I spill the tea about my past AND my producer forces me to play the trombone for the first time in YEARS in today's post-show: th-cam.com/channels/Le_q9axMaeTbjN0hy1Z9xA.htmljoin
I absolutely love that you play trombone. I have played trombone for the past 15 years. Unfortunately, i was in a car accident, so i can no longer play. It is so good to see a fellow trombonist who loves music so much. It may not be a main character instrument with parts written for it, but it is important. I was in a trombone choir for many years. I miss it so much. Have you thought to play in a community band in your city? It is a great way to keep that music alive and play music with a ton of great people! Never stop playing!
@@Madamchief Trombone ! In High School the band instructor encouraged everyone to play the trombone, and "play hold that tiger", the football pep song. So my brother practiced hold that tiger every day.
That was my immediate thought as well. Like girl, even if you might not be close to your family, it definitely sounds like you have support from those around you.
Clubbing is biggest waste of money even if you have to cash to do so. You spend so much just for dancing and music and alcohol. Like I do go clubbing, in my basement with a bottle of what would be the same cost per drink out at club.
I kept saying, “she’s 21.” But at 21 I wasn’t doing this. Girl, get multiple jobs and live poor! Youth is on your side. Hell I got a road job at a railroad. Stop acting like you’re better than hard work.
Was just thinking that myself. I would never survive a second job today but at her age I was working three jobs, living with roommates and eating ramen 5 nights a week and yet I had energy to get into all sorts of youthful hijinks. This is the age to hustle!
She doesn't even need a second job! Witj the money she wastes on cigarettes, the clubs, insufficient funds fees, and Door Dash she could save plenty to put towards all of her minimum payents and even closing some accounts.
Yeah at 21 I had just gotten a 25k loan from the bank of dad to buy my own small business I already worked for but I made the most of my good fortune. I was hustling and living poor to pay business overhead at a physical trade job 50-60 hours a week at least plus babysitting/nannying some evenings and weekends to work towards saving for a home down payment. It was EXHAUSTING even though I was young but now at 42 it has paid off and I don’t have to hustle like that anymore which is good cuz I don’t think I’d survive that now lol. Some young employees I’ve had, had her attitude and I tried my hardest to be a Caleb for them but not sure it worked.
At 21 I was working three jobs cash in hand and living on the cheapest rent I could find and travelling overseas on the money I saved in the bottom of my laundry basket whenever the pile got big enough!
"positivity is not a bad thing but when it blinds us from reality, that's where it starts becoming dangerous." That's a profound comment if I ever heard one.
I work in the er as a nurse. Before that I worked as life flight medic. It's sad to see patients over years get fatter , smoke more, not control blood pressure and blood sugar. The would call 911 when they couldn't breathe, were having chest pain etc. We would get them stabilized. They would be back in 7 to 10 days same problem. Eventually they would be too sick to save. I would hear their family saying "it's so sad, they were so healthy and so young" people live in fantasy land
I agree what he says about mental health. I have ADHD, been diagnosed with Major Depressive Disorder, have an eating disorder and what I have learned is this: I am my own responsibility. I am the ONLY one who can decide to be better. I can not use my mental health as an excuse to get out of anything. It's unfair towards the people around me and it's unfair towards myself
Autism with psychosis and ptsd. Still hold a job and work and pay my own bills. I have a car a place of my own. I came up short for the first time ever recently due to three employers refusing to pay me for work done and having to live off savings for 3 months. What did I do? I said fu to them stopped trying to get blood from a stone and got a job with a temp agency, until I get my insurance license issued so I can work in that field(something I've always wanted to do, since 20). Once my license is issued I have two job offers in hand. One with a major regional agency another with a large national insurer.
It frustrates me when people use it as an excuse to give up. I spent 14-24 doing this. Finally out my head to getting the right help and am now on the right medications to finally feel stable and act responsibly.
Took the day off of work, ordered some DoorDash using my 36% compounding interest credit card, and just took a mortgage out under my kids name. I’m ready for this episode
Don’t forget to take a vacation to Puerto Rico to forget about being behind 2 car payments/credit cards, being homeless, and having $0 in your bank account! Don’t worry, it’ll come back around.
I’m realizing that as long as people are physically able to live as if they aren’t poor, they don’t feel poor and they don’t see the severity of the situation. She’d feel poor if she was under a bridge and counting pennies for lunch, but she physically can pull out a card and fly to Puerto Rico and she can eat at restaurants and live in a air conditioned home. She doesn’t feel poor, so she’s not acting like she is. But she’s mathematically much poorer than the homeless guy under the bridge.
My 38 year old daughter is disabled but is able to work part-time to supplement her disability check. (She caught an unknown virus when she was 2 that wrecked her immune system) She lives on $1,400 every month and feels bad about her position in life BUT she has no debt. In reality, that's a lot better than her friends who are able bodied and working full-time and drowning in debt. Zero net wort is better than negative net worth. When I explained that to her, she felt so much better about herself. (I bought a small house for her to live in and I don't charge her rent. She pays the utilities. I paid cash for the house so no mortgage.)
@@teresahunt5521that’s awesome, glad you were able to do that for her. And glad she’s doing her best to be a productive member of society working part time. 😊
@@maxhalley4373 Thank you. It took a long time to finish college because of her disability. When she got her first job in banking, she ran out and bought a new car. It got repossessed when she got sick again. She learned that lesson the hard way. We are now looking for a vehicle that will get her from A to B. The Rendezvous I bought her several years ago finally bit the dust. For now, we share my 09 Rav4. I drive it Mon morning through Fri afternoon and she drives it on the weekends when she works. She always works holidays. I never work holidays. It's not convenient but doable while we look for something.
@@teresahunt5521Thank you for being such a great Mom! It sounds like your daughter is a lovely person who has already thanked you, I just wanted to thank you as well. It's so nice to hear some positive. Thank you for that as well. Have a wonderful day!
@@teresahunt5521 just wanted to say your daughter is doing a great job and she shouldn't feel bad at all about her situation. And you sound like a great mum.
I had a civic. Bought it off marketplace. The seller installed the timing belt wrong which caused a cascade effect within the engine. I tried to fix it but eventually it was just better to buy a new car, this time from an actual dealership.
One thing overlooked is how entirely dependent she is on her girlfriend and her family. The family is basically enabling her behavior by giving her transportation, $250 rent, most likely food and other freebies living there. All it takes is one argument and a breakup and her life is literally in shambles
She is Shameful exploiting others and trying to appear nice but I feel she is disgusting. I hope the throw her out. Such a child. Living off beauty entitlement.
facts she also needs to stop taking her moms advice. my mom is in her 60s and still is poor blaming generational curses on her bad decisions. I was doing good til i moved in with her during covid and ruined my entire life. i would have been better off living in my car. Now im still paying for taking her shirt advice meanwhile she's homeless im saving money trying to get better and my old life pre covid back.
My coworker did this. The AC was going out and had a big crack on the windshield. Solution? New 35k dollar vehicle.... yeah that made sense to them somehow.
It's justification. People who do that want a new car but use the repair cost as justification. I know people who would do that. Even I catch myself in that thought process sometimes.
It’s honestly sad to see how many people were not raised by people who taught them how to be financially responsible. This is why I feel it’s so important to teach this in schools. I’m so glad you made this channel!! I know I’ve learned a lot.
genuinely THE BEST piece of advice i've gotten in all of K-12 was in my economics class when they told us to never use a credit card unless you're 100% positive that you'll be able to pay it off within a month. i think a lot of people don't realize that it's not free money and if you don't pay it back it WILL accrue interest and you'll pay way more in the long run
Yeah seriously tho, my mom would get mad at me, we’d argue, and she’d call me selfish for wanting to learn how and asking her questions. A lot of parents nowadays don’t want to see their kids actually do well/better than them. I’d even ask what I can do or where I can bring my car into get it worked on and shed be like “do you seriously need that?” “Does your car even have spark plugs” was another occasion and I was shocked 😂 They don’t teach it in school for that very reason. The system is a bunch of pieces that work together to keep us uneducated and dumb, not saying Hitler was a good guy or anything but he warned us all that this was coming. I’m just using that to share that this is nothing new, except our government, banks, corporations, media, and now social media are all used to condition and brainwash ppl. While the same ppl will defend the system and say you’re the bad guy for pointing it out. This is why they want us all on different pages and not having the courage to actually drop our beliefs too - It’s called the War on Consciousness, my channel actually about it bc it gets deep.
