Couple Is Going To Die In Poverty| Financial Audit

[@wyatt1339]

There’s something poetic about 2 car salespeople being in vehicle debt

[@kutgoogle9979]

Sell the freaking SUV… $60.000!??

[@loriclark553]

And she is only 21

[@Wentr-z]

And to rationalize it with “well car sales people are the easiest to sell too”

[@greenAbbot]

I want to agree with you, except that I know too much about how the dealers are making out like bandits due to political connections, while the salespeople struggle to get by. The whole system is disgusting.

[@Holio88]

@@greenAbbot yeah, it’s messed up. Never go into car debt.

[@erinerinerinOOO]

They financed an iPad for an infant. Horrible parenting choice and horrible financial choice.

[@Jyock]

Kid doesn't need a ipad! For a very long time

[@robbank8027]

​@@Jyock how bout never

[@unfantasize]

Even if they need a tablet, could have gone with a cheaper tablet $50 tablet or even a second hand one. Heck use an old phone

[@Jyock]

@@robbank8027 probably better... But my youngest son was issued one from school.

[@airybrook]

@@Jyock But not when he was an infant.

[@alecjoncas7764]

The fact that she is unwilling to sell a car for 50k to lower their debt substantially is crazy to me. These ppl would rather look like they have money then actually have money

[@katelynnorr3513]

Sad thing is they have HELLA money. They double my family’s income plus some and we survive, she has a ridiculous amount of credit cards, definitely should stop at 1 or 2, 8-10,000 a month is nuts

[@TonyCox1351]

They financed a new i phone, new Apple Watch, new I pad, Apple Music, Apple care…they literally just say yes to everything. Salesman dream in any store they walk in

[@theknightikins9397]

@@TonyCox1351I was in an Apple Store recently to get a new phone and the couple in front of me were just like that. They got upsold on every single option. I will never understand that thought process but it seems like a very common occurrence.

[@matthewleger5086]

Welcome to America

[@sdot5389]

@@TonyCox1351I’m sure they bought Extended Warranties on everything too

[@colormegrumpy]

$120k in consumer debt and no house. $120k could have been a wonderful deposit on a home. Instead they have two cars depreciating in value, an iPad, and an Apple watch. So sad.

[@U.s-epa]

That didn't mean they ever had $120k to throw down on a house

[@babynoodle42]

@@U.s-epaI think they meant instead of spending that in debt and they put money aside they would have a nice down payment.

[@aliciacarstensen7904]

​@@U.s-epathey would have if they threw that money into a savings instead of swiping their credit cards buying an iPad for an infant😂😂😂

[@alexiskitchens]

Unprotected sex with a coworker?! Started dating after pregnant? She quits before maternity leave? The debt? I’m not trying to be judgmental but some frightening decisions were made. 😳

[@alexiskitchens]

And he pays child support for another child?! My lord. Would not be surprised if divorce is around the corner, the finances are atrocious 😭

[@soapa4279]

"frightening" is absolutely right to describe this "couple" lol

[@christinalittle3708]

She was so young for all of this. I was a young parent too, it took a few years for adult stuff to click for me. Hope she can turn this behavior around. 🤞🏽🤞🏽🤞🏽🤞🏽

[@rhino1876]

Yeah I try not to judge couples with a large age gap when one is barely an adult but I have to admit it’s a hard one because my own bias. Then when he said the same last name at the beginning I went “Already MARRIED?!” Then a KID on top of all that?! The kid is 1 and pregnancy lasts like 9 months so she was most likely 19 and pregnant. Oy vey.

[@jaqueitch]

Sounds like a bunch of cross-procreating going on 🤢🤮🤮🤮Why? WHYYY??

[@PointSoldiers]

Hearing how in debt this couple is while their baby laughs in the background is a dystopian nightmare.

[@BigPhilly15]

Agreed. Pretty sure Cormac McCarthy wrote the script for this episode.

[@jaddek.astrie3071]

I’m smart not bringing kids into this world 😢

[@GeoffreyBronson]

@@jaddek.astrie3071 That's sad.

[@Scalesti]

@@GeoffreyBronsonnah that’s smart. Kids are expensive. Not everyone wants to have kids

[@discocycle]

@@GeoffreyBronson How on earth is that sadder than two pathetic adults, drowning in debt, who choose to bring a child into the world?

[@rahrahrah8405]

Sometimes I wonder how people afford stuff I can't even though I'm a high income household. Caleb's show has REALLY opened my eyes to the fact that a lot of people just finance the hell out of their lives.

[@Dre2Dee2]

Literally, every time I pass an expensive car around my town I'm like "imagine how much DEBT that is" 9 times out of 10 thats how they got it 🤣🤣

[@l-train7876]

I mean, this guy makes 6 figures in Springfield MO. I’d consider them a high income household.

[@EmpressoftheLibrary]

@@l-train7876, yeah but high income or not, money is finite. If you're spending every penny you earn and then some, you're going to end up in trouble no matter the income level.

