I'm DONE With This Model | Financial Audit
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- เผยแพร่เมื่อ 11 ก.ย. 2024
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Grocery shopping trip with Paris coming soon? 😉😉
Good luck your a man of strength and determination.
If u do these u need to let people pick what they buy then correct them, so u can see what they’re doing and their thought process
Paris come max out my 20k credit card
No.
$20 an hour just to clean crap?
I thought $14 was fine to move boxes in a warehouse.
I am so mad.
I’m not even in debt and I want this guy to organize my financial situation
YESSSSSSS😭😭😭like my gosh
Same.
Yeah I'd be down for one of those videos but I haven't seen him comfortably give specific investing advice.. probably for liability reasons
Same. We're living paycheck to paycheck and feel like we shouldn't be.
3@@Political_Brainrot_Auditor
This girl is 100% on here for the exposure on his platform and doesn’t actually care about her finances.
Bingo!
Other people can learn from her mistakes.
But she comes across as an idiot who isn't even very attractive.
my thoughts exactly!
Offcourse she knows a white knight simp will save her.
Just discovered your channel with this video -- case studies are extremely useful and I'd like to see more in the future! Creating wealth entails establishing routines, such as setting aside funds at regular intervals for sound investments.
Indeed, currently I'm managing my finances wisely and being frugal. In the last 19 months, my investments grew by 43%. However, I've had losses in the past month, making me anxious. I'm unsure whether to sell everything or wait.
It’s important to consult with a financial advisor before making any investment decisions.
Yes true, I learnt that in 2020, when I lost almost everything. But I switched to using a financial advisor and I've been returning at least $98k every month so I’ve been sticking to investing via an Advisor.
Hello, I'm new to this space and i've been getting suggestions to use one for a while, how can i find a decent one like the one you use?
Melissa Jean Talingdan is the licensed advisor I use. Just search the name. You’d find necessary details on the web to set up an appointment.
As an ex model, I can assure you, it’s never as rewarding as they say.
- If you’re under 6 feet, the dream goes nowhere.
-there’s no shame in thrift shopping
- if you live in texas, you don’t need to go to a tanning place. It’s cheaper to get your cancer straight from the source
- pagenting is not an investment unless you know how to network. Don’t try to win, just try to talk and gain followers
- GET SPONSORED.
I hope she reads your awesomely snarky (love it) advice. She needs the wake-up call.
6ft cap? Dam I thought it would be more like 5’8-5’9 for women
Modeling is cutthroat
Honestly just get some cheap self tanner, skin cancer is never worth it
@@Jake38nine "Only" 6 ft... Do you understand that only about 1% of females are over 6 ft tall? Supposedly only like 1/1000 are a 10/10 so we down to like 0.1% of the population. Who's to say that those 0.1% even want to be models.
just start a fansonly.
Remember guys: Beauty fades, but interest compounds daily.
wise words.
😂
😂😂😂
Wow, this is going on my fridge. Amazing quote.
😂
I know nothing about this world, but pageants seem like a big money grab.
Commercial modeling I get, but thousands of dollars of pageant entry fees? Ugh.
A lot of modeling is a scam too. Young naive girls paying big money to photographers and agencies for a ‘portfolio’ that they have no intention of going anywhere
They're huge scams..
It's probably one of those "if you do well with these, you might have a better chance at this" type of bait ideas.
But yeah. It's a cash grab that pretty much pays those girls in (hopefully boosting) their ego.
pageants are disgusting especially when they’re using kids. should be illegal.
right. you only see Miss America or Miss Universe getting somewhere from that exposure, and that's short lived I'd say. In a year, once the new winner is crowned your 15 mins is over, with no actual skills or talent to fall back on.
Saying she can’t grocery shop because it has calories is WILD - but takeout is fine😂
I rolled my eyes so far back into my head that I almost fell over. Wild.
I guess we can see why she competed in the beauty-only pagents cause 😬
If I can’t see the calorie count, it doesn’t exist!
@@BloodandThornsthe bad part is you can! They post calories everywhere now
I eat take out for the calories 😂
“Pretend like the future exists, may as well, it’s a better bet than assuming it’s not going to.” solid inspiration, Caleb!
Plus, living in the moment perpetually would result in putting most of us in survival mode. Living in the moment is reserved for those who have limitless resources, except for special occasions. Even for wealthy people, you still have to think about the future in terms of your health and relationships.
I wish these videos had follow ups/check ins to see how people do 3-6-9 months after the audit and how well they have been sticking to the plan outlined
Some of the guests do come on for follow-up audits, I know adriannah lee came back on
She be fine, don't worry. She already found a sugar daddy to pay the bills, while looking for a rich guy to "marry".
I would TOTALLY watch that!!! A quick montage intro showing the craziest outtakes from their first video, and then the followup is the rest of the podcast
Sticker shock is bad enough, no one can stomach the repeat offender exposure.
People, I’ve been around the world 5x with no college degree. How? I had a part time airline job for 17yrs! People you are LAZY AND DUMB ! Rich is easy, you’re just lazy and have no discipline. Not sorry. I’m a fucking idiot but I got damn strong bone average self discipline and know how to save. I own 3 homes In San Diego million dollar beach market ZERO DOWN. But I know how to cook my own meals and don’t drink coffee ;) NOT SORRY!!
😅@@dimitardimitrov9482
She should become a server part time she would absolutely clean up and be able to save/ model and pursue vet school if she wanted too
Yeah she could work for Starbucks, go to college for free and make bank on tips
I mean she mind as well just actually be an IG model at this point….if she put a tiny amount of effort in she’ll easily rack up 100K followers and tons of brand deals
Barmaid
She needs the Kennel Tech position in order to get into veterinary school. There is a 500 hr minimum for applying, but my class average was 3800 hours. The slight money increase now will kill her high income future. Her immediate focus should be on lowering her expenses rather than increasing her income. Kennel techs are generally paid minimum wage, so if she gets to the $22/hr discussed, she will be making above the vast majority of fully licensed veterinary technicians. All things considered, she is actually doing well income-wise for her larger career plan.
I think she'll be way better as a model than as a vet. Vet is one of the most mentally stressful jobs @@yucaipawarrior
I loved her reaction when she figured out that her timeline to be debt free is TWO YEARS. You could visibly tell she didn’t know the gravity of her situation.. even in the beginnings “it was only $500!” .. it doesn’t become real for people until they calculate how many years of their life they’re signing away
This is why starting young is so important. I’m almost 21 and I am already done with the emergency fund so I don’t have to stress through college. I didn’t even start working until I was 18 and a high school graduate so it can be done on a part time, minimum wage salary in under 2 years.