If this girl reads this comment- I’m an auto tech and don’t sell your car and mess your finances up even more. Your honda is just as reliable as a Toyota, one of the best cars on the market. Fix the car and drive until the recall. There’s very little signs of a “bad fuel pump”. Usually when it’s bad, the car won’t turn on. If the car turns on then it’s working and driveable. I think you’re convincing yourself you’re in a deeper hole than you actually are (car-wise).
And the cheap cash car you plan to buy will be older and come with potential issues, just like a bad fuel system or lots of wear and tear maintenance that will add up
Yup I've been dyno tuning and modding cars for almost 20yrs and you're spot on. Fuel pumps don't start going bad. Best to just throw in the money to fix the car. ECM going bad is possible but I haven't seen that to be too common with Honda. Toyota and Honda with basic maintenance run great for many years with no issues. 🤙
@@kunya16 Honda is the pinnacle of reliability (or at least used to be, but doubt it's decreased much). I've never understood anyone that says Honda is bad. Sure, it's not flashy for the most part, but they will last forever with just basic maintenance.
@@yaibas1well there is a recall for some sort of degradation that can happen to the fuel pump, but I believe there are other car brads affected by the recall. Honda doesn't build the fuel pump themselves. So taking the car to the recall when she gets the recall is a none issue.
It feels like this is most people in America. "I don't know where all my money went. The world is against me. It's the government's fault." 5 minutes later "I went on a vacation to Puerto Rico recently. It was fun."
Has no money? Lives with girlfriends parents, uses parent’s car, doesn’t pay any bills and thinks it’s just going to go away. No money but goes on vacations, buys clothes, eyelashes, fast food, goes clubbing, etc.. this is not the world’s fault, this is all on her.
oh oh oh oh she's a princess.... heard the theme song when I saw that. She's leeching off others and needs to get cut off and clean up her act. No b*tching, no whining!
When Caleb talked to her about world views and about her mattering, that was the first time I’ve actually cried during an episode. You can see how much he genuinely cares about people, their finances, and their futures. Keep doing what you’re doing Caleb you’re changing lives.
In one year my wife and I paid off over $35k in credit card consumer and auto loan debt. Now we are sitting very nicely with just a mortgage at 2.8%. Stacking money towards our emergency fund. In the next 5 years we will have a healthy retirement account on our way to paying off our home.
@@mowtivatedmechanic1172 no, bad advice. Market historically even at a conservative 7%, outpaces the crap of a 2.7% interest on a house. Retirement will compound better and the equity in the home is a LOT less flexible if they split some of that money into a brokerage or even a HYS at 4.5 to 5%
I feel that I hate seeing money go out of my account but it's literally a part of life like I had to get over that, also with that being said it made me more aware of what I was buying
The generational curse is irresponsibility and ignorance breeding irresponsibility and ignorance. Until someone breaks that cycle it will perpetuate indefinitely.
She has put herself in an incredible dangerous situation where if she and her girlfriend break up she is homeless, will shortly be jobless as she can't work from under a bridge, has no transport to go to the office, and being unable to pay her car bill that will be repossessed. She fucking better make that relationship work till she learns to stand on her own.
This is how a lot of people get stuck in DV relationships. The abuser knows that the victim has no choice but to stay with them so they feel they can do whatever they want….and many times they can because the victim is afraid of their own financial consequences.
Yup, she makes enough money to pay her bills/debts if she really wanted too…She’s just been choosing travel, vacations, going to clubs and having fun over paying her bills. Then says it a “generational curse” that she doesn’t have money. 😂😂 Hope she eventually grows up soon and starts taking some personal accountability.
i made so many bad financial moves in my early20s, but thankfully(?) it was due to duress + not knowing my other options as opposed to choosing to make dumb decisions. at 28 now i’ve got my emergency fund, just over 2k in investments (not much but i’m not in debt anymore so it’s only gonna grow), credit score is still in the garbage but i have 1 more year until the old collections come off and i haven’t made any bad decisions since, so i feel confident in myself going forward. we can all do this no matter when you start!!
Why do these people who believe in make believe ideologies like astrology and manifestations always want to be psychologists and counselors? These are the worst kind of people for that
I've learned in psychology is it's their way to cope. Feeling that changing something in the exterior will heal what they feel inside. Lots of patterns that lead to internal conflicts that they are crying for help but see it as venting.
He’s much more effective when he actually has a conversation with a guest and actually educates them. This was a fantastic episode. Much better than just yelling and yelling..
I was literally scrolling through the comments just now to see if anybody else mentioned how annoying he's being in this one. I'm beside myself that you think that of this particular episode
@Drivesfastlikescats people in financial situations like this are usually deeply in denial of how bad things are. He tries to break through that denial and force them to actually see how bad their situation is so they will improve, you can't do that quickly without being aggressive. They know they're coping and throwing out flimsy excuses, and he knows it too, so he interrupts and ignores those
I love that he notices that she’s taking this hard and talks to her calmly. Ngl I’ve watched a bunch of these and this is one of the only videos where the person actually look like they feel bad for her situation. And it’s nice that he is gentler with her because of that.
And the GF's parents house them and let them use a car for free bc her car is broken and her gf totaled her own car. So, the car she NEEDS to get work and the house that's keeping her from being homeless is not much help at all. None at all. Talk about Delulu.
lol when she just said she lives with her girlfriend's parents - she is extremely lucky they are so nice - I don't know why her girlfriend's parents are being so generous to her honestly, free loader
@MissMosierable if she just slept at her job she wouldn't need a car or a house. So because she could be homeless as an option, housing isn't useful. 😂😂😂
The first thing your counselor will tell you when you are depressed and have mental stuff is to get up in the morning. Take a shower make your bed and go to work. Because every action you complete is a little win and when you stack up all those little wins. Your mental health improves.
Thank you for this post. I've heard this before and know it to be true but depression made me forget so I really appreciate you taking your time to send this.
So true. For me it’s a “everything counts” mentality. Could I choose to not make my bed or wash my face when struggling? Yes, but I know that doing things will provide better peace of mind
@@Choc0change Can you explain how? After all choices are *not* made through words, but the result of deliberate action (or inaction). E.g.: If somebody chooses to have intercourse - especially without contraception, they are deliberately accepting the risk and the potential consequences arising from that risk. If the consequence happens to be pregnancy, then it was the direct result of that person's deliberate action. It was their choice for that pregnancy (to be possible) to happen, no matter how often they used their words to insist that they don't want kids. Note: I'm not using this example to make a moral point about that particular choice or to suggest any particular way to handle the consequences. It's just an example of how words are shallow and meaningless, it's your actions that define your choices. Only your actions change reality, empty words will not.
Payday loans were one of the worst decisions I ever made. I knew it was malicious, I knew they were predatory, but I thought I could handle it, and I was wrong. One loan turned into two turned into me using other loans to pay other loans, it quickly becomes a horrible situation, I'm still paying them off but I at least managed to get out of the cycle of taking out loans constantly to pay other loans. DO ANYTHING YOU CAN TO AVOID THEM, PLEASE, DO NOT SCREW YOURSELF OVER LIKE I DID.
She didn’t want to take $800 from them to get her car fixed because she said she’d figure it out, but then she is driving someone else’s car indefinitely. So she’s still accepting help in a different way.
Yeah the amount you “owe” them for borrowing the car is going to end up being higher than it would be to just pay to get the car fixed (just because they aren’t directly giving money) and you still need to fix you car in the end.
Yeah and in a more annoying way. I'd rather give someone $800 to fix their own car then have them drive around in mine everyday risking crashing my car.
I’m a teacher and CALEB you should design and sell a personal finance high school curriculum. It’s scary how ignorant kids are of the most basic things like interest rates. We are *desperate* for one that is up to date with the current economy.
Personal finance was a mandatory class at 2 of 3 high schools I went to from 2014-2018(my family moved around a tad). They were both crappy schools in the boonies. We learned how to budget, how to not die under a pile of credit card debt, and even how to file taxes by hand. I don't think anyone but me paid attention. We are taught in school, but nobody cares.
Here me out. School does a fundraiser to purchase the already existing budget program (maybe caleb will offer a discount for a group/high school students). Students do an exit program where they pick a Career. Find the salary, what secondary school (if any), and what locations are hiring for that position. A kid could build a fake budget with a bunch of plug in #s. Could ask parents what the food budget is, how much utilities are, phone bill, etc.
