I Legitimately Lost My Mind | Financial Audit

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[@CalebHammer]

This one actually pushed me to my mental breaking point. After recording a couple rough episodes like this that day, this was just the final nail in the coffin. We ended up taking a week off of recording episodes after this… So, if I seemed a little rough around the edges and wasn’t perfect… That’s why! I like to leave these moments in because in the end, I’m only human and I prefer being open. Love y’all 🙂 feel free to share this video with Someone as we’re really trying to get to 800,000 subscribers!

[@alexklara816]

Let's fucking go much love man ❤

[@jeremygmail]

Much respect for keeping the video intact. You are only human and if anything, just shows how much you care. Break is well deserved. Hopefully you have some positive interactions when you return!

[@lynnettepaonessa8226]

❤❤

[@jackmonaco4503]

Appreciate the candor and work you do man! It comes through in the end result. You really care, and the large majority of folks that watch you care are invested in you and your mental health dude. Hope the week off was a nice reset.

[@jeremygmail]

Agreed. There is only so much empathy a person has. @@WitchLioness

[@strawbunnyyy]

$440 for a personal trainer and $1200 a month for baby food while taking out a loan for $80 feels like some black mirror shit

[@Dusterdimmu81]

Lol. Yea it does. She has the most backwards priorities I have ever seen. I feel bad for her boyfriend. She is gonna be a burden on him forever

[@jenniferdemarco2653]

😂😂😂😂

[@cyoohoos]

@@Dusterdimmu81 Key word... BOYFRIEND. Not Husband

[@nessparadis6948]

What’s black mirror?

[@tristang2517]

​@@nessparadis6948the TV show

[@frankvonfrauner]

She goes to Chick-fil-A every 2 days but she won't eat frozen salmon? The fuck?

[@shroomer3867]

1) Freeze salmon 2) Buy dried seaweed in nearest grocery or at Amazon 3) Boil rice 4) Get a small wooden sushi maker roll (like 2-5$) 5) Place rice on roller 6) Place cut salmon 7) Roll 8) Cut into little sushis 9) Dip into soy sauce Congratulations! You've made sushi for 1/5 of it's price on store shelves. For more complex sushi there's differnet ingredients but there's many recipes online and it will still be cheaper than buying out or eating them at restaurants. Just an example of what you can do with frozen salmon if you don't eat fish that much but want it to be tasty.

[@jessicadawson2353]

Does she not think HEB has fresh salmon? Has she ever been in a regular grocery store?

[@ramblingmillennial1560]

LOL

[@pvtruestmusic]

@@shroomer3867good looks homie

[@fireemblemaddict128]

What I want to know is how she affords human BEANS

[@Buzz_Killington]

Literally the first 10 secs we can see her issues, paying for a flight instead of fixing her car and driving out. Now 1 bill turns into 2 bills because she WILL have to get that car fixed.

[@Thatmanbass2655]

And she said the check engine light was on, the fix could be as cheaper than the flight for all she knows.

[@VeniMitev]

@@Thatmanbass2655 My check engine light last week was literally my gas cap being broken or something. 10.95 at AutoZone, changed the gas cap in the parking lot in 1 minute...

[@yoyobeerman1289]

Woman, man, young or old, learning how to work on your own cars will save you an absolute shit ton of money.

[@justindframpton4135]

even today though with how complex some of them are? @@yoyobeerman1289

[@hompa1670]

Tbf, round trip flights from Austin and Dallas around February/January can be pretty cheap, like around $100-150 (+Uber though) which yeah is definitely more expensive than the $50 in gas from driving but not by like a huge amount. But she does the security of not having her car break down. She works from home. Maybe her car just isn't that reliable (especially with the check engine light) but it's okay enough to drive around town a little like to the grocery store. Driving that trip to Austin and breaking down when you're alone would be pretty expensive and kinda scary.... But on the other hand, it's possible her check engine light has been on for a while and she could have had the car checked and fixed before

[@Kytelngc]

"$1000 to Drake. Don't even have $1000 in retirement". Daaaaaaamn! That cut like a razor blade. So real.

[@119jle]

I wouldn’t pay $1 to see thug drake. Culture thing?

[@snarr2]

@@119jle "thug drake"? Wtf are you saying

[@aw7099]

@@snarr2it’s sarcasm bc he’s a wanna be

[@nataliedailey8687]

Paying for a makeup artist to APPLY the makeup, so we can make eye contact in a dimly lit space, in hopes to be the stand out female amongst the thousands of other females, who are all vying for his attention!

[@AdventuresWithMe00]

This isn’t a financial channel, it’s a case study in human rationalization, poverty-thinking and entitlement.

[@shanarobinson7672]

Facts!!

[@fc7307]

@@lukecarlson6863 And she keeps eating fast food too. How is she going to lose weight that way?

[@kaylaredden8099]

Yess it is an amazing look in the human mind.

[@jaketorpepper-king3930]

she spends 450/mo on personal trainer, only shops at whole foods....and is fat.

[@anonliquid4853]

Keyword on entitlement

[@winry2357]

“I must shop at Whole Foods because I’m eating healthy” and “my two year old is pescatarian and his food costs $1200 a month” meanwhile she’s going out to eat fast food and ordering fast food in many times a month? I think she’s in denial about something.

[@barbararepko4824]

Whole Foods is a ripoff and not healthy.

[@Palomitapalomita]

Agree, seriously in denial and not consistent in her logic. Also a personal trainer is useless unless you are doing some kind of high performance sport or competitive bodybuilding. Just eat less calories everyday and take a long walk, do some at home workouts for free from KZbin. It’s 2023 and there’s free diet plans and workouts literally everywhere. I don’t understand her entitlement.

[@AnalyticalMenace]

I'll be honest....I only go to Whole Foods for esoterically specific items. Otherwise, I see no reason any human should ever shop here exclusively. If they do, they're probably pretentious.

[@beckypetersen2680]

@@Palomitapalomita That's the word I was looking for. For some reason she feels entitled to all these nice and expensive things when she is avoiding her responsibilities she has already committed to.

[@pablomelana-dayton9221]

I order delivery Whole Foods every week, eat meat almost every day, and still spend $600/month on food. People want to think they deserve luxuries, spend $1000 on a drake concert without thinking about if they can actually afford it. Easy, predatory credit has made it so much worse for a lot of people.

[@MegaDchamp]

I love (hate) LOVE that she won't give up clothes shopping, whole foods, and Doordash costs, but daycare, the one thing that benefits her child more than herself, "you know what, we can get rid of that."

[@Chiyembekezo]

I think she’s solely going off of total sum dollars. $440 + $260 + $150 + $£650 + $55 seems less daunting than $1445. Heck, to her it probably makes sense that $1000 for Drake and vibes is okay coz it’s not as bad as $1445 😂

[@corinnedabreau209]

Daycare is detrimental to children's mental health. So gott adisagree with you on that point. The nanny is the best option for the kid actually. But I get what you're saying. Shes choosing herself over her kids well being. Look up Erica Komisar taking about daycare to see what I meant.

[@hollowkid97]

​@@corinnedabreau209 so whats the alternative if both parents work?

[@BitterComments]

@@hollowkid97Altering work schedules. Filling in gaps with family members and friends. Easy? No. Possible? Often.

[@corinnedabreau209]

@@krad1314 well of course. Mother is best. But between the non-mother options daycare is the worst option for children's well being. The other factors are things like time spent away from your children 3 and younger. Children need their mothers during that stage of life. If you want to know more, read the book Being There by Erica Komisar. It goes into way more detail than what I can about all the different factors at play and whats good for children to develop healthy atchments and what's going to cause attachment disorders in children. Shes the expert, not me. So I reccomend listening to what she has to say in the matter.

[@jacksyoutubechannel4045]

I guess I'm just a dinosaur. You're willing to have a child with someone, to move halfway across the country with them, but _won't combine finances?_ She followed him for his job, but he won't even give her $80 so she doesn't have to take out a loan? I'm baffled.

[@TheEMC99]

No. I'm with you. Insanity.

[@ladyhawkNone]

I don't understand most of what happens these days. I'm old school also. I went opposite. I went totally off grid with credit. 20 yrs if I couldn't pay for it, I didn't need it. Then needed a new car & thought cuz I had no credit it's be easy...nope lol got stay in that sweet spot of responsibility. I had no credit score. No history. Lolol there are ways to not go to payday loan for $80.

[@fetusthegreat9797]

I suppose im old school too but this is something ive noticed a lot. My wife and i share finances and so do my parents but her parents dont, her parents friends dont, most of my married coworkers dont, its something ive seen a lot and it never makes sense to me.

