Most Delusional Woman I've Ever Met | Financial Audit

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Chapters:
00:00 Job & income
03:20 How are you homeless?
04:13 Moomoo
09:30 She’s all over the place
13:55 She hates working… shocker
19:07 You’re delusional…
24:38 How did you just buy this car!?
30:30 Her entire diet is fast food
32:40 She wants to r/FIRE
39:55 Her spending makes me weak
47:00 This budget is insane!
51:12 SOFI
55:28 What are we doing?!
1:02:05 Hammer Financial Score
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These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early.
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[@CalebHammer]

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[@EpicImmortal]

I'm sad Caleb I was really looking forward to this. But in the video it says the offer expires yesterday. 02/29/2024 but the video was released on March 1st. Saddays

[@davenunyabusiness4893]

"Don't fart or anything" Clip it

[@erikhagstrom5083]

Another great quote is "A man sits in the shade today because of the seeds planted 20 years ago"- Warren Buffet

[@cereal76]

Dude I tried moomoo because I wanted to get that 8.1% for 3 months and it's actually legit. Thinking about moving my entire brokerage over to it!

[@smokejaguarsix7757]

Something she is leaving unsaid but I think its first in her mind is she wants to find a guy so she can stay home and not work. Truth? If she lost some weight she is actually quite pretty, has nice hands and a pleasant voice. If she lost some weight, and I dont even mean skinny, I mean just lose 40lbs she would be more shapely. Lots of guys would be fine with her being at home as long as she isnt lazy and keeps the excess weight off.

[@melbo6735]

This is worst case of financial guru brainwash I've ever seen. Dead broke and homeless while still trying to retire early, make passive income, have a side hustle, and start her own business :(

[@rebvanwinkelstein2578]

She could host *optimism*-courses 🤷🏻‍♀️😅

[@sheviper]

Just buzz words really

[@aeromedical6776]

And do all that without actually working. Great plan!

[@alepolait8951]

And she’s actually making money!

[@monkey39128]

Robert Kiyosaki has a lot to answer for.

[@__Niem__]

She could’ve literally stayed a truck driver and lived in her truck 🤦🏽‍♂️

[@chet6969]

I was startled when all that came out. Those long haul trucks have cabins built into them, mucheasiertolivein than an SUV. She could travel. She had to spend very little time with other employees. That was her dream job and she quit it because it was "unorganized".

[@whyamimr]

Turnover in long haul trucking is 94%. To a near approximation, the type of person who quits that job is "literally everyone". The industry is absolutely a shitshow right now. It's no one's dream job. Back before deregulation (in 1980) when it paid ? Maybe. Even in the mid-90s Teamsters at least had better healthcare than anyone does nowadays. But now? It's a mess, and people are dying on the roads at increasing rates.

[@korsakoff76]

@@chet6969Honestly, it's horrifying to imagine someone with her intelligence level riding a monster truck on the highway.

[@Omnicron800]

@@Needawholepailofwaterwhat’s crazy to me is that in my area of North Carolina cdls are needed like crazy that by itself earns you a job making 1500 a week literally driving a box truck around town for six hours a day I know people in this position it’s genuinely crazy to me.

[@Dee-yj1im]

@@Omnicron800damn 1500 a week driving 6 hours? Thats crazy good

[@OverThrowMe]

She’s the perfect example of how social media has convinced everyone they can be a landlord and it’ll just be super easy money with no work and no effort. It’s not easy. It’s a lot of work and it requires a lot of money up front.

[@jakeleisure8326]

It can be easy depending on the property and if you luck out on tenants And if you bought property anytime between 2009-2020, you've made out like a bandit

[@tylerbrown8486]

Exactly

[@Straymonsta]

It was still a pain in the ass then, I think people just gotta understand if your a landlord there is a chance you get people that destroy your property. That said they made decent money around that time but it was a pain in the ass with some people. @@jakeleisure8326

[@triswilsful]

​@@jakeleisure8326 we bought a property in 2019 and 2020. The expenses up keeping the house eat up most of the profit. The mortgages are getting paid down but it's a ton of work and we don't make a profit. We have good tenants too! People underestimate the amount of work and $$ it takes. I know I did when I first started. My expectations are way lower now.

[@PointSoldiers]

Is someone from america maybe able to explain to me how being a landlord is a lot of work? where i'm from you pay a real estate agency a couple grand to advertise your property and they handle everything, after a tenant is put in they take $10 a week and that's it.

[@Alinemoreno6]

This guest is so frustrating, but I honestly feel like she’s not all there mentally. The way she answers is like she’s trying to make everything click, but she just doesn’t understand

[@sbonelli]

This is exactly what I think. I don't think she's all there upstairs. She seems a bit slow to me.

[@nooyouuu6337]

Look up race an iq and it all makes sense

[@SleeplessSoup]

@@nooyouuu6337bruh wtf

[@user-xx2qb4hw2z]

So how did she pass getting her CDL and medical assistant for one year so she can pass tests and study but when it comes to working and planning she has total disconnect

[@sbonelli]

@@user-xx2qb4hw2z Because she's lazy. She's flat out lazy and she clearly says she doesn't want to work. But she is also slow, all her bells aint ringing upstairs. Both can be true at the same time.

[@ArellanoKartel]

A work from home job?? GIRL YOU ARE HOMELESSS😭

[@RedPilledFit]

Hi 👋

[@JUSTINSCOTT_OFFICIAL]

😂

[@kylesims4124]

Wow, I forgot she said that lol. I thought caleb was going to go insane haha

[@TammyMayCormier]

Work from car job using walmarts wifi in the parking lot

[@karimahpreston5753]

she meant work from the car haha. got her little laptop and shes good

[@kevingrisler4123]

One of my favorite sayings that I learned recently is "The rich stay rich by pretending to be poor, and the poor stay poor by pretending to be rich." Right now I'm not pretending, I'm just poor.

[@Laurenasmity]

😂😂😂

[@zeesworld3371]

Yap

[@griffinwade59]

Being boring and figuring out how to cheaply enjoy time at home is the quickest way to save money.

[@tammyb.8981]

At the age of 64, with a current net worth of 3 million, my sagest advice is..... "always, always, no matter what, live below your means".

[@bate181]

This channel proves that quote.

[@bigpynk]

She sounds like my sister… who is developmentally delayed just with a dash of severe depression.

[@mooniie5072]

This is exactly what I thought she needs proper resources and mental help

[@Lmay1787]

“I hate working.” Most people do. We do it to survive.

