Using Her Boyfriend Instead Of Working | Financial Audit

[@CalebHammer]

This should go without saying, but please never reach out to the guest- especially in a hateful way.

[@jacobjohnson4763]

Honestly you should edit out or mute it any time a guest shares personally identifiable information. People are nuts and I can only imagine if something were to happen, how badly you’d feel about it.

[@jeffcottrell9649]

@@jacobjohnson4763 Don't disagree, buuuuuttt her last name is in her youtube link, which he tagged in the description. .....As is mine, lol.

[@playboymusicmpr3108]

😮😮😅😅😅

[@somerandomguywastaken]

​@@jeffcottrell9649 I know you Mr Jones😈

[@christophertrojanowski2769]

what is the internet for

[@bjg394]

The boyfriend sent her on the show so Caleb could tell her everything that he wanted to say but was too afraid to say.

[@grenadiadrian]

🎯🎯🎯

[@joshbuie]

More like already said 100 times. 😅

[@ch3rrikiss]

Yep.... Pretty much.

[@ambeggingforwifi4797]

Yes

[@jaqueitch]

If he is afraid to say it to her, he is a Pig Bussy

[@kitt-anne3818]

Really kills the romance when your significant other has to act like your parent for an extended period of time with no end in sight.

[@thesloppyjoes]

Yep exactly.

[@daphne10120]

Facts

[@firefly9838]

Speak for yourself. I like taking care of my woman.

[@Komrade_juice]

My wife has no obligation to do paying work. We prefer division of labour, taking care of the household is a job in itself.

[@aparelhodesoldar7604]

Bur she did the same when he was the one unemployed.

[@elizabethboccabello5119]

I really like how Caleb is a big supporter of mental health, but doesn’t let the person use it as a crutch or an excuse to not work. Yes, anxiety is serious but you cannot let it control your life.

[@MelywoodMedia]

We all had anxiety when I was young but we didn't talk about it, didn't expect to be babied and pushed through it. She's a train wreck producing lifestyle content while living a lifestyle I would never want. Her lifestyle is barely working, whining and being in debt.

[@nomoregunsinthevalley]

Yeah, the only way (sorry to admit but hey we all have our come to Jesus moments) I personally could get out of my anxiety disorder (caused by OCD as I found out!) was when my bf said “either you figure this out or we break up” and I made that bet with him. I was over my own bs as well, tired of my own excuses and gaslighting myself into thinking I was fine. Work on your mental health everyone!!!!

[@ECA-14]

Absolutely. I have OCD and anxiety. I still get up every day, work a job and pay all my bills. There have been days where I feel like crying and giving up but then I just use PTO for “mental health days.”

[@MelywoodMedia]

@@ECA-14 That's what people have always done! We didn't whine and complain and expect sympathy for having normal human issues. I was born in 1962 and was an adult in the 80's. We all had anxiety only we didn't expect accommodation and we didn't cry about it. We managed it as best we could.

[@AnimatedIdiotGuide]

@@nomoregunsinthevalley good for you! I bet he was thrilled you took him on his ultimatum. 👏

[@coreyvaughn-patterson2668]

WE NEED COUPLES SESSIONS! Like a once a week special segment maybe but that is the next evolution of this channel i truly believe.

[@lP1Axl]

Also be a 4th video of the week

[@Aristaifly]

A week ago I'd be agree with you, now I think it could be a)people will close off and stop talking or be open about their situation, b)will argue. I can see that if the bf was there they'd start argue as 'I told you so' or 'Remember the time when you're off work and I helped you'. This is next level of stress control that caleb should not prob sign up for.

[@lP1Axl]

@@Aristaifly I think it be the perfect way to really start conversations for couples that financially uneducated I mean let's start with the grandparents of the last episode living off their 22 yr old grandson sooo

[@Aristaifly]

@@lP1Axl they replaced his real parents thou. Sure enabling their behaviour shouldn't be the 22yo priority but taking a washer from the grandparents is embarrassing. You don't know couple's situations. In this episode the BF sent his GF for Caleb to call out the things BF was afraid to voice. Being 3 years together he doesn't have courage to be transparent about it. How would it be more helpful to them to be on the show other than simply your entertainment?

[@lP1Axl]

@@Aristaifly it would be a better conversation of how to save faster and also what debts he has you make it sound as if the bf doesn't need any financial support at all which probably isn't the case

[@misskristinyoo]

Giiiirl go be a custodian at a school during off hours. I tell everyone this when they have social anxiety or want an easier low-stress job with pretty good pay and excellent benefits. You can work after school ends and all you do is sweep, empty trash and clean with headphones in. When I did it I listened to podcasts all night and 0 people bothered me. I am working in my career now, but I swear when I retire I'll just go be a janitor again lol

[@imchris5000]

+ most of the old haunted schools are torn down now since kids cant live without ac 24/7. my highschool had a ghost janitor when he was alive he was known for smoking cherry tobacco. at night sometimes the hallways would randomly get that cherry smell and he was known to knock over mops in buckets if the janitors are not mopping right. its all rubble in the bottom of a landfill now

[@emiliabolsas]

Restocking/unpacking shipments at stores, too.

[@lprice5583]

A boiler operator is a great option, too. They make double what a janitor makes.

[@elizabethallen4353]

Great idea!!!!

[@maam-yj8ph]

Just a fan of this section of the comment section. Graveyard shifts have their perks (and cons).

[@apocalypticice9189]

Caleb's two unbreakable habits. Panda Express and forgetting to scrunch his hair.

[@tim-othy1]

I get it with the Panda Express. I go once a week and get a double honey sesame and double chow mein with some crab rangoons. My fav lollll 😂❤

[@stroterp]

Can someone explain the hair thing to me? I’m 38 and might be too old for whatever that is.