Well no her debt was super small in the plan she would be debt free in 2 months. Caleb was setting her up for for life not just getting out of the small debt. Very unlikely she follows through with that long ass plan and just starts building her wealth once her actual career starts
Y’all look cute together
dw, daddy owns a company so whatever debt she racks up to pursue her career even if it flops her daddy can support her
@cryinginstyle wait until life actually happens and you need that emergency fund and then get back to us... didn't start working till after high school 😮
I believe her main problem is that her identity is so HEAVILY tied to being a “model”/pageant girl. Quitting, or even going on some sort of budget in regards to it is like telling her she can’t be herself. It feeds her ego. What she doesn’t realize is that who she can be is SO much bigger than being a model/pageant girl.
Just slip her the idea of an OnlyFans
I think she should focus on the vet thing. Let's be real, she wants to get paid to be pretty. It's tough out there.
@Paperamachete she seemed genuinely nice and I believe she has love for animals but she was struggling with the interest rate part (equating it to how much she owed) and doesn't know basic cooking skills or following a recipe so idk how well she would do in that field...
Ah
Or if she focused on modeling and social media she could be SO much more than any veterinarian or anything non modeling related. She should focus on social media , ya know what she probably does.
It's so funny how Caleb is chill at the beginning of these videos and then he gradually starts losing his cool LOL. The intensity of Caleb's reaction when people make bad choices is so entertaining
You can tell how mad he is by how high his voice gets.
I think he need blood pressure meds 🤯 😂😂
I’ve only seen a couple of these but he seems patient with mistakes, but not with their BS
Especially when his voice hits the squeaky toy range 🤣
@kellyclassen3770-and wearing earphones lol! 😅
All in favor of Caleb of wearing a heart rate monitor when doing these videos say Aye🙋♂️
😊😊😊 Aye 😊😊😊😊
He already did that for one video
He needs to have a live blood pressure meter.
He needs it.😂
Aye! Lol. For this one it would have been up the whole time lol
I would love to see Caleb do not only a grocery trip video, but also a toiletries trip video to model for people who think it can’t be done on a budget. I think it would be very helpful
that would be great!
Ham, cheese and bread bro lmao
@@justwait9822is there more 😭
It's easy Salad, frozen chicken breast, rotisserie chicken is less than 10 bucks 2 or 3 meals, rice, frozen veggies their cheaper and stays good. Invest in an air fryer gourmet out of your freezer still better than chicken fil a or and fast food place.
@@kennethb6211 you are 100% correct, but this young lady does not have the skills, nor is she open to learning.
Her saying it scares her to cut up her credit card shows you exactly the type of manipulation hold the credit card industry has in the United States
Well yeah don't cut it up, closing a credit card is bad on your credit lol credit cards arnt bad if you know what you're doing, they are bad if you can't control yourself.
@@YoungSperm did you even think about what you wrote down? closing a credit card is bad on your credit. the most retarded bulshit system and you're agreeing that its fine
lol no it shows she cant do what it takes to fix her problem. quit making excuses.
Sheet, only if you are weak, lol. They don't want to cut them because it's easier to borrow then to knuckle down and save. Saving takes time, credit is instant. It's feeds into the instant gratification mindset.
They provide legitimate financial products to adults who give informed consent. I'm sick of this zero-accountability BS especially coming from people who are the embodiment of instant-gratification.
Hey Caleb I appreciate you and the content you put out so much. 9 months ago I was $17k in debt. As of last week I am debt free and working on my emergency fund. Keep on the grind to 1M man.
Congratulation. You can do it
Congrats on getting debt free!
how did u decrease the debt fast?
This is sick bro!!! Keep it up 💯💯💯🔥
W mans
She had no chance with her parents naming her Paris
😂💀
Imagine choosing that name in 2004
She definitely looks like her name is Paris.
She's 20 and attractive. If she stays off the CC and picks right she will win at life.
I heard that Paris smells like piss.
She does not realize without Daddy's help she would be under water in debt. Imagine her having to pay for her car, car insurance, car maintenance, her school/student loans. She has no clue how lucky she is!!
Its amazing how you’re expected to afford all those things a year out of high school. Her daddy probably afforded all those things with his first summer job right out of high school.
Not sure why parents think it’s ok to have a kid and not set him/her up for success. He/she never chose to be born.
I don’t mean not making her work. It’s that she works as much as her dad likely did, and gets pennies compared to what he got. The Boomers were the most economically privileged generation of all time
Well apparently her mother has passed away when she was 17 so I think she may have another perspective on how lucky she is
It won't be long before another daddy of the sugary kind takes her under his wing.
@rigelb9025 .....send her to WI...... I can help her figure out her finances quick......😅
dw, daddy owns a company so whatever debt she racks up to pursue her career even if it flops her daddy can support her
Whats really crazy about this is that she's saying she would be uncomfortable asking her family for financial support for an emergency but is completely OK with letting her Dad pay for her car while considering buying her own motorcycle!
"Grocery shopping is a scam" kills me. Eating out is a minimum of $10 per meal, usually more like $15-20. If your grocery shopping that gets you a pound of ribeye, a whole plate full of veggies, and a box of pasta. Thats enough food for 2-3 meals.
not in these 2023 grocery stores lolol
@trishaminne6954 walmart literally has ground beef 1lbs for $4. Eggs (18ct) for $2.75. I can make that last 10 days. Add any other food and veggies for a budget of $100 a month. An you can live off groceries. Especially if you hunt down discounts in promotions and all that. Which I do, and yes, you can get a rib eye for $13 and a pre made plate of veggies for $5. You just got to look lol
Ground beef is at least $4 per pound at Walmart, an easy google search reveals this. Meat is very expensive these days. 3 meals for $20 is $600 per month. You need to eat only rice and chicken to be able to survive on $10 a day.
In Canada it's literally cheaper to get take out, even tho a double cheeseburger meal at Wendy's is 16 bucks
People don't know how to cook. I see people loading up on pre-packaged and frozen foods. They are as expensive as restaurant food. Being a model, she has to learn how to cook. When you creep into your mid 20s, you can't be eating fast food and maintain the boy of a model.
“It’s a company car. My dad owns the company and I drive the car.”
The IRS has joined the chat.
Bahaha
Maybe she’s an employee?
The smallest of fry offenses.
Do you think its illegal for someone to drive a car owned by someone else? You know you can add drivers to your insurance right?
All I’m saying is admitting to lying about the business use of a “company car” on a popular TH-cam channel may lead to some unwanted consequences for business daddy.
@@Spice.Melange It's not illegal for someone else to drive it, but writing off the car as a business expense when its main purpose is personal use is illegal...
She’s so lucky to have her co-pays, car and car insurance paid for. To have family who support her. Her situation is better than many because she has help and support.
It is funny how we expect people fresh out of HS to afford expensive things. Especially when our parents were born into a less expensive world. Car Insurance also used to not be compulsory, so it was cheaper.
It would not be fair for me to have a kid, and leave them to dry in a more expensive world than I grew up in.
If she was 25 it would be different- by that time, you should have had enough time to at least do something
I couldn't imagine having had that kind of support, I was paying my own car note/insurance since 17, I had bills since my first job I've ever worked.