[@rahrahrah8405]

@L- Train I don't consider 100k high income for a family of three. Especially an unpredictable commission based job like car sales. Maybe upper end of average. I'm in the 200 range with no children.. and still would not buy a 60k car like these people have done.

[@l-train7876]

@@rahrahrah8405 do you know how much it costs to live in Springfield MO? My mom owns a duplex there that’s worth maybe $180K. She rents out half of it (2bed/2 bath, attached garage, huge yard) for $600/month. Gas is like $3/gallon, max.

[@aaronjones5742]

They financed an iPad for their 1 year old child…. That one sentence completely summarizes their financial situation

[@joeyree22]

As an early childhood educator, I'm shaking my head!

[@I.no.ah.guy57]

As a normal human with common sense, I'm shaking my head..

[@Ryan-1337]

Watching her trying to justify $1,000 a month car payment as a need was wild

[@WillmobilePlus]

My first car was like 700 dollars total. 1K a month is just mind-blowing. That is literally more than my mortgage payment!

[@desify6393]

@@WillmobilePlus lucky boomer

[@adamseidel9780]

@@desify6393 no, just not an idiot. I’m a millennial and my mortgage is also less than that, before taxes and insurance. I also live in a fairly expensive suburb with rapidly growing property values.

[@IrisP989]

How much is your mortgage? What state?

[@IrisP989]

And I thought that our only car’s payment of $520 was expensive

[@NotAnotherDouc-]

She has a concerningly strong emotional attachment to her $50,000 car that literally nobody needs. Getting rid of that literally saves YEARS of paying off debt. So foolish.

[@ReigningUp]

I agree, and it's not even HER car. The bank owns it until the loan is paid back, she can't see that.

[@superbigblack]

$60,000 SUV*

[@se7enthsoul]

"I can start my car from anywhere in the world" YOU CANT AFFORD TO GO ANYWHERE!!

[@beelarehman5992]

Madness

[@vestagirl8484]

Sick that she took out life insurance on her child.

[@ceciliagonzales2572]

I was surprised Caleb didn’t catch it when she said they bought an iPad for the baby!!! They’ll never get out of debt!!

[@lawfullucyless6715]

My jaw dropped. I got my daughter a kindle when she was a little over two....they cost 50$ FIFTY.....a freaking ipad.....idiots...

[@potato1084]

I have a thing against ipad kids especially seeing how some of my young cousins have turned out. Never get a baby a tablet!! They can watch TV sure but because tablets go everywhere they’ll use it all the time.

[@soarraos]

​​@@potato1084 so maybe parent a bit? If you let them use it all the time just because it's portable then that's a you problem. Set boundaries and limits. You know, parenting. My daughter has had a tablet forever and she's fine because we set limits. She still does crafts, goes outside, sees her friends.

[@daphne10120]

They don’t even recommend TV until a toddler is over the age of two. Buying an iPad for an infant is not a good idea at all.

[@athrunzala798]

​@@spf_500 we have a 1 year old. The only screentime he gets is is video calls with the grandparents. Basically kids should have no screen time (other than short video calls to see family) until at least 2, but more preferably 3-4. And even then in very short increments. Also stuff like sesame street is absolutely terrible for attention spans

[@ang4587]

So many red flags 😳 11 year age gap, pregnant before dating, only together for a year but already married, prior kid, THE DEBT! It’s all insane!!

[@one-to-one-ratio]

How it should be, america promotes casual sex, birth control and contraceptives are unethical, if you have a kid together and raise it separately youre trash parents, being mature and getting married and being loyal with eachother for the rest of your life is extremely admirable, my grandparents did the exact same thing as this couple, same age and everything, they ended up having 5 kids and were married for 50 years until death did them apart

[@Eldon105]

@@one-to-one-ratioi love this comment. Been with my wife for 3 years married at 20 after dating for 9 months. Marriage is the way for all ages of couples and families.

[@urmomsfriend4909]

⁠@@one-to-one-ratioyou must not understand their comment. Bc no one is hating on the fact that they hunkered down n chose to thug it out. It’s the fact that dude pretty much got this immature kid pregnant, before even dating that long, and now they have all of these problems. Most people these days don’t plan ahead and actually try to avoid these problems. They just go about their lives like there isn’t consequences to face

[@PCLHH]

Aaaawww maybe it works out for them

[@one-to-one-ratio]

@@urmomsfriend4909 🥱

[@KM-mw3jp]

It’s so depressing to hear of a woman who’s only been an adult for 4 years and is already in so much debt she won’t be out of debt for 7+ years.

[@specialagentorange4329]

Much much longer than that

[@paulcolburn3855]

Well it doesn't really matter. She is not really willing to make any changes (none that I can see.) I can't even imagine her changing her lifestyle. Honestly, she went on this show to find out from Caleb if there is any way she could possibly "game the system more" such that she could take advantage of her credit card situation. There isn't one. At this point, bankruptcy. Just file. Its over. Welsh on your debt.