[@dirtyxbl]

Drake tickets, professional makeup, Whole Foods, blaming weight gain on a child you had two years ago when eating fast food and coffee every day, hiring cleaners for your apartment when you can just do it yourself and funding it through payday loans when you and your significant other clear at least $130k is so beyond embarrassing. God I just saw every stereotype for our generation at once. She thinks she is better than the average person and should get zero sympathy. Worst episode I’ve ever seen and I’ve been a subscriber since 25k.

[@gabe_irl]

Ageeeeeeeeee

[@jenniferdemarco2653]

came to say this!! Her 2 yr old eats 1200 /month in organics and she HAS to shop at whole foods , yet goes to fast food places 3x a week!!!!

[@jenniferdemarco2653]

3X a day****

[@ryanmaris1917]

@@jenniferdemarco2653 doesn't just go, she orders UBER EATS, its so fucking expensive already to go out and eat and now your gonna pay an extra 20-50% for your food. (AND DOORDASH)

[@jenniferdemarco2653]

@@ryanmaris1917 right!! and then makes it a necessity to spend $440 on a personal trainer! 😂

[@thecedars0612]

As someone whose single mom “survived” off of pay day loans and now has $0 in savings and relies on her son financially. PLEASE STOP USING PAYDAY LOANS FOR YOUR SONS SAKE!!!

[@barbararepko4824]

In PA and Nebraska, they outlawed payday loans at least 5 years ago, 15 years for PA. They should be outlawed and declared illegal in all states.

[@haute03]

@@barbararepko4824 Agreed. They're all predatory and disgusting. I'm glad to hear some states are outlawing them.

[@gabothegreat1244]

Anyone with a brain and drive to make more money could’ve told you that

[@ackurotwo1933]

When I heard 200% APR, I didn't think I heard them correctly & told myself they must have meant 25%, but then they said 200% again and my heart sank. I feel bad for people who have to take that kind of APR.

[@MrArkangel11]

@@ackurotwo1933 280 my guy. WHY

[@MilVetMoney]

Love that Caleb constantly reminds people of their value as human beings and why their bad financial decisions are inconsistent with respecting that value

[@kierawelch2106]

I couldn’t agree more!!!

[@amandahakes2226]

This part inspired me to do better too 😢❤

[@cdcolquitt]

As worked up as he gets, he always remembers he’s dealing with a human.

[@benisboop]

Growing up poor in Atlanta does not produce someone who has a pescatarian baby and refuses to shop at Walmart. She grew up at least middle class and based on her apparent disconnect from reality, I would imagine her parents spoiled her.

[@carethomps]

You’d be surprised. My boyfriend grew up poor in a poor community and loves to live beyond his means like her

[@nineteenfortyeight6762]

High-class people don't hang their self- esteem on spending. That's low- class shi.

[@hillariat2147]

Childhood deprivation and a lack of financial guidance (ie. Poor parents probably dont have the time or knowledge to pass over) does wonders to a persons mind. Overspending and a sense of entitlement to any want is a common trauma response to poverty and many people dont realize it.

[@Jeslyn-Elayne]

@@carethompshonestly that’s probably where he learned it from his parents probably spent beyond their means too 😭

[@Milkbutter]

@@nineteenfortyeight6762 Bullshit.

[@howlingm993]

Ironic that she turned her nose up at frozen salmon for being unhealthy but spent hundreds of dollars on fast food

[@justine109]

Right, what the hell does she think is in the taco bell? Farm to table organics?

[@Tunechi65]

Funniest part is she's in Texas so 100% her COMMERCIAL fish was frozen anyway and thawed out LMAO

[@piercexlr878]

​@Tunechi65 I mean coastal, you might have decent luck.

[@anonn9006]

This comment!!

[@myopinion69420]

I wonder if she realises (not sure about whole foods as have never been) that most of the 'fresh' fish you buy at stores is just defrosted frozen stuff. even more likely if its ocean caught (which the fancy places always seem to advertise). they are frozen on the boat as there is no way they are coming in every day with their catch, they go out for weeks at a time, so they freeze everything they catch.

[@courtneyjoseph4413]

Paying $110 to get her makeup done for the Drake concert and full on arguing to justify it is WILD. That part has me shook 😳

[@deirdrekiely6187]

She's delusional.

[@Cattiva]

What's bout the Amazon bill? " I went on Vacation, I needed that " 💩

[@libertarian4323]

But she thinks Drake looked at her, so it was worth it? Or something? Meanwhile, she's taking out Payday loans to feed her kid. Brilliant!

[@greyfox9197]

Irony is DRAKE would have told her she was nuts for that.

[@AnonAmerica11]

@@greyfox9197Drake isn't interested in obese near bankrupt woman, but hey, they made eye contact.

[@samzie]

As a family of 5 on a low income budget, with teens and a toddler, we spend an average of $1100 a month on groceries for the ENTIRE family. Which includes toilet paper, makeup, pull ups, cleaning supplies, pet food, etc. Which we've always felt is too expensive so we cut corners where we can. We shop at the local discount store, and Walmart, and we eat leftovers weekly. To spend $1200 a month on ONE person for just food, let alone a toddler, is mind boggling to me! Probably one of the craziest things I've heard on this show so far. 😳

[@keith8758]

Kudos, truly impressive

[@raymovizion]

I came from the future to tell you Drake is not a great Canadian.

[@davidreese8194]

I came in the comments lookin for this lmao

[@TheEMC99]

You not a colleague...

[@MinneapolisMommaD]

She won’t cut out what she wants but is willing to cut out daycare, the place that is enriching is really telling. This is a horror movie.

[@Youre-Welcome]

It's especially wild because most WFH jobs require you have care for children, so I'm hesitant to believe she can even cut that

[@ghhm2705]

Day care is hardly “enriching”

[@juwairiyahummabdullah]

Tbh i dont understand why people work to pay majority of their earnings towards daycare, in that case you should just keep your kids home and quit working. Her daycare bill was close to what she earns a month

[@the_real_cookiez]

Right? She sounds like a horrible, selfish partner and mom. Spending on superficial luxury and going into debt for it

[@Acrylescent]

@@ghhm2705depends on the day care. Some day cares operate like schools where qualified teachers help kids learn skills, they get to be around other kids, and both parents can work in an economy that almost demands it. But I can agree there is a majority of day cares that are just TV and hotdogs for lunch.

[@nelsonromano6654]

The fact that she said “no way, I need to retire before 65” is so beyond disconnected. Ma’am the only way you’re retiring before 65 is if you win the lottery at this point.

[@sarahschreffler5407]

I'm afraid this would cause her to buy lottery tickets

[@eliettesoler9858]

Don’t give her ideas

[@NewscasterNews4]

Even if she won the lottery she’d spend it all flying herself out to see Drake

[@assalane]

Yeah if she win the lottery she will be in the street in less than a year

[@o0usf0o]

She’d find a way to take out a lottery advance loan at 4000% interest

[@workaccount8732]

Hearing an interest rate of 260% made me audibly gasp. I stumbled across these videos recently and it was like a wake up call I never knew I needed in terms of being serious about budgeting and future financial planning. Never put too much thought into how much of a disservice I was doing my future self by being so irresponsible with current spending. Caleb if you see this, thanks, and anyone else who sees this it's not too late to start being serious about it.

[@carlosperalta1714]

That rate is like a Saitama punch

[@koLdZ1]

I had to repeat that moment, it genuinely sounded so surreal to me. I can't believe I'm saying this, but credit cards would have helped her more

[@macairhead5137]

🏆

[@mandalyngarrett5390]

$1200 for food on a toddler!!! That's $400 more a month than I spend on my family of 6, including a teen. And we get snacks, lunch foods, dinners, protein shakes, treats, you name it. That's insane!

[@bekymarie2937]

Seriously! She could cut that in half and easily add more toward her debts

[@carolinepring8566]

I was feeling so bad for her until we got to the grocery segment. Having an attitude about frozen salmon when you're that far in debt? Refusing to shop anywhere other than whole foods when you eat chick fil a and get doordash multiple times per week? Bruh be so for real right now

[@M21assult]

Did she give a medical reason for why her kid was pescatarian? I don’t remember hearing one. My grocery bill is $900/mo just for me and after figuring out what my grocery bill would look like eating how my dietician wants me to, I about died. Can’t imagine $1200 for a 3 year old. I’d also be concerned about mercury poisoning in a kid that young with a lot of salmon.

[@JenniferRose-_-]

@@M21assultI’m a dietitian and I would NEVER educate my patients in a way that their grocery bill would cost >$900 for one person. I personally spend $300/month for all my groceries in a Chicago suburb. I live alone, cook my meals and eat a very healthy diet. Are you sure you understood your dietitian correctly? Or were they even a dietitian at all? We’re pretty well trained on healthy eating on ANY budget. I’m not trying to be rude, I’m just concerned…

[@barbararepko4824]

She’s throwing money away when she could get good food at grocery stores.

