27-Year-Old With More Debt Than Anyone Should Ever Have | Financial Audit

[@fongdimbulator]

A lesson that has stuck with me; 5 grand is not a lot of money to have, but its a lot of money to owe

[@sma1616]

thats SO TRUE

[@theyearwas1473]

This is a great thing to know though, I'm glad you found it out d

[@emmaphilo4049]

True!

[@lisasmith742]

Facts

[@amateurtouring]

*it’s even more money to owe

[@jamiepottermusic]

She's a great life coach, she's shown me I will never need a life coach and she charged me nothing, great value.

[@15751Chris]

This bitch is adorable!

[@emmaphilo4049]

@@15751Chris she is acting cute and you fall for it. Hope you have money coz she is high maintenance

[@DarkRift7]

She expects people to listen to her coaching but won't listen to another's? Her debt is t even that bad, suck it up and be free in half a year.

[@endaevor427]

You know, that's how I learned the most in life: By looking at people doing dumb stuffs and by just not doing the same.

[@muccmaster]

She's no life coach lol. She does porn, escorts, and other shit.

[@Thecarcissist12]

This woman is the living embodiment of Austin... from the hat, to the life coaching, to the hat and then there is the hat

[@RvB_Fan_since_8]

LMAO hilarious, drastically underrated comment

[@HansenFT]

Nothing wrong with a nice hat in and of itself.

[@whiteravengaming9873]

Best comment I've seen in a bit.

[@PlaywithDaisy]

I live in Austin and I agree

[@FerociousPancake888]

And the part where she’s been living massively over her means

[@ellelaroux8689]

She can't explain her job. She doesn't know how much money she makes. She can't even specify how long she has been working as a ✨️🎉spiritual coach🎉✨️

[@jaketorpepper-king3930]

who the hell is paying her???

[@honeyhillapiary3421]

She's the exact stereotype of a female "life coach." An airhead whose whole life is a mess.

[@SpoonHurler]

Well her job is actually as an escort and she doesn't want to say that so of course it would be difficult without Caleb saying "How about you coach dez?!"

[@always_be_eri]

@@jaketorpepper-king3930same thing I was thinking!!!!!

[@jamesjeffers7270]

Professional liar probably doing Only fans.

[@bigpapichampagne745]

The IRS got their new favorite podcast

[@oneworld9231]

😂😂😂😂😂😂😂😂😂😂😂

[@richardlyman2961]

@@kansashoneybadger7899Thats fucked up, do you have a tax accountant? As a small business owner you may also be eligible for government benefits and programs. If you use these to your advantage, along with making smart use of tax deductions and loopholes, you may be surprised at how low your effective tax rate could be. Good luck on your tax avoidance journey 👍👍

[@CBusCP]

Dingbat😂😂😂😂😂😂​@@kansashoneybadger7899

[@JustJeff777]

Right?! 😂

[@chumleyk]

Right? I'm sure they would like to know her disclosed business type is incorrect. She's actually a porn actress and escort. This spiritual life coach is a cover/ euphemism. Shesuz is her name. Her 'spiritual coaching' sessions are sex with her if you aren't into just watching her videos.

[@Amberclad]

I was worried she was being irresponsible and wracking up debt carelessly, but then she said “Clearing the Debt” was on her vision board so that put me at ease

[@lindsaypaps8099]

I was waiting for this comment 🤣🤣

[@deathsoulger1]

Me too. Vision boards are powerful life-changers if you have a plan.

[@herpiegerbstick6808]

@@deathsoulger1 I've got get longer and more girth on my vision board...no luck yet though :(

[@Zemog23]

@@herpiegerbstick6808 bro 🤣

[@charidy_rose]

😂😂😂😂😂

[@etiennedegaulle3817]

This woman is the ideal consumer.

[@Championedd]

she's doing wonders for the U.S economy

[@SniperKingz]

Which is why there are so many initiatives by the government and companies to push women into the workforce. They will spend more of their income on useless crap.

[@prominecrafter11]

@@Championeddnot really, she isn’t producing anything valuable.

[@lordfizzz]

Creditors salivating watching this video lol

[@HungryChainChomp]

@@SniperKingz Not at all. Lots of budgeting programs are focused on buying less takeout, finding cheaper options for beauty luxuries, and generally targeted at women in general. There are very few options telling men to stop buying expensive sports channel packages or stop going to shows or slow alcohol consumption. Men are still the ideal consumer because they are traditionally not taught to budget.

[@Prophint]

Ever since I found this guy, I've paid more attention to my spending. I've only really started learning about my finances for the past 5 months, in that time I've paid off about $2k in CC debt and saved up about $2500. I was watching this video and seeing all the little expenses, so I went through subscriptions and canceled while watching, I just saved another $40/mo. Thanks Caleb, I wish someone had given me a talk like this when I was younger

[@choreomaniac]

She’s in the influencer trap. She has to appear successful: nice car, expensive food, clothes and apartment to sell her lifestyle so others will want to copy it and pay her for her secrets. Of course the secret is…credit card debt.

[@Ratclan]

Ding ding ding

[@Ratclan]

It’s fucked out there for some of these people. It is real easy to be gullible and fall for these guys, I’ve been there.. pay for courses that offer nothing .

[@chickenlittle5095]

This influencer (I hate that word) lifestyle is grimy.

[@imrunninazoo1115]

BOOM💥💣 also isn't life coaching a form of therapy used by a licensed psychologist/ therapist how did this became something anyone can pick up on weekend course?

[@desertrose00]

Am sure her insta is full of pic’s about how she only works part time as its good for her soul and yet because she follows her passion she has this expensive lifestyle she can afford - while helping people.

[@waterthroughyouropenhands]

"Not having an emergency fund is an emergency" hit me really hard.

[@barebonesjones]

me as well brother

[@cheynebest7028]

I consider myself very financially literate and have never taken on debt except for my mortgage, but I have never understood the need to kill money in an emergency fund. Perhaps because the markets have been extremely strong for the past 15 years since the great financial crisis and fortunate that I havent really had any crazy unexpected emergencies that blind sided me, but I think the opportunity cost is too high when you consider that emergency funds can greatly compound for you at the start of your financial journey. It's better to get that fund working harder for you because over the long term, the chances of those funds being down are near zero. The further you run, the bigger that emergency fund will get. Learn to use that credit card properly and have that for your emergency, then pay it off right away. If in the short term you are down 15% to even 30%, so be it because that will only be a short-term thing. Historically, the markets return 9%, so shouldn't you stick with that

[@michaelbeltran7824]

@@cheynebest7028point is to do both. Have available cash on hand to protect against anything catastrophic but only to a certain point. Once the fund is there - invest everything else. High yield savings can get nearly 5% and the cash is available immediately. Tying ALL your money up in investments is risky

[@lubnan08]

Same

[@aaronmichael6792]

@@cheynebest7028what

[@josee1984]

Girl is brave for coming on this show and not only confronting her own financial status but doing it in front of an audience... but man, taking life coaching from a 27 year old? Thats rough.

[@chaudx]

Life coaching at all...that shit is ridiculous.

[@michaelcap9550]

Can't swing a dead cat without hitting a life coach.@@chaudx

[@bolt7047]

I know a lot of 20 year olds that are smarter than 40 year olds.

[@Pharmasuitical]

​@@bolt7047point is, she's not one of them.

[@Capitanvolume]

Its bedroom coach... her website wa transparent in this fact

[@DeanieBN54]

This is the exact person credit card companies love

[@danielbeard2656]

She struggles with being honest. I don't understand how a person who lacks control over her own life can be a life coach. Absolutely crazy. Severe maturity problem.

[@Micfri300]

If she was a male she wouldn't be making that amount per year. She just lucked on being an attractive blonde woman.

[@sandralauzon9416]

She believed it was a sure fire way to make 40,000 a year consistently.

[@PandoraBear357]

She's probably just telling people what they want to hear and being an enabler. "Abundance mindset" and other phrases she dropped makes it seem that way. There's a lot of people looking for validation rather than hard truth out there.

[@mikianerson123]

because she cons people and sells a dream

[@AskASexCoach]

Life coaches are humans. No human has it all figured out. If you go to a life coach expecting them to have it all figured out, the issue is your expectations. They should be ahead of you in the area you’re seeking help with. That’s it.

[@MaxxMcKenna]

The fact that she’s giving OTHER people life coaching advice is absolutely terrifying 😳

[@kingtigerproffish2790]

She saw other coaches make 40k a month so that's why she was drawn to this profession, disgusting person, no real intentions to make peoples lives better, just greedy .

