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I'm sad Caleb I was really looking forward to this. But in the video it says the offer expires yesterday. 02/29/2024 but the video was released on March 1st. Saddays
Something she is leaving unsaid but I think its first in her mind is she wants to find a guy so she can stay home and not work. Truth? If she lost some weight she is actually quite pretty, has nice hands and a pleasant voice. If she lost some weight, and I dont even mean skinny, I mean just lose 40lbs she would be more shapely. Lots of guys would be fine with her being at home as long as she isnt lazy and keeps the excess weight off.
I was startled when all that came out. Those long haul trucks have cabins built into them, mucheasiertolivein than an SUV. She could travel. She had to spend very little time with other employees. That was her dream job and she quit it because it was "unorganized".
Turnover in long haul trucking is 94%. To a near approximation, the type of person who quits that job is "literally everyone". The industry is absolutely a shitshow right now. It's no one's dream job. Back before deregulation (in 1980) when it paid ? Maybe. Even in the mid-90s Teamsters at least had better healthcare than anyone does nowadays. But now? It's a mess, and people are dying on the roads at increasing rates.
@@Needawholepailofwaterwhat’s crazy to me is that in my area of North Carolina cdls are needed like crazy that by itself earns you a job making 1500 a week literally driving a box truck around town for six hours a day I know people in this position it’s genuinely crazy to me.
One of my favorite sayings that I learned recently is "The rich stay rich by pretending to be poor, and the poor stay poor by pretending to be rich." Right now I'm not pretending, I'm just poor.
Literally almost word for word what I told my ex. "No one likes working. Even people who love their job dread work sometimes. If everyone had their "Druthers", no one would work and we'd all be millionaires. But that's not the real word. You don't GET anything. You EARN literally everything. No matter where you go, no matter what you do."
Says you guys. I love being a CNC machinist. That's why I want to trade school for 2 years because I love it. I actually wake up excited to go to work and stay late and go early on top of it most of my days. I make good money and I've just started out. I get as much overtime as I want. I get good benefits. It's not a job though it's a career and there's a big difference between a career and a job. I would never work something my whole life and not enjoy it that is the path to a miserable life. You don't like what you do why don't you go find something that you would enjoy do you know how many career paths there are out there? The trades alone have so many awesome jobs almost anybody can find something cool within the trade alone even women can find something in the trade. Go get a career.
@@sbonellithere’s been a few people on here who have been kinda… not quite all there, yeah. I really think there are people who can’t run their own lives. 🤷♀️
@@sbonelli I would like to know how she grew up. I have to imagine her parents basically abandoned her at home all day so she got absolutely zero life experience until being kicked out the door. Especially the whole nail cutting thing like who in their right might who wasn't just abandoned growing up wouldn't know how to cut nails.
This is worst case of financial guru brainwash I've ever seen. Dead broke and homeless while still trying to retire early, make passive income, have a side hustle, and start her own business :(
We're finally seeing the problems caused by those financial bros and gurus online. She literally believes it's THAT easy to make it. Caleb even said it. She's been sold a dream.
Yeah but she is just saying thought bubbles, her statements are untethered to anything, just complete random words FIRE, travel, 30k, future, 1 million its all just complete nonsense.
@@MegaJohnnycageshe doesn’t really understand the concept of travel. Like being a long haul trucker and going to Cali and not being able to afford LA. She doesn’t realise she is traveling. It’s not the destination but the journey. She may not go to LA this time but she might in the future but she still traveling. Make the most of what you have. She would go to the Eiffel Tower and say ‘I wanna go to the Eiffel tower’ staring at her phone. And someone says ‘you’re at the Eiffel tower’ looks up uninterested and says ‘oh is that it?’ Stares at her phone.
I just cant beileve she considers herself a truck driver. I've grown up in a trucking family, what my dad and uncles did for a living. What this shows is how badly the requirements have gone down. An owner operator use to know his rig inside and out and yet modern drivers barely do pre trip inspection. Let alone work with flat beds that take tarps and straps. Just rember she could be in a 12 plus ton truck coming on roads near you lmao.
But without wanting to learn how to govern or socialize like a princess, study & exercise like an astronaut, or work with a coach & practice live on stage & work with choreographers to be a famous singer. She's self defeating and doesn't WANT to do anything. She just wants things to magically happen because she's given up. She SERIOUSLY needs therapy - her obesity and diet is literally destroying her and ruining her energy.
Exactly my thought as well. It's honestly more sad than anything. This poor woman thinks being a millionaire self-employed trucking owner-operator is just around the corner so she can retire in her mid-40s and travel. I couldn't think of a more perfect case study on how badly the American education system is failing people in terms of personal finance education.
I mean I honestly think a part of the issue here is just her intelligence, to be totally honest. Like she doesn't understand things that are common sense to most people, she doesn't have coherent responses to things, and she can't understand how her actions impact even her immediate future. I mean honestly I think she has a low IQ, like bottom 5%, bottom 10%, somewhere in that range. Edit: I mean just watch 25:00 - 25:15 , that isn't how somebody with average intelligence acts.
🙏🏾🤎 People should have some empathy. Not surprised they don't... we don't know other's story. These comments sicken me. I hope she succeeds in her life.
Borderline Personality Disorder, adverse childhood experiences, and depression can make you not want to participate in society. I'm glad you can see the pain she's in too.
She’s the perfect example of how social media has convinced everyone they can be a landlord and it’ll just be super easy money with no work and no effort. It’s not easy. It’s a lot of work and it requires a lot of money up front.
It can be easy depending on the property and if you luck out on tenants And if you bought property anytime between 2009-2020, you've made out like a bandit
It was still a pain in the ass then, I think people just gotta understand if your a landlord there is a chance you get people that destroy your property. That said they made decent money around that time but it was a pain in the ass with some people. @@jakeleisure8326
@@jakeleisure8326 we bought a property in 2019 and 2020. The expenses up keeping the house eat up most of the profit. The mortgages are getting paid down but it's a ton of work and we don't make a profit. We have good tenants too! People underestimate the amount of work and $$ it takes. I know I did when I first started. My expectations are way lower now.
Is someone from america maybe able to explain to me how being a landlord is a lot of work? where i'm from you pay a real estate agency a couple grand to advertise your property and they handle everything, after a tenant is put in they take $10 a week and that's it.
I make $70,000 a year and there is not a chance in hell I'd be able to retire in 10 years. My eyes almost popped out of my head when she said she wanted to retire before she turned 40.
I'm really glad Caleb did some math for her and showed she'd need to save/invest like 6K/month just to retire young if she wanted to do FIRE. I think the movement is a great idea, BUT it takes a lot of discipline, work, and money in order to retire comfortably in your 40's. I thought she was kidding when she talked about it :(
What irks me really hard is how she's talks about saving $6K/month like it's easy when she can't even hols down a job and quits when it gets too hard as if no one else thinks work is hard or hates their job.
I honestly think she convinced herself of that to help her cope. Notice when caleb tried to give her a reality check her immediate response is "guess I'll die." Reality is too much for her so, she believes the delusion on the internet in order to cope / cling to hope.
@@leezak7540 Good point. I had a similar mentality when I was depressed. It's hard to get out of that mindset without getting some sort of treatment or outside support. I hope she's able to get help.
Truck driver here! I feel for here. It does suck at first. You get barely any training, management doesn't care, and any complaint could get you fired! But, a few years later, I'm making incredibly good money, $140k a year as a company driver, and I enjoy my time off with my family. I'm able to save for retirement, invest in my side businesses, and have a real future ahead of me! It's not for everyone!
I haul chassis trucks like f750s before they become everything else like RVs, dump trucks, and sometimes bigger vans like the transit 250! It's a great field! Specialized hauling pays well.@@jaydubya9265
I'm also so confused on how she's 27 years old with this mentality. She's going to be 65 with no retirement, no savings, working as a city bus driver. Jesus Christ. That's scary.
if i didnt have a pet, i'd be doing this lol i work from home and am super quiet but no one rents out a room with someone with a pet around here for some reason lol i am hoping to one day come across someone renting out their spare house. i had a friend who lived in someones suped up shed that had ac and electricity and all he did was have his bed and gaming computer there and was paying like $300/mo
Having had personal experience with a family member with this, she almost appears to me to be developmentally disabled. Until this is addressed, nothing else is going to help her,
Yeah, I had the same suspicion as the video progressed, and she seemed to keep making statements that are not actually connected to reality. Broke, jobless, living in a car and suggests she gets passive income by owning a rental property. All the other stuff she said along the way as she revealed how she used to make more money as a truck driver, and seemed to acknowledge her current situation has been affected now that she's not working that job. Then in the next breath said how she didn't want to be a truck driver because it was boring. Then revealed that she quit that job as a truck driver. This poor woman needs someone to help her and make sure she's not making poor/irresponsible decisions that's going to entrench her into prolonged homelessness.
I also have a family member who makes a lot of bad decisions and refuses to help themselves who has a developmental disability (which she denies, says she's grown out of it 😑) but I don't get that impression from this girl. She just seems delusional. I've met many like her. They don't want to work, and they think an easy life will fall out of the sky for them
Getting a job as a bus driver for the city might be a good idea. Health insurance. Decent wage. Regular hours. Stability. I am heartbroken that she is working this much and does not have a home.
2 things 1 don't feel to bad she's doing it to herself 2 I'm almost 100% sure she would say she hates kids so she can't do that job. Because she said that in the video
@logan982011 the comment said a bus for the city. Like a public transportation bus in the cities not a school bus. But still kids ride the bus in the cities so you might still have a point.
@@logan982011there is more chance for adults to be in the bus than for predominantly children. a bus driver for the city differs from a school bus driver, so I don’t think the commenter is referring to school buses
To me, she’s severely depressed, not delusional. She sounds she’s completely given up on life mentally and physically. She’s exhausted. I truly feel for her 😢 I think she needs more than just financial help.
Buying a relatively new car while severely depressed in the way you're describing would be an interesting choice. Since we don't know her and can't diagnose her from a video, I can't be sure either way. I just know it's sad.
@@pretzelmaker3122 It's pretty common for people with depression to engage in impulsive spending. It gives them that dopamine hit that their brain can't create on its own. Same thing with the fast food. Easy dopamine combined with lack of energy/motivation to cook and it's just too easy to make those bad calls again and again and again.
I just realized that there are a lot of people who think that speaking to a financial advisor is going to fix their situation without them changing anything in their life.
The reality is very few advisors would actually work with someone like her. A coach maybe. But it takes a tremendous amount of time to put together a financial plan. Frankly, she isn't even at that level for one, nor would anyone look at her as a prospective client. But if someone with this kind of attitude was working with an advisor, there's a high likelihood of them getting dropped. An advisor is a fiduciary and it can put them in murky waters if the client is consistently not following advice. It's a sad situation
Yeah quite sad isn't it? They think by going to a Financial Advisor that someone is going to review everything, tell them things aren't that bad, hold their hand, take on all their adult financial responsibility, and fix or solve all their financial problems, and do everything for them. These people think they can act and behave immaturely for along period and then go to someone better and smarter then them, so someone else can miraculously fix everything for them and then everything will be fixed and reset like starting a video game all over from the beginning. They want to avoid growing up and solving their own problems because its scary, difficult, and hard. Welcome to adulthood people, now get to work!