She takes trips all the time and pays for them with high interest credit cards. Also smokes and goes to the club all the time. And she blames her poor finances on a general curse? Take ACCOUNTABILITY girl! Grow up!
The government literally gives tax breaks to get them hired, colleges literally accept em with lower scores than their peers. Everyone already bending over backwards to try to get them to be successful. And yet here we are.
This video is amazing because this young woman really does manifest money, but she doesn't take it. Like her girlfriend's parents offered to pay for her car repair, she turned it down. Caleb literally was like, "What would motivate you to stop smoking?" She could have said, $1,000 and he probably would have given her at least $500. Like I'm not saying manifesting works, but it doesn't work great when you don't see it's happening and don't take advantage!
Thanks to Caleb hammering on about the importance of an emergency fund I started socking away some money in a saving account. This week I had to take my cat to the emergency vet. It was stressful, but since I had an emergency fund I didn’t have to grab one of the Care Credit pamphlets they had in the waiting room and I paid the whole bill on the spot without having to put anything on my credit card. My cat is doing better and thanks to Caleb’s good advice my finances are too!
Whenever I hear "spiritual", I just automatically assume that means "I pick and choose extremely specific quotes from the Bible or other religious text that makes me feel better about myself and I ignore the rest."
We need a financial audit bingo cause the amount of times “money isnt real” “i am a credit card person” “manifesting” is used needs to get put to use somehow
“This month was unusual” “My partner is the irresponsible one even though im an addict and have a shit ton of debt myself” “I see a way out” “Its not that bad” “Im better of than most people my age etc” “It could be worse”
Why do so many people think they have to go on a trip to celebrate a friend’s birthday??? This behavior is so prevalent and detrimental to finances. Is a cake, candles and ice cream beneath you? 😖😖😖
That’s what I say about traveling for bachelor/bachelorette parties. Like for real, most people CANNOT afford it, but we know several people have done this. That blows my mind that you would ask anyone to spend that kind of money to celebrate YOU.
I actually really loved this episode!!!! She was a little bit out there in the beginning but then took a hold of it, took responsibility, and came up with a fantastic plan that I feel she’ll actually stick to!!
Her comment of "I don't use autopay because I want to feel in control of my money" SCREAMS she needs therapy. She doesn't feel in control of her life for whatever reason, so will screw herself over to feel something.
@@Kinsale101 oh absolutely. But in response to Jane above, it's a false sense of control. Not having to worry with everything just going is soooo freeing! I hope she can get to that point. Cause she's not even paying rent or food! She can totally do this.
Watched until the end, and glad I did. This woman definitely got the wake up call she needed on her life. She has been living like a spoiled 15 yr old for too long.
I don’t think her girlfriend’s family are mistreating her if she’s only paying 200/mo in rent. I just think the girlfriend has bad financial habits just like her.
If you don't drive more than 8k miles per year and you never want to pay for maintenance or repairs you can long-term rent (lease) a car and just get a new one every year or two. I personally don't do that, but I work on cars as a hobby.
She just wants a brand new car. I saw a thread once where someone was complaining their 2020 car was old and had to be replaced and its like... you know cars last longer than 3.5years right JFC
@@jadiecakes3241to add to your point my dad had a 93 toyota pickup, that thing refused to die, it only went kaput a year ago and it took the entire engine bay going up in flames before it gave up (nobody was hurt). thats 30 years. obviously its not like it never needed repairs now and again, but the point is you can make it work if you want too, there are ways to have vehicles LAST.
Congratulations! When you get to the point that a car repair is something you can pay cash for, the feeling is such a high. Your life goes from sheer panic to "its just a speedbump"
I remember the day that I made a deposit into my savings account and I had a comma in the total. I had hit $1,000.00 in savings. My next goal was 2 numbers in front of the comma. It is weird how much of a high that gave me.
'Manifesting' is an excuse to do two things: Make a wish and hope your problems go away, and secondly blame either everyone else for your wish not coming true or (worst of all) blaming yourself for not wishing hard enough. Both scenarios stop people doing actual real work to improve their lives.
I see the value of "manifesting" if it's "I'm picturing this good thing happening so it seems real and achievable and it will help motivate me to take the steps to make the good thing happen". But those action steps are still the main key!!!
Visualization is what looking for manifestation is just think what want and trying push the world into give what want 😅without make effort to make it happen just think hard and say I want I want I want it 😂 nope visualize what you want think 🤔 it out then take action to make it happen where you can
Nah that’s just being out of touch reality. Manifesting only “works” when you put the work in. It’s just a positive thought reinforcement IF used correctly.
I have a 2019 Civic that I use to Uber/DoorDash/Lyft on the side and I can tell she probably doesn’t even change her oil or do any maintenance on hers lol
Caleb's channel may be inadvertently amassing real data on just how well manifesting works in the financial world. I'm beginning to see the connection after viewing many of his helpful videos. Manifesting money, it seems, ensures that you will not only lose money but that you will lose money 10 fold. That's real science. Thank you Caleb.
@@AtomicDimension Stop making excuses for people's shitty behavior. This absolutely is not normal, even at 21. Another member of the "calling out reality and insisting on accountability is patriarchal meanness" brigade. You and this guest are absolute children.
@@AtomicDimension No excuse, I was a university grad by then with zero debt. 3 years later I was a homeowner. next year I hit a 100k income. Never make excuses for idiots.
@@11BscoutNG I’m super lucky too, I locked my mortgage rate in at 2% and I literally couldn’t rent a room in somebody else’s house for my monthly payment 🫶🏼
We love you Caleb! The financial audit saved my finances. I am debt free first time in my adulthood (I am 30) with a 6 month of emergency fund!! I can start investing soon 🎉🎉
She seems like an unbelievably sweet girl. I wish her the best, honestly. Some people have enough " tough love " in their life from just growing up. She only needed sympathy and a better example.
I have a girlfriend who use to think like this. It doesn’t take much to show them how they are delusional……..the hard part is getting them to think about it.
Thank you for dialing it back a bit with the thumbnails, love your content and the work you do, thanks for helping me develop a healthy perspective with personal finance
Started watching this show April 2024. It made me realize how terrible my mindset was! Next month I’ll be done paying $10,000! No more credit cards. Thank you Caleb and team!
I have to say i kinda wish people would ease up on her like yes her mentality was bad at first but by the end of the episode she is one of the few people who it seems had an actual change of heart
Very true, seemed like the wake up call she needed. I mostly see people having a laugh about some of the wilder quotes but it could definitely be taken negatively. Hopefully she can turn it around and live a great life.
Agreed. She is young and mislead. She came on the show to help herself despite that. She was actually one of the better guest to come on and her situation made me sad because she seems sensitive.
This one took a wild turn. As long as she stays with her gf she can get out of all this. But if they break up she’s completely screwed. $250 rent, no utilities, no food. If almost any of that changes she’s totally f’d.
TikTok and Instagram is killing people's inteligence by the minute! 15 years ago NO ONE would say money is not real or whatever non-sense she is saying about it. This is 100% spiritual online coaching.
A man was drowning in a raging river. He said, “God, help me!” A moment later, a fisherman came by in a boat and said, “Here! Let me pull you in!” The man said, “No, thank you. God will save me.” So the fisherman left him in the water. When the man drowned and died, he got to Heaven and said, “God, why did you not save me?” God said, “Dude, I sent a boat.” Someone needs to tell her this story. Insert God with “the universe” or her crystals or whatever else she believes it.
Never seen anything regarding Caleb, one of his videos randomly popped up in my feed….on my 4th one now and will subscribe. I have to admit these peoples debt situation and causality about it are legitimately giving me anxiety. I do not understand their complacent attitudes, their ridiculous excuses for why they are where they are financially. Pay your bills and stop spending money you don’t have on things you don’t need. God bless Caleb for tackling these people, I couldn’t do it.
This episode ended on such a positive note. One year and she turns her life around. Girlfriend can turn her life around too (work more, share future apartment). Hopefully she takes this to heart. She can break her “curse” and not live by the whims of fate.
wtf her civic is only a few years old and already has over 100k miles and she still owes $19k on it. She got majorly ripped off on it. A new base civic is almost that much
No, she just bought it during the historically worst time in history to buy a car. Everything was overpriced on the market. I feel her pain. Def got screwed by the dealer, but doublefold cuz it was a bad time to buy.
@@elell7971 I agree with you that the car market was terrible and prices were overinflated. But fact is she bought a car with over 100k miles in just a few years of use at a price close to the MSRP of a new model (assuming it’s the base model). Now the car doesn’t work and she’s blaming it on Hondas being unreliable.