[@jp92382]

@@jamieberger310 uhhh no..... because if you don't lead a healthy life yourself, you are simply passing on your own toxic and negative behaviors to people in need who are coming to you for supposed "help". before trying to get paid to help others, you need to get your own life in order. "do as I say, not as I do" is not a viable business or life strategy

[@guillermorojo6572]

@@jp92382 didn't she say she was a spiritual coach? I don't think her course gets bought to tell people how to spend money

[@RandomBoxingGuy]

You know someone’s “career” is a rip-off when they have trouble explaining what it is…😂😢

[@Talpiot8200]

@@jamieberger310 sweet Jesus no one said that. The whole point is you have to put the oxygen mask on yourself before putting it on for others. Damn near impossible to be spiritually secure while you’re a debt slave. Her self admitted fact that she’s averaging 6,500 a month, doesn’t have her bottom line under control, and only got into it bc influences SAY they make 40k per month screams valid materialist and not someone grounded spiritually. Her God is money

[@commedecarson]

He’s so great to watch because he’s saying the things we want to hear him say. Straight up asking her about her ability to give advice when her life is so out of control. Incredible

[@calvinthestormfreak]

Sex is "free", get married have tons of sex. How hard is this to get. Be a good caring person and make yourself attractive to any man and stop feeding your sinful material lust that puts things and experiences above people.

[@myplaylists6310]

She’s at least in control of her emotions! Like damn I would have cried. I think he was hard on her because he knows she can do better and turn it around

[@Weenpuncher]

@@myplaylists6310 agree! She seems to feel an appropriate level of “oh shit I messed up” but she’s keeping it together. Hope she turns it around.

[@kimdelk1181]

I found that very rude actually. Her job is not a financial advisor. Even still many healthcare workers can’t follow their own advice so it doesn’t equate.

[@IAmEmber]

That was the only time she seemed to absorb what he was saying. She only works FIVE hours a day?! She can get a second job to pay off this debt. Maybe he suggests that later and I haven’t seen it yet …

[@Zypher77777]

Hey Caleb. I know it'd be a little strain on your editors, but I would like a little graphic somewhere on the screen that shows the debts vs income. It doesn't have to be onscreen the whole time but maybe where a new debt/expense is "uncovered" Love the show. Keep it up!

[@AnnaLauren]

I would love to see you re-interview these people in 6 months or so to see if any of them actually manage to do it!

[@herrpez]

You know the answer is 'no'. They'll feel really bad for a couple of weeks, maybe a month or two. Maybe they'll even make a genuine effort for the first couple of days. But it's not about radical change; that stuff just feels bad for a very long time and they'll ask themselves "what is the point?" or just justify their outrageous behavior to themselves and give up. Gradual change is where it's at, and it's too late for that.

[@Observations599]

It's never too late to change but the longer you wait the harder it gets

[@Young_Dab]

This video was posted 5 days ago at the time of me writing this and currently has over 300K views. I guarantee it'll reach 1 million views in a about 2 weeks. By then there's gonna be so many wealthy simps reaching out to her willing to be her sugar daddy. She has a "wet box" up top and down below along with a pretty face and very feminine. It'll be easy for her to get out of debt!

[@Young_Dab]

At 11:40 this basically tells me that she already has sugar daddy in her corner. "Trade"

[@stevehart293]

Absolutely!

[@REDLINE4WD.]

Spiritual coach but super materialistic. Makes sense.

[@ChineseRatfaceCHANG]

"How do I make the most money with the least amount of effort possible?"

[@bensmitt7088]

@@ChineseRatfaceCHANGyou hit the nail on the head. She’s like how can I make these books I’ve purchased but didn’t ever read past the preface work for me??

[@WadmanP]

She is NOT a spiritual coach... No, she does something else that pays her far more than $80,000 per year. Yet she's still deep in debt because when someone young and undisciplined gets tons of money thrown at them, they blow through it in amazing fashion.

[@AcmeRacing]

She's getting clients because of her looks. Expensive clothes and good looks make people want to be like her. They don't know that she's a disaster. If she stops the profligate spending the illusion will collapse. Perhaps she should declare bankruptcy and get a job working for someone else.

[@DarkConstruction]

Being spiritual has nothing to do with not being materialistic. I think you're confused with the hippie minimalists.

[@KitsuneDox]

Every “MMMMMM” is pushing me one step closer to the edge

[@Bellevitta]

😂😂😂 me too

[@MrBooYa-yd5er]

Good.

[@gotta-date-with-hate]

Mmmmmmm with the crazy smile

[@Chalunaria01]

hhhhmmmmm 👁👄👁

[@nicolefulper6217]

It’s a dismissive. She’s saying “mmm” to acknowledge what he’s saying but knowing she isn’t going to do it the way he’s saying to do

[@MillerGirl32488]

This scratches SUCH an itch. 😂 I feel so validated with how we live listening to Caleb. Others don’t get it and think we’re being cheap. But tunnel vision on our kids future is what we have!!

[@kbruns33]

I have a feeling this is the very first time in this girl's life that she got put on the spot like this. She is also a poster child of why we need to have mandatory, comprehensive financial literacy classes in high school.

[@someweirdguy5721]

But if they did that then who would the bank prey on

[@sephoratrevino7033]

I wish I took it this semester :/

[@davidjoya4441]

This is a very stupid female , the education system in America has fail these youngsters. Is really sad 😔

[@theragnarokmachine2251]

@@someweirdguy5721 duh, why do you think they already don't do it? As politically supported as that would be from both sides of the aisle, you would think someone would make that known

[@Skummybearz]

As someone who went out of there way to take financial coaching classes in high school and have family members that are very very good with money who have coached me I’ve dated multiple women who can’t stop wasting money. And I’ve told them what they need to do to fix their financial issues but they can’t stop wasting money on going out and buying clothes and eating out. They seemingly can’t control themselves. Some people just don’t want to put in the work they like the “feel good”

[@ijc9837]

She has $14,457 in credit card debt, a $29,000 car loan, and claims to make $80k a year. You're welcome.

[@Ozzythedogg]

Haven’t watched the video yet but that’s not too bad she can pay that debt off within the year and would be good if she could live off of 30k a year

[@lukebignell7846]

@@Ozzythedoggshe doesn’t make 80k per year are you slow

[@clarawdk]

​@@lukebignell7846 ??? 3:28

[@Villani_AV]

​@@lukebignell7846where in this comment did it say that? Don't assume they commented after hearing that part in the video

[@aarongonzalez787]

@@lukebignell7846😂 re read the comment bimbo

[@redhead2376]

I'm impressed that she could explain what she does for a living with a straight face.

[@Xxpianoplayerx]

She claims to make $80,000??!? Yeah freaking right! Lol

[@jogandsp]

​@@Xxpianoplayerxby working only 5 hours a day???

[@couldyou4745]

​@@Xxpianoplayerx you're dumb if you think that's not possible in the modern age. The most lazy and worthless people are becoming some of the wealthiest these days in the age of social media influencing. Idk if you aren't paying attention to reality or just coping , but it's not crazy at all to think that she could be a millionaire. Which she's not. But there are plenty of millionaires out there who do what she does.

[@hoopslaa5235]

Why? She’s very typically woman delusionally proud and braggy with these alternative type ‘hipster cool fabulous’ trendy jobs. This is damn standard illusionary cool type self perception.

[@kyleflournoy7730]

She doesn't really explain her job in any meaningful detail though

[@philipbrackett443]

Just found this channel amd I've been binging it all day. The thing I like the most about Caleb is how deep he gets with his questions.

[@Alex_Bertubesocks]

Never seen this channel. But this guy is exactly the kind of person that everybody needs as their best friend. No sugar-coating, just cold hard truth with the intent of looking out for you.

[@nadavge]

To me it feels like the offense is not the right way to get the message through. The general points are critical, but I feel like he's disrespecting them in a way that makes this entertaining for the audience but fails to actually aid the person in the video... My humble opinion

[@rambutan_lychee9255]

@@nadavgeWell the guests were the ones that agreed to come into this channel instead instead of getting help in private. And also being blunt is not synonymous with being disrespectful.

[@nadavge]

@@rambutan_lychee9255 I tend to agree with most of what you said, still though he does say things like “I don’t think you should be coaching people” which feels to me more like a personal attack than constructive-yet-blunt criticism. I guess that’s part of the contract, as you said. I just don’t it has to be to keep this channel entertaining

[@rambutan_lychee9255]

@@nadavge Telling someone to not give other people as advice that they don’t follow themselves is not a personal attack. People don’t want to spend time being lectured by someone who are not competent. There’s a value that comes with the same sentences coming from people who has merit. The woman in the claims to be a life-coach but can’t manage her own life. In what world should she be telling other how to live when she herself is struggling with poor impulse-control, finances and is in tens of thousands of dollars in debt. She needs to straighten up her life before ever thinking of coaching other on how to do so!

[@mattiOTX]

​@@nadavgeif you can't see the advice and care through the actual reality of telling you that you are fucked and you did it to yourself then your issue is with your character and you won't change until you fix that. It's a soft way of thinking that does not drive invention and innovation. If the nice way worked then they would have gotten their life together before then and once you are homeless, you find nice is a luxury that does not exist during survival.

[@Highonlifefoeva]

Who ever takes classes or goes to this woman for spiritual advice, I feel really sorry for you. She LITERALLY just said that she started doing this because she saw other “life coaches and gurus” making a lot of money from it.

[@216cle]

Playing devil's advocate, it doesn't mean she didn't learn or whatever you need to do to be able to do it. She could be good at her job but I think the whole life coach concept is stupid so who knows.

