She Tried to Manipulate Me | Financial Audit
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Caleb!!! Thanks to you I paid all my debt off. Except my mortgage of course, but that doesn't count. Lol
I am OFFICIALLY DEBT FREEEE🎉🎉🎉
Now I'm using my second job to build my savings.
I owe you so much, you have changed my life exponentially.
like my daddy always says, if you're looking around the room for the asshole and you can't find him... odds are you're the asshole in the room
Hi Caleb, can you please do a video once a week or even month of someone doing really well? It would be nice as a consistent viewer to get variety and get insight into what it looks like to be doing the right things financially.
Hey, Caleb just started watching I Sign Up to get your Rules For Not Being A F*ck Up but I can't download it, it says in the users trash from Goggle Drive
Your username is a company… yet you dislike him making money by sponsors?
"What is this debt"
"My grandma died"
"Why did you buy this?"
"So when my grandma died"
"Why not cook?"
"Because at my dead grandmas place"
When she started talking about her grandma's death... normally stories like that get me really emotional or at least misty eyed... SHE SOUNDED SO FAKE. She sounded like she knew how to use that trauma to make people pity her, rather than just share a true trauma. So freaking gross
Grandma ded
The fake crying out the gate...geez
I get it but been there too, wasted money but when you’re not functioning well, it’s easier to spend that money seeking a soothing feeling fast. I wasted about 10k grieving over a year
*slightly raises voice* *instantly starts crying*
She’s got one of the worst victim mindsets I’ve ever seen. Finances are the least of her concerns at the moment.
She started setting up excuses immediately! She said “I’ve been not myself since my grandma died” and then “he triggers the worst behaviours”.
@@martabanasiewicz6353 yup. At some point you have to look in the mirror and realize who’s in control of your life.
I mean the shirt says sloth squad
Yes. I've got a sister like this. Drives the whole family nuts with constant negativity. She has a bad back but walks fine when she doesn't know she's being watched. Bi-polar too.
Big facts. I smell so much BS coming from her
At some point Caleb may need to bring on a licensed therapist as a co-host. I feel like so many of these guests are looking for financial advice but what they really need is a therapist.
Anyone but Dr. Phil 😂 or Dr. Drew.
Please no
If there is one that he vibes with really well, that could actually be a good idea. The hard part is finding the therapist that vibes with Caleb in his area.
SO MANY people just need a therapist. Their finance problem is due to poor mental health
The two issues often go hand-in-hand
No what they really need is to gtfu
"Everyone was jealous because I have money " makes 23k a year ....ohhh boy.
That’s small town Oklahoma for ya :-) us natives get bored
She does have money that’s the thing she owns her home which she is probably paying 1k a year in property taxes she is making 30-40k a year. If you actually own your home outright your spending power doubles so yeah she makes on a low year 30k but that’s the equivalent of making 60grand if she had to pay a mortgage/rent. She is just bad with money.
She might get some $$ from her tribes. Yeah, she just said she gets per cap.
@@nickjlover72you’re whiter than snow
@@nickjlover72y do u guys get given 15-20k a year?
I could feel Caleb being emotionally disconnected the entire time she'd try to elevate the emotional state of the conversation and I'm really impressed by that.
Yes! I felt bad for him, because he was being as kind and understanding as one could be. God knows I would have had a headache hearing her over and over again attempting to point fingers at everyone else.
Idk if I could have hung in there as long as him lol.
It is clear he has been emotionally manipulated to the end of his rope in his past.
the "ok Im going to listen to this and act interested so she doesn't get insulted that I'm genuinely not interested in this" face
Aquarius things
She can’t lose weight for her safety. She can’t buy a hot plate because she doesn’t want to spend more money. She can’t become a nurse because the industry is understaffed. She can’t take advantage of her benefits appropriately because it’s hard. She’s overwhelmed that her 30k paid for house needs some things. Does she realize how unnecessarily oppositional she is.
Unnecessarily oppositional. I love that phrase. That is so accurate.
Also known as ‘being a dickhead’ 🤣
With that mentally best she stays away from the medical/nursing field. People don’t need her there
Sir, this is just all the Indians on any rez.
I'm a native Alaska in my tribal community and it's actually pretty simple and straightforward to apply for scholarships, housing assistance, work training programs, cold weather gear, hunting permits ECT. You just have to do the work. Be a participating member of your tribe. We're a tribe for a reason we take care of each other, but you need to respect the systems.
If you are HANDED $10-15K per year, you OWN your house, AND had a dual income household yet you’re in death debt, you just suck at handling your own life… which makes sense because she seems to blame her problems on literally anyone but herself.
Welcome to welfare programs. People dont work for their money and just leech.
Yeah I'm only about 20 minutes into this episode but I agree. You have most people's single highest cost totally covered right now (i.e. housing/rent) which in a normal budget might be a third of your income.
In other words you can pretty much add 50% to her annual income to adjust it to most people's situations.
Handed $10-$15k per year, for HER, not her family who need and don't have a stove....
Everyone on this show sucks at handling their own life… even the ones making 6 figures with no spouse or kids….
@@sabias3932 it's called life styles they want to live but never can have
The 20, 100, and 200 atm withdrawal are 100% for weed
… the ONLY time I use an atm lol
@@BigHotSauceBoss6999% with the final 1% being an annual random Craigslist purchase
@@BigHotSauceBoss69Same lol 😂
Came here just laugh openly without shame😂
I am still wondering how does one get $203 from an atm when they always ask you to use multiples of $20 or $5
This woman has never been wrong a single time in her entire life, simply amazing.