@@DemVidzIsMineTo be fair none of the new cars are as reliable as they once were. There's no reason for a ECU/PCM to fail after 6 years. I haul cars and I've come across more late model Honda SUVs than anything else sadly. Even 3 years into the new Tundra and Toyota is still having crankshaft issues with the TT V6.
I spill the tea about my past AND my producer forces me to play the trombone for the first time in YEARS in today's post-show: th-cam.com/channels/Le_q9axMaeTbjN0hy1Z9xA.htmljoin
I absolutely love that you play trombone. I have played trombone for the past 15 years. Unfortunately, i was in a car accident, so i can no longer play. It is so good to see a fellow trombonist who loves music so much. It may not be a main character instrument with parts written for it, but it is important. I was in a trombone choir for many years. I miss it so much. Have you thought to play in a community band in your city? It is a great way to keep that music alive and play music with a ton of great people! Never stop playing!
Fabulous!
Caleb looks like a trombone player. Super cute 😍
@@Madamchief Trombone ! In High School the band instructor encouraged everyone to play the trombone, and "play hold that tiger", the football pep song. So my brother practiced hold that tiger every day.
@@cubiczirconiabeard5366 that's awesome 😂 trombone is the most fun!
I hate it when my generational curse makes me go on vacations.
I chuckled. 🤭
Top comment.
😂
We wuz kaaaangs and shiet bruh
I wish that was my curse, I need a break 🤣🤣
Saying she’s alone and doesn’t have anyone to help her whilst living with her girlfriends family and using their car every day is crazy
I was thinking the exact same thing like bruh you’d be homeless and unemployed without them ..
It is easier to blame others than yourself, because once you blame yourself, you actually have to take responsibility and change the situation
Yeah :/
That was my immediate thought as well. Like girl, even if you might not be close to your family, it definitely sounds like you have support from those around you.
You can feel alone and still have a lot of people around you.
“You can’t afford to get drunk” is the best advice I’ve heard for a while.
Nobody ever could afford to get drunk
The reason I keep walking past the wine isle
57:43 ”Be gay in your own house it’s free. You don’t need to go to a club for that” 😭😭😭
Who doesn’t know someone who needs to hear this? 😂
Damn.... I been paying the gay tax for 12 years and it turns out it's free to be gay?
To be fair there's some segment of gay people who don't know it's a bad idea to have piss orgies with 50 strangers.
best quote on this show😂
Clubbing is biggest waste of money even if you have to cash to do so. You spend so much just for dancing and music and alcohol. Like I do go clubbing, in my basement with a bottle of what would be the same cost per drink out at club.
1 year of Caleb, started 12k in debt, now 15k positive and ZERO debt! Get a side hustle!
I lol'd because i expected 15k debt. What a bait n switch. Congrats.
Start investing and make your money work for you
Congrats I’m in that much debt right now (12k) what’s your side hustle??
Way to crush it. Great job!
Congratulations 🎉
I kept saying, “she’s 21.” But at 21 I wasn’t doing this. Girl, get multiple jobs and live poor! Youth is on your side. Hell I got a road job at a railroad. Stop acting like you’re better than hard work.
Was just thinking that myself. I would never survive a second job today but at her age I was working three jobs, living with roommates and eating ramen 5 nights a week and yet I had energy to get into all sorts of youthful hijinks. This is the age to hustle!
She doesn't even need a second job! Witj the money she wastes on cigarettes, the clubs, insufficient funds fees, and Door Dash she could save plenty to put towards all of her minimum payents and even closing some accounts.
Yeah at 21 I had just gotten a 25k loan from the bank of dad to buy my own small business I already worked for but I made the most of my good fortune. I was hustling and living poor to pay business overhead at a physical trade job 50-60 hours a week at least plus babysitting/nannying some evenings and weekends to work towards saving for a home down payment. It was EXHAUSTING even though I was young but now at 42 it has paid off and I don’t have to hustle like that anymore which is good cuz I don’t think I’d survive that now lol. Some young employees I’ve had, had her attitude and I tried my hardest to be a Caleb for them but not sure it worked.
Yeah, hard work doesn’t get easier the older you get.
At 21 I was working three jobs cash in hand and living on the cheapest rent I could find and travelling overseas on the money I saved in the bottom of my laundry basket whenever the pile got big enough!
"positivity is not a bad thing but when it blinds us from reality, that's where it starts becoming dangerous." That's a profound comment if I ever heard one.
Petition to have Caleb sell this on coffee mugs for his merch store!
I work in the er as a nurse. Before that I worked as life flight medic. It's sad to see patients over years get fatter , smoke more, not control blood pressure and blood sugar. The would call 911 when they couldn't breathe, were having chest pain etc. We would get them stabilized. They would be back in 7 to 10 days same problem. Eventually they would be too sick to save. I would hear their family saying "it's so sad, they were so healthy and so young" people live in fantasy land
Toxic positivity the phrase
Too much of anything, even a good thing, is a bad thing.
She needs to feel bad otherwise she's not going to change. It's not harsh, it's reality.
"BE GAY IN YOUR OWN HOUSE, IT'S FREE" has to be the top line this audit
If someone ever makes a montage of the best FA lines, this better be in there 😂
A lot cheaper than painting and re-painting crosswalks.
I laughed out loud on this =-)))
I need this line on a T-shirt
@@NoeleneOray2 I feel like it'd be misunderstood.
I agree what he says about mental health. I have ADHD, been diagnosed with Major Depressive Disorder, have an eating disorder and what I have learned is this: I am my own responsibility. I am the ONLY one who can decide to be better. I can not use my mental health as an excuse to get out of anything. It's unfair towards the people around me and it's unfair towards myself
same. that's why i'm single.
Autism with psychosis and ptsd. Still hold a job and work and pay my own bills. I have a car a place of my own. I came up short for the first time ever recently due to three employers refusing to pay me for work done and having to live off savings for 3 months. What did I do? I said fu to them stopped trying to get blood from a stone and got a job with a temp agency, until I get my insurance license issued so I can work in that field(something I've always wanted to do, since 20). Once my license is issued I have two job offers in hand. One with a major regional agency another with a large national insurer.
"The times I caused the greatest harm to others.... were when I was not taking care of myself"
It frustrates me when people use it as an excuse to give up. I spent 14-24 doing this. Finally out my head to getting the right help and am now on the right medications to finally feel stable and act responsibly.
Took the day off of work, ordered some DoorDash using my 36% compounding interest credit card, and just took a mortgage out under my kids name. I’m ready for this episode
If you have time stop paying for your car and buy a new one in your Mom's name.
But it’s ok because money isn’t real!
I hope your card was over its limit and in your kids name.
Should have added that the day off is unpaid.
Don’t forget to take a vacation to Puerto Rico to forget about being behind 2 car payments/credit cards, being homeless, and having $0 in your bank account! Don’t worry, it’ll come back around.
I’m realizing that as long as people are physically able to live as if they aren’t poor, they don’t feel poor and they don’t see the severity of the situation. She’d feel poor if she was under a bridge and counting pennies for lunch, but she physically can pull out a card and fly to Puerto Rico and she can eat at restaurants and live in a air conditioned home. She doesn’t feel poor, so she’s not acting like she is. But she’s mathematically much poorer than the homeless guy under the bridge.
My 38 year old daughter is disabled but is able to work part-time to supplement her disability check. (She caught an unknown virus when she was 2 that wrecked her immune system) She lives on $1,400 every month and feels bad about her position in life BUT she has no debt. In reality, that's a lot better than her friends who are able bodied and working full-time and drowning in debt. Zero net wort is better than negative net worth. When I explained that to her, she felt so much better about herself. (I bought a small house for her to live in and I don't charge her rent. She pays the utilities. I paid cash for the house so no mortgage.)
@@teresahunt5521that’s awesome, glad you were able to do that for her. And glad she’s doing her best to be a productive member of society working part time. 😊
@@maxhalley4373 Thank you. It took a long time to finish college because of her disability. When she got her first job in banking, she ran out and bought a new car. It got repossessed when she got sick again. She learned that lesson the hard way. We are now looking for a vehicle that will get her from A to B. The Rendezvous I bought her several years ago finally bit the dust. For now, we share my 09 Rav4. I drive it Mon morning through Fri afternoon and she drives it on the weekends when she works. She always works holidays. I never work holidays. It's not convenient but doable while we look for something.
