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

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[@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.

[@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.

[@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.

[@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

[@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.

[@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.

[@Dmc10596]

Most life coaches are full of shit it’s a sales position

[@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

[@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

[@immune85]

Same, just showed up. Turns out my friend from Michigan knew about this guy, dunno why he hadn't mentioned him. 😮 This is great. Idk how real it is, but still.

[@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

[@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.

[@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]

😂😂😂😂😂

[@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…😂😢

[@dobertjowneyrunior3023]

@@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

[@alexsteven.m6414]

I sometimes wonder how successful investors manage to accumulate enormous wealth from their investment endeavours because I am an avid investor. I currently have equity from a recent house sale that exceeds $545K, but I'm not sure what to do with my money next. Is now the right moment to buy stocks, or should I wait for a better opportunity?

[@brantheeskimo]

The current market conditions may provide opportunities to increase revenues swiftly; however, experience is required to carry out such a plan.

[@PennyBernadette]

Many people minimise the importance of counsel until their own feelings become overwhelming. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm solvent. I looked for licenced advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.

[@belobelonce35]

That does make a lot of sense; you appear to understand the market better than we do. This coach is who?

[@PennyBernadette]

Rebecca Nassar Dunne is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@mariahudson9939]

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

[@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

[@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

[@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!

[@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.

[@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

[@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

[@michellewitt2071]

@@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 …

[@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”

[@shawnmichaud4484]

The only thing that helps me feel less sick watching this is the fact that she somehow agreed to try and get some help. I hope she can turn things around.

[@Dakarn]

That was a lie. She's immature. She heard him say "No fun" and her entire demeanor changed. She shut him out, and her "mmmmmm"s increased exponentially. That, to me, indicates that she shut him out and stopped listening.

[@shawnmichaud4484]

@@Dakarn I meant her being there to begin with.

[@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.

[@Diemf74]

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!

[@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

[@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

[@SoniaAmithEin]

Great thoughts and ideas. However, many here should know there’s no shortcut to acquiring wealth, but there are ways to go about it. Fellow millionaires don’t tell the poor/middle class they need the knowledge of finance coaches/tutors for optimal growth.

[@KaydenMarcos]

I need a good finance coach, do you know one

[@SoniaAmithEin]

EIizabeth Greenhunts She’s top

[@KaydenMarcos]

Good I got here. Big Thanks

[@DennisMaddox3]

Many here needs this lnfo. Good stuff

[@TomBraxton9]

Kudos

[@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

[@abbochan4372]

i’m 29. i have no debt but i also live paycheck to paycheck. HOWEVER, when i watch these, i realize that i am nowhere near to being down this bad and it makes me feel so much better 😅

[@4NaturesStory]

Always room at the top. Nothings out of reach. Tomorrow you can have it all. Never work pay check to pay check again!

[@philip9823]

@@4NaturesStoryGee Wiz! That solved everything! Thank you for your wisdom!

[@4NaturesStory]

@@philip9823 lol, well shit…Im trying! 🤷🏻‍♂️ I always want to see others do well. I’ve been there and my life sucked until I “got it” 20yrs ago when I was about your ago, assuming you’re in your 20’s. Im self employed, usually always home and get to see my wife and daughter everyday. Im not rich, but I do work less than 1/2 the year. This is what I wanted more than anything and now I have it. I’m blessed. And so are you!!

[@ayeyobossman6151]

@@philip9823he’s so helpful!

[@Mochiii26]

You’re such a nice person. Literally using other people’s misfortune as a way to make yourself feel better about yourself. You didn’t have to make such an unnecessary comment and shit on other people’s lives. That’s great I’m so proud of you! What an achievement you live paycheck to paycheck. Don’t get too cocky your one illness away from being homeless or out of a job. Never use someone else misfortune to boost your ego. You’re disgusting.

[@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.

[@momojett]

That was intense...any chance of a 'where are they now' follow up?

[@WadmanP]

This video was posted a year ago so my guess is she's made zero progress. Her monthly payments don't even cover the interest! I'm guessing all her cards are 25% or higher!

[@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

[@allygonzalez7206]

@@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

[@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]

😂😂😂😂

[@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

[@unruffledduck]

I get it, I've been where she's at, and visit often. I really appreciate her vulnerability and his direct clarity. Thank you both for this video!

