Yes, but the issue would be proving that they took the money because if it being cash. There is also the issue that it could be considered in court that because she was living there is was helping with her parents living and paying for rent and what not. This would cause her to lose the legal battle and most likely pay for all of the court fees including attorneys.
Most people don't realize abuses is what it is until it isn't. That was thief and gaslighting, I deal with psychopaths all the time, and it's a beyond easy tactic they get away with all the time
About 3 weeks ago, my son went to see the dentist for a toothache, turns out, his wisdom teeth needed to be pulled, 2400$ .. the E fund paid it and the budget didn't miss a beat.. it'll be replaced in the E fund within 90 days..thanks for the audit Caleb ✌️
There you go....good habits paying off.... you're never gonna give up the mental peace an EF gives you after this experience. No drama, no mental stress, that builds up and you become a cool dude. Priceless.
Hey girl, don't let your parents bully you! If it's better for your sanity, maybe consider writing off the $3K as a gift to your parents but make peace with that and never let them near any of your legal or financial business ever again. You're doing great and you're very capable and are on your way!
I'm sorry this sweet young lady is going through this situation with her mom. I'm a little younger than her mom. My son is 20 yrs old I could never feel entitled to my son's hard earned money. He managed to saved 10 k with absolutely no debt . When I saw my baby coming from working a 12 hr overnight shift I will wait for him a a nice breakfast before he went to bed. As a mom you always want for your children to do good or even better than you in life. Young lady I hope things change between you and your mom.
You’re having your kid work 12 hour shifts instead of learning new skills that could earn him much more for less work? Do you want him to remain an employee?
@@mageds2684 I will clear all assumptions for you. My boy graduated early from high school didn't take a break went straight to college and now works in the health care field makes very good money. He works a flex /compressed schedule which is typical in the health care industry so ends up getting multiple days off to pursuit other things which he's doing. You are the typical you tube drifter that loves to judge assumed and search for the fifth leg on the cat to get attention...Now I'm stepping away from your BS.
My parents stole money I saved up too. They kept trying to claim me on taxes for years after I left and was cut off completely. The IRS audited them and they get upset and bring it up all the time. My mom sued my dad for higher child support when she saw he married a someone else and had a different job. I just… my childhood suffered because of the financial illiteracy of the adults raising me. My folks were the type to say “we’ll take you to a job if ya get one!” And then when i got one they wouldn’t even take me to the interview. This stuff is so common, young adults trying to emerge from the shadows of their parents financial sins.
its really refreshing and inspiring to see someone young on here that is in a decent spot financially while at the same time not making a high income. Great work Ruby!!
Are you high? This girl is in a horrible financial situation. She has no clue what she is doing. Garbage savings account. minimal money in her checking account and thinks 30k a year is crazy money. Yes luckily she doesn't have tons of debit. But I bet she isn't paying taxes on that side business she does.
Poor girl was CLUELESS when they discussed those open credit cards on her account. I think it eventually hit her that her own mom might have opened those cards in her name without her knowledge.
@@KeemReviewz What??? You can't do that in my country. We need to submit our proof of income and tax records, as well as sign the paper with our own signatures and thumbprints that are stored in the chip on our national ID card.
It breaks my heart to watch her make excuse after excuse for her parents. They both sound like bullies and it sucks they're doing it to their daughter.
@Jake38nine Spanking done properly, out of love and not in anger is a very effective training tool for kids. Just because you don’t like it doesn’t mean that all of us who grew up with spankings as part of our training are mindless drones who only repeat what mom & dad told us. 😂 Almost everyone I know who was raised like me is well adjusted, hard working, and productive members of society. A FAR greater average of people raised like me are well adjusted and a positive part of society than the kids raised with this current culture of narcissism, entitlement, & laziness. The proof is in the pudding.
@Jake38nine And it’s interesting that you associate a weak natured inability to call out wrongs with spanking, you seem to think that it leads to a defeated, mindless attachment to authority. A lot of people have a blindness when it comes to family that allows them to be taken advantage of, it has nothing to do whether or not they were spanked. You have an interesting, albeit limited, view of human nature.
@@icantthinkofascreenname3064you are, like he said, making excuses. No hitting comes out of love. That is a very messed up way of thinking. Still in your moms and pops pocket. Which is normal, sadly.
@icantthinkofascreenname3064 spanking is for people with low levels of intelligence who cant solve problems without violence. My parents never spanked me, and im one of the most responsible and financially successful people I know. I know several people who were spanked as kids who think violence is the only way to solve things, and their lives are a mess.
You can tell Caleb genuinely cares about actually helping people with their finances and has empathy towards pretty much everyone in these audits. No biases or anything. Commenting for the YT Algorithm Pt.40
He's also very appropriately called out people's parents when they've been toxic. I love that he acknowledges not all families are the same, and we don't owe them the world if they're stealing from you. It's good he supports the guest in calling it what it is.
What I like about this financial audit is she’s actually not in a bad spot for 23. But this audit does show the importance of choosing a career that pays and has growth because she could be doing SO much better if she had an extra 10-15k a year.
It’s actually a very fun and lucrative business when you are self employed, she’s just starting out so she’s not booked/ hasn’t established a clientele and whatever clinic she’s working for is taking most of what she makes hence why her take home is so low. I had a studio at a salon boutique and the estheticians who also had rooms there all did very well.
@AZ Hair Countess agreed my bf makes 60k as a nail tech, he has ppl from different ends of the city drive from an hour away just because he's that good doing nails
I really admire her positivity. She smiles but behind that smile there is pain when she talks about her family. She respects her parents and she didn't let the money ruin the relationship.
"Can't get rid of your mom" - Oh to be so young and naive. Sure you can...as you get older you'll find that toxic family isn't worth trying to salvage. If my mom stole $3000 from me I think that would wind up leading to no contact unless it was paid back immediately. Hopefully she doesn't reveal to them that she's getting her finances in order because her mom will just wind up trying to leech more money off of her. Holding her moving back in over her head after stealing the money from her is incredibly toxic and terrible from a mother. Get her out of your life as it will lead to a lot less stress.
That's true. Parents need to understand that their relationship isn't some kind of legal contract. Once you're 18, they need to respect you and treat you like a decent human would. The entitlement of some parents today boggles my mind. They think they can mistreat you and act however they want, and you have to love them "just because they're your mom". Unfortunately, society pressures us to always be there for them, but you don't have to be. If they knew that, maybe it would change how they treat you.
