23-Year-Old Spoiled, Or Just Bad With Money? | Financial Audit

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[@CalebHammer]

Please consider subscribing 😊

[@Zero_Phux_Given]

"Only paid half" - may wanna edit that screenshot for privacy?

[@CalebHammer]

@@Zero_Phux_Given on it now! We did not catch that late last night

[@jaqueitch]

@CalebHammer Was the winner of the 50k subscriber giveaway ever get announced?

[@Zenduri]

@@jaqueitch It was on 1 of the shorts

[@Zenduri]

@@CalebHammer Love you and your channel but that and the email from dumb money a few weeks ago. Please make sure you are checking stuff before you put it up :)

[@OmGiTsMeTaStY]

Financial Audit is more addicting than a TLC show Edit: Every like is a kiss goodnight

[@CalebHammer]

Haha thank you!

[@Skoolofrocknhop]

We are in shock and awe, it's hard to look away from a train wreck plus anybody is a few credit cards from being in their position, more than we would know

[@Maya-ln1os]

Right?!!!! And I'm addicted to TLC shows

[@Maya-ln1os]

She should've just went to a community college if she wanted to be a nurse! I have my master's in public health...there's plenty of well paid jobs in this field...especially in government jobs.

[@Skoolofrocknhop]

@Maya yeah for sure 2 to 3 years if you are fully dedicated in community College, get your associates and nursing license most hospitals are looking to hire you before graduating with the intent to finish your bachelor's within a certain amount of time and none of the crazy debt...both her and father are maybe just ignorant to fact...

[@emily3282]

My blood pressure spikes when people say they’re spending thousands of dollars on a degree without a clear path 😭😭😭

[@blazeitmichael3413]

What about switching majors halfway through a 4 year?

[@uniquechannelnames]

So many ways to get to get high paying work with online learning and some certifications.. smh

[@brittb645]

This is part of why it's so hard to reform the cost of college I think - people get into $40k in debt and don't even pursue the field they studied in. I can understand the outrage on the part of people that don't want to continuously fund irresponsible 18 yr olds who don't know what they want to do with their lives.

[@louismccomack9524]

@@blazeitmichael3413 I will cease to exist

[@markbrown8097]

@@blazeitmichael3413 at least the first 2 years are general studies that depending in the degrees won't need repeating.

[@c1d342]

Her little giggle after evertime she says she did something financially wild was sending me.

[@Magnicrim019]

Def sent me into a rage 😂

[@Magnicrim019]

19:40

[@ryswe]

It's a defense mechanism to cope with the fact that she's screwed

[@Code4Cam]

Lmao fr

[@lisamarielund6292]

By “wild” what you really mean is “stupid”.

[@jennifer.martin.48]

As a nurse for 13 years, you need at LEAST 2 years of experience to be a travel nurse. So her tentative plan for that is a figment of her imagination.

[@TheSusan1127]

Haha yea I was thinking the same thing

[@bensheard3969]

People with her attitude and at her age believe in manifesting so your kind of yelling down a well with that one

[@dragonkingsports]

I have a hard time believing you’d make $8K a week as a travel nurse. That’s over $400K a year. You’re making nearly half a milly as a nurse? Not buying it. I’m open to being shown I’m wrong though.

[@jennifer.martin.48]

@@dragonkingsports maybe during COVID, but those kind of contracts were rare. Now, they range from $2500-4000/week, depending on what kind of floor you’re on. But there’s a reason why they’re offering so much money for this, no one wants to work there, they’re perpetually short staffed. Sometimes the money just isn’t worth it.

[@JohnZombi88]

@@dragonkingsports I've seen travel nurses make $6k in a weekend.

[@Sam-st5wj]

"Once I get a job that I like I'll be ok" is the biggest cope college kids tell themselves for their poor financial position

[@adjcsee4476]

Just like they believe they’ll be making 60-100k when they get out of college. Laugh so hard.

[@affiqmohammed981]

@@adjcsee4476 stem jobs

[@Orange56222]

@@adjcsee4476depending on your major that’s extremely possible…sounds like you’re a bit jaded

[@stephanies34]

@@affiqmohammed981 Exactly. Could easily make 80-100k with a BS in some fields.

[@erwina4738]

@@adjcsee4476 I started making 60k outta college non-stem major

[@WhatIsThis-zq4hk]

"does that mean you're in debt?" "No..." *few seconds later* "I have credit card debt and $40k in student loans" Girl, why did you say you have no debt??

[@CalebHammer]

Yup 🤣🤣🤣🤣

[@gh5520]

She purely sees that debt as daddy’s debt

[@earthstar7534]

Because shes going to pay it off lol

[@EGH666]

reminds of "do you have any illnesses or health issues" "oh none of that" "what are those pills for?" "oh that's for my diabetes"

[@sandingo]

@@earthstar7534 so only count the debt shes not going to pay off? does that make any sense?

[@thecommonsensecapricorn]

I love how Caleb is un-fazed by people having attitudes with him. I wish I could be like that.

[@jwest707]

Has anyone mentioned that your username is an oxymoron Is it on purpose?

[@zeweeaboo.7612]

​@@jwest707stfu astrology is real lol

[@toeleg]

​@@jwest707lmfao 😂

[@elijah__]

so for me i took a lot of crap in my childhood, i learned being passive got me out of bad situations more often than raising my voice did. i think its different for everyone, and my reason isnt the greatest, but yeah if people disrespect me i can very easily ignore it and refocus on whats going on

[@Rockstar22ize]

If this girl didn’t have daddy’s money she would be screwed. I hope she truly realizes how lucky she is to have a dad like she does.

[@iforgothowchangemyname6772]

Facts tahts why she doesnt care

[@someusername4129]

That's why she's got the dead eyes. She's never had to face her own consequences.

[@fytbomm]

ur just mad that ur poor lil bro

[@reflection8578]

My thinking is her dad isn’t rich and she is bleeding him.

[@casualgamers3369]

In a weird way I could see the guy she broke up with is somewhat lucky. Otherwise he's going to become what her dad was to her financially.

[@SpoonHurler]

I cannot imagine ever being in a position where a 30 dollar reoccurring fee was on my account and I didn't know what it was and I was okay with it. That's like 3 trips to Panda.

