Worst I’ve Ever Seen | Financial Audit

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[@AbigailAnn]

Elise, you should know that after law school, you will have to apply to your state’s court to be licensed/barred. One of the elements of that application is an extensive background check into your financial history. If there are records of you not paying your bills on time, the court may see that as evidence of dishonest character and it may complicate the process of you becoming an attorney. I just want to give you fair warning that if you do want to pursue law school, you need to get your finances in check ASAP. I wish you the best of luck in your endeavors!

[@roselyntyson559]

Thank you for this comment! Definitely needed to be said. It will be impossible for her to practice law if she can't get through the bar exam and subsequent background check to get sworn in.

[@emilyholley97]

I hope she sees this, very important point!

[@ST-wo3uw]

Wow, I didn't know that! Great point!

[@_himesama]

show her parents this!!!!

[@funnytime1111]

Like so she sees this!!

[@ST-wo3uw]

If you don't want a job harder than being a cashier at a grocery store, you should NOT go to law school.

[@bellla333]

dude this comment is so underrated 😂😂😂

[@userunknown7675]

So many people opt for law school for the wrong reasons. 1. They didn't know what to choose. 2. Because the jobs they know off paid well/are good for their social status. 3. Because of preasure from parents. Most of them drop out after a year maybe 2 at most. At that stage they probably have heard enough horror stories to reconsider those "awesome" jobs and their motivation is gone.

[@_2315_]

@@userunknown7675 💯

[@akirebara]

Yeah, I don't see it either. She's going to fail.

[@marudoethiopia]

The number of law students unable to pass the bar nowadays is also disheartening. It's financially catastrophic to be in that situation. But the schools are still accepting these marginal students!

[@milelisa]

Girl, in the nicest way possible, i almost screamed when he said “try to sell the Apple Watch” and you said “how” 😭 like pleaseeee, not everything is given to us on a silver platter, especially if you want to go to law school!

[@WowzaTalent]

And doesn’t know where to look for jobs like cmon these are basic adult tasks! And she wants to be a lawyer! It’s too much omg

[@milelisa]

@@WowzaTalent exactly! she said she’s been googling, like girl if u dont get a linkedin and put a resume together rn 🫠 it physically hurts to know people are like this

[@joemachine4714]

Walking the street with a trench coat and hat, "psst... wanna buy an Apple watch?" 😎

[@oliviacarter1517]

The whole time I was watching, literally all I could think was “that’s my lawyer dawg, I’m going to jail!”

[@jacquelinemarie9655]

@@oliviacarter1517 I feel for her and also this made me laugh out loud. Imagine an attorney walks into the prosecutor’s office and two minutes in “give me the best deal you think my client can get”🥲🤣

[@TheDeadlyTikka]

Hearing her say "I didn't get the proper college experience" is scary. Imagine if she did, her debt would easily be doubled

[@revinaque1342]

Yes! And the idea of going to LAW SCHOOL to get that "college experience"??? Her debts would skyrocket!

[@ryanc2927]

People learn by mistakes, experience or theory. She is learning by the latter. She’s like the majority of students who love to Hear smart professors teach philosophy and what happens next but truly hate to pay for them. Pretty sick actually. College education has become a generational excuse to take out debt and kick the can! The irony is that a good teacher wouldn’t say any of these so called students are accountable.

[@jackb616]

“I’m not ready to do all that work yet” is not the best attitude for an aspiring lawyer.

[@November14th2011]

💯

[@silverfresh]

Imagine as a defense attorney.

[@barnabusdoyle4930]

What do you mean? She will do beautifully working in DC

[@H1storybr3akdown]

@@augustmiller-uw2lyAgreed. Call it like it is.

[@TommySands]

"I wouldn't know where to look for a job." Can't imagine what she'll say chasing down case law. I agree, little to no shot at being an attorney.

[@c0horst]

Oh man. Walking into a car dealership and telling them basically to "just do whatever I'm approved for" is never a winning negotiating tactic....

[@lot2196]

I didn't buy a brand new car till I was 52. 2017 Honda Fit, $19,600 out the door. I will be driving it another 10 years at least. I will duct tape future rust holes if I have too.

[@500dollarjapanesetoaster8]

@@lot2196 That's the spirit! I've used craigslist and friends to buy cars. A few years old doesn't really make a difference as far as drivability but can be a significant savings on the cost.

[@dawnklug6986]

She'll NEVER make it through law school with an attitude like that.

[@zachschwartz1586]

can you imagine being the lucky guy

[@Lazer-yi6qg]

Walking into a dealership at all is a loosing tactic 🤣

[@amaliaduncan385]

As someone who just graduated law school and works at an Am Law 100 firm, waiting a few years to go to law school was the best decision I could have made. I worked as a paralegal, which gave me work experience that meant I was a very competitive candidate when applying for jobs. I also was able to save money, and my law school gave me a scholarship so I didn’t have to take out loans. Law firms and law schools like to see people who have worked for a few years. It’s not good advice to tell people they have to go straight through.

[@ericar.6370]

This is excellent advice! I had many classmates in their late twenties or early thirties and a handful in their 40s. Going straight through is not the best option.

[@lindseybear8868]

Wait did you get the scholarships because you were a paralegal in the field you were applying for lawyer jobs in? I'm a personal injury paralegal but I wanted to not do personal injury law and this comment gave me so much hope. I'm also waiting to go to lawschool while I pay off some debt and figure out the best way to go to school

[@howlinghills216]

Caleb I would love if you had her parents on and went through their financial situation. The dad still having $100K of student loans and both of them pushing her to go to law school despite barely being able to afford to live means their situation must be crazy!

[@CalebHammer]

I’d love to!

[@nengtikeu1]

Agree, there’s possibility that she copies her parents way of spending money.

[@howlinghills216]

@@nengtikeu1 100%. I think part of her apathy is because she's trying to care about her finances while her parents are staring at her like she's grown a second head and telling her "Don't think about the debt you'll always have it" They fundamentally don't seem to understand what a good financial situation looks like and don't care to have one for themselves or their kid. As screwed as she is right now if she got a $40K job she could escape it in 3-4 years. Her parents must be beyond fucked

[@ryanburr2164]

I don’t trust her on that exact fact man. She doesn’t know her own finances. How does everyone in the comments take that at face value

[@mcannonsr]

@@CalebHammeralso when you mentioned law school being out of state and her response referred to the distance rather than the cost….