[@brandonwc]

@@216cle That's possible, but I'd be hesitant to trust a life coach that can't be happy by using her own yoga methods, but instead finds her joy in spending money.

[@216cle]

@@brandonwc exactly why the whole idea of the industry is stupid.

[@javaskull88]

She must live in California. In most of the country, people wouldn’t pay for this dubious service.

[@TheGuruStud]

It's stupid hippy shat and it only works, b/c he's in the California of Texas.

[@LauraAbel]

I have NO IDEA why this appeared in my feed, and it's BRILLIANT. This guy is firm, funny, but respectful of the interviewee, while smacking her with reality.Why isn't HE the life coach, this is an insane interview

[@denisegregory9115]

He is a financial life coach

[@faithinjesus217]

This is old actually. He's a lot tougher on people now

[@theurbanengineer]

You know he’s not actually talking to her right

[@whotf888]

​@@faithinjesus217 no shit. But to be fair, a lot of the guests aren't in their situation because they are genuinely clueless, but because of ignorance and sheer irresponsibility

[@AcmeRacing]

He'll never get the income she does. She's pretty and she tells people what they want to hear. He'll get by on far less without going broke, though.

[@gsd5.785]

Caleb this was the first video I ever watched of yours… I have been hooked ever since… you help light a fire under my own bleep that dave ramsey never came close to… since then I have paid off nearly 10k of consumer debt from the sins of my youth… I am now debt free at 24 and am looking forward to my money interesting the right way… Thank you Caleb! You are working wonders for many!

[@ego1356]

Me too!! I’m about to finish school with $27k and $10k in debt but I’ve gotten $5k to pay off after my taxes and am on my way to be consumer debt free this May!! Just turned 26 and after this, it’s the student loans and getting my degree job towards buffing my ROTH IRA and Savings to catch up!!! Had my wake up call after I started working multiple part times to pay and save up for becoming debt free and even though it’s difficult now, I’m just happy I’m climbing out of this financial pit with a plan this time around! We’re on the way up my friends!!!

[@Sarah-fs1xw]

Caleb has nicer energy and he’s funny, Dave is old and dry like toast!! Gee, I wonder why we respond better to Caleb???!!! 🤣🥰💯👌

[@zebathebeaver3761]

I like how Caleb is the real life coach in this episode. And the “professional” life coach is just a “feelings advisor”

[@mattiOTX]

That's what most life coaching is. Actual life coaches are not nice people. They are very blunt and brutal and can get to the extreme of nice and complimentary too when it's deserved. What people want with most of these life coaches is to feel good about life when their life actually sucks and they don't want to face it. Just like how people think therapy is suppose to be coddling you, it's not. It's suppose to be rough and uncomfortable because that is what drives change.

[@zoomskiller]

She is a professional useless person

[@shannonduffy8834]

Have a look at her link tree in the description she’s not a life coach she’s a prostitute

[@asheharris6642]

My aunt had a life coach for a while. It was an expensive time period for her and they just made her feel like crap. Just a scam.

[@zoomskiller]

@@nickf.6027 and escort

[@reverethepatriot1776]

She can’t just give a straight answer. That is so frustrating. I love how Caleb is so straight forward

[@Nuuurii_xo]

Because she isn’t being honest

[@RC-wz9vw]

That’s because she’s an escort

[@joesrarefinds4937]

@@RC-wz9vw you mean like a who-oar?

[@pitch_blaccck]

She can't even give a straight forward answer as to what a "spiritual coach" is

[@ochiorbus]

I love her moaning.

[@jhyland87]

How in the world can anyone pay a 27 year old to be their life coach? That's like asking high school graduates for retirement advice.

[@astnvantine]

​@@alvaro_espinoza right coach of sus

[@jmb9701]

@@alvaro_espinoza Nailed it - she cant even describe what she does in any concrete way. Do you really think this woman can put together a business? "Friends give her money for taxes" "A friend does her taxes and they trade services". Does she really think a life coach is making 40k a month?

[@jhyland87]

​​​@@alvaro_espinozareally? How do you know that? I Google her, just found life coach bs. Edit: nvm, just Google "Shesuz" lol

[@GnarlyChef]

It's like asking a homeless guy how to get rich...

[@rockyweaver7899]

@@jhyland87 You a real one

[@JimAsh-co3rp]

Caleb nailed it with the question "should you be giving other people advice?" and she deflects with "financial advice." No, honey, you're failing at the most basic part of being a responsible adult which is managing your finances, the thing you need to do in order to survive and to provide yourself basic necessities. You should absolutely not be giving anyone advice because you're effectively still a child despite your age. You aren't helping people -- you're harming them. You're not in a position to help yourself, let alone others. You're walking proof that a life coach is a scam. The blind leading the blind.

[@sp3ctralgh0st22]

It would be cool to have those from older episodes do an “after 6 months”, or a year, episode to see where they’re at after hearing Caleb’s advice and if they’ve made any progress.

[@rexanastanton]

I have been wanting this too!

[@localchumb]

I would too but I doubt people would want to come back if they failed

[@chukuemekaoje1015]

He's done a few follow ups, even having three previous guests on for a follow-up after the follow-up. Almost all of them don't take his advice or fall off after a while, and almost all of them end up worse off. One just seemed in it for the engagement for his socials. Only one follow-up guest has had their situation improve since coming on Caleb's show.

[@rexanastanton]

Oof that's so sad to hear, but maybe not so surprising

[@spencercowley1236]

yesss

[@oldsoulabode]

If she was actually living in a mindset of "abundance" then she would understand that true affluence is financial freedom, not negligent spending.

[@SpoonHurler]

And the true end goal of actual "abundance mindset" is ultimately giving not accumulation. The basis is about living a life full of option... being in debt is the polar opposite. Also the principle of choosing win-win situations. Not trying to be a jerk but she knows the words but she doesn't know what they mean.

[@InTheNameOfLife1]

She wants the image of having abundance before actually having it.

[@chickenlittle5095]

Totally Insta vibes on this woman…. You know her feed is full of the usual Insta chick lifestyle….

[@Coastpsych_fi99]

Sadly, most coaches and gurus preach abundance mindset so they can get you to justify spending money on their products. If they tell you to be frugal and save cash it would cost them money. That’s where the money is shilling courses and uses others people’s money etc

[@gabrieliacoboni6951]

AMEN.

[@GewaltSam]

I have the feeling that she is listening to this, spinning the details in her head until it works for her, and not changing a thing in the end, at all.

[@jayhova3926]

Yep 100% All of her “mmmmm” ‘s

[@TM-df1qv]

All she heard is, “it’s everything else’s fault I am in so much debt. I am doing nothing wrong.”

[@AcmeRacing]

She might be forced into bankruptcy by her creditors, and they'll split up the _miniscule_ equity she has. She rents, she's likely upside down on her auto loan... in net terms she has nothing.

[@Dakarn]

She heard "No Fun" and 100% said "No way" in her mind. She's doomed for bankruptcy.

[@cgreenfield6655]

You're spot on. This chick was doomed as soon as she decided spiritual coach was a viable career option.

[@Endeva09]

0:13 was all I needed to know.

[@robg5161]

Listening to her trying to explain it was even funnier.

[@blakedesmond]

It’s funny how spirit coaches are financially insecure.

[@piaralynsison6251]

Lmaooooo to all of the above

[@dakotaracebrown]

😂

[@solinvictus6424]

Which means I'm on the edge of being homeless.

[@morninggoblins]

Discovered this show yesterday and it makes me feel WAY better about my own spending habits, but also has lit a fire under my ass regarding getting my own financial ducks in a row

[@vogt666]

Same here

[@santoscarrillo2996]

Depending in how old you are that should have been on your list a long time ago. As it takes time to build real useful wealth not just time for money. But glad your thinking about it sooner than later.

[@morninggoblins]

@@santoscarrillo2996 should have done it much earlier, yeah. But thank you. I'm hopefully starting a job with much better pay here soon and intend to focus solely on setting myself up for success financially

[@Azerkeux]

ditto

[@CatManDoom84]

lol right? Jeezus

[@schiros123]

The privilege is unbearable. It’s unfathomobly unfair that someone could make so much money, only work 5 hours a day, and still can’t be bothered to cook a meal or pay taxes. It’s wild.

[@DivineBiblePrayers]

Why don't you call or write your representative to stop lobbying and having corporations run our country rather than us ? If you want to be rich in America u have to steal it, be an attractive female or be extremely lucky

[@lukespalding6638]

Should be noted she makes that money pre tax. She probs only makes 4k a month on avg.

[@williams.7572]

She's an escort.

[@lolo-nn4vm]

@@lukespalding6638 except she’s not paying taxes remember? Lol she own her business so it’s not like a paycheck that gets taxed. She’s getting an average of 6.5k a month and spending it all. She’s crazy. You can already tell she didn’t understand a word he said. In one ear, out the other. She’s just going to continue this mess.

[@amaleighedgar3546]

Right!!!!! 5 hours????? And I bet she doesn’t work sundays!