[@CalebHammer]

EXACTLY

[@Yourpolice69]

If you look it up, it's a stalker service

[@themanifestorsmind]

@@Yourpolice69 I feel personally attacked because I use Been Verified 🤣

[@Yourpolice69]

@@themanifestorsmind now that I know what it is, I want to use it too

[@matthew9677]

Yall are gonna make me try panda out at this rate

[@masonhock6442]

“Basic credit card debt”. Not a healthy mindset in my opinion

[@CalebHammer]

Exactly!

[@tlemieur3]

Basically at 20% interest 🤓

[@Gweivyth]

Depends. As long as your utilization is reasonable and your payments are on prompt, the reflection in your credit score is perfectly healthy.

[@jalexb503]

Credit score doesn’t justify high interest rates..

[@Gweivyth]

@@jalexb503 That's why I said it depends. When I was young my credit was shit due to a family member taking out cards in my name without me knowing. When I was a little older and wanted to start repairing that damage, the only thing a person with bad credit can get is high interest credit cards or high interest loans. I took out both and paid ahead to avoid interest because I had cash in hand to buy the things I wanted, but not the credit. It was worth it to me since there was no risk, I was basically buying my way out of having shit credit. Unfortunately that's what a lot of people in poverty in their early years end up having to do.

[@grahamsmith5975]

Shes gonna be shocked when she gets her masters and gets into the "actual working field" as she describes it and is making roughly the exact same as she is now.

[@nineteenfortyeight6762]

I doubt this stoner will get her master's, ever.

[@stillstymied]

She could 2x or more depending on where she works. Her graduate education and career path are fine.

[@AstarTiamat]

​@@nineteenfortyeight6762but she said she's almost finished

[@Impereaux]

…or less.

[@juliet4093]

@@nineteenfortyeight67621. You don’t know she’s a stoner 2. She’s almost done

[@JoseConQueso94]

Im 1000% confident that if she does a check up at the end of the year, she will be in more debt than she is now

[@kinpin66]

I agree. "Daddy will bail me out"

[@laurentracy6282]

I really try not to judge your guests because laying out your finances for the Internet to see is not easy, but her demeanor is killing me. Everything from talking about going from getting a master's to taking a step back to a nursing degree, to the smirks and side eyes is killing me. Finances hit differently in your 30s and she's setting herself up for horrible financial habits.

[@Platymapuss]

It's her nonchalant attitude that does it for me. I also try and not to judge his guests, because if I'm honest my finances are not the best, but he's genuinely trying to help her and give her the best possible advice and she's acting like she doesn't appreciate his efforts or is even worried about her debt or future.

[@moonbeamsandsparkles]

Yes and you can tell she’s lying about so many things. Why even get on his show if you’re not honest or willing to change. What a waste of time and breath.

[@bark1actual785]

It’s just nerves

[@daddyshoneygirlusa7030]

She appears to want to be a "professional student", never really applying her degree

[@evalyn3975]

For real she’s being so condescending and annoying he can be harsh in his deliver but girl wake tf up he’s trying to help you

[@ThomasCWiley]

My parents were top 1% earners growing up, but lost it all by the time I was entering adulthood. Everytime I hear “but my dad pays it” it hurts me.

[@gidd]

Top 1% in America to nothing?? Lol

[@justmemessy]

Going from the top 1% to losing it all… that’s quite a story that I’m sure involves lots of nuance. I saw a another comment under one of these videos ask “what’s one memory from childhood that shaped how you feel about money?” or something to that affect and it really make me pause and introspect. 💚

[@NaeOnYT]

@@justmemessy I wouldn't be shocked if it was something related to the 2008 financial crisis. A lot of people that were earning six figures and had gotten used to blowing through their paychecks were jobless almost overnight. It was an insane time.

[@gidd]

@@NaeOnYT six figures is not top 1% in America

[@good_time_guys]

​@@gidd ya you'd need at least to be on the 3rd lap.

[@Vixxen___904]

This one showed me how important teaching my children to cook, to be financially independent and how to budget really is. Her father seems to be doing her a huge disservice by cleaning up her financial messes.

[@katrinascarlet5637]

I don't think knowing how to cook is enough honestly. I knew how to cook since I was 13 but when officially out on my own I was spending waaaaay too much time and money just on food. I had to figure out how to consolidate ingredients and to "cheat" in the kitchen just to not spend 3 hours in there. Sure it might taste a little better from scratch but from scratch takes up too much time, dirties too many dishes and sometimes costs even more than cheating the recipe a bit. I had to learn what is and isn't worth making at home, i.e. bread I make because fresh out the oven is awesome and it's much cheaper to make than buy. Pie crust? Over my dead body will I make pie crust ever again, premaid is cheap and homemade was a nightmare (no matter how much flour I added it would stick to EVERYTHING)

[@weird-guy]

She saves so she’s ahead of most people but wIthout the dad “subsidized “ I don’t know if she can continue to save.

[@anthonyfletcher8053]

@@weird-guy 100% she would NOT be able to go on if her father didn’t subsidize her lifestyle. . He is definitely doing her a disservice and probably her future spouse. (she will feel entitled to the same benefits her father gave her)

[@daniel89123]

​@@katrinascarlet5637 sounds like you never knew how to cook and only knew how to follow a recipe

[@marj6377]

100%!!!!!

[@spookypotatolady9097]

Have to say I prickled a little bit at the mention of "not starting a career until 26" and the idea of "wasting" your twenties not advancing in a singular career path. Sometimes life just doesn't work out that way. It can make you feel like a failure, but you just have to remember that today is not too late to start something.

[@kiennapasimio442]

I think he meant wasting your 20s not investing in retirement or stocks. Everyone figures it out at their own pace, but mathematically, it is going to make you wealthier to start investing when you’re 20 rather than when you’re 30.

[@truthlove1114]

She’s using her parents guilt as an excuse to not take responsibility for her life.

[@blackdiopside5261]

She's going to slam into a very hard wall when her dad dies or if he says he can't fund her anymore.

[@shyguyx1219]

This show has taught me how important it is to be with someone who is financially responsible and literate lol

[@triswilsful]

This show taught me how lucky I am to have married someone good with money, totally by accident -- I didn't even think to find out if he was good with money while we were dating 😅

[@ungluedmom]

Thr number of high school kids buying fast food with Apple Pay on their smart phones would probably give Caleb a heart attack. Parents who pay for, and give, everything to their kids are causing this personal financial disaster.

[@LegionCommander]

6 minutes in and I'm already overloaded by the amount of side eyes this girl throws out.