Family is everything in some cultures like mine. If you become homeless, then you always have your family to fall back on (which is why you never see homeless Hispanics), but if you shun them then you're f**d.
My family bankrupted me, took out loans in my name and left me with 25k in collections. Then continued to drain me financially for years. I packed up everything I owned, drove 4,000 miles away and cut all contact. It's been 14 years now and screw them all. Narcissistic abusers will NEVER accept fault or blame for what they do and will take every opportunity to sink their hooks back into you. Trust me, walk away and develop a very strong backbone.
This was hard to watch. Knowing her mom took her money, told her it was for living cost and refusing to acknowledge that she took it without paying it back is heartbreaking. Clearly she isn't confrontational and her smiling through it made it even sadder. I wish her the best; she's coming along pretty well for 23.
I highly recommend for adult children living with parents to have a rental agreement with expectations laid out. It protects both the adult children and the parent.
It’s wild that this happen more often than not, the whole “you owe me” coming from parents for basic things like upbringing. I get maybe after 18 but to constantly hold basic parenting over your grown child’s head is just toxic as f
She's probably not going to get that money back from her mom. In fact, the way she explains it with her dad buying whatever to keep the mom happy, it sounds like the mother is a pretty toxic and sociopathic type of person that will have an outburst if she doesn't have things her way. Sorry to say but she might have to just write off that missing $3k that her mom took from her.
The mom situation is so difficult to navigate. Unfortunately, parents with narcissistic traits & poor money management can always take advantage of their children without any repercussions. As someone who has also dealt with this problem, the only solution is to be completely separated financially from the parents. Move out, file independent for taxes, and possibly change your SSN. If a parent is willing to put their teenager at a financial disadvantage, they will never have the capacity to feel remorse or indebted.
My blood is boiling that her mom stole her money! As a mom, I can’t imagine doing that to my kids. Here we are worrying about how we can save up for our two kids to set them up for the future. What a horrible mother!
This girl is so high vibrational. Just a beautiful soul. Who gets stolen from by their PARENTS and has such a positive attitude, as a BABY. She is an angel. I am just saying..
Girl if you can please God please see this comment. I want you to understand something that's super hard to grasp. I was in a similar position you are. I lived with my mother (father not in the picture) and she was financially abusive. If your mother does this constantly, yes you can leave them. It's so hard but you need to cut ties. I could get deeper into this but know that the light at the end of the tunnel IS THERE after the pain of cutting ties. Do not hold on to a rope that's hurting you more than helping either of you. My mother gave me no freedom. She would also be mad that money was in my bank account and not in there at the same time. She would constantly make me show her my account to "prove I'm broke as her" and God when I got my scholarship money. She basically took it, she refused to feed any of us including my little brothers who were 12 and 10 at the time. I had to pay 800 a month as "rent" by the time I left. And she wanted more. I even paid her phone bill after I left bc of guilty traps she would do. I'm now not talking to her and she's so sad that she's missing out of hanging out with her grandchildren. They deserve better. WE ALL deserve better.
@@Jajaky Right? Seems like such a good idea. Probably a business worth hundreds of millions of dollars. It’s a shame that nobody has taken advantage of that idea yet.
She'll probably never get that money back. And I understand her not wanting to rehash things with her parents. It's a dead end. A hard lesson to learn to about the parents character. I would just never keep my bag unattended in their house as they can never be trusted around money.
Definitely sympathize with the family BS. My mother holds stuff over her kids because she's a manipulator. All through high school, "I pay car insurance, I pay cell phone. You have do XYZ". Moved on became independent and now pay my mom's bills but do I hold it against her NOPE.
Your mom just sounds like any other mom, doing things and paying for things for the good of her children and to make their lives easier while they grow up and get on their feet. She had every right to hold what she did against you while you were living under her roof to get you to do what she told you to do. Tldr: never have any kids, Larry, you're not ready
@@alexs_toy_barn lol parents CHOOSE to have kids and then they expect those kids to be grateful for doing the bare minimum like putting a roof on their head. If you need praising for that you shouldn't become a parent. So glad my parents didn't have that toxic mentality. Your comment is ridiculous.
It is a parents job to take care and pay for their kids. The kids didn't ask to be born. It was the parents decision to have kids so the least parents could do is take care of their kids and pay for their kids until grown (18 yr old). The fact that your mom holds basic care over your head indicates to me that she's not a good mom. If she still has to take care of you as an adult then it's a different story, but you were a child, under 18, under her care, so for her to hold that over you is gross.
Hey Caleb I’m sure you probably won’t see this but please keep doing these!!!. Your doing amazing and seeing the quality continue to increase makes me excited for the future of this future million sub channel.!!!
As her higher margin clientele increases she'll be doing super well. What a great start with getting through certification/professional school in cash so that she's setup for the future. Sad that her mom isn't prioritizing her daughters financial wellbeing but props to Ruby for the ambition and setting herself up for success nonetheless!
Girl you need to start building your clientele and get your own studio. I’m in a similar business (hair salon) and was making the same amount as her At that age but that was 20 years ago!
When you moved to your own studio did a lot of clientele jump with you? Did being in whatever group-building beforehand help launch or do you think starting your own studio from the start is the way to go?
@@twlight9000 as I said, build up your clientele then go out on your own. You can start out independent if you’re a real go-getter. I was not. I needed to build first then take those clients when I got my own space.
When I went into the service I knew my mother and step fathers relationship was on the rocks. I don’t know all the details but while I was in boot camp, my ma stole $20k. Iv contemplated suing her for many years but haven’t because she’s never been stable. I keep my distance now and only talk to her if shes going to pay me.. which is never. So yeah, every year I get the worst son ribbon. I contemplated ending myself a few times but realized it’s not worth it. Iv been grinding every day since I made the decision to live but my respect has gone out the window. The hardest thing to understand is as a child is that your parent figures weren’t you going through school. They tried they’re best but traumatized each of my 6 siblings. Find your peace and cut the dead weight
Hang tight. Put it behind you and treat it all as lessons learned. Best to keep a distance and do well for yourself. Don’t let anyone make you feel guilty. Be strong in yourself and find your tribe- people that are supportive in your life and don’t bring in drama. Keep plugging away and things will pay off for you. Depression will pass and you won’t be so Down on yourself. For many people, their parents are t what they wanted them to be. It’s best to accept it and move on. Bless you
You already made the best decision by cutting dead weight (your mom) out. It's good you're keeping your distance from your toxic mom, I doubt she'll change, people rarely change. Keep continuing your life and focusing on yourself. Living your best life is the best revenge.