[@barbararepko4824]

@@M21assultBeing a pescatarian isn’t even healthy, especially for a child.

[@nicolivoldkif9096]

​@@M21assultplease tell me you have an extremely restrictive diet. I have friends due to auto-immune diseases have very restrictive diets and they can get by with less then $500 a month. Because if you don't have something that heavily restricts what you can eat then $900/month is frankly silly to the point of I'd be asking your nutritionist if they are getting a cut from the companies she's suggesting you go to.

[@jeremiahsmith450]

Her asking if HEB has fresh salmon is like nails on a chalkboard. Seeing someone who’s obviously BROKE thinking they are above Walmart is all the irony I needed today

[@angelmetellus-jacques6112]

ESPECIALLY WHEN SHE EATS CHICKFILA 🤬

[@AnonAmerica11]

I rewatched this like 4 times so I could watch his face and her face. I about died. She was baffled that he thinks she's a retard for shopping at whole foods. Rolling her eyes and shaking her head like he's an asshole for even saying she shouldn't shop there. She's a lost cause. He should have recommended bankruptcy. This girl belongs in Aldi, she can't even afford Walmart.

[@TheDutchPetGuy]

Especially since fresh salmon in a foodstore doesn't exist. It's just thawed out previously frozen salmon!

[@natalieheagle7005]

​@@AnonAmerica11 What's wrong with Aldi? I often prefer it

[@AnonAmerica11]

@@natalieheagle7005 Nothing at all. I shop there. I wasn't talking shit on Aldi. I was simply saying for how broke this women is, she reacted to Walmart like she was too good for it. It's too expensive for her. She should be shopping at Aldi.

[@primal5391]

I'm convinced people like this keep Door Dash in business. Nobody who is conscious about their money uses Door Dash regularly.

[@garththomas9896]

I don’t use DoorDash at all first they expect me to tip I can just drive to get the food myself😂

[@emilykirk1078]

My coworker and I were just talking about this the other day! We both make decent money and live very comfortably, but we’re also both pretty careful with our money. Everyone we know who uses DoorDash are people who are bad with overspending and are always complaining about not having enough money. I have disposable income and can save and still don’t use DoorDash because most of the time* it’s a waste of money. I can’t imagine bottoming out my accounts and going into credit card debt over it. *I realize that for some people who have disabilities, lack of transportation, or other circumstances, that delivery might sometimes be the only way to get something they need. But the people on this show are NOT that.

[@stellacalder5023]

As a Texan, I can say that HEB frequently has higher-quality fresh fish than Whole Foods (on top of greater variety AND lower prices in most other departments) and I'm honestly kind of offended that she didn't even know HEB existed in her city 😂

[@theresefrancis9283]

100%. The sockeye is pretty good. Althooooough Costco has fresh sockeye as well for even less. I think $20 for two huuuge fish. No excusesss 😬

[@TheGamexAddict]

@@theresefrancis9283she don’t need to add an annual membership fee on top of what she already struggling to pay. She could also reduce her cost on personal training, Go to a commercial gym ($10 a month for fitness connection) lots of free resources on putting together a workout plan out there.

[@Dopadroid]

I live in Dallas and to be fair, HEB didn't really exist here until last year. The closest HEB was in fort worth and the next closest one was in Waco

[@midnighthaven]

They have great coupons too! But (for me, it actually ends up costing more than if you go to Walmart in most cases. So it's kind of a give and take. Whole foods and all the other places. Do the competition and prices because of how low they pay their employees.... Among other things (Nationwide reach) I never recommend people go shopping in multiple places because you'll end up spending more money to get there unless they're really close by to each other. But if you can buy your dry and bulk foods at Walmart. Buy your fresh foods at HEB (Texas peeps)

[@southerngraceglamour]

I miss HEB so much! I’m in AZ and I really wish we had it here.

[@FinPlanting]

The needing a loan for $80 at 260% interest + shops at Whole Foods + hired a personal trainer, alone is already such a wild combo of financial decisions.

[@slanttty2097]

Personal trainers are such a scam, useful only for competing athletes, or your very first time in the gym. Trainer is doing more than just “training”

[@o0usf0o]

@@slanttty2097all she really needs to do is eat salads twice a day and spend an 45 min in the gym moving at all.

[@slanttty2097]

@@o0usf0o kinda, salads are a scam. They usually aren’t filling and provide little nutrition, it’s only beneficial if you genuinely like salads. Lean meat is much better.

[@FinPlanting]

@@slanttty2097 I completely agree that it is very useful resource for athletes or very athletic individuals who want to "up their game" but have plateaued trainning on their own. Absoutly on trainners doing more than just training, the nutrient and tailor trainnings depending on the athlete's goals. If someone can afford it by all means to have that accountability buddy. But if not, especially for someone just starting out, there is a lot of good resources online these days to utilize, a lot of youtube videos, and online forums where other ppl more knowledgeable can help educate. There's just so many free resources while trying to get out of debt.

[@RJWaynerium]

​@@slanttty2097they're not a scam if used wisely. I paid about $3K for a personal trainer (in cash) and learned so much from him and can do much more meaningful workouts in the gym. This lady seems to be using hers just to make a workout structure that she could do herself.

[@amandafry9822]

It always cracks me up when people order fast food multiple times a week and then get all high and mighty on WalMart groceries.

[@heyhey11793]

Me tooo!!!!! Blows my mind. I eat healthier probably than most people and I get 99.99% of my groceries from Walmart.

[@jonhjones4141]

Eggs, oatmeal, lettuce, chicken breast and rice form Walmart are very healthy, very cheap. I'm very fit for my age and my son's are athletes.

[@quinceyclouds3208]

And it looks like she’s getting fast food/ door dash at least three four times a week. And sometimes multiple times a day. It hurts my brain to think about how much she wasted on fast food instead of buying groceries…

[@shailaadia974]

I love me a good Walmart grocery. My boyfriend never knew Walmart had (good) groceries like that because he has a large family and they shop at Sam’s Club and I kept telling him and he never believed me. I love Walmart, they have EVERYTHING!! Like yes target sometimes has better quality, but their selection sucks so bad

[@cashwilson2571]

@@heyhey11793Hahahahhahahahahahahahahhaha Walmart food is full of GMOs buddy grow your own veg man then only buy meat if you don’t live in a countryside area where ppl sell their own grass fed beef, MN is where I live and ugh shiiit is so awesome here regarding farm fresh beef and homegrown veg.

[@chiffonybunny]

I thought i was delusional. Paying to get your makeup done for a concert is crazy

[@purpurina5663]

Ikr -so absolutely no one sees it and you sweat it off your face! 🤯

[@toebiter69]

she really thought drake was gonna pull her up on that stage💀💀

[@varsitytitan07]

Paid for nobody to give a damn. It’s insanity is what it is

[@TheEMC99]

Like it's your wedding day. 😂

[@raz7573]

This apartment nonsense had me dying. I worked from home throughout the years and my “home office” was my laptop placed wherever I could find space. I sat in front of a wall or pulled out the green screen for zoom calls.

[@o0usf0o]

One stretch, I worked from my bedroom… another, I worked from my kitchen lol

[@raz7573]

@@o0usf0o Yup. That’s how you gotta do it. 😄

[@ravennr97]

This is all a status thing. Living in a small apartment and shopping at Walmart or HEB is beneath her in her mind. She'd rather go into debt then go back to "living poor". It's sad and I don't see her changing unless that therapy works wonders.

[@PersonallyOptimistic]

I got that impression too.

[@EitherBendToTheTruthOrLiveALIE]

People like her are of this world. Its a shame.

[@stephanieesquivel6764]

This is it! I can guarantee it has a lot to do with the time she spends on social media, trying to replicate what she sees others doing. Absolutely no sense of reality.

[@aortiz233]

@MotorHeartATyeah that’s a ridiculous amount for a personal trainer. I thought mine was a stretch at $350/mo in LA where everything is more expensive

[@Belpz4]

@@stephanieesquivel6764it has to be, and those same influencers are in debt too. She doesn’t want to be left behind. I actually feel the opposite, I’m traumatized by being poor that I don’t spend much on myself. I don’t wanna go back to that. All of these situations scare me.

[@Diva9000x]

The more I watch Caleb, the more his show validates what I've been saying for years: People appear to be living well but they are drowning in debt to keep up that appearance. She wants to appear to have it all but she has nothing. Who spends that much money on food for a toddler? The $420/mo for a trainer may be a waste of money. The 40 pounds she needs to lose is not baby weight. It's taquitos & chic-fil-A & human beans & Starbucks & Door Dash 5x a day. Who spends $1k on a Drake concert experience and swears she locked eyes with him? Miss us all on that BS. There are so many young people like her and that's so sad. You tried Caleb. You threw in the towel & I understand why. This was an unbelievable episode.