[@maliktorihane9849]

Literally almost word for word what I told my ex. "No one likes working. Even people who love their job dread work sometimes. If everyone had their "Druthers", no one would work and we'd all be millionaires. But that's not the real word. You don't GET anything. You EARN literally everything. No matter where you go, no matter what you do."

[@nicb8723]

This is like talking to a child about what they want to be when they grow up and they say a princess, an astronaut, and a famous singer.

[@LuchadorMasque]

100%

[@alex1vid]

But without wanting to learn how to govern or socialize like a princess, study & exercise like an astronaut, or work with a coach & practice live on stage & work with choreographers to be a famous singer. She's self defeating and doesn't WANT to do anything. She just wants things to magically happen because she's given up. She SERIOUSLY needs therapy - her obesity and diet is literally destroying her and ruining her energy.

[@CSpottsGaming]

Exactly my thought as well. It's honestly more sad than anything. This poor woman thinks being a millionaire self-employed trucking owner-operator is just around the corner so she can retire in her mid-40s and travel. I couldn't think of a more perfect case study on how badly the American education system is failing people in terms of personal finance education.

[@babydollkincaid4584]

She's has a learning and mental disability you can see this in her thinking, and she seems to be suffering from depression.

[@PirateoftheTouYube]

I mean I honestly think a part of the issue here is just her intelligence, to be totally honest. Like she doesn't understand things that are common sense to most people, she doesn't have coherent responses to things, and she can't understand how her actions impact even her immediate future. I mean honestly I think she has a low IQ, like bottom 5%, bottom 10%, somewhere in that range. Edit: I mean just watch 25:00 - 25:15 , that isn't how somebody with average intelligence acts.

[@privatezeron]

We're finally seeing the problems caused by those financial bros and gurus online. She literally believes it's THAT easy to make it. Caleb even said it. She's been sold a dream.

[@MegaJohnnycage]

Yeah but she is just saying thought bubbles, her statements are untethered to anything, just complete random words FIRE, travel, 30k, future, 1 million its all just complete nonsense.

[@wakinglife7065]

@@MegaJohnnycageshe doesn’t really understand the concept of travel. Like being a long haul trucker and going to Cali and not being able to afford LA. She doesn’t realise she is traveling. It’s not the destination but the journey. She may not go to LA this time but she might in the future but she still traveling. Make the most of what you have. She would go to the Eiffel Tower and say ‘I wanna go to the Eiffel tower’ staring at her phone. And someone says ‘you’re at the Eiffel tower’ looks up uninterested and says ‘oh is that it?’ Stares at her phone.

[@SingingMagick]

@@MegaJohnnycageyou forgot cash envelope system

[@nicolarichardson6973]

@@SingingMagickwhile not using cash

[@nevermore1570]

I just cant beileve she considers herself a truck driver. I've grown up in a trucking family, what my dad and uncles did for a living. What this shows is how badly the requirements have gone down. An owner operator use to know his rig inside and out and yet modern drivers barely do pre trip inspection. Let alone work with flat beds that take tarps and straps. Just rember she could be in a 12 plus ton truck coming on roads near you lmao.

[@erklesnerp]

This woman’s listening comprehension is almost zero. The number of simple continuance questions that she just TOTALLY lost the thread of… I’m in awe.

[@sbonelli]

There's something off with her.

[@shojinryori]

@@sbonellithere’s been a few people on here who have been kinda… not quite all there, yeah. I really think there are people who can’t run their own lives. 🤷‍♀️

[@amn1088]

@@sbonelli I would like to know how she grew up. I have to imagine her parents basically abandoned her at home all day so she got absolutely zero life experience until being kicked out the door. Especially the whole nail cutting thing like who in their right might who wasn't just abandoned growing up wouldn't know how to cut nails.

[@safijenkins5251]

I think she is depressed

[@PhildoBaggins]

This is just what 75 IQ looks like

[@whitedaisie29]

To me, she’s severely depressed, not delusional. She sounds she’s completely given up on life mentally and physically. She’s exhausted. I truly feel for her 😢 I think she needs more than just financial help.

[@blahblahblah058709]

Absolutely love when his shirt rides up and Finance perfectly disappears and it's just a big drawing of his face and the word DADDY.

[@lotus7144]

😂😂😂

[@Kallah_DaughterOfYAHUAH]

😂

[@stvphlopez5705]

😂😂😂😂😂

[@SpoonHurler]

Papa Dave puts on a hat... Daddy Hammer takes off his shirt. 😂

[@pistachiosandpopcorn7146]

Thanks for messing it up for me. I thought it just said “daddy” and I figured he was trolling.

[@princescott]

Her "my stomach hurts." Caleb "well don't fart." 💀💀💀💀

[@ses-ei7oc]

That made me lol

[@dionnehardin4398]

She couldn’t hold it back. She let her rip.

[@braydenmarks1139]

Me hysterically laughing to myself at work 😂😂😂😂

[@mlpzaqwer]

I hope he offered her a snack or something between that cut. 😂 my stomach hurts when I’m hungry too

[@HomestarCrawler]

"we don't need that in here" 😂

[@superholly]

@34:18 I’m dying! 😅 Caleb: nothing I think you may have been sold a dream on TikTok, and you may not fully understand… Marie: No, KZbin! 😂😆🤣

[@FrickPlstnFrickPride]

At least she's honest with him and herself

[@FrickPlstnFrickPride]

Nice content btw! ❤

[@Blingbling8899]

I’m a big fan! I’m learning Spanish and Your videos have been helping my comprehension.

[@user-qu8zt5rk6l]

Having had personal experience with a family member with this, she almost appears to me to be developmentally disabled. Until this is addressed, nothing else is going to help her,

[@hypkreationz3644]

Exactly

[@benpeters7472]

Yeah, I had the same suspicion as the video progressed, and she seemed to keep making statements that are not actually connected to reality. Broke, jobless, living in a car and suggests she gets passive income by owning a rental property. All the other stuff she said along the way as she revealed how she used to make more money as a truck driver, and seemed to acknowledge her current situation has been affected now that she's not working that job. Then in the next breath said how she didn't want to be a truck driver because it was boring. Then revealed that she quit that job as a truck driver. This poor woman needs someone to help her and make sure she's not making poor/irresponsible decisions that's going to entrench her into prolonged homelessness.

[@Somebodyelse141]

I also have a family member who makes a lot of bad decisions and refuses to help themselves who has a developmental disability (which she denies, says she's grown out of it 😑) but I don't get that impression from this girl. She just seems delusional. I've met many like her. They don't want to work, and they think an easy life will fall out of the sky for them

[@pan5001]

One day Caleb will speak to a normal person, but it is not this day...