[@marks2997]

Never underestimate a man’s ability to excuse a woman’s bad behaviour. Take your hand off it dude.

[@magicaree]

This is the best damning exposure of the life coaching industry I’ve seen yet

[@Timbo360]

Her using “life coach” is actually a euphemism. She charges people to give them happy endings and other adult activities.

[@Alexander-fr1kk]

I was curious if she was an adult ‘performer’… poor critter

[@keyfiender799]

I actually knew a few people who didn't know what they wanted to do, so they became life coaches 🤔

[@123chargeit]

@@Timbo360 Did you catch how see was sleeping with the guys in exchange for doing her taxes? Or at least she seemed very hesitant to tell him what she was "trading" for him doing it.

[@karlcarlsburg9641]

@@123chargeit yeah, found her pornhub account. Lol

[@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.

[@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.

[@realfake8269]

I saw a girl of 27 becoming a life-coach who couldn't get a relationship, had only 1 in her life on the internet as he was overseas. She was fat and socially awkward, living with her parents. And the next year I met her, she became a Life Coach. I still can't believe it.

[@ethanku]

This one is an escort

[@realfake8269]

@@ethanku Oh... god I didnt realize it

[@riseandshine75]

🤣🤣🤣

[@WadmanP]

@@realfake8269 Not just any escort but a grand an hour one who books and travels internationally. Her $80k is just for tax purposes. Her real income is staggering.

[@thehammer3695]

@@ethanku do you have anything to back this claim up or is the source: just trust me bro

[@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.

[@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

[@alexanderblady2963]

Not this episode particularly, but this show has helped me be more aware of my own spending habits and helped me catch things before they snowball. Thanks for this series, always entertaining

[@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.

[@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!” 🤣

[@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.

[@01LucilleAlvarez]

You need to make a video on how to make 6 figures monthly because I have read about investors making up to $650,000 within 5 months and I really want to know how to outperform the market and make a significant profit

[@MakaiTruong]

Everything is possible, it all depends on your consistency and discipline.

[@MercyDaugherty431]

It is essential for you to have a mentor to keep you accountable

[@ChanaMay]

Best thing is to carry out extensive research and be on top of current events. Know how current events can alter share prices and apply logic over your emotions. This is what worked for me. Best of luck

[@GunnarBlankenship]

Even with the right technique and assets some investors would still make more than others, as an investor, you should’ve known that by now, nothing beats experience and that’s final, personally I had to reach out to a market analyst for guidance which is how I was able to grow my account close to a million, withdraw my profit right before the correction and now I’m buying again.

[@BruceSellers422]

My partner’s been considering going the same route, could you share more info please on the advisor that guides you?

[@iwantacupcake957]

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

[@chad1755]

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

[@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🤷‍♀️

[@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.

[@Emily-pk9bd]

Good on her for doing this. It takes a lot of courage. I hope she can sort herself out.

[@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.

[@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

[@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

[@arikmeinhardt33]

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? 🤣🤣🤣🤣

[@azkabanbaby]

I was feeling pretty self conscious this morning, but this woman made me feel infinitely smarter, so I subscribed 🙏🏻🤩

[@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.

[@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!

[@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.

[@IBRIHAM_THEMAN]

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.

[@321ozzy]

This woman is as much as a life coach as there are honest politicians.

[@WadmanP]

I'm sure many of her clients are politicians like former NY governor Eliot Spitzer.

[@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

[@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...

[@danroak]

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

[@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.

[@M1lk5h31kh]

Oh my god, her “MMMMMMM” every two seconds and before every sentence is killing me 😭

[@ricerocketrider4243]

That “mmmmm” is going to be stuck in my head for the rest of the day…

[@buckrogers-lk3yr]

I keep watching this clip just to see her do mmmmmh

[@Poppy-zm2yh]

​@@buckrogers-lk3yr why??? It literally hurts my brain

[@ShanellIqbal]

That part definitely strikes me every time she does it

[@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

[@marcellom]

She isn't DOOMED Caleb, she's got clear debt on her vision board 😭

[@CalebHammer]

😅

[@perryrush6563]

If it's on the vision board then it's done. Duh!