So sorry for what your parents put you through. You’re right to have stepped away. Take care of yourself and thank you for your service. You deserved better.
Her parents take advantage of her because she's too nice. I'm sure if she threatened to take them to court they would magically 'find' the money and wouldn't steal from her again. I'm sure they'd get over it eventually and then she's set that boundary for life.
These are so entertaining and have given so much insight into how terribly I manage my money. That being said have motivated me to make changes. Please keep it up I love your videos.
Caleb, your content has absolutely been the kick in the ass I needed. I've been watching for a few months now. As of last month, my credit score has raised 49 points to 782. I'm really looking forward to paying off all my debt and hitting/breaking that 800 mark which was my goal this year. What you do is valuable and important, and we appreciate you.
I had a similar situation with my aunt that she's having with her mother. It's disgusting that her mother did what she did and there's no excuse for that behaviour, those sort of people that take advantage of people like that are on my avoid at all cost list. I hope she was able to get the money back and she's in a better spot.
Hearing her talk about her mom hurts my heart. Moving back for a little bit after school isn't unreasonable and it's not like she's not working... honestly she should still be living there until she has a emergency fund but I don't think that will happen. All in all her spending habits seem pretty in check and she looks like a really sweet person. Caleb throwing the boyfriends bank account under the bus though :D Edit: Baby Step 1 is to save $1000 and a lot of people think this is there emergency fund but it is really just training you to save and budget.
I want to thank you for waking me up to my situation. I’m in an okay situation but not a great situation. You’re doing this generation a huge favor by teaching what you teach.
This woman is in amazing shape financially. Such a great head on her shoulders and so responsible! I hope she can get some more income coming in and start to invest some money for her future. I would love an update on her at some point.
Every time you see your parents, ask them for $50. Then after 60 visits, you've got your $3000 back. If they fuss, just ask them to give you whatever cash they have in their wallet. Tell them that you need the money for gas to keep coming to see them because gas is so expensive. If you see your parents once a week, that will only take you just over a year.
She seems so smart and confident. She hasn't made any major stupid financial mistakes yet. The car is a minor ding, especially with the APR and down payment. The main thing I see is she's making way way below what she's capable of. If I were her I would be aggressively figuring out how to increase that income. If she increased by 50-100% while she gets the car paid off she'll be set to move out to her own place and she'll be killing it!
Good for her! Not a large income but she makes it work which is tough! She will no doubt be very successful if she keeps up this pace and increases her income.
I definitely feel her when it comes to the bad/toxic family dynamic. I still live with my parents and pay all of their bills and my mom still expects me to "gift her some money just because" after everyone of my paychecks, and since I did it a few times at first out of gratitude, she has started a habit of asking me for a "gift" every other Friday knowing I got paid. It's definitely toxic but in my culture I'm my parents retirement plan so I definitely feel like I got manipulated into a bad situation with where I'm at now.
I can't speak on cultural norms, but just remember you always have choices. You are your own person and didn't choose to be a retirement fund. Live the life however you see fit
In my culture I’m my parents financial plan too but they already have their own savings , investments and plan aside from me as everyone should do, the kids are just to ensure they are comfortable and not in a nursing home. I would happily be gifting or spending it on my parents but them expecting and asking is not cool :/ maybe you can help them set up some financial system and work in what you’d like to share on them Easier said than done of course , but this way you can plan for your own future and family freely ❤
If you already pay all the bills, just write whatever bill you paid and the amount on a piece of paper, stick a pretty bow on it and give it to her as her present. A gift isn't a gift if it's demanded, it's extortion.
If pay the bill, say to them that’s your form of rent and that you will give any more money, if they agree ok if not save to move out, if you don’t set boundaries now you will be f*cked for the rest of your life, I’m talking from experience. Good luck
So nice to see someone being smart and motivated. Especially a woman. Women need to be financially stable enough to never be in a position where they depend on someone else. I think the $500 she was referring to is the frequently referenced amount of money “most” people do not have/ more than saved up.
Proud of her. Out of all the people you've had, she is the best situation. Besides her parents situation. And she seems she actually taking this audit serious and wants to make the necessary changes to set herself up. If there is one, looking forward to a follow up interview a year down the road.
You can tell that she has an awesome attitude and a good head on her shoulders. It is a shame about her family! She isn't paid well but she does so well with what she has. I can tell she has a bright future!
Saying that her parents could pay her $500 for 6 months to give here $3k really put into perspective how much money that is. Idk why, but it’s just way easier to conceptualize when broken down like that.
I don’t see her getting back that $3k. And the mom’s reason was crazy. It’s very sad. She just knows going forward she’ll have to make sure her mom doesn’t know how much money she has.
She so sweet , .. I hope her parents realise they’ve got a lovely daughter and pay back every penny I wish her every success in life, she is doing exceptionally well for her age .. from now on let other people pay for you You been generous enough
She is a person who is grounded and financially teachable. The boyfriend is lucky. I hope he is on the same page as her. Parents who steal from children are horrible!!!
I was in a bit of a similar situation. I borrowed a large amount of money to my dad when I was young because he was under threat of losing his house. I've sat down and talked to him multiple times about getting a payment plan going and he might stick to it for a little bit and then just stop again. He'll find some kind of justification on why he can't or why he shouldn't have to pay it back. Eventually I just decided to give up because it's not worth the stress and effort of always pushing for it. It sucks but I just consider that money gone and I've learned my lesson never to borrow to family again.
So funny I start my work day and look your name up and you just posted this. Thanks for the customer service, Caleb. Edit: She’s wrong, you definitely can! 😅
That was i think the best episode i watched yet. Its much mored intersting to listen to people that arent just plainly stupid and actually know what they are/were doing but just faced some obstacle or something. Refreshing and easy to listen to, congrats to both of you, thanks for this.
Regarding the $1000 emergency fund, Dave Ramsay does (or did) recommend that as a starter fund for people up to their eyeballs in debt and needing to stop digging their hole. Then focus on the debts, then build up to a full 3 to 6 months. I haven't listened to him in years, though. He's fine in small doses, but he's from a different generation and sometimes sounds like a lecturing parent.