This guest is so frustrating, but I honestly feel like she’s not all there mentally. The way she answers is like she’s trying to make everything click, but she just doesn’t understand
So how did she pass getting her CDL and medical assistant for one year so she can pass tests and study but when it comes to working and planning she has total disconnect
@@user-xx2qb4hw2z Because she's lazy. She's flat out lazy and she clearly says she doesn't want to work. But she is also slow, all her bells aint ringing upstairs. Both can be true at the same time.
I took one of the tech courses he promotes in this video and it was great! I’m doing more courses to on top of that to land a full time tech job and if it wasn’t for Caleb, I wouldn’t know about online courses/certificafions. It may not be her passion but I think she should have taken him up on the offer to try to start a career and make stable money
When she said “I’m surprised I’m still alive” my heart broke, this lady seems so sweet, it just seems like she was never taught these things growing up.
This is one of the best examples of how social media can deceive a person. Some of the buzz words we heard during this audit were "passive income," "FIRE," "car life," and "house hacking." It's rough to see people get excited about starting something that's so far out of their reach. They are ignorant to their starting position but have a desire to get to the finish line - they don't know how much work it is to go from A to B. While this guest was all over the place with motivations, life goals, and her own standards for working it's a valuable audit to show how much influence a youtube short can have on a person.
Agreed. It all sounded like she went down the tiktok rabbithole of all those people promising "5 ways to retire young" "3 simple ways to make a passive income" "This is how I made 100k in 6 months" and the like and just took their "results" without trying to learn what the starting points or circumstances are for any of those situations, if they were even real, and what actionable steps she needs to do to even start planning for the future. She wants to "house hack" she wants someone to do her budget for her, she wants to travel without having to work. All I got from this is she wants to be handed money without doing anything for it. Heck, even to be an influencer although a lot of is luck with the algorithms, you still have to put effort and work to keep an audience and grow it. It doesn't fall outta thin air.
This guest does not annoy me, she’s actually pretty calm and way more polite than most of the recent guests. I hope she’ll care about her life a bit more and get better.
I hate being a nurse getting verbally/abused, bodily fluids, standing 12+ hrs and no lunch or pee break sometimes but it pays the bills. I love traveling and laying on the couch but you have to do what you have to do.
@@afran207851they don't have an only fans, the girlfriend discovered that her boyfriend was subscribed to like a shit ton of only fans during the show and said it was her fault cuz she's old
Her parents have failed her miserably. She literally has zero idea of anything going on in her life or in the real world. I feel bad for her, she answers every question with a question and has no grasp on what it takes to make a "high income".
Exactly, they failed her and didn't parent or she ignores their advice. For example, I'm one of three kiddos, parents weren't the best and did the bare minimum. Their general advice was work and save and figure it out on you're own. 2/3 of us are doing a lot better than our parents were at our age. The other 1/3 is struggling, she refuses to be accountable and blames our parents. I understand what she means but at one point you have to work and learn as much as you can along the way to do better for yourself.
Her parents didn't fail her. She failed herself. It's called BEING. AN. ADULT. Past 18 years of age, we don't have do anything our parents say. We're grown adults with complete autonomy over our lives. As a result, it's OUR responsibility to give a damn about our own lives and well being. WE ARE RESPONSIBLE FOR OURSELVES. Our parents can talk till they're blue in the face, and they still can't do ANYTHING about our negligence. At the end of the day, my opinion is you should own your shit.
I came from a family that taught me ZERO about finances. My family was toxic and physically abusive. I got a job at 16, moved out at 17, been living completely independently and solo for 23 years. I'm going to be a net worth millionaire in the next decade. I've had zero college education, and earned about $50k-60k a year my entire career. I've watched TH-cam EVERY SINGLE NIGHT after work and in my time off. I've read countless financial books. I've studied and poured over all the money master's and gurus. I taught myself literally everything I know about money. I have an 800 credit score.
Just found this today. I believe she's on the spectrum. That being said, she can learn. She expects Caleb to do all the work and she'll try to follow it. She's depressed, lonely and very overwhelmed. I hope she can get someone who will really help and guide her.
She answers like she’s talking about a totally different subject😡 Really annoying. “What were you doing before?” “Truck driving” “you said you quit” “What?” 🤦🏻♂️ What do you think he’s talking about?? My God….
the evaluation of her comment "sometimes I just don't want to work" is a tough one. cause face value it sounds lazy and entitled, but in the context of her other comments and tone, it sounds more like "I want to want to work, but everything feels too hard sometimes". Like nothing is bringing her joy except for food and stagnation, and if you have no joy in life it's a lot harder to subject yourself to a job that's not joyful.
I think you said this perfectly. I want to be on her side, she doesn't seem like a bad person, but she does come across as defeated by the world which is why she's not making good choices. She hoped buying a nice car and a phone and a laptop etc would give her happiness but she highlights these things won't help you there.
Agreed it's insanely demoralizing to be working as much as she does yet not have any ownership of anything... Which is WHY she needs to manage things better so that her work can actually go to building something meaningful.
The whole retirement conversation was baffling. Throughout the audit she has continuously said that she hates working, working sucks and that she doesn't want to work... but she wants to retire in her 40s? Where does she think money even comes from...
@@glitterstarbeau Good for you. Most kids I've dealt with don't understand the reality and say shit like, "I'm going to be a millionaire by the time I'm 21." Also, knowing people have to work doesn't equal not being delusional/imaginative enough to think one can easily become a millionaire.
The level of immaturity in this person is astounding. At 27 years old it shows how growing up was for her. The goals and scattered brain is rough to listen to. Wishing her the best
Right? And at the end being like, 3 years is so looong. Like, bitch you did this to yourself over the course of like 9 years so far. It didn't happen overnight
Even if you do own a property, you're lucky if it pays your mortgage and MAYBEEEEE an hundred or two of extra cash.. that certainly would go back into the property for repairs and maintenance. She's thinking it will just provide a lifestyle for her.
It’s terrifying hearing people use words like passive income and fire with not even knowing how to operate a calculator. People are becoming walking internet memes because they are easily sold on a fantasy lifestyle but have zero ambition to follow through.
Yeah. She not only has no idea of what she’d actually need to retire, she doesn’t even know how to calculate it. She probably needs at least $2m to retire. And since she needs a home, too, probably $2.5m. Adjusting for inflation, she’d probably have to invest at least $110k a year for 15 years. Something she simply isn’t going to do
she seems depressed :( even though most of her ideas and life plans are delusional my heart actually goes out to her because you can tell how low she feels
Yes this. She should visit a doctor. She even speaks and moves slowly. And brain-fog kind of thinking, like she can’t figure things out very quickly. Definitely could be depression or a thyroid issue or … ?
That is likely her only source of happiness. She seems to be depressed. She mentioned just ending it. Shes clearly using food addictively because there doesn't seem to be much for her to live for.
When you’re homeless it’s easy to overspend on food since you don’t have stable refrigeration, cooking supplies, and even a way to cook. (It all depends on season and where you live. Luckily this is TX so parks in the winter that have a grill can be usable, but mental health is a major factor for this.)
I was prepared to be mean but i feel for her because I am her. She is giving up because she is doing everything on her own and she feels lonely. She sees the end goal but not the journey to get there. It's a long process and not an easy one.
She has been the most pleasant of the past at least 5 guests. A little delusional maybe but she didn’t get on Caleb’s case over the difference between Spanish and Portuguese 😅
fast food ruining her body, social media ruining her mind - it’s unfair really because some people truly struggle to detach what they see on their feed from real life. we should show people like her some grace because we most likely have someone in our lives that move like this. rooting for you girl! put that damn phone down
If y'all aren't Jamaican or Caribbean, just know Oxtails are the most expensive thing at Caribbean restaurants. Oxtails are like that end of the week treat you get, but they only give you a little or mostly bone and you're okay with it because it's oxtail. She has no money, but bought oxtail.
Find the right Jamaican restaurant - make friends with them, they not going to give you all their profit but they'll hook up your plate! Now I have to get to my spot next week!!! 🤤🥱
This woman gives me the same vibes as the one girl who got fired because she would clock in to work an then go park her car, used company equipment for personal messaging, etc. Just totally detached from reality.
Exactly. People keep saying she's depressed (and she probably is) but she's intellectually slow, aka cognitively challenged. In other words, she can't think in any complex manner.
So let me get this straight - do you want a career? No! Do you want to work hard? No….Do you have any ambition? No….except I want to FIRE and buy real estate. Oh lord
To be fair: I make over $145k/yr & I don’t want to work hard either! I wanna sit on my ass & get money from real estate investing too…but these bills ain’t paying themselves in the meantime! 😅
For the anger issues and the irritability, what we eat influences our mood so much. Having nutritional deficiencies can directly impact your mental health.
@@frankvonfrauneryou can be malnourished and still be overeating. If she ate nutritionally rich food, she would feel a lot better regardless of amount of food.
@@frankvonfrauner they said nutrition-filled food. being overweight doesn't mean you have your nutritions accounted for, just means you have extra protein carbs and sugars probably
@@frankvonfrauner have you heard of the concept of being overfed but undernourished? I can garantee you that she has nutritional déficiences in zinc, magnesium, potassium, iodine and vitamin Bs at the very least.
As an overweight person dealing with foot issues at 34, eating better and losing weight will help so much. I can't imagine how hard weight loss would be living in a car, it's already hard enough for me living in an apartment. You can do it, just stick with it!
@@homewreckerburritothe planet fitness is becoming the mecca for people living in their cars. All the showers you want for $10/mo 😂😂 That's how I did it!
This is at least the first episode in a while were I didn’t hate the person on the show, but I’m genuinely concerned if she has some kind of additional needs. I hope it works out for her.
I'm a mental health counselor. She would not be a difficult client at all. I would help her explore what kind of job might suit her best. She works 40hrs a week at the shuttle job? That's not lazy. So she doesn't manage money well. How do you teach someone how to manage money, do you call them stupid to their face? Cause that's practically what Caleb's doing. You have to meet people where they're at, not judge them and expect them to be different. She's tired, she's overweight, she's living in a car, she has a job she hates, so let's discourage her more, call her lazy, tell her she should do IT work. Insist on that. Caleb is truly unskilled with people.
@@Arete37I love you, thank you for helping people! It was patience and kindness like yours that allowed to me to feel safe and heal, grow my self worth, etc
@@Arete37Caleb explicitly states he has the conversations with others that he wished someone gave him when he was in debt. He uses shame as a technique to get people to change, and has said on many episodes if that doesn’t work for you then you shouldn’t go on the show. His statistics on success after the show clearly shows he’s skilled with people in helping them with their finances, people forget this is not a mental health counselling show
@@Arete37she definitely could use evaluation for depression. Caleb is usually very loud about the need for therapy. He does not try to use counseling skills he's not trained in but instead is that blunt friend who calls you on your BS.