[@helena3631]

Lol right

[@tim-othy1]

@@stroterp hair scrunch, it’s just a hair style and you have to look presentable for the camera 😂

[@Tulip90XE]

@@stroterphe has curly hair and in order to manage it, he uses hair products. After the hair dries, you scrunch your curls to soften your hair

[@danny__boy]

If the BF is too scared to tell her what caleb is telling her to her face, theres no way this relationship is gonna last.

[@sarahtaavetti]

Maybe. Maybe not. Personally I feel it’s better for her to actively seek help and act upon it rather than him just telling her what to do.

[@candy2325]

He probably told her a million times and putting her on the show was the last resort

[@janeandrews1790]

Sometimes you hear it better from a stranger. Weird, but true.

[@jamesc5751]

she went to culinary school and talks about how she's good at cooking but her boyfriend just makes her a glorified fast food delivery driver for all their meals.

[@BeczaBot]

I don't understand why people don't pursue jobs or careers in industries they are actually interested in because they "don't want to turn their hobby into feeling like work." Soooooo many people would loooooove to have a job they actually enjoy doing.

[@jessicabautista6209]

@@BeczaBot the fact that you are good at something doesn’t necessarily makes you passionate about it. I love cooking for my family and friends, I do not love the idea to cook for strangers, with pressure, critics, and long restaurant shifts.

[@silverplug]

That's an ouch in four parallel dimensions.

[@plathiasjenkins1011]

I got a pretty good laugh out of that comment! It sounds spot on for their situation.

[@annjacobs8144]

She’s Uber eats for her boyfriend.

[@edgarvalenzuela3604]

I'M A SALES MANAGER AT A DEALERSHIP: My recommendation: keep the Corolla, they are super reliable if maintained properly. Work your butt off and pay down the car debt ASAP. Interest and prices have skyrocketed so you'll most likely get a cheaper payment but purchase a sh***y vehicle. Grow up, get a job, and stay there. Mental health is an issue but you can't run away with situations get difficult. Get to the point where you BF doesn't pay anything for you. Shoutout to Caleb for the episode.

[@willmorrisette]

This would be a great episode if both of them came on the show, especially since the boyfriend loves the show. Would love to see Caleb grill the boyfriend on covering a lot of her expenses.

[@joshbuie]

As the boyfriend of Taylor I would love to do this #Caleb4life

[@TheBlankTarantula]

​@@joshbuie grow a backbone and get a woman that isn't a drain bro lol

[@soarraos]

I would love to see some new segments on here like that. A couples audit or a look at people's past finances. Just to name a couple.

[@misslola145]

@@joshbuie why didn’t you go on the show too?

[@DsgSleazy]

@@mikes.4855 He's a man taking care of his girl. However negative that may be in this particular situation, it is typically a noble thing to do that most men dream of doing for their partner. The fact that you seen someone like that as spineless seems like a projection on your part.

[@MeghanGraceDIY]

I love Caleb shutting down the 22 y/o bs…”used to almost dying?” “No used to how the roads work” it’s just so needed sometimes

[@adamseidel9780]

This video doesn’t feature an adult with an adult life, it features a child who has traded her original daddy for a new one, right down to hectoring her to better herself

[@thegreatpiginthesky3904]

@@Gulpathfinder thank you for your service. You're a true man

[@juanemanuelalmonte6033]

@@Gulpathfinder sounds like the best birthday cake someone could ask for

[@ChrisfromDevelopment]

“I should have brought a cat.” Bish doesn’t even work there yet 😑

[@dogbog99]

Yeah they pull out these bullśhît excuses all the time, yeah I don’t like driving either but I do it because I have to. Weak excuses.

[@kendallosborn2514]

Officially credit card debt free and now working on the stupid car debt. Thank you Caleb for lighting the fire! Great video like always

[@scs368]

1 month behind you! Next month will be CC debt free and then focusing on paying off my car. As some one doing the same, just wanted to say good job and keep it up!

[@mizkarib]

Congrats!

[@jdek88]

Nice job bro. Keep it going. It's worth it.

[@JayyKemp]

Literally on the same timing, just paid off all credit card debt and working on the car as of yesterday

[@Akwardred]

Goals!

[@dorianearnest4648]

This past pay period was the first time I haven’t pulled from savings in months and it’s due to this show, thanks Caleb

[@xxtoptankxx6873]

NICE! Its progress and good solid progress!

[@eliseg0001]

Congratulations!! Wishing you a great financial future 🎉

[@icestationzebraassociates2460]

Good job, Dorian! I haven't used credit cards in months - I find it's a good tactic to imagine Caleb giving me the look.

[@alexpietsch7997]

Congratulations! Step 1 to building wealth is stop digging your hole, and you did it!

[@meredithmitchell4264]

I honestly LOVE the idea of a grocery bill audit! That would be so helpful!!

[@2BachShakur]

Relying on a boyfriend for financial support, without being married, is so profoundly stupid.

[@cato451]

Why would being married change that?

[@beth3535]

Well said.

[@2BachShakur]

@@cato451 Because he could just choose to leave her at any time, maybe even on a whim, with no repercussions and she would be completely screwed because she’s not financially independent. Whereas, if they were married, there would be a court settlement of some sort following a divorce, and she would at least collect something out of it. Marriage creates legal repercussions for abandoning your partner and potentially entitles one or both persons to some amount of money.

[@Freerunemem]

​@@cato451 Because Marriage is a promise to take care of eachother for the rest of their lives. Breaking that promise causes all kinds of legal issues.