[@hanspz5505]

Isn’t that assuming they bust their ass 😂 I hope they pull through tho, I can see them just claiming bankruptcy

[@hanspz5505]

@@paulcolburn3855 now that they have a new child I can’t see their lifestyle changing either, just getting worse. Don’t people file bankruptcy for a lot less than what they’ve racked up lol

[@paulcolburn3855]

@@hanspz5505 yes for less. But yes, they will file. One of two things will likely happen: file for bankruptcy OR one will follow Caleb the other will not, and the one that doesn't want to stop spending will file for divorce. Its really horrible. But no, there is almost zero change these two will make the necessary changes in their lives to get back to zero. They will likely throw themselves on the mercy of government and just file and welsh.

[@stormviking010]

Finally the first couple audit! Thanks to them for being brave enough to open their marriage like this for us. 👏

[@matthew9677]

More of those!!

[@deecee2174]

Bruh 21 and 32 that's a bit Goofy bruh

[@LaSombraa]

More like Caleb being brave enough to take on 2 people at once hahaha

[@zzuji]

​@@deecee2174 on god no cap on a stack its a lil goofy bruh

[@deecee2174]

​@@zzuji I'm 26 and I wouldn't date a 21 year old 😂

[@tredegar4163]

My wife’s labor started off really slow, but watching this video together in the hospital got her worked up enough to make it happen in a couple of hours. Thanks Caleb 👍

[@OhsoWoobie]

💀

[@ohnoitsabeee]

🤣🤣🤣💀

[@samkelo27]

Yeah 20k is too steep 💀

[@jennalewis7113]

LMAO

[@reptilesarecool6739]

Congrats on the kiddo! Hope you’re able to sleep again by next year!

[@Dan-vv2fu]

Door dashing in a brand new jeep cherokee is crazyyyyyy

[@DeathSpellXVI]

Welcome to America.

[@Blaane15]

Adding all those miles on the Jeep is deprecating the value incredibly fast. Adding in the deprecating value and the added maintenance in the long run. I wonder how much she is actually making.

[@sjastram]

@@Blaane15 Depreciation? That is your worry? It will destroy that jeep very quickly.

[@davidwade2735]

Grand Cherokee wagoneer. 70k vehicle. Pulling up with $15 of McDonald’s. 😂

[@hiddenmutant]

The monthly car payment is half her (reported) income ☠️

[@DemVidzIsMine]

There’s something depressing about a couple in 6 figure consumer debt, not understanding how bad of a financial situation they’re in, while their newborn is crying in the background. I hope they pull through

[@rebeccashields9626]

Yeah and they have an iPad for the infant 😢. That’s probably why the infant is able to be there so long without being held. I always had to hold my babies or they would cry. It’s not normal for a baby to just sit for an hour awake by themselves without anyone interacting with them.

[@fitzgeraldfilmsMN]

@@rebeccashields9626 Yeah, what's with the iPad?

[@bunaynayslay]

idiots shouldnt have had kids

[@daphne10120]

@@fitzgeraldfilmsMN electric babysitter

[@gdkeen3307]

Yup. At 28:31 when he's really laying into them she's kind of smirking. I don't think she gets it.

[@jethrozpectiva]

I developed a new habit. At least twice a week, I spend an hour checking my finances and budgeting while i listen Caleb's videos. Feels like he's auditing me.

[@aurabalita6406]

thats genius, ill start doing that as well

[@rainboweater456]

I’m the same way! Everytime I watch this series, I take some time to review my own finances and see what I could be doing better. I definitely obtained a spending problem but I’m not accruing interest on most of my debts and I’m still paying cards in full, I just gotta focus on getting my savings up. I finally got a better job that has fantastic benefits that is gonna have me set up for retirement again after not having it for over two years. Im really hopeful that I can still live a fulfilling life and not have to worry about my budget too much.

[@IntellectualxBadass]

This is genius I also wanna add im making mine almost like a game where every time I’m under budget or on budget I add points to a big item that once I reach I will buy. Helps with my adhd impulse and goal setting.

[@cheyenne7982]

Same! It's really been helpful curbing my spending. I still splurge on a couple things but keep it within budget

[@andrewthegeek6522]

I've developed a paranoia as I watch my I'm normally also checking my bank account and credit cards even though nothing has changed

[@gabeerwin4024]

0% chance they follow through on any of this. As soon as I heard “we financed her iPad”, referring to the months old infant, I know this was just a way of life for them.

[@lanacharlebois2017]

My kid thought an etch-a-sketch was an 'ipad' until she was almost 4. So bad for babies and young children to be watching a tablet all day

[@lanacharlebois2017]

And also SO unnecessary!

[@MeezerGurlMakes]

@@lanacharlebois2017 Agree. They can be a one car family and take turns with the car for work. It would be so worth it to knock 50K off their debt. Cars depreciate quickly so doing this now is there best bet at a chunk of money.

[@bakirev]

@@lanacharlebois2017 Myopia for sure.

[@VincentVanHalen55]

Not a dam chance.