Marie, im about halfway in and i just wanted to say i hope you start valuing your time, life, and body. A better life is possible but it isn't easy. Work hard and respect your future self enough to make good choices.
Owner operator here. Unfortunately, this poor girl has no idea what she’s talking about. We saved up $100,000 before we even became owner operators. And it took us about 15 years to save that money. You have to have thousands of dollars to back you up when you become an owner operator. You have to always be ready for maintenance, breakdowns, tires etc. The insurance alone on just one truck is over $1000 a month. And depending on how much diesel is each day, it can range from $370 all the way up to $500 per day. I have a dedicated load where I drive 523 miles per day. We make really good money but it’s a huge risk to have a truck on the road and it’s taken us a lot of hard work and dedication to get here. I’m not saying that this young lady can’t do that, but she needs to come to terms with reality. She needs to learn to work hard and I believe if she took a little weight off. She would get her self-confidence not to mention the energy that she needs to be able to work and I’m not saying this to put her down. It’s the reality of the situation. That is what is holding her back on pretty much everything right now. I am a woman truck driver as well and it is not easy to get your license. I had to work hard, and I had to earn my license. I was very fortunate to have my husband who also trained me for a few months more after I got out of the Trucking School. Because like the other truck driver above stated a lot of drivers just get their license and then they’re thrown out on the road and they have no idea what they’re doing. It’s so incredibly dangerous. And I know most of them are driving automatic trucks, but there’s still a lot to learn that you don’t learn in Trucking School. I wish her the best, but she needs to come to terms with reality.
Thank you for sharing this. Former dispatcher here and I respect truck drivers so much. People don't realize how dangerous and how stressful that job can be for drivers. The situations that can come up are continuous. And yes trucks breaking down, insurance, diesel, parking those costs add up.
This girl couldn't even handle the logistics of navigating a Walmart to get a fingernail clipper and trim her own nails. Pretty sure it is safe to say she cannot handle becoming an owner/operator or managing rental properties for passive income.
@@FableCountry we get pay not just for the miles,but also cubic feet in the trailer+ alot other extra things like shuttles,pianos,stairs,long walks.you also get tips which is thousands a month on top of pay.
Someone needs to sit this girl down and talk to her about life. She is directionless just existing with no idea what she wants to do for work, what she needs to retire, if she wants a spouse/kids, and no goals for the future.... not to mention a poor attitude and zero drive to do anything with her life. She would rather make excuses and remain in her current situation than do what it takes to dig herself out. She needs way more help than just one hour of financial advice.
My heart goes out to this girl … we can all sit in our homes, laugh and criticize but this is a young woman who’s hurting. She’s angry, confused and isolated. Depression looks different for everyone.
I couldn’t agree with you more. My heart goes out to her. This could be any one of us. Mental illness definitely looks different for everyone and for those that have no compassion or empathy be VERY careful Making fun of her because you could be in her situation next month. I pray that she gets the help that she needs in every way because she deserves it. Sending healing to her and positive vibes.
As a female trucker, it hurts to say this, but I dont think her going back OTR is the right answer. Especially mentally, I think she'll be worse off. Trucking, especially OTR, isn't all fun and games. It's stressful, draining, demanding, and hard work. And she has a bad attitude. All of that is Trouble with a capital T, which could result in her potentially hurting herself and/ or others, or doing alot of damage. Attitude alone can get her banned from so many places and get her into a lot of trouble. I've seen it happen a lot, especially with women. I hope she gets the help she needs and that her situation gets better.
Truckers are the blood that runs our country. Wish we could make it better for yall. Better seating, better sleep overs, better money etc. thank you Truckers ❤ much respect! The truckers I know especially those who truck fuel have had smarts, attitude and responsibility. Unfortunately this lady lacks these qualities. I don’t think she would even be happy if she was a house wife. I think she would be the wife who watches daytime television and let the house go to rack and ruin and use every single excuse why she can’t do things. I hope she gets some depression treatment - being homeless isn’t helping her. But I hope she atleast finds a place to live and starts focusing on practical goals. Little goals. Cooking and working etc
Exactly. I’ve been trucking for a year now and it is a hard career. I feel like a lot of people (including me) come into it with these romantic ideas of what it will be like. I get to travel and see the country! What you’re actually going to see is dirty truck stops and traffic for miles and the side of the road waiting for road side to come fix a popped tandem tire. Majority of people aren’t made for it but it almost doubled my income and I don’t regret it at all!
I became homeless and had a wild year-long journey back to housing. I had $3,600 in savings and minimal credit card debt, plus a job paying $30/hr and it took everything and then some to get back to stability. Frist last and deposit alone was $7,000. Car troubles also thousand and thousands. This woman is so niave to what it's going to take to get back to stability.
Every time I see one of these videos I automatically open my bank account on the side and start calculating the shit expenses I have had this month and imagine Caleb shouting at me. 😅
open all my Credit card apps and pay down the balances, even though I do that every Friday anyway. LOL I get anxious and start double checking all my accounts.
Haha same for me, I made a financial spreadsheet document in google drive that I use, these episodes encourage me to update it consistently and to look at the bad numbers.
I'll be honest I do think this women has been sold a dream but she's been sold a dream while also being despressed. The way she talks about life, work and almost everything she doesn't seem to care or have much emotion.
This poor girl has been let down by several people and entities. If she wasn't in special education in school she was let down, period. This video is the largest argument for financial education for people with learning disabilities I have ever seen. It is obvious that this woman has some sort of special need that hasn't been addressed, and it breaks my heart.
I have worked with several people that had developmental handicaps & never got past 3rd-6th grade in school. Yet they were much sharper financially than most of Caleb's guests!!They lived within their means & watched their savings accounts like hawks!!
@@kaythegardenerabsolutely! I was just saying to my husband (talking about this guest) that we have personally known people with profound learning disabilities who had their ish together MUCH more than this woman does, and I lay at least part of the blame for her situation on the people around her who obviously did not do a great job of guiding her. She just grasps onto stuff she's heard on social media (the car living, FIRE method, etc) and just assumes it will work - critical thinking skills may not come to her naturally, but she could definitely be taught them and be able to use them.
Yes, I've know people like her who have got lost in the educational system and were never able to recover when they should have had special education classes so very sad.
You all have GOT to stop making excuses for people. Her mental decline comes from wanting the end result but not the work. See how fast she said she didn't want a tech job or a career? Want to know why? Because studying and work is involved. No teacher can make you do the work that's a CHOICE you make for yourself.
@@Username0467 true but these last 5 have been pretty out there. I mean barely functional adults not just poor spending habits. Also ignorant of how basic reality works.
Caleb's big thing from what I've heard him say is helping the people who need it most. which is why it's not just people in bad situations but homeless, jumping job to job, ect. @@rdavidsmith
I absolutely cant get over her hair. Shes so pretty , her hair is beautiful. If she cared a tiny bit more... BOOM 💥 beautiful.lol her voice is soothing though.. I wish her the best.
I had a panic moment when I heard that… my career is something I’m so proud of and work hard at and not having that motivation or passion for something I can’t imagine
I can sympathize with that statement a bit. In my Ind, a career implies a management position,which is slightly more money per hour for a ton more responsibility and BS. In retail, which is 90%of my work experience, that includes shielding lower ranked team mates from shouting Karens.
OTR truck driver here. The job is more mentally straining than most people would guess. I've always been an introvert, but after 2 months even I was starting to feel stressed. BUT it does get easier. Also if you're an over the road truck driver, you could live out of the back of your truck. So you don't have to pay rent, and all the money that would have gone to rent can go to paying down your debts and eventually saving up for a house.
I worked as a dispatcher for several years. I respect over the road truck drivers tremendously. People don't understand the shit they have to deal with when delivering a load etc. I do know drivers that live on their truck or would have weekends off and just rent a motel for a couple of days.
Uncontrolled high blood pressure, cholesterol or diabetes will invalidate the CDL. You can still keep CDL if you can get disease under control (i.e. do what Dr. says, take any prescribed meds & follow lifestyle advice, & have more frequent follow ups). Standard CDL requires physical every 2 years, may be more frequent with health conditons.
Good lord. When I was 27, I was traveling the world as part of the United States Army. I was in charge of the training and welfare of over 50 Soldiers. I had already been to a Theater of Operations multiple times. She has the emotional maturity of a 5 year old. She wants the sun to shine up her ass with no effort put into anything. She’s the product of parents telling her how special she is and never challenging her to be anything more than mediocre.
Dang though, she is really out of touch with reality and really does not understand a lot of living costs. Like frighteningly so. As a mental health professional, I seriously have doubts about her mental acuity.
As a former truckdriver who was homeless during my time as an otr driver, the best thing I did was put all of my stuff in a storage unit and I practically lived in the truck because it's a home on wheels. I'm sure she could still get back into a truck for long hauls as long as her cdl is till active, pay off her debts, save a butt load of money and then get out of the truck with something lined up for her to do for a living. Or start a career in. Then again, she's making stupid decisions based off what she feels like doing. Remove the emotions and follow the logic
I love you Caleb but I would love it if there were some guests that had nicer situations. I'd love seeing you deep dive into more details of how to make an OK situation good, or a good situation great. Also, the idea of seeing you actually happy on camera is something i NEED
While I like this idea, I don’t find it too realistic. Caleb prides himself on the “tough love” and that’s just not the same for a good or even an OK financial situation.
there are soo many scams being run on the internet that got people CONVINCED they can „just start a business“ or „just earn passive income“ and get rich quick, it’s so disheartening:( these things take advantage of the most financially vulnerable people😔
You cannot possibly blame other people for her lack of intelligence. She has no idea what she's taking in. It's all just talking points with no substance behind it. If she was putting money towards some program I would understand but she's not. She's just slow. God bless her but she needs somebody, whether that's family or a significant other, badly in her life to lean on.
@@Tr3v1sinterestingly, I just changed insurance from Wawanesa to Geico because it was literally $1000/yr cheaper than any other company. 33, clean record, 2018 Lexus IS in southern Cali. I got hit with a 40% increase from every other company. Shocked that Geico was so much cheaper with the same coverage. Sorry for the story you didn't ask for. 😅
Caleb goes in on these people because they need it - but to see how he actually cares about them and wants the best for them is really welcoming and heartwarming. You’re a good dude Caleb
Damn “what am I supposed to do with cash?” got to me I was feeling sad for her situation but there’s ain’t no way she didnt know cash can turn into money in her bank
It’s truly sad to see when citizens especially from the US can’t seem to put together their finances, little to no experience with the market, empty portfolios and lack skills to help them in the real world. I almost feel sorry for them.
Yeah there was this popular investment advisor that had a seminar talking about how to keep your business money and savings in check. He’s a CFA, I think sir Cook or so…
If someone doesn't want to work, owning a business is not a good path. My parents owned a business, and they worked crazy hours. If someone is sick in a small business, it's often the owner stepping in last minute. A café owner I know is working 7 days a week, and is still paying off debt for the café. It's not a get-rich-quick scheme.