[@bradk8590]

I'd love to see him talk with people who have it mostly together and their approach to finances.

[@jvolstad]

He is in Austin. Normal people? 😮

[@TheFireGiver]

I would actually like that. He should throw in some people who have relatively normal finances and then optimize their finances.

[@cuteyalexia]

​@@bradk8590 He had a few videos where the guests' finances aren't all that bad

[@knowltoncharie2374]

I don't think normal people get into stupid debt. People act this way because they don't know better.

[@emoney1231]

She was unemployed and either homeless or on the verge of being homeless and bought a car for $27k. That's something I can't even comprehend.

[@deirdrekiely6187]

It's very clear she doesn't think AT ALL about the future or the consequences of her choices.

[@buckwalker]

Yeah it’s a bummer that it’s legal, it’s an American freedom to flock ur life up.

[@landonwrld9994]

Only thing that makes it better is that she was planning on living in her car, bad part is that she decided after a week car life wasn’t for her 😂

[@alexrennison8070]

@@buckwalkerThat’s the whole point of freedom🎉🎉

[@terriplays1726]

She was sold on van life. People on social media tell you who they quit there apartment and travel around in a van. They sell you the "dream".

[@kokochepi3666]

“i’m surprised i’m still alive” only prayers for this girl, i hope she finds her peace

[@AnsonRobbins_Bodybuilding]

When she said “I’m surprised I’m still alive” my heart broke, this lady seems so sweet, it just seems like she was never taught these things growing up.

[@Somebodyelse141]

Not willing to learn, so I have no sympathy

[@jacquelinepaige-hammond3548]

I totally agree

[@starryeyedgyal]

This is just sad and depressing. It’s clear she needs more than just financial help.

[@Torpidity]

This seems to be the cast for 99% of his guests.

[@jecht86]

@@Torpidity Yeh, its the carnival show for financial youtubers. Train wrecks, all of em. Hard to watch, but wont want to miss it.

[@ck8579]

​@@jecht86 its the gen z, miilenial dave ramsey channel..

[@OwenHooper-mv4fm]

Taxpayers. Me and you. Democrat America.

[@snospoken]

​@@ck8579what

[@rmarquez25]

She should consider just renting a room. She doesn't strike me as being able to live solo and manage household bills.

[@Sweatyhorsecock]

Agreed

[@sierraw2107]

Great idea! I had rented a room for years and stacked my bread and kept my expenses low.

[@SarahRamsingh]

I'm also so confused on how she's 27 years old with this mentality. She's going to be 65 with no retirement, no savings, working as a city bus driver. Jesus Christ. That's scary.

[@spongebobsquarepants9649]

Or the maintenance and upkeep. It's a lot of work every season depending on where you live

[@r.8902]

if i didnt have a pet, i'd be doing this lol i work from home and am super quiet but no one rents out a room with someone with a pet around here for some reason lol i am hoping to one day come across someone renting out their spare house. i had a friend who lived in someones suped up shed that had ac and electricity and all he did was have his bed and gaming computer there and was paying like $300/mo

[@Shhisaidshhh]

The level of immaturity in this person is astounding. At 27 years old it shows how growing up was for her. The goals and scattered brain is rough to listen to. Wishing her the best

[@lavuair]

Right? And at the end being like, 3 years is so looong. Like, bitch you did this to yourself over the course of like 9 years so far. It didn't happen overnight

[@conrad9398]

Caleb goes in on these people because they need it - but to see how he actually cares about them and wants the best for them is really welcoming and heartwarming. You’re a good dude Caleb

[@ericonca]

She has been sold all the dreams hahah. Rental property, house hacking, FIRE, living in a van, cash envelope system, and retiring at 45.

[@HospitalLocksmith]

Cash envelopes will probably save her at this point

[@TaratheEnchantress]

@@HospitalLocksmithidk she doesn’t count cash as income … so she might not pay bills if everything is in cash.

[@vonydavis1150]

@@TaratheEnchantress Oh dear.

[@tylerbrown8486]

She can’t even clip her own toe nails. This is the most useless person I’ve seen on this show yet.

[@sea_of_chai_tea]

What is FIRE?

[@MonaLyssa33]

I make $70,000 a year and there is not a chance in hell I'd be able to retire in 10 years. My eyes almost popped out of my head when she said she wanted to retire before she turned 40.

[@bhnurse16]

I'm really glad Caleb did some math for her and showed she'd need to save/invest like 6K/month just to retire young if she wanted to do FIRE. I think the movement is a great idea, BUT it takes a lot of discipline, work, and money in order to retire comfortably in your 40's. I thought she was kidding when she talked about it :(

[@siegfriedbraun5447]

Lazy. Delusional, dumb and lazy.

[@TheIronChainMaster]

What irks me really hard is how she's talks about saving $6K/month like it's easy when she can't even hols down a job and quits when it gets too hard as if no one else thinks work is hard or hates their job.

[@leezak7540]

I honestly think she convinced herself of that to help her cope. Notice when caleb tried to give her a reality check her immediate response is "guess I'll die." Reality is too much for her so, she believes the delusion on the internet in order to cope / cling to hope.

[@MonaLyssa33]

@@leezak7540 Good point. I had a similar mentality when I was depressed. It's hard to get out of that mindset without getting some sort of treatment or outside support. I hope she's able to get help.

[@tracismith20]

I’ve been in her shoes and I’m still working on it.. sounds like depression. I’m proud of her for coming on the show and seeking help.

[@michellesosweet]

Same.

[@WinterM-hr3xv]

I don’t think it’s depression she really struggles to understand basic things

[@Suavek69]

​​@@WinterM-hr3xvyeah, she's confused why would Caleb consider CASH as INCOME. I don't even... Not knowing how much you make might be part of depression, not understanding why must be a marker of some kind of mental development issues

[@spicymango9983]

It’s like she’s depressed but doesn’t have the capacity to recognize it.

[@blackbutterfly233ify]

I was prepared to be mean but i feel for her because I am her. She is giving up because she is doing everything on her own and she feels lonely. She sees the end goal but not the journey to get there. It's a long process and not an easy one.

[@TrickyMickTrucking]

Truck driver here! I feel for here. It does suck at first. You get barely any training, management doesn't care, and any complaint could get you fired! But, a few years later, I'm making incredibly good money, $140k a year as a company driver, and I enjoy my time off with my family. I'm able to save for retirement, invest in my side businesses, and have a real future ahead of me! It's not for everyone!

