army to get it.
I feel like this is the type of person who ends up on the streets after her parents give up on her and leaves her blaming everyone but herself
Professional victim
Imagine spending years going through the military and all the hardships that come with it just for your daughter to turn out like this
This makes me never want to have kids again
Because you weren't there to parent them probably 🤔
Kids don’t just turn out like this on their own, apple doesn’t fall from the tree
Please, please don't let this person be a school counselor.
She’s only 20. As much as a knucklehead she’s being rn. She’ll grow out of it
@@Sam-mb6mg Wishful thinking, but not all people do
@@RIP21MeastSeanTaylor that’s true. But it’s still early to beat down on a person so early in their life
She doesn’t realize she needs a masters degree to be a school counselor in Texas.
I have a friend who is a supervisor for the kind of job she's thinking of (friend started in that job with her BS, and then got her MS to become supervisory). They make okay money with the BS, but what she's talking about in terms of earnings are for the supervisors (who need an MS and to be licensed ABA counselors) or in very high-income areas (which means that the salary won't go far). I *may* be getting her letters wrong. I just don't have the bandwidth to search my email to see if I have an email from her to get them right, but I know for sure she has an MS in psychology and a license that required testing, and both were required for her position supervising a team that provides support for students with Individual Education Plans so that they receive the school and community services they need to thrive.
"Money for myself" girl you had $4000 in debt. You already spent the money for yourself.
Lmao I yelled this at my phone when she said that too!
I thought this same thing! Smh
I talked to my mom abt this, how my parents would spot my $5-20 for gas or whatever, but if I put myself $4000 in debt they wouldn’t do anything to help cuz it’s my problem. Tbf my parents also ensured that I started working at 17 (would’ve started sooner but Covid) and made sure I knew what a credit card was and all that. But also I have just always been good at not spending money? So idk
To her "if I have the money" means "if they haven't refused my credit card yet".
Why does every poor person own 1-8 animals?
Feeling empty, and they want anything to love them. I personally do want a cat someday, but I currently can't afford to. I don't want one because I feel empty, but I want to rescue cats when I know I can support them 100%. Vet bills and all. Imma bet almost all the poor people who have pets have high maintenance breeds with expensive medical bills too 💀
Always!
Her laughing at every red flag and trying to justify it with absolute garbage is going to make me rage
She's one of those type of people who has no idea what they're talking about but still wants to be right and is too arrogant to admit they need help
You mean a liberal?
You can tell from her tone replying to things Caleb said that she isnt looking to learn from his advice but is looking to find a way to be right in her response
Is this what happens to kids who use their IEP as an excuse and never learn anything?
@@ASoundscapeofOurOwn Irritating Excessive Personality ?
💯 dead-on
When she started defending her BF working “around 20 hours a week” so he can stay on food stamps I think every single one of us rolled our eyes. Girl you and him need major help!
Government and parental assistance and think she can afford living alone....
That is what the food stamp program, as it is, breeds
@@maylinrivera6482 The problem is that it's not a graduated reduction in benefits, much like most other benefit programs. I know the "welfare queen" meme is popular, but it's not the average person who gets these benefits, nor is someone like this who tries to work less to keep the benefits. A well-designed program would give less and less in benefits until you reach a maximum income. Instead, the way they work is that you either get them or not. So some people don't work their way out of needing benefits because they will not be able to afford to eat once they work 25 instead of 20 hours a week! That's awful, and could be solved if they just got a little less as they worked more and earned more, versus being totally cut off if they're offered more hours or a promotion!
A typical leftist...