@@WinterM-hr3xvyeah, she's confused why would Caleb consider CASH as INCOME. I don't even... Not knowing how much you make might be part of depression, not understanding why must be a marker of some kind of mental development issues
She is one of the few guests who actually don't iritate me. I think she has lived a hard life of being beaten down. Yes, she made choices that led to where she is financially, but I feel like she needs more than just financial help. She needs a life coach and a therapist to help her build confidence and to find purpose. I'm rooting for her.
I couldn’t agree more. She needs a medical doctor as well. She doesn’t seem to have family in her life or any kind of support system. Apparently no guidance. I feel bad for a lot of guests but this one has made me feel the saddest.
Click this link j.moomoo.com/00Bn5Z to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 5.1% on uninvested cash + an additional 3% APY Coupon for 3 months!! Terms & Conditions Apply.
I'm sad Caleb I was really looking forward to this. But in the video it says the offer expires yesterday. 02/29/2024 but the video was released on March 1st. Saddays
"Don't fart or anything" Clip it
Another great quote is "A man sits in the shade today because of the seeds planted 20 years ago"- Warren Buffet
Dude I tried moomoo because I wanted to get that 8.1% for 3 months and it's actually legit. Thinking about moving my entire brokerage over to it!
Something she is leaving unsaid but I think its first in her mind is she wants to find a guy so she can stay home and not work. Truth? If she lost some weight she is actually quite pretty, has nice hands and a pleasant voice. If she lost some weight, and I dont even mean skinny, I mean just lose 40lbs she would be more shapely. Lots of guys would be fine with her being at home as long as she isnt lazy and keeps the excess weight off.
She could’ve literally stayed a truck driver and lived in her truck 🤦🏽♂️
I was startled when all that came out. Those long haul trucks have cabins built into them, mucheasiertolivein than an SUV. She could travel. She had to spend very little time with other employees. That was her dream job and she quit it because it was "unorganized".
Turnover in long haul trucking is 94%. To a near approximation, the type of person who quits that job is "literally everyone".
The industry is absolutely a shitshow right now. It's no one's dream job. Back before deregulation (in 1980) when it paid ? Maybe. Even in the mid-90s Teamsters at least had better healthcare than anyone does nowadays. But now? It's a mess, and people are dying on the roads at increasing rates.
@@chet6969Honestly, it's horrifying to imagine someone with her intelligence level riding a monster truck on the highway.
@@Needawholepailofwaterwhat’s crazy to me is that in my area of North Carolina cdls are needed like crazy that by itself earns you a job making 1500 a week literally driving a box truck around town for six hours a day I know people in this position it’s genuinely crazy to me.
@@Omnicron800damn 1500 a week driving 6 hours? Thats crazy good
One of my favorite sayings that I learned recently is "The rich stay rich by pretending to be poor, and the poor stay poor by pretending to be rich." Right now I'm not pretending, I'm just poor.
😂😂😂
Yap
Being boring and figuring out how to cheaply enjoy time at home is the quickest way to save money.
At the age of 64, with a current net worth of 3 million, my sagest advice is..... "always, always, no matter what, live below your means".
This channel proves that quote.
“I hate working.” Most people do. We do it to survive.
Literally almost word for word what I told my ex.
"No one likes working. Even people who love their job dread work sometimes. If everyone had their "Druthers", no one would work and we'd all be millionaires. But that's not the real word. You don't GET anything. You EARN literally everything. No matter where you go, no matter what you do."
Right, lol. Who likes work?
Says you guys.
I love being a CNC machinist.
That's why I want to trade school for 2 years because I love it.
I actually wake up excited to go to work and stay late and go early on top of it most of my days.
I make good money and I've just started out.
I get as much overtime as I want.
I get good benefits.
It's not a job though it's a career and there's a big difference between a career and a job.
I would never work something my whole life and not enjoy it that is the path to a miserable life.
You don't like what you do why don't you go find something that you would enjoy do you know how many career paths there are out there?
The trades alone have so many awesome jobs almost anybody can find something cool within the trade alone even women can find something in the trade.
Go get a career.
Marry rich, I always say. Unfortunately, there's usually a weight limit at the time of introduction to a richer spouse.
@user-ql8ir1mb2b imagine being that much of a window licker lmao, stfu you're 12 talking about loving your job 😂
This woman’s listening comprehension is almost zero. The number of simple continuance questions that she just TOTALLY lost the thread of… I’m in awe.
There's something off with her.
@@sbonellithere’s been a few people on here who have been kinda… not quite all there, yeah. I really think there are people who can’t run their own lives. 🤷♀️
@@sbonelli I would like to know how she grew up. I have to imagine her parents basically abandoned her at home all day so she got absolutely zero life experience until being kicked out the door. Especially the whole nail cutting thing like who in their right might who wasn't just abandoned growing up wouldn't know how to cut nails.
I think she is depressed
This is just what 75 IQ looks like
This is worst case of financial guru brainwash I've ever seen. Dead broke and homeless while still trying to retire early, make passive income, have a side hustle, and start her own business :(
She could host *optimism*-courses 🤷🏻♀️😅
Just buzz words really
And do all that without actually working. Great plan!
And she’s actually making money!
Robert Kiyosaki has a lot to answer for.
We're finally seeing the problems caused by those financial bros and gurus online. She literally believes it's THAT easy to make it. Caleb even said it. She's been sold a dream.
Yeah but she is just saying thought bubbles, her statements are untethered to anything, just complete random words FIRE, travel, 30k, future, 1 million its all just complete nonsense.
@@MegaJohnnycageshe doesn’t really understand the concept of travel. Like being a long haul trucker and going to Cali and not being able to afford LA. She doesn’t realise she is traveling. It’s not the destination but the journey. She may not go to LA this time but she might in the future but she still traveling. Make the most of what you have. She would go to the Eiffel Tower and say ‘I wanna go to the Eiffel tower’ staring at her phone. And someone says ‘you’re at the Eiffel tower’ looks up uninterested and says ‘oh is that it?’ Stares at her phone.
@@MegaJohnnycageyou forgot cash envelope system
@@SingingMagickwhile not using cash
I just cant beileve she considers herself a truck driver. I've grown up in a trucking family, what my dad and uncles did for a living. What this shows is how badly the requirements have gone down. An owner operator use to know his rig inside and out and yet modern drivers barely do pre trip inspection. Let alone work with flat beds that take tarps and straps. Just rember she could be in a 12 plus ton truck coming on roads near you lmao.
This is like talking to a child about what they want to be when they grow up and they say a princess, an astronaut, and a famous singer.
100%
But without wanting to learn how to govern or socialize like a princess, study & exercise like an astronaut, or work with a coach & practice live on stage & work with choreographers to be a famous singer. She's self defeating and doesn't WANT to do anything. She just wants things to magically happen because she's given up. She SERIOUSLY needs therapy - her obesity and diet is literally destroying her and ruining her energy.
Exactly my thought as well. It's honestly more sad than anything.
This poor woman thinks being a millionaire self-employed trucking owner-operator is just around the corner so she can retire in her mid-40s and travel.
I couldn't think of a more perfect case study on how badly the American education system is failing people in terms of personal finance education.
She's has a learning and mental disability you can see this in her thinking, and she seems to be suffering from depression.
I mean I honestly think a part of the issue here is just her intelligence, to be totally honest. Like she doesn't understand things that are common sense to most people, she doesn't have coherent responses to things, and she can't understand how her actions impact even her immediate future. I mean honestly I think she has a low IQ, like bottom 5%, bottom 10%, somewhere in that range.
Edit: I mean just watch 25:00 - 25:15 , that isn't how somebody with average intelligence acts.
She sounds like my sister… who is developmentally delayed just with a dash of severe depression.
This is exactly what I thought she needs proper resources and mental help
Not severe.... aww
🙏🏾🤎
People should have some empathy. Not surprised they don't... we don't know other's story.
These comments sicken me. I hope she succeeds in her life.
developmentally delayed
😂😂😂😂
A work from home job?? GIRL YOU ARE HOMELESSS😭
Hi 👋
😂
Wow, I forgot she said that lol. I thought caleb was going to go insane haha
Work from car job using walmarts wifi in the parking lot
she meant work from the car haha. got her little laptop and shes good
She was unemployed and either homeless or on the verge of being homeless and bought a car for $27k. That's something I can't even comprehend.
It's very clear she doesn't think AT ALL about the future or the consequences of her choices.
Yeah it’s a bummer that it’s legal, it’s an American freedom to flock ur life up.
Only thing that makes it better is that she was planning on living in her car, bad part is that she decided after a week car life wasn’t for her 😂
@@buckwalkerThat’s the whole point of freedom🎉🎉
She was sold on van life. People on social media tell you who they quit there apartment and travel around in a van. They sell you the "dream".
Absolutely love when his shirt rides up and Finance perfectly disappears and it's just a big drawing of his face and the word DADDY.
😂😂😂
😂
😂😂😂😂😂
Papa Dave puts on a hat... Daddy Hammer takes off his shirt. 😂
Thanks for messing it up for me. I thought it just said “daddy” and I figured he was trolling.
“i’m surprised i’m still alive” only prayers for this girl, i hope she finds her peace
Far too lazy and unmotivated to do ANYTHING Caleb suggested.
Borderline Personality Disorder, adverse childhood experiences, and depression can make you not want to participate in society.
I'm glad you can see the pain she's in too.
lol wasted prayers on a lazy fuck
She’s the perfect example of how social media has convinced everyone they can be a landlord and it’ll just be super easy money with no work and no effort. It’s not easy. It’s a lot of work and it requires a lot of money up front.
It can be easy depending on the property and if you luck out on tenants
And if you bought property anytime between 2009-2020, you've made out like a bandit
Exactly
It was still a pain in the ass then, I think people just gotta understand if your a landlord there is a chance you get people that destroy your property. That said they made decent money around that time but it was a pain in the ass with some people. @@jakeleisure8326
@@jakeleisure8326 we bought a property in 2019 and 2020. The expenses up keeping the house eat up most of the profit. The mortgages are getting paid down but it's a ton of work and we don't make a profit. We have good tenants too! People underestimate the amount of work and $$ it takes. I know I did when I first started. My expectations are way lower now.
Is someone from america maybe able to explain to me how being a landlord is a lot of work? where i'm from you pay a real estate agency a couple grand to advertise your property and they handle everything, after a tenant is put in they take $10 a week and that's it.
I make $70,000 a year and there is not a chance in hell I'd be able to retire in 10 years. My eyes almost popped out of my head when she said she wanted to retire before she turned 40.
I'm really glad Caleb did some math for her and showed she'd need to save/invest like 6K/month just to retire young if she wanted to do FIRE. I think the movement is a great idea, BUT it takes a lot of discipline, work, and money in order to retire comfortably in your 40's. I thought she was kidding when she talked about it :(
Lazy. Delusional, dumb and lazy.