[@Jo-lw5dm]

She should find a legal assistant job. It’ll pay probably 30-40k a year, it will be applicable and it will give her a look into the law field

[@roselyntyson559]

Definitely. If she gets a LA position with big law firm she can get amazing OT and pay all her debts off! At least that way she gets paid and pay get a mentor to help guide her through the law school process.

[@Kamihashindaa]

Well it’s her life and she’s wants to be a lawyer not a freaking assistant, who are you to tell her different. Pretty sure she’ll end up more successful than the lowlife POS attacking her…

[@JulieDeuxFois]

wow, you haven't had your coffee yet or something @@Kamihashindaa ... Reading comprehension isn't your strong suit huh! The idea is to work as an assistant while she is studying, which will be much more helpful in obtaining her law license than being a cashier, learning nothing more about law, not making any contacts and paying miserable amounts per hour. That is what sensible people do. Now is your chance to redeem yourself and delete your comment.

[@Kamihashindaa]

@@JulieDeuxFois totally got that part but again, it’s not his, yours or my place to give her career advice! She’s here about her f terrible spending habits and debt so why even touch on something she’s not asking for? I won’t delete a damn thing nor do i need to “redeem” myself to rondo’s on a KZbin video! Nice try- carry on 🤣

[@glitterstarbeau]

​@@Kamihashindaayou are weird. Lawyers are miserable. Maybe she do well to see it with her own eyes before she takes out over $100,000 in student loans. I took out $60,000 for my law school. I make good money, but every day I have to deal with unpleasant people and deadlines that are life or death.

[@brendarios4106]

Since starting this series in Feb this year, I dusted off of debt spreadsheet. I've paid off $10,000 of my $18,000 credit card debt and have raise my credit score by 92 points. Thanks Caleb! 🙌

[@sandygabin1064]

Good for you!!

[@chs75]

Congrats!

[@operoverlord]

Keep going. Over half way there.

[@karadanvers6136]

Awesome. My gains haven’t been that much but I am definitely not spending as much anymore. I cut my spending in half and am totally aware of how many places are trying to get at my cash.

[@AurelioRodriguez1]

I’d love to see stories like you on Caleb’s show too!

[@justindiamond7656]

People confuse graduating college with intelligence. She is so worried about dad the doctorate, but hes still paying school debt making 60k a year. And CLEARLY has not passed down any sense of financial literacy to a daughter who has no real life bills. No house no rent and more debt than anyone should ever have with a 500 credit score.

[@heathergray9195]

And none of what you said has ANYTHING to do with intelligence.

[@valeriebroersma1033]

She’s focused on looks/status, thinks that there’s time for the college experience while studying law and doesn’t know how to look for a salary job…….this was a crazy audit

[@roselyntyson559]

Yeah. . . She is not ready law school . . . First year is a grind!

[@ozmond]

Typical

[@JustinSeara]

These episodes quickly turn from a financial audit to a psychological audit 😅

[@kevinv2441]

They go hand in hand!

[@ImBrandonWade]

I think this is the reason that Caleb is doing so well on KZbin! He understands that they are one in the same

[@andrewrollout1657]

"When people talk about money, they're never actually talking about money" is one of the wisest financial sayings I've heard from an advisor.

[@user-mf4gz3sp1q]

...you misspelled "every episode"...

[@user-mf4gz3sp1q]

...finances is 10% income and 90% behavior...

[@punkbassandcovers]

Dad is still six figures in college loan debt decades after graduating. Make wise choices, kids. It is NOT worth it!!

[@jloutz]

Finally, I found the comment I was looking for. These joggers are so dumb and unmotivated. Since her dad is addicted to debt, can't we trend extrapolate with how she will end up?

[@fredfinger7092]

All of his degrees did not teach him to manage money.

[@ordinaryopinion4081]

It’s called not having a low IQ. I graduated college with less than $7,000 debt that I paid off within 6 months of graduating. Her dad has a low IQ that’s why he is so far in debt.

[@akirebara]

she's going to law school. this is gonna be a shit show if she's not mindful.

[@ordinaryopinion4081]

@@akirebara she will be in debt for life because low IQ. She will take out loans for law school like a moron

[@master11213]

These audits make me feel 100 times better about my financial situation and mindset. 😂

[@brittnay279]

Honestly same, I don’t love the schadenfreude but…I’ve been thinking I was broke af my whole life but this show made me realize at least I have no debt!!! I didn’t realize you could even get so deep into debt.

[@Spongegal9]

Never seen anyone get so riled up over a car wash. I love this dude so much.

[@flipevent]

TO ELISE: On the offchance you're reading this: Unless you are fully physically and mentally prepared to go to law school and take what appears to be a mountain of student debt; **don't** Among my top 3 financial regrets in life is letting my parents, who grew up in a different era where degrees mattered a lot more, dictate that "you cannot postpone your studies -- get your degree now". I ended up paying for that mistake for 17 years of my life. 17 years of paying student loans the size of mount rushmore, not making a dent on it until the pandemic hit, that I simply won't get back.

[@josephbrown9685]

This is the most important comment on this video. Everyone please upvote this to the top. This is great life advice.

[@donaldlyons17]

@@josephbrown9685 Well like so many things it does not always work out. That should not be a reason for others to try or not try....

[@turtleanton6539]

Wow😮😮

[@winry2357]

@@donaldlyons17it is important though. If she were super serious about law school and she felt it was her calling, then go for it. If she were going for a less important degree (coming from someone with a degree in English), it can be a total waste of money and time. I’m paying for a degree that I’m not even using because my parents were gung-ho on the whole “college degree means success” thing. Meanwhile, my brother went straight into the field I’m working in now and he is getting married and looking at buying a house. He has zero debt, he’s gaming the credit card companies for the rewards, and living like a king. If I hadn’t wasted four years getting a degree that’s next to useless, I’d be in a much better situation. Again, it all depends on what you’re going for and what your specific plans are, but most people don’t need to go to college to be successful.

[@deirdrekiely6187]

That sucks. Hard working people with good intentions getting buried in student debt is awful.

[@Wwaywardaf]

She thinks she can live the “college life” in law school???? Who’s going to tell her….

[@k20z3keith7]

Similar to med school, you're not leaving your dorm 😅 my friends sister is an emergency room doctor and have watched her study the past 20 years since I was a teenager... it never ends with these professions and rightfully so

[@adverseinperpetuity]

You definitely can, and people do. But you’re not going to do well.

[@rebeccashields9626]

Right?! More like the library life.

[@haute03]

lollll facts. Bless her.