So depending on the type of work he can get and the assistant he receives it's possibly better for him to be on government assistance. But I'm going to be real without knowing what he's getting and how much it's saving him I can't really say if it's better or worse. Because he can work a 9-5 but if he's getting paid peanuts and going to school while trying to keep his grades up then I can understand why he would only do the 20 hours. Again really depends on what he's doing and how much worse he'll be if he does a full 40 hours
i recently turned 18 and saw a clip on tiktok of this video and before watching it i had no idea how anything works financially, after the video i feel much better about my financial morals and my idea of living truly independently, im honestly gonna stalk you page to see if u have any videos in depth about budgeting, sending love from someone who learned something because of you
Same, we're all guilty of overspending or not saving properly before we educate ourselves and I felt guilty for it but after watching her I'm.... Honestly speechless
What bothers me about this girl is that she is studying psychology because other fields didn't appeal to her. Her sense of responsibility doesn't seem to be the most suitable for a health-related field
I really liked having the Mom on this episode. She was able to weigh in when the guest was trying to twist the story and gave more information on the true debt history.
Imagine if she had done anything to educate her burden of a spawn in the past 20 years.
Yup, especially since she immediately disproved her stupid story about "not understanding cc debt vs cc limit"
But the mom and dad are part of the problem. I have a feeling they'll break down later because it's harder to do the right thing.
Yes I’m so glad Caleb confronted her lol I would feel bad for the mom, but I don’t. She’s enabling her daughter and teaching her to be dependent her whole life.
@@jyan21 What is the right thing?
I'm assuming you are going to give some stupid answer like "Stop enabling her and kick her to the curb."
Ironically all of the people fucked up on drugs and mental problems who are homeless I witness ALL had those types of parents.
Yes they need boundaries but trying to draw them with someone this far gone is hard. Because when you do eventually just cut all support she isn't going to immediately get her shit together.
No, she's going to become more reliant on people who seem to take advantage of her from what the convo seems to allude to. She will be in an objectively dangerous situation. And desperation doesn't mean she starts working 3 jobs to pay off debt. It might just further snowball a dangerous debt cycle that will accumulate to a point that she will never be able to climb out of.
There is no easy answer here. Trying to make it sound easier than it is just shows your own ignorance to people who actually fall into this situation.
“You’re deflecting, you’re justifying, and I’m done with this conversation”.
What a baller, Caleb. ❤
Inspo for dealing with my narcissist partner 😂😂😂
@@jawn137 Why are you willingly with a narcissistic person? Do you hate yourself?
@@robbiecale3327 kids man, kids.
She was so annoying and self absorbed I’m not sure how he made it through that
@@jawn137go to the store to get some milk.
Caleb add some interviews of people that didn’t save for retirement to show our youth what happens if you don’t learn about finances and saving for retirement
What's crazy is that I'm about to hit 21 and I am in college and still live with my parents and I couldn't have been more grateful to do so😭
SAAAAMEEEE
The mom being there the whole time was such a plot twist 😅
I would have never guessed by the way she was talking.
Yeah for real had no idea
He said she was in the waiting room so don’t think she heard most of it
My parents lived through the depression. They KNOW sacrifice and frugality and taught it to my sister and me. I taught it to my kids, and they make sensible financial decisions.
@@lynnw7155this is irrelevant
I hate the concept of girl math bc too many people take it WAY too literally, when it was meant to be a harmless, tongue-in-cheek joke.. its not meant to be used as a reason for legitimately-concerning finance situations 😭😭
Anything to skirt responibility willl be used as an excuse.
I kinda of feel the same way about boys will be boys. Like that should be used for rolling around in the dirt not cheating and being a ego maniac
Me too! My friend says it all the time and she’s always broke as a joke
Girl math 🤪
Agree. I ‘girl math’ things under 20$ total. Like I found 15$ in a coat pocket and a friend wants to grab coffee tomorrow- so it’s ‘free’. that money isn’t in my budget, it’s small enough I don’t need to add it. But it’s not a normal, daily, or large ticket item thing.
God he genuinely looks pissed at the end and I can't blame the man. Holy was that a struggle at the end, if I disrespected my folks like that they'd do more than "smack me in the face"
If you have you credit card for any other reason but to build up your credit score, you're too poor to have a credit card. Getting a credit card when you're already struggling and bad with money is like digging your own grave with a rusty spoon.
i had a friend in college who built his credit up by paying his rent and utilities with his credit card, then paying the credit card balance off at the end of each month.