[@airforcerymer15]

That's the American way now, consumerism and clout has ruined everything. Then they turn around and blame the system for their bullshit

[@marcelslofstra2157]

The reverse is true too. People who might not appear ‘successful’ - modest used car, appropriate home, no ‘bling’ and shit - might be doing very, very well. If you love making money but hate spending money, you’re halfway there already.

[@djpower8791]

@@marcelslofstra2157I had a really bizarre circumstance during Covid where I basically doubled my income into 6 figures but it never “clicked” I was making that much. I got laid off and flipped out bc I have a weird rare chronic illness insurance doesn’t really help with, so I’m just used to spending a fortune on my healthcare and felt like “I’ll just adjust to whatever hell is next” because that’s just reality. So I’d been living on $1,100 a month for a couple of years making $110k-$120k w bonuses and holy shit. I miss my job and I am NOT happy to be laid off but holy fuck it could have been so much worse. It’s just really shady times we’re living in.

[@axt2]

@@marcelslofstra2157 so true. I equate money with security so seeing my bank account go down feels like losing HP in a video game. I try to save money to the point that it hurts although I'll admit this inflation has made things tougher.

[@axt2]

@@Jake38nine Concert tickets have gotten insane for these higher end shows. Mostly because there are people that will pay them. My wife paid 700 dollars for tickets to Taylor Swift. They were VIP seats actually retailing for 3k and she is a major swiftie. I make a pretty good living so I wasn't going to say no since this would make her year, but I can't think of a single performing artist that could make me want to spend that kind of dosh for myself. She went with a friend who paid their own ticket so I didnt have to take that hit twice at least.

[@RT22444]

“You’re making 5 bullshit purchases a day instead of being able to retire” 😮‍💨😮‍💨😮‍💨😮‍💨😮‍💨😮‍💨🔥🔥🔥🔥🔥

[@heidiyf]

Toddlers can eat what you are eating, I promise. The Tiny Organics oatmeal is no better than the canister you get from Walmart for $3.

[@deckmanager]

Straight out of the gate with “My check engine light is on so I flew here instead.” Ouff

[@TheAlchemist1089]

Was it from Dallas to Austin? Google maps says 3hrs via train. Could also just rent a car.

[@dustinseth1]

Right? I’m not sure I’ve ever owned a car whose check engine light wasn’t on all the time

[@xenna1143]

My check light engine is perpetually on. Who gives a fuck? I’m convinced that those lights are put in cars by the manufacturer to get people like this to cough up more money. It’s rarely a serious issue. If something is seriously wrong with your car, it won’t move. Check engine lights are bullshit. They usually come on to remind you to do some minor maintenance think like change the air filter. Funny thing… I’ve never had a check engine light come on for more important things like getting a oil change or even worse, when the oil is low. And that will kill a car faster than a check engine light flashing.

[@tylerkinley268]

​@@xenna1143 I prefer to fix issues before the vehicle refuses to run. Mighty inconvenient. Also, even the crappiest vehicles I've owned had a low oil light/check oil light. Sure, the problem may not be severe enough to keep it from running, but that's one expensive way to deal with problems; drive till they become catastrophes.

[@GLo1991]

She barely knew what the CEL was called

[@samanthaw.861]

You know it’s going to be intense when you START with a 200% interest payday loan. Also, as a parent, I can definitely say $1200 a month for TODDLER FOOD is way too much. That’s more like daycare cost.

[@Dirtydinero69]

In some states there is no cap on how much they can charge.

[@Raindrops4891]

​@@PhatallyFlawlessain't no way someone with a normal functioning brain takes out a 200% interest loan lol

[@super610]

It’s so easy to pay off as long as you can pay it back 4 hours after it’s issued, which is right there in the fine print!

[@kjax139]

@@super610ya, and if you can’t pay it off there 0 reason to even get one. Which is why they’re there to prey on people who can’t pay it back

[@zachschwartz1586]

We spend 400 a month for three people, including a toddler for food… 1200 for just the toddler sad

[@christinabraune1783]

I enjoyed this episode. The first part where she said that she flew from Dallas to Austin pretty summed up the rest.

[@willdoyen6913]

😂😂😂😂

[@southerngraceglamour]

She said she has a paid off vehicle like that’s so exciting and that is… but it clearly isn’t working great if she can’t drive from Dallas to Austin with it. Like yikes dude.

[@shifter1089]

I still dnt know why Doordarsh is so popular. It's outwardly more expensive than ordering take out.

[@booboosparkz]

Because people get lazy sometimes. Every time I see the total I get my ass up and go get my food 🤣🤣

[@X33-]

Because people are dumb, lazy or will pay for the convenience. The extra they pay they figure would be the price of their fuel and or time, thus worth it, then they make a habit of it because it’s too easy, and it gets out of control.

[@FALCORTON]

Eats fast food and only shops at whole foods while getting Payday loans and buys a new outfit 2 times a week? This girl got her lifestyle from Tiktok.

[@JazzyCaramelCurlz]

PREACH!🎉

[@Chaantastic]

@49:20 almost all salmon in the US is flash frozen when caught to kill off parasites. The only difference between “fresh” salmon in a typical grocery store and frozen is that the fresh salmon was thawed before being displayed. Unless you’re buying it straight off the boat, your fresh salmon was almost certainly frozen before you bought it.

[@Turboturtle098]

Exactly this. It’s actually better to buy frozen salmon so you can thaw it whenever you’re ready! Rather than relying on the grocery store to thaw however many days ago

[@dreamchaser5758]

Thanks for this guys. I didn't know this. I have purchased "fresh" salmon that smelled spoiled on multiple occasions. Will purchase frozen going forward.

[@FALCORTON]

People can't tell the difference in quality, they only see the price tag and assume it's better. What a world we live in.

[@andrewapte9981]

She should be eating salmon from a can

[@ElinWinblad]

I would like to add that all the fresh meat you see, even from the different grocery stores usually usually come from the same sources, the same butcher companies, and even the ones that have like the meat case almost all of that comes in frozen and they thaw it out before they display it, just as the normal grocery chains thaw it out before they put it out for fresh and packaged And the stuff that comes in frozen is usually staying in the warehouse for a couple months before it even gets to the grocery store and sold his fresh once thawed

[@makaiaalmeida2704]

My favorite thing is when Caleb’s looking at their credit cards statements and they always say “I’m not a credit card person” but proceeds to max out every credit card they have

[@OnlyTruths18]

We have HEB in Dallas. She's capping. Her entitlement is unreal. Not willing to compromise on Wholefoods is crazy... She's talking about getting sick after eating tilapia from Walmart? She eats In-N-Out and chick-fil-a everyday basically and that's healthy?

[@purpurina5663]

Got sick because it was tilapia, not because of Walmart. How can she not know

[@shaniat.4085]

Just a quick note: Ik it probably doesn’t rub people well that Caleb talks about the future burden on children that parents having poor financials can cause. Ik it feels like a dig to say people are not taking care of their children when they make BS decisions. But as someone who has watched the end of this story play out with my parents/grandparents, and who fully expects to have to support my own parents in retirement, I CANNOT overstate how right he is about this. I am anxious all the time thinking about how I’m going to support myself and my future AND that of my PARENTS, The people who are supposed to be helping me and my siblings. It’s one thing to give your time and energy bc American healthcare sucks, but the financials should not be a burden children have to worry about. Something for those who think it’s harsh of him to say to consider

[@ghhm2705]

Who cares if he is being harsh, he is telling the truth! Many Americans are in trouble because they avoid the truth.

[@ghhm2705]

As for your parents, it is NOT your responsibility. You are called to honor them, doesn’t mean you pay their way. Their life is their fault. Just as your life is your choices. Pray for them, show them honor, and then get busy doing what you were created to do!

[@camrynjade3244]

it’s not just as simple as saying “it’s not your responsibility”. of course it’s not, but when your parents are older and don’t have the means to support their lives what should you do? say that’s not my responsibility and let them live in bad/uncomfortable situations? possibly, and that would be a valid thing to do because their lives are their own responsibility. however, it’s not going to be easy on the child. it’s would put a tremendous amount of guilt on the child even though they don’t deserve it. i think about this a lot with my mother. my grandfather still supports her in her late 40’s. i’m scared it will be me after he’s not here to do it. anyways, you have to imagine what the situation would look like for your elder parents, and if you’d be okay with them suffering in their old age even tho it’s from their own doing.

[@Liv0Sage]

I can see both... I took care of my mom when she was sick and her estate when she passed... I cannot and willnot do the same for my father... I just mentally can't. However, my dad will be retiring hopefully in the next 5-7 years, hopefully I'll be in the place where he can have a smaller apartment... but if I need to take care of him or pay things for him, that's not happening, I can't do that, and he fully understands that.

[@lucillebaldwin6659]

Thank you for sharing.