For someone who’s not financially savvy she seems to have good instinct on how to keep her head above water. Hope she can get all the little things sorted that will give her worlds more breathing room.
Caleb I would love to see you found a personal finance education non-profit. So many of these young people have never heard these basic ideas, and no one is teaching it to them!
Hey Caleb…..do these and other folks A HUGE FAVOR. Please put together a video on what you need to know about getting paid, benefits, etc when you are considering accepting a job offer…I would gear it for people just out of High School or college. I remember being so thrilled to get a coveted job when I was young and thinking nothing of being paid as an independent contractor and really got myself in trouble with the IRS later on. I took care of it (I had bought Disney stock as a kid so I sold it and didn’t need to ask my parents for money) … I’m financially set now (I’m 62)….but so many clueless kids/20somethings on your show. I love what you do! Please consider creating that kind of helpful video or series…. Not as an advisor just a guy who’s learned and seen a thing or two.
Your mom is almost my age. She needs to grow up! The mother owes her an apology and her money. I hope she can get her money back so she can better herself. And yes you can cut out family especially when they are being toxic and crossing boundaries.
Caleb you analyze other peoples finances, it would be interesting to see an updated analysis on your financial standing? Might be a good basis for people to follow?
As an LMT, I can tell she has no clue what her value is or what amazing opportunities are afforded to her profession! I just want to wake her up!!!!!!!
My mom has done allot of shady ish to me and my brother. She took us to court, stole from us, it was allot. I felt anxiety for her when she was talking about how she doesn’t like confrontation- same girl, same! 😭
My question is why not ask for a paystub? That could help clear up a lot of confusion on income in some cases. Especially gross vs net, you can also see medical/dental/vision come out, as well as outflows for 529s ,401k information, plus any stipends for things as well.
hey caleb! great channel. im a consumer/HELOC loan originator, hoping to someday become an underwriter. :) you’re really bright, and the way that you in such quick form run down people’s finances is really impressive. have you ever thought of doing short little side-series videos breaking down basic stuff that people on your show run into a lot? you could make one about your opinions on CC use, use of net income by percentage, different methods for saving like envelope stuffing etc, retirement/ROTH/other investments, stable mid-risk investing, etc….
Often only works 30 hours, maybe less. Go back to your roots and do some part-time on the beverage cart to speed up emergency fund and increase income in the short-term. Great job avoiding really bad debt. Drive that car till the wheels fall off.
One of my favorite guests so far. She's clearly intelligent, listens, is kind, seems like a great person. So much better than the people coming in whining with unlimited excuses no matter what. They are losers, this girl is not
i keep hearing about credit karma on this channel so i went and checked my credit and it's 822. holy shiiiiiiit! now i want to run up some debts and go to mexico
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"You can't call the police on your parents" homegirl they took 3k not $3, lol that's a felony level of theft
yeah but cops arent going to put ur parents in prison for stealing money from u. u gotta take them to small claims.
@@cerebrumexcrement either way she should def get the law involved
Yes, but the issue would be proving that they took the money because if it being cash. There is also the issue that it could be considered in court that because she was living there is was helping with her parents living and paying for rent and what not. This would cause her to lose the legal battle and most likely pay for all of the court fees including attorneys.
@@Onanewjob nah i doubt all of that homegirl has a case. You don't take 3k from your kids and call it a day tf
Most people don't realize abuses is what it is until it isn't. That was thief and gaslighting, I deal with psychopaths all the time, and it's a beyond easy tactic they get away with all the time
About 3 weeks ago, my son went to see the dentist for a toothache, turns out, his wisdom teeth needed to be pulled, 2400$ .. the E fund paid it and the budget didn't miss a beat.. it'll be replaced in the E fund within 90 days..thanks for the audit Caleb ✌️
@@theoneonly5368 No Dental, dental insurance is expensive so i choose not to have it, it's cheaper to just pay cash when it's necessary
Amazing!!! 👏👏👏
Awesome!!💪💪
@Squish Is your audit on YT?
There you go....good habits paying off.... you're never gonna give up the mental peace an EF gives you after this experience. No drama, no mental stress, that builds up and you become a cool dude. Priceless.
Hey girl, don't let your parents bully you! If it's better for your sanity, maybe consider writing off the $3K as a gift to your parents but make peace with that and never let them near any of your legal or financial business ever again. You're doing great and you're very capable and are on your way!
@@tannerrockett9452 I didn't mean tax write off. I meant changing how she's viewing this missing money and writing it off mentally.
@@tannerrockett9452 figure of speech
This is how I'd handle it too, especially if I wanted a relationship once the debt was settled.
I feel bad for her but she is probably a person who pays for premium air in her tires.
@@peanutbutter5276 did writing this comment make you feel better about your situation??
I'm sorry this sweet young lady is going through this situation with her mom. I'm a little younger than her mom. My son is 20 yrs old I could never feel entitled to my son's hard earned money. He managed to saved 10 k with absolutely no debt . When I saw my baby coming from working a 12 hr overnight shift I will wait for him a a nice breakfast before he went to bed. As a mom you always want for your children to do good or even better than you in life. Young lady I hope things change between you and your mom.
10/10 great parenting. Bet he appreciates you a lot.
You’re having your kid work 12 hour shifts instead of learning new skills that could earn him much more for less work? Do you want him to remain an employee?
@@mageds2684 you don't know their situation at all, so stop it with the Tate type bullshit.
@@dreamerlotus Thank you! so much for your kind words.
@@mageds2684 I will clear all assumptions for you. My boy graduated early from high school didn't take a break went straight to college and now works in the health care field makes very good money. He works a flex /compressed schedule which is typical in the health care industry so ends up getting multiple days off to pursuit other things which he's doing. You are the typical you tube drifter that loves to judge assumed and search for the fifth leg on the cat to get attention...Now I'm stepping away from your BS.
My parents stole money I saved up too. They kept trying to claim me on taxes for years after I left and was cut off completely. The IRS audited them and they get upset and bring it up all the time. My mom sued my dad for higher child support when she saw he married a someone else and had a different job. I just… my childhood suffered because of the financial illiteracy of the adults raising me. My folks were the type to say “we’ll take you to a job if ya get one!” And then when i got one they wouldn’t even take me to the interview. This stuff is so common, young adults trying to emerge from the shadows of their parents financial sins.