[@cato451]

@@Freerunemem and making the promise regardless of marriage is meaningless why?

[@adamseidel9780]

She had me until she used “one way roads” as an excuse why she can’t work. That’s a new, especially pathetic one.

[@AfterCoffeeWithJess]

isn't a two way road scarier? i am so confused at that one

[@theFithWheel]

It reminds me of the people who give you too much information and tons of ideas to basically hide the fact they are all excuses. No all ages are the same, but in my group of friends it's their siblings living at home still.

[@randomchannel323]

@@AfterCoffeeWithJess They're only scary on mountain bends because you can't see the car in the opposite lane coming

[@pennyblackpesic6949]

Totally understand trying to drive with google maps and it not being clear on where it's safe to turn and what is one way, I curse Google daily while doing deliveries. I drive for a living, but I haul freight long distance. I'm directionally challenged and can vouch that it's harder to deliver in town than to drive from NJ to San Francisco, CA in 3 days. Not everyone is cut out for Uber. If a job makes me cry and live in fear, I wouldn't volunteer to do it either. Have you driven in Austin? The only place worse and more congested with traffic daily is Toronto Canada. Even LA and NYC are easier to navigate at rush hour.

[@B3ans0nT0ast]

She has anxiety. It's silly but it's still valid

[@skidiggydiggs4529]

Shoutout to whoever does the pie chart visuals. It really helps put the budgeting allocations into perspective. I would love to see more visuals like that for us and the guests, especially since they can help us visual learners. (Maybe a visual for the timelines for paying down debts?) Excellent video, as always! 📊

[@funnytime1111]

I second this!! More visuals for the financial breakdown and debt payoff would be appreciated. Appreciate all the hard work the team is doing for us financial dumb dumbs

[@kierstenbrowne]

a visual timeline i think would also help those on the show, like her asking for it written down.

[@mandypdx]

I dated someone who couldn’t contribute his share or be self sufficient. I stopped traveling and doing other things I could afford, because didn’t want to pay his way too. It eventually drains you supporting another adult (not married, no kids or pets)

[@hollygolightly1750]

I just paid off the last credit card debt I had a couple days ago and it feels so ridiculously amazing! Still a lot to tackle (student loans) but man, getting control back is everything 👍🏼🙂

[@Inumiru]

Step by step and day by day. That's all you can do. Keep moving forward and you'll get out of the hole in time. Trust me, I'm in that same hole.

[@PCLHH]

Congratulations! you got this, keep at it!

[@tiznah]

Caleb I’m calling it, you’ll have 1M followers by 2024, I haven’t watched a channel religiously in years. This is too good

[@seamorebutts3298]

Welll… this aged very well

[@kunknown2340]

Yes it did age very well.

[@lJ0blixen]

He is now at 1.58 million

[@neutral6175]

I see Caleb upload I click, simple. Road too 500k!

[@marios3202]

I'm so tired of hearing 20-somethings blaming "social anxiety" for why they have no work ethic. Stop it. You're an adult. It's up to you to support yourself. Enough.

[@Baileybobb]

Caleb, you’d probably pass away if you saw my debt. In January I had $21500 cc + student loans + car. I work 2 min wage jobs but I found your videos and now I have only 17300 on my cc and have paid down a lot more of my car! (Luckily Canadian student loans = no interest) I still feel like I want to puke, I was WILDLY irresponsible through my ENTIRE 20s and something clicked in my brain when I found your videos! I know I’m late for retirement savings but thank you thank you thank you! After 2 years I’ll be debt free and then hopefully my frugal habits will stick and I’ll be able to save at the same rate :)

[@WallhacksYT]

do you know the APR on the CC?

[@DevHazy]

🎉🎉🎉 good on you

[@CharlesAPetitjean]

Go crazy on that cc balance. Keep it up (or should I say down)!

[@BelArtist]

Hey look at you goooo🎉🎉🎉🎉😊

[@NathanHedglin]

❤keep it up!

[@eliseg0001]

I watched a friend’s relationship end bc one was about to graduate college and had a job lined up and the other had been working the same low-paying job for 5 years and never wanted to change. Eventually finances and career goals can break a relationship so it’s healthy to be aligned!!

[@therealmouseymouse]

At 22 my life was insane. I was always broke and I didn't have financially responsible people around me. But I also didn't have any debt. I didn't have a credit card in any form. And I am so grateful to younger me for that. My life is in an amazing place now because I stuck to my gut and didn't get into credit cards. I knew I wasn't a credit card person.

[@1bntcr001]

I would still get a credit card, but pay it off every month. NO EXCEPTIONS. Only use it when you have the money in your checking account. This will come in handy when you need a good credit score to get a car loan or house loan. Just be disciplined. This is what my parents (both CPA's) taught me to do. About 8 years after having a credit card, and I've still never paid any interest on it.

[@loganpeterson9756]

Glad to hear it mouseymouse 🐭

[@damanipage5990]

Then how will you build your credit score?

[@VirusZero0140]

Credit cards are good. I remember when I used to think they were "bad and scary," but since I've opened a discover credit card back in 2018 I've gotten over $1200 in cash back. Straight to the bank account. Never paid any interest. No annual fee, so I got free money.