[@ThnkDfrnt]

Manifest the debt away

[@gabelincoln3608]

Don’t sleep on manifesting every great visualize success-Kobe Bryant

[@joelbeauchesne7017]

she will never change

[@carlossantillan4647]

Did anyone else think "she's an idiot" as soon as she mentioned that she's a "spiritual coach"? 🙄

[@WadmanP]

At first yes, I thought that. But the more she spoke, I realized 'spiritual coach' is the new euphemism for what can be a shockingly lucrative occupation. Yup, she's a high end escort to the tune of a grand an hour.

[@tamucru4604]

He also literally used her pre-tax income when making the calculations at the end on how to pay down her debt. Her situation is much more dire than he even budgeted out for her.

[@Mayo-FNT]

Oh 100% although it doesn’t seem she is paying all of her taxes so she’s gonna be in the hole when the IRS hits her with the bill 😂

[@ericthornberg9377]

Yeah good point, how was that not a massive piece of the conversation?

[@burialdrip723]

I’m also stuck on that.

[@aoceana6742]

Probably because he knows she isn’t going to put money aside for taxes anyway 🥲

[@tamucru4604]

@@aoceana6742 no, he’s just too busy pretending to know what he’s talking about. Kind of like Dave Ramsey lmao

[@alladreamwedreamed]

The life coach who doesn't have her own life together! 😅 this is such a theme

[@4zn1nv4zn3]

LOL oof

[@krassimirpetrov7131]

Always ! Same with therapists that are mentally ill

[@Coastpsych_fi99]

@@krassimirpetrov7131eing mentally unwell isn’t the problem, rather not managing it effectively. You want someone who is empathetic and compassionate - but no-one has to be perfect. There are overweight doctors, broke financial advisors / accountants / economists etc. The science still works and the goal in life is being the best version of yourself but no-one is perfect most of us are a work in progress! Even if someone looks out together be wary. Good luck :)

[@JohnDiDough]

I know a financial advisor that is the same way.

[@earthstar7534]

I think she's a call girl and thats her cover

[@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”?

[@liawilson5406]

What a brave lady to put forward her spending habits and debt to the world to try and find a solution!

[@marks2997]

Lol nice try to flaunt virtue. Bravery requires humility and a willingness to learn.

[@wyrmbuster]

The biggest issue is that she’s in an industry where you need to lie to people to get them to keep spending money. She gets to a point where she needs to convince herself that she’s doing something good for people. And honestly I think that lying to yourself is the worst person you can lie to.

[@yvnerservius1913]

I think her industry has more to do with the physical aspect of spirituality

[@aoki556]

I think you’ve confused it a bit, she’s not a fortune teller or anything it sounds like she’s more focused in wellness and life coaching

[@wyrmbuster]

@@aoki556 I meant that they have to keep spending money to see said life coach. Life coaches aren’t cheap, a coworker of mine almost bought into a yoga/life coach session for 2000 dollars. Assuming she’s charging around the same amount she only really needs to see a couple clients for a few hours a week to make her average income. Honestly you have to be convinced that your services are worth that much to be able to sell it and I feel like therapy works better than life coaches. Especially since it seems like she lives a carefree life since she doesn’t know what a lot of her charges are on her statement.

[@aoki556]

@@wyrmbuster so she’s wrong for providing a service that people are seeking and willingly paying what they also believe it’s worth .. ? like any other service someone finds value in .. whether you personally believe it to be valuable or not should not be a part of the equation here - like where are the lies ? saying these people are liars/lying to themselves or that people who enjoy and consciously seek out these services are being lied to is so rude and also doesn’t make sense lol

[@sandforddyar833]

@aoki I think you got personally offended when he's talking about someone none of us ever met and that isn't you 💀

[@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.

[@Jen-kj5ch]

I would loooooove to see a grocery store shopping trip with these two 🤣

[@jodeemackenzie]

@@smartfella221 I’ve been in to awhile Foods one time because we wanted a specific thing for Christmas dinner. I came out with almost a 200 dollar bill. I can’t grasp the amount of money someone has to make to shop at somewhere like Whole Foods regularly and it not hurt.

[@mary_mary777]

@@jodeemackenzie My coworker referred to it as "Whole Check"!

