@@youtubekeepscensoringme3357 at least he's not in the equation. He pays nothing but owns nothing. That's not the same as a husband that makes stupid decisions that ruins wife.
Wisdom is being able to listen to those who know more about something than you do. This often comes with age. All those idiot 20-year-olds have zero wisdom lol
Please do more interviews with people 30 and up. I enjoyed this video so much more than some others. She was knowledgeable about her financial situation, and takes responsibility for her choices.
Personally I like the audits with younger people more because I can relate more to them and I feel I can learn more from their mistakes but this audit did genuinely feel refreshing in the sens she acts responsible.
@@10eola80 maybe but I feel like the younger people are sooo far behind that everything they are going through is sooo rooky mistakes that I have no use for that info and is more frustrating then anything else. I get more out of the more responsible audits and they have more insight to something that I have missed in my personal finances
Financial abuse from a spouse or former spouse is not something that gets discussed as much as other forms of abuse but it is a very pernicous way to abuse a partner
@@MRkriegs she has 4 kids, that's 675 a kid. Dude wrecked her credit and took their 250k retirement. She deserves way more than that. Plus she works full-time and we don't know if Dad even has the kids at all.
And it happens everyday Including family My sister took things out under my name in the THOUSANDS And probably learned from my mother who stole from my grandmas social security People man Who do you trust with your future
We need more cognitively stable people like her. Idk if it’s a age thing or if the producers just suck at screening sane people, but we NEED more guests like this one
It's amazing how much less resistance Caleb gets when auditing a person with actual responsibilities, direction, and retirement goals. Even if they are not sure about what they're doing, they are fine with making changes.
Because the kids he interviews have no life experience and haven't had to live or struggle yet. They all make me irrationally angry, to be honest, lol. Especially when they just laugh at his advice like they're not going to use any of it to better themselves. I'm getting angry just writing it.
@@AndrewTheHoff It depends on the person. From the moment I could work, I always had my $hit together. Funny thing is, nobody showed me how to manage money/finances. I guess I just had a natural interest in it.
I had to laugh when she said “I put $30 in for them…and now they have $33. It’s very exciting.” I love her personality. Really enjoyed and learned a lot from this financial audit.
I think she's actually killing it with all the stuff she went through. A sizable emergency fund, close to $200,000 invested, a morgage getting paid off. I know a lot of 45 years old a lot worse off.
Agreed. I’m 50 and retirement is always at the front of my mind, but my wife and I max out our 401ks and keep a decent savings account. Automatically save money every month. It’s a struggle but if it was easy everyone would do it
@X3 Dominator 50 is still 15 years from retirement. Save $500 or so a month if you can and you'll still be comfortable. And the retirement landscape is changing to. I don't know if I'll want to just call it quits at 65, I like contributing to the world. For me, I just want to make sure I have options if I'm not physically able anymore.
@@Chiefkitnmitnz As someone who is close to 60, you have to consider that some employers don’t want to keep older employees or treat them right which makes for a miserable work experience. Some employers are good, but a lot are not. If you are self employed, a customer also may want to work with someone younger. My point is that some people may not have complete control of their retirement date. I also realize how much shorter my life is and I can’t wait to retire and spend 100% of my time doing what I want to do. When I was younger, I thought working forever sounded good and productive. I feel completely different now. Save as much as you can while you are young to give yourself options.
This lady was great. Super attentive and mentally present the whole time. She took everything Caleb said seriously and did her best to be truthful without defending her ego, unlike 99% of other people on this show. I hope the best for her!
I was screwed out of 5k in a bad renting situation because of someone else. This was a decade ago and I still get worked up about it occasionally. The grace she appears to have and the serenity she appears to display is mind boggling. She is such a warrior.
And most likely the ex forged her signature. I’m fairly certain you can’t do much with retirement funds without your spouse literally signing off on it. But she probably wouldn’t press charges against her kids dad.
oh it's killing her on the inside she's just hiding those emotions since she is talking to Caleb to help with her finances since she has her priorities straight.
@@HoustonTomShe seems pretty smart. She'll get that money back over 10 years of child support but she'd not get a penny if he was in prison for fraud. It's grossly unfair that she won't see justice but she's doing what's best for her and her kids. She's chosen survival over vengeance. I admire that.
So, an ex-husband who totally screwed her over. She had $50k in cash stolen from her house (and seems, in the vague way she explained it, that it was done by someone she trusted). And now a Partner who doesn't work and runs up her credit card bill? This woman is so sweet and trusting but her need to be loved continues to sabotage her. :(
It is very possible the partner helps with the kids. Ii don’t know if that’s true for him or possible but just because you don’t have a job doesn’t mean you’re a deadbeat.
In some ways this is a lot more interesting than the 20-somethings usually on this channel, since she has so much more going on (so many sources of income, many kids, having to really think hard about retirement)
You are so correct. I would love to see some or any young person that works a good but walking the latter upwards. I can't believe how non are in any retirement plan. They are looking for being hired as a OWNER and wonder why they can't keep a job. Hard work is way to hard hard to do because it stops them from playing video games. I would love to do that for a living because I'm really good. I'm trying to save up to get out of my mom's basement. She is on me all the time, like taking out the TRASH. She thinks because she works 70 hours a week, she shouldn't ask me to do EVERYTHING around this place, I'm not her slave. How old are you? Only 36 years young. What is in your savings ? 700 hundred in savings bonds that my grandmother gives me 100 big bucks EEE savings bond but that cash cow kicked the bucket this year. So no more gravy train. The positive thing is she left me all her modes of transportation. Lucky guy, turn your thumb towards himself. What kind of transportation? It's a classic for sure. It's a 1989 Ford Grenada with Ford's most powerful they ever made. What kind of gas mileage? 6 miles per gallon if I stay out of it. It's a little loud because it's tapping real loud somewhere ? Lost my drivers license because of no paying all of my child support . How many kids 6 that they proved, how much behind are you? Not bad, I've knocked it down the 100 savings bond to get ahead, but guess what? It's not really 100 bucks unroll 5 years so I STILL OWE 99,943.45 THAT'S IT. What did it start and how long have you owed this. Uhhhhh uhhhhh. It started at 100k and the lawyer fees for her and my lawyers, taxes penalty is a separate ACCOUNT. Oh God what is that balance ? Round numbers ? Please. It's a shade less than a million and way higher than 500 grand. I don't have an exsactly PERFECTLY clear number, but I paid it way down. Great job how much has you paid down ? I'm putting my last windfall check from Grammy. It's going to be hard not getting that scratch anymore. Dang it's hard to save money, WHAT MOM, I'M WORKING RIGHT NOW, I PUT IN 7 INTERNET JOB APPLICATIONS IN TODAY IN HONOLULU BECAUSE FOOD IS EVERYWHERE FREE FOOD GROWS EVERYWHERE AND IT'S TAX FREE IF YOU GET PAID UNDER THE TABLE. SEE... I HAVE A PLAN TO NOT FAIL, SO I JUST FAIL TO PLAN AND IT COMES OUT RIGHT EVERY MONTH. LOL NEAL
This partner, about which we know very little except they do not contribute income to the household and when given access to this lady's credit card, immediately ran up thousands of dollars of cc debt, is very alarming for a person who has a history of being very badly taken advantage of. Kick that 'partner' to the curb.
But look at her ex husband. A lot of this is her fault. She clearly has a problem with choosing men who make less than her. People do that for the perception of control. Shes probably a huge control freak and doesnt like NOT being in control.
What she proves, is how important a good support system is. Her family has been amazing allowing her to gain property ownership despite not being able to do it on her own.
White people pass their resources down which helps the future progress better…she has gotten a lot of family support I doubt she would be able to survive with 4 kids without family assistance
Just discovered this channel today at 10pm. It’s now 3am and I’m still binging it. Worth it! So far I absolutely ADORE this lady. Her energy, positivity. I’m so sad that people have treated her poorly. Please can we get a follow up at some point!
My jaw dropped with how much money has been taken from her. She is a warrior for coming out on the other side of that with such determination and drive. She’s my favorite so far.
@@tbayhell2304 he took three properties and then didn't remove her from the mortgages and then didn't pay them to the point of foreclosures. Likely pocketed the money from the tenants and left her with nothing but bad credit
@@krispotter6844 maybe there was a reason for him to justify his actions, or that there was an agreement beforehand? I'm just saying with my own personal experiences, I wouldn't be too quick to judge based on one side's testimony and evidence. You'll never know what they'll hide to make sure the other side looks bad.
Brooke is such a breath of fresh air on this channel. I love her bubbly attitude and actual willingness to take your advice. So painful to hear that she had had something in the order of $300,000 stolen from here ON TOP of losing those properties..
@@Natedaschoolboy doesnt give her the right to rob him either, do you really need $675 per child a month to take care of that child? That money is suppose to go just towards food, shelter and clothing for the child. Im a full grown man and I operate way, way under 675 a month, its total BS.
@@wahldt623 Meh goes both ways regardless, kids are expensive asf, unlike grown adults they can't survive on their own and the environment they are raised in affects their chances of future success - hence why a lot of billionaires today came from well-to-do upper middle-class and above households
I know it is a lot harder to get 30s and 40s+ people to come on your channel and divulge their personal finances but when they do it is so interesting and extremely helpful to see how challenging money management can be when you have competing responsibilities.
I wanna go on there so bad, 33yo 98k equity, 60k savings, maxed IRA, investing portfolio $25 a day, no debt $100k plus income a year, rental portfolio, I live off of 1k to 1500 a month
Caleb, this channel is amazing. I happened upon it and it’s completely revolutionized my budget in the last two days. I’m 33, my husband and I both work full time, and I’m struggling with PPD after the birth of our second (and last lol) 10 months ago. The finances/budgeting took a hit with a complicated pregnancy and complications after…and I’ve just been free floating doing the minimum. Thanks to you, I’ll be doing THE MOST and I started yesterday creating spreadsheets of spending and I’m working on a budget TONIGHT. As you say, debt is disgusting and it’s time to clean house. We’ve accrued some debt and continued spending like we didn’t. NO MORE. Eating out is over until the debt is gone. No “fun,” until this is over and the real fun can begin. I’m planning meals, creating budget-friendly healthy grocery shopping, and I’ve deleted any and all shopping apps from my phone, subscriptions are gone. It’s like the channel was the Windex to the depression-streaked glass through which I was seeing life. Thank you for what you do, it’s making a huge huge difference in my life.