[@WallhacksYT]

if your not a credit card person it must mean your impulsive, if your impulsive with a card that's gonna be the same with money. You need a good credit score these days to get approved for anything, don't just say in not a CC person. Be responsible please

[@YellowStarrx3]

We don't even give Caleb's videos 5 mins. Lol We stop everything and immediately binge. 😅

[@animegeek3109]

Ong

[@Account-br9kc]

He lied in the title

[@lP1Axl]

I feel we need more videos

[@Troonielicious]

STOP,hold it in, drink water, walk do something other than stuffing things in your mouth

[@heyu9225]

@@Account-br9kc how so? She literally had no job for a couple months and the bf was paying her way, sounds accurate to me

[@mckenna_L_]

This channel taught me how expensive fast food addiction is, there’s always so many green highlights that are just crap food

[@Pandefly]

As someone who just went through a breakup with someone I moved in with, living with your SO makes it even more important that you have an emergency fund. I now have to move and I’m looking for a new job at the same time, but at least I know I have the money to take care of things in the meanwhile. I can’t imagine how much more stressful it would be if I was going through this AND didn’t know how I was going to pay for it.

[@ciandoyle3315]

Simpery is out of control these thirsty losers are out here enabling sloth

[@emilyorton6304]

Good point about the living situation in early 20's. I rented a large walk in closet where I had to go through my room mate and his girlfriend's bedroom in order to get out. Later I rented a friend's couch in her studio apartment for almost a year. Was able to pay off all my student loan debt, never went hungry, and was even able to build up emergency savings, and ended up with a lot of interesting stories! At the time it was sometimes fun, sometimes awful, but it was worth it to have more freedom later in life.

[@maxafc4695]

I think you need to start every episode by asking them what they would rate the financial literacy out of ten, as well as their financial situation

[@candy2325]

They’re doing this now 🎉

[@DevHazy]

Omg bump this

[@Naatta]

Caleb, your shirt made me smile this episode. It reminds me of a bumble bee in the sunshine. Also I'm glad she kind of explained about how her boyfriend had been without a job for a while and she covered him in that time so now it's more of a payback situation. But I do like that he calls her out on the spending too much. This one sounds like the has a good enough support group to really wrangle the extra spending. Here's to hoping! ^_^

[@H.A.L96]

I thought he look like a candy corn.

[@Naatta]

I think his shirt choices is like the hair scrunch, a signature move. 😎

[@WallhacksYT]

lol I just posted a comment about how his shirt reminds me of the old Bannana/strawberry Trix yogurt 😂

[@BelArtist]

@@H.A.L96😂😂😂😂

[@mochi_salamanders]

Caleb you are literally saving me financially!. I have never been reliant on someone else like this but I DO see some of my bad habits in these people, especially with their blindness to their own bad habits. It's like an actual full fledged delusion and it's helping me see through my own bullshi#. Ironically it's easier to see in someone else! THANK YOU😊

[@winry2357]

I have social anxiety and some jobs have made me uncomfortable over the years. Before I quit, I always had something else lined up because having no money is more terrifying than being at a job that gives me anxiety. I legit applied at Amazon in a moment of desperation because they’ll hire anyone with a pulse and they paid well enough. I then had a manager there try to tell me that I was not allowed a paid 15 minute break and I had to go to HR about it. I still didn’t quit there until I lined up a job at FedEx, who also will hire anyone with a pulse and was a much better job. I’d feel so super vulnerable if I were living off a guy with no legal responsibility to do so. Now, I’m a power plant operator, which is really good money and I only have a handful of guys I must interact with on a daily basis and no public to deal with. Dream job.

[@AnonymousInvestor0]

Don't you just work at an automail shop?

[@FK-we1dp]

Sounds lame, get over it.

[@winry2357]

@@AnonymousInvestor0 hahaha! I wish! The technology isn’t quite there yet.

[@winry2357]

@@FK-we1dp get over what? Anxiety? That isn’t something you just “get over”. I just also don’t pull what this girl did. I won’t ever quit a job unless I have another one lined up. That’s the responsible thing to do.

[@FK-we1dp]

@@winry2357 no not anxiety! Smoking weed.

[@gabbyreynolds4092]

Just wow. Her boyfriend is very very patient. She seems very sweet but she definitely needed this reality check.

[@Marte0107]

I cried 2 or 3 times at both my serving jobs in college. Tbh I think a lot do at some point. And I am a major introvert. What did I do? I took a break, calmed myself and went back. Jobs where you have to be ‘on’ like that are tiring but yeah, still served my entire way through college 😅

[@anayabrown6825]

I actually think moments like that are what helped me overcome my social anxiety

[@TQFMTradingStrategies]

Work is blood sweat and tears. If the job isn’t heavy or dangerous it’ll probably make ya cry.

[@derekgardner1861]

Just got to be tough and not let things get to you. At work be a professional robot and soon as you clock out just factory reset because none of that matters. Unless it's an actual career....

[@kathyk2777]

I've cried many times over the years at work. You're spending your day with co-workers or bosses you'd never choose to spend an hour with. I've cried in the ladies' room, my car at lunch time, or if it's at the end of my shift I'll sit in my car and let it out before I start the engine, so I don't bring it home. Let it out, collect yourself, then go back in. Never let one person stand in the way of where you someday hope to be. P.S. Never depend on a man for money.

[@irvinethegod9030]

You sorry btches cry. I get petty till the customers try to attack. Then I throw hot coffee at em and claim self defense.😂😂 Guess I handle anxiety differently. I touch my hair to drop a strand in someone food( I stop washing my hair for a while for a reason)😂😂

[@palace927]

I have a neighbor who has been doing this to her boyfriend for the past 10 years. She's 56 and is going to have nothing from Social Security and nothing to retire on. She owes 8K to the IRS from a job she had for 1 year in her early 40's and they call her every year stating, " Go get a job ". She was homeless at one point in her 30's living in her car. Some people, you just can't help.

[@lyfelearna]

You need to start minding your own buisness 😅. Nosy neighbor af

[@emclaire18]

I know multiple people like this. Just drifting through life with no motivation, no goals, nothing to show for their 30, 40, 50 years on this earth. Very sad situation, but definitely not society’s problem/fault.