[@davidsensing2664]

Wow. She doesn't need a personal trainer. She needs a financial conservator to protect her money from herself.

[@sethsha7826]

she could easily work out at home for free using youtube. She is clearly eating junk food everyday, and working out will only do so much. Getting a great bod starts in the kitchen.

[@davidsensing2664]

@@sethsha7826 1000%. Garbage in…garbage out.

[@techyin326]

something fishy about his personal trainer

[@bryankovar2930]

She ate her personal trainer!

[@LVUFC]

I swear people don’t understand weight loss and training is literally as simple as Calorie intake x training to failure x rest. Like it’s literally that easy eat -300 calorie your maintenance calorie and do elevated heart rate cardio. No one needs a $450 a month trainer, he’ll never tell you anything a decent KZbin fitness dude won’t.

[@iluvworldofwarcraft]

I make double her income and exclusively get my food from Walmart (unless there's a rare occasion I can't find a specific item). I absolutely refuse to shop at Whole Foods even though i could afford it. It's robbery and preys on people who equate healthy = expensive.

[@jonhjones4141]

100% started to get almost everything from Walmart.

[@Jiraiya55]

Same. We bring home good money and VERY rarely shop at Whole Foods for an item or two or maybe a specific dinner we're making but never a whole trip. Grocery trips are reserved for Walmart.

[@BobbyGeneric145]

Whole foods ingredients quality has plummited since Amazon acquisition.

[@piccolo54trunks2]

As soon as I heard that she flew from Dallas to Austin, I knew we were in for something 😂😂

[@tamardolev1664]

Her: "He only eats organic" Also her: Chick-fil-A 20 times a month.

[@Milkugh]

No this literally has me losing my mind

[@tmoney2877]

When he said “ ohhh we love that chicken” I literally cracked up they love that chicken brother 7 days a week

[@amyomeara2515]

Return the furniture and sit on the floor til you’ve saved up for a chair. Return the Kohls. Do your own makeup. Cook your family‘s meals. Wear the outfits you already have. Use the YMCA and a free training program. This episode was insane.

[@papabear2515]

100%

[@jessip8654]

Cheap furniture like dining tables is plentiful and often free on secondhand sites, and new $200 futons can be used as a couch or bed until you save up for something nicer. There is really no reason to go into debt for furniture.

[@WoodyJ98]

Get furniture from the thrift shop

[@jaminwaite3867]

Ymca training isn’t free. And planet fitness might be cheaper

[@amyomeara2515]

@@jaminwaite3867 it’s $20/Mo for a membership and there are so many free training programs. Body space, fitness blender, StrengthLog lol I’ve never paid for training

[@BlackandBluefins]

I'm a stay at home dad that work nights & weekends. I shop at Aldi and Walmart for food. I feed a family of 3 for $100-$125 a week.

[@Immortal4everable]

I’m forever grateful that I married a very financially literate and responsible man. I could not imagine the two of us trying to raise our kids and run our home like this woman and her bf. Spending money on experiences over obligations will never end well.

[@booboosparkz]

And it seems like her bf doesn’t want her in the future. Or maybe he doesn’t know her financial issues.

[@lindsayturner6855]

The fresh salmon part was what floored me. She’s taking out payday loans for Chick Fil A and draws the line at fresh vs frozen salmon when she needs to be eating tuna helper.

[@baconoftheark]

Canned fish is fine if you want a quick snack. I love my tuna melts. Canned tuna, mayo, mustard, diced pickles, celery variety of spices, black pepper, lemon juice served on top of a toasted butter bagel/bread. That meat would cost you at most $5 for 2.5 meals. Fresh Salmon is good if you get the crispy salmon skin with the flakey salt. That's my go to meal fancy meal with roasted vegetables and rice. 👍

[@reagan2512]

@@baconofthearkpackaged tuna also has a ton of protein.

[@savvyroca]

😅😅😅😅😅

[@kenya1067]

​@@baconofthearkthat sounds rather tasty. Thank you for the idea.

[@baconoftheark]

@@kenya1067 Aye, no problem. It's about the texture, spice level, acid - balance meal :). Lemons don't cost much and add a lot more flavour. Cheap uni meals from when I was 18 xD.

[@Bruh-jm4um]

This isn’t even financial illiteracy, this is peak entitlement. This woman and her boyfriend make way too much money to be living like this, all because she wants fresh salmon and expensive baby food.

[@nikki-vk9vq]

Right. "People say it's the same stuff but cheaper but idk..." basically saying yeah we could spend less but we won't. "My baby has everything he needs." Except financially stable parents that won't rely on him and financially burden him as an adult. Plus what happens when he gets more expensive? Needs more clothes, eats more, wants to do sports, join clubs at school, wants a phone, wants hobbies, has school lunches and text books he needs to pay for? When they're taking out payday loans for $80 that doesn't seem promising.

[@emilyau8023]

This is common in people who come from poverty because they want to get what they lacked growing up. Deprived of external gratification. I think this happens less in people who were shown love in childhood while being poor cause they would have less of an empty feeling.

[@socalpamicakes7977]

Watch Gordon Ramsey: All seafood is shipped frozen.

[@terriplays1726]

@@socalpamicakes7977If you live at the coast you can get it fresh, and elsewhere there are few high end stores that get fresh supplies - mostly for expensive restaurants.

[@danielab1924]

I NEED to know what kind of baby food she’s buying at $1200 a month. That’s like $40 a day. I live in one of the most expensive areas in the country and I don’t think I get anywhere close to that for 2 kids let alone 1.

[@TheSimba86]

"the baby is pescatarian so that's why the food is so expensive" she's not going to make it LOL

[@maryoglevie]

Me sitting here 3 weeks after my 2014 Nissan Sentra needed a replacement transmission because it died anddddd I had NO emergency savings.

[@livwake]

Well you’ve learnt now if nothing else

[@rigatoni2000]

Girl I lost so much empathy when she said she needs the fresh salmon from Whole Foods. 🤦‍♀️ that is a LUXURY. Even my wealthy parents never buy fresh salmon because it’s so much more expensive than frozen here in the Midwest. Fresh tastes better, sure, but when you’re DROWNING financially you don’t get the PRIVILEGE OF EATING FRESH SALMON!!! Aaaaghh I feel for Caleb in this episode.

[@evalyn3975]

The Costco frozen one is delish try it it even come proportion in nice packages

[@eerenay]

Flash freezing kills parasites. I would not want fresh, never frozen salmon in Texas. I bet the "fresh" salmon she's buying at Whole Foods was flash frozen on the boat it was caught on, thawed at the fish counter and sold for a mark up as "fresh."

[@jasonhughes5329]

Do you actually think the “fresh” salmon in Ohio was never frozen? Unless you are overnighting it from Alaska, it is certainly previously frozen.

[@Anna-qz6xw]

I thought all “fresh” was previously frozen and defrosted at the store. Frozen and defrosted usually cost the same. We buy frozen but during our last shopping trips to Costco, “fresh” wild salmon costed significantly less ($10) vs frozen $13 so we bought that. Farmed defrosted was $13. We live in weird time. I’ve never seen farmed salmon costing more than wild.

[@teresaalbin-davis4529]

It's not about being fresh anyway, it's about getting wild caught

[@Hosander2202]

Spending $11,000 when you make $3,000 and not seeing the problem is absolutely crazy

[@ShinigamiMoon]

I’ve absolutely fallen in love with this channel and it’s only my second video. This woman in particular is a perfect example of the financial troubles I’ve found a lot of my millennial friends getting into. They make good money but spend compulsively and often forget about things they’ve bought or it’s set up to auto-pay so it gets lost in the shuffle. I’m not a money master, I pay my bills on time and always pay off my credit cards, but I was lucky enough to be taught strict rules about money and cards that have helped me to keep my head above water and not have to think about buying myself little treats. I’m so glad this channel is around, and I hope more people see these videos. Thank you so so much!!

[@breevans5219]

My brother had/has a lot of allergies and sensitivities as a baby/toddler and growing up, my parents had to go to specialty stores so he could have food that didn't trigger an allergy...but they also were able to go to regular stores for things they knew wouldn't affect him. She's 100% being a snob when it comes to her baby's food. She didn't mention he needed the special diet due to health concerns or allergies because that should have been the first thing out of her mouth when Caleb mentioned the baby food.

[@nikoletahanakova8573]

And that would likely be mentioned as an item in the budget among medical expenses. Because there would have to be a doctor visit for it to be diagnosed.

[@AnonAmerica11]

She's a snob period. Whole foods. Turns her nose up to Walmart. She needs to shop at Aldi. She can't even afford Walmart in her situation.

[@sakaya9878]

This girl is in a situation where she literally has to borrow 80 bucks and she dares to think she is too good for Walmart?