Sound so similar to me 🥴🥴
my mum and my stepdad were the same, always moving the goalposts and making other people pay the consequences for their actions
That is so crappy, so evil of them. I wonder how they try to justify it in their own minds
its really refreshing and inspiring to see someone young on here that is in a decent spot financially while at the same time not making a high income. Great work Ruby!!
I’m in this position! I don’t make much but I have quite a lot for my age due to investing 60% of that income
Yes...except she knows painfully nothing about money. To know so little about her own income...
Why is it refreshing? Lol why does it matter to you
Are you high? This girl is in a horrible financial situation. She has no clue what she is doing. Garbage savings account. minimal money in her checking account and thinks 30k a year is crazy money. Yes luckily she doesn't have tons of debit. But I bet she isn't paying taxes on that side business she does.
@@Youre-Welcome lol I agree. it's scary.
This girl is set. She’s got the mindset to absolutely crush it. We’re proud of you!!
Only thing she going to crush is some dude’s life.
Poor girl was CLUELESS when they discussed those open credit cards on her account. I think it eventually hit her that her own mom might have opened those cards in her name without her knowledge.
Wait, you can do that in the US?
@@PassionPno Unfortunately, since the terrible parent usually has the childs SSN they can easily ruin their credit by getting credit cards.
@@KeemReviewz What??? You can't do that in my country. We need to submit our proof of income and tax records, as well as sign the paper with our own signatures and thumbprints that are stored in the chip on our national ID card.
@@PassionPnoyep parents will do that and the kids will not take them to court for fraud.
It breaks my heart to watch her make excuse after excuse for her parents. They both sound like bullies and it sucks they're doing it to their daughter.
@Jake38nine Spanking done properly, out of love and not in anger is a very effective training tool for kids. Just because you don’t like it doesn’t mean that all of us who grew up with spankings as part of our training are mindless drones who only repeat what mom & dad told us. 😂 Almost everyone I know who was raised like me is well adjusted, hard working, and productive members of society. A FAR greater average of people raised like me are well adjusted and a positive part of society than the kids raised with this current culture of narcissism, entitlement, & laziness. The proof is in the pudding.
@Jake38nine And it’s interesting that you associate a weak natured inability to call out wrongs with spanking, you seem to think that it leads to a defeated, mindless attachment to authority.
A lot of people have a blindness when it comes to family that allows them to be taken advantage of, it has nothing to do whether or not they were spanked. You have an interesting, albeit limited, view of human nature.
@@icantthinkofascreenname3064you are, like he said, making excuses. No hitting comes out of love. That is a very messed up way of thinking. Still in your moms and pops pocket. Which is normal, sadly.
Not parents, her mother!!! Get it right
@icantthinkofascreenname3064 spanking is for people with low levels of intelligence who cant solve problems without violence. My parents never spanked me, and im one of the most responsible and financially successful people I know. I know several people who were spanked as kids who think violence is the only way to solve things, and their lives are a mess.
You can tell Caleb genuinely cares about actually helping people with their finances and has empathy towards pretty much everyone in these audits. No biases or anything.
Commenting for the YT Algorithm Pt.40
It’s awesome to see longer form content like this rather than the sound bytes from others like Dave Ramsay, these longer audits seem much more helpful
He's also very appropriately called out people's parents when they've been toxic. I love that he acknowledges not all families are the same, and we don't owe them the world if they're stealing from you. It's good he supports the guest in calling it what it is.
What I like about this financial audit is she’s actually not in a bad spot for 23. But this audit does show the importance of choosing a career that pays and has growth because she could be doing SO much better if she had an extra 10-15k a year.
It’s actually a very fun and lucrative business when you are self employed, she’s just starting out so she’s not booked/ hasn’t established a clientele and whatever clinic she’s working for is taking most of what she makes hence why her take home is so low. I had a studio at a salon boutique and the estheticians who also had rooms there all did very well.
@@azhaircountess9798 this! Establishing yourself and growing your brand can be so lucrative in the beauty business!
Yeah I tell people all the time that math matters...
She definitely has the potential to make a lot more in the career she's in. She just needs to keep building her clientele.
@AZ Hair Countess agreed my bf makes 60k as a nail tech, he has ppl from different ends of the city drive from an hour away just because he's that good doing nails
I really admire her positivity. She smiles but behind that smile there is pain when she talks about her family. She respects her parents and she didn't let the money ruin the relationship.
"Can't get rid of your mom" - Oh to be so young and naive. Sure you can...as you get older you'll find that toxic family isn't worth trying to salvage. If my mom stole $3000 from me I think that would wind up leading to no contact unless it was paid back immediately. Hopefully she doesn't reveal to them that she's getting her finances in order because her mom will just wind up trying to leech more money off of her. Holding her moving back in over her head after stealing the money from her is incredibly toxic and terrible from a mother. Get her out of your life as it will lead to a lot less stress.
That's true. Parents need to understand that their relationship isn't some kind of legal contract. Once you're 18, they need to respect you and treat you like a decent human would. The entitlement of some parents today boggles my mind. They think they can mistreat you and act however they want, and you have to love them "just because they're your mom". Unfortunately, society pressures us to always be there for them, but you don't have to be. If they knew that, maybe it would change how they treat you.
Family is everything in some cultures like mine. If you become homeless, then you always have your family to fall back on (which is why you never see homeless Hispanics), but if you shun them then you're f**d.
For shit sure. I’d sue the shit out of my mom is she did that
Preach. I did it in 2018. Haven’t looked back. The therapist were right she doesn’t care.
My family bankrupted me, took out loans in my name and left me with 25k in collections. Then continued to drain me financially for years. I packed up everything I owned, drove 4,000 miles away and cut all contact. It's been 14 years now and screw them all. Narcissistic abusers will NEVER accept fault or blame for what they do and will take every opportunity to sink their hooks back into you. Trust me, walk away and develop a very strong backbone.
This was hard to watch. Knowing her mom took her money, told her it was for living cost and refusing to acknowledge that she took it without paying it back is heartbreaking. Clearly she isn't confrontational and her smiling through it made it even sadder. I wish her the best; she's coming along pretty well for 23.
I highly recommend for adult children living with parents to have a rental agreement with expectations laid out. It protects both the adult children and the parent.