[@Papaburr97]

I needed that laugh “what a blessing, they gave you debt”🤣🤣🤣

[@joew7324]

It is so exhausting to hear an excuse for everything. She is so disagreeable and committed to defending her poor choices.

[@dreamlaughwishful]

She’s banking on getting a great job and getting her loans paid off by the government. Her eye rolls were so frustrating. It’s so interesting how her dad having to move to TX and having to use her and sis’s college fund to cover living expenses. How she doesn’t understand how much of a burden and struggle that is. Her dad is probs in a lot of debt but being dishonest just like her.

[@candy2325]

@@dreamlaughwishful I agree. To her, on the surface everything seems okay but her dad is probably sweating bullets pulling money everywhere to keep his baby happy 😫

[@love2000amglam]

With vocal fry to boot!

[@gregoryunderwood4121]

Women have no sense of accountability

[@triswilsful]

​@@gregoryunderwood4121don't lump all women in with this woman!

[@Mrs.SamiSunshine]

As a first time new mom, I appreciate these. We put money into our sons 529 (something my husband and I never had) but this is showing me that beyond that, just GIVING kids money is horrible because it teaches nothing and there is no financial friction. Thank you for sharing these.

[@charliemarren8724]

I have a 21 month old girl and am appreciating this episode too 😅. Definitely will not be giving my daughter hand outs that’s for sure.

[@stillstymied]

What I do with college aged children: I will help you while you're in school with things like groceries, auto insurance, and cell phones. You are expected to have a job, an emergency savings account, a budget, a path to establishing credit. If you want fun money you earn it. If you screw up, you pay your way out. We also talk regularly about money, and go over concepts like investing, insurance, etc. So far so good. No one has appeared on this channel haha.

[@drea409]

I haven't finished the episode but I'm wondering if it's a bit more nuanced than that I got into an argument on KZbin not too long ago, I Claimed an allowance had really helped me get an early start on figuring out my finances and I've carried that into adulthood, whereas my fiance was taught to ask his parents for things like toothpaste and video games and they'd get them if they could. Most people were adamant and an allowance / giving your kids money was terrible, the kid had to get a job and earn fun money themselves I'm wondering now if we had slightly different ideas about these concepts. Maybe they interpreted an allowance the way this lady gets her money, her dad takes care of a lot of things even as she's grown, from bills to some fun money on online purchases. I didn't mean that at all, and I 100% agree that paying for anything and everything your kid wants you to pay for is a terrible idea. On the other hand, if she was given an allowance (yes, possibly even at her age even though she's not a kid anymore) would help her see where her money is going and how much of it is going there, and it might potentially help her start budgeting

[@mocuishle1028]

Her smirking during the episode is driving me crazy! She is so smug!

[@King_Kilroy]

I never realized how much financial irresponsibility truly pisses me off. Growing up poor, living off my mom was never even an option. There's actually people walking around life NOT CARING. I want to yell at her EVERY TIME she smiles and smirks at her utter negligence. Holy fuck.

[@michaelakc]

I completely felt the "was never even an option" to live off of parents. For the past few years they've been depending on my income. I think about how backwards this feels. I have a level of anger / jealousy over people that never had to worry like that

[@HungAtTheMall]

"valid"

[@giselle_kvm]

I'm sorry your parents weren't more responsible before bring you into this world.

[@giselle_kvm]

@@michaelakc You should be angry at your parents instead

[@tyler71989]

@@giselle_kvm nah dude, people that leech off their parents at 24 years old are absolutely a problem. That’s someone who will never be a responsible adult then blame society for their garbage decisions

[@ggukiescave]

I'm 18 years old and deathly afraid of being in crippling debt. My parents live paycheck to paycheck and growing up in a household like that has really shaped my view on money. It forced me to read about finance and follow finance-related content on social media. I don't want to grow up like my parents. I want to learn how to be financially literate, but it is very hard when you don't have any mentors or adults who lead a healthy financial lifestyle. Thank god for KZbin channels like this. You have no idea how much this helps me.

[@caroleades6918]

im 47 and 4 houses no debt single mom self employed my parents never had money side hustles and multiple eggs in different baskets I mow grass, have rental property ,interior painting, and real estate broker that's the best way

[@deesplash7087]

@@SensSwordI don’t see the hype in the Babylon book, rich sad poor dad is the truth tho 🐐 🙌🏽 and the following books by kiyosaki like cash flow quadrant

[@jesseallen8534]

Well, you are well ahead of most people in this day and age. I grew up in a similar boat, but having the drive to learn and choose to not live in fear due to finances is very important. KZbin and reading works and that is how you teach yourself. However try to find a mentor, 0lder sibling, aunt/uncle, cousins, parents of your friends, business professors. Someone able to see your situation, walk in your shoes. I like to talk to people who are open about there finances, it shows they are not afraid of judgment and willing to change behaviors and habits for the better. Cheers.

[@vulpixelful]

Good! Just be careful not to fall for get rich quick schemes. They take advantage of young people from financially unstable situations

[@stich1960]

Same, it took me a while to unlearn everything that my childhood taught me about how to handle money. These days very exact about how I handle my money and yeah there's probably a lot of fun things that I'm missing out on but I sure as heck don't want to be missing out on everything when I get old and can't feed myself. Seeing what happened to my parents I really realized that is evil with few exceptions a house where it actually set you up or a true proven business where it sets you up It makes sense but anything else like all these people spending what they can't afford on new cars it's just insane or like my parents doing payday loans it's just handcuffs.

[@haileymhudson]

I was nonchalant about credit cards when I was 22 too. And then I filed for bankruptcy when I was 28. Shit rolls downhill and catches up.

[@faithhernadez8714]

She’s the epitome of “I’ll out earn my stupidity” at a very low scale

[@Nikkitasnook]

I love how this man is so practical and will call out unrealistic ideologies on this person’s life/financial path 😭 she needed to hear and swallow this hard pill

[@GrizzlyClaire1992]

Can’t wrap my head around having $5k of savings but also sitting with nearly $2k of credit card debt. I have no savings BECAUSE I’m paying off credit cards with interest. Use that $5k immediately and bring debt down to zero.