[@acfirby]

Nobody is too good for Walmart. Good lord.

[@mariamiyam6991]

“Is it fresh salmon,not frozen. I want to eat healthy…” proceeds to buy chick fil a like every other day on bank statements 🤦🏽‍♀️😂

[@alovette5755]

Don't forget in and out

[@tatattaylor]

She being picky as hell but eat out multiple times a day. She is tripping 😂

[@booboosparkz]

And she said something about eating tilapia 😩

[@mxandrew]

Thank you for coming onto the show babe!!! I’m certain this wasn’t easy for you but you and your baby deserve better!!! You can be better and set him up for success too.

[@mikel518]

The delusion is unreal. Worrying about healthy groceries? Bro you doordash twice a day!!!

[@mikedoyle5901]

Buying a plane ticket because the check engine light is on in your car says it all. Borrow off anyone and with no intentions of paying back the money. Sure she owes friends money and then stops talking to them.

[@airthrowDBT]

I want to know how long the CE light has been on...so you flew instead of drove without going yo O'Reillys and checking for free what the code is?

[@ghillies4life]

@@airthrowDBT I have a faulty sensor in my car that sends the check engine light whenever it's really hot or really rainy. I just keep a code reader in my car to make sure it's the same code and clear it. 👌Been doing it for 8 years now. The check engine lights can mean a lot of things.

[@ipodtouch470]

@@ghillies4lifedepending on the sensor you should probably get that checked out or change it yourself.

[@hunkeringdownwithlanny3900]

Even new cars driven out of factory door, could break down.

[@ghillies4life]

@@ipodtouch470 I got it looked at. They told my it's just a faulty sensor and doesn't matter.

[@Scardor]

Are you telling me she is actually above frozen salmon while having to take out pay-day lones to pay for her daughter's daycare? This is absolutely WILD.

[@opmaus]

Also...in Texas, pretty sure any salmon we get at any grocery store was frozen before it got shipped down here from wherever. They just defrost it for the fish counter.

[@musicfeedsme100]

​@@opmausindeed, I'm pretty sure all fish commercially sourced is flash frozen onboard the vessel...

[@applefarm6126]

Her son’s*

[@podenco]

Almost all fish and seafood is flash frozen for safety and longevity. It may be thawed at the store but is almost certainly identical to the frozen stuff at the same store. Thaw it yourself if you aren't going to eat it that day

[@ritakay7113]

@@dmp608specifically grease filled fried chicken that will clog her arteries, but don’t even think about suggesting non-organic food 🙄 why have a trainer if you’re stuffing down fast food?

[@WitchChangkyun]

When she said she hoped to retire before 65 and working till 65 was crazy I was like, girrrrrrl lol. The delusion is real.

[@kierawelch2106]

Caleb, your fucking awesome dude. I love how you encouraged her and told her she matters in between reeming her for her spending. She matters as a person, and we all make mistakes- especially those of us when we don’t have the proper financial education , myself included! I love learning about finances through your channel. Thank you!!

[@sweepauto]

feel like caleb should do a pallet cleanser. interview someone who has finances in good order but wants to find ways to maximize an ROI on investments with any extra money they have.

[@teniechac9556]

I agree. I want him to help some people who are doing better level up so badly. He deserves it.

[@m_here1]

I also think this would be great advice, especially for people who are trying to avoid overspending once they get a raise.

[@organiccottoncandyco.3631]

Caleb is unfortunately not a financial advisor, and he is not licensed to give that kind of advice.

[@Playingwithproxies]

@@organiccottoncandyco.3631 so basically he can only give advice to people with negative money

[@MelissaEdwards86]

I am a mom, and I have helped feed my adult younger brother-in-law who has a million food allergies plus additional food restrictions. $1200/month to feed a 2 year old is a level of insanity I cannot even begin to comprehend. I understand wanting the best for your child, and maybe she has this idea that if she feeds him the absolute best it will protect him from anything bad that could possibly happen, but this is taken to the point where it is hurting her son in the long term. You can feed your child a good balanced diet for very little at that age. It doesn't require much! And remember that expensive does not automatically mean better. "Organic" is an unregulated marketing term in this country. It is not a guarantee of health or safety.

[@William-Morey-Baker]

USDA organic is regulated, but it doesn't mean what most people think it does... and even buying organic, a toddler doesn't eat NEARLY enough to cost 1200 a month... that's just egregious and frivolous.

[@genxx2724]

@@FRAME5RS I’m financially independent and I don’t shop at Whole Foods. Wait, that’s how I became FI . . .

[@haute03]

@@FRAME5RS I concur and if you can, eat local. Many communities in the suburbs have local farms that have CSA programs that will even take SNAP or EBT. I spend $25/week for a week's worth of produce through one of these programs.

[@la6136]

@@FRAME5RS Regular produce with thin skin still absorb the pesticides even if you wash it. Main chemical to worry about is Roundup which is the most common and the worst one which is the reason for organic.

[@rebeccashields9626]

@@la6136what evidence is there for this though? You are worried about Roundup but what precisely do you feel it will do to you and what evidence do you use to make this claim?

[@Afan1985]

We call this tough love! It is so needed, especially in the world of personal finances. Thank you Caleb!

[@Saharah253]

She’s not scared enough to change. She’s still at a stage of denial where she can make excuses. That day will come and I hope it doesn’t send her over the edge to being suicidal/developing a drug addiction/alcoholism, cause that’s the only logical conclusion if she carries on this way. Sometimes you need to be rock bottom before you can do anything though

[@dyates6380]

No. She's not in denial. She's just very immature and still wants to live like a teenager. She wants, she swipes, and then the excuse to this guy is "I ran out of money so I missed the payment". As for the latter part of your comment, she doesn't care enough to be sent "over the edge". She'll most likely do what most irresponsible and financially ignorant people do, and that's file for bankruptcy and just start over when it's relinquished. Look at her. He's yelling at her (admittedly, I have NO idea how much of these are scripted, and frankly, I do believe some are) and she's looking back with a half smile on her face, a shrug, and replies with another excuse. LOL. Nothing will ever phase her.

[@insertoyouroemail]

My little sister is like this. You can't reach them. It's like they're not quite switched on. Notice how she mechanically says things like "oh my gaaawd" with no emotion. She is completely detached from this.

[@atlasbonds6095]

I also have a sister like that. It blows my mind how much money she can blow with nothing to show for it.

[@valeriemcilvaine8235]

$1200 on baby food and $450 for a personal trainer was the craziest thing ever. Millionaires don’t pay that much for those things. Why on earth did she think she could live like that???

[@cyoohoos]

One word. Atlanta

[@gen1130]

oh they do. but they can afford it

[@michelleweber7034]

I used to work for a very wealthy woman as an assistant, and when I shopped for her, she would always ask for grocery store brand products (the cheapest option). She would spend her money on other things because she could, but she didn't across the board spend all her money on premium everything. It was really helpful for me to see that! Save where you can so you can spend your money on the things that really matter. 👍

[@laurab5849]

@@michelleweber7034wealthy people rarely show off their “wealth” in these ways. I think she likes the status of saying she only shops at Whole Foods. Rich people have nothing to prove.

[@datownkidd]

What people will do to make people think they're better off than they really are. Honestly you csn youtube all workouts and I don't know about the health impacts but putting a 2 year old on a pescetarian diets seems utterly pointless. Also now that I think about it why is she spending soo much on childcare if she wfh. I know plenty of people that wfh and take care of their toddlers.

[@katietravadi2362]

i came here from tbys’s shout out of you and i just wanna say this whole concept for your channel is complete gold and your videos are super interesting. 2010’s reality tv wishes they had your idea

[@Fearienify]

This channel makes me feel so much better about my life and Im not even in that bad of a spot

[@shy_sorai_vlogs]

The way she smiled and said "no, Drake did see me" to justify spending $110 on getting her makeup done for one evening when she regularly uses payday loans... The future is bleak 😓

[@tylerkinley268]

Indeed. Why pay more money to look good for someone who youre paying just to see in the first place? Do some women think the millionaire performer will see them/fall for them and give them a fairy tale lifestyle? With what tickets to shows cost now, they are lucky people have clothes to show up in!

[@deezelfairy]

​​@@tylerkinley268After watching a lot of Kevin Samuel's videos it's terrifying how many women actually think this way. They truly believe that magic 'sugar daddy' is just around life's next corner. It's sad, you have a huge percentage of women chasing after a tiny percentage of men which results in people being sad and miserable just because they're deluded in their expectations.

[@LMoney4]

Dude was trying to look around her to see the girl behind her. Regardless, he will never remember her face and will never know her name. Didn't matter if she dropped 100 or 10,000 on makeup and clothes.

[@pinkandjewels]

Right! All that for a man who doesn't pay her bills. At the end of the day, she's still broke.