[@dajosh96]

@@lyfelearnawith the amount of details this commenter knows, it sounds more like a neighbor who way overshares

[@palace927]

@@lyfelearna She told me these facts. I don't speak to her anymore because she's as lazy af. You're probably just like her and using your partner which triggered your response.

[@winry2357]

@@lyfelearna some neighbors over share. Big time. Talking to mine is like getting caught up on whatever soap opera is popular at the moment. I almost wanna ask her to pause so I can grab some popcorn. Yesterday she informed me that her boyfriend’s husband is getting out of prison and she just found out she’s pregnant. She then proceeded to inform me that she was going to go get drunk in her closet. Some people are just like that.

[@samquintrall3740]

As a followup episode to this i would love to see the boyfriend come on the show. Would be cool to see both sides of a story so the excuses and choices arent so heavily opinionated!

[@crytkryssus9851]

I want to see the conflict in Caleb's face with someone coming in with nothing but Panda Express as the takeout on their credit card debt.

[@kimguo3095]

Caleb thank you for doing what you do. I started watching your video about 4 months ago and today I'm officially debt free because of your videos and what it led me to learn about personal finances! ❤️

[@bonnuitmonchere]

She’s really sweet, as someone who had to do restaurant work for 10 years with crippling anxiety, weirdly enough, it helped me? It’s absolutely toxic and awful and all that, everyone cried in the walk in at some point, but it did teach me some things and paid the bills. Sometimes you just have to suffer through it.

[@catz7679]

My first job was retail and they were on the fence hiring me because I was too quiet. Fast forward to my current job, one of the reasons I was hired was because I was personable so yes I get it.

[@crezd5028]

Can confirm. It turns boys into men and girls into women.

[@adamseidel9780]

She doesn’t even have anxiety, she just doesn’t like it when anything stretches her a tiny bit or takes her out of her lazy comfort zone.

[@Kevintendo]

@@adamseidel9780 the car thing (stress about roads or whatever) was more evidence that she does have anxiety. Moreso than anyone else has picked up on

[@michinaps]

My anxiety is horrendously bad, customer service sucks. Socializing is draining af. I agree putting yourself in a situation with crippling anxiety helped me face the fact that it's not bad. I get so anxious but now realizing that I have no control. I just continue with kindness and understanding. Easy to say but hard to do!

[@japanesecinema6736]

She is 22. She has plenty of time to get her finances in order. At 22 I was still living with my parents and had very few bills to pay. The fact that she is coming on this show means she cares about her finances enough to make some changes.

[@dahe1352]

Difference between not having your finances in order and leaching off your boyfriend and your family. This girl is pathetic.

[@uncommonfolder_]

Exactly you understand! Can’t believe all these comments are vile. Y’all gotta understand the title for this video is clickbait. Everyone is in a different financial position in life, even at 22.

[@rebeccashields9626]

I guess this is still weird for me. I always was expected to work and pay my debts and go to school and pay for my own stuff. At 22 I had completed my nursing degree, was working 50 hours a week as a nurse, and was living with my parents so I could pay off my car and student loans asap. Not having a job or paying bills or screwing around for years on end was never an option, no one was going to fund me just hanging out and chilling.

[@dahe1352]

@@uncommonfolder_ It's not clickbait. It's exactly what she is doing.

[@leahmcdermott4189]

Right! Everyone is doing the most. At 22, I was half way through uni and was living at home (I mean, I’m still living at home 😭) and not paying any rent. I wasn’t working because my parents wanted me to focus on doing the best I could in uni. I payed for my own expenses but lived completely rent free. It’s not a big deal. They are my parents and whilst I realise I am fortunate and grateful, again they are my parents! I’d do the same. 22 is still super young. The comments are going hard on her 🥴💕

[@Meh_ZA]

*stripped t-shirt exists* Caleb: Shut up and take my money!

[@andreamckenzie8598]

I think that it's also important that, in time, you learn what you can handle and what you absolutely can't. I would absolutely crumble if I were tableside waitstaff or anything that chaotic, but I can function perfectly fine under a relatively structured but incredibly busy retail or food service situation, like working a bar or as a barista. I could never drive for delivery(I also don't drive, but even on scooters and the like), but I can give presentations and all sorts of public speaking. Some things you're just not built for. But you also can't let that stop you from constantly pushing to find what you _are_ built for so you can learn to fund your own life and build your own confidence.

[@magdelineadler4284]

I understand the customer service struggle. My anxiety anxiety actually improved over time through the exposure because there are a lot of kind people too

[@coconutwater4531]

I was a mess at 22 as well. Hopefully she gets more responsible with time.

[@mariguzman7752]

I’m rooting for you girl! I hope you come back on the show and show us what you have accomplished

[@joshbuie]

So do I here is her youtube channel youtube.com/@taylorlaynette

[@fenomfangx]

She'll still be a leach.

[@MrOfficer235]

She’ll find another simp

[@mikes.4855]

you're not that intelligent are you?

[@kyleandramae4488]

Statisticly women tend to be safer with money so I'm confident she will do well

[@TannerMcFarlanemusic]

Fun fact Uber eats is cool with you driving around with your significant other! My wife and I have been driving after work every day making money and still getting to spend time together! Just find a good podcast or an audio book!

[@stewbugz5213]

This young lady is one ex boyfriend away from being homeless. So sad her fear of failing has her paralyzed. She needs to get thick skin at her next job! It’s hard but her life depends on it! Very sad. 😞 Caleb, you did a great job addressing this with her. I’m in my mid fifties. I cash flowed my degree by working two jobs, I survived! Bless her.. I want to give her a big hug and tell her she can do this.