[@jaydubya9265]

What do you do in trucking?

[@Vendettagames95]

Certainly isn’t. I’m a truck driver as well and it takes a toll mentally

[@CalebHammer]

Love that

[@TrickyMickTrucking]

I haul chassis trucks like f750s before they become everything else like RVs, dump trucks, and sometimes bigger vans like the transit 250! It's a great field! Specialized hauling pays well.@@jaydubya9265

[@cedricbelleblazerfan]

What company do you work for if you don’t mind me asking?

[@gourmandgarden]

First time I’ve heard someone flat out decline the tech course…girl…he is trying 😭

[@meganhoose]

I took one of the tech courses he promotes in this video and it was great! I’m doing more courses to on top of that to land a full time tech job and if it wasn’t for Caleb, I wouldn’t know about online courses/certificafions. It may not be her passion but I think she should have taken him up on the offer to try to start a career and make stable money

[@ramoncontreras8689]

After she mentioned a work from home job….

[@tugboat2030]

A job she probably doesn't have to be on her feet!

[@nczioox1116]

She wouldnt be able to make use of it anyways. Im halfway though and she doesnt seem to have the drive to have a career in anything

[@Aquaria2291]

​@@nczioox1116 she doesnt want to do anything. She is gonna be 40, still talking about in the future. 😭

[@DarkXenoGaming]

I think social media has ruined people

[@DeniseSyrett]

She sounds depressed. Irritable and not wanting to do anything. I can’t believe she chose to live in her car. I didn’t know that was a thing.

[@aaronnelson1191]

Getting a job as a bus driver for the city might be a good idea. Health insurance. Decent wage. Regular hours. Stability. I am heartbroken that she is working this much and does not have a home.

[@sitlalyavelino6878]

Also some cities pay them while they train. They're desperate for drivers and want to make them stay for the long run.

[@LifeBetweenTheDash]

Excellent idea. Just don't do school bus driving way too stressful.

[@logan982011]

2 things 1 don't feel to bad she's doing it to herself 2 I'm almost 100% sure she would say she hates kids so she can't do that job. Because she said that in the video

[@Karlalovescandy18]

​@logan982011 the comment said a bus for the city. Like a public transportation bus in the cities not a school bus. But still kids ride the bus in the cities so you might still have a point.

[@harrietxo2310]

@@logan982011there is more chance for adults to be in the bus than for predominantly children. a bus driver for the city differs from a school bus driver, so I don’t think the commenter is referring to school buses

[@StaciaBielka]

This guest does not annoy me, she’s actually pretty calm and way more polite than most of the recent guests. I hope she’ll care about her life a bit more and get better.

[@meh4062]

I felt same i just saw someone trying to figure it all out

[@twentysix1230]

Nahhhhhh she’s lazyyyyyyyyy ah

[@stanrix]

@@twentysix1230yep. Barely has the energy to pronounce words correctly.

[@gokuto1064]

That’s almost worse, though. Calmly delusional.

[@capitalist4life]

These clickbait titles are getting old

[@vintagetimmy1893]

This shows how dangerous social media is to the minds of our young people.

[@jdy89]

Marie, im about halfway in and i just wanted to say i hope you start valuing your time, life, and body. A better life is possible but it isn't easy. Work hard and respect your future self enough to make good choices.

[@chaoyishih8324]

she is actually pretty sweet consider the guest Caleb had in last few weeks, singer single mom, OF couple, car living lady, crypto dr...etc

[@afran207851]

which episode is the OF couple?

[@Potato5auce]

@@afran207851episode is “moron blames girlfriend for their failures” dude was paying for OF while in a relationship

[@lordowl3533]

​@@afran207851they don't have an only fans, the girlfriend discovered that her boyfriend was subscribed to like a shit ton of only fans during the show and said it was her fault cuz she's old

[@dominiquehall4807]

@@afran207851 kzbin.info/www/bejne/joOnmWembJimoJIsi=3SmjTAz8yQKuVqAA

[@HughyBear1]

@@afran207851Third latest episode but they aren't an OF couple, the guy was just spending on OF without her knowing

[@stanton7847]

I just realized that there are a lot of people who think that speaking to a financial advisor is going to fix their situation without them changing anything in their life.

[@margaretqueenofscots9450]

This!! This is the whole show, basically.

[@mindoablues]

The reality is very few advisors would actually work with someone like her. A coach maybe. But it takes a tremendous amount of time to put together a financial plan. Frankly, she isn't even at that level for one, nor would anyone look at her as a prospective client. But if someone with this kind of attitude was working with an advisor, there's a high likelihood of them getting dropped. An advisor is a fiduciary and it can put them in murky waters if the client is consistently not following advice. It's a sad situation

[@Bhodisatvas]

Yes, a case of "Here is my mess, make it work for me!"

[@christopherwanamaker828]

Yeah quite sad isn't it? They think by going to a Financial Advisor that someone is going to review everything, tell them things aren't that bad, hold their hand, take on all their adult financial responsibility, and fix or solve all their financial problems, and do everything for them. These people think they can act and behave immaturely for along period and then go to someone better and smarter then them, so someone else can miraculously fix everything for them and then everything will be fixed and reset like starting a video game all over from the beginning. They want to avoid growing up and solving their own problems because its scary, difficult, and hard. Welcome to adulthood people, now get to work!

[@lindajohnson.]

They all want a plan! So many are upside down and you can’t create a plan. Most will probably not follow it. 😢

[@jamie.h5850]

When I worked at Mcdonald's, it also gave me anxiety, especially during rushes, but I pushed through it bc I had to. If I could do it as a teen, taking medication for anxiety, and being on my feet for 8-9 hours straight, she can do it as a 27 year old.

[@saffronn8053]

Thanks for being empathetic with this guest, she’s got some deep deep issues that go further than just financial issues 😢

[@melissamccormick1506]

The argument over having to pay $40 to get her nails cut because they were long when you can get nail clippers for a couple of bucks is SENDING ME

[@AlejandraMeraz]

I wonder if she is having trouble bending enough to reach her toes, that is the only explanation I can think of

[@ses-ei7oc]

That was insane.

[@SpeedexUltimate]

@@AlejandraMeraz Yes that's why some people get pedicures instead of just doing it themselves

[@tiawana420]

Ma'am, where are you being sent?

[@bate181]

​@@AlejandraMerazexactly the reason.