@@teresahunt5521Thank you for being such a great Mom! It sounds like your daughter is a lovely person who has already thanked you, I just wanted to thank you as well. It's so nice to hear some positive. Thank you for that as well. Have a wonderful day!
@@teresahunt5521 just wanted to say your daughter is doing a great job and she shouldn't feel bad at all about her situation. And you sound like a great mum.
Honda Civic unreliable?! That is the most absurd thing I've heard. Im guessing she's neglecting the maintenance, cause those things last forever.
I had a civic. Bought it off marketplace. The seller installed the timing belt wrong which caused a cascade effect within the engine. I tried to fix it but eventually it was just better to buy a new car, this time from an actual dealership.
@@skyelindsey687 Sounds like that’s not her situation though.
@@ab-gail That's not MOST people's situations with a Honda or Toyota
@@skyelindsey687 most things will work incorrectly and break if things are installed improperly...
@@ab-gailThey’re giving an example lol
One thing overlooked is how entirely dependent she is on her girlfriend and her family. The family is basically enabling her behavior by giving her transportation, $250 rent, most likely food and other freebies living there. All it takes is one argument and a breakup and her life is literally in shambles
Well, she will just manifest a new, better girlfriend. 🙃
@@superbigblackdead😂😂😂
$250 rent is a DREAM as someone who lives paycheck to paycheck 🥲
She is Shameful exploiting others and trying to appear nice but I feel she is disgusting. I hope the throw her out. Such a child. Living off beauty entitlement.
@@superbigblack a large portion of Caleb's guests are trying to manifest a wealthy partner to save them.
The belief that things come back to you tenfold is when you are generous to others it comes back to you. Not you spending on yourself.
i literally thought this exact thing when she said that shit 😂
That's how you get taken advantage of.
@@Melonhome_ytreally depends on who you are helping out and being generous to
😂😂😂😂
@@rudy8409 True. Just gotta keep your head on straight and know the difference.
Refreshing to finally see someone take accountability and understand the situation. Been a lot of delusional clowns lately. Hope she succeeds
One thing is saying it, doing it is another
@@ronnie5329Everything starts by saying it and taking accountability tho.
Her generational curse was her mom never showing her what it looks like to be an adult and make adult decisions.
Sprinkle in fatherlessness somewhere in there
Bingo
@@snakejazzding ding ding
facts she also needs to stop taking her moms advice. my mom is in her 60s and still is poor blaming generational curses on her bad decisions. I was doing good til i moved in with her during covid and ruined my entire life. i would have been better off living in my car. Now im still paying for taking her shirt advice meanwhile she's homeless im saving money trying to get better and my old life pre covid back.
Haha
Getting a new car to avoid an $800 repair on a $12k underwater car - brilliant
INSANE, hahah.
My coworker did this. The AC was going out and had a big crack on the windshield.
Solution? New 35k dollar vehicle.... yeah that made sense to them somehow.
It's justification. People who do that want a new car but use the repair cost as justification. I know people who would do that. Even I catch myself in that thought process sometimes.
And to say a Honda isn’t reliable is crazy
And Hondas are reliable, I bet her GF has convinced to get new
It’s honestly sad to see how many people were not raised by people who taught them how to be financially responsible. This is why I feel it’s so important to teach this in schools. I’m so glad you made this channel!! I know I’ve learned a lot.
I was taught budgeting in school but it was in Home Ec. Not every student takes Home Ec. There should be a class that all students take.
genuinely THE BEST piece of advice i've gotten in all of K-12 was in my economics class when they told us to never use a credit card unless you're 100% positive that you'll be able to pay it off within a month. i think a lot of people don't realize that it's not free money and if you don't pay it back it WILL accrue interest and you'll pay way more in the long run
Yeah seriously tho, my mom would get mad at me, we’d argue, and she’d call me selfish for wanting to learn how and asking her questions. A lot of parents nowadays don’t want to see their kids actually do well/better than them. I’d even ask what I can do or where I can bring my car into get it worked on and shed be like “do you seriously need that?” “Does your car even have spark plugs” was another occasion and I was shocked 😂
They don’t teach it in school for that very reason. The system is a bunch of pieces that work together to keep us uneducated and dumb, not saying Hitler was a good guy or anything but he warned us all that this was coming. I’m just using that to share that this is nothing new, except our government, banks, corporations, media, and now social media are all used to condition and brainwash ppl. While the same ppl will defend the system and say you’re the bad guy for pointing it out. This is why they want us all on different pages and not having the courage to actually drop our beliefs too - It’s called the War on Consciousness, my channel actually about it bc it gets deep.
If this girl reads this comment- I’m an auto tech and don’t sell your car and mess your finances up even more. Your honda is just as reliable as a Toyota, one of the best cars on the market. Fix the car and drive until the recall. There’s very little signs of a “bad fuel pump”. Usually when it’s bad, the car won’t turn on. If the car turns on then it’s working and driveable. I think you’re convincing yourself you’re in a deeper hole than you actually are (car-wise).
And the cheap cash car you plan to buy will be older and come with potential issues, just like a bad fuel system or lots of wear and tear maintenance that will add up
Thank you for commenting this it helped me haha now I know for the future
Yup I've been dyno tuning and modding cars for almost 20yrs and you're spot on. Fuel pumps don't start going bad. Best to just throw in the money to fix the car. ECM going bad is possible but I haven't seen that to be too common with Honda. Toyota and Honda with basic maintenance run great for many years with no issues. 🤙
@@kunya16 Honda is the pinnacle of reliability (or at least used to be, but doubt it's decreased much). I've never understood anyone that says Honda is bad. Sure, it's not flashy for the most part, but they will last forever with just basic maintenance.
@@yaibas1well there is a recall for some sort of degradation that can happen to the fuel pump, but I believe there are other car brads affected by the recall. Honda doesn't build the fuel pump themselves. So taking the car to the recall when she gets the recall is a none issue.
A voluntary repo is not really a thing, it is just a regular repo where you don't get mad at the guy picking up your car lol
Yep. And they still sell your car at an auction for wholesale price (at best), and sue you for the difference. Not a great deal
You can take it to the bank too. And drop it off.
@@mowtivatedmechanic1172 You can but will still owe however much is left after the bank dumps the car at auction.
Yeah, but it's better than trying to drive your car off the tow truck.
@@Opethfeldt true, but that’s a pretty low bar 😂
If money isn't important to you, don't ask other people or the government for it.
Government is going to give you consequences tho, just another form of rape
It feels like this is most people in America.
"I don't know where all my money went. The world is against me. It's the government's fault."
5 minutes later
"I went on a vacation to Puerto Rico recently. It was fun."
inflation is a problem here, but after being a regular viewer of financial audit, i think many americans are making it harder on themselves.
At least I had the money, some people will also say
Don't forget about the immigrants.
@@juanvaldez7279 Being replaced in our own freaking nation is a problem you monster!
Technically, 40 year high inflation is the gov fault.
Has no money? Lives with girlfriends parents, uses parent’s car, doesn’t pay any bills and thinks it’s just going to go away. No money but goes on vacations, buys clothes, eyelashes, fast food, goes clubbing, etc.. this is not the world’s fault, this is all on her.
You're wrong, she said it herself, she is being kept down, no amount of effort on her part can fix that
Those parents enable the shit out of the bum girlfriend
Lack of accountability, thy name is modern woman.
yeah, but tiktok says other wise 😵💫
oh oh oh oh she's a princess.... heard the theme song when I saw that. She's leeching off others and needs to get cut off and clean up her act. No b*tching, no whining!
“Why would you spend money at a gay bar, when you can be gay at home for free?!”
😂 best line
Or Dave ramseys advice , "don't even see the inside of a gay bar unless you're working there "
Caleb saying “Your world view has failed you” sounds like some Obi-Wan to Anakin dialogue
Caleb has the high ground
You supposed to pay the debt 💸 not go broke you become the thing you swore to destroy 😂
@@Mrmysterious-dj1ovFrom my point of view financial freedom is evil
@@mintavious you have done this to yourself 😂
You're either going to pay for me, or your my enemy.
When Caleb talked to her about world views and about her mattering, that was the first time I’ve actually cried during an episode. You can see how much he genuinely cares about people, their finances, and their futures. Keep doing what you’re doing Caleb you’re changing lives.
This Caleb is the Caleb that got me to subscribe. This Caleb is the Caleb that is so valuable to the world.
Why would that make you cry?