[@justinebailey5333]

Right

[@llj9122]

Yea, especially since her interest rate is supposedly in the 20's

[@Tika927]

Yeah these people take bits of financial advice they’ve heard, like the fact that you “should have a savings”, out of context with little understanding of the principles behind it all. I’m guilty of this myself - currently paying off a high interest card and I still have to remind myself now nonsensical it is to let interest charges bleed me. For so long I rationalized interest as a fee I was willing to pay to “get through life” i.e. live above my means to soothe myself going thru a serious & difficult time. Very backwards mindset bc it only leaves you worse off

[@hyzerfl1p]

i dont think she wraps her head around anything

[@ryanhe4277]

She should have a $1000 emergency fund and that’s IT.

[@finessegod2]

I like Caleb because he gives the sob stories their proper amount of attention amd consideration but still never let's them off the hook for fucking up financially...

[@johnkantar8034]

I gotta say I absolutely love how honest and no bullshit attitude you got. It’s honestly incredible to find someone not sugarcoating peoples terrible financial decisions. Keep being real it’s fun to watch!

[@IamYODA818]

I love this. He’s like Dave Ramsey for the younger generation and I’m totally here for it!

[@One-Crazy-Cat]

A Dave Ramsey who is more in touch with reality today.

[@rushiasingsfasola]

A Dave Ramsey who won't say having an emergency fund of $600-$1000 isn't "screwed already"?

[@swampykips3381]

Dave Ramsey is meh with financial advice and absolutely horrendous with investing advice.

[@huitrecouture]

@@rushiasingsfasola It's totally screwed wtf is $1000 going to get you if you get fired? DUH

[@Sara-ri7qi]

a dave ramsey that won’t spend time making people feel like shit and making generalizing statements with zero empathy or compassion lol

[@genghisjohn25]

These are the worst type of people on this show. It's so frustrating to have people just not have to worry or care because their parents will just bail them out

[@BoostLife716]

Yea every time this girl spoke i cringed, its almost as if she thought her debt was funny

[@anonymity2882]

Future Karen for sure. She'll blame the world because she doesnt make the money she thinks she deserves and she'll only go after guys completely out of her league too. She looks like a major B.

[@slippergoat]

@@firstescape3523 very sad. He deserves a comfortable retirement but probably won’t have one because of his daughters

[@giselle_kvm]

@@slippergoat He could just stop. He doesn't have to do this for his grown daughter but he is doing it either way. That's his problem

[@slippergoat]

@@giselle_kvm Bit more nuanced then that, but I mostly agree with you. He probably knows that his daughter is absolutely fucked the moment he stops supporting her and does not want to see that happen. But yes, supporting her like this is only setting her up for failure and financial instability.

[@xxiozz]

I’m genuinely surprised I was able to get through this episode…Caleb I truly appreciate your patience and humbleness with others.

[@likedaisyshop]

I would really like for past guests to come back after a certain amount to see the progress they’ve made 🙌🏼

[@blackholejoe6LP]

I’m so glad I found this channel, it lit a fire underneath my butt to pay off the remaining debt I have, about $8k. Gonna get it paid off in 6-8 months. Keep up the financial knowledge Caleb!

[@AlwaysKDawg]

Same here on the debt pay off and the inspiration. Good luck on paying it down, you can do it 😊

[@magicsp3lls]

Same. These videos have been highly motivating to get my butt in gear.

[@milkflavored]

Dang where are you guys just pulling out thousands of dollars from to *suddenly* pay off your debt that you didn’t have before? I think we need to share what everyone makes and what they do..

[@magicsp3lls]

@@milkflavored lol. I make a pretty standard living. For me, it was debt accrued over the past year leading up to my wedding. Now that it’s all over, I don’t have any extra expenses and I’m now on my husbands insurance which saves money. On top of that I’m living more frugally now and selling odds and ends online.

[@flylikeabutterfly951]

You can do it! I’m also paying off 8k! Currently no fun, shopping, eating out and $400 grocery budget! 🎉🎉🎉 A couple months of discomfort for a bright future is so worth it ❤

[@Thatonegirl989]

I would say she’s spoiled and bad with money. Her dad obviously loves her but he didn’t give her any financial knowledge.

[@anonymity2882]

Shes using her father and will bankrupt him. She said hes not rich but she doesnt care. That girl is a complete succubus. I can tell shes a bad person all around. She had some really malicious facial expressions. Stay away from girls like that fellas, far away.

[@ewe392]

Bad dad

[@amp2193]

Trying to be her friend instead of father. Divorce sucks for kids. Ppl need to vet their bed partners better.

[@ashleykathryn9038]

You can't teach your kids skills you don't have yourself, most behavior is learned through watching

[@Thatonegirl989]

@@ashleykathryn9038 she says in the video her dad is good with money, but I think he just gives her money and isn’t very financially literate. Or just decided not to teach his kids

[@Wtfwhatisthis]

As a 25 year old who is an absolute wreck and struggling in life, especially from a mental health stand point, I NEEDED to hear this episode. I moved back home in February of 2020 and quit all my jobs to help my mom, who died in April of 2020. After going through an extremely severe depressive episode, getting addicted to amphetamines, being in a toxic relationship with an extremely wealthy man who made me feel like shit… and then at the same time allowing my dad to pay for so much of my expenses because of his guilt about how he treated me, I’m ending my relationship, and making an exit strategy to being self-sufficient and finishing school. I have 49,000 in student loans and 3,000 in credit card debt. It’s not going to be easy, but im going to focus on healing, getting my career together, and stop blaming others for where I’m at in life. This episode seriously gave me a wake up call. From the bottom of my heart, thank you for doing this.

[@fighthive4808]

23 yearold in a very similar situation to you. I also really needed this channel to give me a wake up call. As long as we stay on the right path and never forget that the challenges and sacrifice of simple pleasures will make our lives better, we WILL make it. I’m rooting for you.

[@Wtfwhatisthis]

@@fighthive4808 I’m rooting for you too! Don’t give up. We can do this 👊

[@ave0828]

Good luck. You got this!

[@jiul4907]

Hope things go amazing for you keep it up

[@remyandmjswork]

You got this baby

[@al821]

They should teach high schoolers financial management. Learn about credit, how to file for taxes, how to open a bank account and balance a checkbook, student loans, everything. And make it a required class to graduate. Have CPA’s and bankers come in as guest speakers. Too many people end up in crippling debt and have to learn the hard way.

[@13animeholic1314]

I think that’s the point dude do you really think what they teach in school is for our benefit? Or the government’s benefit?

[@spacegoat_3d801]

@@13animeholic1314exactly

[@rosalinasantos3078]

The way he said, “you… pack… a…… sandwich…” had me DEAD LOL. When she said she couldn’t leave to get food I was like oh valid but then it made sense lol. Idk anyone who packs a lunch for anything anymore.