It’s wild that this happen more often than not, the whole “you owe me” coming from parents for basic things like upbringing. I get maybe after 18 but to constantly hold basic parenting over your grown child’s head is just toxic as f
I think Ruby's headed in the right direction, without a lot of debt and thinking about her finances.
I feel like the relationship is already strained if parents steal money from their kid, vice versa. But overall I think she is making it all work!
She's probably not going to get that money back from her mom. In fact, the way she explains it with her dad buying whatever to keep the mom happy, it sounds like the mother is a pretty toxic and sociopathic type of person that will have an outburst if she doesn't have things her way. Sorry to say but she might have to just write off that missing $3k that her mom took from her.
I say take that witch to small claims. If we're lucky, she may even direct an outburst at the judge.
The mom situation is so difficult to navigate. Unfortunately, parents with narcissistic traits & poor money management can always take advantage of their children without any repercussions.
As someone who has also dealt with this problem, the only solution is to be completely separated financially from the parents. Move out, file independent for taxes, and possibly change your SSN.
If a parent is willing to put their teenager at a financial disadvantage, they will never have the capacity to feel remorse or indebted.
My blood is boiling that her mom stole her money! As a mom, I can’t imagine doing that to my kids. Here we are worrying about how we can save up for our two kids to set them up for the future. What a horrible mother!
This girl is so high vibrational. Just a beautiful soul. Who gets stolen from by their PARENTS and has such a positive attitude, as a BABY. She is an angel. I am just saying..
Girl if you can please God please see this comment. I want you to understand something that's super hard to grasp. I was in a similar position you are. I lived with my mother (father not in the picture) and she was financially abusive. If your mother does this constantly, yes you can leave them. It's so hard but you need to cut ties. I could get deeper into this but know that the light at the end of the tunnel IS THERE after the pain of cutting ties. Do not hold on to a rope that's hurting you more than helping either of you. My mother gave me no freedom. She would also be mad that money was in my bank account and not in there at the same time. She would constantly make me show her my account to "prove I'm broke as her" and God when I got my scholarship money. She basically took it, she refused to feed any of us including my little brothers who were 12 and 10 at the time. I had to pay 800 a month as "rent" by the time I left. And she wanted more. I even paid her phone bill after I left bc of guilty traps she would do. I'm now not talking to her and she's so sad that she's missing out of hanging out with her grandchildren. They deserve better. WE ALL deserve better.
Love hearing the audits at work… these videos could easily be podcasts. 😊
He should totally add these to Spotify!
hell, should just start a radio show, and have people call in for financial advice. can't believe no ones done it before...
@@Jajaky Right? Seems like such a good idea. Probably a business worth hundreds of millions of dollars. It’s a shame that nobody has taken advantage of that idea yet.
She'll probably never get that money back. And I understand her not wanting to rehash things with her parents. It's a dead end. A hard lesson to learn to about the parents character. I would just never keep my bag unattended in their house as they can never be trusted around money.
Family related financial drama is the worst and can be so awkward 😬
Definitely sympathize with the family BS. My mother holds stuff over her kids because she's a manipulator. All through high school, "I pay car insurance, I pay cell phone. You have do XYZ". Moved on became independent and now pay my mom's bills but do I hold it against her NOPE.
I’m sorry 😞
you should
Your mom just sounds like any other mom, doing things and paying for things for the good of her children and to make their lives easier while they grow up and get on their feet. She had every right to hold what she did against you while you were living under her roof to get you to do what she told you to do.
Tldr: never have any kids, Larry, you're not ready
@@alexs_toy_barn lol parents CHOOSE to have kids and then they expect those kids to be grateful for doing the bare minimum like putting a roof on their head. If you need praising for that you shouldn't become a parent. So glad my parents didn't have that toxic mentality. Your comment is ridiculous.
It is a parents job to take care and pay for their kids. The kids didn't ask to be born. It was the parents decision to have kids so the least parents could do is take care of their kids and pay for their kids until grown (18 yr old).
The fact that your mom holds basic care over your head indicates to me that she's not a good mom.
If she still has to take care of you as an adult then it's a different story, but you were a child, under 18, under her care, so for her to hold that over you is gross.
Hey Caleb I’m sure you probably won’t see this but please keep doing these!!!. Your doing amazing and seeing the quality continue to increase makes me excited for the future of this future million sub channel.!!!
Thank you Marcus!!
@@CalebHammer i have a question, how do you get high yield saving account and whats the plus or minus of that?
@@lisarussell5741Discover also has a great savings account. 3.00%
Wealthfront: 3.30%
@@lisarussell5741 Vio Bank offers Cornerstone Money Market savings account with 3.62% APY!
As somebody that had their mom take money from them, I found it best to write it off, cut ties and keep your peace. I hope her situation works out.
As her higher margin clientele increases she'll be doing super well. What a great start with getting through certification/professional school in cash so that she's setup for the future. Sad that her mom isn't prioritizing her daughters financial wellbeing but props to Ruby for the ambition and setting herself up for success nonetheless!
Girl you need to start building your clientele and get your own studio. I’m in a similar business (hair salon) and was making the same amount as her At that age but that was 20 years ago!
When you moved to your own studio did a lot of clientele jump with you? Did being in whatever group-building beforehand help launch or do you think starting your own studio from the start is the way to go?
@@twlight9000 as I said, build up your clientele then go out on your own. You can start out independent if you’re a real go-getter. I was not. I needed to build first then take those clients when I got my own space.
When I went into the service I knew my mother and step fathers relationship was on the rocks. I don’t know all the details but while I was in boot camp, my ma stole $20k.
Iv contemplated suing her for many years but haven’t because she’s never been stable. I keep my distance now and only talk to her if shes going to pay me.. which is never. So yeah, every year I get the worst son ribbon.
I contemplated ending myself a few times but realized it’s not worth it. Iv been grinding every day since I made the decision to live but my respect has gone out the window. The hardest thing to understand is as a child is that your parent figures weren’t you going through school. They tried they’re best but traumatized each of my 6 siblings. Find your peace and cut the dead weight
Hang tight. Put it behind you and treat it all as lessons learned. Best to keep a distance and do well for yourself. Don’t let anyone make you feel guilty. Be strong in yourself and find your tribe- people that are supportive in your life and don’t bring in drama. Keep plugging away and things will pay off for you. Depression will pass and you won’t be so
Down on yourself. For many people, their parents are t what they wanted them to be. It’s best to accept it and move on. Bless you
You already made the best decision by cutting dead weight (your mom) out. It's good you're keeping your distance from your toxic mom, I doubt she'll change, people rarely change. Keep continuing your life and focusing on yourself. Living your best life is the best revenge.