@@blaineharker7298 how old are you?
@@WoodyJ98 25, married now, things are tight for now but we make it work financially
@@blaineharker7298 alright bro that’s awesome! I was someone who had good fortune, but honestly I wish I worked and saved in HS, and even during college. Im 24 and single as well, just got out of debt. I save 75$ a week, which isn’t much but hey, compounding interest. May think of getting a second job for a few years so I can set up my retirement.
We got this brother
"Tell me what to do!"
*gets told*
"I dont wanna do that, its too hard"
*collective head slap*
" in my defense... Its only fast food"
Calebs face and reaction is the hardest ive laughed at this show. Amazing
There are restaurants cheaper than fast food even
I love how it always starts slow with pleasantries and having a good time and then almost immediately Caleb starts losing his cool 😂
Pleasantries quickly turn into cover ups and excuses😂
It's what makes him hilarious 😂
Hahaha it goes downhill pretty fast
We need to a petition to have him wear a heart rate monitor with an overlay on screen!
@@RyChOr2005 Best comment of the day!!! 🤣🤣
She needs to be tracking her modeling and pageantry as a business, and able to deduct those expenses. If she is profitable like she says she is, it’ll def qualify as a business rather than just being a hobby.
My guess would be it would be a little more clear to her how big a money pit it actually is if she tracked it all separately.
Currently, she doesn’t have separate cards/accounts for these activities, so in her mind all the associated expenses just get jumbled in with every day living and she isn’t able to see how unprofitable her modeling is.
She makes no money from the pageants so I think it would be a stretch to consider it offsetting her modeling income.
Entering pageants isn't a business expense fool.
@rfcbass6810 it absolutely could be fool lmao if your business is your image a pageant is obviously a business expense no question about it. For God's sake I can write off a mcdonalds meal for my business
@@MrImaWizard sorry pal, you just don't know what a pageant or a business is.
It's crazy to me how many people casually admit to tax fraud in these episodes without even realizing they're doing it...
Dad owns a business that's writing off a vehicle as a business expense but it's functionally her vehicle and she's not working for him... That's fraud, girlie. Not that I think the IRS necessarily cares enough to follow up, but she just unknowingly implicated dear old dad in a crime against the government agency you least want to fuck with.
Need more info before coming to your conclusion. If it has the business’ name on it, it’s now advertising.
He could also have his daughter on his board of operations…boom now it’s 100% legal
@@EliEnterprise Except that having your daughter be a director in name only probably doesn't meet the requirements.
Yes She's not very bright!
@@CSpottsGamingI bet plenty of politicians do the same with their kids in countries US taxpayer money is going to! The Left and the Right are wings on the same bird that craps on us...
I absolutely love that Caleb doesn’t let anyone bull sh*t him.
Tips for her: Buy frozen burgers (frozen tends to be cheaper), and lettuce, and make you’re own lettuce wrap! Repeat for everything else you like to buy. Pinterest the recipes.
My sister bought flour for I don’t know what, but idk why or when but I had an idea to use it to make my dough for empanadas. And so I did, the flour went out like months ago. Gonna buy more soon. So, make bread y’all! I searched it up and it doesn’t seem that hard. There’s this lady who is all about using the least amount of money and she has a lot of different types of bread recipes she has made.
@@41052 Love that! I started making all our bread products about a year ago and it gets easier and easier the more often you do it! Now it's just a habit and it's great!
@@rebekahe9692 nothing like homemade bread I bet! Cheap and taste like it is expensive! For certain then I will start making all bread products by hand!!!
This is the only way my family would make it. Everything is eaten at home except special occasions. Crunch wraps, I make bread, lettuce wraps, chili to die for, soups for the freezer etc. Eating out is just a money black hole.
She probably couldn't even heat that frozen burger up without burning it 😂
Caleb thanks to you and these videos I am debt free and have a 6 month emergency fund. You made me think about my dumb decisions and correct them.
❤️❤️
Everyone says they have a 6 month emergency fund until they see the size of the emergency
True there ! One medical emergency is over 50 thousand if you don't have health insurance plus income lost for down time from work....I started watching these once I was put in that situation.
@ublade82 it's tough to gauge the cost of an emergency. I have 6 months of an emergency fund for living expenses saved and working on saving an additional amount to set aside for "repair" emergencies
@@ublade82It's an objective measurement held to a standard, so yes, people who have 6 months of funds will say that until they spend it.
watching this channel has genuinely changed my life. I almost have my 6 month emergency fund built, NO MORE credit card debt, and I no longer stress about how I’m going to pay next months rent. I feel so free already and it’s only up from here!
Hell yeah 😎
Congratulations!!
That’s amazing!
That's awesome
Ayye! Way to go Katie! I have to admit my life has gotten so much easier being able to watch caleb. I think most of us know what he's saying already but sometimes we need someone to bring us back to reality.
I just stumbled across your stuff and after getting halfway through this episode I can't thank you enough for putting this show on and helping to teach the younger generation how to be less stupid with their money.
We need more people like you in the world. Who battle ridiculousness with logic and reason. Keep up the good work man
I became debt free a month ago now because of you! Thank you Caleb you’ve changed my life
Proud of you Allen! Stay at it!
what did you do?
But how? He doesn't really teach anything here. He just yells at guests for reckless spending
@@Daniel-vu4qu I hear his voice in my head whenever I think about buying anything besides what I need. No taquitos for me anymor3.
@@Daniel-vu4qu it’s very helpful seeing what NOT to do, and most of these people are relatable it’s like a reality check. He does have advice videos also
She was literally more upset about Caleb calling her out on 'taquitos' because someone might think she was eating carbs than herself for spending so wastefully. 🤦♀️
“But the calories!” as Caleb reads off Dunkin Donuts on her statement.
Anyone else religiously go through all their financial accounts like three times during every financial audit or is that just me?😅😅
Ahahah I actually get my record physically sent to my house every month. I can see it online but I feel like getting a physical copy is a way for me to have to face it.
Yes!! I even think about making a Taquitos!! Card for in my wallet, so before I pay for something. Caleb can yell at me
Every. Episode!
keeps me motivated
Meeee, I'm like I don't want to end up like these people.
I've been in serious credit card debt twice. First time was 8000 at a 45000 annual salary, second was 21000 at a 70000 salary.... The first time I thought it would never happen again, the second time I knew it would never happen again.
She should separate her model business expenses into a separate account so she can track it and for tax purposes
Also, more easily keep track of if she is actually making money.
Could create an LLC and apply for an Amex Business card. That's what I did for my shipping and vendoring for tcg. I was age 22-23, so it's good to start your business credit early with these banks.
@@baconofthearkafter she create an LLC she takes a 100,000 loan out. Invest all of it in a high yield savings account. Buy stock with her spare money. Flip 5 houses and in a year she will be able to retire 😊
@@MegaGsizzlelol
@@MegaGsizzle I was being serious though mate. I did this while going to school and working. It wasn't exactly "free money" as you insist. I didn't take a 100k loan either xD. I used my parents house as a brick and mortar.