What irks me really hard is how she's talks about saving $6K/month like it's easy when she can't even hols down a job and quits when it gets too hard as if no one else thinks work is hard or hates their job.
I honestly think she convinced herself of that to help her cope. Notice when caleb tried to give her a reality check her immediate response is "guess I'll die." Reality is too much for her so, she believes the delusion on the internet in order to cope / cling to hope.
@@leezak7540 Good point. I had a similar mentality when I was depressed. It's hard to get out of that mindset without getting some sort of treatment or outside support. I hope she's able to get help.
She has been sold all the dreams hahah. Rental property, house hacking, FIRE, living in a van, cash envelope system, and retiring at 45.
Cash envelopes will probably save her at this point
@@HospitalLocksmithidk she doesn’t count cash as income … so she might not pay bills if everything is in cash.
@@TaratheEnchantress Oh dear.
She can’t even clip her own toe nails. This is the most useless person I’ve seen on this show yet.
What is FIRE?
“So I can’t get a business?” You don’t just GET a business, you BUILD and EARN and MAINTAIN a business…
Truck driver here! I feel for here. It does suck at first. You get barely any training, management doesn't care, and any complaint could get you fired! But, a few years later, I'm making incredibly good money, $140k a year as a company driver, and I enjoy my time off with my family. I'm able to save for retirement, invest in my side businesses, and have a real future ahead of me! It's not for everyone!
What do you do in trucking?
Certainly isn’t. I’m a truck driver as well and it takes a toll mentally
Love that
I haul chassis trucks like f750s before they become everything else like RVs, dump trucks, and sometimes bigger vans like the transit 250! It's a great field! Specialized hauling pays well.@@jaydubya9265
What company do you work for if you don’t mind me asking?
Her "my stomach hurts."
Caleb "well don't fart."
💀💀💀💀
That made me lol
She couldn’t hold it back. She let her rip.
Me hysterically laughing to myself at work 😂😂😂😂
I hope he offered her a snack or something between that cut. 😂 my stomach hurts when I’m hungry too
"we don't need that in here" 😂
She should consider just renting a room. She doesn't strike me as being able to live solo and manage household bills.
Agreed
Great idea! I had rented a room for years and stacked my bread and kept my expenses low.
I'm also so confused on how she's 27 years old with this mentality. She's going to be 65 with no retirement, no savings, working as a city bus driver. Jesus Christ. That's scary.
Or the maintenance and upkeep. It's a lot of work every season depending on where you live
if i didnt have a pet, i'd be doing this lol i work from home and am super quiet but no one rents out a room with someone with a pet around here for some reason lol i am hoping to one day come across someone renting out their spare house. i had a friend who lived in someones suped up shed that had ac and electricity and all he did was have his bed and gaming computer there and was paying like $300/mo
Having had personal experience with a family member with this, she almost appears to me to be developmentally disabled. Until this is addressed, nothing else is going to help her,
Exactly
Yeah, I had the same suspicion as the video progressed, and she seemed to keep making statements that are not actually connected to reality. Broke, jobless, living in a car and suggests she gets passive income by owning a rental property. All the other stuff she said along the way as she revealed how she used to make more money as a truck driver, and seemed to acknowledge her current situation has been affected now that she's not working that job. Then in the next breath said how she didn't want to be a truck driver because it was boring. Then revealed that she quit that job as a truck driver.
This poor woman needs someone to help her and make sure she's not making poor/irresponsible decisions that's going to entrench her into prolonged homelessness.
I also have a family member who makes a lot of bad decisions and refuses to help themselves who has a developmental disability (which she denies, says she's grown out of it 😑) but I don't get that impression from this girl. She just seems delusional. I've met many like her. They don't want to work, and they think an easy life will fall out of the sky for them
So tired of people blaming mental. That’s not what this is. It’s just lazy and wanting without have to work for it
You know what it is (hint: 300 years of certain genetics passed down)
The argument over having to pay $40 to get her nails cut because they were long when you can get nail clippers for a couple of bucks is SENDING ME
I wonder if she is having trouble bending enough to reach her toes, that is the only explanation I can think of
That was insane.
@@AlejandraMeraz Yes that's why some people get pedicures instead of just doing it themselves
Ma'am, where are you being sent?
@@AlejandraMerazexactly the reason.
One day Caleb will speak to a normal person, but it is not this day...
I'd love to see him talk with people who have it mostly together and their approach to finances.
He is in Austin. Normal people? 😮
I would actually like that. He should throw in some people who have relatively normal finances and then optimize their finances.
@@bradk8590 He had a few videos where the guests' finances aren't all that bad
I don't think normal people get into stupid debt. People act this way because they don't know better.
Getting a job as a bus driver for the city might be a good idea. Health insurance. Decent wage. Regular hours. Stability. I am heartbroken that she is working this much and does not have a home.
Also some cities pay them while they train. They're desperate for drivers and want to make them stay for the long run.
Excellent idea. Just don't do school bus driving way too stressful.
2 things
1 don't feel to bad she's doing it to herself
2 I'm almost 100% sure she would say she hates kids so she can't do that job. Because she said that in the video
@logan982011 the comment said a bus for the city. Like a public transportation bus in the cities not a school bus. But still kids ride the bus in the cities so you might still have a point.
@@logan982011there is more chance for adults to be in the bus than for predominantly children. a bus driver for the city differs from a school bus driver, so I don’t think the commenter is referring to school buses
To me, she’s severely depressed, not delusional. She sounds she’s completely given up on life mentally and physically. She’s exhausted. I truly feel for her 😢 I think she needs more than just financial help.
This!!
Buying a relatively new car while severely depressed in the way you're describing would be an interesting choice. Since we don't know her and can't diagnose her from a video, I can't be sure either way. I just know it's sad.
@@pretzelmaker3122 It's pretty common for people with depression to engage in impulsive spending. It gives them that dopamine hit that their brain can't create on its own. Same thing with the fast food. Easy dopamine combined with lack of energy/motivation to cook and it's just too easy to make those bad calls again and again and again.
She's lazy first...second maybe depressed
I just realized that there are a lot of people who think that speaking to a financial advisor is going to fix their situation without them changing anything in their life.
This!! This is the whole
show, basically.
The reality is very few advisors would actually work with someone like her. A coach maybe. But it takes a tremendous amount of time to put together a financial plan. Frankly, she isn't even at that level for one, nor would anyone look at her as a prospective client. But if someone with this kind of attitude was working with an advisor, there's a high likelihood of them getting dropped. An advisor is a fiduciary and it can put them in murky waters if the client is consistently not following advice. It's a sad situation
Yeah quite sad isn't it? They think by going to a Financial Advisor that someone is going to review everything, tell them things aren't that bad, hold their hand, take on all their adult financial responsibility, and fix or solve all their financial problems, and do everything for them. These people think they can act and behave immaturely for along period and then go to someone better and smarter then them, so someone else can miraculously fix everything for them and then everything will be fixed and reset like starting a video game all over from the beginning. They want to avoid growing up and solving their own problems because its scary, difficult, and hard. Welcome to adulthood people, now get to work!
They all want a plan! So many are upside down and you can’t create a plan. Most will probably not follow it. 😢
That sounds like the majority of people who think who they vote for will change their financial situation
This guest is so frustrating, but I honestly feel like she’s not all there mentally. The way she answers is like she’s trying to make everything click, but she just doesn’t understand
This is exactly what I think. I don't think she's all there upstairs. She seems a bit slow to me.
Look up race an iq and it all makes sense
@@nooyouuu6337bruh wtf
So how did she pass getting her CDL and medical assistant for one year so she can pass tests and study but when it comes to working and planning she has total disconnect
@@user-xx2qb4hw2z Because she's lazy. She's flat out lazy and she clearly says she doesn't want to work. But she is also slow, all her bells aint ringing upstairs. Both can be true at the same time.
First time I’ve heard someone flat out decline the tech course…girl…he is trying 😭
I took one of the tech courses he promotes in this video and it was great! I’m doing more courses to on top of that to land a full time tech job and if it wasn’t for Caleb, I wouldn’t know about online courses/certificafions. It may not be her passion but I think she should have taken him up on the offer to try to start a career and make stable money
After she mentioned a work from home job….
A job she probably doesn't have to be on her feet!
She wouldnt be able to make use of it anyways. Im halfway though and she doesnt seem to have the drive to have a career in anything
@@nczioox1116 she doesnt want to do anything. She is gonna be 40, still talking about in the future. 😭
When she said “I’m surprised I’m still alive” my heart broke, this lady seems so sweet, it just seems like she was never taught these things growing up.
Not willing to learn, so I have no sympathy
I totally agree
I ama also suprised she's still alive.
This is just sad and depressing. It’s clear she needs more than just financial help.
This seems to be the cast for 99% of his guests.
@@Torpidity Yeh, its the carnival show for financial youtubers. Train wrecks, all of em. Hard to watch, but wont want to miss it.
@@jecht86 its the gen z, miilenial dave ramsey channel..
Taxpayers. Me and you. Democrat America.
@@ck8579what
This is one of the best examples of how social media can deceive a person. Some of the buzz words we heard during this audit were "passive income," "FIRE," "car life," and "house hacking." It's rough to see people get excited about starting something that's so far out of their reach. They are ignorant to their starting position but have a desire to get to the finish line - they don't know how much work it is to go from A to B. While this guest was all over the place with motivations, life goals, and her own standards for working it's a valuable audit to show how much influence a youtube short can have on a person.
Very true
All that stuff is achievable but definitely not as quick as these gurus make out. People want everything immediately.
Agreed. It all sounded like she went down the tiktok rabbithole of all those people promising "5 ways to retire young" "3 simple ways to make a passive income" "This is how I made 100k in 6 months" and the like and just took their "results" without trying to learn what the starting points or circumstances are for any of those situations, if they were even real, and what actionable steps she needs to do to even start planning for the future.
She wants to "house hack" she wants someone to do her budget for her, she wants to travel without having to work.
All I got from this is she wants to be handed money without doing anything for it. Heck, even to be an influencer although a lot of is luck with the algorithms, you still have to put effort and work to keep an audience and grow it. It doesn't fall outta thin air.
I think if you have the right buzz words, it can work - get a job, pay your bills, don't live beyond your means.
Ignorant should be her new buzzword
This guest does not annoy me, she’s actually pretty calm and way more polite than most of the recent guests. I hope she’ll care about her life a bit more and get better.
I felt same i just saw someone trying to figure it all out
Nahhhhhh she’s lazyyyyyyyyy ah
@@twentysix1230yep. Barely has the energy to pronounce words correctly.
That’s almost worse, though. Calmly delusional.
These clickbait titles are getting old
@34:18 I’m dying! 😅
Caleb: nothing I think you may have been sold a dream on TikTok, and you may not fully understand…
Marie: No, TH-cam!
😂😆🤣
At least she's honest with him and herself
Nice content btw! ❤
I’m a big fan! I’m learning Spanish and Your videos have been helping my comprehension.