[@bobdole870]

I either pack a lunch or starve. Third shift with a 30 minute lunch break will do that to you.

[@butterfly-of-prairie-limin9012]

I pack my meals, and I meal prep. 90% of people in my field bring their meals to work (health care), as compared to very few people bringing their own meals when I worked in my previous job (restaurant industry). It still happens

[@rbgz246]

@hhjhj I'm not old, a dude, or an immigrant, but i pack my lunches...I'm probably not the coolest person than lol

[@dwfinds3030]

That is how they get you per pressure debt :)

[@BronzeDragon133]

@@hhjhj393 (Waves hand) Older white dude here. I pack lunch every day--my $1.95 lunch versus the average $15 ordered lunch from people who earn half to a third what I do. Then they wonder why I actually had the money for dental bridges when I needed one.

[@dmdblnt1402]

Every time she just laughed about things I wanted to cry for her

[@vv9774]

It’s all about perspective honestly it’s better to laugh then cry. Like drake said, “ laugh now, cry later”. That doesn’t mean she shouldn’t take her finances seriously lmao

[@somerandomguywastaken]

​@@vv9774 she literally said the fact she pays more on credit interest then fuel per month doesn't bother her

[@pennygadget]

I will NEVER understand why basic finances and things like account balancing, budgeting etc aren't taught in High School -- it should be a semester, quarter or half year course 💯

[@KK-wh8mm]

At my school basic accounting and book keeping were taught as an elective - 'business' classes. Balancing a budget was taught in Home economics. A lot of kids took Home economics because it was easy and involved cooking. Not sure if they took anything away with the balancing a budget.

[@justwhy9427]

At my hs econ or personal finance were required classes to graduate

[@spacegoat_3d801]

It’s easier to control the population when they’re ignorant.

[@seanbrennan5192]

I had a social studies teacher in high school tell the class once that you should only use a credit card if you currently have the money in your account before you buy the item. It didn’t help one bit on any test I took 😂 but it was some of the best advice that I took with me for the rest of my life. Currently no credit card debt! 😅

[@officerahmo]

Does that affect the credit score in any way? Like if you have the money beforehand and pay it first, 0 interest, and no credit card debt, does it make for a good credit score too?

[@seanbrennan5192]

@@officerahmo I think you just gotta make the payments on time. Could be wrong though

[@officerahmo]

@@seanbrennan5192 what if I make payments beforehand?

[@seanbrennan5192]

@@officerahmo Probably helps

[@user-ww8zb1qp5d]

​@officerahmo there's credit cards like I think one is called fizz where u it's a "prepaid" credit card but a regular credit card u pay after the purchase

[@rogerdodgerrips]

I feel like I wanna be on this show, but I know he’d be like, “you spend how much on on trading cards!?!”😂 kudos to these people with being open and honest with their finances

[@MrSolLeks]

Same but "40k and mil surplus"

[@SpoonHurler]

"Your whole retirement portfolio is in foil Charizards?"

[@rogerdodgerrips]

@@MrSolLeks ohhh I’m curious about the military surplus. That would be super cool to collect! And I never got into 40k but I’ve got some friends that are. There’s some money to be made in painting

[@rogerdodgerrips]

@@SpoonHurler haha I wish!! Lol I do have a good amount of first gen Pokémon but no holo charizards. I was never lucky enough to open one, and purchasing one has become a bit out of reach.

[@MrSolLeks]

@@rogerdodgerrips yep, iv got a dental sergery coming up, between the like 2k of that, dipping into my savings too much "oh il just put it back next month!" *yea sure...* and finding this channel i had a lil bit of a panic and realized that i need to turn it around, which im doin too lol.

[@silentbovo1]

For those wanting to get into nursing after already having a bachelor's in something else with science/medical focus, you can apply to accelerated nursing programs that give you a BSN after a 1 full year program. Saves alot of time and money compared to a 2 year switch.

[@Deanna0456]

The thing that’s needs to be asked which is a harsh question is “what will you do if something happens to your Dad? Do you think he is being responsible by giving you money when he needs to focus on retirement? What will happen if your parents need you take care of them?” These are questions young people don’t think about because they don’t think about the mortality of themselves or those around them 😩

[@dizzye840]

She's unaware how dumb her life she's living and is totally content with running herself into poverty

[@maxdudomite]

The realisation will hit her like a truck when her dad is no longer subsidising her lifestyle.

[@SpidermansSymbiote]

She's never gonna go into poverty cause of daddies money

[@Yourpolice69]

Ehh not as bad was the other guests

[@mattyjay1711]

@@SpidermansSymbiote exactly, of course she doesn't care, things won't get bad because daddy will take care of it

[@oakspro2998]

Yup daddy will take care of it and if not him, another dude

[@BIGDOGESTA66]

With cases like this one, I always wonder how the person will make out after Dad stops 'helping out'. To me, just based on her reactions to her purchases and credit card debt there won't be a major change. She is overly comfortable with her current lifestyle and having Dad cover some of her monthly expenses (car insurance, reimbursing monthly dental expenses). You should do a follow up when she returns from Germany.

[@MrSolLeks]

Yep. I was finally able to move out at 30, iv been adjusting to everything over the last couple of years and burned through a good half of my savings before i really realized it... now i got a small dental surgery coming up and its gonna put me down to only a few grand in savings.... oh and watchimg these lol. Im working now on really cutting back, im in sales so my base salery covers rent and utilities with most food, going to do my best to put all my commissions in the bank till iv built back up with a goal of 20k saved. Meanwhile my parents keep tellin me if i need money help if i need it but i really dont want to. I kind of have a rolling account with my dad when he finds things at gunshows and flea markets that i want, but we have been doing that for years and he currently owes me 20 lol, so nothing there atm. Gonna be fun few months. Oh i do have like 20ish k in my 401k so thats good.

[@lucasglowacki4683]

@@smartfella221 Or she could end up in a tent on the streets of Austin🤷🏻‍♂️

[@MrTuxy]

Her best chance is to marry a new wealthier Dad.

[@MadisonFalco]

She will figure it out

[@sniperhare]

She'll be married and then will have a husband to help her.

[@intuitive_duck]

I worked at a bank. I’ve seen many parents enabling their children. They are basically adult toddlers that would be LOST without their parents. It’s sad & frustrating. It’s unhealthy both ways! Parents pass away & the children plummet into chaos. Elderly parents are financially abused by their adult children. Dark, toxic stuff!