So sorry for what your parents put you through. You’re right to have stepped away. Take care of yourself and thank you for your service. You deserved better.
Her parents take advantage of her because she's too nice. I'm sure if she threatened to take them to court they would magically 'find' the money and wouldn't steal from her again. I'm sure they'd get over it eventually and then she's set that boundary for life.
It's shocking how many of these people can't even figure out what their income is.
These are so entertaining and have given so much insight into how terribly I manage my money. That being said have motivated me to make changes. Please keep it up I love your videos.
Thank you so much!
Caleb, your content has absolutely been the kick in the ass I needed. I've been watching for a few months now. As of last month, my credit score has raised 49 points to 782. I'm really looking forward to paying off all my debt and hitting/breaking that 800 mark which was my goal this year. What you do is valuable and important, and we appreciate you.
I had a similar situation with my aunt that she's having with her mother. It's disgusting that her mother did what she did and there's no excuse for that behaviour, those sort of people that take advantage of people like that are on my avoid at all cost list. I hope she was able to get the money back and she's in a better spot.
Hearing her talk about her mom hurts my heart. Moving back for a little bit after school isn't unreasonable and it's not like she's not working... honestly she should still be living there until she has a emergency fund but I don't think that will happen. All in all her spending habits seem pretty in check and she looks like a really sweet person. Caleb throwing the boyfriends bank account under the bus though :D
Edit: Baby Step 1 is to save $1000 and a lot of people think this is there emergency fund but it is really just training you to save and budget.
I want to thank you for waking me up to my situation. I’m in an okay situation but not a great situation. You’re doing this generation a huge favor by teaching what you teach.
This channel is like my morning cup of coffee. Can't go without it. So refreshing learning about the financial perspective of many individuals.
This woman is in amazing shape financially. Such a great head on her shoulders and so responsible! I hope she can get some more income coming in and start to invest some money for her future. I would love an update on her at some point.
My mother stole my money for the same reason, and cause she hates me and hates any progress I make in life
This girl is so sweet I feel bad she’s going through that with her mom.
3k is a lot of money. Dang that mom sucks. I would disown my parents of they did that to me. Thankfully they're both awesome people.
It's especially a lot of money at 23.
If you use the logic of compounding interest or whatever, then that could be upwards of $60,000...
Awe I love her. She is going to succeed ❤️ really need to have her back!!! Rooting for you girl!!!
Every time you see your parents, ask them for $50. Then after 60 visits, you've got your $3000 back. If they fuss, just ask them to give you whatever cash they have in their wallet. Tell them that you need the money for gas to keep coming to see them because gas is so expensive. If you see your parents once a week, that will only take you just over a year.
She seems so smart and confident. She hasn't made any major stupid financial mistakes yet. The car is a minor ding, especially with the APR and down payment. The main thing I see is she's making way way below what she's capable of. If I were her I would be aggressively figuring out how to increase that income. If she increased by 50-100% while she gets the car paid off she'll be set to move out to her own place and she'll be killing it!
What a great attitude and lovely person. Definitely a great head on her shoulders. I’m sure she’s going places in life, keep it up!
Her skin is flawless she’s def an esti. She seems so sweet I wish her the best.
This was one of the most optimistic episodes I’ve seen. I think she’ll improve even more with maturity. Good luck in the future!
I love how you transparent Caleb is.
Good for her! Not a large income but she makes it work which is tough! She will no doubt be very successful if she keeps up this pace and increases her income.
I feel sorry for this young lady. It hurts me to think how bad a parent her Mom is using guilt trips after flat out stealing money from her. Yikes 🤬
I definitely feel her when it comes to the bad/toxic family dynamic. I still live with my parents and pay all of their bills and my mom still expects me to "gift her some money just because" after everyone of my paychecks, and since I did it a few times at first out of gratitude, she has started a habit of asking me for a "gift" every other Friday knowing I got paid. It's definitely toxic but in my culture I'm my parents retirement plan so I definitely feel like I got manipulated into a bad situation with where I'm at now.
I can't speak on cultural norms, but just remember you always have choices. You are your own person and didn't choose to be a retirement fund. Live the life however you see fit
Make a plan to get out, it's not worth throwing away your future for toxic family.
In my culture I’m my parents financial plan too but they already have their own savings , investments and plan aside from me as everyone should do, the kids are just to ensure they are comfortable and not in a nursing home. I would happily be gifting or spending it on my parents but them expecting and asking is not cool :/ maybe you can help them set up some financial system and work in what you’d like to share on them Easier said than done of course , but this way you can plan for your own future and family freely ❤
If you already pay all the bills, just write whatever bill you paid and the amount on a piece of paper, stick a pretty bow on it and give it to her as her present. A gift isn't a gift if it's demanded, it's extortion.
If pay the bill, say to them that’s your form of rent and that you will give any more money, if they agree ok if not save to move out, if you don’t set boundaries now you will be f*cked for the rest of your life, I’m talking from experience.
Good luck
So nice to see someone being smart and motivated. Especially a woman. Women need to be financially stable enough to never be in a position where they depend on someone else.
I think the $500 she was referring to is the frequently referenced amount of money “most” people do not have/ more than saved up.
Proud of her. Out of all the people you've had, she is the best situation. Besides her parents situation. And she seems she actually taking this audit serious and wants to make the necessary changes to set herself up. If there is one, looking forward to a follow up interview a year down the road.
Awwe, she seems so precious. I think she'll actually follow all your suggestions, Caleb. Great things are coming for Ruby.
You can tell that she has an awesome attitude and a good head on her shoulders. It is a shame about her family! She isn't paid well but she does so well with what she has. I can tell she has a bright future!
Saying that her parents could pay her $500 for 6 months to give here $3k really put into perspective how much money that is. Idk why, but it’s just way easier to conceptualize when broken down like that.
my mom stole 3k from me too :,/ and it’s been 3 years and doesn’t acknowledge that she stole it from me
Dude she's never going to get that $3000 back. Her parents spent it I'm sure.
Caleb: How much do you make?