“But where the money for mee??”
All the money you make IS for you. Paying rent is for you. Buying groceries is for you. If you want “fun money” work harder to budget and plan for it. How do people not understand that they can not spend more than they make??
“She knows I’m going to get a tattoo next week”
What a slap in the face to her mother. So incredibly disrespectful. I commended your patience with this one because it was infuriating.
Because people like that try to get sympathy points and those who let sympathy overule reason
The problem is people don't realize that bills are for them (as you said). They frame everything in terms of their "fun money".
Bro for real..... 4k in debt that your parents are taking care of, THAT YOU STILL OWE THEM...... but ya let's go get a tattooo🤦♀️🤦♀️
"Where's the money for me?" I literally said "you already spent it!" Thats whats on the credit cards. You used it in advance.
If my mom paid a bill and found out I spent money on a tattoo, she'd never show me another cent again 😭 why are people like this, I'm so sad for her mom
There is no question in my mind that any continuing education is completely, absolutely, unequivocally wrong for her.
She should probably start with high school education.
💯 not everyone should go to college. She needs to find a better job. College is not for her. Also, a psych bachelor degree is not useful at all for 99% who get that. Girl, please do not take out debt and continue this. You will regret it.
She'd probably do better in tech school. I was like her. Tech school was a godsend.
Exactly! 😊
Looks like she’s already had plenty of propaganda… she can skip college and keep the money and hair
Meeting people like this is fascinating. Makes me thankful for what I have
I would be terrified if this was my school counsellor. I’ll probably walk right back out of the room.
Hi! I’m a college recruiter.
1st. If you aren’t good with math, anything health professions related isn’t a good career.
2nd. To have below a 2.0, it isn’t 1 subject. There are multiple subjects that are either Ds or Fs
3. To be a high school counselor you almost always need a masters
4. To be a behavioral tech you need certifications, not necessarily a bachelors degree
You could have all C's and one D and you'd be below a 2.0. I guess you don't need to be good at math to be a college recruiter. Maybe she could do that lol.
Hi! Please respond! What majors should I choose if I’m not good at math? I really wanted to do business analytics. But what major should I choose if I want to make 80k+ a year.
To the guy above, many jobs with 80k+ a year will require at least basic maths, or be hard enough that you shouldn’t be struggling with maths. But maths can be learnt overtime, it’s decently hard but you can become good at maths
There will however be jobs with that salary that don’t require maths, i wouldn’t know though
@@ZzzZ-sb9juYou won’t find many majors that get to a $80k starting salary right out college that don’t require math. Math isn’t easy so it tends to pay better. There are exceptions but there are uncommon, especially outside of HCOL areas. You can find jobs that don’t require as advanced math however, and within 5-10 years or so easily make 80k or more. Accounting is an example of this. You could easily start around 60-70k and easily make 80k+ within 3-5 years of graduating. The math also isn’t that bad, especially compared to other majors such as engineering.
The real personality came out as soon as the mother started talking. She showed exactly who she is in that moment
Exactly!! I can’t imagine rolling my eyes, mouthing off, and disrespecting anyone like that, let alone my own mother
@@katherinescott1324 51:01
She lied about her 4k debt too. That also came out when the mom showed up. She said she didn’t understand credit and debt and that she thought it was a good thing, but then mom said she was timid about admitting it so she knew she messed up and her parents would bail her out. This was painful to listen too.
Welp who raised her ya know? It’s embarrassing for sure 🤦♀️
@@ihateeverything9887I noticed that too!!! She reminds me of a cousin, and the mom definitely enables and set this example for her. It’s crazy how similar this girl and my cousin are😭 pathological liars and always a victim
I was never studious until I TRIED. I worked my butt off to get into the advanced math and science classes I needed for nursing.
I’m a tutor now and the students I tutor who say “I’m just bad at ____” do not put in the effort and do not pass. There are infinite resources in college aimed to help you succeed.