[@SixthSenseSynesthete]

Agreed, any type of graduate school is definitely not the same as undergrad. It's mostly an internship/second job lol

[@JazzyCaramelCurlz]

Ugh, this reminds me of myself as a youngin. I lived off of student loan refunds and credit cards. At 25 I had accumulated over $130,000 of debt. I had to face the music and start gridning away at the mess I made. I finally became debt free at 36! 🎉🎉 If she doesn't light her own fire soon, she's going to swimming in debt FOREVER.

[@hazza2247]

that’s an absurd journey, did u grind the whole time or was it up and down kinda

[@hazza2247]

great work tho it’s awesome to hear u achieved that

[@JazzyCaramelCurlz]

@hazza2247 it was slow at first. I consolidated all the cc debt and called student loan providers to work out a payment plan. Once I started making decent money I put the pedal to the metal and plowed through it in 4 years.

[@JazzyCaramelCurlz]

@hazza2247 thank you! 😊

[@pancake1493]

Dam 16 years of money that could’ve been used for something else

[@akirebara]

I work part-time at Trader Joe's. She's like MOST of my coworkers who do not budget, spend their money on TJ's bottled waters (even though we have perfectly good FILTERED free water in our breakroom sink), and just doesn't really look at their finances closely. Paycheck to paycheck. Then ever tiny 75 cents increase every 6 months, you see them with new shoes, new pants, new bags.

[@biolog33k]

I understand people not agreeing with the parents, but let’s not pretend that being alienated by your parents is not a big deal for most people. That is a huge ask for anyone. I wish her the best on her journey.

[@Allison_Hart]

yes, thank you for saying so. abusive parents can gaslight you over years to believe that they are right, and smarter than you. i grew up in a house where my dad would actively say that he was superior to the rest of us and supposed to have power over us. and would criticize every mistake. and so i basically grew up thinking he was Always Right. it took a lot of unlearning, because the learning started from early childhood. and, people understand this when we talk about the difficulty of leaving a cult or a church. or when we talk about leaving an abusive partner. but for some reason, when we talk about adult children who have an unhealthy codependent etc. relationship with their abusive parents, it's, "grow up and stop caring about what they think."

[@papabear2515]

It can be very hard. And when one does it with good therapeutic support, it can be life changing. I’ve done it. Am I sad? Of course I’m sad my parents chose to not be parents in the real sense of the word. And yet, I do not feel sad that these 2 adults are not in my life. They have THEIR lives and my life is not theirs to run or decide. We can choose people to be in our life who respect us, accept differences, etc. THEY are my family. My life is meaningful, happy and yes, debt free. It CAN be done. IT IS OUR life and so worth it!

[@charlim2479]

I agree. Parents can play a huge influence in your life especially if you're living with them and they have rules you have to follow.

[@NewscasterNews4]

Her parents are actively doing all they can to support her. She’s been given a suburban middle class upbringing that less than 20% of the black US population are privileged enough to receive, they allow her to live with them rent free at 24 and have at least recommended a solution for her to get out of this debt. Why they’re getting shredded in the comments for being “abusive” when they are literally the ONLY reason she’s not in a homeless shelter right now with all this debt makes zero sense

[@papabear2515]

@@NewscasterNews4 they are enabling her by keeping her financially illiterate and financially irresponsible. If she’s afraid of what her dad will say or do if she doesn’t go to law school (and incur mega more debt), that’s a reflection of how controlling he is of her and life. If he kicks her out if she doesn’t go to law school, then that tells her exactly how he truly feels about HIMSELF and HER! He/they can sincerely support her needs, by backing off the law school requirement/pressure, give her a deadline in terms of financial issues and charge her some rent, etc. She is an adult and needs to take responsibility.

[@cmh0202]

This is delusional for her to pursue law school if she can’t fill her water bottle up at a water fountain.

[@cmh0202]

Update after watching episode - her DAD is delusional and is setting his own daughter up for miserable life. She could get any normal job and be fine in a few years. Going to law school will screw her and have her living her entire life in debt.

[@chrissnydez]

I'm starting to believe she actually isn't that passionate about the law school and that it seems like "the option" because that's what her dad does @@cmh0202

[@joycef8443]

As a longtime but former law office administrator…danger, danger. Law school is difficult enough without going in being in credit card debt. Getting collection calls and letters are not good for your concentration. Take a practice LSAT and see what your aptitude is; get an idea what first year and second year, etc. attys get paid. We would have associates who struggled, even made offers to others who could not afford to work for our established, white shoe firm.

[@Charlie-zj3hw]

She would just be a diversity hire .. I think it's crazy how the dumbest people want to become lawyers.. just by her taking political science shows he's a dumbass

[@choreomaniac]

Worse, if you can’t articulate why you don’t fill it up at a water fountain instead of buying it daily. If she could make s persuasive argument then maybe she has s future but she just… didn’t.

[@joeysand2205]

She went into a car dealer and said "Whatever I get approved for do it". That's a car salesman's dream right there I never thought something like that actually happened out there lmao. I 100% blame her parents for her situation. They put those habits in her and enabled drowning debt because they're in it themselves. A damn shame hope she makes it out.

[@NewscasterNews4]

Ah yes so her parents forced her to go to the dealership alone and buy that car behind their backs? Or not work more hours so she can actually afford her monthly payments? She needs to take accountability for her laziness and complacency too, because without her family she’d be homeless right now or in an even worse position than this

[@baywest]

​​@@NewscasterNews4yeah both exist. She needs to take accountability but also the parents are at fault for enabling this behavior. And when the parents are the ones supporting you it makes it even harder to go against them even if it's the right decision.

[@brittnay279]

@@NewscasterNews4parents do quite literally raise you lmao like obviously she has to take accountability but setting bad examples for your children is something parents need to take accountability for

[@madisonrose5952]

She paid nothing off. Girl, stuff is NOT for free. We can’t keep blaming our parents for adult issues we’re putting ourselves in.

[@juliamatty5492]

I doubt her parents know just how bad her financial situation is considering she hid the car purchase from them

[@edhcb9359]

Whenever someone says “Here’s the thing…” you automatically know the BS is about to spew. 😂

[@shanarobinson7672]

🤣🤣🤣🤣

[@lot2196]

So what do they teach in college these days?

[@the_inquisitive_inquisitor]

"You see, what had happen was..."

[@TonyCox1351]

@@lot2196history, math, English, etc…not personal finance (nor should they - it should be taught much sooner!)