I had hope for her in the beginning when she said "I want to figure this out while I'm still young". That hope quickly faded as she argued every point Caleb made lol
Caleb is very prescriptive and she wasn't satisfied without getting some descriptive advice. I actually didn't mind watching this one, better to see someone here who is young and in trouble due to inexperience rather than watch people who have full knowledge of why they're failing but refuse to confront it in any meaningful way.
Because accountability is kryptonite to women like that 😂
Wait till you’re a man and you spend 2 hours listening to this just to pay for dinner and find out she’s “polyamorous and still friends with her ex”
😂😂😂
She didn't take him seriously at all.
she will be find to someone will help her ,out she looks on her side......it will be a constant battle but shes young
Shit u aint lying, there will 100% be some simp somewhere who will give it up just because shes prettyy @@helena3631
Whenever someone comes on here who's a model or an actor or streamer, I just assume they don't actually care about the financial advice, they just want to use this to get a boost in viewership.
Yeah almost seems like a waste of an episode
Those types of careers tend to be unpredictable, so perhaps they could use the financial advice. We've seen people on here with regular jobs who don't take the advice seriously.
@@a.h.2667They could use it more than most, and might be less likely to listen to advice.
This.
Yeah, I used to feel bad about judging them but I definitely think some of them are using the Hammer for exposure.
I'm a junior doctor and live on tap water and ramen noodles. This massive debt ain't paying itself off.
Ironic slowly killing you’re body but you’re becoming a doctor wtf
@@kingswayoflife3948 Many medical trainees don't learn proper coping mechanisms throughout their rigorous training years
@@kingswayoflife3948 everybody is slowly killing their bodies, you and I included lmao
Some fruit and vegetables might be a fucking idea 😂@@Shmoffy_
Much is a bag of carrots where you live?
I have been a judge for NAM (National American Miss) pageants for several years… the money they spend on pageants is INSANE. The hair, makeup, outfits, fees to compete etc. really rack up. Not worth it just to get a couple modeling jobs here and there that she probably could have landed without the pageants bc she is a pretty girl.
Pretty .... but the critical thinking part is non-existent though.
Omg I just competed at NAM this summer. Any tips for a newbie
@@deirdrekiely6187Jeez she is still really young and just ignorant, it doesnt mean she’s stupid and needs to be given up on lol
How can you even tell with all that crap on her face
@@edrolick1 she's a woman, she's lost lel. Get a husband who knows how to be financially solvent and learn housewife skills to keep him happy.
As a photographer whose come across many models like her, the safe bet is to go to vet school. Modeling has its highs and lows for the average person. I've never came across a pro model that made a successful living just doing that. Go to vet school or learn a trade. Continue to model as a side hustle.
Agreed. I started off modeling in my younger years and I ended up getting a 6 month certification to do eyelash extensions. Fast forward a couple of years and I have a salon suite space and make 6 figures doing eyelash services. I also bartended and worked at nightclubs for years and made really great money doing that only a few nights a week. She should use her good looks to make a lot more money
not vet school, it puts you in debt for about $300k and it's INCREDIBLY difficult. It's equivalent to medical school except the salary once you begin your career is much lower. Additionally, it's incredibly competitive. You have to be on your A game in math, chemistry, and pharmaceuticals. So many people drop out of vet school due to the difficulty and how much time it takes up.
@@kaylacallaton7829not to mention that while there's demand for vets, it's also very stressful and depressing. But for once I hope someone does go for that 300K$ debt. It's the only calling she has, so otherwise she will get called.
It’s very difficult to get into vet school.
I’ve been watching your videos for about 2 weeks. I am horrible with money. I am attempting to turn things around with my next paycheck. I made a budget, focusing toward the highest interest rates. Fingers crossed.
Have you stuck with the budget?
@@alcubierre-drive not as closely as possible, but have paid down about $3,500 in debt so far.
Good for you, for making the change. 🎉
Caleb: losing his every loving mind
Also Caleb: I want to thank today’s sponsor SoFi
This channel has completely changed my mindset financially. I didn’t realize I was financially illiterate before this show lol… I take notes out of fear! I don’t want to fall into debt or in a financial bind. Financial freedom is what we should all strive for…
It's not that serious. Just live below you means, and stop caring what others have over you. Enjoy your life. Simplicity helps in life
agreed! Being out of debt is easy, keep it simple and make sure money out is less than money in. All there is to it@@TreyBoiii7
My great grandpa used to always say to never buy anything through financing even homes. He owned a house with 1 acre in the back that he had 3 cows on and a 2,000 acre ranch with tons of cows. Granted he invested early in Microsoft and Cabbage Patch dolls early before they exploded but he never bought anything through financing and had the property and money to invest long before he died. When he died he was worth over $150,000,000. If you think about the fact that he never borrowed money in his life and wasn't paying that interest it makes a lot more sense why he had the money in the first place to invest, even if he didn't get extremely lucky with stocks he still would have been able to retire very comfortably.
it is smart to not finance if you can avoid it but I will say not financing for a home is going to be difficult for 99.9% of americans now that even absolute shitter homes are unaffordable
@@dsmbilly3690
@@TreyBoiii7 I find it a bit silly that you would make the assumption that I care what others have (?). I don’t feel the need to keep up with whatever is trending lol I was simply leaving a comment to Caleb thanking him in his impact. I take the notes and continue to watch to learn more on the subject that schools failed to properly educate us in.
I was just like her when I was her age, maxed out $1000 credit card and a $500 card completely screwed up my score. 5 years later my credit has gone up to almost 700! Debt free, car fully paid off, working on my emergency fund now. Just glad to be out of debt and have a good credit score. I took out a loan on my car and paid the monthly payment on time every month for 3 years and closed my credit card after it was paid off. Now I pay off my credit card fully every month to get my score even higher. Love this channel so much!
But did you have a dad who paid for almost everything??
21:30 Woman you need to learn a spice rack. My lowest point with food was when i had to watch a family member house. I didnt have a job so i was delivered weekly rations of prepacked food.
I quickly grew sick of it since its the same meal day in and out. So i quickly started experimenting with the spice rack in the house and found a lot of flavors i enjoyed
“Watching family members house”is Weird way to say you went to prison.
36 y/o. In cc debt $24k at the start of 2021. Down to $6k and will be paid off by March 2024 or sooner.
did you end up paying that off?
I'm curious too!
@@banchotaco I paid it off on 3/15/2024. Finally free from the weight I chained myself to 3 years ago.
@@huisanubisfan98 I did and I'll never put myself in that position again. The only debt I have now is a car payment and mortgage. Rebuilding my savings now and maintaining a strict budget
🏆
Im not worried about her at all. If she gets too deep in financial trouble, there is an entire army of simps that'll bail her out 10 times over if she requests it
Reality
true
Absolutely. Twitch, while congested, is literally right there. She'll be fine.