This is the first I've actually watched all the way through. I love how tough he is with them. When he said "it sounds like enabling" that's exactly what it is. My parents helped out when I had a job that only paid $9/hr while I was in college and I'm super grateful for that, but they could and would never take on my credit card debt for me. I know I can always rely on my parents if I have a hard time (like during covid I had to have them pay one of my car payments which I paid them back for when I got my unemployment) but it doesn't mean I have to
Financed Tattoos, Food stamps and a boyfriend who can't drive. What can go wrong? 😂
@@Ye7l satistic? 😂
And dinner for all her friends, rent for a vet she felt sorry for.
Her boyfriend sounds like a winner
She wants to be responsible for the psychological care of children.
@@MimiRAM0NE I've really come to realize most people in the mental health field should be patients
Will never understand these people who don’t want to live in their parents’ homes, but are more than happy to expect their parents to bail them out financially on a regular basis.
Their parents are subsidizing their cosplay as independent adults.
@@TheLethalIntrospectionCrew good one
Meanwhile I won't even allow my parents to give me an interest free loan bc my dad is begging me to replace my beater car. 1 No. 2 I love my beater, we're bffs until she falls apart.
@@googleuser3749Tbh always refusing to take the help your parents offer you can also make them feel bad. Accept some of the help they offer once in a while, just not financial ones
Right! At 29 my parents let me move back in to save cash for a house. I'm now 32 with a house. Take advantage if your parents will let you live with them rent free. Yes it sucks but it can be a big win.
I worked in ABA. To be a tech you don’t need a degree. To be a therapist you need a masters. There’s nothing in between. The bachelors does nothing.
Even if she graduated with a psychology degree and planned to get a master's, she'd probably cry during the GRE. Forget about scoring high enough in math to be accepted into a master's program.
That’s incorrect. You can have a bachelors and be a Behavior Analyst. Behavior Analyst are BCBA and BCaBA.
BCBA - Masters Degree plus 6 courses, field hours, and supervision
BCaBA - Bachelor’s Degree, field hours, and supervision
RBT - High School Degree with 40 hour courses
@@daniellequarter8769 So she didn't even do her research. She literally can work as a ABA at this moment, her "dream job," right now without any college degree
@@333pinkelephant333 Basically, some schooling through a company and an exam to be an RBT. She could be a behavior tech with like a one or two day training. RBT get paid more than behavior techs. Both actual make pretty good money but they are typically 1099 so you have to save about 10% of your income for taxes.
@@daniellequarter8769 I wasn’t counting BCaBA because it’s a useless thing to get. Everyone who gets it just gets a BCBA anyways and you’re just limiting yourself with the BCaBA
I don't mean to insult any of you reading this. For the most part, anyone I've ever spoken to who told me they are going to school for psychology just needed one themselves. They are seeking answers but in their own narcissistic way.
"therapists cause more problems than they solve." -jim lahey
God love the 20 year olds. It's just a time in your life where you don't know anything but you're very confident that you're smarter than everyone.
Yea im probably the only smart 20 year old every one else is dumb.
@@T10Titan😂
And yet people think children who are even less intelligent should make life altering decisions with hormone therapy...
That was exactly me lmao. I just wish I could go back and hang out with me at that time
@@T10Titan every 20 year old believes that.
fact is your all dum and so was I at 20
Forget all the past financial audits - this one was the CRAZIEST for me. Caleb: PLEASE have more parents come on this show with their kids!
Right?? Don't let these people sit in their web of lies and delusions. "What do you mean you can't get a second job because you don't have anyone to watch the kids? Mom and I watch your kids every weekend while you're out clubbing." 😮 😂
lol parents having been present didn't really work out for her, like, on her life.
The most amazing this about this interview is that she actually has a full time boyfriend. She’s like a 2/10. Dude must be desperate
She's very much an adult at 20 years old. No need for bringing in parents.
I think the mother being there is what makes her "independence" so hilarious. It's almost as bad as taking your mom to a job interview.
"A low costed hotel versus a fancy restaurant building"
I think i see the problem here and it has nothing to do with the occupations.