[@cpt_semantics]

Here’s the thing I’m studying for the LSAT lol - it’s a glorified IQ test studying ain’t doing shit😂😂😂

[@Benefits]

If she wants to become an attorney, she has to get her finances in order before she graduates. When you apply for a law license, you go through an extremely thorough background check that looks into your financial history. Her parents have utterly failed in teaching her to be financially responsible. I hope she can turn things around from the damage her parents have caused her.

[@Uggrukor]

Caleb, I think an episode explaining the basics of interest, rates and how it can affect your monthly payments on both a car note or mortgage would be hugely beneficial. School, parents and friends just do not prepare young adults for these things and a lot of younger people just don't know about this stuff and are clueless. When you are clueless, its not their fault! They have not been prepared. Helping people understand why and how it affects them would be a benefit imo. When people feel dumb or stupid, they don't ask questions at car dealerships and get a 17.17% interest rate.

[@neutralsportsfan17]

Taquitos 16 seconds in gotta be a new record.

[@CalebHammer]

WILD

[@peacejoylove8542]

The audacity of her father to demand she go to law school knowing full well she has to take out loans to fully finance it. What good are his several degrees if he cant even help his child go to law school. He's literally leading her down the same path of student loan debt he is in. I guess he needs some company, smh. Dude is WILD for that. And the mom's insouciant attitude towards debt is frightening as well

[@tracym8952]

Colleges are MLMs now

[@TonyCox1351]

If you are intelligent and driven, law school can be extremely lucrative. People with high IQs who aren’t afraid of hard work and long hours can see a very high ROI on a JD. The problem is those true “type A” people are few and far between, and I don’t think this gal is one of them…

[@amoose8439]

He needs the rest of his family to be 100k in the hole along with him... phds in a bucket!

[@peacejoylove8542]

​@wordsalad01 it breaks my heart. Smh

[@user-ts8ec7mm7u]

​@amoose8439 If you do it right, you get paid for your PhD and don't take out any loans. But you need to do it in STEM to get paid to go. Everyone else usually pays to be there.

[@brittney1591]

Lawyer chiming in on this episode. She needs to focus heavily on having a pristine law school application, because the right law schools will give you big scholarships if you have a great application. I did it that way and ended up only paying about 9k in tuition, making $180k in my first job out of law school. It can be a great ROI if done correctly, or a horrible one if done poorly. Many low-ranked law schools are predatory diploma mills that will take students’ money but not prepare them to be able to pass the bar when the time comes. Best of luck to her. Editing so repeat what another comment says - state bar associations will look into your finances when you apply for the bar. I had to provide credit reports and all the account numbers for my student loans. Best to have her sh*t straight by the time she gets there.

[@RedPilledFit]

You’re cute.

[@user-go2kh7yw2k]

You need to get her father on for his Financial Audit. That would be KZbin Gold.

[@triple_gem_shining]

😅

[@tyler9281]

As a recent law school graduate, I cannot stress enough the importance of strategizing. You don't need to clerk for a judge or work your life away at a law firm. I work in the privacy law field and there are tons of companies in the private sector with open positions. Identify a field of law in high demand with low supply, and your ROI will thank you for it. The law school you go to matters exponentially less.

[@peacejoylove8542]

I appreciate comments like yours. The high emphasis of prestige meaning success is milking young people dry.

[@tyler9281]

Absolutely. I wish more law schools promoted non-traditional career paths. These kids go on to work at a DA's office and make 40k with 150k in student loan debt. Lawyers should want to give back to their communities and serve others but you also need to take care of your OWN financial health to help others.

[@Charee93]

This part! As a lawyer my goal has always been to work somewhere that I make enough money and have enough work life balance to give back to my community in other ways!

[@danielponder690]

I’ve worked in academia and for the city, you’d be surprised how many valued JD law school grads we have working to handle grants, contracts, legal issues

[@OhsoWoobie]

how do you figure out what fields are high demand, low supply?

[@BigTummyAche]

Being a disappointment to your parents is not that big of a deal especially if their wants are ridiculous.

[@CalebHammer]

Agreed

[@amoose8439]

Especially if they still have 100k in debt...

[@JJ-zr6fu]

Lawyers can make a huge amount of money that justifies the debt but you have to go to the right schools

[@BigTummyAche]

@@amoose8439 facts, I was pushed into school when I didn't have a solid idea at all of what I wanted to do. They wanted me to have the 'college experience'. I definitely got the college experience from all the Four Loko I drank.

[@TonyCox1351]

@@amoose8439exactly, it sounds like her parents are the disappointment!

[@darakke]

Never been to law school, but I doubt law school is going to be much like the college experience she is thinking about.

[@janiem4320]

In her situation I’d highly recommend spending a couple years working full time before she considers law school. I’m a recent law school graduate. Besides my student loans, I just spent approx. $3500 on the Michigan bar exam. The culture at law school very much depends on students using personal loans to pay bills, and most schools actively discourage students from working (especially during the first year). I had a friend who was told by a professor that she would flunk law school if she kept her part time serving job. Those who do work are usually in unpaid internships. If she’s dead set on law school, then she needs to be prepared with an emergency fund and savings to pay her bills for three years. (Also, Caleb should have a lawyer on the show, it would be so illuminating for people considering law!)

[@marciagregory7883]

Elise, thanks so much for coming on the show. I’m a 62 year-old woman who relates tremendously to you. The root of every problem I’ve had in my life was the guidance I received from loved ones who were convinced that they knew what was best for me. Your parents, as well as they know and love you, will never live a single day in your shoes. Steel yourself, and have a tough conversation with Mom and Dad, then go live your life your way. You can do this! I have confidence in you! Love from Connecticut😊

[@papabear2515]

THIS! So true! So important!

[@EmmaElysee]

THIS

[@sarab81]

People Always blaming others, After certain age, we are responsable for our own lifes, we need to be accountable for things

[@marcos223ful]

​@@sarab81thats the point of this video...but we can't ignore the past affecting the present. Its like a crackhead tired of gangsters robbing people but yet supporting their "business" . The ROOT issue

[@ozmond]

The root of it is being stupid

[@michaelmcnulty8785]

Just put another 2k into student loans. 2 months to debt free. This show has been such a motivator.

[@randomgraham4302]

That’s awesome! For the past three years I’ve doubled /2.5x my monthly payments and on track to be student loan free in 3 years. I’m glad I see posts like yours as it only motivates me more to keep at it!

[@drew8235]

I'm close as well. We can do iiiiiit!