[@holymoly4084]

I’m not in debt anymore but I love to watch these videos to keep me grounded and moving in the right direction

[@tangyjoe4326]

I got out of big time debt by following the Dave Ramsey plan. Got a second job working at a restaurant nights and weekends on top of my 9-5 office job and cut spending to bare bones. It took three years and I’ve never worked so hard at anything in my life. I still listen to Dave and Caleb periodically, kind of like a long sober person going to AA meetings to make sure I never fall off the wagon again.

[@tangyjoe4326]

@@ThreeBrooklynCats Keep going, you’re doing great!

[@antonioinoa6961]

I had to take an overseas deployment to get out of mine, now. I stick to watching Caleb and Ramsey's show to keep me grounded so i don't have to overseas next time around lol I'll be home in 3 weeks! Worth it t

[@RyanWehr]

Same

[@lidewijcroes1795]

Good for you!!

[@beyzadamburaci2390]

A 21 years old stay at home mom does NOT need a brand new suv. My mind is blown, really. My husband tells me we can buy an extra car for me to drive and I refuse just because it's an extra cost when I can use public transport or my bike when needed. People need to make sacrifices for real..

[@jorgeenchilada]

When I heard 1k I was thinking to myself, holy crap. My car is extremely expensive and I pay 585 a month. It better be a damn G-wagon for 1k a month.

[@beyzadamburaci2390]

@@jorgeenchilada you could still justify 600$ if you need a good car to work etc, but she does not need a car that expensive.. she is mostly at home.

[@TheIronChainMaster]

​@beyzadamburaci2390 people like to BMW about inflation yet they're always eating out and financing crap they don't actually need 😂 I'd like to see those people get their own personal audits

[@beyzadamburaci2390]

@Everything is Meh exactly. Often it's the worst investment anyone could make. If you can pay it no problem and you have a passion for it, okay go ahead but if you ignore all your debts and get a car like that it's just plain stupid.

[@Nightmare200X]

@@everythingismeh1945 I think that's a bad take, but I think buying expensive things if you can't afford them is a separate kind of financial illiteracy.

[@TheTexasorbusted]

The elephant in the room is the Brandon is 32 and Jessilyn is 21. Jessilyn is trying to figure out how being an adult works, but she is making colossal mistakes. Brandon on the other hand has been an adult well over a decade now. Just hearing Jessilyn talk/explain her way through everything gives us a snapshot of what Brandon hears every time finances/money are discussed. He needs to wear the pants in the household and say "no". But he can't because he's got to spend money on his BS too. Yes, they have a kid (which makes this even worse but hopefully give them motivation) and Brandon has alimony for another kid (which makes this even worser). What's funny is they could have lived like this for years. It's took a major emergency (Jessilyn quitting her job AND car sales being in the bust phase for Brandon) to highlight the insanity. Hope they figure this out for the kid's sake.

[@marlene1708]

They only been together a yr. Plus she said when she meet him her credit cards were paid off.

[@deirdrekiely6187]

Worser is not a word. It's just WORSE.

[@deirdrekiely6187]

​@@marlene1708 She has an entitled attitude.

[@baileya368]

@@marlene1708 Think about that...if she's being truthful, that means she amassed nearly 100k in debt since she's met him. He is the problem, she only carries the blissful ignorance.

[@jillgott6567]

It would be child support he is paying not alimony. Child support is to care for the child, alimony would be paid as spousal support.

[@Doombot8336684]

When they said that he had a child support payment for another kid, I almost dropped the phone. I’m guessing he couldn’t afford to help his other kid too. This poor infant is being born into a world where her parents are completely irresponsible.

[@Lillybochic]

😅😅😅😅 isn't it terrible? Iaugh only because I cannot cry.

[@lilgrannyari]

Yup--BACK child support. Oof.

[@tiffanybrown7147]

​@@lilgrannyari I am surprised not more comments on this. Clearly he's going to have to start paying again to not look like a double dead beat dad

[@gio.orbit5498]

I wonder if he's gonna leave her and start over with another 21yo 😂

[@Aaron_Ada]

There is no way his CS is $45 a month. He is claiming he makes ~120k a year. He probably owes a fuck ton in back CS..which means his wages can and will be garnished and/or he will go to jail. The back child support should have been high lighted and emphasized more as not only is it morally reprehensible, but being a dead beat dad will destroy him legally if his ex cares even a little bit. No drivers license, can't work anywhere that does even a basic background check, wages garnished and at worst he could land in jail with a criminal record. Paying the back child support should be priority one..full stop.

[@Carolinesfunvideos]

$7k a month is Missouri is doing VERY well. My household brings in thousands less than theirs and I have zero consumer debt and I’m in Missouri too. This is nuts!!

[@mizzoufarmgirl6348]

Missouri here also…this amount of debt is insane.

[@laxbmm84]

The boonies of Missouri no less.

[@kristincusick1342]

That is what my husband makes and we live on the coast in Massachusetts. We have 4 kids and own a house. I’m, mostly, a homemaker but I work a per diem job that requires a degree and a professional certification. I only work a few shifts a month. When my kids get older, I can work more. We drive cars that we own and are over a decade old and have, nearly, zero consumer debt. It’s still so expensive to live and we struggle. But, we are more worried about other things like paying back our an equity loan we took out, solely to fix and add space to our house.