It’s so good to watch these videos on full. I feel like I’m slowly crawling out of debt but honestly just watching this, I already know I have to do way more. Self reflecting a lot here on what it is I need to change.
As a psych student, you absolutely need a masters to be a school counselor. This girl is giving me brain cancer just by watching this…. But I can’t stop watching.
My brain is actively trying to kill itself watching this but I will not stop.
@@marksluimers4241 It’s like a train wreck. You just can’t look away.
This was the most painful episode I’ve ever watched.
@@Knotkodaexactly
@@1_benjy_1the recent episodes I have saved are going to be very hard to watch and thinking wth moments when watching them..
This girl doesn’t need to be a special teacher. She needs a special teacher.
Ok you dont have to be mean, dont think you was perfect at 20
@@Margriet101I don't even think that's being mean honestly. She's showing that she's having a hard time understanding a lot of basic concepts that should come easy to anyone reaching adulthood. That's not trying to be insulting, that's just stating an observation.
As I watch the video, I do find myself asking if there is a learning disability that is contributing to her situation here.
Even if there isn't, she is not showing the desire to learn in the slightest.
A person who has no desire to learn basic concepts about adulting and living shouldn't be in the position to teach younger kids about things like adulting and living.
@@thebraveguy9808either something is loose up there OR her parents failed her in the concept of teaching her adults things/help her understand them..
@@thebraveguy9808I mean, she pretty obviously has dyscalculia so there could be something else. She could just have enabling parents though.
@@Margriet101 it is not being mean. The world is tough and these people are weak. You bleeding hearts do not help anything, you create these pink haired maroons.
Im so grateful to have parents to teach me about basic finance. I have no debt. And payed off all student loans. Now i am just job hunting.
“I don’t like being told what to do” literal mentality of a child. When you’re a kid, you don’t want rules, you don’t want boundaries, you don’t want restrictions. But The older you get, the more you realize that having someone guiding you and/or stopping you from doing stupid shit is the BIGGEST blessing anyone can receive.
She's 20 only in age. Mentally she's like 14 or 15.
Laughing uncontrollably. The mocking. Quiet screaming. Such a child.
No appreciation or foresight for anything that isn't instant gratification.
Parents need to parent, these kids are something else
I thought she was laughing because she was nervous/embarrassed though
that's a nervous laugh.
The one good thing is 20 is still VERY young in the grand scheme of things. There's still a lot to fear and reasons to be pessimistic from this video, but there's plenty of time for her to learn and reverse her situation.
Maybe 7 years of age*
She straight up lied about not knowing about the credit card based on what her mom said. She knew exactly what she was doing.
Yeah she thinks she’s slick with it but we all see this willful and intentional ignorance and lying to make excuses for her negative behavioral spending
I could not imagine leaving my parents with a $4000 bill. I didn't even make my parents take out loans for college, I just went to the military.
Some kids just don't know how good they have it.
Her story made no sense to begin with, EVERYONE knows how credit cards work, even if you don’t exactly understand interest rates.
Right because I was giving her the benefit of the doubt about not knowing till her mom came on and said she had been using it properly and keeping them informed then boom suddenly a $4000 balance!!! So you knew you had to pay that money back and you let it get that high AND only said anything about how high it was when questioned
@THEGREENHELIUM yeah, I'm pretty sure her parents couldn't stand her anymore so they're happy to pay more for her to be somewhere else lol
I have a family member with a Psy. D who has been working with kids - first as a teacher, then as a Gestalt play therapist WITH a doctorate - and she makes about $50-60k a year. So good luck with your bachelor’s. You would be better off getting your lswc with a masters.
You are so good at holding it together during these conversations and it's amazing. This girl was beyond infuriating and I admire how well you compose yourself while talking to literal idiots. I would have gouged my eyes out after 5 minutes of this.
I hate people who think acting stupid makes them cute. It doesn’t. Fix yourself.