This lady’s story is so similar to mine…40s, divorced, 4 kids, several jobs that bring in a decent amount, single income. Ex trashed my credit and I built it back up. Only just started the video so we will see how Caleb handles her situation!
Bookmarking this! The only real difference is I don’t have a partner living with me and he earns a very good living. He is mechanically inclined like her guy but he would never need to borrow one of my cards and run it up like that. I think she needs to rethink that partner. Thanks to Caleb for this audit that I can apply directly where I’m at!!
I really like her and wish her all the best. Can we get a follow-up episode with her in 6 months to 1 year? Also, please do more episodes with folks over 40. Everyone has different life experiences, and we see in this example how divorce can crush you financially and what it takes to rebuild.
She crushed herself. She allowed it all to happen. There is no way I wouldn’t have got my name off those properties or even let him have them. She lets a leech live off her and robs her ex of $2700 a month in child support which is ridiculous. She’s a common woman who doesn’t take responsibility for her poor choices. Typical poor me modern woman. And remember,this is HER side of the story. I’m betting there’s a whole other side.
Getting some older people on the show has been a great change of pace recently, you get to really see how different things are when they aren’t only thinking about themselves because they have kids, etc
And I think for some people it's just overwhelming so they kinda ignore it. Then look up and you're 45 with kids heading to college and not nearly enough money coming in.
@@seeking70 it is, but the priorities are very different at that age. It’s great getting an idea of what people at all ages are focusing on financially once their lives have progressed a little more.
The audits with older guests are so much more impactful to me and have more lessons to be learned. Though i suppose the older ones are rarer bc they are less likely to be on youtube anyways.
I always get a kick out of how youngsters think older ppl are dumb. Many of us got CS degrees in the 80's and are still woking in programming at 63, 65, etc., lol.
Dude this channel is a FANTASTIC idea. I’ve been binging it all day, and it’s really motivated me to get my finances under control. Im only 21 and make good money for my age, especially since I work 65 hours a week, but I’m not fiscally responsible. I just spend when I want to and don’t really worry about it. But I’m making a budget TODAY and thinking more about my life decades from now. Time to figure out how to get an IRA lol
@@RealBoiJare I’ve actually got a good nest egg going, I’ve got like 12k rn but it’s just sitting there. I’ve been meaning to get into low risk low reward long term investments but it’s a little overwhelming sometimes. But I’m scared of being in a similar position as the woman in this video and having to stress about retirement at that age. But I’m gonna get on it this year!
@@GhostyGhost7007 the best thing you can do is get in early. I wouldn’t worry so much about it being low risk as a young age in the best time to be a little risky. You don’t have a family or anyone else to support yet. It’s more risky to be holding out and not taking some risks
@@CalebHammer Caleb, you looked very at peace and it seemed refreshing for you to have a receptive responsible person who just needed a little bit of guidance on your show
@@CalebHammerI agree. More 30’s and 40’s because the content is a lot more relatable to people actually trying to improve their financial situation. 20-something’s seem indifferent and take things too lightly, which is probably what has made your reaction videos so famous/funny.
God, when life roughs you up that badly I guess you just sorta have to roll with it or go insane. After her husband took 250K from her she should have paid an extra 5k to have someone take his legs from him.
I was going to get interviewed for this channel and I chickened out because I knew the answers to my worries. I left the leech ex and started working 72-80 hours a week and left my dog at my family's until I can catch up... I feel miserable but at least I took action before it got worse.
Hey, nothing to be ashamed about. Glad to hear I'm not the only one working 70-80 hours a week, lost my footing back around 2008 great recession (only job I could find was delivering newspapers at 40 yrs old) been playing catch up for the last ten years working two full time jobs. That being said always take care of your health and find time to sleep. Best wishes.
Keep going. Youre doing the best thing for your future. Great job. Pay off the debt and then never let anyone think youll buy their stuff and pay the bills alone. And youll be abe to get your dog a great bed and spoil rotten!
If you're in the area, you might want to go anyway. It's great that you're making moves, but Caleb might be able to help you make some decisions to get clear faster. Plus I'm sure he'd like to interview someone who is already making efforts for a change. Edit: I was going to say something about waiting a few months, but then I saw the age of the comments.
Your vids are helping spread vital information that we are not taught in schools and your making it popular and entertaining to watch. TH-cam needed this
@Elephant In The Room Dave Ramsey feels like a late night infomercial. Caleb's one on one approach feels more like help and tells a good story as well.
@@lot2196 Teaching kids sound financial skills would create successful money management, not the ignorant poverty ridden over spending wage slaves that are currently adding to the decline of the US. Drag queens are just MAP groomers preparing ur children for your leaders perversions. That's why!!!
I just found this channel tonight and within about 10 minutes I decided to pay an extra $500 towards my credit cards this month. This is such great advice and makes me scared of letting my debt get out of control. I’d much rather have less in my checking account and work towards eliminating my debt than having the extra expendable income I would’ve wasted on things I don’t need anyways.
Why does her partner not work or contribute to the household? Her children are self sufficient so she doesnt need a stay at home partner. That was glossed over real quick
@@annadeec6676well it really any of his or our business. Maybe hes disabled, maybe something hes between jobs. I notice many seem to really want to make up a story in their head, with very little info
Im so happy you’re helping her. She’s reminds me of my mother who is super kind hearted and hardworking but a bit naive and gullible when it comes to her love life. She seems like she spends the bulk of her time, money and energy trying to take care of everyone else and forgets to make sure she’s covered and okay. People like her attract folks who want to take advantage and I’m skeptical about that new partner of hers who had access to her credit card/no job. Caleb is better than me cause I would’ve added “also break up with your partner unless they get a job 🤣”
It really any of our business, he could be on disability or between jobs. I dont understand how ppl recreate a whole story based off of so little knowledge
@@user-ku5vm5jb1h They are still absolute hypocrites, theyd never say this about a woman in a relationship with a man, from the knowledge shared here. Both men and women are breadwinners now, its a strange gendered double standard
Listening to you for weeks now stopped me from financing a Tesla (50k debt) and being happy with my $330/month car. Literally cancelled my appointment today lol. I’ll let you know if my mind changes and maybe I’ll need to make an appointment with you hahaha!
Don't do it. Low interest car payments in a normal pree-COVID market suck enough as it is. I'd give anything to go back and have bought a car when it was 3% and low mileage used cars still in a reasonable range.
I love seeing these with older people. I’m 27 but have one child, own a house, and run a farm. So it’s nice seeing people that are slightly more relatable.
It is refreshing but what's scarry is just how many people he can find that are in absolute financial turmoil. It seems like what's relatable to most people (not me, thankfully) IS having an insane amount of debt and reckless spending habits
The fact that you were just at 50,000 subs, and now are almost 20,000 away in a matter of WEEKS shows how awesome your content is. Good luck man, much love. Hope to be on the show again soon
She is an incredible mom with a level head on her shoulders. Especially after everything she has been through. It's easy to let loose after life hits the fan, but the persistance she has and the uplifting attitude she has on her life is truly amazing. Props to her.
This lady is so likeable. It's refreshing to see someone in the show that takes their financial life seriously. I would love to see this lady back in the show for an update.
Sucks that she went through such a tumultuous divorce, but she is killing it with her income. Great video and advice as always Caleb, I think ultimately she will be okay!
Caleb, it's always fun watching your usual dumpster fire episodes, but I LOVE having an episode with a Mom and a person with good income and halfway decent financial situation. I love your show but I'm always trying to stretch it in my mind to apply to a family and a non dumpster fire situation. Please do more episodes like this! Brooke, thanks for your transparency and awesome attitude! You are a warrior!
Everything was sounding OK until she said she has a partner living with her with no income and didn't try to explain why. I suspect this is where things are going to go downhill 😅
She makes terrible choices. She’s not great. Gets supported because of her kids, gets rental $ for something she also didn’t earn and let’s a guy leech off her
She sounds like an amazing mother and super resilient person. The fact that she’s absorbing all these financial (and presumably emotional) hits while raising 4 kids and preserving this kind of positive attitude is pretty fantastic. You can tell she was raised right by her own supportive parents. And while she may not be a financial wizard, she definitely has the right financial instincts. That being said, I found it awkward that a 20-something year old is giving a 45-year old mother of 4 some pretty basic financial “advice”. This was great from a neutral 3rd party learning and entertainment point of view - but she needs an experienced financial advisor that really know what they’re doing and having similar lifestyle values. Stuff like paying for children’s college, taking care of elderly parents, divorce and older adult relationships is out of Caleb’s wheelhouse. I say this all with due respect. I give her lots of kudos for putting her business out there and raising some sharp kids.
I don't think you need to be of a certain age or have children to understand her at an emotional level. Also better to take the emotions out of finance to be able to persevere the way she is. She looking for advice not a friend. The financial advisor could be 20 years older than her without children and still give pretty basic advice as Caleb already did. 529 plan common knowledge. Several kids well scholarships/community college first. She also already has some concept of finances which is why she may not have been as fun to watch for some -
@@Sophie3647s I really don’t agree that a 20-yr old could give her good financial advice simply because 20-yr olds don’t understand the priorities of her unique situation. She isn’t another 45-yr old person that’s struggling with credit card debt and doesn’t know how to save. Her priorities are which of my kids should I assist and how much by when? How does that align with my own retirement priorities and other obligations? Yes of course everyone knows what a 529 is but while “the book” tells you to save for your own retirement first and have your kids apply for FAFSA and take in student loans of their own, well if your kid has a shot of making an Ivy League school of her dreams, how shitty of a parent would you feel like if she couldn’t attend because you can’t afford it for your kid? No amount of articles about “state schools are 80% as good as Harvard” articles will take away that guilt. Or if she suddenly has to take care of her own elderly parents, then what? Tell her parents that have supported her while she was in need “sorry mom & dad, I’ve gotta take care of my own retirement first.”??? That’s preposterous. Or in the case of divorce, I’m sure you should pursue the max amount of alimony and child support you can from a financial standpoint, but do you go after so much that it cripples your children’s father financial situation that it makes him resentful of the kids or not allowing him enough time off to visit the kids? My point is there are a lot more nuisances in her situation other than just math. There are relationship dependencies and a great financial advisor should be able to give her lots options with pros/cons - not regurgitating basic formulaic “rule of thumbs” catered to 20 y/o’s with no savings or people in a financial hole that just need to climb out and start at zero.