Most people don't really make wrong decisions, they make decisions that make sense in the moment, but they turn out to be wrong later. It's very easy to think hey I had all the info I had at the time and I couldnt do better, dont blame me. And honeslty they're usually right. I dont like this show's pre-occupation with blaming the person for their financial difficulties. We're here to solve things, a lot of which are caused by a mixture of personal confusion and struggle and external factors which out of their control and hurt people
She spent almost 2k on a gaming rig for Stardew and Borderlands 2 💀💀💀
@@jonm6775I always thought the meme about women buying some multi thousand dollar rig just to play Sims 4 was only a meme.
I’ve learned that one simple way to be happier in life is to take accountability. Almost everyone I know that seems eternally miserable, never take accountability.
alexp123e I think it’s cause they view the world as their enemy. Everyone’s out to get them, everything is set up for them to fail. That’s why they’re so miserable. When you realize that you control like 99% of your destiny, you realize that the world and everyone else around you largely is not interested in your life. It goes from everyone’s an enemy to everyone’s kinda like an npc. Not that they’re dumb, but just that they’re living their life just like you
She cares more about telling her sob story than the actual debt
It feels like this is a therapy session and not a financial audit. Her story continues and it's just hard to finish this episode, so I totally agree!
@@G3mini33I’m trying to finish it and I’m tempted to close off after all the sob stories rather than a straight up story of how she got into debt
👏🏻 Caleb 👏🏻 is 👏🏻 not 👏🏻 your 👏🏻 therapist 👏🏻
Yep it's a giant pity party. Wah wah wah. Life is tough. Deal with it.
@@thewebbyshow1132she thinks she deserves all the 'nice stuff' because so much is wrong in her life.
Putting her ex’s personal medical condition out there is so trashy, cruel, immature,and petty. That’s no one’s business outside their marriage.
Absolutely
poor guy.
I doubt it’s even a medical condition. He probably just doesn’t want to be around her and I don’t blame him.
@@KazeHorseyeah….. she kept saying he he he he he. Yeah he was why she spent money, because he didn’t want to hug her toxic ass
I've never had that problem, but I'd imagine it'd be tough if you're getting into bed with...let me stop there.
She was hoping, the ENTIRE TIME..that yall would feel so bad you’d wipe out her debt and give her 20,000$ for the drive
Yep she literally came on to tell us her sob story, make people feel sorry for her and someone foot her bill. And use the native thing as an excuse
🤣
Native privilege
I would love to hear her husband's story. He should appear on his own audit. She dragged him unnecessarily and he deserves his chance to return the favour.
Great idea. It would be fascinating to hear his side of it. From how vague and deceptive she was, I'm guessing the truth is very different than she is perpetrating
Low key think Caleb should sponsor the husband's audit. Give him Graham and Jack levels of luxury, He probably still has some spending problems and bad debt to learn from, but he deserves his moment in court
I came here to say this! Caleb needs to have her husband on the channel!!
Literally said the man, "couldn't get it up " like... way to air your dirty laundry.
i would watch that, please make it happen Caleb
Anyone notice she even tried to blame the gas pumps for charging her more. 🤣
Damn Love. That gas charge is high because they're liars!
Yes, that’s precisely why she’s in so much financial trouble! 😂
Its crazy, she sounds like she's been thru alot of real problems too but still uses that excuse. I lost almost everything and im climbi g up out of the rut, and im also an extremely emotional person- but i use my emotions to push my life forward. My late fiancée overdosed and passed away last year and now all i want to do is as much as i can for my current girlfriend that i want to be with forever
@@Unstrictmy fiance also passed away from an od suicide in 2018. I'm sorry man
@@DumpsterFairy97 love you my friend, you are here for a reason and everybody who has passed is cheering you on
Complaining the husband would be a bad father when she’s a mess with bad health, bad finances, no career, and no accountability….
Literally told by her doctor she has 5 years to live if she doesn’t change…. But wants to be a mom…?
It bugs me how some people treat becoming a parent so lightly… she has no self awareness
Girl making $13 an hour and bought a house for $33,000. Girl’s living in 1985
She said she’s given money for being a Native American descendant
@@socketyellow3 Free handouts on the base of skin which isn't fair whatsoever. It's very racist.
@@AsukaLangleyS02shut up
@@AsukaLangleyS02 I don't think you know what that money is and where it's coming from. Its not just a free handout. its proceeds from the tribes businesses which gets distributed throughout the tribe.
@@andreapayneconnally390 "proceeds from the tribes businesses" just call it gambling. Gambling is morally wrong, it's practically blood money.
Ok, the insanity of this woman aside, Caleb tossing the tissue box was freaking hilarious.
where was that 🤣
@@argrena 5:30 😂
The smoothness of sliding over a fresh box and then casually tossing the empty aside was a much needed moment of levity 😂
He didn't toss he yeeted lol
That had me cracking up so bad. I felt bad cause it was during a serious moment but it was hilarious along with the little facial expression he made ahaha
This lady got $100,000 given to her to buy a house and still sits there complaining and playing the victim while getting $15,000 a year for free! The entitlement and privilege is almost unbearable.
She is not entitled or privileged. She is a Native. Your ancestors are thieves.
I honestly think people like this give a SOLID insight to how a lot of people would be if Universal Basic Income was a thing...
@@SnowRocker88coming from one of those god damn nordics this is kind of true and not. Whining is annoying but overall our society is better off for it
She is a dingus for sure and personal responsibility comes first and foremost. But native communities are not what most would consider "privileged". Free money would be great for all of us from "good backgrounds" or who have been taught fiscal responsibility. But when you give cash to people raised in and surrounded by poverty (due to ya know...) it's like giving a boat crew with holes in the hull and no rivets more buckets to bail with.