@@stephenshelton4267 obviously because it emotionally resonated with them?
Yeah that moment might be the most I've ever respected the guy. Strong speech.
In one year my wife and I paid off over $35k in credit card consumer and auto loan debt. Now we are sitting very nicely with just a mortgage at 2.8%. Stacking money towards our emergency fund. In the next 5 years we will have a healthy retirement account on our way to paying off our home.
Pay off the home before stacking a retirement account.
@@mowtivatedmechanic1172 if I had a 6% mortgage rn I would be.
@@mowtivatedmechanic1172 no, bad advice. Market historically even at a conservative 7%, outpaces the crap of a 2.7% interest on a house. Retirement will compound better and the equity in the home is a LOT less flexible if they split some of that money into a brokerage or even a HYS at 4.5 to 5%
@@mowtivatedmechanic1172 hell no. At 2.8% put the bare minimum on that. That money will generate more in an investment account.
"I don't like it when money comes out of my account" GIRL what a line
I know!! 🤦🏽♀️ 😂😂😂😂
And I thought I was bad with money and I'm a drug addict...
It just disappears .... Poof!
Yeah, if it comes automatically, then... I can't "forget" about it and spend that money elsewhere.
FFS
I feel that I hate seeing money go out of my account but it's literally a part of life like I had to get over that, also with that being said it made me more aware of what I was buying
Generational curse? Gotta carry madame Zeroni up the mountain.
The way I spat out my drink when I read this
Top 5 favorite TH-cam comments of all time
10/10 comment
Lols this comment!!!
She stepped under a ladder, walked past a black cat and broke a mirror guys. It’s not her fault- she got 7 years of bad luck!!
The generational curse is irresponsibility and ignorance breeding irresponsibility and ignorance. Until someone breaks that cycle it will perpetuate indefinitely.
She has put herself in an incredible dangerous situation where if she and her girlfriend break up she is homeless, will shortly be jobless as she can't work from under a bridge, has no transport to go to the office, and being unable to pay her car bill that will be repossessed. She fucking better make that relationship work till she learns to stand on her own.
That gives me second hand anxiety to think about this level of dependency.
She won’t. She will be homeless and on drugs at this rate.
You can just say she’s incompetent
I clocked that too. Its probs a big reason why she doesnt ask for her money back. She feels she owes the family already
This is how a lot of people get stuck in DV relationships. The abuser knows that the victim has no choice but to stay with them so they feel they can do whatever they want….and many times they can because the victim is afraid of their own financial consequences.
I am many decades into adulthood, and I often don't feel very mature. Then I watch videos like this and here I am adulting all over the place.
But to be fair, she is very young
@@oz_jonesYes, she is.
Yup, she makes enough money to pay her bills/debts if she really wanted too…She’s just been choosing travel, vacations, going to clubs and having fun over paying her bills.
Then says it a “generational curse” that she doesn’t have money. 😂😂
Hope she eventually grows up soon and starts taking some personal accountability.
Same af 😂
@@oz_jonesna. Not an excuse
i made so many bad financial moves in my early20s, but thankfully(?) it was due to duress + not knowing my other options as opposed to choosing to make dumb decisions. at 28 now i’ve got my emergency fund, just over 2k in investments (not much but i’m not in debt anymore so it’s only gonna grow), credit score is still in the garbage but i have 1 more year until the old collections come off and i haven’t made any bad decisions since, so i feel confident in myself going forward. we can all do this no matter when you start!!
Caleb is giving legitimately insightful relationship advice, and I'm here for it.
Watch out, Dr. Phil.
“Money’s not real.” “It could be worse.” Oh boy, here we go again
She just activated his trap card
Unrelated. At a quick glance I thought this read: "Montreals not real. It could be worse."
Grab those bingo cards everyone
Whenever I hear someone use the word "manifest," I know it's going to be an interesting episode.
It’s so predictable we could make a very structured and planned drinking game around these current episodes lmao
Why do these people who believe in make believe ideologies like astrology and manifestations always want to be psychologists and counselors? These are the worst kind of people for that
I've learned in psychology is it's their way to cope. Feeling that changing something in the exterior will heal what they feel inside. Lots of patterns that lead to internal conflicts that they are crying for help but see it as venting.
😂😂😂 right? The blind leading the blind!
As someone with multiple mental illnesses, I've met plenty. They suck at their jobs.
He’s much more effective when he actually has a conversation with a guest and actually educates them. This was a fantastic episode. Much better than just yelling and yelling..
Helps when the guest is actually receptive
well when they don't listen....
Bro I'm 22 minutes in and he has stopped yelling, I was counting just for goofs the times he interrupted her and I got to 30 something like 10 mins
I was literally scrolling through the comments just now to see if anybody else mentioned how annoying he's being in this one. I'm beside myself that you think that of this particular episode
@Drivesfastlikescats people in financial situations like this are usually deeply in denial of how bad things are. He tries to break through that denial and force them to actually see how bad their situation is so they will improve, you can't do that quickly without being aggressive. They know they're coping and throwing out flimsy excuses, and he knows it too, so he interrupts and ignores those
When a guest cries, my hope for them skyrockets! YOU GOT THIS!!!
Yeah, means they understand.
I love that he notices that she’s taking this hard and talks to her calmly. Ngl I’ve watched a bunch of these and this is one of the only videos where the person actually look like they feel bad for her situation. And it’s nice that he is gentler with her because of that.
"My girlfriend is not helping much" - I wasn't aware she was responsible for you.
And the GF's parents house them and let them use a car for free bc her car is broken and her gf totaled her own car. So, the car she NEEDS to get work and the house that's keeping her from being homeless is not much help at all. None at all. Talk about Delulu.
But she said she wants to get married, so getting on the same page regarding finances *BEFORE* getting married is pretty important
lol when she just said she lives with her girlfriend's parents - she is extremely lucky they are so nice - I don't know why her girlfriend's parents are being so generous to her honestly, free loader
@MissMosierable if she just slept at her job she wouldn't need a car or a house. So because she could be homeless as an option, housing isn't useful. 😂😂😂
@@carlariggs525 apparently the GF isn't much better. A fully grown adult in the workforce shouldn't be working 15 hours a week.
An hour and 21 minutes?? Gonna need an extra sweet treat to make it through this one.
IT'S A BIG ONE
Mid show taquito run for sure!
Gobble my Glizzy then Ricks
I’m gonna need a few glasses of bourbon to make it through this one…
x1.25
"Your worldview has failed you" is the coffee mug I desperately need.
The first thing your counselor will tell you when you are depressed and have mental stuff is to get up in the morning. Take a shower make your bed and go to work. Because every action you complete is a little win and when you stack up all those little wins. Your mental health improves.
Thank you for this post. I've heard this before and know it to be true but depression made me forget so I really appreciate you taking your time to send this.
So true. For me it’s a “everything counts” mentality. Could I choose to not make my bed or wash my face when struggling? Yes, but I know that doing things will provide better peace of mind
“I don’t want to be indebted to people.”
Um, chickie pooh, that is exactly what you choose to do.
Well, mostly to corporations who will send her to collections and sue her… I guess that’s better, right? 😂
Chickie pooh 😂😂😂
Not accurate at all.
@@Choc0change Can you explain how?
After all choices are *not* made through words, but the result of deliberate action (or inaction).
E.g.: If somebody chooses to have intercourse - especially without contraception, they are deliberately accepting the risk and the potential consequences arising from that risk.
If the consequence happens to be pregnancy, then it was the direct result of that person's deliberate action.
It was their choice for that pregnancy (to be possible) to happen, no matter how often they used their words to insist that they don't want kids.
Note: I'm not using this example to make a moral point about that particular choice or to suggest any particular way to handle the consequences.
It's just an example of how words are shallow and meaningless, it's your actions that define your choices.
Only your actions change reality, empty words will not.
@@Choc0changeIt absolutely is.
Payday loans were one of the worst decisions I ever made. I knew it was malicious, I knew they were predatory, but I thought I could handle it, and I was wrong. One loan turned into two turned into me using other loans to pay other loans, it quickly becomes a horrible situation, I'm still paying them off but I at least managed to get out of the cycle of taking out loans constantly to pay other loans. DO ANYTHING YOU CAN TO AVOID THEM, PLEASE, DO NOT SCREW YOURSELF OVER LIKE I DID.
She didn’t want to take $800 from them to get her car fixed because she said she’d figure it out, but then she is driving someone else’s car indefinitely. So she’s still accepting help in a different way.