@@skylinec83 Then make ur own channel and you can be every single mom or dad friend since your so invested Edit: I also didn't say 20 years old I said 20 years older. That's the problem with people with children they think there special. The formula is the same for everyone. No debt, work, save, invest, and you will be able to help others be kids or aging parents
@@skylinec83 That's just being biased and agist. He was 100% on point about his advice and when it comes to finances, you have to keep emotions out of it. Your scenarionof her maybe needing to support her parents only further proofs how right he is that she is simply not in a financial position to support her kids through I don't know what private school. She has been screwed over by 300k when you put it together PLUS several houses! The biggest favor she could do to her kids is to put her retirement plan first so that she won't rosk being a burden on her kids later on financially. And she's 35yo for christ sake not 50! It's just like how the older you get the higher the chance that your boss will end up being younger than you, but as long as they know their shit, they are in the leadership role. Yes she doesn't have lots of debts but given how many kids she has it basically puts her into a similar position financially as someone who has to have a strict budget to get out of debts. Best she can do is helping their kids outbof emergencies in a month that is difficult. Every parent wants to be able to offer the world to their kids hut what you want and what you can are not the same things. Her ex screwed up that option.
@@JustLIkerapunzel She's 45, not 35. Despite her financial woes with her ex husband, she is still in a good enough position to have options when it comes to how to spend her money. This isn't the Dave Ramsey crowd where it's a strict playbook/rules that they have to follow. When you have some money, then there are a variety of ways to deploy that capital to suit your needs. Yeah if you're broke then you have no business spending $5k on surgery for you dog but if you've got $50k saved and the dog means that much to you, then it's not a clear cut answer. If your kid really has a shot of getting into an Ivy League college, I would low-key judge that parent that had to pull their kid down to state school instead if it was a choice.
*Just some feedback*, only if you don't already do this. create a summarized bulleted list of action items for all things the person needs to do going forward. Because sometimes I feel they get so much info thrown at the time it's hard to remember anything
I enjoy these more because it seems like a majority of your young subjects don't understand that they will blink and instead of being 23 they will be 43 and those bad decisions have possibly ruined what they did not realize will be a huge chunk of their lives. When you talk to people who already have that perspective, it's always refreshing.
@donaldlyons17 it's not but i didn't say that. I said its refreshing to hear him tell someone this is a plan you may want to follow and they don't respond with something like i have plenty of time to fix this because honestly........they don't they just don't realize it.
@@coreyvaughn-patterson2668 No those young people do have plenty of time to fix issues but it will depend on factors.... A year is plenty of time if conditions are right....
@donaldlyons17 thats only true without context. Everyone who is broke at 35 was probably broke at 25 and it can lead to them being broke at 45. I don't even think everyone has to take such drastic steps like caleb suggests( except for the truly terrible ones) but you have to at least build some awareness when you are young. Things are hard out here and it doesn't look like the people up top have any interest in helping us so you have to take steps to secure your future. People who tell themselves they have plenty of time are people who often run out of it.
i loveddd this episode, listening to someone who is taking it seriously and going into more of the details than just budgeting basics. also she was so pleasant and even with everything taken from her, she is so resilient and positive and actually listening to the advice provided. i hope the best for her!
She's sooo much better along than many people at the same age who have gone through way less financial abuse. Thats awesome and she is pretty aware of things, not all of the deets but love this whole session for her. It will open her eyes to the seemingly small things that make a difference. Best of all, she seems like the type to implement the advice. I hope she no longer gets taken advantage of again
I can't believe she lost 50k in cash 😱 I don't think ever seen that much cash before, I can't imagine how utterly devastating it would be to find out that was stolen
Her story sounds fishy. Claims to not know a lot about her interests rates, 401K, husbands intentions, parents financials and dad and parents plans to pay for college. Also who keeps $50K in the house in easy place to find. No safe or bank?
I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for. My portfolio lost $18,500 last month alone, my earnings are tanking, and I can't see how my retirement will go smoothly when I can't even increase my stagnating reserve. I wonder whether those who lived through the 2008 crash had it easier.
A 2020 Northwestern Mutual study found that 71% of U.S. adults admit their financial planning needs improvement. However, only 29% of Americans work with a financial advisor. Additionally, emotionally-charged decisions to sell off large quantities of stocks or other investments now lock in your losses, removing any chance for future growth. Research suggests people who work with a financial advisor feel more at ease about their finances and could end up with about 15% more money to spend in retirement.
@@MatthewVinson I agree; for over 17 months, I've maintained regular contact with an investment advisor. Nowadays, it's really simple to invest in trending stocks, but the challenge is knowing when to sell or hold. To support me with entry and departure points, my advisor steps in. Within 18 months, I've accrued almost a million dollars from an originally stagnating reserve of $200k.
@@84gaynor I'm happy to have stumbled upon this discussion. If you don't mind, could you tell me the name of the investment adviser who helps you with your investments and how I might contact them?
One of the best financial podcasts I've ever seen, hands down. Brooke was so amazing. Takes a lot of guts to put yourself out there. Very inspirational!
Have to say as a neuro-atypical person, I really connect with how she calculates based on a total daily limit. Budgets by category are stressful to me. So I put all my bills and dedicated savings on auto-payment. Then for clothing, food, and entertainment I give myself a daily limit like she does. Just easier for me to keep track.
Whatever works, is the best way. I also think a million buckets in a budget just encourages a person to take from one bucket where there is extra, and shift it over to a bucket you overspent on. I see it all the time too with the stupid cash stuffing envelope videos. Just pay the bills, eliminate debt, put money in savings and retirement, and whatever is left is your pocket money for the week. Pretty simple.
Wow, I am EXTREMELY glad I found this channel. I'm good with my money but watching these videos motivates me to stay on the right budget track, and also have compassion for people who don't quite have their finances in line yet. Thank you Caleb!! Cheers!!!!
If she just puts a little of that tremendous energy into learning about personal finance, she will be doing great in her early to mid 60s. Needs to get organized and know all about where and what her money is doing.
This was one of my favorite episodes, Brooke was a breathe of fresh air. Sucks her ex-husband was so shitty but her positive attitude and willingness to follow the ~*not financial advice*~ is awesome! Wishing her the best 🎉
He was shitty but she picked him. She also picked another leech to live off her. This whole thing is her fault. She didn’t get er name off the property, her fault. She’s acting innocent. She’s not. She’s responsible for every choice she has made but woman seem to get a pass and blame the men. If he head was on straight she never would’ve lost those properties and credit. She’s robbing her ex for $2700 a month, which a crime.
The only real mistake she made was getting married to this guy. My dad always said marrying the right person is the best financial decision you can make.
I really liked her. I’m 40 mins in (so not sure if it’ll come up more later on), but I would have loved to know more about why her partner is not earning any income. I’m not trying to judge or criticize; I just can’t imagine raising 4 kids being on my own financially, essentially. But hey! Some do it without a problem. Good on her! Great one, CH!!
Because shes chasing Chad and is probably a control freak. I know I wouldnt feel the need to contribute to someone who refers to me as "their partner." You girls need to drop that, its insulting and disrespectful. Makes men not feel bad about not contributing. Shes just another modern woman with the ugly nose ring who thinks she can juggle everything on her own. She clearly has trust problems, like most modern women. Chad really did a number on yall. Look how bad shes aged for 45. Too much responsibility, too much worrying. Its taking its toll.
@@choreomaniac that's femalese for tweaker, drifter, and grifter. If you are a single woman over 30 this is what you will be getting for a partner, or skippy the 45 year old virgin. Them or a dog. Choose wisely.
Really enjoyed this one. I’m 23 and it’s nice to see interviews with people older to get different perspectives especially someone whose dealt with some real life stuff
I know this video is two months old but in case brooke comes back to this, I just wanted to wish her luck. she reminds me so much of my own mother, who I think would have loved to have an experience like this when I was her kids' age and it would have helped both of us so much. you have a giving heart, brooke. just remember to take care of yourself too.
I've now watched over 20 videos and this is my favorite. Sucks about her past with her ex and the cash loss but she seems like someone who cares for her kids and cares about her future. I hope she grows her retirement and continues to pursue the work she loves.
It's nice to see interviews with people who have children and are considering retirement. This woman is me in 10 years so it was good to see how things like divorce, college planning, and retirement can impact your budget.
Really loved this episode. It’s so refreshing to see these vastly different situations & learn more about finances. This is much easier to digest than someone just rambling off what they think you should do with your money for 20-30 minutes. Watching Caleb explain & interact with different guests puts things in perspective. He’ll be at 100k subs in no time. Thank you so much for creating & sharing this content. 🥺❤️
This channel is helping me so much. I'm 31 and have barely any financial literacy. It's just super confusing to me. Fortunately I don't have kids, and don't plan to, but I also don't want to have to worry about retirement in my 40s. I'm getting it together NOW, but I really wish I would have had some classes in high school so I could understand money and have a health relationship with it. I feel so panicked trying to sort this out now, but I'm going to stick to my plan, and congratulate myself every time I stick to it and know I will have my debt sorted by the end of next year, and will make smart money choices moving forward.
So far I'm only 10 minutes in and I'm really enjoying this episode! I'm currently 27 years old and most of the episodes I've seen featured guests who were younger than me. It's interesting to see a more matured perspective and although she got screwed over with the 3 houses, I'm proud of what she's doing not only for her wallet and credit score, but for our community also! I plan to donate to her nonprofit because prison reform is very important to me. I know it's so critical to have different educational and mental health programs in prisons to truly rehabilitate these troubled people. 95% of inmates get out at some point, what kind of people do you want getting released? People who have had access to education and programs and have regular calls/visits from their loved ones? Or someone who has been abused by the system, been told they're worthless, and have had to fight for their survival?