[@bmx_or_die]

Awesome bro keep it up!

[@MyLifefunthingss]

Dang im very close to getting to the point where I can attack my student loans🎉 thanks for the motivation

[@Astro95Media]

Well done!!

[@olivia_martin]

Do people forget that you can wash your car by hand or am I the weird person here?

[@Looplabss]

Most people go to a car wash , to get out the house or have something to do, sadly

[@olivia_martin]

@@Looplabss eish... It's a good afternoon job getting out to wash the car 😂

[@clarajensen1757]

Car washes just give your car spiderweb scratches, it's much better to wash it yourself with clean micro fibers, they never change those sponges in the car wash

[@noahbenn54]

So glad I found your channel! Opened a shiny credit card at 18 a little over a month ago at 0% and started abusing it. Owe over 1,100 but luckily have halted it and am now paying it off before it gets too late. Thanks for scaring me straight!!! Thank God I found your stuff man

[@parkour381]

She should look for an entry level position in a law firm or in the industry, at least she can get relevant industry experience and somewhat be on the path of law school to her parents while tackling the debt. She might find out it's not an industry worth pursuing before diving into deep student loan debt.

[@cobrakai3732]

To be fair, if it’s something she truly wanted she would’ve been pursuing it while still in college. I wanted to go to law school and I (and most others who planned the same) studied and took the LSAT during our Junior year, or during the summer before Senior year at the very latest. Then during the Fall semester of Senior year you apply to schools with your grades/LSAT scores. I also worked at an internship at a law firm during my Senior year, which I received school credit for. This woman’s complete lack of planning or forethought shows that this is her dad’s plan, not hers…

[@rebeccashields9626]

This is the best advice here. I hope she sees this.

[@jtg197]

​@@cobrakai3732 I did the same thing! I also took a few pre-law classes in undergrad to get a taste.

[@gymdilettante8407]

Yeah she should become a legal assistant

[@ericar.6370]

This is excellent advice

[@kristentrohkimoinen]

She should not go to law school if she's not 100% sure that's what she wants to do. I've talked to many lawyers that say they wouldn't have gone if they could start over

[@ultraboombean]

Yeah by the time you go you have sunk so.much money into it how are you gonna quit

[@nicksmith8159]

I am a lawyer. 100% agree

[@TheChewyleaf]

My friends who are lawyers seem really quite stressed and have mental health issues (more so than my doctor friends and colleagues). The hours are tough, it’s a competitive world and it’s hard work. I think you really have to have your heart in it to stick it through or it can be quite soul destroying.

[@JLO1023]

Yup. Don’t do it just for the credential. It’s a very hard career, and I barely knew what I was getting into until I started my first job.

[@chelseysmithmillaaaaar]

Speaking from experience - yes. I'm almost 10 years post law school and out of my class of 60 only a handful are actually still working in law. Most of us work in other corporate areas now.

[@frogfinance4605]

God forbid she passes the bar. If so you are losing your case if she's your lawyer

[@lauraweiss7875]

I’m so glad Caleb forces his clients to acknowledge the interest rates and how long it takes to pay off with just minimum payments. I’m so tired of watching those cash stuffing channels who NEVER disclose their interest rates and monthly interest accrued.

[@swelldritch2774]

Gen X parents really dont understand how bad modern student loan debt is. My parents thought I was insane when I told them that I wouldnt go to college if I had to take out loans.

[@ArtemisMaelstrom]

As a gen X parent, we personally understood the rising costs of a college education since our family works in higher education. We have children very close together, and all 3 kids are currently attending universitiy. All of their education is paid for (no student loans). We planned for this situation early in the marriage. We saved and prioritized what to spend on and still enjoyed a wonderful life. Please, if people can get themselves out of debt and have a viable emergency fund, the stress level will be reduced. If and when life hands you a sh*t sandwhich, you can laugh it off since you have the money to take care of it. Money is not evil but a tool you have control over.

[@jloutz]

What? Her stupid dad still has over $100k in student loan debt.

[@akaku9]

@@ArtemisMaelstrom >our family works in higher education >apparently not high enough to understand that circumstantial evidence is fucking useless

[@jill0irvin]

I totally agree w the original comment. The # of friends that immediately had their kids take out loans was unreal. To be honest, Gen. X was raised during the "invest your earnings, take out correct debt" days. They did not pay attention to the increasingly predatory nature of student loans. We were considered weird to be so focused on saving for our kids college. We still made the mistake of being overly attracted to prestige schools. So much vulnerability for students these days.

[@ArtemisMaelstrom]

@akaku9 so you want the long version: been surrounded by people in the university setting for over 30 years and seeing the changes over that time. The influx of lots of money into universities but the funds not keeping tuitions down and affordable. There is now a push to hire more adjuncts than keep the professors since they are more expensive to keep (lowering the knowledge and training base). The number of admin staff has increased to keep abreast to growing bureaucracy in the system. If you have eyes, you can see the issues, so it's best to plan things if you want to go into higher education. If you want to go to college, save now and practice minimal consumerism, and if you really want your kids to get a degree, pick something that can afford the lifestyle they want. Maybe provide something constructive to the conversation instead of a lazy ad hominem attack.

[@adrianortiz]

Guest:"I have a few checking accounts so I can move money around" Caleb: "what money" Guest:"None really"😭😭😭

[@rebeccashields9626]

Girlie you are young and you can 100% do this! I worked two jobs while in school and then when I graduated tons of overtime while living with my parents to pay down debt and save. It is only temporary and it is absolutely worth it on the other side. Now my husband and I are 37, debt free but the mortgage, I only work 8 hours a week and am home with the kiddos the rest of the time. The small sacrifice when you are young pays back so much when you are older. Plus you can still have fun while broke, you just need to find things that are fun to do that don’t cost money. Best of luck!

[@GrandTourHTX]

Never realized just how good of a position I am in life until I found this show. So happy I'm in zero debt.

[@Alex-qv5py]

Time to feel better about my own financial situation 🎉

[@doomkid1331]

I KNOW THATS RIGHT 😢😅😅😅😅

[@jeffyboi6969]

Ain't no way shes going to get through law school.

[@arielleyasmine]

As someone who came out of law school with extensive student loan debt, Elise, I would recommend tackling as much debt as possible prior to law school. Not only because there is character and fitness assessment conducted before you can get your license to practice, but also because if you take out loans for law school to add to the debt you already have you will be DROWNING for years to come. I had six figures in debt and found working depressing because I was working to pay off debt I couldn't imagine doing that for a ridiculous amount of years. I believe in you, you got this !!