[@budgetnerds]

I would love to see the boyfriends finances! Maybe a double episode with her follow up?

[@BlackNight603]

Just came home from work, it's 5 pm here in Germany and this video is all I've been waiting for

[@Vizzi12]

It’s astonishing to me how much I’ve been binge watching these videos to only come to the same conclusion: it’s all extremely simple math. The state of financial education in the US is bleak 😂

[@778myko]

healthy financial ppl are not profitable, nor are healthy ppl in general

[@Purrkay]

Technically that's true, but culture and mental health also are big influences. A lot of guests know they are making bad decisions, but continue to do so because they have unresolved mental issues that make it difficult for them to make good decisions. That's why Caleb is such a big advocate for therapy; he can help with the math, but not the unresolved mental issues. Edit: Not necessarily speaking about this guest in particular (I haven't watched the whole episode yet), but trends I've noticed across the dozens of episodes I've watched.

[@JonB516]

@@Purrkay mental health? Try living in a country in the midst of war. Americans got it real easy if they just put the phone down.

[@amateurastronomer9752]

I think people know what to do, it’s just hard for them to do it.

[@deborahmeek6529]

It is easy just like loosing weight but both are hard to do because self control

[@DeAndresWay]

If the boyfriend is 22, he needs to drop her. He has time to not get locked in with this girl.

[@ZiekleAblo-ij7kw]

As a women I wouldn’t usually agree but I do in this case she doesnt even know how many miles her car has and she doesn’t understand half of what he is saying …..

[@destinyelle7120]

@@ZiekleAblo-ij7kwWhat do you mean “as a women I wouldn’t usually agree”. 💀 be an individual, why does your gender matter when discussing any opinions

[@DesertMav]

My hot take on this one is to NOT sell the car and to pay it off like Caleb suggested after taking out the credit card debt. Refinancing the loan isn't going to help either since I just bought a new car and my interest rate was 7% with having a credit score well north of 800 so they may not get much better than what they have already.

[@No-sv6mu]

I'm not even going to lie, my husband is our families bread and butter. I stayed home for 7 years with our children (I did babysit during the day for cash) and I work at a school now, but I only bill 6 hours a day for 189 days of school year. I do work some late hours and summer school too. So my pay for the year is pretty low. But he is willing to do more so I can be on the same schedule as our children. May pay is for the fun. Vacations, kids sports, doing fun stuff as a family and any extra goes into investments. It's OK for one person to take on more if needed. What is not ok is for one person to leech off the other and make excuses to not work.

[@elizabethparsons1071]

But that's your husband and you have kids. This is a boyfriend

[@No-sv6mu]

@chesh1rek1tten the way I see it, my husband can retire 7 years before me and I will work for our insurance. Because we are a team

[@amp2193]

" he's just getting my back S0 it really isn't like he's just like paying for everything really like out of like the kindness of his heart 100 percent" 🚩🚩🚩🚩🚩🚩🚩🚩 Keeping score doesn't work in long term relationships...

[@jackiescheid]

If she has a followup episode I really hope she brings cookies and kittens that are availble for adoption

[@thetruthhurts9220]

I’d like to adopt a chocolate chip cookie

[@joycef8443]

Truth, you would probably just eat it! No training, no cookie toys or a cookie bed…

[@Madkalibyr]

Yes I so support this ❤ I wanna know how I’d get a job being a cat adoption specialist!

[@joshbuie]

I'll remind her to bring those next time and link the place she works also for all who are interested

[@jackiescheid]

@@joshbuie Awesome! I look forward to that. I hope you can appear on the episode too! That would be cool

[@loan-shark]

Caleb is going viral! Natural youtuber. Congratulations and keep grinding regards 🇳🇴

[@MegaNaydan]

Caleb, love the show but I would love to see what a financial score of ~6-10 would look like. I know you're prioritizing people who need the help the most, but maybe a break down of what a good budget, savings, and debt situation would look like for a couple different salaries/pays? Just a thought!

[@danni6257]

There are people who Caleb has had on the show that have higher financial scores, too 😊

[@katelynnuckolls1675]

I think part of the goal of the show was having people back on and having an improvement buuuut I don’t think any of them have made much improvement

[@josephbrown9685]

@@katelynnuckolls1675 If I recall correctly, he mentioned in a recent show that very few had improved their situations significantly, though I may have misunderstood.

[@DevHazy]

I want tooooo

[@tomho2388]

Would you consider uploading the audio to Spotify? I don’t know how popular this would be but I’d happily listen to your episodes on my walks

[@picadosinferno]

BF is a enabler, and she's using him as a "cushion". Both need therapy.

[@SilverWagonStudio]

Since this is basically a video podcast, would you ever consider releasing these as audio podcasts? Thanks for these videos. Always a great kick in the butt.

[@cliobhabie]

She needs a dad and is very privileged. At 22 I would’ve loved to quit a job just because it made me cry😂

[@rayna463]

What I’ve learned from watching your video from the past couple months: have 0 debt, invest each month for retirement, and have an emergency fund. I feel like that will set you up. And don’t overpay on rent. Don’t eat out excessively. 😊

[@joshpiotrowski3487]

Also buy and outright own an old shitbox car. Buying tools and parts to fix it is so much cheaper than taking it to a shop, youtube will teach you how to do almost anything on a car.