Loving getting more mature and older people like this. They have experienced life and are open to listening! I would look into adding more bonds to portfolios in age and doing more research into that!
I am new to Caleb Hammer but I am a major fan. Sincerely considering saving for a trip to Austin and trying to connect with this prodigy of a financial guru in the making for a financial audit. Love this so much.
I think this was my favorite episode so far. So upsetting to hear how much money has been taken from her. But it seems like she has a great head on her shoulders and will be able to meet her goals. Or at least come close enough to them
I’ll be honest, I’m a 25yo male living in Austin, just got out the military, I made a lot of mistakes with credit cards and have other debt. I have never made a budget, and I have always been living paycheck to paycheck. I’m struggling. I could really use a financial audit even though it would be nerve racking, I really need to hear it from someone like you.
I wish parents didn't stress themseleves over putting their soom to be adult children thru college. College is a choice the 18 year old makes and thus, in my opinion their own responsibility. I paid my way thru and it taught me to value the time and effort I put into my education. I applied for a shit ton of scholarships throughout my freshmen and sophmore year and I got a ton. I won't be paying for my kid's college, I'll save that money for travel and enjoying life. But if you want to and are able to, you do whatever you want to do. I just hate seeing parents feel like it's a mandatory thing.
This has to be my favorite episode! I’ve been binge-watching financial audit and I’ve been sticking with the 20 year olds because that’s me (and it makes me feel better/puts the fear of god in me haha)… Glad I decided to watch this next. She’s doing so well considering everything she’s gone through. I wish the best for her!!
Just a few minutes in: Her partner doesn’t bring in any money & her ex stole her retirement? 🤔 No judgement, but I see a common denominator! Update: I finished the episode & it got worse. She allowed him to charge $3k on her credit card that he’s trying to pay off in 3 months. What does he do with his earnings? She should pay it off, not tell him, and continue to take his payments. I say not tell him because he may not be prone to continue payments if he knows she paid it off. Also, idk if she’ll stand up for herself if he doesn’t pay her back. Caleb, I was very surprised that you handled her with kid gloves. She needed to answer for some of the decisions she’s made.
The ex is paying $2700 a month to this nut. That’s over the average American income. She’s lying about the details. He was probably down in his career and she left him and decided to go for a jobless bum.
Just watched this while organizing my personal finances, what an unfortunate situation with the ex-husband but the resilience and realness of her mind is crazy
Enjoyed seeing a diverse group of guests especially 40s and above as their financial situations are complex and interesting. I like the positive vibe from her even though she has been through a lot of unpleasant financial experiences. Taking care of 4 kids is not easy at all 👍
If her partner has car mechanic skills, and can fix at least some things on her car based on what she said, then it sounds like he is capable of working to some degree. It seems like he should be working at least part time as a mechanic unless there is something else going on that wasn’t revealed that would prevent that.
Yes and no. I work on my own cars. I'm self taught, starting back when you had to read books because there was no such thing as youtube for help. I work on my own cars and I'm the guy my family members use to work on theirs. Even with all my experience, I have zero qualifications. No auto shop would hire me to do anything more than oil changes. I feel like this lady's partner can go get a job and contribute. Without any sort of formal training and certifications, he wouldn't be making much in the auto repair world. Most of what would be available to him in this field would be dead end, low wage jobs. It would be better for him and her if he went down something that would actually be considered a career path rather than banging out hourly shifts at $8/hr.
Just love this guest of yours. She is so bubbly, high energy and upbeat. Wishing her well. I just stumbled on your financial videos and find them very helpful. Best always to you and your many guests
I like that you include people from all different ages, experiences, and financial pictures. She's been through a lot and I hope things work out for her
sending aaaall of my love to this woman, what an amazing resilient human being. She is clearly a giver, the important thing right now is that she focuses the next 20 years in giving back to HERSELF. She is not in position for paying 5 people vacations or extra fun, or financing a partner (which of course I don't know if she is doing but she should definitely not do it) she needs to focus in her own financials, in my opinion. She has provided all these years for her children, financially and providing a safe home. They will need to figure life out financially once they reach adulthood (18)- that's just the way it is.
I hope she is not repeating the same partner mistake all over again with her new partner. Not contributing financially, spending money on her credit card etc. Make me worried. She comes across as a nice person and I hope things work out for her. She got a raw deal with her ex.
Get more guests like her! Unfortunate circumstances but able to take action despite being slightly older demographic on the channel. Also, she seemed receptive to feedback.
Considering what she’s been through, she’s in an AMAZING position; if the money stolen had been able to grow, she’d be a millionaire or close right now; great that she’s kept pushing
I feel bad for Brooke. She seems nice and caring person, but man people take advantage of her. If that “partner” is not contributing money to the house, kick his ass out.
Prior banker here. One extra mortgage payment takes on average approximately 5 years off of a 30 year mortgage. I’ve had this discussion with a number of folks over the years who questioned the validity of paying bi-weekly on a mortgage that assesses its interest monthly. Edit to add: this is based on the additional payments being made from loan initiation. Also, if you have extra beyond the additional payment a year, absolutely, pay more. Just saying, some folks feel more comfortable if the payments are split and come out twice a month. If you can only make the one extra payment a year, it will still make a small but notable difference on the back-end of the mortgage.
I think this has been my favorite video so far. Just someone needing help but willing to change and take advice. I hope she does well after being wronged so much.
She’s SO receptive. This was so much more pleasant to watch than the difficult 20 year olds who can’t be told anything
@@youtubekeepscensoringme3357 at least he's not in the equation. He pays nothing but owns nothing. That's not the same as a husband that makes stupid decisions that ruins wife.
Right, and at 4:15ish she says “I do nothing” most 20 year olds would imply they do something “mentally” to manage the property lol
@@somethingsomething404 its land that an energy company uses and pays their family to least i believe . good deal
The proof is in the pudding.lets update this to see if she takes consistent action.
Wisdom is being able to listen to those who know more about something than you do. This often comes with age. All those idiot 20-year-olds have zero wisdom lol
Please do more interviews with people 30 and up. I enjoyed this video so much more than some others. She was knowledgeable about her financial situation, and takes responsibility for her choices.
I second this comment!
On the real.. it just felt like we actually got something done
Personally I like the audits with younger people more because I can relate more to them and I feel I can learn more from their mistakes but this audit did genuinely feel refreshing in the sens she acts responsible.
@@10eola80 maybe but I feel like the younger people are sooo far behind that everything they are going through is sooo rooky mistakes that I have no use for that info and is more frustrating then anything else. I get more out of the more responsible audits and they have more insight to something that I have missed in my personal finances
This is when keeping your opinions to yourself comes in handy. We need insite on as many ages as possible. All Information is valuable
This woman was so pleasant. Hands down the most attentive and receptive person ever on the show. Not defensive. Doing all the right things.
She needs to lose that nose ring. It’s a hitch point for a leash. Not an attractive accessory to a perspective suited
More attractive than all the 20 year old e-girls too 😂
Except her choices in men doesn't seem to be improving
Financial abuse from a spouse or former spouse is not something that gets discussed as much as other forms of abuse but it is a very pernicous way to abuse a partner
And unlike physical abuse, it’s not illegal, but should be considered theft and charged as such.
@@thaliakate444I honestly wonder how it is not. US laws never fail to surprise me.
The amount of money she gets in child support is the biggest financial abuse here
@@MRkriegs she has 4 kids, that's 675 a kid. Dude wrecked her credit and took their 250k retirement. She deserves way more than that. Plus she works full-time and we don't know if Dad even has the kids at all.
And it happens everyday
Including family
My sister took things out under my name in the THOUSANDS
And probably learned from my mother who stole from my grandmas social security
People man
Who do you trust with your future
We need more cognitively stable people like her. Idk if it’s a age thing or if the producers just suck at screening sane people, but we NEED more guests like this one
AGREED! This was probably the best episode to date!!
It's amazing how much less resistance Caleb gets when auditing a person with actual responsibilities, direction, and retirement goals. Even if they are not sure about what they're doing, they are fine with making changes.
age and experience
Because the kids he interviews have no life experience and haven't had to live or struggle yet. They all make me irrationally angry, to be honest, lol. Especially when they just laugh at his advice like they're not going to use any of it to better themselves. I'm getting angry just writing it.
Getting older you start to realize the stakes of getting older... Few understand this
@@AndrewTheHoff It depends on the person. From the moment I could work, I always had my $hit together. Funny thing is, nobody showed me how to manage money/finances. I guess I just had a natural interest in it.
A very pleasant change of pace to watch this conversation where she's positively taking his advice.
I had to laugh when she said “I put $30 in for them…and now they have $33. It’s very exciting.” I love her personality. Really enjoyed and learned a lot from this financial audit.
I think she's actually killing it with all the stuff she went through. A sizable emergency fund, close to $200,000 invested, a morgage getting paid off. I know a lot of 45 years old a lot worse off.
Agreed. I’m 50 and retirement is always at the front of my mind, but my wife and I max out our 401ks and keep a decent savings account. Automatically save money every month. It’s a struggle but if it was easy everyone would do it
@X3 Dominator 50 is still 15 years from retirement. Save $500 or so a month if you can and you'll still be comfortable. And the retirement landscape is changing to. I don't know if I'll want to just call it quits at 65, I like contributing to the world. For me, I just want to make sure I have options if I'm not physically able anymore.
@@Chiefkitnmitnz Better than me. I just want to sit on a boat and drink beer.
@Damon same. Right now I can afford a boat that floats in the bathtub
@@Chiefkitnmitnz As someone who is close to 60, you have to consider that some employers don’t want to keep older employees or treat them right which makes for a miserable work experience. Some employers are good, but a lot are not. If you are self employed, a customer also may want to work with someone younger. My point is that some people may not have complete control of their retirement date. I also realize how much shorter my life is and I can’t wait to retire and spend 100% of my time doing what I want to do. When I was younger, I thought working forever sounded good and productive. I feel completely different now. Save as much as you can while you are young to give yourself options.
This lady was great. Super attentive and mentally present the whole time. She took everything Caleb said seriously and did her best to be truthful without defending her ego, unlike 99% of other people on this show. I hope the best for her!