Again you don't get an excuse for being a tard but it's like blaming kids in Baltimore or Chicago for being into gang shit the "just get a good job education stay on straight and narrow" when your surrounded by goon life. Again be racist about it or understand the context of red lining and generational trauma and historic oppression.
@@nonniperkl6273agree . Whining is annoying but its better that these people whine from their housing then the same from the sidewalk they live in and having this person 💩 in the sidewalk doesn’t provide value to my life
The fact she blew through her grandmas life insurance is embarrassing
It’s a very common thing actually. I used to work as a bank teller and I had a few people who were just surviving solely on a life insurance payout they received
Was it the grandma who didn't have a stove or a cooktop yet she lived there for over a year?
It would be one thing to use some of it to pay off a bad credit card but she instantly ran that card back up like what 😂
@@danio2516that's not blowing through it.
@@wizzyno1566they would normally begin with an absurd amount of cash withdrawals until they’re left with just a small portion of the life insurance payout
That "Let me finish!" was pretty aggressive. This is how I knew she was just putting on. She jumped from sobbing to demanding in 0.01 second! She would rather gripe then get advice
I feel like I must lack empathy because I feel absolutely zero for her. The more she talks, you realize she makes a bad decision, Caleb states thats dumb, she cries and then tries to justify this bad decision. Girl at some point you have to realize you are the problem. Not everyone else. you. Have some agency in your own life.
Same
episode was a bit too cringe for me
for real, I was laughing through a lot of it because it was just so ridiculous. maybe I'm mean but it really felt like she was fishing for validation and sympathy and watching caleb cut through her BS was kind of hilarious
@@kennedyhogan9484 it's like one of those situations where you can't help but laugh because of how ridiculous it actually is, it's just mind boggling.
I was looking for this comment
Is anyone else lost on this episode or just me? One minute she owns a home, the next she’s staying at her grandmas with no stove, then she’s living with other family members?? One minute she’s in Oklahoma then North Carolina, I’m so lost.
It’s because shes LYING. You see through it.
I’m lost too… Not as lost as she is though! 🙃
@@stephanie5249 I hope she is doing better now.
@@lynnettepaonessa8226 me too! But I wouldn’t put money on it
Too many cry brakes fuck if your not ready to talk stay home omg!!!
She doesnt care about her finances. She just wanted to come on to play the victim. Everytime Caleb tried to bring the convo back to money, she pulled it right back to her feeling.
My favorite part is when she says she paid her card off because “She worked extra hard that month” and then proceeded to say she used her grandmas insurance money when Caleb pressed the issue 😂
LMFAO
Caleb PLEASE get her husband on for his own audit
we need to petition caleb for this!
Fr!!!!! Im always curious what the other side of peoples stories are
Caleb will go from financial audit to the new Jerry Springer in seconds. I just want to know why Credit One is a bad choice, idc about her ex-husbands non working weiner. Sympathy, tho.
Dat part
THIS THIS THIS
Cia: “I’m spending hundreds of dollars on food because we don’t have a stove!”
Caleb: “Get a stove?”
Cia: “We did but we’re lazy!”
Lady, why are you even on here?
While crying
Her shirt isn't just a cutesie meme...it's her lifestyle
Omg. I got upset at that, too. She doesn't want to put more money into the house, so instead, she dumps money into fast food.
That "logic" made zero sense to me.
"Oh well I didnt want to invest that money and get nothing in return for it"
Okay but she'll burn a lot of money eating out instead? That's like amputating the leg to deal with an infected toe.
she said “my husband gained so much weight. he needs to go to the doctor. he’s a trigger for me. i can’t keep babying him…” bruh
I've always considered myself out of touch for not fully understanding what trauma dumping is.
I am now up to date.
I’d say this was more emotional manipulation (or at least an attempt lol)
This isn't trauma dumping, it's manipulation. A real trauma dump is like someone smacks you and then walks away, she was dragging it out for sympathy
She keeps talking about her problems and Caleb is like “ah man that’s tough. Ok so any more debt?” Then another sob story about getting out of debt and how it’s so hard she couldn’t care anymore - cue Caleb “hey hit the subscribe button” I love that he refuses to validate her bad choices. Good job Caleb!!!
Every charge or debt had a sob story that started "my grandma" this episode could have been half as long.
Cia: crying
Caleb: and what's the balance?
@@mrspoidoevery time I heard “my grandma” I fucking was like “oh this shit again…”. My grandpa passing ruined me for years and all I did was run up my grandmas wifi and eat a bit too much
She is a prime example of someone who uses therapy just to learn all of the different ailments she can claim. And weaponizes the lingo. She's had a 13 years of rehearsal for this moment. She will not learn and will continue to seek out pity as long as she can find new people to tell her sob stories..
@@ChristofferLund right haha, dude just wanted to crack down on some numbers but instead he had to listen to crocodile tears for over an hour
Jfc, “weaponizes” is right
YES YES YES!!
This is a perfect description of her
That's actually how most people who go to therapy are these days
Why is nobody talking about the fact that she really said “ dying in the Walmart floor would be a privilege “ like wuuut. This audit was wild.
It's just another sympathy plea.
Right, she gets Ozempic for free but consistently overeats unhealthy food, drinks soda, and doesn’t exercise but plays the victim about her health as if it were out of her control
@@djs2182Sounds like it has stopped the overeating. She said she lost 60lbs through the nausea alone.