[@InTheNameOfLife1]

I know that eggs are in a shortage now but I went into whole foods for the first time the other day because it was close to work and a blizzard was coming and their eggs were $10.99 lmao. Still surcharging on a National shortage

[@limeamoeba7664]

CALEB PLEASE TAKE HER TO ALDI

[@channell11]

@@jodeemackenzie Whole Foods, along with similar stores like Lowe's, Fresh Market, Trader Joe's, etc. are all places that you go for something specific that may not be available elsewhere-nice meat, deserts, hard-to-find stuff, etc. My wife went for groceries there once and came back with a $500 bill and not that much stuff. I took over the grocery shopping, lol.

[@PatricKlein86]

These are the types of people who complain that the system is rigged and cry that they can’t buy a house

[@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

[@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

[@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.

[@WaxandWool77]

This woman is not making $6500 per month. No way.

[@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.

[@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.

[@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.

[@jaimesarabia9830]

"you are a princess you deserve everything"

[@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?

[@Umm_aniah]

Every time he says "I'm taking your word for it" regarding her income. I think we are all thinking the exact same thing!

[@kaimarmalade9660]

"If you consider the projected stock growth of our crystals business..." I'm so glad interest rates are going down and creditors are inflation shy. It's fixing our culture one Reiki healer at a time.

[@Umm_aniah]

@@kaimarmalade9660 this made me LOL in real life!

[@BD-1-And-Only]

Yeah her IQ is about room temperature

[@milemarker07]

If you go to her socials she's mostly a sex worker

[@BD-1-And-Only]

@@milemarker07 doesn’t surprise me

[@AXISpresident]

After an hour of being shown hard facts and being told EXACTLY how to fix all her problems... this millennial spiritual life coach's last thought is to STILL be looking for an easy way out so they don't have o change their lifestyle. One that can only be sustained by a trust fund and not her 80k a year income. Our youth are in for a SERIOUS slap in the face.

[@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?

[@OShackHennessy]

The fact that these people are in crazy debt and DO NOT even pay taxes boggles my mind. I hope they all get audited.

[@amyomeara2515]

Exactly! Imagine spending every gross penny you earned…no taxes or retirement her net should be somewhere around $40K on an $80k gross. She’s living like a Kardashian but barely scraping a middle class income. Using credit to subsidize. “I didn’t know about the interest..”. I’m sorry are you a 3rd grader, ma’am?

[@libbysworld7649]

Also, after telling her she needed to put 30% aside for taxes he didn't work it into the budget he created for her. If she's really who she say's she is, I'm not thinking she is in any better of a situation.

[@0ooTheMAXXoo0]

Taxes are supposed to be on profits, not losses... Wages for work are supposed to be the same value as the work and should not be federally taxed in actuality... Obama tried to change this with an executive order but that is probably not constitutional...

[@jillmarie3841]

The pain inside I feel when I think about the 25% of my income that goes to taxes every year and this woman is surprised that taxes are around 20%… s

[@robertkorn]

@@0ooTheMAXXoo0 WTF are you talking about? It's called INCOME tax, not PROFIT tax. She is not a corporation, she is in individual, she needs to pay taxees on her income. Not sure what you are talking about with Obama, a reference would be nice.

[@echoarcade28]

15k in debt and buys a 30k car she needs "once a day" to drive "not very far." No one NEEDS a luxury SUV! Drives me nuts.

[@GrokkerChris]

Agreed, but a RAV4 is far from a luxury SUV. Could be worse.

[@echoarcade28]

She said she drives the XLE which literally stands for "Executive Luxury Edition." 😆

[@biscuit4259]

Thanks couldn’t find how much it was.

[@MichelleSPodcast]

I'm so grateful that you're so perfect. Thank God we all have you to look up to

[@top10cars2]

30k car is nowhere near luxury

[@fatiahistiqomah]

America is strange. The yearly income is high, yet people often struggle to save, unlike in other countries where people earn as little as $15k annually but still manage to save and take nice vacations.

[@draraist]

People are different? I like nice things and have absolutely no interest in traveling.

[@babybug2023]

To imagine she could fix the credit cards in only 6 months is INCREDIBLE and honestly, the fear of guessing but not knowing the reality of the situation is likely what has prevented her from accomplishing it on her own. It's so important to know.