I was screwed out of 5k in a bad renting situation because of someone else. This was a decade ago and I still get worked up about it occasionally. The grace she appears to have and the serenity she appears to display is mind boggling. She is such a warrior.
And most likely the ex forged her signature. I’m fairly certain you can’t do much with retirement funds without your spouse literally signing off on it. But she probably wouldn’t press charges against her kids dad.
I am pretty sure the 32k a year from the ex in child support has helped with any sour grapes.
oh it's killing her on the inside she's just hiding those emotions since she is talking to Caleb to help with her finances since she has her priorities straight.
@@HoustonTomShe seems pretty smart. She'll get that money back over 10 years of child support but she'd not get a penny if he was in prison for fraud. It's grossly unfair that she won't see justice but she's doing what's best for her and her kids. She's chosen survival over vengeance. I admire that.
@@Draggonny🙌🏾🙌🏾🙌🏾🙌🏾
So, an ex-husband who totally screwed her over. She had $50k in cash stolen from her house (and seems, in the vague way she explained it, that it was done by someone she trusted). And now a Partner who doesn't work and runs up her credit card bill? This woman is so sweet and trusting but her need to be loved continues to sabotage her. :(
I am sorry but she is too old to agree to have a "partner" that does not work and help out..with so many kids..no!!
I agree with you Delia!
Idk if the husband really screwed her over. He's somehow in a job where he can pay 2700 in child support monthly. He doesn't sound like a bum.
@@rickyf8308 Thief ≠ unemployed. You can be a thief and hold down a good job / pay decent child support
It is very possible the partner helps with the kids. Ii don’t know if that’s true for him or possible but just because you don’t have a job doesn’t mean you’re a deadbeat.
In some ways this is a lot more interesting than the 20-somethings usually on this channel, since she has so much more going on (so many sources of income, many kids, having to really think hard about retirement)
yea i dont find the 20 something year olds making 6 figures and like 10k in debt very interesting
Agreed
Savings?
You are so correct. I would love to see some or any young person that works a good but walking the latter upwards. I can't believe how non are in any retirement plan. They are looking for being hired as a OWNER and wonder why they can't keep a job. Hard work is way to hard hard to do because it stops them from playing video games. I would love to do that for a living because I'm really good. I'm trying to save up to get out of my mom's basement. She is on me all the time, like taking out the TRASH. She thinks because she works 70 hours a week, she shouldn't ask me to do EVERYTHING around this place, I'm not her slave. How old are you? Only 36 years young. What is in your savings ? 700 hundred in savings bonds that my grandmother gives me 100 big bucks EEE savings bond but that cash cow kicked the bucket this year. So no more gravy train. The positive thing is she left me all her modes of transportation. Lucky guy, turn your thumb towards himself. What kind of transportation? It's a classic for sure. It's a 1989 Ford Grenada with Ford's most powerful they ever made. What kind of gas mileage? 6 miles per gallon if I stay out of it. It's a little loud because it's tapping real loud somewhere ? Lost my drivers license because of no paying all of my child support . How many kids 6 that they proved, how much behind are you? Not bad, I've knocked it down the 100 savings bond to get ahead, but guess what? It's not really 100 bucks unroll 5 years so I STILL OWE 99,943.45 THAT'S IT. What did it start and how long have you owed this. Uhhhhh uhhhhh. It started at 100k and the lawyer fees for her and my lawyers, taxes penalty is a separate ACCOUNT. Oh God what is that balance ? Round numbers ? Please. It's a shade less than a million and way higher than 500 grand. I don't have an exsactly PERFECTLY clear number, but I paid it way down. Great job how much has you paid down ? I'm putting my last windfall check from Grammy. It's going to be hard not getting that scratch anymore. Dang it's hard to save money, WHAT MOM, I'M WORKING RIGHT NOW, I PUT IN 7 INTERNET JOB APPLICATIONS IN TODAY IN HONOLULU BECAUSE FOOD IS EVERYWHERE FREE FOOD GROWS EVERYWHERE AND IT'S TAX FREE IF YOU GET PAID UNDER THE TABLE. SEE... I HAVE A PLAN TO NOT FAIL, SO I JUST FAIL TO PLAN AND IT COMES OUT RIGHT EVERY MONTH. LOL NEAL
@@berrylee6787 ?
This partner, about which we know very little except they do not contribute income to the household and when given access to this lady's credit card, immediately ran up thousands of dollars of cc debt, is very alarming for a person who has a history of being very badly taken advantage of. Kick that 'partner' to the curb.
Sounds like the same behavior from her Ex
But look at her ex husband. A lot of this is her fault. She clearly has a problem with choosing men who make less than her. People do that for the perception of control. Shes probably a huge control freak and doesnt like NOT being in control.
@@ihama99 at least her ex sounds like a high income earner (since he pays $2700/month child support).
@@anonymity2882 Where in the video does it state that her ex made less than her?
@Exzavier yes that’s exactly what they do because it’s something to hold over their head. Not saying she’s doing that though.
What she proves, is how important a good support system is. Her family has been amazing allowing her to gain property ownership despite not being able to do it on her own.
White people pass their resources down which helps the future progress better…she has gotten a lot of family support I doubt she would be able to survive with 4 kids without family assistance
Just discovered this channel today at 10pm. It’s now 3am and I’m still binging it. Worth it!
So far I absolutely ADORE this lady. Her energy, positivity. I’m so sad that people have treated her poorly. Please can we get a follow up at some point!
My jaw dropped with how much money has been taken from her. She is a warrior for coming out on the other side of that with such determination and drive. She’s my favorite so far.
Seriously. She is beating through life and killing it and it pisses me off how much she's been screwed over by assholes.
Ok but it's just one side of the story, divorces are always like that.
@@tbayhell2304 he took three properties and then didn't remove her from the mortgages and then didn't pay them to the point of foreclosures. Likely pocketed the money from the tenants and left her with nothing but bad credit
@@krispotter6844 maybe there was a reason for him to justify his actions, or that there was an agreement beforehand? I'm just saying with my own personal experiences, I wouldn't be too quick to judge based on one side's testimony and evidence. You'll never know what they'll hide to make sure the other side looks bad.
@@krispotter6844 it takes two to tango
Brooke is such a breath of fresh air on this channel. I love her bubbly attitude and actual willingness to take your advice. So painful to hear that she had had something in the order of $300,000 stolen from here ON TOP of losing those properties..
It's nice having both. The deluded and the appreciative
She’s getting over 30k per year in child support. How comfortably could you live giving someone 30k a year for I’m guessing 10 years?
@@joyaustin6581 he should have thought of that before he gave her 4 baby injections. Doesn't give her the right to rob her retirement money.
@@Natedaschoolboy doesnt give her the right to rob him either, do you really need $675 per child a month to take care of that child? That money is suppose to go just towards food, shelter and clothing for the child. Im a full grown man and I operate way, way under 675 a month, its total BS.
@@wahldt623 Meh goes both ways regardless, kids are expensive asf, unlike grown adults they can't survive on their own and the environment they are raised in affects their chances of future success - hence why a lot of billionaires today came from well-to-do upper middle-class and above households
I know it is a lot harder to get 30s and 40s+ people to come on your channel and divulge their personal finances but when they do it is so interesting and extremely helpful to see how challenging money management can be when you have competing responsibilities.
It’s a lot more interesting in most cases since they have more going on and more interesting life circumstances.
I wanna go on there so bad, 33yo 98k equity, 60k savings, maxed IRA, investing portfolio $25 a day, no debt $100k plus income a year, rental portfolio, I live off of 1k to 1500 a month
@@zensleep6560My guess is you didn’t have any financial burdens like aging parents or siblings who need help? I’m envious!
Caleb, this channel is amazing. I happened upon it and it’s completely revolutionized my budget in the last two days. I’m 33, my husband and I both work full time, and I’m struggling with PPD after the birth of our second (and last lol) 10 months ago. The finances/budgeting took a hit with a complicated pregnancy and complications after…and I’ve just been free floating doing the minimum. Thanks to you, I’ll be doing THE MOST and I started yesterday creating spreadsheets of spending and I’m working on a budget TONIGHT. As you say, debt is disgusting and it’s time to clean house. We’ve accrued some debt and continued spending like we didn’t. NO MORE. Eating out is over until the debt is gone. No “fun,” until this is over and the real fun can begin. I’m planning meals, creating budget-friendly healthy grocery shopping, and I’ve deleted any and all shopping apps from my phone, subscriptions are gone. It’s like the channel was the Windex to the depression-streaked glass through which I was seeing life. Thank you for what you do, it’s making a huge huge difference in my life.
This lady’s story is so similar to mine…40s, divorced, 4 kids, several jobs that bring in a decent amount, single income. Ex trashed my credit and I built it back up. Only just started the video so we will see how Caleb handles her situation!
Bookmarking this! The only real difference is I don’t have a partner living with me and he earns a very good living. He is mechanically inclined like her guy but he would never need to borrow one of my cards and run it up like that. I think she needs to rethink that partner. Thanks to Caleb for this audit that I can apply directly where I’m at!!
I really like her and wish her all the best. Can we get a follow-up episode with her in 6 months to 1 year? Also, please do more episodes with folks over 40. Everyone has different life experiences, and we see in this example how divorce can crush you financially and what it takes to rebuild.
She crushed herself. She allowed it all to happen. There is no way I wouldn’t have got my name off those properties or even let him have them. She lets a leech live off her and robs her ex of $2700 a month in child support which is ridiculous. She’s a common woman who doesn’t take responsibility for her poor choices. Typical poor me modern woman. And remember,this is HER side of the story. I’m betting there’s a whole other side.
@@dcg590You incels are so sad.
Amen!
Getting some older people on the show has been a great change of pace recently, you get to really see how different things are when they aren’t only thinking about themselves because they have kids, etc
And I think for some people it's just overwhelming so they kinda ignore it. Then look up and you're 45 with kids heading to college and not nearly enough money coming in.
For some of us, 45 isn't older. But the lessons of financial management and security transcend age.
@@seeking70 I used “older” meaning people not in their 20s. Most of Caleb’s guests at this point were much younger than she is.