I hate being a nurse getting verbally/abused, bodily fluids, standing 12+ hrs and no lunch or pee break sometimes but it pays the bills. I love traveling and laying on the couch but you have to do what you have to do.
Yep. This is my life. You have to take care of yourself and push through.
Yep
Getting no break is illegal.
@@deirdrekiely6187 Hospitals take advantage of the fact that most nurses are too kind to let people die on their watch. Thus no breaks.
Nurses in my country make $75K a year, but then again it's also a masters degree here.
she is actually pretty sweet consider the guest Caleb had in last few weeks, singer single mom, OF couple, car living lady, crypto dr...etc
which episode is the OF couple?
@@afran207851episode is “moron blames girlfriend for their failures” dude was paying for OF while in a relationship
@@afran207851they don't have an only fans, the girlfriend discovered that her boyfriend was subscribed to like a shit ton of only fans during the show and said it was her fault cuz she's old
@@afran207851
th-cam.com/video/XRDh4p73sj0/w-d-xo.htmlsi=3SmjTAz8yQKuVqAA
@@afran207851Third latest episode but they aren't an OF couple, the guy was just spending on OF without her knowing
Her parents have failed her miserably. She literally has zero idea of anything going on in her life or in the real world. I feel bad for her, she answers every question with a question and has no grasp on what it takes to make a "high income".
Exactly, they failed her and didn't parent or she ignores their advice. For example, I'm one of three kiddos, parents weren't the best and did the bare minimum. Their general advice was work and save and figure it out on you're own. 2/3 of us are doing a lot better than our parents were at our age. The other 1/3 is struggling, she refuses to be accountable and blames our parents. I understand what she means but at one point you have to work and learn as much as you can along the way to do better for yourself.
Her parents didn't fail her.
She failed herself.
It's called BEING. AN. ADULT.
Past 18 years of age, we don't have do anything our parents say. We're grown adults with complete autonomy over our lives. As a result, it's OUR responsibility to give a damn about our own lives and well being. WE ARE RESPONSIBLE FOR OURSELVES. Our parents can talk till they're blue in the face, and they still can't do ANYTHING about our negligence.
At the end of the day, my opinion is you should own your shit.
I came from a family that taught me ZERO about finances. My family was toxic and physically abusive. I got a job at 16, moved out at 17, been living completely independently and solo for 23 years. I'm going to be a net worth millionaire in the next decade. I've had zero college education, and earned about $50k-60k a year my entire career. I've watched TH-cam EVERY SINGLE NIGHT after work and in my time off. I've read countless financial books. I've studied and poured over all the money master's and gurus. I taught myself literally everything I know about money. I have an 800 credit score.
This is what happens when you just kick out your kids at 18 with no life skills. They don't fly, they freefall😢
Actually, she already MADE a high income. A very high income for somebody with minimal education.
Then she just quit.
Just found this today. I believe she's on the spectrum. That being said, she can learn. She expects Caleb to do all the work and she'll try to follow it. She's depressed, lonely and very overwhelmed. I hope she can get someone who will really help and guide her.
She’s not on the spectrum she’s just lazy
Why does she answer every question like she has no idea what’s going on with her own life.
Hear me out, she has no idea what's going on with her own life.
@@churchofmarcus 🤯
Because she in fact has NO fucking clue what is going on in her life. The girl didnt even know you could CUT YOUR OWN NAILS
I feel like almost every video I watch these people are ALL like this. They have no clue
She answers like she’s talking about a totally different subject😡 Really annoying.
“What were you doing before?”
“Truck driving”
“you said you quit”
“What?”
🤦🏻♂️ What do you think he’s talking about?? My God….
the evaluation of her comment "sometimes I just don't want to work" is a tough one. cause face value it sounds lazy and entitled, but in the context of her other comments and tone, it sounds more like "I want to want to work, but everything feels too hard sometimes". Like nothing is bringing her joy except for food and stagnation, and if you have no joy in life it's a lot harder to subject yourself to a job that's not joyful.
You worded that perfectly. This video was very sad to watch. She sounds so defeated. 😔
So very true. I love hard work, but working for someone who is unorganized and provides poor training is absolute hell.
I honestly felt that, I hate where I work now, I can see why she feels that way
I think you said this perfectly. I want to be on her side, she doesn't seem like a bad person, but she does come across as defeated by the world which is why she's not making good choices. She hoped buying a nice car and a phone and a laptop etc would give her happiness but she highlights these things won't help you there.
Agreed it's insanely demoralizing to be working as much as she does yet not have any ownership of anything... Which is WHY she needs to manage things better so that her work can actually go to building something meaningful.
The whole retirement conversation was baffling. Throughout the audit she has continuously said that she hates working, working sucks and that she doesn't want to work... but she wants to retire in her 40s? Where does she think money even comes from...
thoughts and prayers. Manifesting!
All that passive income! Duh! 😂
Omg seriously, it sounded like talking to a 9-yr-old when you ask them what they have planned when they're an adult.
@@Karlalovescandy18my five-year old knows she has to work
@@glitterstarbeau Good for you. Most kids I've dealt with don't understand the reality and say shit like, "I'm going to be a millionaire by the time I'm 21." Also, knowing people have to work doesn't equal not being delusional/imaginative enough to think one can easily become a millionaire.
The level of immaturity in this person is astounding. At 27 years old it shows how growing up was for her. The goals and scattered brain is rough to listen to. Wishing her the best
Right? And at the end being like, 3 years is so looong. Like, bitch you did this to yourself over the course of like 9 years so far. It didn't happen overnight
Yo!!! “thinking about getting a rental property “ while living in a car is crazy.
Even if you do own a property, you're lucky if it pays your mortgage and MAYBEEEEE an hundred or two of extra cash.. that certainly would go back into the property for repairs and maintenance. She's thinking it will just provide a lifestyle for her.
Maybe she's talking about getting another car and renting that out 😂
@@dirtyrottencromag🤣
"In the future, duhh"
Tik Tok has melted her brain
“I don’t want to work. I just don’t like to work.” -- everytime! No one likes to work!!!! Being an adult sucks!!! Be one anyway!!!
I don't like working.
But I don't like be a broke homeless bum more.
@@amp2193i swear 😂
I dont like to work either. I didn't know that was an option.. I lied. I actually love my job. I'm just exhausted all the time. 😅
Work is about finding a job that you can both tolerate and live off of. Some people are allergic to that.
I enjoy working, i do wish i had more leisure time but i enjoy my secular work life
Proof that TikTok, TH-cam and other social media's are killing peoples financial understandings.
Social media is a helluva drug!
This is just painful to watch!! 😮😮
Wdym, youtube can be great for financial literacy
This whole channel has made lots more people more self aware
its simple math tho….. additions and substractions
Hey but just get passive income and you'll be good, am I right?
She sounds depressed. Irritable and not wanting to do anything. I can’t believe she chose to live in her car. I didn’t know that was a thing.
Alot of ppl making money off it on social media they really glamorous homelessness.
@@Kia-mi6im alot of ppl lying about it and making money on it** and others assuming everything they see iin a video is all there is.
It’s terrifying hearing people use words like passive income and fire with not even knowing how to operate a calculator. People are becoming walking internet memes because they are easily sold on a fantasy lifestyle but have zero ambition to follow through.
It was just buzzwords. 'A little bit of knowledge, is a dangerous thing'.
Yeah. She not only has no idea of what she’d actually need to retire, she doesn’t even know how to calculate it.
She probably needs at least $2m to retire. And since she needs a home, too, probably $2.5m. Adjusting for inflation, she’d probably have to invest at least $110k a year for 15 years. Something she simply isn’t going to do
Taling about FIRE and passive income but quits every job and doesn't want to work and hates working ash she put it.
@@Canadishsadly doesn’t even have a little bit of knowledge
Don’t forget “cash envelope system”
she seems depressed :( even though most of her ideas and life plans
are delusional my heart actually goes out to her because you can tell how low she feels
Yes this. She should visit a doctor. She even speaks and moves slowly. And brain-fog kind of thinking, like she can’t figure things out very quickly. Definitely could be depression or a thyroid issue or … ?
I got this too while halfway watching and catching up on work.
Yeahhhh
@@amyomeara2515Depression and maybe a low IQ issue too, sadly.
Would help if she got medical insurance first
I counted up two days of her charges for food. She dropped about $40 a day on fast food, that’s 1200 a month!
That is likely her only source of happiness. She seems to be depressed. She mentioned just ending it. Shes clearly using food addictively because there doesn't seem to be much for her to live for.
When you’re homeless it’s easy to overspend on food since you don’t have stable refrigeration, cooking supplies, and even a way to cook. (It all depends on season and where you live. Luckily this is TX so parks in the winter that have a grill can be usable, but mental health is a major factor for this.)
I was prepared to be mean but i feel for her because I am her. She is giving up because she is doing everything on her own and she feels lonely. She sees the end goal but not the journey to get there. It's a long process and not an easy one.
She has been the most pleasant of the past at least 5 guests. A little delusional maybe but she didn’t get on Caleb’s case over the difference between Spanish and Portuguese 😅
Wait, which one was this? I think I missed it 💀
@@PepsiInc341oh man you are MISSING OUTTT its the one right before this about the “wannabe popstar”
@@kshot1999 on my way now, thank you 🫡😂
@@kshot1999Probably the funniest one so far lol
@@kshot1999She is INSUFFERABLE
“Every American is like that” GIRL not this American don’t put that evil on me Ricky Bobby😂
Oh my god I say that all the time in real life😂
there is a very big difference between the average American and every American
We feared zombies but if financial irresponsibility were contagious I'd be living in an underground shelter
Something about your name being "texas girl" and defending Ricky Bobby made me laugh harder than i should have😂
I heard Michael Clarke Duncan 's voice.
fast food ruining her body, social media ruining her mind - it’s unfair really because some people truly struggle to detach what they see on their feed from real life. we should show people like her some grace because we most likely have someone in our lives that move like this. rooting for you girl! put that damn phone down
The industrial revolution and its consequences
@@Torpidity People & groups of people still behaved in ways they do now pre-industrial revolution😂😂
@@alexrennison8070 explain the groups of people theory further....
@@thebaglady1443 It’s not a theory, but I feel like you’re just looking for an excuse to be horrified over nothing.
If y'all aren't Jamaican or Caribbean, just know Oxtails are the most expensive thing at Caribbean restaurants. Oxtails are like that end of the week treat you get, but they only give you a little or mostly bone and you're okay with it because it's oxtail. She has no money, but bought oxtail.
Find the right Jamaican restaurant - make friends with them, they not going to give you all their profit but they'll hook up your plate! Now I have to get to my spot next week!!! 🤤🥱
This woman gives me the same vibes as the one girl who got fired because she would clock in to work an then go park her car, used company equipment for personal messaging, etc. Just totally detached from reality.
Yesssss omg they would be besties lol
What episode is that?