[@DdawgWalker]

I know everyone’s roasting this girl but I’m really glad she came on the show for our entertainment

[@chibbledorf]

Especially her clients.

[@mikes.4855]

It's good when a charlatan is exposed.

[@MattCasters]

Heartbreaking story but since she's just like my ex and can't take responsibility for anything if it saved her life... I'm struck by my momentary lack of empathy.

[@16notepads40]

most people who are roasting her are doing the exact same thing or dont know what the real world is like just yet

[@jaydubya9265]

😂

[@jacobmoore87]

I love that i've just discovered this guy. I'm in a decent financial position, but its always beneficial to listen to a good cautionary tale.

[@imco5189]

My respect to all the people that have the guts to put themselves out there for everyone to see their face and situation they are in.

[@LolBoontai]

How do you think she got the interview? Either you pay $400 every 30 minutes or you can email him, he invites you out and RIPS into you for views. Now I don't know for a fact that they don't pay if they're interviewed but I have a hunch

[@makingmodernmen8843]

They do not pay to be interviewed lol, that would be stupid. That being said, I’m not sure why this chick ever thought going on this show was a good idea. Just clout chasing and being on camera. How is this chick gonna coach anyone when she’s drowning herself on a daily basis

[@toxicavenger6172]

​@@LolBoontai I am glad he's hard on everyone about their financial situation. I think it puts them in a position where they actually consider what he's saying versus them thinking it's not that bad and then continuing the cycle.

[@saltybrackishfresh]

She should not be COACHING anyone on anything

[@LolBoontai]

@@toxicavenger6172 don't get me wrong it's good that he's ripping into them but you can't deny its good for views too

[@tdragon87]

DUDE! "Look how close we are to a thousand subscribers" and then I see this video is from 1 year ago and you've got 1.4M Subs. Good for you Caleb!

[@cyrusthegreat3299]

He said a HUNDRED Thousand.

[@jordanmartin3434]

​@@cyrusthegreat3299Bruh, even if dragon heard that, off those numbers Caleb has 7times that amount when OP wrote this I myself was trippin. I didn't the the same thing and he has 1.7.in a lil short of two years, by being an under the table money man. Phenomenal

[@RunDMS]

His subscriber count is growing like mad! 1.73M

[@jrbutler400]

Hey Caleb, just thinking it would be great if you could do a financial audit with someone that is financially responsible to sort of show what people should be doing to be financially responsible.

[@773fishing2]

That's what Dave Ramsey is for

[@sirpicklestien1436]

Great idea honestly but until he makes that episode, for those wanting to save money and succeed, I’d just continue watching all the other videos and just inverse all their financial moves. Simply not going out to eat, purchasing unnecessary luxuries, and buying low risk stocks for retirement so far seem to be the move!

[@TheDotBot]

@@sirpicklestien1436 Most important takeaway for me is pay off all credit cards in full unless you financially can't. Which I thought was common sense, but apparently some seem to see making minimum payment like some kind of homespun cashflow optimization scheme. But I'm not from the US. Is it usual for people to keep to minimum payments, or just the people that end up getting roasted on this show? No snark intended, genuine question. I know attitudes to debt are different in different places.

[@dans4125]

@@TheDotBot it is very very common. A lot of adults are in crippling credit card debt in their 40s. They're predatory as well. I get probably 7 credit card offers by mail per month

[@TheDotBot]

@@dans4125 Thanks for the reply. Scary.

[@AubreyNhyaMoon]

Bonus episode of you taking her shopping would be so endearing, I think she is very open and honest about what she doesn't know.

[@troythegardener]

Man I can't believe how she lacks any kind of accountability. I'm also 90% sure she's lying about how much she makes and her financial situation is much worse than she's letting on.

[@rigelb9025]

Yes. But furthermore, I try to approach everything I see on the internet or on TV with a large grain of skepticsm by default. Meaning : for all I know, this entire segment, and all others like it, may be entirely phoney and scripted from the get-go. It's near impossible to know for sure with things we see on-screen.

[@Iansane138]

That was the thing that most stood out to me. Everyone wants to appear better off than they are - especially in a situation like this. He based the spending and budgeting off of $6500 a month. I think she makes around $2500 to $4000 depending. That’s why when he finally breaks it all down she has a 100 yard stare at just how unattainable it’s all gonna be because she doesn’t have a correct monthly income.

[@DoritoBot9000]

@@rigelb9025 this! They might as well all be actors for entertainment value

[@rigelb9025]

@@DoritoBot9000 Precisely. It's very easy to deceive people with filming equipment & a studio for editing.

[@bmorenerde]

she is lying. theres a reason. shes hiding her real job

[@ntbeier]

This channel is gonna be at a million subs before you know it. Long-form financial audits are a nice pivot from Dave Ramsey style where he only spends a couple minutes on the phone with each person. You really get to know the person and understand their psychology/thought process in a longer format like this. And Caleb is a great host. Keep it up the great work!

[@theroastbeefking]

I enjoy the long form audits as well.

[@CalebHammer]

Thank you!

[@estebandiiidotv]

@@CalebHammer love u

[@gabelincoln3608]

@@mrbean7888 what a local liberal. Liberals are stupid why do you even watch financial advice with those commys

[@morgank.1249]

This 100% Keep it coming!

[@rachelcrowther167]

I'm screaming internally because Caleb FORGOT THE TAXES when he made her a budget...she doesn't have 6500 a month she's got closer to 4500...

[@13ikea]

I noticed that too.

[@imonlyonesam]

Yepppppp massive scary mistake😊

[@leemav4670]

She will just start a minimum monthly payment for taxes almost 100% sure

[@datboii3738]

Like she was going to save for that 😂 regardless

[@tvdavis]

@MrBean Right?! Like, “Taxes? What taxes? No income here, Mr. Government!” 🤣

[@RodNiy-dr5no]

I'm 51yrs old. $40,000 weekly and *I'm retired, this video have inspired me greatly in many ways that I remember my past of how I struggled with many things in life to be where I am today!!!!* ❤️

[@MaddisonAndrew]

Hello how do you make such?? I'm a born Christian and sometimes I feel so down myself because of low finance but I still believe in God

[@RickyDelaCerda]

It's Maria Frances Hanlon doing, she's changed my life.

[@SueNichols-z4z]

Same here waking up every 14th of each month to 210,000 dollars it's a blessing to l and my family... I can now retire knowing that I have a steady income❤️Big gratitude to Maria Frances Hanlon

[@Darlenegay-du7ke]

I do know Ms. Maria Frances Hanlon, I also have even become successful....

[@Derekparker-hl8sz]

Absolutely! I've heard stories of people who started with little to no knowledge but made it out victoriously thanks to Ms. Maria Frances Hanlon.

[@geekxlove81]

Abundance isn’t about consuming and spending money, it’s about appreciating what you have.

[@mrscassandrasolano]

Unfortunately a lot of predatory “life coach coaches” teach this wrong to get students to swipe their cards and also make 40k months

[@youtubedeletedmynamewhybother]

@@mrscassandrasolano life coaches are people who fucked their life and THINK they have sorted their shit out.. Its literally how you get the thought "i could be a life coach"... Its one of the BIGGEST red flags. GUARANTEED shes got WILD life and mental problems.

[@mattbenz99]

While I think his approach has a lot of problems, this is one of the things I like about the finance guru Ramit Sethi. The dude argues that being rich isn't about how much money you have, it is about how you want to spend your life. If you are spending your life in a way that makes you happy, you are richer than a billionaire who is miserable.

[@missaliciaxxxx]

That’s very true

[@ideekay]

"Abundance is appreciating what you have" No, no it isn't. 🤦🏻‍♂

[@eddyyymachete]

This is a tough conversation to have. Props to her to be willing to sit down! A lot of people avoid this conversation with themselves.

[@abidalihyder]

The one and only reason that she sat down was her hopes of gaining new followers. She isn't capable of mature/analytical thought or genuine self criticism. But I respect that you're trying to find something positive to say about such a nightmare of a person/situation.

[@Ljello]

@@abidalihyder damn 💀

[@powercourageandwisdom]

Eddy, I give her no props and here is why. You don't need to go have a discussion with anyone whether it's in front of a camera, on KZbin, another individual, counselor, or life coach, etc. You have to be able to quit lying to yourself. It's all about being real with yourself, where you stand, without making excuses or trying to justify your poor decisions like demonstrated here in this video instance. You can't learn with that mentality, and you won't change a thing in your lifestyle. I don't believe she will change hers either until she has to either lost clientele/income, maxed out her credit cards and can no longer spend, claim bankruptcy, get in trouble with the IRS, or end up in jail. She will only make it harder for herself and everyone close around her. Family, life partners, and friends will suffer alongside her as well. And what bothers me the most is that she is in business to give other people life advice when she has no idea how to live her own. Spirituality means taking care of all your life, not just singing kumbijah, rubing a statues belly, naming and claiming, hugging a tree, or lighting candles. Let's put put on a dumb smile, use a stupid laugh and hope for the best, and we'll call it Spirituality.. BS !! BS !! BS !! Again, i give her zero props.