[@dmarie5247]

Shoot, I live in California and that $7000 looks pretty sweet…

[@RubyMonkey530]

That face she made when Caleb said "sell the car" says it all; they're screwed. The stupid Jeep is almost half their debt, and she's gonna justify it. No hope for these two

[@minimalist_monk]

She was fine until she hooked up with a guy in child support and had a kid with him. Went down hill from there. No coming back

[@emilyholley97]

60k for a car for a stay at home mom that won’t even pack lunch or make food for the family consistently. It doesn’t add up. Does she not realize what the responsibilities of a stay at home wife are? You don’t need all of these conveniences especially if one person is staying home! Working moms figure out how to get lunches packed and meals made.

[@shannonsampson3267]

I agree!

[@lulu-dr4eh]

Exactly! I’m a sahm, I pack lunch, make dinner, clean house. 3 cars but they are older, bought cash, never had payments on them. She is lazy! How can you stay home and not even make a coffee for your working husband. Eating fast food everyday adds up quick. Horrible.

[@stephaniepantalonie]

"It does not add up" is exactly how I would describe their logic and financial situation

[@jcabslovesu2]

I’m baffled because she knows her interests and monthly cost but she justifies why she needs more credit card or finance things… At 21 years old, shes so young to be in this situation. I hope they grow from this experience because that poor child. I would think as a car dealer, they would know the difference between bad and good debt.

[@jonna0900]

I thought the same thing. She's not a "stay at home mom," she's an unemployed freeloader. The whole point of staying home is being able to do those things for your family and not let an iPad raise your kids. Lmao

[@iqramalik7021]

30 minutes into the video I paused it to go cancel my Amazon subscription and decided I’ll cancel all the rest after work today. I have about 7k in credit card Debts but seeing this made me realize if I don’t tackle it now and change my spending habits. The day I find myself in their situation is not far off. Honestly hats off to the couple for showing their financial situation; it takes courage.

[@Bunsense_Gaming]

Good for you for taking action , you can make a comeback no problem

[@nathankay-doney2143]

Admitting you have a problem is the first step to recovery. I had a very similar reaction to watching a couple of his videos. I now have a killer excel sheet for my finances. Onwards and upwards!

[@stephaniemiddleton3740]

I don’t have Amazon, most sellers usually have an eBay account which sells things for £1 extra with free delivery.

[@Iamjustherek]

You right lmao *opens up Amazon*

[@Augie..]

Pay off the CC and just cut them up OR be responsible and don’t buy things you can’t afford with them. You should make payments the second you buy something, until you know how to utilize a credit card responsibly

[@wealthelife]

She is a perfect example of the Dunning-Kruger effect - she *thinks* she is being smart about her credit card use by considering impacts on her credit score, avoiding overdraft fees by taking a cash advance on her credit card etc. But she doesn't realize that overall her/their finances are a train wreck.

[@dreindenver798]

She isn't the only person who contributed to their debt. He is just as guilty of getting into this debt as she is.

[@artemartem1134]

THIS! She admitted to going to a HIGHER Interest rate, for a LONGER loan term, in order to reduce the monthly payment. when in reality she added a ton to the cost of the loan by doing those two things instead of just paying a little bit more every month!

[@Mattvmedicare]

The fact that these people get shocked when Caleb tells them to sell their brand new $60k car is incredible to me everytime 🤣 she even bragged about it prior

[@MrTuxy]

That's what happens to people who base their personality around the car they drive.

[@marylandmonroe]

I was shocked about how proud she was that she got the payment under $1000. $1000!

[@christineleifer5102]

The way dealership people ALL have crazy payments.

[@chrisvig123]

Totally out to lunch thinking that it’s normal for a 21 year old to be driving a 60k jeep and doing deliveries with it ffs 😮

[@jerrystauffer2351]

​@@marylandmonroe I've bought several cars for under $1000

[@IanSmith2814]

I’m so glad I’ve grown up with a fear on any kind of debt. 100k+ of debt is insane and would crush me mentally.

[@andrewthegeek6522]

I mean if it were home debt it'd not have the same feeling, but it's all frivolous

[@brits6952]

my anxiety could not.

[@ayannahendricks6266]

I have an albatross with student debt that I can probably never repay- zero credit Card. Since I was 20. Would Never have had a child In their situation.

[@brendafrancis894]

Me too 😢

[@Maya-ln1os]

SAME! And for all of it, except $3K in medical bills, to be CONSUMER DEBT. I'm flabbergasted!

[@krabkakes9535]

Every time Caleb asks if that’s all the debt somehow more debt shows up! It’s amazing!

[@CalebHammer]

Always happens lol

[@jokka6388]

@@CalebHammer how do you do quickly pivot when more debt shows up? I have to imagine before the recording you're spending time reviewing everything

[@SpoonHurler]

It's like me with candy... I got it everywhere! :D

[@steffenkawa8374]

It's like magic. The fed pushes a button any money just appears

[@jokka6388]

@@steffenkawa8374 I feel like you're in the wrong comments section, we're talking about personal finance..