[@heyitsthatdood]

Why does she answer every question like she has no idea what’s going on with her own life.

[@churchofmarcus]

Hear me out, she has no idea what's going on with her own life.

[@heyitsthatdood]

@@churchofmarcus 🤯

[@Mrsneezy111]

Because she in fact has NO fucking clue what is going on in her life. The girl didnt even know you could CUT YOUR OWN NAILS

[@JK-mv1tv]

I feel like almost every video I watch these people are ALL like this. They have no clue

[@xXrhin0saurXx]

She answers like she’s talking about a totally different subject😡 Really annoying. “What were you doing before?” “Truck driving” “you said you quit” “What?” 🤦🏻‍♂️ What do you think he’s talking about?? My God….

[@beckys8332]

She’s a beautiful young lady, who seems very sweet. Bad food can affect mood, comprehension, which definitely affects decision making. Also, it seems that she needs better life examples. I can see her excelling around real successful people. Right now her only examples are KZbin influencers. I pray she gets the help and examples that she needs.

[@betty-boo9821]

Where are her parents? She should be living with them

[@abyss0429]

This is one of the best examples of how social media can deceive a person. Some of the buzz words we heard during this audit were "passive income," "FIRE," "car life," and "house hacking." It's rough to see people get excited about starting something that's so far out of their reach. They are ignorant to their starting position but have a desire to get to the finish line - they don't know how much work it is to go from A to B. While this guest was all over the place with motivations, life goals, and her own standards for working it's a valuable audit to show how much influence a youtube short can have on a person.

[@javajav3004]

Very true

[@monkey39128]

All that stuff is achievable but definitely not as quick as these gurus make out. People want everything immediately.

[@Nireni]

Agreed. It all sounded like she went down the tiktok rabbithole of all those people promising "5 ways to retire young" "3 simple ways to make a passive income" "This is how I made 100k in 6 months" and the like and just took their "results" without trying to learn what the starting points or circumstances are for any of those situations, if they were even real, and what actionable steps she needs to do to even start planning for the future. She wants to "house hack" she wants someone to do her budget for her, she wants to travel without having to work. All I got from this is she wants to be handed money without doing anything for it. Heck, even to be an influencer although a lot of is luck with the algorithms, you still have to put effort and work to keep an audience and grow it. It doesn't fall outta thin air.

[@PANIC_aka_PinD]

I think if you have the right buzz words, it can work - get a job, pay your bills, don't live beyond your means.

[@benjaminvos42]

Ignorant should be her new buzzword

[@amac012]

the evaluation of her comment "sometimes I just don't want to work" is a tough one. cause face value it sounds lazy and entitled, but in the context of her other comments and tone, it sounds more like "I want to want to work, but everything feels too hard sometimes". Like nothing is bringing her joy except for food and stagnation, and if you have no joy in life it's a lot harder to subject yourself to a job that's not joyful.

[@aic0809]

You worded that perfectly. This video was very sad to watch. She sounds so defeated. 😔

[@unavoidablycanadian397]

So very true. I love hard work, but working for someone who is unorganized and provides poor training is absolute hell.

[@vincerodriguez5741]

I honestly felt that, I hate where I work now, I can see why she feels that way

[@dragonstooth4223]

I think you said this perfectly. I want to be on her side, she doesn't seem like a bad person, but she does come across as defeated by the world which is why she's not making good choices. She hoped buying a nice car and a phone and a laptop etc would give her happiness but she highlights these things won't help you there.

[@hhjhj393]

Agreed it's insanely demoralizing to be working as much as she does yet not have any ownership of anything... Which is WHY she needs to manage things better so that her work can actually go to building something meaningful.

[@blessings4life]

Excellent closing line with the percentages, her sign of relief was a bit of hope she needed. You're really doing a great job Caleb!

[@MaryGourd]

Just found this today. I believe she's on the spectrum. That being said, she can learn. She expects Caleb to do all the work and she'll try to follow it. She's depressed, lonely and very overwhelmed. I hope she can get someone who will really help and guide her.

[@Supermoneygang12]

She’s not on the spectrum she’s just lazy

[@Thumbstickgamer]

Proof that TikTok, KZbin and other social media's are killing peoples financial understandings.

[@amp2193]

Social media is a helluva drug!

[@Laurenasmity]

This is just painful to watch!! 😮😮

[@Abby-ug4xc]

Wdym, youtube can be great for financial literacy This whole channel has made lots more people more self aware

[@okrodeo]

its simple math tho….. additions and substractions

[@pinkisforpimps]

Hey but just get passive income and you'll be good, am I right?

[@caschweitzer1]

Her parents have failed her miserably. She literally has zero idea of anything going on in her life or in the real world. I feel bad for her, she answers every question with a question and has no grasp on what it takes to make a "high income".

[@elenad8712]

Exactly, they failed her and didn't parent or she ignores their advice. For example, I'm one of three kiddos, parents weren't the best and did the bare minimum. Their general advice was work and save and figure it out on you're own. 2/3 of us are doing a lot better than our parents were at our age. The other 1/3 is struggling, she refuses to be accountable and blames our parents. I understand what she means but at one point you have to work and learn as much as you can along the way to do better for yourself.

[@lauriechan2966]

Her parents didn't fail her. She failed herself. It's called BEING. AN. ADULT. Past 18 years of age, we don't have do anything our parents say. We're grown adults with complete autonomy over our lives. As a result, it's OUR responsibility to give a damn about our own lives and well being. WE ARE RESPONSIBLE FOR OURSELVES. Our parents can talk till they're blue in the face, and they still can't do ANYTHING about our negligence. At the end of the day, my opinion is you should own your shit.

[@lauriechan2966]

I came from a family that taught me ZERO about finances. My family was toxic and physically abusive. I got a job at 16, moved out at 17, been living completely independently and solo for 23 years. I'm going to be a net worth millionaire in the next decade. I've had zero college education, and earned about $50k-60k a year my entire career. I've watched KZbin EVERY SINGLE NIGHT after work and in my time off. I've read countless financial books. I've studied and poured over all the money master's and gurus. I taught myself literally everything I know about money. I have an 800 credit score.

[@ch3rrikiss]

This is what happens when you just kick out your kids at 18 with no life skills. They don't fly, they freefall😢

[@adamseidel9780]

Actually, she already MADE a high income. A very high income for somebody with minimal education. Then she just quit.