[@aic0809]

This is great advice. Just out of curiosity, how are you doing now with paying off the debt? I’ll never forget a good friend of mine telling me that her law school debt was $200K+…I was so shocked and sad for her. This was years ago, so she might have paid it all off by now. I feel for Elise. She’s wants to do the right thing but her parents did her a huge disservice with their “advice.” 😐

[@arielleyasmine]

@@aic0809 3 years after graduating I have about $20,000 left in student loans and I can afford to pay it off now but the interest is lower than what I can get by putting the money in a high yield savings (I actually have a YT video on the strategies I used to pay off the debt). I also have a down payment for a house and an emergency fund. Although it turned out okay for me I would encourage people wanting to go to law school to think long and hard about the financial and personal impacts

[@BussdownKing]

I’ve got a few traffic tickets I need to defend myself from. Can you be my lawyer?

[@danielab1924]

Im a child of parents who had tunnel vision about us going to college like it was the end all be all. I wasn’t ready, it was a wate of time and money, especially since my parents didn’t have the means to pay for college. I won’t do that to my own kids and im thankful I was able to get my student debt taken care of.

[@heresyisecstasy]

If there's anything I've learned from Caleb's channel, it's that financial problems usually stem less from financial illiteracy and more from unexamined and un-confronted mental issues

[@omotayosatuyi252]

Which is exactly why financial education should be taught in schools

[@mrscassandrasolano]

Including dysfunctional relationship dynamics and codependency 😢

[@TonyCox1351]

@@omotayosatuyi252 thats kind of the exact opposite of what OP is saying. This woman's problems dont necessarily stem from being "financially illiterate". She understands that loans need to be paid back. She understands her spending is more than her income. The main problem is her lack of emotionally maturity, her inability to grow up and take charge of her life, her fear of confrontation. Of course financial literacy would help everyone though

[@man_of_iron]

The same could be said about a lot of other areas of life (e.g., health/weight).

[@heresyisecstasy]

@@omotayosatuyi252 that's the opposite of the point I was making but I do agree with you

[@jerikaljgdk]

I was very similar. I graduated university, lived at home while I was working, spent like her, didn't save, then went to law school, and it was a financial disaster. I encourage her to make very sure that it's what she really wants to do because it won't necessarily bring in the income that she's expecting. And I absolutely encourage her to save as much as she can now and get out of the debt before going to law school. One of my biggest regrets is that I spent that period between degrees with nothing to show for it. I graduated almost law school 6.5 years ago and there's still a huge financial strain because I didn't do enough to prepare (and I didn't get the kind of job I expected to get).

[@gymdilettante8407]

This is the honest response... Law school is a big mistake for a lot of people. Millions

[@sillylovesongs581]

Finances aside, another thing this show highlights is our society’s overwhelming dependence on and addiction to fast food

[@JavaDoodles]

hi caleb! but also WOW! wishing her luck!

[@CalebHammer]

Hi! and same ❤️

[@disapearoman]

Totally agree with Caleb on Americans putting too much weight on college being "the best years of your life". If you're doing things right, post-grad life should be something to look forward to even more than your college experience.

[@shawneeGoes]

My best friend went to law school and graduated when she was 30. She did extremely well on the LSATS And still had to be pay thousands a year to go which she paid for with cash to avoid loans…some of her peers and 100s of thousands in student loans. Be smart. Wait.

[@emilyholley97]

I know people with insane school debt from law school that didn’t even get great jobs because they didn’t work that hard in law school, absolutely tragic outcome that is pretty common. If you’re at the bottom quarter or half of your class you literally might make like 45-50k.

[@adxmnt1926]

Rooting for this young woman. I'm sure there's plenty of things about life she can learn from her father, financial literacy is not one.

[@gyasibarberhehim7982]

It's not the situation, but the lack of care and the complacency that really get me.

[@josecarrasquillo1788]

Coming from a licensed atty, if you are going to law school for the right reasons the school you go to doesn’t matter. Been practicing for 8 years and not once has an employer asked me where I went to law school FYI

[@annie1017]

I don't know if I completely agree w this - I guess it depends on what job you're trying to get coming out of law school. The top law schools feed directly into big law, where starting associates make like 215k+, so if that is your goal, the school you go to very much matters.

[@josecarrasquillo1788]

@@annie1017 I don’t disagree with’ya but I think if you’re going to law school chasing money, it’s not the right reason in my opinion!

[@Veryfancyflamingo]

I’m also a lawyer and I’d have to disagree with this…unless your family member owns a law firm or you have strong connections to a particular legal market, your law school matters. It’s the best way to set yourself up up for success across a spectrum of jobs.

[@bianconerointheus6692]

Mike Ross agrees with you.

[@14s0cc3r14]

Coming from another licensed atty, it very much does matter where you’re going if you want biglaw. Biglaw options pay $200k+ straight out of law school and are much easier to get at a top 14 law school, nearly impossible outside the top 50. And law is bimodal, so if you don’t start at $200k+ you start around $60-$80k.

[@nrod122]

Hey just a heads up for all aspiring lawyers who don’t think finances matter, your credit score is a factor in whether you can pass the bar exam! If your credit is bad you can’t be a lawyer. Elise I would recommend getting your finances straight before law school so you can graduate and get barred!

[@imanoldurango8213]

What you’re talking about is the “character and fitness” evaluation they do before you take the bar. And a bad credit score is very rarely actually used to stop you from taking the bar lol as long as you’re making payments you can have the lowest credit score imaginable and still be a lawyer

[@Kangsta665]

@@imanoldurango8213 But she's not making payments... "character and fitness" will probably deny her, she has no rent/food costs yet has tons of debt and missing payments. Not even counting law school loans

[@CALLAWAYGOLF988]

Man these videos make me really want some taquitos

[@shea455]

"...BUT I got that during college." As though that means you don't have to pay for past spending.

[@danielallenjones]

Extra $35K a year for the "College Expereience" for Law School - 6yrs x $35K = $210K for a "College Experience". WHAT?

[@emilyholley97]

Just finished law school and passed the bar. Went to a state school ranked in the 40’s. Got a scholarship to go there making it very affordable, got prestigious internships that paid while I was in school, and got a great job out of school in a niche high ROI practice area I’m interested in. Stupid people fall into the trap of paying more for a “better school” plenty of very successful attorneys I know went to no names. Also if you’re not willing to work very hard, I wouldn’t go into this field lol. You will be disappointed.