Yeah the amount you “owe” them for borrowing the car is going to end up being higher than it would be to just pay to get the car fixed (just because they aren’t directly giving money) and you still need to fix you car in the end.
Yeah and in a more annoying way. I'd rather give someone $800 to fix their own car then have them drive around in mine everyday risking crashing my car.
I’m a teacher and CALEB you should design and sell a personal finance high school curriculum. It’s scary how ignorant kids are of the most basic things like interest rates. We are *desperate* for one that is up to date with the current economy.
I second that motion!
Yes I agree with this fully 100 percent
I’d get that for my kids in a heartbeat. I’d also gift it to other kids as a graduation present.
Personal finance was a mandatory class at 2 of 3 high schools I went to from 2014-2018(my family moved around a tad). They were both crappy schools in the boonies. We learned how to budget, how to not die under a pile of credit card debt, and even how to file taxes by hand. I don't think anyone but me paid attention. We are taught in school, but nobody cares.
Here me out.
School does a fundraiser to purchase the already existing budget program (maybe caleb will offer a discount for a group/high school students).
Students do an exit program where they pick a Career. Find the salary, what secondary school (if any), and what locations are hiring for that position. A kid could build a fake budget with a bunch of plug in #s. Could ask parents what the food budget is, how much utilities are, phone bill, etc.
Ugh the social media brain is exhausting
“Manifesting , generational curse, so spiritual, it’s a mindset “ 😭
She’s not going to ask her gf to pay her back for the trip bc she feels indebted to her gf’s parents for non existent rent.
@@maureenviola I caught on to the part too smdh
And it’s probably been implied that if she does then she loses her home and safety.
She takes trips all the time and pays for them with high interest credit cards. Also smokes and goes to the club all the time. And she blames her poor finances on a general curse? Take ACCOUNTABILITY girl! Grow up!
The government literally gives tax breaks to get them hired, colleges literally accept em with lower scores than their peers.
Everyone already bending over backwards to try to get them to be successful.
And yet here we are.
I’m only 4 minutes in, and I’d bet her plan is to meet some guy who has money who will pay off all her debts and pay for her to live.
I was way off, lol. My gay-dar failed! 😂
Accountability, the kryptonite of modern women
@@YouMissedBrono modern young Americans
This video is amazing because this young woman really does manifest money, but she doesn't take it. Like her girlfriend's parents offered to pay for her car repair, she turned it down. Caleb literally was like, "What would motivate you to stop smoking?" She could have said, $1,000 and he probably would have given her at least $500. Like I'm not saying manifesting works, but it doesn't work great when you don't see it's happening and don't take advantage!
Thanks to Caleb hammering on about the importance of an emergency fund I started socking away some money in a saving account. This week I had to take my cat to the emergency vet. It was stressful, but since I had an emergency fund I didn’t have to grab one of the Care Credit pamphlets they had in the waiting room and I paid the whole bill on the spot without having to put anything on my credit card.
My cat is doing better and thanks to Caleb’s good advice my finances are too!
❤❤❤❤
Doesn't it feel fantastic?
First 2 seconds. Hearing "spiritual" I know this is gonna be a caleb pulling his hair screaming episode
I may as well be bald after this one
Why do you donate money to the rich? Just tryna understand how your brain works
@@itskelohh8173Why do you ask stupid questions? Just trying to understand how your brain works.
@@bama2405did that comment make you feel better
Whenever I hear "spiritual", I just automatically assume that means "I pick and choose extremely specific quotes from the Bible or other religious text that makes me feel better about myself and I ignore the rest."
I want to give her a hug. I really really am rooting for her!
We need a financial audit bingo cause the amount of times “money isnt real” “i am a credit card person” “manifesting” is used needs to get put to use somehow
I did make one, but i forgot to save it :)
“This month was unusual”
“My partner is the irresponsible one even though im an addict and have a shit ton of debt myself”
“I see a way out”
“Its not that bad”
“Im better of than most people my age etc”
“It could be worse”
@themurderbotfeed7688 the my month was unusable should be the free square
"To be honest" "Well the thing is"
“Wont closing it affect my credit”
“I’m better now”
“That was before -“
“I don’t know if I even want to do this career I’m in school for”
Why do so many people think they have to go on a trip to celebrate a friend’s birthday??? This behavior is so prevalent and detrimental to finances. Is a cake, candles and ice cream beneath you? 😖😖😖
Totally agree...the FOMO is overpowering too many people nowadays...
It's bizarre to me, I've literally never met/heard of/know anyone who has ever travelled for someone birthday.
But what will they post on social media?! I agree, it's ridiculous.
That’s what I say about traveling for bachelor/bachelorette parties. Like for real, most people CANNOT afford it, but we know several people have done this. That blows my mind that you would ask anyone to spend that kind of money to celebrate YOU.
@@cooker-q4x YES. I was thinking the same when I originally responded!!
She’s endearing. Looking forward to see her improve her situation
This is the best interview in quite a while in my opinion. She seemed quite receptive to criticism once it sunk in. Hope the best for her!
The amount she paid in overdraft fees, she could have gotten her car repaired.
I actually really loved this episode!!!! She was a little bit out there in the beginning but then took a hold of it, took responsibility, and came up with a fantastic plan that I feel she’ll actually stick to!!
Her comment of "I don't use autopay because I want to feel in control of my money" SCREAMS she needs therapy. She doesn't feel in control of her life for whatever reason, so will screw herself over to feel something.
I put my bills on autopay and have never felt more in control of my finances.
Yet she wants to be a therapist.
Naw I get what she means. Its psychological, i like to maybe my subscriptions automatically buty big purchases are paid manually
@@Kinsale101 oh absolutely. But in response to Jane above, it's a false sense of control. Not having to worry with everything just going is soooo freeing! I hope she can get to that point. Cause she's not even paying rent or food! She can totally do this.
@@MissMosierableit's more common than you think. Broken people gravitate towards psych so they can "understand themselves"
Watched until the end, and glad I did. This woman definitely got the wake up call she needed on her life. She has been living like a spoiled 15 yr old for too long.
I don’t think her girlfriend’s family are mistreating her if she’s only paying 200/mo in rent. I just think the girlfriend has bad financial habits just like her.
Wow this really turned around, was not expecting that. She really started being honest and opening up. I feel optimistic for her
Cars break down and you fix them. You don't solve your problems by getting another car and ignoring the debt you created with the old car.
I think I have seen a few audits where they do exactly that 😵💫😵💫😵💫 just fix it jeez
If you don't drive more than 8k miles per year and you never want to pay for maintenance or repairs you can long-term rent (lease) a car and just get a new one every year or two. I personally don't do that, but I work on cars as a hobby.
I traded my jeep because of the death wobble. I broke even
She wants something more reliable but her Honda Civic is already one of the most reliable cars out rn
I’m so happy someone else said it. Like Honda Civic? It’s $800 FIX IT
Not only is she financially stupid. She's car stupid as well
She just wants a brand new car. I saw a thread once where someone was complaining their 2020 car was old and had to be replaced and its like... you know cars last longer than 3.5years right JFC
@@jadiecakes3241to add to your point my dad had a 93 toyota pickup, that thing refused to die, it only went kaput a year ago and it took the entire engine bay going up in flames before it gave up (nobody was hurt). thats 30 years. obviously its not like it never needed repairs now and again, but the point is you can make it work if you want too, there are ways to have vehicles LAST.
@@jadiecakes3241 Not with the way young people take care of cars. Most of them dont even put oil in the car
I saw another comment like this but 1.5 year of watching caleb i started with 18k in debt and now im about 29k net positive it feels amazing
Congratulations! When you get to the point that a car repair is something you can pay cash for, the feeling is such a high. Your life goes from sheer panic to "its just a speedbump"
Nice!!!!🎉
Amazing!!!
I remember the day that I made a deposit into my savings account and I had a comma in the total. I had hit $1,000.00 in savings. My next goal was 2 numbers in front of the comma. It is weird how much of a high that gave me.
That's amazing and so motivating
'Manifesting' is an excuse to do two things: Make a wish and hope your problems go away, and secondly blame either everyone else for your wish not coming true or (worst of all) blaming yourself for not wishing hard enough.
Both scenarios stop people doing actual real work to improve their lives.
Yes! I really hate hearing people say that they manifested something.