@@Draggonnybut see, shock to your body like that makes your health worst on your organs. It was not healthy. She even said she didnt actually work for it.
@@djs2182Might be for now but that drug makes you HURL that shit up. My buddy’s wife was morbidly obese and it was like talking to a new person next time I saw her
I’m glad you popped in to include the context about her blaming y’all. This mindset is insufferable. Here’s hoping she claims her life I following your plan.
Didn't she cite her husband's lack of desire to lose weight as one of the reasons she wanted a divorce? Yet, she refuses to lose weight for *insert list of nonsense reasons*? She's a nightmare.
right??? and she's the one that got an ultimatum of "change or you'll die within 5 years" from a doctor too!!!
Also losing weight (3-6% of current body weight) helps diabetes so... 😂 Im so confused
Also what does ‘for my safety’ mean??
I genuinely don’t get it, can someone please explain, my imagination is running away with me 😂
@thekidd7 From the way she responded, she's using food as an emotional crutch and isn't mentally stable enough to tackle that issue right now. It makes sense. It's difficult to tackle one thing at a time. It's damn near impossible to tackle everything at once. If she can stick to a budget for 3 months, she can consider that aspect stable enough to then look at diet or exercise. So she doesn't have to wait until she's debt free to start addressing her health but trying to overhaul her entire life all at once would be setting herself up to fail.
I wouldn't try to appeal logically to anyone this drunk on her own emotions. She needs years of therapy before she's able to process how much denial she's in and she'll probably have eaten herself to death by then.
the email she sent after the show tells me her goal here was garner sympathy and for Caleb to just give her money to pay her debt and since that didn’t happen him and his team are now “her enemies”💀
The stove story was too much...the immediate fake tears, the endless excuses. Just insane some people live in this mindset. Major props to you Caleb for how well you handled the conversation.
This is the mindset these people are in, it's actually true the part about them saying she has more money and should pay for everything. It's a crab bucket situation, any of them make it slightly further ahead and they get dragged back down. Noone wants to buy the stove so they just wait it out until someone gives in and pays for it.
This is the part that really made me mad cause I’ve lived with my mother in a single bedroom at my grandmothers and we made do with microwave foods , hot dogs, noodles , pizza. Was it the most balanced .. no but I survived and so did she.
I still use a 30$ hotplate and a microwave I got out of the trash and fixed.
Note: don't try fixing a microwave.
"I was just so... so angry" Give me a break lol
@@nineteenfortyeight6762Yeah, I'm just in the process of getting a new kitchen. I had no kitchen sink for weeks and no stove for a month. I'm just getting the electrical work done today to get the stove wired in. I didn't even have hot water for 1 week (thank god for power showers so I could bathe okay). You make it work as best you can. My strategy was to go on the Slimfast diet. That meant 2 meals per day were just milk and powder mix. Evening meals were microwave meals or something tinned mixed with 2 minute microwave rice. It has been a winning strategy. It has kept grocery bills down and I've lost just under a stone in weight. Sometimes you just have to take a step back and create a strategy to tide you over until the bigger problem can be fixed. Not saying it hasn't been emotionally taxing but I've turned a problem into an opportunity.
I have a feeling she insists on "taking care of everyone else" at the expense of herself so she can weaponize it & blame them later for her own mistakes. Like "I pay for your truck and that's why I'm struggling" instead of her wildly excessive spending.
Oh gosh I know someone like this. He’ll offer you help and pretend like he’s REALLY getting out of his way to help you with something (whether you asked or not), and then weaponize that at every chance possible
She’s the textbook definition of a self-fulfilling prophecy. Hopefully she seeks mental health therapy and works through the source of these behaviors. It’s not helping her at all to blame everyone else for her actions.
How dare her friends use her for emotional support??
@@nineteenfortyeight6762You didn't read any of these comments or you can't read. No in-between.
The amount of patience Caleb displayed here is worthy of an Oscar.
They way she can just cry for sympathy then immediately go back to normal is a scary tell of sociopathy
Better to just say "pathological personality traits" instead of throwing diagnoses around (and most likely being incorrect).
I love how Caleb keeps having to redirect the conversation to the math and the logic of the finances and she stays stuck in the drama of it all.
Good catch. Also you look nice on your photo, good job.
She said she didn’t want to be a victim, yet she presented herself as a victim of everything.
When you’re sobbing throughout a financial audit about your trauma, difficult interpersonal relationships, unhealthy coping tools, and poor decision making, but claim therapy can no longer help you, that probably means you’re refusing to utilize the tools or recommendations given
Can therapists help people to start taking accountability? I’m assuming they can, but in this case idk….
She seems like fun. For someone with a fully paid house, free medical, large chunks of change coming her way she surely is saddest privileged person I’ve ever met. She should try the real world for 45 minutes with rent at $2k or mortgages 8% and property tax over 3k.
She is crying that she have to take care of the house 😂
Property tax over 3 is not that high (unless you mean monthly which is insane!). That is quite low actually for many places.
But i agree, her being given everything has made her a leech and not work for her money.
@@Ebiru2387 I’m still shocked about how she wanted to be a music teacher but they didn’t teach her how to read music. I go to music school and they do teach that but it’s just one part of it and you are required to put in more effort in after class. So if she had a short fall in a specific area go to the library and get a book about music theory. But it’s someone else’s fault right? The teacher has to teach people from a wide variety of students and imagine if the students had to pay money to attend a school that taught at the lowest level? How is that fair? Oh right fairness is all about her
For real, if I had a PAID OFF HOUSE, I’d never even have to think about money ever again
Damn, US interests are high. In my country, highest interest for a housing loan is 4.5% regardless of your credit score.