@fresco I wasn't offended or being critical. Just pointing out that his advice is universal.
@@seeking70 it is, but the priorities are very different at that age. It’s great getting an idea of what people at all ages are focusing on financially once their lives have progressed a little more.
The audits with older guests are so much more impactful to me and have more lessons to be learned.
Though i suppose the older ones are rarer bc they are less likely to be on youtube anyways.
Right
I'm 61 and on TH-cam often. I think a lot of older folks are.
How old do you think she is? 😁 and how long ago do you think youtube came out. Everyone is on youtube nowadays.
I always get a kick out of how youngsters think older ppl are dumb. Many of us got CS degrees in the 80's and are still woking in programming at 63, 65, etc., lol.
@@morningglory5597 Well most older people are dumb
Young vs old people man
I’m learning so much more at 30 because of these older clients
I loved watching these two have a real conversation
I totally agree👍
As a "summer chicken" who has been through a divorce too, I LOVED this audit and this woman. She is amazing!
Dude this channel is a FANTASTIC idea. I’ve been binging it all day, and it’s really motivated me to get my finances under control. Im only 21 and make good money for my age, especially since I work 65 hours a week, but I’m not fiscally responsible. I just spend when I want to and don’t really worry about it. But I’m making a budget TODAY and thinking more about my life decades from now. Time to figure out how to get an IRA lol
Thank you so much, and you’ve got this!!
Yup, time to start putting at least 20% of your income off to the side to save up and invest with later
@@RealBoiJare I’ve actually got a good nest egg going, I’ve got like 12k rn but it’s just sitting there. I’ve been meaning to get into low risk low reward long term investments but it’s a little overwhelming sometimes. But I’m scared of being in a similar position as the woman in this video and having to stress about retirement at that age. But I’m gonna get on it this year!
@@GhostyGhost7007 the best thing you can do is get in early. I wouldn’t worry so much about it being low risk as a young age in the best time to be a little risky. You don’t have a family or anyone else to support yet. It’s more risky to be holding out and not taking some risks
There's a reason his subscriber count has been growing so fast. He puts out really good content
An hour long financial audit?? Todays a good day
It’s a good conversation :)
@@CalebHammer Caleb, you looked very at peace and it seemed refreshing for you to have a receptive responsible person who just needed a little bit of guidance on your show
@@CalebHammerI agree. More 30’s and 40’s because the content is a lot more relatable to people actually trying to improve their financial situation. 20-something’s seem indifferent and take things too lightly, which is probably what has made your reaction videos so famous/funny.
No one besides her and her kids need to be living off of her hard work.
This episode is by far my favorite. Despite all that happened to her she’s so positive and optimistic. I love her attitude❤
God, when life roughs you up that badly I guess you just sorta have to roll with it or go insane. After her husband took 250K from her she should have paid an extra 5k to have someone take his legs from him.
Part of it is her naivete. She puts way too much financial trust in people close to her.
I was going to get interviewed for this channel and I chickened out because I knew the answers to my worries. I left the leech ex and started working 72-80 hours a week and left my dog at my family's until I can catch up... I feel miserable but at least I took action before it got worse.
I hope it gets better for you! I’ve been there at the end of journey feels like someone lifted 100lbs off your back and you can finally breath again.
Hey, nothing to be ashamed about. Glad to hear I'm not the only one working 70-80 hours a week, lost my footing back around 2008 great recession (only job I could find was delivering newspapers at 40 yrs old) been playing catch up for the last ten years working two full time jobs. That being said always take care of your health and find time to sleep. Best wishes.
Keep going. Youre doing the best thing for your future. Great job. Pay off the debt and then never let anyone think youll buy their stuff and pay the bills alone. And youll be abe to get your dog a great bed and spoil rotten!
If you're in the area, you might want to go anyway. It's great that you're making moves, but Caleb might be able to help you make some decisions to get clear faster. Plus I'm sure he'd like to interview someone who is already making efforts for a change.
Edit: I was going to say something about waiting a few months, but then I saw the age of the comments.
Good for you
My absolute FAVORITE guest you’ve ever had. I love her attitude and willingness to make some changes.
She’s my favorite guest you’ve had yet, and I’ve seen ALL of your videos. Good luck to her, she deserves it!
Your vids are helping spread vital information that we are not taught in schools and your making it popular and entertaining to watch. TH-cam needed this
Correct. The schools should be bringing
In finance experts to teach the children instead of drag queens.
@@lot2196 Amen
@Elephant In The Room never heard of him. Probabaly because he’s not very entertaining. However I watch these all day and have learned a lot.
@Elephant In The Room Dave Ramsey feels like a late night infomercial. Caleb's one on one approach feels more like help and tells a good story as well.
@@lot2196 Teaching kids sound financial skills would create successful money management, not the ignorant poverty ridden over spending wage slaves that are currently adding to the decline of the US. Drag queens are just MAP groomers preparing ur children for your leaders perversions. That's why!!!
I just found this channel tonight and within about 10 minutes I decided to pay an extra $500 towards my credit cards this month. This is such great advice and makes me scared of letting my debt get out of control. I’d much rather have less in my checking account and work towards eliminating my debt than having the extra expendable income I would’ve wasted on things I don’t need anyways.
I always end up making extra payments after watching this show too! 😂
Assuming you're younger, start doing it right while you have the time! Don't spend on the cards! The extra means nothing if you keep using them.
She allowed her partner ( who doesn't work) put $3,670 on her credit card. She still has not learned from her past.
^^ BINGO. She should learn from being screwed by her husband.
Something doesn't sound right about this.
Why does her partner not work or contribute to the household? Her children are self sufficient so she doesnt need a stay at home partner. That was glossed over real quick
@@annadeec6676well it really any of his or our business. Maybe hes disabled, maybe something hes between jobs. I notice many seem to really want to make up a story in their head, with very little info
Yes it’s terrible 😢
Im so happy you’re helping her. She’s reminds me of my mother who is super kind hearted and hardworking but a bit naive and gullible when it comes to her love life. She seems like she spends the bulk of her time, money and energy trying to take care of everyone else and forgets to make sure she’s covered and okay. People like her attract folks who want to take advantage and I’m skeptical about that new partner of hers who had access to her credit card/no job. Caleb is better than me cause I would’ve added “also break up with your partner unless they get a job 🤣”
100000000%
It really any of our business, he could be on disability or between jobs. I dont understand how ppl recreate a whole story based off of so little knowledge
Men do this a lot. They leech off naive women who are willing to pay their way. Ask me how I know!
@@ronnie5329we assume bc she stayed quiet about it. And they aren’t married so no woman should be supporting a man she’s not married to!
@@user-ku5vm5jb1h They are still absolute hypocrites, theyd never say this about a woman in a relationship with a man, from the knowledge shared here. Both men and women are breadwinners now, its a strange gendered double standard
Listening to you for weeks now stopped me from financing a Tesla (50k debt) and being happy with my $330/month car. Literally cancelled my appointment today lol. I’ll let you know if my mind changes and maybe I’ll need to make an appointment with you hahaha!
50k of car loan put the car payment to about 600-750$/month !!! You saved yourself 😅
Don't do it. Low interest car payments in a normal pree-COVID market suck enough as it is. I'd give anything to go back and have bought a car when it was 3% and low mileage used cars still in a reasonable range.
I love seeing these with older people. I’m 27 but have one child, own a house, and run a farm. So it’s nice seeing people that are slightly more relatable.
It is refreshing but what's scarry is just how many people he can find that are in absolute financial turmoil. It seems like what's relatable to most people (not me, thankfully) IS having an insane amount of debt and reckless spending habits
The fact that you were just at 50,000 subs, and now are almost 20,000 away in a matter of WEEKS shows how awesome your content is. Good luck man, much love. Hope to be on the show again soon
He's about to reach 100k from 80k in a matter of DAYS now
@@detweiler He's over a 150K today, a week later.
400k in April 2023. Am a new subscriber. Clearly this is a channel & topic we desperately need
She is an incredible mom with a level head on her shoulders. Especially after everything she has been through. It's easy to let loose after life hits the fan, but the persistance she has and the uplifting attitude she has on her life is truly amazing. Props to her.
Ya fabulous, lives off $2700 a month in cs, gets rental money for free and lets a guy leech off her. No retirement. Awful
This lady is so likeable. It's refreshing to see someone in the show that takes their financial life seriously. I would love to see this lady back in the show for an update.
Sucks that she went through such a tumultuous divorce, but she is killing it with her income. Great video and advice as always Caleb, I think ultimately she will be okay!
I’d like to hear the ex husbands side of the story….
@@welshhibby Why? Do you not believe he let properties go into foreclosure? It's available to verify via public record.
Caleb, it's always fun watching your usual dumpster fire episodes, but I LOVE having an episode with a Mom and a person with good income and halfway decent financial situation. I love your show but I'm always trying to stretch it in my mind to apply to a family and a non dumpster fire situation. Please do more episodes like this! Brooke, thanks for your transparency and awesome attitude! You are a warrior!
Everything was sounding OK until she said she has a partner living with her with no income and didn't try to explain why. I suspect this is where things are going to go downhill 😅
They need to contribute asap!!
She makes terrible choices. She’s not great. Gets supported because of her kids, gets rental $ for something she also didn’t earn and let’s a guy leech off her
Right. Her choices are horrible! And a guy living off her! It’s an indication of her low self worth.
She sounds like an amazing mother and super resilient person. The fact that she’s absorbing all these financial (and presumably emotional) hits while raising 4 kids and preserving this kind of positive attitude is pretty fantastic.
You can tell she was raised right by her own supportive parents. And while she may not be a financial wizard, she definitely has the right financial instincts.
That being said, I found it awkward that a 20-something year old is giving a 45-year old mother of 4 some pretty basic financial “advice”. This was great from a neutral 3rd party learning and entertainment point of view - but she needs an experienced financial advisor that really know what they’re doing and having similar lifestyle values. Stuff like paying for children’s college, taking care of elderly parents, divorce and older adult relationships is out of Caleb’s wheelhouse. I say this all with due respect.
I give her lots of kudos for putting her business out there and raising some sharp kids.