I see the value of "manifesting" if it's "I'm picturing this good thing happening so it seems real and achievable and it will help motivate me to take the steps to make the good thing happen". But those action steps are still the main key!!!
the manifestation mind set can be good but actually saying "I manifested it" should happen AFTER the thing actually happens
Visualization is what looking for manifestation is just think what want and trying push the world into give what want 😅without make effort to make it happen just think hard and say I want I want I want it 😂 nope visualize what you want think 🤔 it out then take action to make it happen where you can
Nah that’s just being out of touch reality. Manifesting only “works” when you put the work in. It’s just a positive thought reinforcement IF used correctly.
Her saying "something more reliable than a Honda" is so funny. One of the most reliable car brands on the market
I have a 2019 Civic that I use to Uber/DoorDash/Lyft on the side and I can tell she probably doesn’t even change her oil or do any maintenance on hers lol
Seriously! They are indestructible! Saved me so much money, I was able to save for a house thanks to it.
Acting like because a car is a certain brand that it won’t need maintenance lol
I have a 1998 Honda and its super reliable 😂
She's more of a Mitsubishi type of girl 😂
Just found this guy and I love this so far, we need more of this in the world
I say it all the time -- Mental health issues can be an EXPLANATION for bad behavior, but are rarely an EXCUSE.
10000% right!
I love that he just instantly shuts down excuses with pure logic, and then they can't fight back on it lol
Caleb's channel may be inadvertently amassing real data on just how well manifesting works in the financial world. I'm beginning to see the connection after viewing many of his helpful videos. Manifesting money, it seems, ensures that you will not only lose money but that you will lose money 10 fold. That's real science. Thank you Caleb.
This is a prime example of what happens when "YOLO" your life away with no self-control and discipline with money.
Omg... She's only 21... Nobody is THAT responsible when 21...
I wasn't super smart and responsible at 21. But for sure, I wasn't this reckless with money.
@@AtomicDimension Stop making excuses for people's shitty behavior. This absolutely is not normal, even at 21. Another member of the "calling out reality and insisting on accountability is patriarchal meanness" brigade. You and this guest are absolute children.
@@AtomicDimensionnobody should be THAT stupid at 21 either
@@AtomicDimension No excuse, I was a university grad by then with zero debt. 3 years later I was a homeowner. next year I hit a 100k income. Never make excuses for idiots.
Free from all debt but my mortgage now 🥳
Never felt happier. Thanks for kick up the butt we need Caleb ❤
WOOOOOOOO
Congratulations!
Everyone is proud of you❤
Congratulations 🎉
@@11BscoutNG I’m super lucky too, I locked my mortgage rate in at 2% and I literally couldn’t rent a room in somebody else’s house for my monthly payment 🫶🏼
I absolutely lost it at "be gay in your own house, it's free!" Damn near dropped my phone and choked on my sandwich I was laughing so hard 🤣🤣🤣
We love you Caleb! The financial audit saved my finances. I am debt free first time in my adulthood (I am 30) with a 6 month of emergency fund!! I can start investing soon 🎉🎉
Holy crap you're in a great place 🙌 get your retirement going.. I'm 10 years behind you but turning my shit around thanks to Financial Daddy
She seems like an unbelievably sweet girl. I wish her the best, honestly. Some people have enough " tough love " in their life from just growing up. She only needed sympathy and a better example.
I am going to say it again but thank you for doing that. I can see that you genuinely want to help people and it's very important what you are doing.
I have a girlfriend who use to think like this. It doesn’t take much to show them how they are delusional……..the hard part is getting them to think about it.
You’re dating mental illness
They Don't think and that's why you can't keep them around. Marrying a woman like this is a recipe for financial ruin.
Caleb really did a fantastic job of talking this guest out of their magical thinking and into grappling with the reality of the situation. Masterful!
19 GRAND for a used Honda with 120k on the clock?!?
Someone was grinnin alllllll the way to the bank!
What an idiot. “But I need a car!”. Girl you broke as hell! You deserve to drive a shit box at this rate.
"Be gay in your own house!! It's free!!"
We need these zingers on t-shirts lol
We do?
Thank you for dialing it back a bit with the thumbnails, love your content and the work you do, thanks for helping me develop a healthy perspective with personal finance
She had me pissed to begin with ! But she really has me rooting for her at the end. I truly hope she pulls this off and turns her life around!😊
Started watching this show April 2024. It made me realize how terrible my mindset was! Next month I’ll be done paying $10,000! No more credit cards.
Thank you Caleb and team!
Nice work!
I have to say i kinda wish people would ease up on her like yes her mentality was bad at first but by the end of the episode she is one of the few people who it seems had an actual change of heart
I was thinking the same
She was literally so receptive.
Very true, seemed like the wake up call she needed. I mostly see people having a laugh about some of the wilder quotes but it could definitely be taken negatively. Hopefully she can turn it around and live a great life.
She’s 21 and her mom taught her money isn’t real. She is so in need of good guidance, and I’m rooting for her to follow it!
Agreed. She is young and mislead. She came on the show to help herself despite that. She was actually one of the better guest to come on and her situation made me sad because she seems sensitive.
Bless this woman for really waking up to be honest Caleb you are doing gods work. Caleb thank you for everything you do.
This one took a wild turn. As long as she stays with her gf she can get out of all this. But if they break up she’s completely screwed. $250 rent, no utilities, no food. If almost any of that changes she’s totally f’d.
TikTok and Instagram is killing people's inteligence by the minute! 15 years ago NO ONE would say money is not real or whatever non-sense she is saying about it. This is 100% spiritual online coaching.
are*
The manifesting killed me 😂😂
Given she inherited this mindset from her Mother it’s obviously been around for decades
@@Amy-uu1wcreinforced by morons online
@@Amy-uu1wcsocial media has just made it easier for the randoms to spout the nonsense, you used to have to pay for 3am paid programming time 😂
Both Honda and Toyota are top tier when it comes to reliability. Keep the Civic girl.
I want to see the post show but Caleb has taught me better than to spend that money 😫
You have passed the test
Right
I literally said the same I can’t afford the 5.99 until I finish paying my debts
Same😢, but we must stay strong. We can come back AFTER debts are gone
Let's start manifesting ✨✨personal responsibility✨✨
Manifesting reality, ouuuuuu✨✨✨
I need that on a t-shirt
Good one 😂
Absolutely! Personal responsibility is what most people don’t understand. To be in this kind of debt and only 21 years old. 😢
A man was drowning in a raging river. He said, “God, help me!”
A moment later, a fisherman came by in a boat and said, “Here! Let me pull you in!” The man said, “No, thank you. God will save me.”
So the fisherman left him in the water.
When the man drowned and died, he got to Heaven and said, “God, why did you not save me?”
God said, “Dude, I sent a boat.”
Someone needs to tell her this story. Insert God with “the universe” or her crystals or whatever else she believes it.
I love the result by the end so much. Finally a show that feels like it made a difference in someone's life
I went from 8k cc debt to a mortgage and no debt and 10k in savings for an emergency fund and these videos are so motivating
congratulations!!
👏🏻
Never seen anything regarding Caleb, one of his videos randomly popped up in my feed….on my 4th one now and will subscribe. I have to admit these peoples debt situation and causality about it are legitimately giving me anxiety. I do not understand their complacent attitudes, their ridiculous excuses for why they are where they are financially. Pay your bills and stop spending money you don’t have on things you don’t need. God bless Caleb for tackling these people, I couldn’t do it.
This episode ended on such a positive note. One year and she turns her life around. Girlfriend can turn her life around too (work more, share future apartment).
Hopefully she takes this to heart. She can break her “curse” and not live by the whims of fate.
wtf her civic is only a few years old and already has over 100k miles and she still owes $19k on it. She got majorly ripped off on it. A new base civic is almost that much
Yea she isn’t the brightest crayon in the box
No, she just bought it during the historically worst time in history to buy a car. Everything was overpriced on the market. I feel her pain. Def got screwed by the dealer, but doublefold cuz it was a bad time to buy.
@@elell7971 I agree with you that the car market was terrible and prices were overinflated. But fact is she bought a car with over 100k miles in just a few years of use at a price close to the MSRP of a new model (assuming it’s the base model). Now the car doesn’t work and she’s blaming it on Hondas being unreliable.
Honestly my jaw kept dropping
@@DemVidzIsMineTo be fair none of the new cars are as reliable as they once were. There's no reason for a ECU/PCM to fail after 6 years. I haul cars and I've come across more late model Honda SUVs than anything else sadly. Even 3 years into the new Tundra and Toyota is still having crankshaft issues with the TT V6.