She aint acting
She actually seems to be exactly that dim. She reminds me of that other girl who thought she could still use her car after selling it. When caleb finally got through to her that she wouldn't she looked bewildered at the concept of using buses. It was wild! And that was on her update episode!
This girl is not going to do anything they've just discussed.
@@moimeself1088 can you tell me which video that is please? I want to watch it
@@Lily-ki5cn if you go to his channel and sort by oldest, it's the one titled $1000 car making $15/hr ... something like that. It's 24 mins long. The follow up is on the follow up channel. Enjoy!
Her not wanting to starting paying her credit card while simultaneously wanting to finance a tattoo might be one of the single most entitled line of thinking I’ve ever heard 😂😂 independent my ass
I was shocked!
I can't believe she mentioned that at the end, almost like rebelling against the advice. Wtf? 'Thank you for your time and advice; I'm gonna go do the exact opposite. LOL'! Kudos to Caleb for not losing his head over that.
I see myself in a lot of these guest :( I’m so glad I found Caleb. I finally have to drive to do better.
Hey caleb. Getting my bachelors in finance next month. These vids really helped me get a good aspect of how financing works. Thanks so much for these vids. Appreciate you.
I don’t know how she isn’t deeply embarrassed by this, I’m embarrassed for her.
She will be when she turns 25 and rewatches this and realizes it’s on the internet forever lol
Shes oblivious
Im glad the comments are just straight roasting her behavior. What an immature child
That “girl math” is insulting to all girls everywhere. I do not claim whatever math that is 😂
Yes, same!! 😅
Yes, it’s so insulting!
Hhhh was looking for this comment. I agree.
Same here!
My "girl math" is NOTHING like this. It's infuriating.
Im offended and im not even a girl!
here's a chinese idiom i wanna share with you guys today:
"生於憂患，死於安樂"
"Life springs from sorrow and calamity; death comes from ease and pleasure"
When she said “where’s the money for me though?” I lost it. There is a reason these people were peasants in the feudal age.
"Girl brain" and "Girl math" applies to budgeting a candy bar or spending an extra dollar or two for a snack. It does not apply to failing out college courses and failing to take financial accountability. Girl math is a silly internet trend, not a lifestyle to live by as an ADULT WOMAN.
I mean it can even mean spending $1000 dollars IF you can afford it.
E.g. I bought sim racing equipment for my pc for $1000 so I could now calculate how much racing a real car would cost and joke about saving money, but I can do that because I have and emergency fund, put money aside for my retirement every month, and saved up that money.
What I couldn’t do is finance that shit and tell myself I was being financially responsible because going karting 50 times costs more
It’s honestly surreal seeing someone who looks down on herself so much that she will reflexively be like “it’s cuz of my girl brain”. Like holy shit
Girl math I saw was like buying a coffee with money you found in your jacket is basically free 😅
Girl math for me is when you paid for something a 2 months in advance so when it happens it's basically free 😂
Not not paying for stuff at all and blaming everyone else for your situation
@@smileygirl622literally 😭
As a 20-year-old, this is utterly embarrassing behavior. It's not all of us😂
Thank goodness
My brain is fried from how stupid she is
You’re hot too
So true although im almost 22 now😂
I'm 22 and unfortunately this is our generation I honestly feel like 40% or 30% of us have this type of mindset of delusion but don't worry it'll get worse later on 🙃
Watching your show has positively impacted my finances thank you so much
I hope she sees the errors of her ways and corrects them so that she lives a healthy fulfilling life. 💪🏽
She started panicing when Caleb suggests that she pay back the credit card she rang up. Lol, the entitlement is too real. Hope her parents follow through and stop enabling her.
Pure manipulation. Dude I would let her fail. Unfoetunately she would relish in the victim complex which would give her the attention she craves.
Her parents are to blame.
Right? And the first thing she asked about was where is her money?
So ridiculous. IT WAS HER DEBT.
I was so mad when she brushed off her financial situation by saying "girl math". Holy crap she is doomed with that way of thinking.....