[@Itsadarkworld34]

As a former truckdriver who was homeless during my time as an otr driver, the best thing I did was put all of my stuff in a storage unit and I practically lived in the truck because it's a home on wheels. I'm sure she could still get back into a truck for long hauls as long as her cdl is till active, pay off her debts, save a butt load of money and then get out of the truck with something lined up for her to do for a living. Or start a career in. Then again, she's making stupid decisions based off what she feels like doing. Remove the emotions and follow the logic

[@TryHardNewsletter]

What is the address on your driver's license when you do that? The storage unit :D ?

[@Itsadarkworld34]

@@TryHardNewsletter 420 Elm Street

[@Capnck]

Congrats on 1 million subs, Caleb 🎉 I’ve been binging your videos for months and have been cheering you on to 1,000,000

[@gizib14]

I hate being a nurse getting verbally/abused, bodily fluids, standing 12+ hrs and no lunch or pee break sometimes but it pays the bills. I love traveling and laying on the couch but you have to do what you have to do.

[@vonydavis1150]

Yep. This is my life. You have to take care of yourself and push through.

[@stuff1784]

Yep

[@deirdrekiely6187]

Getting no break is illegal.

[@hofterup]

@@deirdrekiely6187 Hospitals take advantage of the fact that most nurses are too kind to let people die on their watch. Thus no breaks.

[@AgentSmith911]

Nurses in my country make $75K a year, but then again it's also a masters degree here.

[@j.c5369]

Yo!!! “thinking about getting a rental property “ while living in a car is crazy.

[@rguimond]

Even if you do own a property, you're lucky if it pays your mortgage and MAYBEEEEE an hundred or two of extra cash.. that certainly would go back into the property for repairs and maintenance. She's thinking it will just provide a lifestyle for her.

[@dirtyrottencromag]

Maybe she's talking about getting another car and renting that out 😂

[@l-train7876]

@@dirtyrottencromag🤣

[@Prestige_07]

"In the future, duhh"

[@pinkisforpimps]

Tik Tok has melted her brain

[@kellyrebollo2572]

watching this late, but I am rooting for you girl. I think she is tired and knows she needs to change things but just isn't sure how. When you have been shot down over and over it is hard to have the motivation to keep going and be resilient through hard situations like homelessness. I feel like she was really processing stuff verbally, and was asking questions because sometimes Caleb goes really fast. Good luck!

[@missmahnee]

I think it’s really helpful to relate to your own struggles as similar to the guests.

[@ProfessionalLawnCare]

It’s terrifying hearing people use words like passive income and fire with not even knowing how to operate a calculator. People are becoming walking internet memes because they are easily sold on a fantasy lifestyle but have zero ambition to follow through.

[@Canadish]

It was just buzzwords. 'A little bit of knowledge, is a dangerous thing'.

[@hornetguy9063]

Yeah. She not only has no idea of what she’d actually need to retire, she doesn’t even know how to calculate it. She probably needs at least $2m to retire. And since she needs a home, too, probably $2.5m. Adjusting for inflation, she’d probably have to invest at least $110k a year for 15 years. Something she simply isn’t going to do

[@TheIronChainMaster]

Taling about FIRE and passive income but quits every job and doesn't want to work and hates working ash she put it.

[@benjaminvos42]

@@Canadishsadly doesn’t even have a little bit of knowledge

[@eccentricfeminine]

Don’t forget “cash envelope system”

[@AceofBase2024]

she seems depressed :( even though most of her ideas and life plans are delusional my heart actually goes out to her because you can tell how low she feels

[@amyomeara2515]

Yes this. She should visit a doctor. She even speaks and moves slowly. And brain-fog kind of thinking, like she can’t figure things out very quickly. Definitely could be depression or a thyroid issue or … ?

[@vonydavis1150]

I got this too while halfway watching and catching up on work.

[@stuff1784]

Yeahhhh

[@stuff1784]

@@amyomeara2515Depression and maybe a low IQ issue too, sadly.

[@noraa2635]

Would help if she got medical insurance first

[@missmodern]

It's like this guest is heartbroken that she's not living a fantasy life.

[@chachisadventures3378]

This is the perfect example of what social media does to people. She’s so confused and living off the “reality” of tik tok and KZbin influencers.

[@EmmaLuna7]

“I don’t want to work. I just don’t like to work.” -- everytime! No one likes to work!!!! Being an adult sucks!!! Be one anyway!!!

[@amp2193]

I don't like working. But I don't like be a broke homeless bum more.

[@yamomma8560]

@@amp2193i swear 😂

[@kimberly8185]

I dont like to work either. I didn't know that was an option.. I lied. I actually love my job. I'm just exhausted all the time. 😅

[@aliceiscalling]

Work is about finding a job that you can both tolerate and live off of. Some people are allergic to that.

[@crashtestdummy1972]

I enjoy working, i do wish i had more leisure time but i enjoy my secular work life

[@hannahl3891]

She has been the most pleasant of the past at least 5 guests. A little delusional maybe but she didn’t get on Caleb’s case over the difference between Spanish and Portuguese 😅

[@PepsiInc341]

Wait, which one was this? I think I missed it 💀

[@kshot1999]

@@PepsiInc341oh man you are MISSING OUTTT its the one right before this about the “wannabe popstar”

[@PepsiInc341]

@@kshot1999 on my way now, thank you 🫡😂

[@crumbsburner250]

@@kshot1999Probably the funniest one so far lol

[@stuff1784]

@@kshot1999She is INSUFFERABLE

[@tonychocolony7938]

I have just learned that one cannot use cash to pay for bills. It's only possible to spend cash on "fun" things.

[@LoreCe]

I really really need the updates videos from every guest

[@theycallmedreee]

“I don’t want a career. I hate careers.” Some people just don’t/ won’t ever get it.

[@CalebHammer]

That one hurt me

[@shanyshan603]

I had a panic moment when I heard that… my career is something I’m so proud of and work hard at and not having that motivation or passion for something I can’t imagine

[@ses-ei7oc]

"I hate kids. I may have kids." Uhh.. say what now?

[@ses-ei7oc]

@@shanyshan603 Same. It would be a meaningless life imo.

[@sharonoddlyenough]

I can sympathize with that statement a bit. In my Ind, a career implies a management position,which is slightly more money per hour for a ton more responsibility and BS. In retail, which is 90%of my work experience, that includes shielding lower ranked team mates from shouting Karens.