I was thinking the same thing. She’s lucky for pretty privilege
Worse comes to worse, 6 months of OF will get her out of all debts and set her towards financial freedom
She said, "I have $8 left" when she meant $8 in available credit. That's the thing where people get a credit card with a limit of $500, and they think, "I have $500 in my pocket!" My wife was the same way, and it's absolute death when it comes to finances. Caleb is NOT lying about how it can turn into $50,000 in a decade. My wife had more than that in her mid 30's. Hopefully this young lady is able to change that mindset based on this conversation and avoid the mistakes that so many people have made.
My husband thought of it the same way..was absolutely terrifying.
I heard a long time ago the woman you choose to be with is arguably the most important financial decision you will ever make in your life. Best case scenario she will either help you make money or even save money. Worst case she will take you for everything you worked for and then some especially if kids are involved. That's why I'm glad I found Caleb's channel because it helps alot to see the patterns amongst the folks who decide to come on the show. Sorry you had to deal with the financial burdens your wife put you through and hopefully it's gotten better overtime.
At least it's only a $500 card. Good test to find out that someone isn't a "credit card person" .
My mom told me about this stuff when I was younger so I guess it was always with me. She said when I turn 18 and credit card companies start coming after me that I have to know that money is not mine. She has a lot of debt cause of credit cards, I don’t even know the amount, and it’s not my fault or responsibility but she only got into that debt to pay for our medical bills and dental. I hope as I grow, at least when I get to 25, I can help start paying this off for her.
@@b00biejinglespartner*** you choose 🙄
She’s not gonna have to do any of this. She’ll be married and pregnant this time next year. Congratulations on your retirement.
PERFECT EXAMPLE THAT PEOPLES LIVES ARE NOT AS GLAMOROUS AS THEY LOOK LIKE THEY ARE. If you passed this girl somewhere you’d probably never guess she was struggling so much financially. Same with me! I’m in the HOLE.
Pretty privilege at it's finest...
I think you most likely would indeed guess her finances are basically exactly like this. Doesn’t have much money, spends a little more than she has, doesn’t think about it, Daddy pays for a few things. That’s about exactly part for the course.
1k in debt is not a massive amount at all. She can pay it off easily , but just uses her pay check money to buy food and other stuff because he card is maxed
Watching shows like this has made me stop assuming anything about people’s finances
@@GnarlyChefI feel like this particularly can be one of the downsides of being good looking and put together. As in people would assume you are well off so they won't think of helping or you could be pushed into situations where you need to spend more cuz you look the part.
The fact that she was so shocked by the idea of listening to ads on Apple Music tells you all you need to know.
When she was like “but how can I just choose what song to listen to?” I’m like ummm has she never heard of TH-cam??? Almost any song you could want is here too!
@@suzybearheart530not while in background, unless you pay for premium which results in the same problem. And almost nobody listens to spotify on the app
@@suzybearheart530She needs to learn how to listen to the damn radio!
@@TaraContior just TH-cam, TH-cam has everything for free, and a lot of music you won’t find on apple and Spotify is on TH-cam
Yep. I remember another guest he had argued the same thing about paying for Spotify. I’m in a relatively stable financial position with no debt other than a mortgage and I still don’t pay for Spotify or pandora premium. Some people act like listening to a 30 second ad is a huge hardship.
This Audit is infuriating, she could get out of debt pretty quickly with where she's at now, but her patterns are indicators of a problem that will balloon to a huge problem by the time she's in in her mid-twenties.
Paris: I want to change my bad habits.
Caleb: Here are some good habits.
Paris: No, I don't want to do any of that, [Insert 10 excuses here].
🤮
She's 20. Prefrontal cortex hasn't been fully developed yet.
Honestly the fact that she’s 20 and went on the show, is respectable because it’s more of preventative measure. She’s also getting exposure although not the best but it’s still exposure. She’ll most likely do better now if she takes Caleb’s advice. I’m rooting for her to do better. When I was 20 I was confused of all my debt, because I didn’t see the bigger picture when it came to eating out.
Let's be real here, she'll get married to a guy and the guy will be dealing with the finances, and on top of that shes a woman and beautiful, her life is already set to easy mode
First thought…pretty is as pretty does!
@@tbayhell2304 Stop making excuses for her. there are have been other people her age on this show. Daddy pays for almost everything and she'll probably end up as a trophy wife so she doesn't have to have discipline.
Investing in yourself is supposed to increase your net worth. I don’t think she’s realized that the way she’s investing in herself has decreased it.
Using those annoying grocery flyers in your mailbox to plan your grocery is key. It tells you what meats are on sale so that you can either stock up or just meal prep for that week.
Or just skip meat if you're trying to save money. Much cheaper.
@@tedfort1698This is true. Buying huge sacks of dried beans and lentils is so much cheaper than loading up on meat.
@@livmilesparanormalromanceb6891 Life of a peasant who does no manual labour personified.
@@livmilesparanormalromanceb6891it's also not sustainable, there's one and only one things I don't cheap out is food. And by that I don't mean eating out I mean getting good quality produce.
@tallesttree4863 A peasant who doesn’t do manual labor? That doesn’t track. More like the life of a peasant who does all manual labor.
Super happy and proud to say that today I have finished paying off my car loan after only 22 months (72 month contract). Now I just have to save up that emergency fund. Thank you Caleb for helping me better understanding personal finance in such an entertaining and informative way.
Congrats! Did you buy new or used? I am saving up for a car myself and would love to know tips and tricks
@@Casbass__ Buy used right now. It's a decent market these days if you're buying cash, interest rates are disgusting do not finance regardless of credit score
@@ctreacts1537this guy gets it. Buy cash but make sure it's reliable
Wow! How did you do that? What was your plan?
So I bought used because I was always taught to not spend the extra cash on a brand new car. My personal rule of thumb is to buy a car that is at most 3 years old since it will be considerably cheaper and is still not crazy old. Of course buy from someone reliable and get a mechanics approval. I am in a blessed situation where I am living at home with my parents so I do not have rent but I do have other expenses I pay for. When I first got the car I made sure the minimum payment was something I could manage with my income (~$50k/year) at the time. I eventually cut back on a lot of hobbies, going out to eat, and frivolous spending. I made a budget and it helped me realize that my biggest spending category was fast food. I also ended up getting a new job last year (2022, about 6 months after i got the car) that shot my income up to $60k and then again to $65k after my end of year review. I tried to make sure I kept the same spending habits and not increase unnecessary spending and at the same time I increased the frequency and amount I was putting in to my car. In short I was just very focused on paying the car off before the 2 year mark and I wasn't gonna let anything stop me. I do have other debt right now for credit cards (~$1600) but with the car note gone I can take care of that in two months easy. Sorry I basically wrote a Bible verse but this is something I have legitimately excited about.
I WISH I had an opportunity to sit down and get roasted on finances at 20 years old. Only a few minutes in but I hope she listens to everything Mr. Hammer says!!!