[@Wenisssss]

Saw them today at a fall festival in Republic MO pushing around a $1200 kid wagon. So safe to say they learned nothing.

[@HawaBintYusuf]

If that's true, they don't need financial audit, they need therapy for shopping addiction.

[@tinkachu8743]

Hahaha if that's true, that's hilarious tbh.

[@ellenicoletv4095]

$1445 a month for two cars?! It’s amazing they’re still able to smile and laugh this much - I think I’d have a daily mental breakdown being in this much debt lol 😫😩

[@gr8macaw1]

I think maybe people smile or laugh when they are embarrassed or or feel ashamed.

[@airybrook]

@@itakenaps Only for fools.

[@rachealborders]

I know! We felt so much regret when we were paying $320 a month for a 2013 Avalon that we felt so relieved when we traded it in! Now we have a paid off 2006 truck in great condition and my 2004 Yukon with $2500 to go on the loan with a monthly payment of $120. Still can't wait to pay it off 😂

[@kilyos9212]

It's more expensive than a rental car

[@Geckoo-eh7wq]

And that's on a sales job lol one bad year and they'll have to sell everything lolllll

[@14s0cc3r14]

Imagine paying “just under $1000” for a car each month and thinking it’s a need

[@userJohnDoe362]

imagine thinking all used cars are the same price as a new car. 1k a month is ridiculous

[@amgooder]

Its 999.99...so its under 1k for them.

[@rahrahrah8405]

Bro I will fking WALK. People out of their minds with these car payments smh.

[@daphne10120]

@@rahrahrah8405same. I’d take the bus to and from work everyday.

[@janel8733]

Their car payment is more than my mortgage 😰

[@kiefdemon1979]

Her leaving the car dealership for those reasons to quickly tell us why it was a dumb decision was sad. They were bending over backward to keep her while pregnant.

[@grizzzy]

exactly! she could have done a desk job or admin. not everyone is on their feet all day.

[@RealmsOfThePossible]

@@grizzzy I get the feeling she doesn't want to work

[@katieegan5178]

@@RealmsOfThePossible in fairness, if she really didn’t want to work she probably wouldn’t be doing the side hustles (door dash, instacart). Maybe she didn’t want to be away from her baby, or spend her income on daycare so she can work at the dealership 40-60 hours a week.

[@adamseidel9780]

@@katieegan5178 she quit her job like 6 months before she gave birth, it is nothing to do with the childcare or bonding considerations.

[@shannonsampson3267]

​​@katie egan They offered her an indoor desk job but she quit early in her pregnancy anyway.

[@sharyn4603]

I would like to see an audit for someone or a couple who are not in mounds of debt. It would be nice to see someone who has it relatively together, but perhaps may be missing out on their full financial potential. I am 36, very little debt, good paying job, no car payment. However I am behind on retirement, it would be nice to have a budget review for enhancing my financial situation. Love the channel none the less, and still have great takeaways!

[@BluePerioPicasso]

Same

[@mewster1818]

That'd be my spouse and I. But the primary advice we need would be beyond Caleb's ability (investing and retirement maximizing) because I'm fairly certain he's not legally able to advise like that. He'd need to have his Series 65 exam to do that, and you can't even sit for the exam without a financial institution signing you up fir the exam... (that's why I went for mortgage lending instead of investment advising).

[@brookea1118]

I volunteer, that would be me and my husband. I'm pretty good with money. I have a lil debt, I'm making a lot more money now, but I have a plan and a nice savings account. But yeah, retirement.. I struggle.

[@SarahxTonin]

The point that angered me is when she was arguing about keeping her 60k car that swallows gas like crazy for her to use as a fancy delivery car. Anyone in this situation would cut their losses and understand why getting an old reliable car is the smart option.

[@pigalottafattenton5003]

A $60k car is too much and she need something cheaper, but decent used cars are so overpriced right now. I bought a new car in 2018 my cousin bought the exact same car used last year and paid more than I did. With 40k miles I’ve only loss $4k in value.

[@SarahxTonin]

@@pigalottafattenton5003 You're absolutely correct, because the demand is higher than the supply, cars are more expensive than before which is why they cannot afford a recent car, she needs a reliable 15-20 year old car. Sure, they're not aesthetically pleasing, but they get the job done, and frankly, as an uber eats/doordasher delivery, she can rack up the miles on it and not worry about it. Just gotta make sure the car is clean, that's the real challenge. But even if she needs to fix the car, so long as it's not a transmission or engine issue, it'll still be cheaper than financing a somewhat recent car.

[@chrisvig123]

For deliveries you use an old Toyota Corolla with a 4 cylinder…nothing else makes sense 😮

[@MikeyzFunLair]

@@chrisvig123 yuo.. amen

[@agonzgonzalez7748]

FACTS, a 2017 Prius below 50,000 miles will run 20 grand or less and are available everywhere plus they don’t eat gas. This car would work perfectly for a delivery driver and also cover all of her personal driving needs. It would also run another 100,000 miles no sweat and in that time they could use the savings to pay off the debt.