[@lauren-gf2mt]

fast food ruining her body, social media ruining her mind - it’s unfair really because some people truly struggle to detach what they see on their feed from real life. we should show people like her some grace because we most likely have someone in our lives that move like this. rooting for you girl! put that damn phone down

[@Torpidity]

The industrial revolution and its consequences

[@alexrennison8070]

@@Torpidity People & groups of people still behaved in ways they do now pre-industrial revolution😂😂

[@thebaglady1443]

@@alexrennison8070 explain the groups of people theory further....

[@alexrennison8070]

@@thebaglady1443 It’s not a theory, but I feel like you’re just looking for an excuse to be horrified over nothing.

[@jasmynnmaleah7553]

Literally wow. I’m going to not say what I want to say.. Great channel!

[@maddylions5680]

I'm really rooting for her. I imagine living in your car and working that much makes it hard to stay motivated but I hope she can do it❤

[@jenniferfriesen7691]

But she doesn’t have to live in her car. She needs to work, rent a room and get her life together.

[@kathrynjenkins6412]

This is really sad. Delusion is an island, and she's living there rent-free.

[@Visokolovic]

She can’t even afford rent on that island

[@FormerPessitheRobberfan]

The island is shrinking. She's gonna have to live on a boat soon.

[@Raphanne]

For the anger issues and the irritability, what we eat influences our mood so much. Having nutritional deficiencies can directly impact your mental health.

[@frankvonfrauner]

Yes, clearly her problems stem from her not eating enough.

[@catgrrrlart]

@@frankvonfrauneryou can be malnourished and still be overeating. If she ate nutritionally rich food, she would feel a lot better regardless of amount of food.

[@christopherbutrusian5763]

@@frankvonfrauner they said nutrition-filled food. being overweight doesn't mean you have your nutritions accounted for, just means you have extra protein carbs and sugars probably

[@andrewfolk5283]

@@frankvonfrauner😂

[@Raphanne]

@@frankvonfrauner have you heard of the concept of being overfed but undernourished? I can garantee you that she has nutritional déficiences in zinc, magnesium, potassium, iodine and vitamin Bs at the very least.

[@rachelleg7451]

I’m rooting for you Marie 💗!!

[@thebassfisher31]

Props for your patience man..

[@joycef8443]

I counted up two days of her charges for food. She dropped about $40 a day on fast food, that’s 1200 a month!

[@michellesosweet]

That is likely her only source of happiness. She seems to be depressed. She mentioned just ending it. Shes clearly using food addictively because there doesn't seem to be much for her to live for.

[@annonone93]

When you’re homeless it’s easy to overspend on food since you don’t have stable refrigeration, cooking supplies, and even a way to cook. (It all depends on season and where you live. Luckily this is TX so parks in the winter that have a grill can be usable, but mental health is a major factor for this.)

[@ToastbackWhale]

This woman gives me the same vibes as the one girl who got fired because she would clock in to work an then go park her car, used company equipment for personal messaging, etc. Just totally detached from reality.

[@Sugr456]

Yesssss omg they would be besties lol

[@Lilsodapop__]

What episode is that?

[@rebeccalahti9468]

@@Lilsodapop__its about 6 months back episode is called im done

[@LunarLocust]

She Blatt, an she feemail

[@clearyx]

Was thinking the same thing lol. It blows my mind people can be this delusional

[@fsm12385]

The most frustrating episode, Prayers sent gor this young lady

[@LegionCommander]

I genuinely like this girl and wish her the best. She seems like a very nice, kind person just way in over her head financially. The budget should help her immensely if she follows it. I hope she gets into a better situation and prospers. Pretty cool she has a CDL even if she's tired of that line of work. Best wishes!

[@ursonate]

Hate to say it, but this reminded me of conversations I've had with a cognitively disabled family member.

[@allthatsheiz]

I don’t hate to say it. 😒. If we don’t people can’t get it together

[@deirdrekiely6187]

Exactly. People keep saying she's depressed (and she probably is) but she's intellectually slow, aka cognitively challenged. In other words, she can't think in any complex manner.

[@prchix]

Same!!! Lives in a delusional world where things will just somehow appear, without putting any work to it.

[@Katia413]

Her face has the hallmarks of FAS

[@LiamRichie825]

@@allthatsheizcalling her cognitively disabled is going to get her out of debt?

[@texasgirl5787]

“Every American is like that” GIRL not this American don’t put that evil on me Ricky Bobby😂

[@cococolonel]

Oh my god I say that all the time in real life😂

[@j.asmrgaming1228]

there is a very big difference between the average American and every American

[@CjR88]

We feared zombies but if financial irresponsibility were contagious I'd be living in an underground shelter

[@RayTheomo]

Something about your name being "texas girl" and defending Ricky Bobby made me laugh harder than i should have😂

[@Jason-lc2lp]

I heard Michael Clarke Duncan 's voice.

[@mc_creates3499]

This woman seems so genuine. She doesn't seem to understand it all, but she seemed like she was actually here for help.

[@jenn541]

Homeless person: I don't want a career or job. I'm thinking of getting a rental property. 😑

[@euridicecuesta]

My heart goes out to this girl … we can all sit in our homes, laugh and criticize but this is a young woman who’s hurting. She’s angry, confused and isolated. Depression looks different for everyone.

[@AmexL]

She's also severely overweight.

[@nomoregunsinthevalley]

Exactly!!

[@joancampbell7995]

She just needs a lot of help and guidance, there's a bigger story here. How has she ended up living in a bloody car😢

[@mtb4657]

I couldn’t agree with you more. My heart goes out to her. This could be any one of us. Mental illness definitely looks different for everyone and for those that have no compassion or empathy be VERY careful Making fun of her because you could be in her situation next month. I pray that she gets the help that she needs in every way because she deserves it. Sending healing to her and positive vibes.

[@jbear0813]

Yes. It also sounds like she may have developmental delays or challenges, and it’s unfortunate when they are used for entertainment

[@redink5623]

Everytime i open a shopping app, I imagine Caleb shouting "YOU DONT NEED IT" and close the app

[@DameTara]

I gave up online shopping for lent.

[@ellyjessie8500]

the fact that Caleb was like, "are you pranking me? ARE you pranking me?" LOL

[@12041996amaris]

I needed to see this.

[@itzpfitz24]

I really do feel bad for her. She is incredibly out of touch with reality.

[@Caliabra]

So let me get this straight - do you want a career? No! Do you want to work hard? No….Do you have any ambition? No….except I want to FIRE and buy real estate. Oh lord

[@jones2277]

She’s burnt out.