[@pissboiler5978]

@@abidalihyder right because a guy making an assumption about someone they don't know in a KZbin comment section is SUPER mature and analytically inclined

[@Black_pearl_adrift]

@@pissboiler5978 most people just don’t know. Lots of people struggle with finances, lots of people ignore these issues until they die🤷‍♀️

[@margaretblount4794]

Wait until he realizes how much it takes to dye her hair that color every 6 weeks

[@sierrastanley3109]

$15? Because that's how much it looks like its worth to me. 😊

[@Ottigan]

@@sierrastanley3109 probably closer to 150

[@Vegasraised]

@@sierrastanley3109try $300-$500 for a root touch up 🤯

[@Afterlife2570]

Really depends on how her hair holds colour and her hair type tbh. Hairdressers and box dye vary so much in price that I don't think it's a fair take without knowing more details.

[@Anonymous-cb1fn]

⁠@@Afterlife2570 from my experience, it takes on average $200 to bleach your hair that level of blonde plus a toner for the platinum look. Then maybe $100 every 6 weeks when your roots start showing. Plus you have to buy the special shampoo and conditioners so your hair doesn’t break off

[@thesohni86]

The hat told me everything I needed to know

[@DavidSmith-en4lq]

God, same.

[@taylorm8661]

When I was 21 I heard this saying “Don’t spend your 30s cleaning up your 20s.” That stuck with me and at 21, I turned my life around and stopped making terrible financial decisions. It’s not easy but it was worth it.

[@davidtrak2679]

Gosh that's a great saying (also don't spend your 30s regretting what you didn't do at your 20s, but these aren't mutual exclusive)

[@michaelsieber6601]

It took me until I was 24 I’m 25 now and on my way up

[@issaSeeK]

Good for you took me till 27.

[@lamarscards]

Man. I wish I’d have heard this before 😂

[@buggus0034]

The time to have fun is in your 30’s. You can afford it.

[@rachelm2961]

I'm so glad he told people to leave her alone about her laughing. A lot of people don't seem to understand laughing when stressed is a coping mechanism. So thank you for that. I hope she got a lot out of this I know I did.

[@amalieshelby]

Everyone gets mad at me for laughing in very serious and stressful situations and conversations. I try not to because it is somewhat disrespectful but I cant help it so yes I agree that he said that to be very helpful.

[@luclin92]

​@@amalieshelby same, and it's sucks so much since so many take it as not taking the situation seriously. So nowadays unless I know the people around me I do try and hold back any laughter

[@UncrownedGlobe3]

@@amalieshelby literally there’s been moments where I almost fall to my death or get in a very dangerous situations and I literally laugh… it’s not intentional it’s almost like I can’t stop and I start hyperventilating 😭

[@chronischgeheilt]

Yeah I do this too. It Kind of annoys me because I often am perceived as Happy and content when I am in distress. In other instances it Has Served me Well though because when I am almost crapping my pants in an exam or at my boss, smiling makes people Like you...

[@thefelinedflats]

It's kinda like happy crying. Human stress response is weird sometimes

[@caitriley1255]

I can’t imagine being this vulnerable publicly. Kudos to everyone involved with this channel. It’s really good content.

[@PremiumUserUltra]

It's called reality

[@SuperLifestream]

It's been a month. 56:06 Bitcoin went up during feb, the month after this video. but then now 11 march its lower then when this video was released

[@ajtam05]

@@PremiumUserUltra Her situation is reality. A person volunteering to be exposed is not a reality for everyone. That's why the person posting this comment gave kudos.

[@jarianwarren69]

Vulnerable about having 4,000 bucks

[@ChrisBcards]

I assume they get paid for this, or its free because he's recording it for KZbin so it helps them both.

[@dustinbloodgood]

I needed this. I was feeling so broke until I started watching this. Still broke but realizing that brokeness is a spectrum.

[@RicoAngeloDeVera]

To be straight up, a shopping trip would be a fun episode to watch. I feel like it would be beneficial for a lot of people too see what is possible.

[@jenispizz2556]

True! I spend far less, cook less, and eat more healthy food than most people around me. Stir fry (light oil), rice, soup, oatmeal, potatoes, salads... These are the kinds of things you can prepare quickly or meal prep huge amounts of, and they all taste pretty good and are good for you when balanced!

[@kristinemclain3782]

I eat plant-based and try to follow a healthy lifestyle as well. People often comment that eating this way is expensive or elitist. it can be very expensive if you buy a lot of specialty products. But actually, dry beans, whole grains, and in-season on-sale produce is cheap AF. And it is the healthiest diet for the people and the planet. She can easily spend way less than $500 per month for her alone to eat an extremely healthy diet.

[@cupbowlspoonforkknif]

Sadly many people weren't taught the basics of life like how to navigate a grocery store and not get duped. Poor people are experts and you learn real quick.

[@misty5882]

@@kristinemclain3782have you done any research on how bad it would be for the planet if we all went vegan?

[@ambethk77]

There's lots of other KZbin channels like this. I love budget grocery shop videos. LOL

[@harr8658]

The girl with crushing debt is 100% telling people at a $100 Austin brunch that she can help them get life together.

[@thethinkingmansgame5050]

She basically said at the beginning she was in it for the money

[@AlwaysKDawg]

Without a doubt 😂

[@ctraltdel6510]

Shes into more than spiritual mentorship bud.

[@harr8658]

@@ctraltdel6510 yea she's into being a typical austinite who thinks life coach is a real job.

[@ctraltdel6510]

@@harr8658 she mentioned she was into "other things". She's a prostitute.

[@eraserewrite]

You have to admit that she’s kind of brave for sticking this through and being honest. She’s getting absolutely roasted. It’s commendable.

[@Oo27254]

That’s if you believe she’s being honest.

[@reniedavisson8532]

She really didn't fully buy into Caleb's plan. What is commendable?

[@jeffyboi6969]

this the type of person that wants to raise taxes and get more social programs and then not pay their fair share in taxes.

[@Silly_Fishing]

Simp

[@SullySupa]

@@Oo27254 The first red flag for me was when she said shes spending $30 on health insurance a month. There is no way, as a self employed person, she is only paying $30 a month. More than likely she has no health insurance at all.

[@sirheisenberg4459]

Every week I buy more of whatever is the lowest percentage of my portfolio and try to keep everything around 10%. Please what could be my safest buys with $400k to outperform the market in 2024?

[@firefighter-i6q]

I'd avoid the index funds, mutual funds, or specific stocks for the time being. The 5% fixed incomes are the safest bet for now. Save your cash for when the market actually shows sign of recovery.

[@brantheeskimo]

This is why I entrusted a fiduciary with my investmnt decisions. Many underestimate advisors until emotions lead to losses. My advisor crafted a tailored strategy aligning with my long-term goals, guiding entry and exit points for the equities I focus on. This has grown my portfolio to over $850k. My personal best so far

[@dengdelun3109]

That's really great. I've tried doing some research myself to hire a financial advisor, but it's really overwhelming. Could you recommend who you work with please?

[@brantheeskimo]

'Rebecca Nassar Dunne’ is the manager I use. Just research the name. You'd find necessary details to set up an appointment.

[@KatyaSantos-g4c]

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

[@SwerveMDPhD]

Hats off to everyome that comes on this show. Takes a lot to admit mostakes and we can all grow wiser

[@jtdenton1483]

Especially spelling MISTAKES.

[@gopnikolai7483]

@@jtdenton1483 I'm pretty sure that was intentional and ironic lol

[@parcheesy33]

Was just thinking… she has great emotional regulation. Caleb was fairly condescending and she stayed patient and open.

[@pwn3ronetwothree]

@@parcheesy33 Condescending? He was trying to get through to her that she's ruining her life, because she came on the show FOR HIM TO HELP HER, and she's just sitting there, hmming and hawing at everything he says, not paying attention because she doesn't actually care. She just saw this as a way to promote her business, wasting his time and hers

[@roveriia6334]

So few people understand motivation. $$$$ Also people below 30 have completely different values than those above 30@@pwn3ronetwothree

[@CatalleyaStorm]

Damn, she just told the IRS she don't pay taxes. Wish her luck!

[@carboy101]

😂😂😂

[@GrgAProduction]

FOR YEARS!!

[@MoonayMultipliar]

Mindset of abundance

[@swagkillayolonoscopesgg]

If you never start theres nothing to audit

[@nadiadansani2139]

😂😂😂😂

[@emilyhall8961]

Please schedule a 6 month update with her. It might keep her accountable and then people would get to see the outcome; good or bad.

[@vonakenyon7981]

She will be in much much worse debt in 6 months. She likes her lifestyle and if she is almost 30 she is not going to learn. She was lying about her income.

[@awill3454]

If she’s honest about her income, I don’t think she’s completely screwed if she’s willing to budget and track expenses. I think the 2/10 score is a bit harsh considering her income and the potential ability to earn more. However I doubt any of this resonated with her. She kind of had a glaze over her eyes throughout. I hope I’m wrong though

[@stephanies34]

No way she’s doing the things Caleb told her to do.