Amen. I always wonder if someone had yelled at me like this about my dumb@$$ spending at 20 where I'd be now. If I was in Austin I'd go on the show as a cautionary tale of what things are like when you're 40 when you've done this for a few years of your 20s.
Man, I have come to the realization that some people are just destined to be broke forever. No amount of financial education, encouragement or help is ever going to make any difference. That's just how they're wired.
Those considering Sofi, please be aware you need to set up direct deposit to qualify for Sofi's higher end 4.5% APY. This means you must have a direct deposit from an employer, pension or government agency to your account every 30 days to qualify for disbursements to hit your account w/ 4.5% otherwise it drops down to 1.2% APY. This may impact those struggling job to job or gig workers that aren't paid through traditional ACH payments. Those individuals could receive benefits from other institutions above 1.2% APY that require minimum balances instead of direct deposit.
helpful. Thank you. was considering it though and now not sure
yup. just found this out the hard way as a business owner. I wish caleb would have mentioned that - it's super misleading.
THANK YOU for focusing on this caveat. 👍🏽👍🏽
Yes, this is so important to point out. Caleb should really mention this because it disqualifies a lot of people. I own my own business and don't qualify for the 4.5%. Further, SoFi uses Plaid to connect to external bank accounts. Plaid doesn't support either of the banks I use so I couldn't even transfer funds into SoFi even if I wanted the 1.2% APY. I currently have a high yield savings with Discover at 4.3%, highly recommend, a lot less hurdles to overcome.
I was curious to find out the catch too and saw this in the terms and conditions before taking the dive of switching my account. Marcus by Goldman Sachs is a better option where a direct deposit is not required each month. Or researching high yield savings options on nerd wallet will help find all the best options with the highest interest rates available at that time. My Marcus account was 4.3% or so last I checked. Commenting to boost so Caleb hopefully sees this, but he might not be able to point this out in the conditions for his ad read.
The more angry Caleb got, the bigger and brighter her smile was. Caleb, I don't know how you do it man. Another great episode 😂👏
She's a charmer I like her
@@FluxMD ew
She will do well in those competitions for sure, she's going all in.
Smiling and laughing is often a coping mechanism in uncomfortable situations. I do that too when I'm nervous.
I’m not sure how successful she’s going to be if in the beginning, she is this combative with Caleb. Like she keeps saying, “Tell me what to do.” But when Caleb tells her something to do, she’s like “Okay, but…”
People with zero sense of responsibility do that. How does she have to be accountable when daddy can bail her out anytime??
She probably never had anyone to tell her straight up. Chick's like this rarely hear no in their lifetimes.
@bluesh0es difference of opinion I guess she was incredibly combative just not in an aggressive way.
@@CRS-fe2zj Caleb has done too many episodes with people all across your personal beauty spectrum for you to attribute her behavior to her looks
@ad2094 you don't think her looms attribute to her behavior at all? You think she has a bigger or smaller safety met than that of a girl without looks?. She will be taken care if by some guy, just as long as she hasn't turned her parts into a wizard sleeve
Im so thankful that I have no problem eating almost anything. I feel like that helped me save a lot of money over the years.
She has pageant skills for sure, kept her cool instead of saying "I HAVE A DEGREE IN INFORMATION SYSTEMS" like other guests
lmao- idk if anyone will ever top that dude
Whats the name of that video? 😂
41 year old refuses to get a job and grow up@@KaylaMarie_
@@KaylaMarie_ th-cam.com/video/oZpWki2mOA4/w-d-xo.html
41 year old baby. Enjoy. It's a trip.
i set an alarm on my day off so i can watch the friday episodes when they first drop. i was raised to be financially illiterate and this show has helped how i think about finances and my future. i get my taquitos frozen and in bulk now. thanks caleb
Costco Taquitos👌😂
Parents make a huge difference. I grew up upper middle class, hearing don't worry about it about basics and we are not those people about extras so I really had no clue until I had to figure out my own finances.
Same, I only clued on after half a decade of working. Could have had half a decade more of compound growth. The lack of financial education has cost millions in future gains.
@@IAmebAdger When I wanted to build a house, my dad kept telling me that it will work out and I'll figire it out which I did eventually, but it was not much of a help.
I worked in a kennel in high school. Not really a sustainable career path, but definitely the best job I ever had.
I love these videos! I am 26 and at 18 I applied for all these credit cards, racked up debt, and didnt think at all how things would affect me until it was to late. Since March I have paid off 14 credit cards and I am way more cautious of my spending. I still have work to do but I am definitely holding myself accountable now! ❤
Rooting for you! I am 25 and paying off the mistakes 18 year old me made lol. Seemed like it was impossible at the beginning but it is so satisfying having that debt reduced. Yay for us ☺️
@@Laylanotlayla Yes! We got this! Best of luck to you!
God damn! 14 credit cards in six months?!? You rock for keeping that focus and progress for so long. I'm rooting for you!
@@pairofdragonflywings Thank you!!
😊🎉
I did taxes for a large number of model clients passed to my firm from a bookkeeper in New York City and they all spent well beyond their means. We separated them into two categories: traditional models, AKA runway models, and social media models, who would essentially agree to sell products on their pages. They don't make anywhere nearly as much as you think they do, and their expenses are sky high because they justify everything as necessary to maintain their modeling. I'm not sure how a model gets to Giselle Bundchen levels of income, but I certainly never saw one out of the hundreds whose taxes I filed.
I feel like the smart ones aren't there to make money from their career. It's for them to meet a rich man and lock him down for being taken care of for their rest of their life. The problem is rich men nowadays don't want to commit anymore, so that's a dead end strategy.
Ok so Giselle, Naomi Campbell, Cindy Crawford, Tyra Banks, Adriana Lima, etc... those are SUPER models. There is a difference between timeless supermodels who made millions from high end fashion contracts and these Instagram and Only Fans wanabees.
@@wuy4He'll commit if you fulfill your end of the bargain. If he's doing what he needs to do then so do you. If you fall short, he'll find it elsewhere. That's why being a wife is a skill set, not a title
@brainchamber99 which is what? Is this an actual thing and strategy??
I mean can the wife be college educated and work in corporate or a nerdy or male dominated field such as Engineering?
Also, do they need to have kids with them and have a happy family or just be there for sexual services
One of our nieces modeled and made very little after paying a hair stylist, make up artist, and travel (gas and hotel).
Grocery shopping has been a major game changer in my life. I’ve been watching Caleb for over a year now and I realized I was paying way too much on food each month. Mainly due to going out to eat every week with my girlfriend. We now budget about $100 per week on groceries and I’m still able to get what I want from that.
I'm not in any abnormal debt, because I own a home and paying more than needed on my loan (for my new roof), and you have helped me become more aware about ways I can save. You've also helped me realize how I can continue being on track to pay off my loan ASAP, which brought me some peace realizing how soon it can happen
Oou this girl probably has a bunch of enablers in her life, the way she AGREED she’s on the way to death debt so nonchalantly has me so worried…Girl you are so close to going from 17th miss Texas to cashier at Walmart with 70k in debt.