[@jake72823]

I love how disgusted Caleb is with the spoiled, cavalier attitude 😂

[@bunkerchester2623]

Honey! Financial Audit is on!

[@glaceon666]

😂

[@knightfox4121]

She is straight up lying about that Been Verified recurring charge on her card. She knows damn well she subscribed to that website to look people up.

[@jodeemackenzie]

I think she was also lying about putting the 10k she will get from school on her student loans. Girl is definitely going shopping lol

[@candy2325]

I agree! I’ve used that site before and immediately when I was done using it I unsubscribe/sent an email to the company to cancel it 😅 having $30 a month coming out of my account Willy nilly is a no no. Plus, she said she went through a bad relationship so I wouldn’t be surprised if she used that site to track her ex

[@InTheNameOfLife1]

Maybe for dating? I’ve signed up for free trials for guys I’ve dated in the past lol, I was just on top of canceling the subscriptions or ensuring I only paid once

[@goduxunike]

What? Never heard of this website?

[@InTheNameOfLife1]

@@goduxunike it’s a site that you can look up public records on people. People use it for dating a new person if you want to make sure they don’t have any violent offenses etc.

[@BrianaBudgets]

I don’t like her attitude. She thinks everything is a big joke. You can tell her parents bail her out a lot.

[@MollyMA13]

How she’s gonna create an emergency fund: “Dad can I have $10k?”

[@davidakiva7963]

I'm not in excessive debt. Just 40k in student loans. That made me reel back a little. Excellent, she doesn't have a car payment, at least.

[@CalebHammer]

Yeahhhh 😩😩

[@saeedhossain6099]

yeah daddy's car, in her mind she might be thinking. I got his old car, he got the nice one....

[@saeedhossain6099]

@@CalebHammer honestly mate, you have the patience of a saint. I don't know how you don't just call her out more harshly, like you're not going to and I can see it in your eyes.

[@menarenotwomen]

Broke, a ton of credit card debt, and has the audacity to say, “yeah, but chick-fl-a is better.” So many of these kids are going to be literally homeless by the time they’re 30

[@kingQ28]

I’m currently binge watching all these episodes and her and the “don’t call me a baby guy” are physical hurting me 😂😂😂

[@kingQ28]

Only payed half fucking sent me😂😂😂😂😂

[@BelArtist]

That guy was the most difficult ahahahahaha

[@JuliaMarieH]

“We grew up really poor” “My sister and I had college funds at one point” 🤡🤡🤡

[@Afterthought_]

I dont see the correlation - you're assuming they had and maintained a college fund while they were kids, whereas the way she says it seems like they moved when they were kids, her dad lost his job, and had to spend what was saved for them as there was no income - meaning they grew up poor...

[@lauracortes249]

…. you realize growing up spans around 20 years, a time span so big that a family’s financial state can and will fluctuate ?

[@ThePandaSupreme]

She lost the college fund money when she was like 9 or 10 dude… did u not listen

[@BusinessUnikitty]

My other concern is beyond the lack of financial maturity and reliance on her dad to pay for so many things, but more on what her dad's true financial state is. Is he truly doing fine and cash flowing her and her sister's payments, or is he pulling from retirement accounts or getting a second mortgage to finance their dependence? What will happen if he's not there to cover and provide the safety net? Hopefully that's not the case, but I know that happens to people in this type of a situation.

[@OhWell0]

She's the first good audit until you find out about her dad. And then it's just gross.

[@candy2325]

I agree god forbid he gets sick and ill and then he definitely can’t provide them

[@francespuerner7325]

If they went through those financial hardships does he even still have a retirement? Makes me very nervous and I don’t understand how she could say them being poor is the reason he funds them. Shouldn’t it be the opposite?

[@kathymello2654]

Her "Dad will get it" attitude, is insane.

[@bunnybaker2289]

Yeah hopefully her dad is already set for retirement. If not, this will be a far worse burden especially if he starts having health problems. If he hasn’t saved then 🤷🏽‍♀️ it’ll be their problem too. Also, many don’t know that debts are inherited too😬 if you accept anything from someones Will you accept their debts too.

[@lordpokesmoke]

I laughed out loud so hard when that screenshot of her only paying half of her credit card flashed on screen

[@robertlondon7699]

Seeing these videos makes me glad I decided to take financial and future planning elective course in highschool instead of acting class it helped me out so much already I'm 36 own my own home no payments on it or my vehicle and put a bunch away every month and I'm on track to retire by 55 but I'm ahead and now 50 is in sight

[@kevbe144]

After going to public school for 12 years and undergrad for another 4, finally being done with school is a HUGE eye opener. Like you said, its time to finally enter the real world. You realize this is your life now, and its on YOU to do something with it. That was the biggest motivation for me to save my money.. Anybody reading this who is still in school, defenitely 100% ask yourself if I were to graduate today, what would I do RIGHT NOW. Start setting up your future now!

[@Freddy3Jersem]

i wish someone sat me down and told me ngl. i’m graduating and scrambling for a car and housing.. praying i’ll figure it out without work permit lol

[@mdinse]

she seems proud of the debt, like its a badge of honor

[@earthstar7534]

Its basic to her. All part of the experience i guess.

[@violakarl6900]

This isn't surprising giving the fact that major debt (as well as going into debt for small stuff) is so common in the US. I mean, not only common but so advertised as well in some kind of way.

[@Macca-95]

She seems to be a dumb person hiding behind an "education". She could have quickly studied nursing but instead just did a masters to make herself feel better.

[@keviniosue7009]

Whenever I think my finances are out of whack, I watch some financial audit and realize I’m actually in a much better place than I think

[@Starbits7]

I worked for a credit card company for 3 years (I couldn't find anything better lol), and while I hated the job it did teach me a lot. I had just gotten my first credit card too. I learned all the ins and outs, what to do and not do. I'm happy to say that stuck with me and I still have a 5% APR. My parents also taught us about finances growing up and I'm happy to say neither me nor my siblings have ever been in debt. Even one of us who doesn't make much money, she's manages. Just 1 credit card and will rarely buy a 'want'. I don't understand people's ease with how they spend money. Don't think I ever will. I always hum and haw over things before I buy them.