I don't think you need to be of a certain age or have children to understand her at an emotional level. Also better to take the emotions out of finance to be able to persevere the way she is. She looking for advice not a friend. The financial advisor could be 20 years older than her without children and still give pretty basic advice as Caleb already did. 529 plan common knowledge. Several kids well scholarships/community college first. She also already has some concept of finances which is why she may not have been as fun to watch for some -
@@Sophie3647s I really don’t agree that a 20-yr old could give her good financial advice simply because 20-yr olds don’t understand the priorities of her unique situation. She isn’t another 45-yr old person that’s struggling with credit card debt and doesn’t know how to save. Her priorities are which of my kids should I assist and how much by when? How does that align with my own retirement priorities and other obligations?
Yes of course everyone knows what a 529 is but while “the book” tells you to save for your own retirement first and have your kids apply for FAFSA and take in student loans of their own, well if your kid has a shot of making an Ivy League school of her dreams, how shitty of a parent would you feel like if she couldn’t attend because you can’t afford it for your kid? No amount of articles about “state schools are 80% as good as Harvard” articles will take away that guilt.
Or if she suddenly has to take care of her own elderly parents, then what? Tell her parents that have supported her while she was in need “sorry mom & dad, I’ve gotta take care of my own retirement first.”??? That’s preposterous.
Or in the case of divorce, I’m sure you should pursue the max amount of alimony and child support you can from a financial standpoint, but do you go after so much that it cripples your children’s father financial situation that it makes him resentful of the kids or not allowing him enough time off to visit the kids?
My point is there are a lot more nuisances in her situation other than just math. There are relationship dependencies and a great financial advisor should be able to give her lots options with pros/cons - not regurgitating basic formulaic “rule of thumbs” catered to 20 y/o’s with no savings or people in a financial hole that just need to climb out and start at zero.
@@skylinec83 Then make ur own channel and you can be every single mom or dad friend since your so invested
Edit: I also didn't say 20 years old I said 20 years older. That's the problem with people with children they think there special. The formula is the same for everyone. No debt, work, save, invest, and you will be able to help others be kids or aging parents
@@skylinec83 That's just being biased and agist. He was 100% on point about his advice and when it comes to finances, you have to keep emotions out of it. Your scenarionof her maybe needing to support her parents only further proofs how right he is that she is simply not in a financial position to support her kids through I don't know what private school. She has been screwed over by 300k when you put it together PLUS several houses!
The biggest favor she could do to her kids is to put her retirement plan first so that she won't rosk being a burden on her kids later on financially.
And she's 35yo for christ sake not 50! It's just like how the older you get the higher the chance that your boss will end up being younger than you, but as long as they know their shit, they are in the leadership role.
Yes she doesn't have lots of debts but given how many kids she has it basically puts her into a similar position financially as someone who has to have a strict budget to get out of debts.
Best she can do is helping their kids outbof emergencies in a month that is difficult. Every parent wants to be able to offer the world to their kids hut what you want and what you can are not the same things. Her ex screwed up that option.
@@JustLIkerapunzel She's 45, not 35. Despite her financial woes with her ex husband, she is still in a good enough position to have options when it comes to how to spend her money. This isn't the Dave Ramsey crowd where it's a strict playbook/rules that they have to follow. When you have some money, then there are a variety of ways to deploy that capital to suit your needs. Yeah if you're broke then you have no business spending $5k on surgery for you dog but if you've got $50k saved and the dog means that much to you, then it's not a clear cut answer.
If your kid really has a shot of getting into an Ivy League college, I would low-key judge that parent that had to pull their kid down to state school instead if it was a choice.
I loved this! I wish Caleb would do more of these with people that aren't totally forked. I feel like I could learn more from episodes like this.
wow all those terrible things happen to her and she still has a great attitude. God bless her.
*Just some feedback*, only if you don't already do this. create a summarized bulleted list of action items for all things the person needs to do going forward. Because sometimes I feel they get so much info thrown at the time it's hard to remember anything
And maybe fly them by the screen at the end or something
I enjoy these more because it seems like a majority of your young subjects don't understand that they will blink and instead of being 23 they will be 43 and those bad decisions have possibly ruined what they did not realize will be a huge chunk of their lives. When you talk to people who already have that perspective, it's always refreshing.
@Caleb scam city baby
WTF many of them don't have high incomes compared to expenses how can that ever be a good thing?
@donaldlyons17 it's not but i didn't say that. I said its refreshing to hear him tell someone this is a plan you may want to follow and they don't respond with something like i have plenty of time to fix this because honestly........they don't they just don't realize it.
@@coreyvaughn-patterson2668 No those young people do have plenty of time to fix issues but it will depend on factors.... A year is plenty of time if conditions are right....
@donaldlyons17 thats only true without context. Everyone who is broke at 35 was probably broke at 25 and it can lead to them being broke at 45. I don't even think everyone has to take such drastic steps like caleb suggests( except for the truly terrible ones) but you have to at least build some awareness when you are young. Things are hard out here and it doesn't look like the people up top have any interest in helping us so you have to take steps to secure your future. People who tell themselves they have plenty of time are people who often run out of it.
i loveddd this episode, listening to someone who is taking it seriously and going into more of the details than just budgeting basics. also she was so pleasant and even with everything taken from her, she is so resilient and positive and actually listening to the advice provided. i hope the best for her!
She's sooo much better along than many people at the same age who have gone through way less financial abuse. Thats awesome and she is pretty aware of things, not all of the deets but love this whole session for her. It will open her eyes to the seemingly small things that make a difference. Best of all, she seems like the type to implement the advice. I hope she no longer gets taken advantage of again
I can't believe she lost 50k in cash 😱 I don't think ever seen that much cash before, I can't imagine how utterly devastating it would be to find out that was stolen
Absolutely devastating:(
You really can't believe a word that is coming from her mouth. She is so wishy washy.
And how do you forget to remove yourself off 3 homes? She said he should've removed her name, no, she has to
@@jdeux3677 She said, her ex cashed out prior to them entering divorce situation.
Her story sounds fishy. Claims to not know a lot about her interests rates, 401K, husbands intentions, parents financials and dad and parents plans to pay for college. Also who keeps $50K in the house in easy place to find. No safe or bank?
Caleb this is the calmest interview I have seen in your channel so far. It was refreshing.
I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for. My portfolio lost $18,500 last month alone, my earnings are tanking, and I can't see how my retirement will go smoothly when I can't even increase my stagnating reserve. I wonder whether those who lived through the 2008 crash had it easier.
A 2020 Northwestern Mutual study found that 71% of U.S. adults admit their financial planning needs improvement. However, only 29% of Americans work with a financial advisor. Additionally, emotionally-charged decisions to sell off large quantities of stocks or other investments now lock in your losses, removing any chance for future growth. Research suggests people who work with a financial advisor feel more at ease about their finances and could end up with about 15% more money to spend in retirement.
In other words, an advisor-managed portfolio would average 8% annualized growth over a 25-year period, compared to 5% from a self-managed portfolio.
@@MatthewVinson I agree; for over 17 months, I've maintained regular contact with an investment advisor. Nowadays, it's really simple to invest in trending stocks, but the challenge is knowing when to sell or hold. To support me with entry and departure points, my advisor steps in. Within 18 months, I've accrued almost a million dollars from an originally stagnating reserve of $200k.
@@84gaynor I'm happy to have stumbled upon this discussion. If you don't mind, could you tell me the name of the investment adviser who helps you with your investments and how I might contact them?
Plus, Republicans are trying to end social security for anyone not already receiving it so....gets even better.
One of the best financial podcasts I've ever seen, hands down. Brooke was so amazing. Takes a lot of guts to put yourself out there. Very inspirational!
Have to say as a neuro-atypical person, I really connect with how she calculates based on a total daily limit. Budgets by category are stressful to me. So I put all my bills and dedicated savings on auto-payment. Then for clothing, food, and entertainment I give myself a daily limit like she does. Just easier for me to keep track.
Understandable - I keep track via two or three large “buckets“ rather than a line by line itemized spreadsheet.
Yeah why was he sitting on that and trying to overcomplicate it?
Whatever works, is the best way. I also think a million buckets in a budget just encourages a person to take from one bucket where there is extra, and shift it over to a bucket you overspent on. I see it all the time too with the stupid cash stuffing envelope videos. Just pay the bills, eliminate debt, put money in savings and retirement, and whatever is left is your pocket money for the week. Pretty simple.
If you were an accountant like me, who works with other accountants, you would be neuro typical.
This episode is sooo good. She was an amazing guest and so open to suggestions, exactly the right mindset 💜
Wow, I am EXTREMELY glad I found this channel. I'm good with my money but watching these videos motivates me to stay on the right budget track, and also have compassion for people who don't quite have their finances in line yet. Thank you Caleb!! Cheers!!!!
If she just puts a little of that tremendous energy into learning about personal finance, she will be doing great in her early to mid 60s. Needs to get organized and know all about where and what her money is doing.
You're awesome, lady! You give me hope as a 40 year old who can almost start her work and savings life over again. Keep being amazing.
This was one of my favorite episodes, Brooke was a breathe of fresh air. Sucks her ex-husband was so shitty but her positive attitude and willingness to follow the ~*not financial advice*~ is awesome! Wishing her the best 🎉
Ex husband was ten years ago she is a spaz
He was shitty but she picked him. She also picked another leech to live off her. This whole thing is her fault. She didn’t get er name off the property, her fault. She’s acting innocent. She’s not. She’s responsible for every choice she has made but woman seem to get a pass and blame the men. If he head was on straight she never would’ve lost those properties and credit. She’s robbing her ex for $2700 a month, which a crime.
The only real mistake she made was getting married to this guy. My dad always said marrying the right person is the best financial decision you can make.
I really liked her. I’m 40 mins in (so not sure if it’ll come up more later on), but I would have loved to know more about why her partner is not earning any income. I’m not trying to judge or criticize; I just can’t imagine raising 4 kids being on my own financially, essentially. But hey! Some do it without a problem. Good on her! Great one, CH!!
Non only not earning income but using her credit card and apparently not paying rent.