That absolutely killed me
Do you see what kind of creature that is that is one of the people that are involved in the protest and the people screaming we are here we are queer and we're coming for your kids lol
Yeah, it’s not “girl math,” it’s “dumb people math.”
She has internet brain
As a female engineer - I was pretty irritated with that too. Girl does not equal dumb....
I had to HARDCORE GRIND to get a C to pass college algebra. I got tutoring and made it, but you really need to lock in. I'm amazing at graphs for some reason. She is not putting her head down. She's been dealt a fantastic starting hand and is squandering it.
I never experienced Caleb so tired, like, this whole conversation was like hammering reason into someone who just doesnt want it. I feel ya, Caleb.
“Where’s the money for me?”
I almost flipped the table.
I love how she insists that she has the money regardless of the reality and Caleb telling her "YOU DON'T"
What she doesn't understand is that it's all for her. Her apartment. Her car. Her groceries. THIS IS WHAT THE MONEY IS FOR. It's all for you!
the money for her is the 4k she already spent 😭 what’s not clicking for her
She is just too selfless
@hffysnff right? You had money for you and you already spent it!!
I’m enjoying the fed up version of Caleb. The yelling before was entertaining but this ‘fed up’, call calling them out on their bullshit is lovely
The leaning back in his chair last episode had me dyinnnn
Same! It’s refreshing.
i admire her confidence (especially for someone who can’t do long division)
All the deeply intelligent people I know question themselves constantly. I don't think this woman questions herself, ever.
Just started watching these videos today. I already budget and save the money I make, along with paying all of my bills on time, but Caleb still has me noided😅got me running to my bank statements in fear!
Teacher here. You see what we have to put up with!?
I weep for you and for this country
thank you for everything you do🫡 we love you stranger
God bless you. I wouldn’t last an hour.
lol the behavior stems from the parents. We can tell here.
All my respect for you sir, dealing with regular stupid like most of us is tiring enough, these special cases do not help
This mom should be terrified. Her daughter is going to be homeless by the time she’s 25
Even worse than homeless. She’s gunna be perpetually in poverty. Living paycheck to paycheck with high debt and govt assistance.
Rough life. Broke and homeless can be fixed. Poor is a mindset.
the fact that by the end of the show she was still talking about spending rent money on tattoos and then donating plasma last minute to make up the shortfall was terrifying.
I am quite sure the mom is older then 25 already
not she's not. Her mom is gonna bail her out.
@@zachbozman5381 Facts, I was homeless at one point in my life. I am fine now.
The fact that she blatantly lied about not knowing she was in debt- she said she brought up the $4000 to her mom so her mom would be proud, then her mom said she had great control of the credit card until they stopped watching it and then when they asked about it again she admitted it had gotten to 4000??? Insane.
2 minutes in, and I can tell by "low costed hotel" that this is going to be a good one
Sees thumbnail: “okay let’s not judge a book by its cover”
Watches episode: “holy shit this is worse than I could have imagined”
Physiognomy is real
Dude Foreal 😂
@@Hiraeth-zq8zelol she said she a basic white girl tho
When you have no real direction like, sometimes it be like that
mental illness
If she's that bad at math, thank GOD she didn't pursue nursing. There's literally a class in nursing school (medication math) where if you miss ONE question you fail.
Exactly, and in real life if during your drug calculations you add an extra zero at the end because you're that shit at maths, you could kill someone.
Yup. I have two nurses in my family, and they both told me that if they couldn’t do basic arithmetic, they could easily kill someone every day.
As a patient who was hospitalized (I was 12 and my Cystic Fibrosis was kicking my ass), a nursing assistant once gave me a double dose of Bactrim with no food, and I spent the next two days puking my guts out. Needless to say, that assistant got fired immediately lmao
As you should 😅 medication math sounds EXTREMELY important 🙃
I have 4 nurses in my family who said most new nurses never put their phones down, which can lead to mistakes that will destroy both their lives and their patients.