[@LeadingInRetail]

The thing that is so frustrating about watching this, as a parent, is how so nonchalantly she is using her dad to bail her out of her own selfish lack of financial responsibility. It blows my mind how she can sit there laughing that her dad is bailing her out constantly, literally taking hundreds, if not thousands, of dollars out of her monthly debt to income ratio. Each video I watch people who are about my age in financial situations where they have so much confidence… It is so satisfying to watch you break down their financial ignorance and provide a reality check. Keep it up

[@As_A________Commenter]

Having been around the block quite a few times, this girl is a very common nuanced sub genre. I’m not trying to be mean, but it’s the plain jane who is spoiled by her dad meme. It’s her way of making up for the lack of doting male attention that more attractive girls get. The aloof attitude, dismissiveness of the generosity, and eagerness to detail the ways in which they are gifted money, presents, or assistance is a common trait. The sad thing is the often take out their anger/sadness from rejection or failed relationships on their fathers (who genuinely have the best of intentions) in a sort of fin dom humiliation that they don’t deserve.

[@lyanna0330]

Ive had my parents use my money as a teenager for large important expenses. But our relationship never became one where they feel like they need to constantly repay me as an adult. I love how all family dynamics are different it helps us understand others.

[@As_A________Commenter]

@@JoJo-je6kq I can see why your best friend of fifteen years dropped you…. You’re just awful.

[@justhomas83]

Yep daddy's little princess entitlement kind of mindset.

[@bensheard3969]

​@@As_A________Commenter Jesus fuck you just described my sister and this girl to the atom. I knew she reminded me of my sister but didn't know why. She's the "starter girl" model that isn't attractive enough to get checked by guys but not ugly enough to actually have a personality. Guaranteed her room is full of harry styles and nirvana "retro" posters and she has at least 3 Pairs of dirty air force 1s for festivals. And yes her dad regrets every day that he had a daughter.

[@OhWell0]

I'm loving all the *not actual financial advice disclaimers. Caleb is going to give you the blueprint for a better life and take NO responsibility for it.

[@mbsimmer]

Her vocal fry is killing me.

[@jasonnexkemp2776]

Her becoming a nurse or some form of medical field makes me scared for anyone who has to receive care from her…. She is just tells him what he wants to hear and will not do anything at all. The fact she cant make up her mind on what path she wants is just as bad.

[@nineteenfortyeight6762]

She also needs to keep her mitts off public policy.

[@someusername4129]

Don't worry she won't make it. The medical system has a grinder that chews people like this up. She's very flat personality wise and not good looking enough to be an aesthetician. She will probably do another career swap.

[@TheMaristocracy]

I can't stand it when the guests giggle about their bad choices. I know it is probably just nervous energy, but it reads as immaturity.

[@ActuallyEvil2]

It’s immature because they aren’t comfortable with emotionally confronting their issues without soothing methods

[@sganet_]

My hair won’t stop sticking up watching this. People like her are so common even around my friends. Honestly, I probably know only a small handful of people that’s anywhere close to basic financial literacy. Know how much you spend a month/year, positive cash flow, not having bad debts, and having investment plan for retirement. Being frugal when you are young, start building credit, and having an investment plan is so crucial. The more time you waste, it really compounds negatively for your financial freedom down the road.

[@bensheard3969]

I call her the "starter girl" model. Not pretty enough to get checked by guys and not ugly enough to have a personality. Her dad is her father Comstock and she has an IV connected directly to his heart. He wants to cut her off but her arguing would literally give him a stroke. Her favorite musician is Lana del ray and she self medicates her "depression" with weed. Maybe not weed but drinking her teeth are too nice.

[@miscellaniousnothing]

Exactly 💯!

[@BeExpire]

this guys sass is amazing. my new favorite finance channel.

[@alexeatsLV]

With so many free online banks (that pay higher interest rates!) like Ally Bank or Capital One, it always surprises me that people still use big banks that charge fees.

[@richardflagg3084]

I think the credit card companies have convinced the population that "cash back" on purchases is good. Only a small percentage of people actually enjoy that perk without paying more in fees and interest than they actually get in "cash back". Keep up the great work Caleb!

[@patriciaeichberger458]

They really do market it that way. I have credit cards and I charge them but I pay them from my credit card once it goes into my account (like three days after). It only benefits you if you pay off your card before.

[@Orange56222]

Disagree, studies indicate around 45-55% of users carry a balance. The other half are getting the cash back or other incentive

[@CrystalKat]

I do it! Never ever hold a balance, pay it off every month. And every bonus I get I put it back to my card. Discipline. Super easy though to get into deep debt

[@Pippy1]

I put everything on my card so i get cash back on all of it then pay it off. Its really easy

[@DalluCS]

I made a rule for myself where I will only have one credit card and that has a 5% cash back on food and grocery stores. The second I make a purchase I send a payment of that amount from my checkings to my credit card. This way I actively see the cash back coming and I have zero interest as I never owe anything on my card.

[@abetts123]

My wife did RN for 10k and BSN for 15k. We looked at a private college and they wanted 120k … definitely need to look at ROI with education. You don’t get that money back

[@supreme5998]

Yeah the hard part about RN is getting in the program. In my state the schools have like 12 -15 slots, and about 200-300 applicants.

[@cierabruns7271]

I love that you said behavior follows. 100% absolutely it does. I am guilty of the when I make more it won't be a problem. Wrong...wrong. It got worse and now it's a painful dig to get out. Thank you for your channel! And thanks to these brave people that expose their bad habits for us to watch. Cause I would not have the courage to do so.

[@MatthewHop]

I hope she can take this opportunity to change. It’s so sad that she is being propped up by daddy’s money and completely squandering the opportunity and privilege she has been given. A lot of people work a lot harder and a lot smarter but have been dealt a crap sandwich of a life. In fact her family had a rough time in 08 but her dad worked hard and was able to support the family.

[@GODEYE270115]

You told her everything and then she goes “I’m going to Germany hehehe” yup sounds about right 😂

[@JohnGalt916]

I thought i was financially illiterate until i discovered this channel. I went to trade school for 20k. My total debt is less than 7k. 🤣 these college grads are like "I'm 180k in credit card debt"

[@SensSword]

Good for you. People don't want to get their hands dirty anymore. Therefore you can make a pretty penny be a plumber, electrician, and so on.