Between the fake tears, irresponsibility, and sniffling I couldn't get through this episode! Caleb, you're the goat for having the patience and the professionalism to deal with this mess.
Watching this woman explain herself goes like this.
Caleb: So, why did you take out a loan with death interest rate?
Her: Well, my mom wouldnt release the car, and I knew i could get a job easy, and my intolerance to blueberries came up, and my husband isnt good, so yeah.
Caleb: 🤯
😂 don’t forget “I was getting more money for free than everyone else so it was difficult. They expected perfection. I was the responsible one”
Caleb: “okay”
“i need to start getting out of the house, i needed to get ready to get ah job” what does it mean to get ready to get ah job ? i have literally never heard somebody say this before..i kno people who walk miles to work at walmart i live in chicago n people aren’t even this ignorant. an she quits her job to come back to da exact same job at ah lower position ? i can’t lie i’m about ah quarter into the vid maybe not even that long yet an she lost me like 5 mins after this vid started….i am so confused
You missed "my grandma...."
@brandosdot why do you type like that
The fact she sent an email afterwards blaming Caleb... when he was giving her benefit of the doubt and extremely understanding... that's just gross at that point. She needs a new therapist to address this victim mentality.
Just finished the episode and saw comments like this. Sauce? I didn't catch that being mentioned.
@@TwiztidHammer What? He literally took like three-five whole minutes out of the video pretty early on after her first crying fit. Like, good god, man. Watch the video you're commenting on.
17:31
“He’s still my friend”
Just told hundreds of thousands of people he can’t get it up lol. Poor guy.
He probably can’t get it up for her. I don’t blame him for not wanting to risk that
At first she blamed her husband for why she "broke up" with ALL of her friends however, later she says she "broke up" with her friends because she "chose" herself when she stopped smoking. She forgot her lie in less than 20 minutes
You know, it’s entirely possible that her friends broke up with her. I have a lot of sympathy for her hardships. But she also seems like she needs diagnosis/diagnoses. BPD? Anyway, people like this can be exhausting and tend to burn out their friends.
Good catch.
it's possible that it can have been a multiple issue thing. BUT giving the situation and how she's acting I'm sure it's lying bs, it's evident in her fake crying
The whole family thing through me a bit. It takes two have kids and if he wasn’t willing to, makes me think he was checked out (assuming they talked about kids before marriage and he wanted them beforehand). And then they are getting a divorce after paying off their debts jointly? The whole situation is wierd
Noticed this
"I was angry.....so angry." Shes had this prepared
Caleb: "You own a house right out. That's amazing!"
Her: "It's not amazing cuz there's so much work that needs to be done"
Caleb: "That comes with home ownership"
Her: "Yeah..."
A true contrarian. Definitely top 5 insufferable people he has had on the show. Great job handling this one, Caleb.
Can you give me the other four?
@@dillpicklewes50The one he uploaded today of the ‘wannabe pop star’ and the guy who almost walked out because Caleb said he didn’t care about his degree. It was like a 40 year old man whose parents still supported him. He’s the winner of the most insufferable person on this show.
@@Bloods2006 I'm currently watching the wanna be pop star and my heads about to explode.
@@dillpicklewes50I can give you one. Taquitos.
I take her house in a heartbeat. No sky high rent payments 😊 she’s just not grateful for anything. She thinks she’s owed something. A lot of people like that…
she 100% got that victim mentality! Dude you got a paid house, you get money from the state for being Native, medical covered, etc. I understand you lost a love one but girrllllll! Come on, you have so much going for you and you purposely hold on to the negative outcomes!
Exactly what I was thinking
This! But also, I’m moving all the time? Excuse me? You have a paid off home and you’re moving all the time? I don’t understand. 🤷🏼♀️
She’s never been giving any real life skills to function as an individual. This is by far one of the worst persons I’ve watched
@kaylaisawesomeist I couldn't figure that out either! Also, a hotplate girl. Get a hotplate to cook meals until stove money comes around. Way cheaper than eating out. I really think some people are just shackled by their own woes and can't think straight.
Wonder if she drinks.
You tried to congratulate her for being a homeowner and she cuts you off to talk about how hard it is to be a homeowner 😐
@@nodsib i bet the ex husband escaped her, but with a drinking problem
And that her house needs work so suddenly that makes it a shit house and nothing to celebrate.
How is she supposed to get pitied otherwise...
It feels like she’s living the life DLC with cheats on.
She keeps crying because she’s a self centered narcissist not because she’s sad. She’s definitely lying about quitting smoking, she very clearly lacks any self control.
She may need some aloe vera for that burn!
Lazy, complacent, irresponsible, perpetual victim, no accountability, and everything's someone else's fault. I would be shocked if this ever changes. Change requires accountability for your actions.
Sloth squad says a lot
And the fact she gets tribe money to purchase a house etc. large sums of money twice a year?? And still it is everyone’s fault even with handouts she’s whining.
She's quickly running out of people to blame. She's cut out the friends. The husband has left. It's now a coin toss as to whether she's going to go no contact with her family or they're going to go no contact with her. She has accused them of trashing her house so the ball in currently in their court.
@@Draggonnyor they cut her out
@@holdonC Yep she is a Big Kid.
Dude this episode was a STRUGGLE to get through. Felt like a lot of crocodile tears and no accountability. Very icky feeling to me. Sorry that Caleb and team had to go through that.