[@macairhead5137]

Also: she’s not single!! What a disgusting mentality.

[@lodigr]

I can't believe she got 48 minutes in to having her spending habits ripped apart and she still decided to argue about shopping at a cheaper grocery store. WHY did she decide to do the audit? Just watching these videos has helped me start rebuilding my emergency fund and budget for a future vacation. If the guests aren't receptive at least the youtube viewers are.

[@beckypetersen2680]

I am sure that is the hope that Caleb has for these shows, because surely when he finishes one like this he doesn't have much hope that she will change. But the show shows completely how unreceptive she is to change and justifies really frivolous spending as needs.

[@iiWaffles95]

Yeah I got upset at that part too. You can't afford the fresh salmon if you're taking out $80 payday loans and have a few grand in collections, sorry. Buy chicken, rice, beans and veggies like the rest of us.

[@hoobidibahentertainment6496]

@@iiWaffles95I need a good tutorial for making rice lol any time I try to cook it I either don’t cook it enough and it stays crunchy or I cook it too long and it all turns mushy. Only rice I’ve had luck with is that “boil in the bag” rice

[@amandajones7939]

for real, my 10-year student loan repayment plan has been wittled down to 3 years after discovering this channel. Anytime I want to get something stupid like ice cream or whatever, I imagine Caleb's voice screaming, "TAQUITOS!" and I stop myself.

[@IsaacCoverstone]

@lodigr she gets paid to show up and get interviewed, they all do. Basically the payment is enough to justify the cost of traveling to the studio.

[@codywiggins5837]

Saw some clips on TikTok and was interested. After watching a few videos I know this man would put me to tears. I'm scared thinking of his reactions to my overwhelming stupidity lol. Thankfully my wife is more fiscally responsible and is mostly in charge of finances and has helped me crawl out of a hole or two.

[@ramblingmillennial1560]

What does she mean that's what her kid eats?? He's literally 2. Don't even know why she's buying baby food. Just buy normal food, feed him whole fruits or puree them yourself at home. Learn to cook and stop ordering out. Spending 11k in a month is insane.

[@derekhudson3462]

The fact that she took out a payday loan for $80 tells you all you need to know about her ability to manage finances.

[@Trouble226]

I knew it was over the second I heard that one.

[@jacobrheaume1]

It’s actually heartbreaking…you tell me which is worse not having $80, or knowing anyone who can loan you $80 or taking the payday loan

[@slf5141]

Payday loans for $80 ?

[@atlaslex]

I found that so shocking. I associate any payday loans with crisis, abject poverty or addiction. Why anyone with a decent paycheque, a partner with a decent paycheque and no obvious drug problems would even contemplate such a thing is beyond my comprehension. I earn way less than her and it would literally never cross my mind.

[@omotayosatuyi252]

It's sad with all the money she is making she can't find 80 dollars to pay for something instead she has to take a payday loan for 80 bucks with a crazy high interest rate. I mean damn 200 something percent I have never seen that

[@rocdesigns700]

Hey Caleb, love the vids and I'd love to see a 'debt bar' throughout the video as it can be hard to follow how much debt there is in total. Just an idea!

[@scottmcgilvery8511]

Awesome idea - upvoting for this

[@tiffanymossuto9720]

I agree I get so lost when he's naming the debt

[@charlololol]

Yes! I have ADHD and can zone out sometimes when it’s a lot of talking, would love to see more graphics

[@tricialaney2408]

I would like this

[@GJM000]

Brilliant

[@KaiOliverYKH]

This made me check my credit card and plan my meal prep this week.

[@ThreadandHue]

The way these videos made me never want to buy anything unnecessary until we are completely debt free. SUBSCRIBED!

[@milesfarley2831]

'I saw him, we made eye contact" People in this world fucking terrify me

[@jogandsp]

Right? Like good for you, but you're going to die in poverty and your child is going to have to watch that

[@wanelly]

😆 🤣 😂

[@debasishraychawdhuri]

Before I watched the video, I thought this was her talking about how she met her boyfriend.

[@CrestOfArtorias]

"We made eye contact" ok and? You make eye contact with dozens of people every day, does it mean anything? Nope. Same is true for Drake. Like for real.

[@purpurina5663]

I was waiting for Caleb to say "you made eye contact, he fell in love with you and will pay all your bills? No? Ok then"

[@hollyhsu352]

As a mom of 3 boys, I can absolutely attest that feeding strictly organic to a child that eats dirt, boogies and anything else they find on the floor is absolutely absurd (UNLESS there’s food allergies)

[@jmacindc]

she was suckered in by marketing. i don't fault marketers for doing their jobs well, i fault corporations for being evil and preying on consumers. all to say - i agree with you!

[@matthewsherriff-growingfoo3110]

And how is a two year old a pescatarian like one day he stood up and said from now on I can only eat fish

[@gardenstate732]

what???? you think that your childs health isnt worth it they are made exclusively with the stuff they eat so...

[@summeretry251]

​@@gardenstate732I have a human nutrition degree, organic is just marketing. Not any better for child development than conventionally produced food.

[@jmacindc]

@@gardenstate732 children's lives are priceless. but, if you are living beyond your means then you are not respecting your child's future. you can find TONS of plenty of whole foods (not the store, the type of food) that are extremely healthy without buying all of whatever she is buying in order to spend that much on a child. your child's grocery budget should not bankrupt you.

[@CJ2023Incognito]

50:27 Worried about the “fresh salmon” and buying “healthier foods”. Girl, just focus on stopping the take out!

[@tiatrades]

Sending love to you sis. I hope you make it, unfortunately you're gonna have to unlearn alot of old habits and learn alot new ways of doing things. Start cooking at home, baby boy can eat the same food as you. No more parties, clothes and going out. Get strict and accountable, when times get hard, go to the gym and just sweat it the f out. Good luck, you got this! You can pull yourself out of this and i wish you all the best ❤

[@tessrobin4548]

No one who has a busy toddler needs a personal trainer. She's tripping!!

[@jaydehy]

I’m a teenager, these videos are really entertaining but I’m also learning so much! My parents are not very financially literate so I’ve had to learn from people here and there. Appreciate all you do Caleb ❤️

[@garethmcivor8413]

That’s hard to read.. but great that you recognise it. Financial literacy is so important! Respect 🫡

[@terpsurfer7221]

Most people suck at finances. Don't leave these videos, kid. As someone who is over 30 and trying to get his shit together, I wish this kind of content was so big when I was in school... Who knows, you might be the inspiration for your parents to get some financial knowledge.

[@webguy943]

​@@terpsurfer7221bro im older than u n u know damn well u could have taken classes on personal financial budgeting or even read books on how to manage personal finance. No excuse. U were just too busy partying all the time. 😂

[@teedani1]

Keep watching its real out here. Make sure you can always handle your business.

[@nooneknows689]

My advice to you as a young person, read books on investing and start early! Good on you for taking the lessons from this! Your future self will thank you for this.

[@danilotusflower]

Everytime Caleb was reading off her statement it gave me real anxiety. When me and my husband became homeless shortly after we lost our start up in a fire I was watching my credit card go deeper and deeper into the negatives while we had to get food at the food bank to eat and using campground showers with strangers to keep myself clean for work. By the time I was able to do anything about it I was thousands of dollars i n debt, couldn't get credit anywhere so we had to get by with what we had. Today I am less than $500 to being 100% debt free other than our house payment and my credit score is decent considering I thought I'd never recover. But THIS is terrifying.

[@NapoleonicWargaming]

Congrats to you both! well done!

[@danilotusflower]

@@NapoleonicWargaming thank you!

[@cloverazar5315]

Congratulations on the hard work of recovery! You can’t change circumstances - only how you react to them, and it sounds as though your entrepreneurial mindset and self-discipline came through. Stress reveals character, and you and your partner are clearly made of some quality material. Best of luck to you on the new endeavours, and wishing you a unicorn in your future! 🎉😊🎉

[@criticalt3]

Right? I could never imagine being this far gone in debt and especially not on things so trivial and whimsical. Everyday I'm scared to death of an emergency expense I might have to pull out of savings for let alone payday loans or credit cards. Jesus.

[@jogandsp]

Congratulations! Glad you were able to pull yourself out of it!