I really hope she reflects on her entire life and gets her finances straight.
First thing she should do is become a real vet. Maybe ditch the modeling, it's too hard to make work, other than sporadic gigs.
Enablers and simps.
She's an idiot and unfortunately nobody will tell her because they are trying to get with her.
Realistically she would never end up at walmart as a cashier. If the money problem was really that dire she could always start an onlyfans and make millions
You can immediately tell who will change, and who won’t, depending on if the person takes accountability for their actions. She will not
Yah but at the end of the day she probably wont need too.
Totally convinced Prince Charming will swoop her up and solve her problems. She’s got no sense of urgency. None @@mickoberst1381
@@mickoberst1381nope, just has to swallow.
A sugar daddy will definitely take care of her. Obviously, she doesn't care about what Caleb is saying. People who struggle for a living don't giggle when they are broke.
@@mickoberst1381until she is 30 or 40 yeah.
Even old men nowadays are wising up to marrying these women with no fault divorce...
I wish Caleb called her out more on the pagent. She said it cost $1,400 to enter (paid by family), $500 on cc, and $300+ on debit. So minimum this pagent cost $2,200 (her entire paycheck).
Maybe having her actually hear how much was spent on the pagent vs what she "made" from it would help her understand why she needs to save for pagents and not use plastic.
Great point
Right, and then she also says her parents aren’t great financial role models, sounds like they probably aren’t setup for retirement, and she spends their money on this 😕
Amen! Pageants are a money making industry and these young women aren't the ones making the money. Min pageant expense $2,200 plus all the beauty expenses ( hair, makeup, tanning, nails, gym etc) Her real number is probably closer to $4k or $5k. And she made what? $400 a month?
You forgot the $700 makeup fee!! On debit!
@@lala4499 her dad owns the company that owns the car she drives. They're probably set for retirement.
I was about to comment about how beautiful she is for being 20, and how I look terrible at 19, and then I realized she’s terrible at finances and I suddenly felt better.
She didn't come on for help, she's here for exposure.
And even with the fee she’s gonna get from being on this show she’s definitely not gonna put it toward the cards 🤦🏾♀️
I'm still yet to see anyone explain why they continue to spend when debt is spiraling. WHY are they going out eating, WHY do they think this is OK?!?!?!
Exactly, Daddy's going to take care of everything for her if she gets into financial trouble. That or her "hubby" daddy once she decides to settle down.
@@mikepearson8521 They are living in denial.
@@mikepearson8521 Because they don't want to sacrifice their current lifestyle
I would LOVE to see a collaboration with someone who can grocery shop and meal plan! I've learned over the years what works for me but I definitely could have used the knowledge in college. So many college students leave home without understanding how to budget their time and money and turn to fast food.
Yeah, even in shows like Till Debt Do Us Part, they'd sometimes partner with nutritionists.
@@LadyJaggerX3I've seen some of those and I think they do it kinda a weird way. The one that comes to mind is they sent the couple to this class that they prepped 3 meals for the week from a buffet of ingredients. It's just not super practical. I want to see them take the person to the grocery store, see how the person currently shops and then have the mentor show them a better way. That would help so many people so much!
Microwave meals is the way to go!!
@@arielgaede3673 You also have to consider that the show originally ran in the very early 00s, was based in Canada.
@@LadyJaggerX3 Oh for sure, I'm not criticizing how the show was done, just pointing out that it's different from what I'd like to see these days.
This was a refreshing episode, having a younger person on the show with minimal debt. I like how Caleb approached this one, hopefully she really takes the advice.
She's fighting with him at every step. There's zero hope for her.
yeah it was refreshing having someone on who would keep with conversation and... essentially not seem like an actual idiot.
She has eczema and acne which is directly connected to gut health. She is putting junk food in her gut. She eats healthier and can stop with dermatologists and drug bills.
I feel like she came on to market herself as a model and doesn’t care much to actually fix her situation.
Bingo!
Im 9nmy surprised she didn't drop her only fans account
Home economics would benefit so many. People don’t know how to save grocery shopping and cooking until someone shows them step by step.
It's not rocket science lazy parents.
It's completely self-inflicted. Too many guides online to use no home ec as an excuse
Girl! Real life example that I do right now. 13:03 First Watch's breakfast protein bowl is quinoa, Italian sausage, mushrooms, tomatoes, kale, parmesan cheese and eggs. It cost $11.99 at the restaurant (plus a tip). I went on HEB site and grabbed the costs to buy the ingredients for this same recipe and the total is $22.47. A package of sausage comes in a quantity of five links so that's 5 meals which would turn out to be basically $4.49 per meal. $22.47 vs $59.95 That's grocery shopping!
And if you dont want to eat the protein bowl for five days, you can use the sausage and kale as ingredients to duplicate Olive Garden's Zuppa Toscana soup and the quinoa can be used to make a a yogurt and berry breakfast bowl, or used for any other recipe.
I definitely still get takeout, but im so glad me and my partner love cooking so we mostly have homemade meals every day. You can be very smart if you fill your cupboard with staples (couscous, pasta, quinoa if you like it) and spices. Can make meals dirt cheap in the end.
You still eat too much. I’m a full grown 50yr old male and 5’10 145lbs all my life. I eat bananas and bagels and cream cheese for breakfast .59-1.30. And I’m a damn good surfer!! High aerobics all cardio on bananas!! You all eat waaayyyy too much. Spend waayy to much on groceries let alone eating out. Discipline! Eat in for one year no cheats and brew own coffee at home for a year teach yourself discipline! No one has self control! Self control for food alcohol and savings! It’s all areas self control!
yeah, she said her food takes bad to her when she prepares it.What 's the solution for that? 😂
Yes, that is why I genuinely love cooking
@hoopslaa5235 some people need the protein and vitamins not found in bananas and bagels 😅 im really glad that you're healthy and active, that's great
I‘m so glad I married a guy who is as passionate about finances as Caleb… I was always good with money and would save a decent amount, but now we have investments and are shareholders and all the good stuff. It‘s quite the saga to me in a good way. I would never have accomplished that alone.
She definitely came on for promotion for her modeling. Not saying she doesn’t want to fix her finances, but I don’t think that’s her main concern right now.
Is it bad then when it said "model" i automatically assumed she was going to be an only fans model? I think the internet has broken me.
@@xerxestheimmortal1 Was the first thing i assumed. I even went into the the video discretion to verify.
@xerxestheimmortal1 would you still think that way if it was a man? If yes, then at least you're not sexist 🤷
@@rayisincrisis Lets not pretend like a majority of OF creators arent women. Yes there are men but they are the minority.
@@TheForever206 ik, i just don't like how you guys talk about it :/
She's too young to take this seriously. She''ll regret this in 10 yrs when she's in way too much debt
Idk sounds like her dad would prob bail her out if need be.