This woman is an absolute roller coaster of emotions. I see how her behavior caused the loss of her friendships/marriage
Roller coasters generally go up and down. She's straight and level heading right to sympathy town.
What part was that?
The most crying I've every seen in an episode.
I have such a hard time listening to people Lie and manipulate.
Bullshit detector literally caught fire because of all of this.
Yeah she sounds like a narcissist I am related to. Not saying she is, but these are the same tactics and style.
@@daniellebrooks3670 I'll say it for you - she is a narcissist. Whether she has narcissistic personality disorder, who knows. But she absolutely is a narcissist. The fake crying manipulation, everyone else is the problem, the lies, misuse of therapy terms, literally the entire video is her showing she's a narcissist. Also the quote at the end really shows how she thinks of herself.
I really hate the ones where the lying manipulators are doing better than me financially 😅
As you should.
I’m struggling to get through this video already. Some people try so hard to make themselves seem like victims.
🙌🏽🙌🏽🙌🏽🙌🏽
@cocacolacaine3356 yeah racists like you definitely help
@@Oliviaandtrinanot racism but the truth 🤷🏽♂️ people of color (as a black person myself) tend to make themselves victims in about 95% of situations. That’s why they killed Malcom X cause he encouraged minorities to stop being victims 🤷🏽♂️🤷🏽♂️
@@Him-of-course if you can show any evidence that "95% of pocs are professional victims" with absolutely no reason then sure I'll agree. It's a dog whistle to call poc "professional victims", a literal tool of racism and way to put down an entire race. I'm glad that you have not felt that way but it's incredibly unfair for you to decide for all POC that they haven't been treated unfairly, and to say that this is "the truth".
@@Oliviaandtrina call it whatever you want but it's true.
I’d love to see the husband on his own episode of financial audit just to hear his side
I don't think he should have someone on who comingles their finances unless all parties are part of the discussion.
@@lorieslater4372 they were both supposed to be on together but last minute she told them it was just her - so I wonder if he was the one that broke up with her not the other way around as she claims. 🤔 I don't really trust much of what she claims.
She got them tears locked and loaded on a hair trigger. Anything that resembles accountability and she pulls out the tears as if she can cry her way out of bad financial decisions and Caleb can make it all go away.
Perhaps she can start on her own reality show?
Locked and loaded on a hair trigger 🤣🤣🤣🤣😅
As someone who used to have her mindset, there is nothing you can do for her - she can only help herself. I get it, I was like that too: everything was always everyone else’s fault, my hands were always tied, I was always the victim, no one else understood my situation, life had done me bad and I couldn’t do anything to help myself because all of it was all too much… yeah, I get it. And it took a really dark struggle through the worst year of my life, almost losing everything because of this toxic mindset, before I finally took accountability for my life and the situations I was in and started to do the work and make the changes that I used to have some excuse for. My life changed for the better. Nothing inherently was different about the workd except my mindset which had gone from an external locus of control to an internal locus of control. And unfortunately that’s the reality - it doesn’t matter if someone else has caused your suffering, it will ALWAYS be your responsibility to help yourself. No one else’s. YOU are responsible for YOUR life. Not your partner, not your parents or friends or boss or abuser or children. No one except YOU. For your ENTIRE life. Once we realise that and stop making excuses for letting other people have so much control over our happiness and decisions, we are finally free ❤
Thank you for sharing this wisdom ❤
This is such a W comment. Props to you for making the change
@@awsambdaman Thank you so much ❤️
Great insights
As someone also with her mindset, I lost everything because of it. I actually had to sit down after multiple tantrums to figure out that the problem is me and I couldn't blame others.
It was no one's job to listen to my trauma dumping and fix my issues all the while I just kept being the victim, because I would find another thing to be the victim and vent to them about to the point where it was like, 'What else is (my name) going to have issue with today?' And it was embarrassing.
In my time alone and without friends or any way to vent to others, I got into therapy. I got diagnosed with Borderline, I bought DBT and CBT workbooks.
Now, I'm working on myself every day, going to therapy every week, and investing nearly all my time in starting my business. I barely think about being the victim or venting now, because it was time for me to grow up.
She needs to grow up. Once she does that and actually gets that she is the problem and she is making herself the victim out of lies and drama, she will find that she needs to change her mindset.
Until then, she will be a professional victim 24/7.
I would love it if the total debt amount and monthly payments were kept permanently listed somewhere on the screen once you start going through the debts. Most of the time, I listen to this while I'm working, and I'm not able to watch the screen consistantly. Regardless, I love this channel!!❤️
This please!!!! I listen while working on spreadsheets and so being able to glance over and see numbers would help so much.
That’s a cool idea
True but what you said literally contradicts itself
I agree with you, he can show his Google sheets up there for us to see, or a viewer friendly model lol.
Agreed. I’d like to see total debt, monthly debt payment, etc
I wanted to pay to send my thanks because I can't imagine creating this kind of very emotionally taxing content and putting it out for free. I hope the team gets a morale boost!
Thank you :)
I also appreciate his content, but it’s not for free. With this many subscribers and sponsorships, he’s making a good income from TH-cam videos now.
@@staceymeldrum4476free for the person getting advice
Not all heroes wear capes:)
Free for you to watch@@staceymeldrum4476
So she gets medical help, home purchase help, yearly/monthly financial help, college help and all these benefits for being native I don't understand how she is fumbling these opportunities people would kill for....
You forgot the $100000 life insurance payment.
Because, lets be honest, she is remarkably incapable of self reflection. And spits at the notion of personal accountability. She's an intolerable sloth that's best to be forgotten.