[@DevHazy]

@@joshpiotrowski3487 my parents never had car payments. I got lucky learning that as a kid

[@joshpiotrowski3487]

@@DevHazy when something depreciates 30 percent once you purchase it, it's a bad deal no matter what

[@yencha6524]

She really said shes not swiping the card just using it online 😂😂

[@Erepk]

“I don’t really swipe” 😅that killed me The point➡️ Her⬅️

[@Hewrin88]

I wonder people in other fields will do something similar, like a fitness influencer doing a workout audit or a nutritionist doing a food audit.

[@fendybendy6466]

There are already videos like that haha. There are fitness youtubers who do reviews of subscribers form. I think i have seen videos of routine reviews too

[@reginayfavors]

I come to Caleb's channel to sober up financially. Thank you!

[@josh______1]

Love how you don’t waste time and get straight into the content

[@colbypitts8483]

Super happy with the constant upload schedule!!🙌

[@ajmarion]

Can’t believe a few months ago you were aiming for 50k subs!! Great job Caleb, and great videos!

[@Caffeinatedwife]

Every time I want to buy something I think of a financial audit video and evaluate whether or not it's necessary. 8/10 usually don't buy it.

[@Jch833]

“If a job like, makes me like, feel stressed because I have to like work and like stuff, I just like quit immediately and stuff.”

[@danielpires8139]

I’m in my mid 20s with no credit debt (anymore) and little to no student loans and live in NYC making almost double the medium household income. I appreciate my position in life so much more after watching these videos and seeing what others have to go through. I know we don’t live in a perfect world but there’s a part of me that wishes we can all live the lives we imagined for ourselves without having to worry about money :/ good luck everyone!

[@alanbixby]

15:40, look into Ally's spending buckets, it's exactly what you are describing you want. One checking/saving account, and funds can get automatically allocated to each type of spending. No overdraft fees if you overspend a category since it's still one account (in addition to the fact Ally doesn't do overdraft fees anyway).

[@Coral1000]

She reminds me of my sister in law. Dear god. Damsel in distress, making excuses not to get a job and actually work, and feeding off the boyfriend. They’re the type to be lazy and expect to live off of someone else. I hope her boyfriend stops enabling her. I have anxiety and depression yet here I am working, paying my bills. A work from home job would be a great option.

[@emiliabolsas]

Yep - customer service hires remote workers all the time.

[@kikiTHEalien]

Did you miss the part where she was paying boyfriend's bills when he was unemployed?

[@NachoAE360]

@@kikiTHEalien of course they missed that, they just see ‘woman not working’ and get all upset lol

[@kikiTHEalien]

@@NachoAE360 But, but, I thought men wanted tradwives. Isn't the man supposed to pay for a woman's virginity for the rest of his life? What happened to good oldschool ways and values?

[@Coral1000]

@@kikiTHEalien I watched the whole thing and definitely didn’t miss that excuse. And he sent her on here for a reason. Unless the partner is rich rich and can comfortably provide- neither should become complacent. If not, both will drown or one will drag the other down unless both are bringing in money. The tradwives should be for men who have money.

[@TriHard612]

I don't think trading in the car or trying to sell is the best idea. That car with low miles is pretty reliable. It does get to me every time Caleb say "find a mechanic you trust". Easier said than done. Usually end up with whoever is biggest/close. That with a cheap car can turn into a money sink very quick. Also, $260 a month in car insurance? I would look at that. Either/and no deductible and very high coverage that probably is not needed.

[@rebeccashields9626]

I agree. Her car isn’t crazy, if she goes lower she will start having serious mechanic bills. She just needs a job. And not a silly little cookie job, like a real actual big girl job.

[@k20z3keith7]

A financed vehicle is usually full coverage. That with a low deductible like 500.

[@emilybrown1332]

Oh man. I just broke up with my boyfriend and this really hurt to watch, because this woman has his exact attitude towards money. His refusal to take any advice from me re: finances is a big reason why we drifted apart, and by the time he started taking baby steps to change, it was too little too late

[@cielo.y.suenos]

Husband and I are a few months into our financial journey!!! We will literally fly to Texas to be on Financial audit!!! (We’ll budget the tickets of course) 😋

[@bhnurse16]

I make significantly more than my girlfriend does so I do tend to pay for things more because I like to do that for her. We're moving in together soon but I can't imagine one of us not working and the other just pays for everything...Home girl needs a steady job and boyfriend needs to stop enabling lol

[@NathanHedglin]

Yeah same. Ex wife refused to work or get a driver's license. Absolutely adult baby

[@daniellebittner13]

I really hope she come back for a check in! I'm rooting for her and I think she could be on her way to a better situation in a couple months, and I'd looove to see that!

[@Madkalibyr]

I think she’s going to be alright , she’s got some issues that are interfering with her success but I think she’s going to be okay ❤

[@thistles]

Yes, I was less than impressed at the start of the vid, but by the end I'd come around. I hope she and her bf have a good future together.

[@eberz88]

Hi @calebhammer just know I grab my Bose headphones and I start cleaning when an episode comes on 💁‍♀️ multitasking queen

[@thevictoriagoogin]

@42:04 literally watch her face say I have no idea what he just said. But girl you can do this! You really don't have a huge hole to dig out of, keep it that way. Once the job kicks in STAY ON TRACK & be in the most amazing position that most 24-25yr olds would wish they were in!

[@Tozzie50]

I didnt see it that way, i think she just easily switches her facial expressions because of nervousness and pressure to feel serious. You are sweet to encourage her :)

[@juancarlosdelgado7791]

Basically he runs the house, pays the rent, enables her for an immediate future of low self control and self steem.

[@randomchannel323]

I wouldn't be surprised if he dumps her

[@Creshendo680]

Ahhhh, Caleb hitting us with that Friday morning GOLD!