[@wamz9191]

When she said she NEEDS the personal trainer, I was like, Girl.. GUUUURRRLLLL... 😅 Come on now... You live on fast food... How about cutting out the junk, cooking more, and move your body more. Like, walk outside, run... You DO NOT NEED a personal trainer 😂😂😂

[@wamz9191]

Oh... Oh .. oh... Frozen salmon is where she draws the line 😂😂😂 Feed on junk 7 days a week's but noooo, frozen salmon is sub-par. 🙄

[@Lifewithnani1217]

Damn , if she is bad , I’m absolutely insane, I don’t know how this video started playing but that was the universe, this is a video I needed to see coming into the new year 😭😭

[@dustinseth1]

Wait you’re in a situation worse than her? Holy shit, good luck friend

[@dking1362]

Summer says she is a visual learner, so here is a written list of steps she can take (some Caleb's, some added): 1. Cut the personal trainer. 2. Change grocery stores. 3. Lyft/Uber: What's that all about? You have 2 cars? Can you eliminate or cut that at least in half? 4.. Eat at home. If "cold turkey" is too tough a change, allow yourself once per week. And pick it up yourself. No delivery fees! 5. Work with your partner to make a list of at least 12 things to do that are fun and don't cost money. A start: Take your child to the park. Do a puzzle. Play board games. Put on music and dance. Wander through a free festival... Eliminate all concert, vacation, travel expenses for now. 6. Childcare: A necessary expense; could you schedule most of your meetings in the mornings or on 2 specific days per week? This would allow you to have a nanny, but for much less time/expense. 7. Watch KZbin Videos on meal planning/food prep. Everyone in your house eats the same thing (more veggies are good for your child AND will help you lose the baby weight!) Invite a neighbor, friend, co-worker over to teach you how to cook their "specialty." 8. Consider using the Envelope System. Put the actual cash in labeled envelopes according to your budget. When the envelope is empty, you are done spending! You can also learn more about this online. 9. You are at risk since you are not married; what if you break up? Consider whether you want the financial protection and commitment of marrying your child's father. And start setting aside small amounts of cash to protect you in case the relationship doesn't last. 10. Develop a bill paying system that helps you prevent paying bills late. You can automate some, or pick one day a week.... 11. Consider taking a course in personal finance from your community college or working with someone who has their financial act together.

[@jennteal5265]

The Lyft/Uber is almost guaranteed "designated driver" stuff. Meaning she's drinking. And that's EXPENSIVE

[@fae10]

All great tips, but especially number nine. If they break up she’s in a serious amount of trouble. I can’t imagine the stress of knowing you face potential homelessness (I would assume based on the 11,000 spend per month with only a small portion of that given to the rent) and bankruptcy if a relationship fails.

[@dking1362]

@@jennteal5265 Right?!

[@dking1362]

@@fae10 Yes, my thought exactly.

[@katherinecade7191]

they break up and she gets child support to misuse or daddy gets custody because mommy can't pay her bills. @@dking1362

[@glorytogodforallthings8448]

She handled this interview so well!!! I hope this was a wake up call for her...even though it must have felt so embarrassing going through this she recognized she needs help and went for it. Good job!

[@briam5706]

$1200 a month for baby food is wild. I really hope she gets out of this. I hate to see someone in my age group in so much debt. It makes me want to get a handle of my debt even more.

[@CarmenBuenrostro]

Making fresh food at home would be better for the baby as well. She was so hung up on what’s healthy and he’s a pescatarian…well it’d be cheaper to cook for him at home AND healthier.

[@juwairiyahummabdullah]

Why does the kids need the organics food?? A 2 year old can easily eat along with whatever the family is eating

[@CarmenBuenrostro]

@@juwairiyahummabdullah because this parent is trying to give their kids food that’s going to possible keep them healthier. I get it but you are right, the baby can eat what they are eating, but feeding everyone organic would also be more expensive.

[@juwairiyahummabdullah]

@@CarmenBuenrostro if she would cook in the house she would save money because now shes ordering the premade baby meals and chick fil a for herself all the time, even cooking organic food at home would be cheaper than takeout for everyone

[@CarmenBuenrostro]

@@juwairiyahummabdullah no cooking organic at home might be the same price at eating out, realistically, especially with food prices right now (in the us at least, I’m in CA and it’s very expensive) however, she’s not eating organic when she’s eating out so why is she complaining about HEB. I think if she is so set of feeding the baby organic only, it wouldn’t be hard to make a separate organic meal for baby, she only has one anyway so it’s doable and cheaper making it herself. Also so worried about baby eating better but she’s microwaving all that food smh, home made is the best option to meet all her goals when it comes to babies food. Organic doesn’t mean healthy if it’s all still processed

[@FRBSUWOO]

Guest: “I don’t want to work till I’m 65 that’s crazy” Caleb: “okay Ms. Payday Loan” 😭🤣

[@javaskull88]

She’ll have to work to 70, probably much later, later unless she changes. I’m not optimistic.

[@Aus10c]

@@javaskull88assuming she lives to 70. She will be working on the way to the funeral

[@Cattiva]

That was 🔥

[@119jle]

I’m still working at 66. Full time job. Soc Sec and pension. Bring home $9000 month. No bills

[@ChUnKySaVaGe]

Thankful I found your channel, I am so dumb when it comes to all of this, thanks for what you do and sharing your knowledge and passion.

[@yourdensity6170]

I never understood why people that made the same amount I do were always talking about being broke. Since watching this channel I now understand.

[@Steph-ih8jz]

They spend 1200/month on a toddler food subscription that’s insane. She goes on about it being organic but it’s all prepackaged to be sent out. 1200 is almost what a family of 4-5 survives on. She has all of this time to get her makeup done, shop, and eat out but can’t learn to cook or meal plan. Insanity.

[@rebeccashields9626]

My family of 4 spends half that. Including my and my hubby’s craft beer addiction. I seriously don’t understand how she gets to $1200.

[@dongriffith2662]

@@rebeccashields9626 because of food allergies, my fam of 4 pays about 750 a month. this is absurd for a infant

[@FALCORTON]

What didn't make sense, SHE WORKS FROM HOME.. All the meal prep can be done at home. One of the biggest reasons I love working from home is the ability to prep all my meals and save tons of money and temptations of spending money.

[@sunbeam3658]

i spend around that much for just 2 people, never eating out, mostly organic food, so i assume thats what she is doing 🥲im trying to lower it!!@@rebeccashields9626

[@500dollarjapanesetoaster8]

All but one of her collections items could've been paid off in one month with her ridiculous excess spending! There is no way a 2 yr old could eat $1200/mo. She could eat in a restaurant every day of the month for that kind of bill. And I'm broke so I'll go to a Drake concert. omg...

[@wilmara24]

In the past I’ve always question how people in my age group are able to buy those fancy clothes and go on many of those extravagant trips, until I quickly realize these people are going into debt just for the illusion of success. They’re also not contributing into their retirement plans (which is absolutely crazy to me). I’m happy for channel such as these for casting a light on for many to see what’s behind the curtain.

[@13ikea]

Especially those payment plans. I know a lot of people that use pay in 4 for travel and clothing.

[@jadiecakes3241]

or they have parents who help out and they just wont tell you. Never had an official car loan and been on a few holidays. My parents paid and i just paid extra rent (which was well below market anyway) till i paid them back.

[@amandab.6815]

Wait, $440 on a personal trainer but also spending hundreds on fast food and door dash every month?!?!?!?! You can cut both of those and end up better financially and in the same place health wise. And food for a toddler should not cost 4x more than food for an adult. I say that as a mother myself.

[@sarah_gabor]

Appreciate your channel so much. As someone who struggles with spending like this it’s super helpful to see this and I feel less alone, and like fixing it is possible. I’m very grateful I’ve never borrowed money and I know myself well enough to not even touch credit cards. But these habits have to stop so I can build an emergency fund, retirement, etc. Thank you.

[@cassiejmoreno]

I'm also 28 and the idea that "everything after bills is fun money" is soooo dangerous for women my age! I don't know where we got this idea but we all have to convince each other to stop it!

[@melc9910]

It’s dangerous for women at any age.

[@piercexlr878]

Its dangerous for anyone at any age.

[@JimBob1937]

Yeah, I like to save most of that. If I do get some extra money, like a bonus or some good stock returns and want to splurge, I still do a 50/50 split. Half towards something fun and half towards investments or savings.

[@veronicaescalera3421]

Warning tangent* The concept that "I worked hard, I earn this" mentality too, is hard to break. I'm still working on this myself so I know first hand on that saying and the "I saved some extra this month so let's go out". There's also a sub emotional part when it comes to investing into appearance, where there's more pressure on women to look a certain way. So getting personal trainers, makeup, skincare, clothing, hair etc adds up QUICKLY and if you're in office and public environments where you're being showcased.. Yeah, you're probably going to make more tips or get noticed more in the office because of how you display yourself. Is it right? no. Is it prevalent in many cultures and societies? Yes. (This also applies to men but there's more of a financial target for women or in the feminine spectrum) So if you have left over to spend on an expensive serum or getting your hair done etc and you have the "I earn this" mentality, it's always going to bring yourself into debt.

[@ImCanine]

I'm 27... With house paid off dream car, paid in cash for a decent motorbike, debt free other than my mortgage. I truly can't understand these people. I don't know how people can burn money like this!