@@Lilsodapop__its about 6 months back episode is called im done
She Blatt, an she feemail
Was thinking the same thing lol. It blows my mind people can be this delusional
Hate to say it, but this reminded me of conversations I've had with a cognitively disabled family member.
I don’t hate to say it. 😒. If we don’t people can’t get it together
Exactly. People keep saying she's depressed (and she probably is) but she's intellectually slow, aka cognitively challenged.
In other words, she can't think in any complex manner.
Same!!! Lives in a delusional world where things will just somehow appear, without putting any work to it.
Her face has the hallmarks of FAS
@@allthatsheizcalling her cognitively disabled is going to get her out of debt?
So let me get this straight - do you want a career? No! Do you want to work hard? No….Do you have any ambition? No….except I want to FIRE and buy real estate. Oh lord
She’s burnt out.
To be fair: I make over $145k/yr & I don’t want to work hard either! I wanna sit on my ass & get money from real estate investing too…but these bills ain’t paying themselves in the meantime! 😅
She wants the rewards but not the work that gets you there.
@@tvdavis I mean fair I keep telling my husband to make more money so I can stay at home haha
I think social media has ruined people
For the anger issues and the irritability, what we eat influences our mood so much. Having nutritional deficiencies can directly impact your mental health.
Yes, clearly her problems stem from her not eating enough.
@@frankvonfrauneryou can be malnourished and still be overeating. If she ate nutritionally rich food, she would feel a lot better regardless of amount of food.
@@frankvonfrauner they said nutrition-filled food. being overweight doesn't mean you have your nutritions accounted for, just means you have extra protein carbs and sugars probably
@@frankvonfrauner😂
@@frankvonfrauner have you heard of the concept of being overfed but undernourished? I can garantee you that she has nutritional déficiences in zinc, magnesium, potassium, iodine and vitamin Bs at the very least.
This is really sad. Delusion is an island, and she's living there rent-free.
She can’t even afford rent on that island
The island is shrinking. She's gonna have to live on a boat soon.
Everytime i open a shopping app, I imagine Caleb shouting "YOU DONT NEED IT" and close the app
I gave up online shopping for lent.
Thanks for being empathetic with this guest, she’s got some deep deep issues that go further than just financial issues 😢
As an overweight person dealing with foot issues at 34, eating better and losing weight will help so much. I can't imagine how hard weight loss would be living in a car, it's already hard enough for me living in an apartment.
You can do it, just stick with it!
Tuna packets, salads at the salad bar or prepared in house. Apples, pears, avocados , and bags of popcorn is what I buy for my weekday diet.
Whenever I get bored and have the urge to shop, I go to the gym. If she hits the gym daily, she's also got a place to shower and get ready.
@@homewreckerburritothe planet fitness is becoming the mecca for people living in their cars. All the showers you want for $10/mo 😂😂 That's how I did it!
This is at least the first episode in a while were I didn’t hate the person on the show, but I’m genuinely concerned if she has some kind of additional needs. I hope it works out for her.
I'm a mental health counselor. She would not be a difficult client at all. I would help her explore what kind of job might suit her best. She works 40hrs a week at the shuttle job? That's not lazy. So she doesn't manage money well. How do you teach someone how to manage money, do you call them stupid to their face? Cause that's practically what Caleb's doing. You have to meet people where they're at, not judge them and expect them to be different. She's tired, she's overweight, she's living in a car, she has a job she hates, so let's discourage her more, call her lazy, tell her she should do IT work. Insist on that. Caleb is truly unskilled with people.
@@Arete37I love you, thank you for helping people! It was patience and kindness like yours that allowed to me to feel safe and heal, grow my self worth, etc
@@Arete37Caleb explicitly states he has the conversations with others that he wished someone gave him when he was in debt. He uses shame as a technique to get people to change, and has said on many episodes if that doesn’t work for you then you shouldn’t go on the show. His statistics on success after the show clearly shows he’s skilled with people in helping them with their finances, people forget this is not a mental health counselling show
@@Arete37she definitely could use evaluation for depression. Caleb is usually very loud about the need for therapy. He does not try to use counseling skills he's not trained in but instead is that blunt friend who calls you on your BS.
I really do feel bad for her. She is incredibly out of touch with reality.
Marie, im about halfway in and i just wanted to say i hope you start valuing your time, life, and body. A better life is possible but it isn't easy. Work hard and respect your future self enough to make good choices.
Owner operator here. Unfortunately, this poor girl has no idea what she’s talking about. We saved up $100,000 before we even became owner operators. And it took us about 15 years to save that money. You have to have thousands of dollars to back you up when you become an owner operator. You have to always be ready for maintenance, breakdowns, tires etc. The insurance alone on just one truck is over $1000 a month. And depending on how much diesel is each day, it can range from $370 all the way up to $500 per day. I have a dedicated load where I drive 523 miles per day. We make really good money but it’s a huge risk to have a truck on the road and it’s taken us a lot of hard work and dedication to get here. I’m not saying that this young lady can’t do that, but she needs to come to terms with reality. She needs to learn to work hard and I believe if she took a little weight off. She would get her self-confidence not to mention the energy that she needs to be able to work and I’m not saying this to put her down. It’s the reality of the situation. That is what is holding her back on pretty much everything right now. I am a woman truck driver as well and it is not easy to get your license. I had to work hard, and I had to earn my license. I was very fortunate to have my husband who also trained me for a few months more after I got out of the Trucking School. Because like the other truck driver above stated a lot of drivers just get their license and then they’re thrown out on the road and they have no idea what they’re doing. It’s so incredibly dangerous. And I know most of them are driving automatic trucks, but there’s still a lot to learn that you don’t learn in Trucking School. I wish her the best, but she needs to come to terms with reality.
Thank you for sharing this. Former dispatcher here and I respect truck drivers so much. People don't realize how dangerous and how stressful that job can be for drivers. The situations that can come up are continuous. And yes trucks breaking down, insurance, diesel, parking those costs add up.
15 years for 100k?I got lucky then.made 200k my first year after taxes as a none owner operator. But it was moving.so tough labor.
@@angeluceta5688200k after taxes in one year? As a non-owner operator? This sounds...incredulous.
...Embezzlement? Lol
This girl couldn't even handle the logistics of navigating a Walmart to get a fingernail clipper and trim her own nails. Pretty sure it is safe to say she cannot handle becoming an owner/operator or managing rental properties for passive income.
@@FableCountry we get pay not just for the miles,but also cubic feet in the trailer+ alot other extra things like shuttles,pianos,stairs,long walks.you also get tips which is thousands a month on top of pay.
Someone needs to sit this girl down and talk to her about life. She is directionless just existing with no idea what she wants to do for work, what she needs to retire, if she wants a spouse/kids, and no goals for the future.... not to mention a poor attitude and zero drive to do anything with her life. She would rather make excuses and remain in her current situation than do what it takes to dig herself out. She needs way more help than just one hour of financial advice.
Exactly...she needs the services of a clinician.
Directionless is an accurate description
My heart goes out to this girl … we can all sit in our homes, laugh and criticize but this is a young woman who’s hurting. She’s angry, confused and isolated. Depression looks different for everyone.
She's also severely overweight.
Exactly!!
She just needs a lot of help and guidance, there's a bigger story here. How has she ended up living in a bloody car😢
I couldn’t agree with you more. My heart goes out to her. This could be any one of us. Mental illness definitely looks different for everyone and for those that have no compassion or empathy be VERY careful Making fun of her because you could be in her situation next month. I pray that she gets the help that she needs in every way because she deserves it. Sending healing to her and positive vibes.
Yes. It also sounds like she may have developmental delays or challenges, and it’s unfortunate when they are used for entertainment
Girl. You can do it. No kids , not married. You can buy a house within 3 years- if you budget correctly
As a female trucker, it hurts to say this, but I dont think her going back OTR is the right answer. Especially mentally, I think she'll be worse off. Trucking, especially OTR, isn't all fun and games. It's stressful, draining, demanding, and hard work. And she has a bad attitude. All of that is Trouble with a capital T, which could result in her potentially hurting herself and/ or others, or doing alot of damage. Attitude alone can get her banned from so many places and get her into a lot of trouble. I've seen it happen a lot, especially with women. I hope she gets the help she needs and that her situation gets better.
It's nice to hear from a trucker! Thanks for sharing
Yes! That OTR Trucker life is no joke! It has torn my dad’s body down, I keep begging him to retire. He’s 62.
Truckers are the blood that runs our country. Wish we could make it better for yall. Better seating, better sleep overs, better money etc. thank you Truckers ❤ much respect! The truckers I know especially those who truck fuel have had smarts, attitude and responsibility. Unfortunately this lady lacks these qualities. I don’t think she would even be happy if she was a house wife. I think she would be the wife who watches daytime television and let the house go to rack and ruin and use every single excuse why she can’t do things. I hope she gets some depression treatment - being homeless isn’t helping her. But I hope she atleast finds a place to live and starts focusing on practical goals. Little goals. Cooking and working etc
I'd much rather be a truck driver than broke and homeless while I work as a dominos driver ...-truck driver
Exactly. I’ve been trucking for a year now and it is a hard career. I feel like a lot of people (including me) come into it with these romantic ideas of what it will be like. I get to travel and see the country! What you’re actually going to see is dirty truck stops and traffic for miles and the side of the road waiting for road side to come fix a popped tandem tire.
Majority of people aren’t made for it but it almost doubled my income and I don’t regret it at all!
I became homeless and had a wild year-long journey back to housing. I had $3,600 in savings and minimal credit card debt, plus a job paying $30/hr and it took everything and then some to get back to stability. Frist last and deposit alone was $7,000. Car troubles also thousand and thousands. This woman is so niave to what it's going to take to get back to stability.
Rip
Respect to you. Homelessness is scary and so, so hard
Glad to hear you’re doing better! Keep up all the hard work!
Every time I see one of these videos I automatically open my bank account on the side and start calculating the shit expenses I have had this month and imagine Caleb shouting at me. 😅
open all my Credit card apps and pay down the balances, even though I do that every Friday anyway. LOL I get anxious and start double checking all my accounts.
Haha same for me, I made a financial spreadsheet document in google drive that I use, these episodes encourage me to update it consistently and to look at the bad numbers.
The plan is working 😅
YOU ARE NOT A CREDIT CARD PERSON!
Same here. I’m keeping a spreadsheet of my expenses. Fast food and useless stuff is under “Taquitos”
Excellent closing line with the percentages, her sign of relief was a bit of hope she needed. You're really doing a great job Caleb!
I'll be honest I do think this women has been sold a dream but she's been sold a dream while also being despressed. The way she talks about life, work and almost everything she doesn't seem to care or have much emotion.
Agree, she seems cognitively slowed and low volume voice which can be signs of depression
This poor girl has been let down by several people and entities. If she wasn't in special education in school she was let down, period. This video is the largest argument for financial education for people with learning disabilities I have ever seen. It is obvious that this woman has some sort of special need that hasn't been addressed, and it breaks my heart.