[@LaylaLover90]

I am practically speechless. This might have been the most painful audit to listen to so far. Between the car prices, financing an ipad for a BABY, and asking Caleb if they should open ANOTHER credit card for the utilization rate, I have NO hope for this couple. I really, REALLY want to be wrong and wish them the best.

[@BobbyGeneric145]

I thought I heard that but thought "surely they didn't buy an ipad for a newborn"...

[@aubreechadek13200]

I was shocked when I heard that too

[@allieisms]

I think it was an iPad for HIS daughter who is likely a little older

[@LaylaLover90]

@@allieisms I hope so 😪

[@Tendedfatback]

The guy isn’t the worst she kept asking and acting like she had done research and it made no sense at all.

[@alexisballard1459]

Over $100k in debt and they’ve only known each other a little over a year??? How does this happen??

[@TheNorangutan]

They went from two individuals making two separate paychecks to one unit of three people on one paycheck. Neither of them figured out they’d have to cut back, I guess?

[@biatch1966]

She got pregnant and it’s been a disaster ever since. I am more concerned about that sweet baby girl with irresponsible parents.

[@adamseidel9780]

@@spf_500 wrong, they have less than $3,500 in medical bills. $26,000 was the total billed amount before insurance paid most of it. It’s mostly car debt with a big chunk of CC debt.

[@hanspz5505]

@@adamseidel9780 ah okay insurance paid most of it. Dang

[@JKRBW]

Started dating in the spring. Immediately financed a $60k Jeep and she quit working (because the sun exists). They moved in together in June (?) and financed all their furniture, financed rings and a wedding in September, financed childbirth sometime in the winter. That lease is up, now they're trying to fund the deposit on a new place. Plus they had a baby, which means added cost for iPads, and our guy "just found out" about child support for a kid from a previous relationship. Edit: plus she alluded twice to debts with an ex-boyfriend, one being the sales tax on a car she was on with him. 💀

[@KDu400]

So many times my door dash or Uber eats driver has their kid with them. Plop the kid in their car seat and deliver until they are over it. You don’t NEED a sitter to do work like that.

[@pinkyblessed2218]

A Stay at Home Mom cooks. She runs the household, childcare, meals, laundry, etc. It’s a hard job, but it makes everything else run more smoothly. A SAHM takes pride in the job she does. And can I say, “CROCKPOT” is the secret to meal prep. Throw ingredients in the crockpot in the morning & Ta-da! meal ready in the evening. Leftovers become tomorrows lunch. Add a salad & a piece of fruit. 🙌 Eating out has to become the exception.

[@brookecarrillo3432]

AMEN!!!!!

[@julia.md2b707]

She probably doesn’t know how to cook considering how young she is

[@airybrook]

@@julia.md2b707 No excuse. She can open a can and boil spaghetti. She is just lazy.

[@brookecarrillo3432]

@@julia.md2b707 I knew how to cook at 21 it’s not that hard to learn. It’s all about taking initiative and figuring it out if you don’t know. You can learn anything to want thanks to KZbin. Plus she can watch Rachel Ray while she’s folding laundry! Lol

[@robertlibutti6605]

They would probably save more if she stayed home, got rid of child care, meal prepped, got a cheaper car, and maybe got some kind of PT WFH job. Definitely those subscriptions, eating out, and waste purchases are just vampire expenses.

[@ElaAngelic]

21 year old woman, stay at home mom, a husband in his 30s, still struggling and in debt. Taking loans to give BIRTH. I could say a lot of things, but I think that speaks for itself 👀 lots of interesting decisions made there.

[@conrado800]

On point

[@potato1084]

Sorry but the loans to give birth aren’t even their fault. I know a couple who worked and saved money for 2 years to spend it all on a birth. America is a joke.

[@Jordybuilt]

Trapped at its best. You said it right

[@Imperial_Squid]

"interesting decisions" ie decisions made by chucking a dart at a board blindfolded on a horse in a hurricane 😬😅

[@Leftiesarelosingit]

​@Jordan Hersh so you're inferring that an adult wasn't cognizant of her own decisions?

[@InfiniteCraftsman]

He was doing some dealership math there, accurate but intentionally confusing😂

[@aaliyahhernandez223]

These are the most irresponsible people I ever seen. All of this happened within a YEAR of knowing each other. Hooking up, accidentally getting pregnant, getting married, having 2 children with 2 different women, occurring $120k+ of consumer debt. Wow…

[@karimahpreston5753]

Its crazy!!!!! She said got pregnant then started dating

[@RyanWehr]

120,000 and none of it is equity.

[@hinata167]

Getting married is wild

[@themusic6808]

The fact she took out another credit card when already in over 100,000 worth of debt to “try and up her total available credit to help increase her credit score” is the equivalent to watching your house burn down and grabbing a can of gasoline to toss onto it. So scary.