[@cheeseandquackers4965]

I get to sit at a desk all day while you toil away and work 60 hour weeks

[@Mari-lc9pl]

@@cheeseandquackers4965 rather not be sitting at a desk

[@imdva]

@@Mari-lc9pl i would rather sit at a desk making 80k/yr any day of the week, than doing a trade that doesnt guarantee you anything without hard labor

[@johndoe-wv3nu]

@@cheeseandquackers4965 a plumber can work 60 hours. If he chooses. He can open his own business if he chooses. He has a job at graduation, guaranteed. He will make far more than you.

[@maggietanski2936]

i have a lot of anxiety surrounding finances and these videos make me feel so much better about mine

[@tylerkinley268]

Her dad should pay someone to be her dad. The whole time she seemed to be smirking, like shes amused by ALL of this. Also her spoiled entitlement is enraging. I grew up around alot of it and it was part of why i went to work full time at 15.

[@ClearCarson]

I know this is not a super serious environment, but it worries me when the guest it constantly laughing over their finances... you don't laugh when the doctor says you need to start exercising

[@thedopplereffect00]

I think it's learned behavior to just laugh off bad habits instead of feeling shame.

[@ClearCarson]

@The Doppler Effect hate to be an asshole but adopt new habits, it was full lengh video of her giggling at everything

[@thedopplereffect00]

@@ClearCarson oh yeah, I agree it's terrible behavior. What I'm saying is that when I realize I do something wrong I feel ashamed at myself, I don't laugh it off. It seems unnatural that people don't react that way.

[@brettdomenick]

Genuinely this is a similar thought process that I had for a while when I was still figuring out finances. She sounds crazy for shrugging things off so easily on a show about finances, but this is genuinely the thought process that a lot of young people who haven’t figured out their finances have until they really need to figure it out. Good on her for being completely honest about her thoughts because personally I don’t know if I’d be able to admit everything she has said here.

[@xxDrain]

"I'm not in debt, I just have credit card debt". WHAT?

[@KC-dr3cg]

Since I found this channel I have been binge-watching for 2 days.!!!

[@Ryan-fs2xj]

She smiles through this whole thing. This is why no one takes 23 year olds seriously

[@bensheard3969]

She should have just taken a giant sheet of paper and put "daddy's money" with a circle around it and handed it to him

[@jamien1666]

I’m 23 and cannot stand people like this. Puts such a bad perception on young people.

[@TheBullyDisciple]

💯 "it's a defense mechanism." 🤡 n I'm 21 🤷‍♂️

[@okayokay6177]

We’re not all retarded

[@potato6785]

@@TheBullyDiscipleIt’s true that an awkward laugh *can* be a defense mechanism. It can also just be that they don’t take their situation seriously and are laughing at you for taking it more seriously than them. This girl comes across as smug, not nervous enough to be forced into awkward laughter. Sorry but if Caleb uses that excuse with this girl he’s just wrong. She’s even adding a drawl to her voice, she’s confident sitting there, she’s not on the defensive even when he’s coming after her - as far as she’s concerned, everything is fine and daddy will take care of it.

[@Skill_Issue92]

Editing is taking a step up! Be cool to have like a spreadsheet adding up their monthly expenses like needs vs wants

[@MaryOlson7]

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

[@MaryOlson7]

@rachealhubert74 Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. Alice Marie Coraggio, a licensed fiduciary whom has made me over 5 figures in profit in less than seven months, handles my investments. I could leave you a lead if you need help.

[@MaryOlson7]

@rachealhubert74 Alice Marie Coraggio

[@MaryOlson7]

Lookup with her name on the webpage.

[@Patricia-Margaret]

@rachealhubert74 Alice Marie Coraggio her trading strategies is working for me for more than a year now and I’m making good profit from the stock market and she's 100% honest, reputable and trustworthy

[@jeevacation]

least obvious bot

[@illm4n]

This channel is as stressful as it is entertaining. I love it.

[@homegrownstranger4661]

I'm 32, debt free, and in good financial standing. The only thing I would have done differently when I was her age was getting a different degree. I'm currently working in an entry level accounting position and currently back in school to become a CPA (cash flowing this degree myself, avoiding loans at all costs). I can't be too hard on myself because i have always been financially responsible, I just wish I would have pursued a more lucrative degree so I could have better earning potential. just glad that I'm doing this now and not spending the rest of my working life getting by on $35,000k a year. You live and you learn.

[@ggamer77]

Start some side hussles if you can. I've learned it's very beneficial to have multiple streams of income. Especially if you loose your main one. You're not stuck with no income.

[@kylem2010GT]

How does one acquire a "dad" ? I don't have one but after this episode I feel like a dad would be a great thing to have.

[@seansaenz5370]

COMMENT OF THE YEAR

[@Thebeautibar]

My dad had money but refused to help me, never loaned me a dime. My mother was a drug addict who sold our home out from under us then used the money on drugs so we were homeless. Shocker, I was never taught about the importance of making good financial choices, nor the lasting impact it has on your life many many years afterwards. This also will impact your future children, if you have any. I'm 40 years old this July, and let me tell you, it's hard to never have anything, to work your butt off to get your check that's literally already gone before you even get paid. I would of given anything to have someone, like Caleb, sit me down and tell me what he's telling all of you, 20 years ago because I know my life and my children's lives would be drastically different today. I will never have a retirement, I will work for the rest of my lifetime. I hope these kids and their furniture children will never have to experience the pain of poverty.

[@juliemarro6522]

It takes incredible guts to do this and post it for everyone to see , but i appreciate it so freaking much man , I realize where I’m wrong and how it looks to other people and just genuinely what not to do and what to do . ❤️❤️❤️

[@SnapshotsByLexi]

"only paid half" OOF I think she's too dependent on her dad to save her. I hope he never wants to push her out the nest cause it's gonna be rough

[@marvnch]

I think she needs some tough love

[@princessana2716]

So glad these videos are coming out as I’m a young adult and financially on my own for the first time, these are helping learn what NOT to do and how to be financially responsible!! Thank you for these!!

[@ItzaNails]

She is extremely immature and acts as if she knows everything. She is in trouble if she doesn't adjust her mindset

[@gracereynolds7503]

Nurse here. If you choose the right nursing program with the right curriculum you can apply for a PHN (public health nursing) certification right when you graduate. Not that you need that certification to do public health nursing in the first place, but it helps. Not saying she should do it now, but anybody who wants to work public health this is a great option. Plus if you don't like it there are endless things you can do with nursing.

[@rustyshackleford9450]

only 3 minutes in but the fact that she considers such a nonsensical decision as going to nursing school (bachelor's degree) following earning a master's degree is a major red flag.