[@someusername4129]

You know I'm not really sure with her because she "has an abundance mindset" which she took to a level of not denying herself a single whim. I think her not knowing how bad it was is also true but I also don't think she understood how serious it is because she thinks a credit card score below 600 is fair.

[@KG_BM]

4 months of she sold all the investments... got me thinking about my own investments

[@babybug2023]

@@someusername4129 Yeah, the abundance mindset is like wearing rose colored glasses. Very "ignorance is bliss" when it interferes with your daily life. Tbh, when I was first starting out, I didn't understand credit at all and 600/800 sounds pretty good to an 18yo.

[@babybug2023]

@@KG_BMI bought crypto because of the marketing and media frenzy. I only used $20 dollars at the time so it's not an issue now but younger me could've used that $20 for literally anything else and it would've been better. Could've gone towards credit cards or security fund but instead it got tied up for nothing.

[@nomusicnecessary]

no fr the fear of finding out how much i owed is what kept me from financial security all this year. but once i finally sat down and confronted it, i was able to make a plan to pay it all off soon so i could start repairing my credit. hopefully i’ll be done in the next couple months! i’m proud of her for taking this really tough step to get her life in track. stay grounded and you can do this!!

[@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.

[@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

[@slayr6418]

I think this guy is pretty compassionate. His titles are rage bait-y but it's obvious he really cares about the people who come to him for help, and he's not being a jerk to people who are already feeling in a bad situation. Remember that we all have our vices.

[@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.

[@kouleeofficial]

I respect her honesty. A lot of people just out here acting like they’re super rich and not being real about their situations.

[@kingtigerproffish2790]

I feel bad no one cares enuf about her to even try warn her about debt like that.

[@kouleeofficial]

@@kingtigerproffish2790 Even if they did, she probably won't listen to them. Sad but they gotta learn the hard way.

[@stickyone11]

that's some white knight shit homie...she is obviously full of shit......try using the head on your shoulders...

[@Damon-qt3fw]

If they act rich, they are not. There is substance to the statement new money talks, but old money whispers.

[@LuLuLately]

@@kouleeofficialthis chic hasn’t learned squat except maybe to never expose herself like this again.

[@harleytheelderbeagle8610]

“Why do you always touch the money” “Something always happens” Yeah…the weekend.

[@Pammulli_]

Protecting your capital is much more important than making money. Basically because if you lose your capital, making money is much harder. ''Missing the train'' vs. ''losing your money''. There are a lot of trains, but if your money is gone, it's over.

[@Oly_laura]

Wall Street pitched so-called quality stocks with high profitability and low debt, as a kind of insurance against whatever the economy might throw at you. Quality stocks have underperformed the S&P500 this year, My $200k portfolio is down by approximately 20 %, any recommendations to scale up my returns on investment

[@martingiavarini]

Nobody knows anything You need to create your own process, manage risk and stick to the plan, through thick or thin While also continuously learning from mistakes and improving.

[@hermanramos7092]

Exactly why i enjoy market decisions being guided by a pro , seeing that their entire skillset is built around going long and short at the same time both employing risk management and market experience , been using a portfolio-coach for over 2years+ and I've netted over $3million in that time frame.

[@Oly_laura]

@@hermanramos7092 Do you mind sharing info on the adviser who assisted you? I'm 39 now and would love to grow my stock portfolio and plan my retirement

[@Oly_laura]

@@hermanramos7092 She appears to be well-educated and well-read. I just ran a Google search for her name and came across her website; thank you for sharing.

[@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..........😂

[@jgreezy]

life coaching people while you're drowning in debt is kinda funny

[@user-hd8ej8yx9p]

SPIRITUAL coaching lmaoooo

[@PInk77W1]

@@user-hd8ej8yx9p I’m Catholic. I go to confession For spiritual coaching for free

[@patrickhighspeed]

Female dating coaches are mostly not married. Same thing.

[@maxdudomite]

Maybe she’s teaching people what NOT to do.

[@TheAlchemist1089]

@@PInk77W1 be careful, don't let your children near priests

[@cstark331]

I can feel my brain cells running into traffic one by one

[@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

[@jacobmckillop99]

Would love to see a a follow up video with her definitely in more debt now 😅