[@Ram-ey2pr]

Caleb you're a beast. i might need to join the show soon. probably raise your blood pressure on all my insane spending habits

[@omotayosatuyi252]

Oh Jesus

[@haleymist09]

Do it! Lol

[@Sensimuse]

Almost threw my phone when she said she tried to download Mint but it was too hard and not user friendly. Crazy how easy it becomes to make excuses once you get in the habit.

[@heathergray9195]

Weaponized incompetence isn't just for men.

[@rosemarywilliams9969]

Yeah I do the same thing for my boyfriend and some times I feel like I'm making things worse🥺. But I know he feels like crap that I am paying for everything, so we made a budget and a 3-year plan for us to be debt free. I know I will be debt free but I do need to stop paying for everything or he will keep leaving jobs that make him feel like crap. I hate my job but I stick it out for years in order to pay all the bills. This show is opening my eyes to my money issues.

[@thegangsterhippie]

Sending you strength and love. I don’t know you and I might be stepping over a line with my comment but it’s upsetting for me to read that you are currently sacrificing for the relationship and your partner seems to be primarily focused on self. He is in a partnership, his actions affect you too and you DESERVE to feel that he has your back and much as you have his. ❤

[@destinyelle7120]

Your boyfriend needs to grow some balls

[@derekrosas1593]

I think too many people lean on anxiety and other stuff like that. Literally everyone has anxiety. The world keeps turning regardless

[@Princess.McBetch]

RIGHT. But we get called assholes for calling it out. I have terrible social anxiety, my first few jobs were restaurants and retail, I worked directly with the customer. I was *always* stressed out and felt incredibly awkward but it's something I need to deal with, not an excuse to not have a job. Such a weak excuse

[@anncromarty2590]

Agreed. Anxiety is a human emotion you feel when doing a new thing you aren't sure of. If you don't run away and cry, and just suck it up and do it anyway, then you build confidence and the anxiety goes away. But so many 20something yr olds choose to run away and cry. If they do this over and over again, they convince themselves they can't do anything at all. Wtf happened to create this? I'm 60 btw. Is this a parenting thing or has our culture just made it ok to give up on yourself because of an uncomfortable feeling?

[@derekrosas1593]

@@anncromarty2590 to be honest I'm not sure. I know a lot of folks nowadays are being prescribed medications for these things instead of being taught how to cope and overcome. It seems to be the new norm to just prescribe a brain altering substance. More and more you hear of folks using anxiety as a crutch for their inability to deal with stress

[@derekrosas1593]

@@anncromarty2590 I'm currently 28 by the way.

[@MegaJburd]

Every day I have been catching up on your vids is every day I don’t eat out to help with budgeting. Thanks man. You should audit my dumb face.

[@shapri1115]

Caleb you need to let your guess agree to have an accountability partner, so they can stay on track after their meeting with you. This is something you should seriously implement.

[@STOPPEDINCOLORADO]

Their accountability partner is the realization that they’re driving their life into a financial ditch.

[@babythebullytv]

@@STOPPEDINCOLORADO well said

[@mikes.4855]

An accountability partner won't do shit. Some of these people are an emergency away from being homeless. If that isn't enough "accountability" then a person nagging them won't change it.

[@ivanamaryelle]

She might benefit from using a card like qube that is like a digital envelope system. It helps with separating expenses visually and she would need to approve each purchase before it goes through so it helps with accountability. It’s $5 one time payment to get the card but it might be the best

[@missovercomer2488]

Living with my partner as well who pays the bills while I work part time. It's not an ideal situation, and yes, I know I need to get it together, but there's a difference between trying and not trying at all to change your circumstances.

[@nocigar7730]

Don't coddle your children - they grow up helpless, clueless and completely dependent. That is not loving your kids. Daddy / boyfriend wont always be there to save you, and then what?

[@emilyau8023]

I was somewhat "coddled" growing up and I make more than the average college grad. By that I mean my parents didn't force me to work and they supported me. It's a personality attribute and outside studying of financial literacy that can make a difference.

[@noahenglert]

she's literally just realizing that her and her bf will not last forever and she still doesn't care🤦‍♂️

[@emilyau8023]

...? Did we watch the same thing. She mentioned marriage is on the table.

[@bermudezk12345]

working at a bank for the last 5 years, hearing someone refer to their checking account as their checkings hurts my brain.

[@bermudezk12345]

Imagine hearing it over and over and over again multiple times a day! Lol I’ll emphasize that it’s just checking when referring to it on purpose to see if they catch on

[@girlygirl1890]

@Keith OMG LOL! 🤣🤣🤣🤣😂😂😁😁😣😣

[@DeadLkeMe]

I mean, if y'all want to be technical, "checking's" still works grammatically. Checking "owns" the account so an apostrophe is just indicative of the possession. Like Larry has a car so it's Larry's (in reference to the car). Such a weird peeve to have, especially when you understand what the customer is referring to......

[@BillDaBurgerEater]

​@@DeadLkeMe No, it's wrong. "Checking" is an adjective when used to describe the account type. It's like saying "Bring me red's ball" if you're trying to say, "bring me the red ball".

[@JennyinJanuary]

Same! Caleb used to say checkings😅

[@leahmcdermott4189]

Taylor: “I really don’t spend a lot of my own money” Caleb: “Well, you don’t have money. There’s no money to spend! There’s debt to pay off but there’s no money to spend!” SAVAGE HAMMER 😭💀

[@denisser8974]

I just started watching this podcast about a two weeks ago and since then I have opened a savings account and started an emergency fund. ☺️

[@VinceGerard]

Just discovered this channel last week and it's been so informative and entertaining and might have also pushed me to slow down the bs spending..... and also I paid off a credit card! thanks for the consistent content!!