Exactly why universal basic income is a bad idea. It might be nice for a little bit until people get used to it, and then we'll be right back where we are now.
@@kristine7304100% true. i totally agree. itll work for a bit, but eventually prices will inflate to adjust for the excess money in peoples pockets, not to mention people throwing the money away like her.
@@kristine7304and remember that a lot of these tribes give out these benefits (maybe not this generous, but still) to their members. And Native American reservations are amongst the most economically desolate places in America. It’s similar to what you see in poor urban neighborhoods; rather than use what they’re given as a leg up, many would rather just use funds to subsidize laziness.
Im so glad you interjected with the update when you did, this lady is a mental Neo when it comes to dodging accountability.
I love the editor! All of the double takes and side eyes 😂
The one raised eyebrow tho!
I'm a subscriber half for the financial education and inspiration and half for the drama and social commentary. It's all so fascinating.
With almost no exceptions, when asked the most basic question “what is your monthly household income?” the guests launch into an epic saga or Caleb gets a blank stare. No wonder these people struggle with their money when they don’t even know the answer to that question.
*pro tip; the answer is one word, a number.
😂😂😂
The contrast of her shakily reading the inspirational quote at the end in contrast to Caleb replying “Mr Papa T…” pretty much sums up the episode. She tried to make everything she experienced so heavy for a financial audit where she mismanaged a lot of money she got for free
Omg I started cracking up when I heard that 😂😂
I fucking died when I heard it
"Sloth squad" is hilariously appropriate for this one 😂
Her not wanting to lose weight despite wanting to manage her diabetes is really all i needed to know. She isnt the one causing or exacerbating her diabetes, or causing her financial troubles. Nope. Not her.
“Dying on the Walmart floor would be a privilege.” I have no control over my life, but also, i wanted a family but my husband wouldn’t…
She has type 2 diabetes which is insulin resistance. The cure for it is to stop overeating. A completely curable condition that just needs her to exhibit a little bit of self control and she refuses to do it.
@@RatioOfOneohhh that must be why my small framed, non overeating father is still type 2 all these years later.... *eye roll*
@@RatioOfOne curable no, manageable yes
@RatioOfOne curable? Over eating is so hard to control. Need dieting and therapy. Could be an emotional eater. Ozempic that she talked about does help with over eating for most cause you become so scared of eating not knowing if it will make you ill...it a lot tougher to control diabetes there no cure...treatments are hit and miss
To the editor, would it be possible to keep the monthly income, running debt total, and minimum monthly payments always on screen as they go through the interview? It would really help to keep things in perspective to the persons specific situation.
Yes please!!
Yes! I’d love this!
That Sloth shirt was all I needed to know
Classic trope - "Exactly What It Says on the Tin"!
#same
What is that anyway?
@@kurtlessguhle2373it’s the content creator merch she bought at a time she didn’t have stove or a furnace. In other words, it’s just another terrible decision.
The $203 merch she spent on that’s what she’s wearing 😂
I feel bad for her husband, the comment about getting it up and his issues, I couldn’t imagine how much blame gets put on his shoulders considering how much of a victim she plays up
Right, its not his fault; i couldn’t get it up dealing with a woman like her neither
I was like "wait.. did she.. just..?" And Caleb's face said the same 😂
I'm happy for him.
I feel like when she made that comment Caleb’s empathy ended
@@moonikuko6401 he kept it in though, totally could've been left out if the video.
You seriously have to be able to reach a point where you just explain to them that "Clearly you're not here to discuss finances, I'm going to have to ask you to leave," but I know your heart is too big for that. But man, when you're trying to redirect the conversation and she keeps cutting you off with "Let me finish, I just want to say one thing, let me finish," it makes me want to throw my monitor through the window.
I wanted to scream every time she said “here’s the thing”
Am I the only one that heard her say her husband can’t get it up?? Why is she saying this on a FINANCIAL AUDIT??!!
Yes!! So out of pocket
I did too! I was laughing
WHAAAAT I missed that... boundaries, girl
I think I saw Caleb glitch! 😂
I heard that too! It's probably because she weighs 400lbs😂
As a mature adult, I found it so painful to listen to a 29-year-old who has the mentality of a five-year-old but this seems indicative of our society these days
I was so confused why i could feel myself losing all empathy, just during the start. Usually all the guests I have a lot of empathy but the more she spoke the more i felt confused by my own lack of care. And then the intermission happened and it explained the feeling. Victim complexes like hers seem so similar to the feeling of meeting a specific type of narcissist i can't deal with.
Yeah my bullshit meter was going off for sure.
Yeah, because that venn diagram is a crescent moon on each side.
she gets a "free" extra $15,000-$30,000 a year just because she's native American and still in immense debt. she got $30,000 from her grandmas death and still squandered it away. More money wont solve her issues, just create other issues
It is not “free”. It is her revenue share from her tribe ownership in a casino. Their council operated it. Someone works for to generate that cash for distribution. It is a shame they don’t pay employees more.
@@Galworld761 its gambling profits. the only difference between tribal casinos and private casinos is who gets the money.
Never thought I’d see someone who mastered the art of crying on demand quite like my mother. This chick gave her run for her money.
How is she supposed to do something hard like budget and pay off debt when all she has to do is tell herself “I used to watch Netflix with my grandma there’s no way I can cancel it.“
Good luck to her. But damn every transaction was associated with a new past trauma in her eyes. She’s gotta work on her mind first.