[@tango1901]

I believe she won't recover from the debts - you can see how reluctant she is during the whole video

[@timothyhermanson]

@@vonakenyon7981 She may or may not be lying about her income, but I am absolutely certain she has no idea what she earns for real. It also sounds like she is paying almost nothing in taxes. I'd love to see a six month update and hopefully she can get it pulled together.

[@STARDOG64]

DOCTOR: "Sorry miss..... im terribly sorry to say you have 1 month to live" HER: "mmmm"

[@stephenhoppe5163]

This is why it’s pointless to compare yourself to what others appear to be. She drives a nice car, has expensive clothes, clearly spends a lot on appearance, and has absolutely no money and a severe negative net worth. But I bet a lot of people with $100 in their pocket and zero debt wouldn’t think they are in exponentially better shape than her. She has no clue she’s on the cusp of disaster.

[@Celestialplane945]

Love this comment. As someone in a period of financial rebuilding, reading this brings me reassurance.

[@1337project9]

Ive always lived really simply and never had nice things. But I've got no debt, so there's that. One of those hidden flexes

[@Ishouldnthavebeensopublic]

I’m 20 and I’m significantly behind where I want to be because I had a mental break in 2023 and almost ended my own life. I’m really hard on myself about it because I thought I’d be in my dream job making 20 an hour by now and saving for an emergency fund so I can live on my own by 22. I’m not there at all. I work as a cashier part time. But I’m getting promoted to a supervisor position and get to be full time! And! I have no debt lol

[@Debilinside]

​@@1337project9 I dont travel, I have a 20 year car (which is in perfect shape and really reliable), I dont have any designer or brand clothes, I dont really eat out... People assume I'm broke and often offer to help me out, which is so funny to me... I'm not broke at all, I could pay for full replacement of my central heating system out of pocket, without even thinking about it. I could replace my car 2 times over without even touching my long term savings. I have a hefty retirement account and building a S&P 500 stock portfolio little by little. I'm actually quite wealthy and have a lot of assets, but not enough liquidity to have a fancy lifestyle. I enjoy this life, removing worrying about finances and seeing my wealth slowly building up removed a huge chunk of stress. Spending a week abroad and sharing photos on instagram about "living my best life" simply not worth it for us. Setting up my kids for financial safety and having a house I can live with minimal financial strain until the end of my life does...

[@banjogranny9156]

Her parents and the school system seriously failed this young lady.

[@bradmatthews3822]

Blokes a casual savage. He's loving bringing her back to earth in a constructive manner

[@heidihansen2132]

I've always wondered how these people who are preaching the "abundance mindset" are really doing. Her life probably looks inspiring to her followers on Instagram. Thanks for showing this!

[@InTheNameOfLife1]

That’s what it is. Smoke and mirrors for social media and living way, way, way above their means just for clout

[@SingingMagick]

Yeah these people need to understand that “abundance” doesn’t mean they can use credit cards to buy whatever they want and “manifest” a good life that way

[@DGregster]

There are other ways of being abundant besides money. However, her financial situation is clearly opposite. She makes good money, but spends even more than she has. As long as her income is sustainable she should be able to crawl out of this crater of debt rather quickly assuming she's willing to sacrifice all the Starbucks and eating out

[@anotherperspective6247]

That she agreed to do the show and be honest about her financial situation doesn't indicate that.

[@julieross1984]

Usually they are "Trustifarians" - Rastafarian lifestyle with trust fund backing.

[@jonathanmejia7516]

If she makes 80k a year, it's roughly ~$6,666 a month PRE-TAX. Taxes in Austin TX is 8.25% plus federal rate on 80k is 22% top bracket for a total marginal tax burden of 30.25%. Her effective tax rate is 19.98% or $15,981 per year. This leaves her with a real income of ~$64,000, or $5,300 a month. Subtract rent and basic necessities, which he said is ~$3500 a month, and it leaves her with with $1800 to work with. If she is paying CC and debt, she will be hurting badly for a year to pay off everything. She truly is in a bind.

[@dcabral00]

20:55 That is the best line I have heard in a long time! "Don't make fun of the laugh, it's the normal coping mechanism when someone is confronting you, so it's okay." That is just golden!

[@andrewferguson8032]

Can we make fun of the “mmmm”?

[@ktlnlwe]

I have alot of respect for this gal to expose all her dirty finance secrets on a KZbin channel and not ball her eyes out. Some people have said she's not taking accountability, but I can see the sadness and fear in her eyes as he speaks. We all have problems that are so painful to face that we just keep burying ourselves further into the sand. I hope for her sake she can make some major changes and begin to feel a sense of pride in her accomplishments. Also props to Caleb for having the strength to tell her like it is. Someone who cares about your success will have the guts to speak hard truths.

[@capitalist4life]

Well put.

[@tishsiva1533]

YO MAD RESPECT FOR THE GAL,THANK YOU FOR SITTING THROUGH THIS FOR US 🙏!!!

[@TheApplesauce1992]

Big Facts

[@radioactivationsystem]

we all die, im here for a good time not a long time. money isnt real and neither is debt

[@nepheleim]

Sadness and fear or Xanax and some sort of qualuude?

[@Maliamoss]

Girl has lash extensions, lip injections, and newly dyed roots. Shes hiding thousands of dollars in other routine charges.

[@calibutnotsocal]

Immediately noted the same. Lips are clearly fluffed, she’s clearly getting facials & esthetician work, her hair is freshly dyed etc

[@duc25xr]

I give her the benfit of the doubt. She's wearing a hat and could have roots coming in. She also could have naturally full lips. Her eyebrows look natural. My eyelashes look like hers naturally with mascara

[@ER-sj4vk]

Those are not lash extensions, I agree she probably has cosmetic charges tho!!

[@roveriia6334]

This B be a H

[@cmc9823]

@@duc25xrthose are not natural lips

[@Gcool243]

I was worried but then she said she had paying off her debts on her vision board. What a relief

[@Morganlady100]

😂 this was the best comment

[@riggins872]

Life Coaching is a scam.

[@gsteezy39]

as soon as i heard that i knew this shit was gonna be good💀

[@Tom0000]

noshit

[@mine4532]

💯

[@hyrle750]

It's funny how life coaches have some of the most screwed up lives.

[@superscribe6651]

How can she coach if her life is a mess....

[@aprilm9379]

I really feel for her. She seemed so excited at first and as Caleb talked, she became more and more closed off. His plan for her is amazing and I really love that she could get debt-free in six months, especially Caleb‘s idea to sell off her stocks and use it to pay off her credit card. I really hope she takes a minute to reflect and takes his advice.

[@cooltrucly]

unfortunately i agree with caleb and am not very optimistic about this woman. she seems quite lazy. lazy to work: only around 5 hours a day. despite that lazy to cook: gets take out all of the time. financially irresponsible because she’s lazy to educate herself. lazy to fully think about and process caleb’s advice as shown when her immediate response is to increase her income, which will likely lead her to inflate her lifestyle even further and never get herself out of debt. the consequences of always looking for the easy shortcut in life…

[@sp3ci4lkpo]

She agreed to be on the show because "I get to be in a KZbin video!" She's adorable and seems like a genuinely sweet person, but she's also got a strong but subtle attention-seeking vibe about her.

[@Caffeine_Addict_2020]

Unfortunately this video is about entertainment, not about life advice. I really do hope she's doing better though, this was brutal. At the least it sounds like she learned a ton about how little she understands finances and car buying, which are very important lessons to learn

[@beardown44919]

She wont.

[@wildtakesrap]

@@sp3ci4lkpo lmao subtle

[@MrDlt123]

I was once like her. At 42, I had $65K in credit card debt, $50K in student loans and $120K in negative equity on my home. Im now 57, debt-free and have $120K in savings. I didnt use a coach or declare bankruptcy. I just needed to discipline myself with money. You'd be surprised how much of your hard-earned cash 'leaks' through the cracks buying things you dont need, rapidly depreciating assets (like new cars every 5 years) eating out or in credit card interest. Read the statements that come with your credit cards. - It can take two decades to pay one off, but if you can add an extra $40, it may be only 3-4 years. Pay the highest interest cards first, one at a time, then when you pay one off, take that payment to tackle the next card. - It snowballs. It may seem like youre drowning, or even the end of the world sometimes, but you can get there. Good luck on your journey to financial freedom. You've got this!

[@s.l.1851]

I am so, so happy for you and your hard work and accomplishments. I am 45, living paycheck to paycheck, but I have minimal debt and I am building with a high interest savings account. Thank you for sharing, I believe I can make it!

[@MrDlt123]

@@s.l.1851 Thanks and best of luck to you!

[@laellgreen]

I’ve been using the snowball method since last month it feels like a long way to go and I still get spending urges. I need self discipline. Thank you for sharing your story. Watching these Caleb videos makes me realize how irresponsible I’ve been

[@3dCraddock]

I needed to read this. I'm not too far in the hole anymore but I didn't believe that getting out of the hole would matter by the time I turn 40. Congrats to you!