@@leroyj62 not everyone finds maths easy, and that's fine if you know your limitations and maybe find something that plays more to your strengths
In this woman's defense, the quality of math teacher makes a huge difference. I was a C math student, until I got a dedicated and skillful teacher and got an A. In calculus. What had been a series of clicks and whistles before was actually interesting and exciting. For once. Then the person left and the buzzing sound started.
But this girl would starve to death in a difficult environment.
The finance add for dirty money was so unexpected but made my day
Sometimes I think my life is a mess. Then I watch a new Caleb video and immediately feel better.
X2 🤣
Same :D
Understandable, but that's a risk. Feeling smart won't improve anything.
@@NoidoDev It depends on the actions taken or not taken ;) I got my stuff together about 4 years ago, paid off a huge amount of (student loan) debt and got a much higher paying job :) Now, I have a stable and nice life with a loving partner, financial stability and I'm currently expecting my first child. All because of videos like Caleb's.
dude same
I had a class with her two semesters ago (interpersonal communication) and she acts like that fr this is not a act
The fact that she took an interpersonal communication class and is unable to answer properly is... gold. 100% fitting her interview.
Me personally I believe every TH-cam comment I read
Haha
Wait you knew here??? Dude. She doesn't seem like a real person.
@@Yellowc0ldyeah because people don’t have lives outside of TH-cam you can’t possibly know someone you see here🙄
Hair cut explains everything
What I was about to say...and of course the nose ring
She has 0 aspirations. 0 drive. 0 discipline. And 0 desire to be coached.
She stole the seat on this show from someone who actually wants to be helped. Sorry she completely wasted your time.
At the end, she gives oppositional vibes. It feels like her parents have attempted to educate her, but she resents them for some reason and doesn't value their guidance.
This girl needs a big time reality check, the way she disrespected her mother and took this experience as a joke is incredible. I hope she watches this back and sees how much of a spoiled brat she is
@@gregutz4284I don't think clothes or piercings make people bad. Most of the people on this show don't even have them so yeah...stereotyping much?
@@flor9345the people I know IRL around my age (early 20s) are all broke. They always talk about how much upkeep is. Same with people who go to tanning salons and dress up among other social groups/trends. It’s stupid and a waste of money.
@@gregutz4284 I’m not going to say you can’t treat yourself, but then don’t buy a car you can’t afford. There’s ways to save that you still get to make a “fun” account to satisfy impulses once in a blue moon, but that’s on top of the emergency fund and other things you need.
“Hahaha, I’m getting another tattoo next week” 😒
Yeah but unfortunately her parents made her that way lol I felt bad for them, but when you think about it they are just enabling her. Lol her mom is acting like she disapproves of her actions and spending habits, but I can guarantee she’ll continue to support and enable her. That’s why she carelessly mocked her, she probably treats them like crap and knows no matter what they’ll help her survive.
Her dad most likely served extra years in order to transfer his GI bill to her, and she THREW it away. She's insane.
Don't "serve" you country, you just get used and thrown away. Look at all the vets on the streets while the government does nothing and traffics fighting age people across the border and gives them benefits taken from your hard work.
I was wondering about that. My dad's a vietnam vet and I never heard anything about free college
So Texas has the hazelwood act. It’s for people who served and their qualified dependents. You have to be a Texas resident when you enlist and go to school in Texas for it to be used. My husband served for 6 years and if my children choose to go to school in Texas, what’s left in that “account” for them, will be available to them. With both GI bill and the hazelwood act my husband was able to get his bachelors and still would have enough for a masters if we lived in Texas.
@@kathyjones3984none of my grandpas kids went to school so his hazelwood act went to waste too. They were trying to see if a grandkid(me) could get it but they said it wasn’t possible:/ which was fine I’ve not taken out loans at all:) but my little sister is because she wanted to go to UT Austin😵💫
@@Amero2323Option to transfer your GI Bill to your spouse or kids only started in the late 2000’s, and requires an additional 4 year service obligation.
and i'm not even surprised that she dont have friends, like who else wanna be friend with NO, NO WAY