[@14s0cc3r14]

Agreed! With all but the last point at least. I had a similar journey to you but I never work more than 35 hours doing public interest work

[@emilyholley97]

@@14s0cc3r14 this can be dependent on where your school is. Where I went it was very normal to have a firm job while going to school for like 20-30 hours a week. Would suggest doing this because the experience is unmatched and I got paid pretty well.

[@jasperkalen7571]

There’s a big difference in the connections and opportunities which come from a T1 school compared to a lot of the predatory unranked or TTT schools out there. I went to a T1 as well, and with veterans preference got a nice federal position that I’m happy in. But there are plenty of people in my class that weren’t so lucky. I totally agree you don’t need to go to HYS, or the T14 in general, in order to have a great legal career. But there are definitely schools out there which average negative returns on investment.

[@emilyholley97]

@@jasperkalen7571 Agreed, I always advocate that people look at employment outcomes v. Tuition cost at schools before signing up, but if you’re looking at ROI you probably aren’t going to pick a small expensive private school with poor employment outcomes , you’ll pick a mid ranked state school and work hard. If you work hard and network you’ll have no problem finding a job, if you aren’t willing to do that you’d probably fail as a lawyer anyways.

[@gymdilettante8407]

If you go to a non top school you have to have good grades or you're playing Russian roulette with getting a job. Sure plenty of people who go to non top schools get a good job but plenty don't.

[@tylerkeogh4906]

Having multiple degrees and no money doesn’t mean you’re intelligent. It means you’ve been sold. If you want to get rich and help people, figure out what general direction you would like to go in life and find a sales job in that field. You will be smarter than someone with a bachelors in that field in 1/4th the time. Never stop learning people

[@scottwible1532]

This is such a bad situation. Honestly her income is just way too low for any plan to make sense. Going into more debt is horrendous.

[@austinsager912]

I can relate to the defeatism and confusion that comes with being broke despite having a degree. I’ve considered going after a master’s degree but the bills have to come first. The last thing she (or I) needs is to double her debt with a graduate program

[@justindiamond7656]

I paid off my credit card today! Finally debt free (other than my house) been working hard the last year feels good!

[@KelleyOlivia]

ugh I love these videos so much just because Caleb somehow has so much compassion for these people and truly wants the best for them and idk it just makes you feel good for humanity

[@LizJoyDolan]

Caleb asks everyone - ‘why?’ ‘why!?’ and many can’t answer it. I’ve been there too. Buried under debt. Not seeing a light at the end of the tunnel. Not sure where to begin. So convenience foods and stupid spending doesn’t feel like it makes a difference either. My dad always has told me - until the pain of your choices hurts enough, you won’t make a change.

[@suavewolf1994]

Just came back for an interview for a partime 2nd job and have made progress on paying off my credit card. This show has really made me focus on handling my finances better.

[@butterfly6023]

Good luck!!🍀 I just started a part time 2nd job 3 weeks ago to pay my credit cards and car debt down…thanks to this show too. It’s definitely worth the sacrifices!!

[@anniechang6078]

It's soo good to see a lot of younger people on here! You are helping them from the disaster that us older folks didn't get! It took us soo long to get on track. Keep it up! We wished we had someone who would beat some sense into us when we were younger.

[@erickn7985]

Just like my little brother dude works 25 hours a week at Target, but somehow runs out of money. He just pays for his cell phone and Late night food runs😂😂

[@SoFrolushes]

I hope she does well in life and gets her debts in order. I hope her parents understand

[@triple_gem_shining]

She's on the right track speaking with Caleb. She'll do fine!

[@charityhopper1430]

I hate it when they won’t say why. I think she just thinks she’s gonna be rich later on. If you can’t manage low amounts of money, then you won’t be able to handle large amounts.

[@maddiehags7104]

Great concise point 👍🏻

[@gucciadjective7745]

This is what people seem to not realise. If you cannot handle having no money, what in gods name makes you think you could handle a large amount. That's not how it works

[@friendlysoviet1]

Families that are "Suburban Middle Class" don't receive pell grants. I think her father is hiding how impoverished he really is, despite his three bachelor degrees. Caleb is absolutely correct, he has an addiction to education.

[@elisevarnado5819]

You’ve said this in many comments on this video but I am lol. My parents got a divorce and I used my mom’s income in college. I swear it’s people like you that make it hard to have skin like mine to come on this show and be this vulnerable. No one is impoverished smh

[@EitherBendToTheTruthOrLiveALIE]

@@elisevarnado5819this has ZERO do to with your skin 🙄🙄 GROW UP AND STOP LETTING OTHERS TELL YOU WHAT TO THINK. Good Lord.

[@bellla333]

@@EitherBendToTheTruthOrLiveALIEfrfr her political science is showing🫢

[@NYCHFAN]

At 24 years old, the parent's income is irrelevant. The grant dispensers only look at her income at this age.

[@friendlysoviet1]

@@elisevarnado5819 100% of my comment is directed at your father, not you. I'm implying that you are a victim of his irresponsibility and all my ire is directed at him, not you.

[@brookew9852]

Sending LSAT support - I’m in the same boat! I’d really recommend taking a law adjacent job before applying to law school to get a sense of what areas of law you’re interested in while financially catching up! Also lets you work with attorneys to get a sense of whether it’s a path you want to pursue after all haha, some of them are STRESSED. Some of those jobs will be okay with you going part time during school, too. Best of luck to her.

[@roselyntyson559]

With bachelors, she could do compliance type work pre-law school. Every company has a compliance department. She could be making so much more money than she is at HEB.

[@BostonMom96]

Been watching you for awhile. I’m still in significant debt but I’ve cut up all cards about a year ago, and I’m so close to not being negative every month. I pretend like your going through my bills and budget every month. Thank you!