Them: No freaking clue
First step of knowing how to handle money is knowing how much you make lol
I don’t see her getting back that $3k. And the mom’s reason was crazy. It’s very sad. She just knows going forward she’ll have to make sure her mom doesn’t know how much money she has.
So excited for a new financial audit!
Wooo!
Changing the world one audit at a time. You’re doing the lord’s work, Caleb. Love the content!!
Getting close to those 50k subscribers! The content you provide is super entertaining!
She so sweet ,
.. I hope her parents realise they’ve got a lovely daughter and pay back every penny
I wish her every success in life,
she is doing exceptionally well for her age
.. from now on let other people pay for you
You been generous enough
She is a person who is grounded and financially teachable. The boyfriend is lucky. I hope he is on the same page as her.
Parents who steal from children are horrible!!!
I was in a bit of a similar situation. I borrowed a large amount of money to my dad when I was young because he was under threat of losing his house. I've sat down and talked to him multiple times about getting a payment plan going and he might stick to it for a little bit and then just stop again. He'll find some kind of justification on why he can't or why he shouldn't have to pay it back. Eventually I just decided to give up because it's not worth the stress and effort of always pushing for it. It sucks but I just consider that money gone and I've learned my lesson never to borrow to family again.
She said she wasn't financially savvy? Girl is 💯 on the right track. She's hustling!
So funny I start my work day and look your name up and you just posted this. Thanks for the customer service, Caleb.
Edit: She’s wrong, you definitely can! 😅
Have you thought about adding just the Audio to Spotify as a podcast? I love watching your videos! It would love to just listen when I drive ! 🙏🏼🙏🏼
She seems so lovely and positive. Why would her mother treat her like that 😕
Your consistency is unmatched. Happy Monday!
Happy Monday!
I love this girl. I wish I coulda found someone like her a long time ago.
I didn’t even know high-interest savings were a thing! Here I am sitting on a pile of money earning peanuts. THANK YOU!
So weird seeing him be nice lol. He usually has to stress the bad things but this was the first episode I’ve seen that’s not bad lol
Hmm don't let your parents use or ruin your credit - your mom sounds like she may take advantage of your credit at some point.
My mom and her family put my credit to shit too :/
@@spf_500 that's awful! 😠 especially at such a young age, when you wouldn't have any idea to even think about or check your credit
@@so._.anyways hope you were able to get it back up - so disappointing
That was i think the best episode i watched yet. Its much mored intersting to listen to people that arent just plainly stupid and actually know what they are/were doing but just faced some obstacle or something. Refreshing and easy to listen to, congrats to both of you, thanks for this.
So happy to see a good one! Hope she gets her money back
Regarding the $1000 emergency fund, Dave Ramsay does (or did) recommend that as a starter fund for people up to their eyeballs in debt and needing to stop digging their hole. Then focus on the debts, then build up to a full 3 to 6 months.
I haven't listened to him in years, though. He's fine in small doses, but he's from a different generation and sometimes sounds like a lecturing parent.
She’s doing pretty well honestly I’m rooting for her
For someone who’s not financially savvy she seems to have good instinct on how to keep her head above water.
Hope she can get all the little things sorted that will give her worlds more breathing room.
Caleb I would love to see you found a personal finance education non-profit. So many of these young people have never heard these basic ideas, and no one is teaching it to them!
she's in a good spot and this is what a financial tune up looks like. great work on both sides of the table.
Her: "I feel like I stressed you out"
Me: "you should've seen last week"
HAHA
Hey Caleb…..do these and other folks A HUGE FAVOR. Please put together a video on what you need to know about getting paid, benefits, etc when you are considering accepting a job offer…I would gear it for people just out of High School or college. I remember being so thrilled to get a coveted job when I was young and thinking nothing of being paid as an independent contractor and really got myself in trouble with the IRS later on. I took care of it (I had bought Disney stock as a kid so I sold it and didn’t need to ask my parents for money) … I’m financially set now (I’m 62)….but so many clueless kids/20somethings on your show. I love what you do! Please consider creating that kind of helpful video or series…. Not as an advisor just a guy who’s learned and seen a thing or two.
Your mom is almost my age. She needs to grow up! The mother owes her an apology and her money. I hope she can get her money back so she can better herself. And yes you can cut out family especially when they are being toxic and crossing boundaries.
Caleb you analyze other peoples finances, it would be interesting to see an updated analysis on your financial standing? Might be a good basis for people to follow?
At 100k subs :)
As an LMT, I can tell she has no clue what her value is or what amazing opportunities are afforded to her profession! I just want to wake her up!!!!!!!
Agree!
20:24 Poor girl. Kids need trust and respect like they need food and water. Without it they wither and die in a way.
My mom has done allot of shady ish to me and my brother. She took us to court, stole from us, it was allot. I felt anxiety for her when she was talking about how she doesn’t like confrontation- same girl, same! 😭
I had something similar with my mother. I moved across country and lost contact with her. Best decision I’ve ever made in my life
@@awill3454 I did that too!!
My question is why not ask for a paystub? That could help clear up a lot of confusion on income in some cases. Especially gross vs net, you can also see medical/dental/vision come out, as well as outflows for 529s ,401k information, plus any stipends for things as well.
This person is better than the others in the new episodes. Rocking it! Haha.
hey caleb! great channel. im a consumer/HELOC loan originator, hoping to someday become an underwriter. :) you’re really bright, and the way that you in such quick form run down people’s finances is really impressive.
have you ever thought of doing short little side-series videos breaking down basic stuff that people on your show run into a lot? you could make one about your opinions on CC use, use of net income by percentage, different methods for saving like envelope stuffing etc, retirement/ROTH/other investments, stable mid-risk investing, etc….
🔨🔨 🔨 Hammer Time!
Often only works 30 hours, maybe less. Go back to your roots and do some part-time on the beverage cart to speed up emergency fund and increase income in the short-term. Great job avoiding really bad debt. Drive that car till the wheels fall off.
This video is another reminder for me to start my emergency fund asap!!
ASAP ASAP
Parents stealing money from kids is way more common than you think
one of the fun parts about binging these videos is how your subscriber count shoutout slowly increases
One of my favorite guests so far. She's clearly intelligent, listens, is kind, seems like a great person. So much better than the people coming in whining with unlimited excuses no matter what. They are losers, this girl is not
i keep hearing about credit karma on this channel so i went and checked my credit and it's 822. holy shiiiiiiit! now i want to run up some debts and go to mexico