I have worked with several people that had developmental handicaps & never got past 3rd-6th grade in school. Yet they were much sharper financially than most of Caleb's guests!!They lived within their means & watched their savings accounts like hawks!!
@@kaythegardenerabsolutely! I was just saying to my husband (talking about this guest) that we have personally known people with profound learning disabilities who had their ish together MUCH more than this woman does, and I lay at least part of the blame for her situation on the people around her who obviously did not do a great job of guiding her. She just grasps onto stuff she's heard on social media (the car living, FIRE method, etc) and just assumes it will work - critical thinking skills may not come to her naturally, but she could definitely be taught them and be able to use them.
I totally agree with you. The school system failed her and her parents or guardian just could not help her.
Yes, I've know people like her who have got lost in the educational system and were never able to recover when they should have had special education classes so very sad.
You all have GOT to stop making excuses for people. Her mental decline comes from wanting the end result but not the work. See how fast she said she didn't want a tech job or a career? Want to know why? Because studying and work is involved. No teacher can make you do the work that's a CHOICE you make for yourself.
I honestly feel like whoever is producing and vetting these people is playing practical joke on Caleb
My theory is, that they took out a life insurance on caleb and now tries to trigger a heart attack
People with bad finances aren't typically the most put together people lol
@@Username0467 true but these last 5 have been pretty out there. I mean barely functional adults not just poor spending habits. Also ignorant of how basic reality works.
Caleb's big thing from what I've heard him say is helping the people who need it most. which is why it's not just people in bad situations but homeless, jumping job to job, ect. @@rdavidsmith
Crazy = views
I absolutely cant get over her hair. Shes so pretty , her hair is beautiful. If she cared a tiny bit more... BOOM 💥 beautiful.lol her voice is soothing though..
I wish her the best.
It’s a clip on or drawstring synthetic ponytail she’s wearing. Not her real hair. They come in many curly textures
@@aissdiouf9624how do you know? Plenty of people have hair like she does.
“I don’t want a career. I hate careers.” Some people just don’t/ won’t ever get it.
That one hurt me
I had a panic moment when I heard that… my career is something I’m so proud of and work hard at and not having that motivation or passion for something I can’t imagine
"I hate kids. I may have kids." Uhh.. say what now?
@@shanyshan603 Same. It would be a meaningless life imo.
I can sympathize with that statement a bit. In my Ind, a career implies a management position,which is slightly more money per hour for a ton more responsibility and BS. In retail, which is 90%of my work experience, that includes shielding lower ranked team mates from shouting Karens.
OTR truck driver here.
The job is more mentally straining than most people would guess. I've always been an introvert, but after 2 months even I was starting to feel stressed.
BUT it does get easier.
Also if you're an over the road truck driver, you could live out of the back of your truck. So you don't have to pay rent, and all the money that would have gone to rent can go to paying down your debts and eventually saving up for a house.
I worked as a dispatcher for several years. I respect over the road truck drivers tremendously. People don't understand the shit they have to deal with when delivering a load etc. I do know drivers that live on their truck or would have weekends off and just rent a motel for a couple of days.
“Saving up for a house” 😂
@@SmallAndSoft
I bought a house with this job
@@CouchMarine42 W
Which year?@@CouchMarine42
Every guest is always just starting a new job it feels like
Yeah, I'm kinda getting sick of this stupid show. It's not financial planning advice, it's just schadenfreude. Find someone who gives a shit please.
I commented this in the last video that how many of these people "just started a new job" is truly mind blowing
Or just started budgeting
I just started this new comment
Only trainwrecks are invited to the show. Drama gets the views.
the fact that Caleb was like, "are you pranking me? ARE you pranking me?" LOL
She probably lost her CDL because she could no longer pass the DOT physical. Happens to a lot of truck drivers.
Yes🎉
Had no idea there was a physical check (not that I ever looked into it... Just surprised).
@@thinkingblack4035 Same! Very interesting.
Uncontrolled high blood pressure, cholesterol or diabetes will invalidate the CDL. You can still keep CDL if you can get disease under control (i.e. do what Dr. says, take any prescribed meds & follow lifestyle advice, & have more frequent follow ups). Standard CDL requires physical every 2 years, may be more frequent with health conditons.
@@thinkingblack4035yep every truck drivers has to have a medical examination on file with the DPS. Every 24 months it must be renewed
Retire in 10 years with zero in a pension......LOOOOOOL HOLY FOOK!
😂😂😂 I heard this comment
Good lord. When I was 27, I was traveling the world as part of the United States Army. I was in charge of the training and welfare of over 50 Soldiers. I had already been to a Theater of Operations multiple times. She has the emotional maturity of a 5 year old. She wants the sun to shine up her ass with no effort put into anything. She’s the product of parents telling her how special she is and never challenging her to be anything more than mediocre.
I think scratch offs and Powerball tickets are her retirement plan.
Dang though, she is really out of touch with reality and really does not understand a lot of living costs. Like frighteningly so. As a mental health professional, I seriously have doubts about her mental acuity.
SAME.
As a former truckdriver who was homeless during my time as an otr driver, the best thing I did was put all of my stuff in a storage unit and I practically lived in the truck because it's a home on wheels. I'm sure she could still get back into a truck for long hauls as long as her cdl is till active, pay off her debts, save a butt load of money and then get out of the truck with something lined up for her to do for a living. Or start a career in. Then again, she's making stupid decisions based off what she feels like doing. Remove the emotions and follow the logic
What is the address on your driver's license when you do that? The storage unit :D ?
@@TryHardNewsletter 420 Elm Street
Watching this while eating taquitos!! (That I brought from home)
👏 🎉
Which were bought from 711 lol
She ate all your taquitos
Got me in the first half 😤
My wife and I are driving to Richmond VA to visit my son and daughter-in-law. 9 hour drive. I am 100% going to pick up some taquios!!
I love you Caleb but I would love it if there were some guests that had nicer situations. I'd love seeing you deep dive into more details of how to make an OK situation good, or a good situation great. Also, the idea of seeing you actually happy on camera is something i NEED
Same
could not agree more. He used to have these episodes in the past.
Commenting to boost this, yes please.
Yes this
While I like this idea, I don’t find it too realistic. Caleb prides himself on the “tough love” and that’s just not the same for a good or even an OK financial situation.
there are soo many scams being run on the internet that got people CONVINCED they can „just start a business“ or „just earn passive income“ and get rich quick, it’s so disheartening:( these things take advantage of the most financially vulnerable people😔
You cannot possibly blame other people for her lack of intelligence. She has no idea what she's taking in. It's all just talking points with no substance behind it. If she was putting money towards some program I would understand but she's not. She's just slow. God bless her but she needs somebody, whether that's family or a significant other, badly in her life to lean on.
This woman seems so genuine. She doesn't seem to understand it all, but she seemed like she was actually here for help.
Not gonna lie gettin tired of seeing people who don’t/wont change and would much rather see someone that looks like there gonna make progress
They have to apply to be on the show, so it definitely depends on who wants to be on
@@alexsingleton0 And who will make an interesting show.
Most people who possess the capacity to turn their lives around do not wind up in this position in the first place.
$646 car insurance?! She’s literally being scammed holy
Gotta be geico
Or she’s got a bunch of accidents. And she’s allegedly a truck driver. That scares me.
She probably paid ahead for half a year. The total monthly transportation expense is $615 including $546 car payment.
@@Tr3v1sinterestingly, I just changed insurance from Wawanesa to Geico because it was literally $1000/yr cheaper than any other company. 33, clean record, 2018 Lexus IS in southern Cali. I got hit with a 40% increase from every other company. Shocked that Geico was so much cheaper with the same coverage. Sorry for the story you didn't ask for. 😅
if its a 6 or 12 month insurance (although i doubt its 12 months), it isnt that far fetched. EDIT: holy fuck it is per month
Caleb goes in on these people because they need it - but to see how he actually cares about them and wants the best for them is really welcoming and heartwarming. You’re a good dude Caleb
Damn “what am I supposed to do with cash?” got to me I was feeling sad for her situation but there’s ain’t no way she didnt know cash can turn into money in her bank
It’s truly sad to see when citizens especially from the US can’t seem to put together their finances, little to no experience with the market, empty portfolios and lack skills to help them in the real world. I almost feel sorry for them.
I don’t think she has the slightest idea about what she needs to do. This is probably the first time she’s taking counsel from anyone.
She should probably use SOFI as well 😅
If she had the money, she could have considered financing planning
Yeah there was this popular investment advisor that had a seminar talking about how to keep your business money and savings in check. He’s a CFA, I think sir Cook or so…
I’m rooting for her to get better at her finances. She probably needs daily guidance.
Today I got married ❤ and because of your videos I payed off all my credit card debt! I want to start this new chapter in my life debt free
Congratulations!
Congrats!!!!
Crazy to think you got married “today” and are on here commenting lol
@@windycitywarrior71 yeah it was courthouse wedding 😂 had a lot more free time that I thought
What a way to spend your wedding day, watching an hour long TH-cam video... 😳
Him “You may have been sold a dream on TikTok” Her “No TH-cam”. 😂
😂😂😂
Haven’t gotten there yet … tell me this isn’t real lollll😅
If someone doesn't want to work, owning a business is not a good path. My parents owned a business, and they worked crazy hours. If someone is sick in a small business, it's often the owner stepping in last minute. A café owner I know is working 7 days a week, and is still paying off debt for the café. It's not a get-rich-quick scheme.
I’ve been in her shoes and I’m still working on it.. sounds like depression. I’m proud of her for coming on the show and seeking help.
Same.
I don’t think it’s depression she really struggles to understand basic things
@@WinterM-hr3xvyeah, she's confused why would Caleb consider CASH as INCOME. I don't even... Not knowing how much you make might be part of depression, not understanding why must be a marker of some kind of mental development issues
It’s like she’s depressed but doesn’t have the capacity to recognize it.
She is one of the few guests who actually don't iritate me. I think she has lived a hard life of being beaten down. Yes, she made choices that led to where she is financially, but I feel like she needs more than just financial help. She needs a life coach and a therapist to help her build confidence and to find purpose. I'm rooting for her.
"I have money in that account now"
*literally 1 second later*
"No I don't"
She's way more annoying than most of the other guests I've seen.
No she's literally illiterate and unable to think both in abstracts as well as unwilling to actually....work
The only thing she's beaten down is an all you can eat buffet. She needs to put the fucking fork down and work more.
I couldn’t agree more. She needs a medical doctor as well. She doesn’t seem to have family in her life or any kind of support system. Apparently no guidance. I feel bad for a lot of guests but this one has made me feel the saddest.
I think she's the worst to me. She wants someone to hold her hand. She's lazy. Prime example of someone living off the government soon
$1 tip is the standard if you tip for the hotel shuttle van. It's a 5-10min ride with 10+ other people.
Totally agreed. Tbh, it's not even necessarily offensive if you don't tip.
Tipping Culture is fucking stupid.
ya, no.
US crazy with the tips, just start paying people for the work as an employer.
Crazy how shuttle drivers get tips for driving people 15 min max