[@kaasmeester5903]

Now that I’m a little older and maybe a little wiser, I’d have to say this is the best advice to young people struggling with their finances. Take at look at exactly where your money goes every month, you’ll be surprised (maybe even shocked). And figure out how you are repaying your debts, and if it makes sense to repay a little faster. If most of the monthly payment goes towards interest, you’ll be paying that debt for decades. Some people have paid a total of as much as €150k to repay a €30k student loan.

[@anjunatuna]

This is my new favorite channel on KZbin.

[@youareaskyscraper]

These episodes always make me feel a lot better about my slowly growing savings account with 3K in it right now and my 2K smart saver certificate hanging out in the background, but I also just paid off my credit card and am two payments away from paying off a loan and being debt free. With a 45K salary. I'm pretty proud of myself.

[@kingoppsanti5830]

Give me some money 😂

[@joeshmoe001100]

You should be! That's a great start

[@CH-jj8wk]

Well done 😍 I've had a really tough time recently because I was being over-taxed (common UK issue when changing jobs mid tax year, but you get it all back eventually) but I'm finally being taxed right and seeing my eaten-away savings go up just £100 from what it started at was such a relief. It seems so small, but to go from eating away at it to seeing it grow just that little bit is amazing 🤩 but through all that tough time since Jan, I am so proud of how I managed what little I did have. Well done, us. We've done well ✌🏻

[@maskedhobo]

Keep at it.

[@faithwheeler8097]

I'm proud of you too! That's awesome!

[@Thatprettygirl_207]

My dad always told me to treat a credit card like a debit card. If you don’t have that money in your checking, you shouldn’t spend it on credit unless it’s an absolute emergency and you’ll be able to pay it off later. Unfortunately a lot of people around me don’t seem to understand that and dig themselves deep into credit card debt. I’m grateful that my dad drilled that into my head.

[@aspenranger9755]

Same here. My mom told me the same idea when I got my first credit card a few months ago and it's made budgeting sooo much easier too.

[@df6538]

Never owned one in the 15 years i've been able to own one, and i'm happy.

[@killman369547]

I treat my credit card like a nuclear weapon. I will wait until i've exhausted every other financial option before i touch my credit card.

[@Alientcp]

Nah. Its ok to get credit. The problem is the reason you went into debt. There are just 2 kinds of acquired debt. The first kind is passive one. The kind that only piles up on your monthly expenditure. The second one is the active one, where you get credit, but that money gets invested into something with quick returns. The returns you get on the investment goes into your payment, so you dont actually have to pay, and over a certain period of time, you pay the debt and you then keep the returns for yourself. So you can buy a machine or equipment that makes money for you and at the end, you didnt spent a single dime on it. So the problem is that people only acquire debt to spend, not to earn.

[@joshuab1707]

A lot of people understand that exact expectation of a credit card. However so many people don't understand an actual emergency from an inconvenience.

[@hazardmuffin]

As someone self-employed I would be in constant, unfathomable anxiety if I didn't have taxes set aside. I can't imagine being this clueless about my finances.

[@BrandenVD]

She’s a prime example of someone who saw a “get rich quick” on some Instagram video and chased a trend. Zero knowledge of anything beyond the Instagram video

[@MsTeig2009]

Same 😮

[@Tunechi65]

​@@BrandenVDagreed. Atleast she's pretty. She'll find a (sucka) guy to pay it all off

[@michaelcap9550]

Not if the guy watches Joker or Coach Greg Adams on YT.@@Tunechi65

[@HighguyMcfly]

I always just pay into taxes so I get money back at the end of the year.

[@LilTurtle353]

Thinking using the money you pay interest on first instead of the money on hand is CRAZY like the interest will metaphorically kill you girl. I pray this opens her eyes

[@JRald2016]

Caleb: breaks down EVERYTHING, gives her a plan, and stresses the seriousness of her situation. Her: HMMMMMMM 👁👄👁

[@roxywyndham]

😂😂

[@Liv40873]

Over and over

[@Keggplant]

Could be she has a safety net or some kind of backup plan. As up front as she was I wouldn't be surprised if she held something back.

[@Conssumed]

Someone said in the comments she charges 4k basically being an escort for one night so yea there’s that

[@AngerOfTheLand]

@@Conssumed Thats what "life coach" means, i have a job, but im not going to REALLY tell you what it is.

[@Jdwzl]

i actually envy her for her ignorance imagine just not worrying about anything

[@fray3dendsofsanity]

Ignorance is bliss, after all. But this is gonna catch up to her very soon

[@meinhaaa19]

her not realizing she would owe around $20,000 on her $80,000 gave me and aneurism

[@tlueddek]

Did you not hear?? It's on her vision board..

[@thehumansociety7784]

😂

[@slgogo594]

How has she made it this far in life and is still breathing and walking at the same time? 🤣🤣🤣🤣

[@kingmo565]

Once she said she's a spiritual coach for a living, any shock or surprise at her being in otherworldly type of debt went out of the window.

[@Junitunes]

I found her website, shes a s3x worker.

[@OShackHennessy]

Another worthless scammer with some BS career

[@maskedhobo]

Her linktree in the description, is all OF type stuff. Just her selling her body, calling it a life coach.

[@ms.annthropic6341]

@@maskedhobo Holy crap, you’re right! I was expecting a lot more woowa, not so much hooha. 😂

[@kaylaj.3743]

@@ms.annthropic6341I’m screaming 😭 woowa not hooha

[@CaitlinWoodstock]

This channel is going to save my life. So motivating. Most of my debt is for my MA in clinical mental health counseling which I am 100% using… but man… it is hard to be real. Thank you for your content. It is helping me to hold my feet to the fire.

[@sandymac7153]

You sir are gold! When you asked her to consider if she is the right person to be coaching and giving life advice .... SAVAGE DUDE... hats off for telling her the truth 👍

[@yvnerservius1913]

Life advice might be related to helping clients “release” their “negative emotions” 😂 all jokes aside I’m guessing she might be an excort

[@shepsean1]

@@yvnerservius1913 nah you can tell by her hat and earrings she’s a spiritual coach

[@ExplorationRandomDestination]

@@yvnerservius1913 Yeah she looks used up like one 27 going on 37

[@oksure900]

@@shepsean1 for real, she screams dream catchers, essential oils and crystals 😂

[@ImperiumLibertas]

@@yvnerservius1913 didn't think of it till I read your comment. This is exactly what she's doing. She knows nothing about "spiritual coaching."

[@Jimmy-ph8xn]

She’s physically uncomfortable discussing her finances. This problem runs deep on a psychological level. I hope she figures it out.

[@Ryan83728]

No its because she's lying and only on here for self promote. She's not going to come on here and say what she actually does for a living or how much guys pay her, or that if she needed or wanted something a random guy will pay it. The whole flaw when interviewing these women is that they don't have to be accountable even though they're adults

[@Psycofunknska]

@@Ryan83728 then she is doing a terrible job at it

[@bracero7628]

I feel like the problem here is that simply telling her what she needs to do is not the solution. Many of these people have major psychological issues which are driving their spending. They’re going to walk out of there and indulge in the fantasy that everything’s fine because they’re addicted to the feeling that they can just buy whatever they want. In her case the reality check probably won’t come until the IRS is banging on her door.

[@JonnyBeoulve]

It's an addiction to spending money for dopamine and happiness without considering the long term consequences. Good luck to them long term.

[@arbitraryalias9825]

@@Ryan83728She seemed like she was enjoying this. He might as well have saying ‘you’re a bad girl’ for an hour. Would have gotten the exact same mmmhmmmm response

[@jonchrzanowski725]

Not a freaking chance she is claiming all her income. The face she made when you said she should have 20k set aside for her taxes was complete shock, and that should be common knowledge if she was

[@ian_bruh1]

I don’t think she makes as much as she said she did and 20k at 70k income is steep

[@chrisvig123]

@@ian_bruh1 she’s being very optimistic on her income I would think now she’s probably closer to half of what she says

[@awdrifter3394]

$6500 is probably her high month. If I have to guess she's probably averaging $4-5k per month.

[@vintageswiss9096]

@ian_bruh1 20k on 70k is ~34%. That's top capital gains tax. That's the realistic number you need to set aside. Anything under than that is a bonus at the end of the tax year.

[@AD-wm9if]

@@ian_bruh1 no, it's normal. I made $70k for several years. The taxes on that are 30%. $20k is actually low because it's like... $1.6k/mo in taxes.

[@julietleblanc9197]

The saddest thing about this is that people who are also in debt are paying her to teach them this ridiculous new age “abundance” mindset and then in six months they’ll all be in the exact same position as she is. Such a scam.

[@zippy10256]

Shes not necessarily being truthful, but shes just living the lie she was fed herself. I still respect her for putting herself on the spot and allowing this guy to help her. I also like the way he can break things down and give actual constructive advice

[@BeckyS]

You know she saw this as a marketing opportunity, right? Like, any publicity is good publicity. Shes wrong...but I bet that was her expectation. ETA: I was responding to a comment about why she agreed to be on and yt did me dirty. Leaving it for posterity, lol.