This has been one of the worst financial audits in my opinion. And not because of Caleb, of course. But because of her. The amounts of blames and the level of victim mentality. The disrespect to her ex-husband, and family members. The slap on the face on Caleb and his team, a person who is attempting to help her. She took a spot of person who could have benefited from this conversation. She didn't need a F.A. she needs a therapist and really look into herself.
Last thing. And the quote at the end. Just no girl. Stop. Instead of reading and saying inspirational quotes, live them, do them.
I feel so bad of Caleb and his team.
Her email blaming Caleb makes her saying that there's nothing therapy can do for her, makes so so much sense now. It won't help if she's blaming and hostile to everyone trying to help her.
The quote was amazing hahaha
Sheer torture listening to this. Don't know how Caleb endures this bs.
Caleb is incredible at handling guests who are full of shit. The taquitos guy, the "life coach" hippie chick, this girl... I have no idea how he puts up with it
@@quantum3183 he does. I dont know how he does that.
He was actually so nice in this video definitely more different than his other videos and the fact she emailed and talked shit is crazyyyyy like i wish he would of went in on her like he usually does now lmaooo
I thought the same thing but I think it was because of the access crying 🫣.
This was so uncomfortable to watch. Props to Caleb for trying his best to hold her accountable and not just dropping out of the audit. It is so hard to watch this level of trauma dumping much less to deal with it in person.
It’s so jarring how the moment she is asked about something she is responsible for she is on the verge of a complete breakdown and the instant the topic changes it’s 🗿
She didn't want her husband to come because he would have contradicted parts of her story.
I'm catching up on old Financial Audits and didn't see the title of this video. 10 mins in, I was getting bad vibes from her. The constant crying and then blaming of so many people…something was up. Thanks for the interjection Caleb! My gut was right!
the audacity of saying someone is not “father material” 56:10 when you dont have your own shit together is insane. Says her doctors told her she has 5 years left at this rate but i imagine she considers herself “mother material”. Every sign of a dissociative narcissist right here
you don’t need to imagine lmao she called herself “the mature one” and that “people treat her as the parent” 6:20
No way a doctor actually said that to her.
@@Emariec93if they did it’s because she’s not taking her diabetes medications correctly
36:42 with over $200 on merch is insane 😮
The fake crying with “I’m the mom of my friends” is the most toxic thing Ive seen on an episode. Someone like this can’t be helped no matter what you tell them. They enjoy playing the role of a victim.
It’s like a mom that chose to have kids and then say “I gave my life for my kids and now they just blame me for all the trauma I caused”
Once upon a time it was difficult to get a credit card. They started giving them out like candy and now everyone is in debt.
Caleb i just want to tell you that my boyfriend and now do "financial audit night" where we go through both of our finances and spending together. The last one we did was a few months ago and we determined he needed a new job closer to home or making more $$$ because his gas bill was almost $400 a month. Its easy to miss these things when you aren't paying attention. Thanks for the inspiration because we are learning and getting our ish in order as young adults.
The statement, "I don't want to be completely out of debt," killed me and the fact that she said having a home mortgage free isn't amazing. SMH.
She also said she doesn’t want to lose weight because it’s a “safety she’s hung onto.” Who even says shit like that? I’ve been overweight my whole life, but at least I’m able to admit what I should change. This shit isn’t a safety blanket. She’s fucked in the head.
Ok, so she talks about her grandmas house not having a stove. Bro, you can go to walmart and get a coleman camping stove for like 80 dollars then another 10 or 15 for a propane tank adapter and another 40 or 50 for a propane tank. You could have solved your cooking issue very easily. Or hell get an air fryer i almost never use my oven thanks to my air fryer.
It never fails to make me chuckle when people literally announce their personality flaws on their t-shirts. What’s that saying? “When people tell you who they are, listen to them the first time.”
I also thought this was an interesting choice to wear for hundreds of thousands of people to see 😂
The shirt speaks loudly
I was SO glad she explained what that meant.
She left her “Low Functioning” tshirt at home
The irony of saying her husband isnt a good father figure, when she has the accountability of a 2 year old.
Every time I looked over from Baldur's Gate, she was crying...
Baldur's Gate! (Purrr) Just saying.
he has been beyond patient and sympathetic to her, and to find out that she reacted the way she did, not surprised, but disappointed. :(
First, also, Caleb man, be careful letting these people trauma dump ln you. Watch out for your mental health.
Cities Skyline 2 is so much fun!!
🙌🏽🙌🏽
Caleb: “so it says here you went and got Doritos from the gas station”
Her: “so the thing is my life is so hard 😖😢”
I’ve met so many people like this … I keep my distance. They will always find a new supply to feed off of. You can’t help them because they actively want to be miserable and bring everyone down with them. I had to learn the hard way. 🤷🏼♀️
You deserve a medal for even keeping these stories straight. I can't keep up.
Her therapist is doing a disservice to her by allowing her to make herself the victim in every situation
Honestly I dated a deeply narcissistic person like this for a couple months (who had been in therapy for years) and what I see now in hindsight was that people like her tend to use therapy as a means to practice creating a flattering narrative for themselves. If her therapist challenged her worldview and didn’t affirm her victimhood, she would absolutely just see her therapist as another evil person who is making her life harder and switch to a therapist that didn’t challenger her. Long story short, in my (admittedly limited) experience, people like this just can’t be helped
Personality disorders are notoriously hard to treat.
@@nineteenfortyeight6762 completely agreed, she's for sure CID-10 F60.something
Narcissistic tendencies are tough because every human has the capacity to be narcissistic to some extent, but it takes a keen eye to discern a normal person acting for themselves, or a person who can only see themselves in every situation.
People like her are really good at manipulating therapists.