Because shes chasing Chad and is probably a control freak. I know I wouldnt feel the need to contribute to someone who refers to me as "their partner." You girls need to drop that, its insulting and disrespectful. Makes men not feel bad about not contributing. Shes just another modern woman with the ugly nose ring who thinks she can juggle everything on her own. She clearly has trust problems, like most modern women. Chad really did a number on yall. Look how bad shes aged for 45. Too much responsibility, too much worrying. Its taking its toll.
This was my first thought. Unless the partner is disabled I dont see why they wouldn't bring in an income.
@@whyme7862 she said he is a talented mechanic who fixes her car. So he had to be able to work a bit at least.
@@choreomaniac that's femalese for tweaker, drifter, and grifter. If you are a single woman over 30 this is what you will be getting for a partner, or skippy the 45 year old virgin. Them or a dog. Choose wisely.
Really enjoyed this one. I’m 23 and it’s nice to see interviews with people older to get different perspectives especially someone whose dealt with some real life stuff
I know this video is two months old but in case brooke comes back to this, I just wanted to wish her luck. she reminds me so much of my own mother, who I think would have loved to have an experience like this when I was her kids' age and it would have helped both of us so much. you have a giving heart, brooke. just remember to take care of yourself too.
More people over 35 please!! I loved this one, and being over 35, it’s nice to have more relatable situations, or insights when you have dependents
I've now watched over 20 videos and this is my favorite. Sucks about her past with her ex and the cash loss but she seems like someone who cares for her kids and cares about her future. I hope she grows her retirement and continues to pursue the work she loves.
It's nice to see interviews with people who have children and are considering retirement. This woman is me in 10 years so it was good to see how things like divorce, college planning, and retirement can impact your budget.
Really loved this episode. It’s so refreshing to see these vastly different situations & learn more about finances. This is much easier to digest than someone just rambling off what they think you should do with your money for 20-30 minutes. Watching Caleb explain & interact with different guests puts things in perspective. He’ll be at 100k subs in no time. Thank you so much for creating & sharing this content. 🥺❤️
This channel is helping me so much. I'm 31 and have barely any financial literacy. It's just super confusing to me. Fortunately I don't have kids, and don't plan to, but I also don't want to have to worry about retirement in my 40s. I'm getting it together NOW, but I really wish I would have had some classes in high school so I could understand money and have a health relationship with it. I feel so panicked trying to sort this out now, but I'm going to stick to my plan, and congratulate myself every time I stick to it and know I will have my debt sorted by the end of next year, and will make smart money choices moving forward.
Unlike the rest, I feel bad for her! I hope Brooke bounces back! Please invite her back in a year. Would love to see how she's doing.
A partner not bringing in any money is a problem no matter which way you flip it.
May be in this case but not in all, the partner could in other cases be a homemaker
That’s what I was thinking. Would never support a man ( unless he’s disabled or something like that).
@@KS-cl8br Nah, no person should be playing tic tac toe at home while i'm working.
@@justshady Stay at home parents are incredibly valuable. They are not just playing tic tac toe.
@@sarahschreffler5407this partner isnt a stay at home parent. all her kids are in school. her youngest is 11 years old.
I love that you are having older people on because we can learn from their experiences. She’s still young enough to clean up the mess.
Finallyyyy. Thank you for doing older folks with more complex situations and scenarios. Another great video!
Would love to see an update from her. I actually have faith in her turning things around
I am rooting for this woman so hard! She has been through so much and is still just so positive and uplifting! You go girl!
So far I'm only 10 minutes in and I'm really enjoying this episode! I'm currently 27 years old and most of the episodes I've seen featured guests who were younger than me. It's interesting to see a more matured perspective and although she got screwed over with the 3 houses, I'm proud of what she's doing not only for her wallet and credit score, but for our community also! I plan to donate to her nonprofit because prison reform is very important to me. I know it's so critical to have different educational and mental health programs in prisons to truly rehabilitate these troubled people. 95% of inmates get out at some point, what kind of people do you want getting released? People who have had access to education and programs and have regular calls/visits from their loved ones? Or someone who has been abused by the system, been told they're worthless, and have had to fight for their survival?
Loving getting more mature and older people like this. They have experienced life and are open to listening! I would look into adding more bonds to portfolios in age and doing more research into that!
I am new to Caleb Hammer but I am a major fan. Sincerely considering saving for a trip to Austin and trying to connect with this prodigy of a financial guru in the making for a financial audit.
Love this so much.
She has an amazing attitude not only financially but in life and is really bubbly and sweet! I bet she's the best mom
I love her personality. She's open, honest, and really funny. I hope she's doing better!
I think this was my favorite episode so far. So upsetting to hear how much money has been taken from her. But it seems like she has a great head on her shoulders and will be able to meet her goals. Or at least come close enough to them
I’ll be honest, I’m a 25yo male living in Austin, just got out the military, I made a lot of mistakes with credit cards and have other debt. I have never made a budget, and I have always been living paycheck to paycheck. I’m struggling. I could really use a financial audit even though it would be nerve racking, I really need to hear it from someone like you.
Go for it!
I wish parents didn't stress themseleves over putting their soom to be adult children thru college. College is a choice the 18 year old makes and thus, in my opinion their own responsibility. I paid my way thru and it taught me to value the time and effort I put into my education. I applied for a shit ton of scholarships throughout my freshmen and sophmore year and I got a ton. I won't be paying for my kid's college, I'll save that money for travel and enjoying life. But if you want to and are able to, you do whatever you want to do. I just hate seeing parents feel like it's a mandatory thing.
This has to be my favorite episode! I’ve been binge-watching financial audit and I’ve been sticking with the 20 year olds because that’s me (and it makes me feel better/puts the fear of god in me haha)… Glad I decided to watch this next. She’s doing so well considering everything she’s gone through. I wish the best for her!!
This one was so pleasant to watch. Also this mama is ROCKING IT SOMEONE GIVE HER THE LOVE SHE DESERVES
Just a few minutes in: Her partner doesn’t bring in any money & her ex stole her retirement? 🤔
No judgement, but I see a common denominator!
Update: I finished the episode & it got worse.
She allowed him to charge $3k on her credit card that he’s trying to pay off in 3 months. What does he do with his earnings?
She should pay it off, not tell him, and continue to take his payments. I say not tell him because he may not be prone to continue payments if he knows she paid it off. Also, idk if she’ll stand up for herself if he doesn’t pay her back.
Caleb, I was very surprised that you handled her with kid gloves. She needed to answer for some of the decisions she’s made.
Men keep stealing from her. Horrible.
The ex is paying $2700 a month to this nut. That’s over the average American income. She’s lying about the details. He was probably down in his career and she left him and decided to go for a jobless bum.
Didn't wanna say it
With 4 kids and so many jobs, I'm assuming her partner is doing some heavy lifting taking care of the kids
@@cyndoherty563 Idk what kind of heavy lifting he could be doing. The youngest is 11 so he’s in school all day.
Just watched this while organizing my personal finances, what an unfortunate situation with the ex-husband but the resilience and realness of her mind is crazy
Oh, it’s crazy alright.
😳
Enjoyed seeing a diverse group of guests especially 40s and above as their financial situations are complex and interesting. I like the positive vibe from her even though she has been through a lot of unpleasant financial experiences. Taking care of 4 kids is not easy at all 👍
If her partner has car mechanic skills, and can fix at least some things on her car based on what she said, then it sounds like he is capable of working to some degree. It seems like he should be working at least part time as a mechanic unless there is something else going on that wasn’t revealed that would prevent that.
Yes and no. I work on my own cars. I'm self taught, starting back when you had to read books because there was no such thing as youtube for help. I work on my own cars and I'm the guy my family members use to work on theirs. Even with all my experience, I have zero qualifications. No auto shop would hire me to do anything more than oil changes.
I feel like this lady's partner can go get a job and contribute. Without any sort of formal training and certifications, he wouldn't be making much in the auto repair world. Most of what would be available to him in this field would be dead end, low wage jobs.
It would be better for him and her if he went down something that would actually be considered a career path rather than banging out hourly shifts at $8/hr.
Just love this guest of yours. She is so bubbly, high energy and upbeat. Wishing her well. I just stumbled on your financial videos and find them very helpful. Best always to you and your many guests
I like that you include people from all different ages, experiences, and financial pictures. She's been through a lot and I hope things work out for her
sending aaaall of my love to this woman, what an amazing resilient human being. She is clearly a giver, the important thing right now is that she focuses the next 20 years in giving back to HERSELF. She is not in position for paying 5 people vacations or extra fun, or financing a partner (which of course I don't know if she is doing but she should definitely not do it) she needs to focus in her own financials, in my opinion. She has provided all these years for her children, financially and providing a safe home. They will need to figure life out financially once they reach adulthood (18)- that's just the way it is.
I agree. The “partner” that adds no economic value is scary.
I hope she is not repeating the same partner mistake all over again with her new partner. Not contributing financially, spending money on her credit card etc. Make me worried.
She comes across as a nice person and I hope things work out for her. She got a raw deal with her ex.
i know!! the partner with no income set off a flag for me too.
Get more guests like her! Unfortunate circumstances but able to take action despite being slightly older demographic on the channel. Also, she seemed receptive to feedback.
She is my new favorite guest so far!
She seems like such an awesome woman and a great mom.
Considering what she’s been through, she’s in an AMAZING position; if the money stolen had been able to grow, she’d be a millionaire or close right now; great that she’s kept pushing
I feel bad for Brooke. She seems nice and caring person, but man people take advantage of her. If that “partner” is not contributing money to the house, kick his ass out.
Prior banker here. One extra mortgage payment takes on average approximately 5 years off of a 30 year mortgage. I’ve had this discussion with a number of folks over the years who questioned the validity of paying bi-weekly on a mortgage that assesses its interest monthly.
Edit to add: this is based on the additional payments being made from loan initiation. Also, if you have extra beyond the additional payment a year, absolutely, pay more. Just saying, some folks feel more comfortable if the payments are split and come out twice a month. If you can only make the one extra payment a year, it will still make a small but notable difference on the back-end of the mortgage.
One extra per year?
I think this has been my favorite video so far. Just someone needing help but willing to change and take advice. I hope she does well after being wronged so much.
We need more of this kind of guest! Not some clout-chasing children bringing drama for clicks. I wish this woman well!