[@autumn5852]

… exactly, she is simply living in the hypnotic mind sometimes called the carnal mind so she believes the bullsh*t that she’s been fed and that makes her just like everyone else who lives in this world (the material world) ~ she’s just doing her best like everyone else even if her best looks different from those who are criticising her ☺️

[@autumn5852]

… exactly, she is simply living in the hypnotic mind sometimes called the carnal mind so she believes the bullsh*t that she’s been fed and that makes her just like everyone else who lives in this world (the material world) ~ she’s just doing her best like everyone else even if her best looks different from those who are criticising her 😊

[@fdm2155]

Yeah the first 5 minutes her story makes no sense. She's quiet irresponsible. She has the planning skills of a small child. No doubt she's fake successful...living on credit.

[@conniepitts8392]

The only thing she wanted was Exposure to many subscribers from his channel..........😂

[@iwantacupcake957]

Her being a life coach while not having her life together is wild

[@OutdoorsWithChad]

Most life coaches. When flaky yoga girls turn 30 and realize they don't want to work at Lululemon anymore, they go and become life coaches because it seems glamorous and doesn't require any real skills.

[@christopherpetro2932]

*Typical.

[@Shoutinthewind]

That is the norm in the industry

[@afrominded]

It means that she is really good at faking it.

[@jenniemccall6199]

Those are life coaches. He He

[@waltersobchak8080]

My gripe with all of this isn’t that she’s made mistakes to learn from. The scariest thought to me is that someone who can not grasp the idea of living more with less should not be giving anyone life advice. She is just a validation friend for hire.

[@How_to_Pronounce]

Shes making almost twice what I make working 5 hours a day. I would swap places with her without a second thought.

[@alysemarie8313]

I know someone who has a life coach. He doesn’t want real advice. She’s as useful as a night light. Makes you feel better but does nothing to protect you. On some level I think the people paying for the life coach realize this.

[@aTribeCalledCasey]

Surely you don’t ask the brick maker advice on jewels. But I wouldn’t ask a jeweler advice on bricks either😮

[@meishamom7298]

She’s like a hire a “girlfriend”

[@Freeagentfarmer]

Dude If she was a whore she'd be making way more money than 6500 a month. And is there a "slow season" for sex?

[@bigalsretroroom]

I just found your channel and I wanted to just say congrats, you're mentioning hitting 100k subs and now you're at 1.5 mil.

[@DT4thewin24]

If nothing else.....this podcast is making me feel sooooo much better about my current situation. Thanks mom and dad for the lessons you taught me about $$$$.

[@hodgelive]

recognize that blessing and thank them! likewise, my parents were very financially literate and have taught me everything I needed to know about spending, budgeting, taxes, and saving. I couldn’t be more grateful and try to relay this info to my friends and peers who didn’t have this luxury.

[@DT4thewin24]

@jester the clear 20/20 vision only comes with a better perspective. Something the 'new' generation is either lacking or refuses to acknowledge. Sad fact....these are the folks who hold our future in their hands. They can pass lawless laws that restrict and rob. We need to teach the future investors to invest in their future, or there will be no future. Ie San Francisco, LA, Chicago. 🥶😭

[@dankus.memeokus4192]

​@LP u mean the younger generation that your generation completely failed to teach anything about money? That's a dumb take every generation says the younger generation without realizing they raised them

[@frankfrankfrankfrankfrank]

@@DT4thewin24 The older generation laid the framework for a ridiculously predatory financial environment and then NEVER taught the new generation ANYTHING. Not even in fucking SCHOOL. Lick my nuts with this "new generation" finger pointing. Boomers inherited the best economic situation in human history, ran it into the ground and let corporations buy up and control everything

[@ammar3094]

My parents both financially illiterate, had to teach myself but wasnt that hard, ppl just dumb

[@tvdavis]

The way she sighed and “hmmmm” when Caleb said that five hours of work a day meant she had time to cook. Yeah, sis, most people in the U.S. are working nearly DOUBLE THAT if you include commuting time! You’re mostly eating salads from Honest Mary’s. You can meal prep some salads for a week.

[@Argedis]

Had a friend that would order uber eats almost everyday that was worse smh

[@Danyal7016]

problem is she selling a scam lifestyle with her courses once those things starts to disappear her income will drastically fall.

[@tvdavis]

@@hhjhj393 I truly wish you every success. I never throw shade at someone who works hard like you do. We all make mistakes in life. You have the benefit of having made yours early & recognizing that you screwed up. I’m legit almost double your age & see people STILL screwing up in their 50s and I’m like “WTH?!” You reach a point where there’s just not enough time to recover. You can do this!

[@tvdavis]

@@Argedis That’s crazy! I hit the grocery store this morning and for about $100 I’ve got food (breakfast, lunch, and dinner, plus snacks) for more than a week! And I got eggs, too! 🤣

[@bluekisses07]

I have serious health issues and can’t work full time, I would love to work full time and bring home that full time paycheck. This chick in the video is absolutely capable of working more but doesn’t want to, yet she doesn’t want to change anything. This chick pisses me off😂

[@chaser27]

I've never seen this guy before, but the world needs more people like him. To show real love and be honest with these people is exactly what they need. They probably hate him when they leave, but in reality he is a godsend.

[@frankfrankfrankfrankfrank]

Kids need this to be taught in high school, last year before adulthood. Its almost predatory to push kids into adulthood in a world dominated by corporations that lie to you and WANT you to wind up in this girls situation. I avoided it, but financial literacy is almost purposefully suppressed in kids.

[@dawnieb.7394]

@@frankfrankfrankfrankfrank a lot of high schools ARE now teaching financial literacy, which is great. The trouble is, it's high school. Trying to teach 16, 17 & 18-year-olds about this stuff so it sticks is an uphill battle. It would be even better if, in addition to high school, all institutions of higher learning required a course for every year of studies.

[@estherruth4692]

@frank People are going to be undisciplined morons whether or not they took a financial class in high school. A lot of this stuff is common sense. Don’t spend money you don’t have.

[@frankfrankfrankfrankfrank]

@@barongerhardt I went to high school in 8 different states to 10 different schools and none of them taught anything about financial literacy so there's clearly many millions of students without it

[@joseph7105]

He is just a kid that thinks he has it all figured out. As somebody 10 years older than him, his takes are cringe

[@singingchristian]

If you get $15K from insurance for a totaled car, just go get a $15K used car. No insane payments. No crazy depreciation. Don’t use it as an opportunity to “upgrade”

[@dunkblunk6045]

In a way as fun as it is watching this guy say what we all want to say to these ppl i also find it humbling to self-reflect on my own financial decisions

[@lubnan08]

Same

[@gopnikolai7483]

I think I'm bad with money because I spend ~£50 a month on improper food and drink... and then I see these people and my jaw drops. 16k DOWNPAYMENT on a car... if I financed a car, lost it, then got an insurance payout for 10k+ I'd probably be getting a 3k car and jumping for joy round the room that I got a fat 7k to stash away and forget about till a rainy day or when it's time to start thinking about a mortgage... she just dashes the entire insurance payout AND THEN SOME SAVINGS. What. The. Fuck.

[@apm11221]

Same here.

[@BkSMedia]

When Caleb went in on her, you can tell she's holding back tears. I don't think she really understood just how awful of a situation that she's in.

[@TheGuruStud]

Austin voters don't understand anything.

[@aKjohn8798]

She still doesnt

[@saltybrackishfresh]

This lady is the poster girl for DELUSIONAL Bliss… you can understand where a lot of liberal ideology is coming from when you talk to people like her, when your entire life is subsidized and built on other peoples hard work… you can go down that delusional road into oblivion

[@Slightly_a_Hermit]

I don’t think she understood the budget at all

[@85amil]

I think she’s really nervous and honestly getting a reality check on spot and that’s why we’re getting unsure answers and awkward laughs. I also think she needed a white board while he was explaining so she could see the visual. I really hope she’s doing better financially.

[@caleighchilds1208]

You are really empathetic with your response. A lot of people are just shooting her down. Nice to see some compassion.

[@nozari28]

She talks like a 12 year old, i feel scared for her.....

[@abbeycorbett2099]

I appreciate this reply! It’s actually sad to watch and then read all of these comments putting her down. I’m so sure everyone commenting is sooooo much better than her. We all make financial mistakes. At least she’s going on this show so she can fix her situation.

[@zwicker5585]

@@abbeycorbett2099 this show isn’t going to fix her situation, that’s not why it’s here.

[@Armourduck]

Caleb even says at 20:57 to not make fun of the laugh! Nervous laughing is the most common nervous/anxious response people show when they are put in this kind of confrontational situation. This woman has made a lot of mistakes, but this is the last moment she should be made fun of - it will make other people in financially dire situations be afraid to get help. You don't come on a channel like this if you don't think you've fucked up, we don't need to be reminding her of that.

[@hopelesspandora4195]

i don't understand how these guests are never stressed out about their situation, giggling and acting like it's cute.

[@catherinewilke5583]

She’s hoping to marry someone rich