Don’t worry she’ll find a simp to bail her out. Either that or live of her dad
yikes.....@@malcolmchicoye2660
Been there done that. But better late than never!
She's not too young. The idea that one can't possibly grasp finances until they're in their 30's needs to die already. It just leads to suffering for the young people that believe it.
Friday episodes should be reserved for the WILDEST guests to end the week.
Omggg good idea
Yea, I want to get mind blown by some financial illiteracy at the end of the week.
That just complicates things and people binge watch these anyway
I don't think he's ahead of schedule enough for that. 😅
@@JV-uo7zzMondays are for couples, Wednesday moderate wild guests or mild and Friday is WOAH ARE YOU SERIOUS guests
"Were gonna work on that" in regards to missed raise. I was told that by management when working a sales position long ago. Waited a year, never got the raise. Quit with only 1 day notice and got a job that paid nearly double.
my mom has that habit with grocery shopping, she just goes in and buys what sounds good or “oo i could make xyz” without any plan and buys stuff that won’t go into a any specific meal and goes bad. That’s definitely what she’s doing lol
Yes once I started meal planning for the week and taking inventory of what I already have in the house it's been SO much cheaper. Sometimes for a recipe I find I already have all the ingredients and don't need to buy anything. Me and my husband do about $85 a week on groceries
To be honest I have gone to the grocery store starving. It is a bad idea 😂
That's not entirely bad - as long as you know how things normally cost, you can pick up stuff on huge discounts that wouldn't be otherwise in your meal plan. Going to the store trying to buy specific items can get you screwed if you don't have the flexibility to not get them if they are expensive. That applies more to stuff that you can freeze, but those also tend to be expensive, like meat. Like someone else said, just don't go shopping when hungry :)
@@Outworlder i think it’s easier to have that flexibility if you’re a flexible cook, which some people, like Paris, really aren’t.
@@aileenonvenus that makes sense.
But then again, she's complaining that groceries are expensive.
I guess, if the plan can't be flexible, that one would have to hit different stores when prices are not great. Or farmer's markets if available in the area.
I worked as a kennel tech in a animal hospital for a year. I LOVED IT. If you don’t have crazy bills, it’s so satisfying
i've always enjoyed working with animals...do you need any previous experience?
@@rasheedahsilvertree not for a kennel tech. A vet tech which helps with surgeries and vaccinations and checkups requires some kind of kennel experience usually at a minimum, some places require certifications or education. A kennel tech isn’t good long term but for a year or two? It’s fun, you get paid, you learn a lot, and it’s a job you’ll enjoy most of the time hopefully. Depends on the facility.
One thing I’ve found to be extremely successful with grocery shopping is doing mobile pick up for places like Walmart. Way easier to pick out and know how much you are going to spend and find cheaper substitutes for certain items you might miss in store. Also, can start adding items at the beginning of the week and know by the end of the week how much you’re going to be spending. Love these videos, they have definitely helped me reorganize my finances!
Doing pick up at target has also helped me not impulse buy things - I’m not wandering around the store buying extra things I don’t need
Thank you Caleb for your content. I don't have any bad debt, but I have been struggling financially for quite some time now. I have worked part time jobs for years, often two jobs at once. I finally found the courage to apply an additional role at my current job, and I got it! It is an amazing chance to advance in my career. The pay is also way better.
I've always had a poor self esteem, but you gave me enough self-confidence to reach for better financial future. Thank you. ❤
I have a family member who goes to vet school at A&M. It takes a lot of work to get in, much less keep your grades up. There's no way she can devote that much time and money to pageants and modeling while going into such a demanding program. She'll have to choose one.
She does at least seem to be realistic about that.
My daughter is in Vet School at Texas A&M as well. It is extremely hard to get in to vet school. She has had straight A's from kindergarten all the way through her BS in Animal Science. She is in her 2nd year of vet school and it is extremely hard and takes up just about every waking hour between classes and studying.
@@JulieB1387 That's the story for my cousin (the said family member) as well. Our whole family is astounded by the dedication she has. Best of luck from one Aggie-Relation to another. My cousin just graduated with a bachelor's a few months back and is hitting the grind again for a master's.
Your audits really motivated (and scared) me into really budgeting to get rid of my debt and do better with my finances.
The reason I watch these is because of the total brutal honesty. It's what we all need and should have heard growing up.
This young lady knows she has a bailout plan... Marriage. A man does not have this option. The question is... Is she smart enough to leverage her youth and beauty while she can.
With her love for dogs and her beautiful looks, this girl could become a dog trainer and post videos on her training all day and make money!
How do you know she’s beautiful?! The LARGE MAJORITY of womens judgement of looks and MOST ESPECIALLY MAKING MONEY OFF IT is men. This shows how delusional and out of touch with even your own generation and just humans in general is that you don’t know or even if you do you grossly forget and underestimate the actual reality of men’s visual stimulation. You’re all so fooled by the marketing and lies that tell you women about BBLs and lips and shit. Not sorry this has to hit you know butt men like thin, proportionate on the skinnier side. NO ONE, not me nor you are anyone watching has any idea how HUGE SHE IS!
She's a beauty and charmer. I think she'll be fine
Charmer !?@@FluxMD the comment section isn’t fooled at all?!? Haha, sucks to be you!
ummm no. I know a lot of people with huge followings on instagram and tiktok and they make almost nothing
@@hoopslaa5235 Jesus, Calm down kid
She isn’t going to do any of this. She’s been irresponsible with her money thus far and shows no remorse.
Yeah she definitely doesn’t care since she has her parents’ money to fall back on.
dw, daddy owns a company so whatever debt she racks up to pursue her career even if it flops her daddy can support her. even if that doesn't work out she can marry a dude who can support her since shes so pretty wow
Luckily for her she's pretty enough to marry a rich guy and never have to worry about finances again lol
When i got my first credit card at 18, my dad sat me down and explained that carrying a balance on a credit card is never a good idea and that the only loan you can get that's worse than carrying a balance on a credit card is a loan from the mob.
Loans from the mob are usually wayyyyy better. Under 10% almost always. It's just that it's a different kind of "collections" it goes into...and bankruptcy won't discharge it.
Hashtag Mob Shaming
Carrying a balance is perfectly fine; just pay the full bill before the due date like any other bill you have. If you treat a credit card like a bill instead of being free money, it’s easy to not ruin your finances. The benefit of credit cards is they help credit score and give you cash back options on purchases.
@@radiicola3631 that's exactly what he meant, carrying a balance past the due date.
Indeed. There's a reason why college admin offices have credit card applications in them-- they want to snag the kids who _didn't_ get the talk from dad!
@@radiicola3631 Carrying a balance means not paying it in full before the due date.
She obviously doesn't take her situation seriously. Beauty and entitlement come more than often hand in hand. In the best case scenario she ends up having her lifestyle being financed by some wealthy person.