[@tvdavis]

To be fair: I make over $145k/yr & I don’t want to work hard either! I wanna sit on my ass & get money from real estate investing too…but these bills ain’t paying themselves in the meantime! 😅

[@SarahRamsingh]

She wants the rewards but not the work that gets you there.

[@Caliabra]

@@tvdavis I mean fair I keep telling my husband to make more money so I can stay at home haha

[@melissaonthefritz6380]

I'm a truck driver. 8 months out of school, I stay otr Sunday thru Friday. Guess what I don't do? Complain that I've got to pay my dues and get the experience in before I'll be able to get a local dedicated run that isn't being just a "yard dog" at a plant. She's entitled, and lazy. And she'll never improve her life until she embraces the sacrifice you need to make to do it.

[@bookdragon3806]

She needs to rent a room at first. My little sister did that for a year and it really helped her establish herself financially while feeling independent.

[@TheSooraj93]

Every time I see one of these videos I automatically open my bank account on the side and start calculating the shit expenses I have had this month and imagine Caleb shouting at me. 😅

[@ninevanillaninjas1018]

open all my Credit card apps and pay down the balances, even though I do that every Friday anyway. LOL I get anxious and start double checking all my accounts.

[@drewmortenson]

Haha same for me, I made a financial spreadsheet document in google drive that I use, these episodes encourage me to update it consistently and to look at the bad numbers.

[@CalebHammer]

The plan is working 😅

[@BryanJamesMedia]

YOU ARE NOT A CREDIT CARD PERSON!

[@somethingsomethingsomethingdar]

Same here. I’m keeping a spreadsheet of my expenses. Fast food and useless stuff is under “Taquitos”

[@AF2277S]

I'll be honest I do think this women has been sold a dream but she's been sold a dream while also being despressed. The way she talks about life, work and almost everything she doesn't seem to care or have much emotion.

[@sheviper]

Agree, she seems cognitively slowed and low volume voice which can be signs of depression

[@Lmay1787]

One of the very first questions he asks she doesn’t even answer. “Why shuttle van?” She answers with a definition of the job.

[@harlequincarter4550]

Hey caleb have you ever considered partnering with someone who can help teach people and guest how to cook on the budgeted meal plan? Allot of people are so dependent on fast food that they dont even know where to begin meal prepping

[@jjvalles7]

Every guest is always just starting a new job it feels like

[@jacobedler296]

Yeah, I'm kinda getting sick of this stupid show. It's not financial planning advice, it's just schadenfreude. Find someone who gives a shit please.

[@ImSuhWeet]

I commented this in the last video that how many of these people "just started a new job" is truly mind blowing

[@TheAlwaysAsian]

Or just started budgeting

[@iP0intNLaugh]

I just started this new comment

[@mmmd3429]

Only trainwrecks are invited to the show. Drama gets the views.

[@Apophlegmatis]

As an overweight person dealing with foot issues at 34, eating better and losing weight will help so much. I can't imagine how hard weight loss would be living in a car, it's already hard enough for me living in an apartment. You can do it, just stick with it!

[@TheIronChainMaster]

Tuna packets, salads at the salad bar or prepared in house. Apples, pears, avocados , and bags of popcorn is what I buy for my weekday diet.

[@goeblincitycosplay]

Whenever I get bored and have the urge to shop, I go to the gym. If she hits the gym daily, she's also got a place to shower and get ready.

[@cereal76]

​@@goeblincitycosplaythe planet fitness is becoming the mecca for people living in their cars. All the showers you want for $10/mo 😂😂 That's how I did it!

[@jordy_muhnordy]

I wish her the best and I really hope she can overcome her debt. She's trying so hard to make it on her own, what she really needs is a life coach or a therapist or someone in her corner supporting her. I can completely understand why she wants to find a "get rich quick" way to fast track retirement, she's burnt out. As frustrating as her situation is, Caleb needed to show some compassion and give her some hope that she'll be able to succeed.

[@IzzysTravelDiaries]

She reminds me of my father. He used to work as a server at high-end restaurants. He was making pretty good money, but he hates working. So he got his own bar, thinking it was less work. He was never there, so the servers pocketed a lot of money. He didn't own the venue, so in the end he was bought out by the owner and didn't have much left, because of course, he had a lot of debt. I cut the man out of my life 11 years ago.

[@reallygoodgirl]

This poor girl has been let down by several people and entities. If she wasn't in special education in school she was let down, period. This video is the largest argument for financial education for people with learning disabilities I have ever seen. It is obvious that this woman has some sort of special need that hasn't been addressed, and it breaks my heart.

[@kaythegardener]

I have worked with several people that had developmental handicaps & never got past 3rd-6th grade in school. Yet they were much sharper financially than most of Caleb's guests!!They lived within their means & watched their savings accounts like hawks!!

[@reallygoodgirl]

​@@kaythegardenerabsolutely! I was just saying to my husband (talking about this guest) that we have personally known people with profound learning disabilities who had their ish together MUCH more than this woman does, and I lay at least part of the blame for her situation on the people around her who obviously did not do a great job of guiding her. She just grasps onto stuff she's heard on social media (the car living, FIRE method, etc) and just assumes it will work - critical thinking skills may not come to her naturally, but she could definitely be taught them and be able to use them.

[@babydollkincaid4584]

I totally agree with you. The school system failed her and her parents or guardian just could not help her.

[@babydollkincaid4584]

Yes, I've know people like her who have got lost in the educational system and were never able to recover when they should have had special education classes so very sad.

[@SarahRamsingh]

You all have GOT to stop making excuses for people. Her mental decline comes from wanting the end result but not the work. See how fast she said she didn't want a tech job or a career? Want to know why? Because studying and work is involved. No teacher can make you do the work that's a CHOICE you make for yourself.

[@rdavidsmith]

I honestly feel like whoever is producing and vetting these people is playing practical joke on Caleb

[@lindala2602]

My theory is, that they took out a life insurance on caleb and now tries to trigger a heart attack

[@Username0467]

People with bad finances aren't typically the most put together people lol

[@rdavidsmith]

@@Username0467 true but these last 5 have been pretty out there. I mean barely functional adults not just poor spending habits. Also ignorant of how basic reality works.

[@j.asmrgaming1228]

Caleb's big thing from what I've heard him say is helping the people who need it most. which is why it's not just people in bad situations but homeless, jumping job to job, ect. @@rdavidsmith

[@amp2193]

Crazy = views

[@Pustul]

She has been really pleasant and it’s a nice change of pace compared to recent guests. I feel really bad for her situation, I hope she can get better, but she is going to need more than a one hour conversation to get there.