[@EdemAf]

Watching your channel for about 7 months inspired me to stop making purchases on credit cards that I have been trying to pay off. I paid off all 3 credit cards last weekend and my emergency fund is almost at 6 months of savings! My credit has improved by 15 points in 6 days 🎉 Now I'm working on my collections keep up the great work caleb, thank you to all the brave souls that come on your show. I sleep so much better at night knowing that I'm making smarter financial choices 😅😊

[@treyperez8411]

She needs to talk to a lawyer and figure out if it’s something she really wants to do. As a person who just graduated from law school, it’s a lot of debt for most students and lawyers don’t make as much money as many people think. It’s kind of a “double-banded” market where one group makes decent money (60k-90k) while another makes ridiculous money (150k+ starting depending on the city, state, and area of practice). There’s also the public defenders doing god’s work but not making any money despite having the same degree that costs an average of 160k. One thing that she’ll need to start addressing is getting on time with debt. The Board of Law Examiners (bar exam people) actually ask for your credit report in some states and will need an explanation for any debts that are behind, and how you’re ethically dealing with your creditors. Edit to add I worked throughout law school. The board will tell you not to but who cares lol they won’t kick you out if you’re doing well 😂

[@JLO1023]

I also worked for two out of three years of law school. I don’t even know what board she’s talking about. Most people who went to my school worked, and they also offered a night program for people who had other commitments. My advice on income is same as yours and the jobs are typically HARD. I have many peers who have regular old marketing jobs who make a lot more than I do.

[@gymdilettante8407]

150k isn't even that much in the HCOL cities where those jobs are. I had one of those jobs. I left the field after 7 years.

[@brian7991]

I worked through the three years of law school myself, too. A large portion of the students in my class were the same. And good point on the Ethics portion of the bar application. The board wants to make sure any aspiring lawyers will be ethical, and severe financial struggles can be a red flag to someone reviewing the application. Large debts may be perceived that that person would be susceptible to committing financial fraud to get out of such debt.

[@chesspwn7457]

"I didn't get the college experience and I want that." And what did she miss? She seems to have hit the debt and spending money without a care aspects, were the parties not big enough?

[@hbelgica118]

I don't even get this mindset, like not recommending it for her financial position, but just go to the club. Frat parties are so passé...

[@slconstable]

Law School is far too busy for those partays. It’s study, study and more study. Here’s how cynical it is: I attended the LS First Year mixer, as the plus one. Someone asked if I was attending the LS and I replied I was the wife of a new student. They replied, “Good luck. Most spouses of Law School students end up in divorce before the student graduates.” I thought that was a horrid comment, but I did see people around us end relationships. It’s a rough road. You will be working hard, studying hard and that “experience” you are talking about doesn’t exist, unless that experience is study groups. You will lose your mind waiting a couple of months between bar exam and getting results. You also need to secure employment in a law field as an intern (clerking and the like). Those jobs are looking for people with a good head on their shoulders, grounded in reality and I just don’t see that with you. You need to be DRIVEN to succeed, not breezing through life, not accepting consequences for actions. I hope that you get out of this hole and I really want better for you in the follow up.

[@Vmac1394]

To hell with the college experience. I am happy to know that I will never again have to dress up in a clean room suit and work with hazardous chemicals in a lab for 7 hours without being paid for it.

[@BrookeKnits]

I wish someone had this conversation with me when I was deciding where to go to college. I hope she takes it to heart.

[@josephbrown9685]

Warning: don’t play the taquitos drinking game with today’s episode. It’s not even clear that she has the aptitude to be a lawyer. You can’t just go to an expensive, specialized school (law, med, etc.) unless you are 100% dedicated and have the ability to follow through all of the obstacles. It’s a high risk with a potentially high reward that not just anyone can handle.

[@ryanburr2164]

A commenter who gets it

[@sarahplatte366]

It blows my mind that people don't know the amount of money they are paying in interest 🤦‍♀️

[@xtothezbeltran5991]

I wouldn’t want her to be my lawyer if she’s gonna be so complacent 😅

[@jasminearceo6059]

If she ever wants to be a lawyer probably shouldn’t have this video out there

[@james1000]

I’d hire her! Just kidding

[@radiantmasterpiece5649]

Interest on credit cards sucks! Something that motivates people especially if they're paid hourly is to tell them "you worked this many hours to just pay the interest on the card" when you put the time and money equation together that's really motivating to pay it off ASAP!

[@AullThatTv]

Caleb, just wanted to say watching your channel has been big for me the last 9 months! Last year I moved states after just getting by in NYC for a few years, got my ass in gear, but financed a car in November. After the down payment I still had $19K+ to pay off, was a 5 year loan. I said nah, F that, I'm paying it off in a year, by Christmas that'll be my gift to myself and so I busted my ass the last 10 months. Welp, I celebrated my 29th birthday 2 weeks ago and paid it off the day before my birthday...gifted myself a little early. Watching these audits I can say definitely helped light the fire. Preciate the work you do!

[@KitKat10281]

Happy birthday to YOU, friend! What a great gift to yourself!

[@AullThatTv]

@@KitKat10281 Thank you thank you! I appreciate it for real my friend!

[@joshuaweezorak7042]

She's not ready for law school I'm sorry to say. I get she doesn't want to disappoint her folks but sometimes it's necessary to take the L and move on.

[@TMHF]

It's exciting to know that people with such motivation and ambition will one day comprise the backbone of our legal system.

[@JA-vz1nl]

Caleb I think something that will help the gravity of the situation sink in is when you relate how much money their card or whatever took from them in interest. Instead of saying "XXXX dollars were taken, stolen from you this year", I think more people might relate to saying how many hours that amount equates to in their current job they're working. "XXXX dollars were stolen from you this year, that's 300 hours of your time that's gone and you'll never get back", or something like that.

[@emilyholley97]

I just got to where she said you can’t work in law school. That depends on where you go. I worked every semester after 1L, average of $30 an hour depending on firm, not a HCOL area. Got me a good job because I had experience.

[@drewbee6192]

Recent law school grad here... It does NOT matter where you go to law school. And, unless law is your passion, it is NOT worth it to go into student loan debt to get a JD.

[@cmrlbunny]

I was on the fence about law school so I decided to get a paralegal certificate. Best decision I ever made!

[@bentonanderson8837]

Getting into debt then quitting your job because a family member passed away is so childish. How did parents allow this…

[@katiep5256]

I think her dad needs to go see Caleb.

[@papabear2515]

10000%

[@mrscassandrasolano]

She’s living in a gilded cage-the utilities and car insurance money she’s saving are nothing compared to 100k + in student loan debt he wants her to take on

[@richardw2801]

Super easy to have college paid for as a lawyer, either join JAG or some type of Gov attorney that will pay off the student loans off in 10 years.

[@freerangesam457]

Elise, I’m rooting for you. You can do this!

[@choreomaniac]

Judging by how she bought her car and how she needs it washed but doesn’t know why, and how she bought her iPad, Apple watch, etc she will definitely just go to the most prestigious law school and just take whatever financial aid they give her, no matter how big.