[@Jesuisderetour87]

A little dramatic but I see your point.

[@wmdavidson]

Crazy that people are spending mental energy on trying to min-max their credit score instead of focusing on paying off debt.

[@Leeoh949]

She wanted to get the credit card. She didn’t actually get it

[@jessicacolgrave4082]

I’m in canada so maybe I don’t get it, but how the fuck do you get credit cards when you already have that much debt?? I don’t even have five figures of debt and a low but rising credit score, I can’t get anything but a $300 capital one card. Maybe that’s a good thing, I feel like America hands out credit cards like subway flyers.

[@whosaidthat4299]

​@@jessicacolgrave4082 I am from Canada as well and don't worry the card companies will be asking you soon to up your limit, then the banks will be courting you directly to get additional cards, it's business, everywhere.

[@nathandressler]

Her trying to explain away why she should keep paying a subscription for starting her car from anywhere in the world while $120,000 in consumer debt killed me

[@Geckoo-eh7wq]

Lol I don't understand whyyyy lol 😂😂😂😂😂😂 just so she can act cool lol while she's bringing nothing to help the guy working 🤣🤣🤣🤣🤣🤣

[@Habboskems]

Having to get into a hot/cold car for 2 minutes = first world problems

[@Geckoo-eh7wq]

@MyAirMyles wowwwwww lol no reason for that 🤣🤣🤣🤣

[@paulcolburn3855]

I think they are getting divorced in a year. A year at the latest. There is no way the two of them can get on the same page and if one tries to force the OTHER to not spend, divorce. It will happen.

[@Maya-ln1os]

​. FOR REAL 🤦🏾‍♀️🤦🏾‍♀️

[@BrettBoi4117]

This couple edition of financial audit is great because you need BOTH parties on board in any relationship to fix financial ruin

[@Playingwithproxies]

Only makes sense for married couples. A lot of people on this show are living with gf/bf.

[@Casey-gx8cw]

I go through my transactions with Caleb’s voice being like Apple bill, Apple bill, Starbucks, Amazon and it really makes me rethink every purchase. Not in any debt at all but thanks for helping me make smarter financial choices 💛

[@lorirogers9304]

I don’t see her hustling to make $500 a week

[@alimc5382]

Yes me too I’ve been watching him for 2 weeks paid off 2 credit cards…..if feel like spending on dumb stuff i hear him screaming!!!!!

[@DnDandVideoGames]

I love how she says "I got pregnant, then we started dating," bad choices are a habit here.

[@potato1084]

Yeahh that confused me 😂😂😂

[@alexisballard1459]

I had to rewind 😭😭 i was like i must’ve heard this wrong

[@Playingwithproxies]

Not a smart choice on his part or her part

[@Imperial_Squid]

"I'm 21" "and I'm 32" Huh, bit of an age gap but I try not to judge "So I got pregnant" Oh boy "And then we started dating" Oooooh, it all makes sense now

[@helena3631]

@@Imperial_Squid they have nothing in common

[@crazyboi1818]

when she was describing how she has the debit card overdraft setup to “save money” i already knew it was going to be terrible

[@christinalittle3708]

Yes 😳 from the cash advance at that?!?! 😱

[@nicholastownsend1393]

It’s crazy she says “save money” yet she’s still losing $10 to fees

[@kingarthurvi8100]

Haha 😂 made my day this comment 😂

[@crazyboi1818]

After finishing the episode i was correct. It was actually more terrible than i expected. 122k in debt almost made me faint

[@HeyyImChuyy]

File for bankruptcy at this point. That girl needs some serious financial literacy classes. No reason to have a 1000 car payment when you don’t even have a job. Insane

[@Yugiboii]

She does door dash though 😂😂😂

[@RyanWehr]

Sell the cars and get some used Honda’s. They have close 90,000 in cars. That could really help.

[@hiddenmutant]

@@Yugiboiiher car payment is half of that doordashing income 🙈 Imagine working 40 hours a week and getting paid for 20 bc you want a fancy car.

[@spicybeefsalad]

I audibly gasped so many times during this one, the number of just bad decisions (not even financial ones but just collective life decisions and red flags) between the two of them are just phenomenal, I have never seen anything like this before in my life

[@Driver8takeabreak]

So they accrued almost all of this debt within the last year?!?!? INSANE.

[@snackpack_sneakattack]

Stay at home mom goes out and buys lunches because “it’s all about the coNvEnIenCe” rather than making them, and an iPad for the newborn. How refreshing

[@mattstarr2674]

It’s the new generation lol

[@prettyflyforawifi2563]

she doesn't love her kid. n since shes very fat, her kid will probably be unhealthy & lazy for years

[@uzaduzza]

That killed me. I have 3 kids- a seven year old, a 4 year old, and a newborn. We have a shared iPad and we just got it last year. What would a newborn/1 year old need a iPad for?!?

[@Callie-uk7mo]

@@uzaduzza I’m assuming to train the baby to use it as a babysitter

[@leahwolber7082]

Exactly!

[@ellie5447]

Until I started watching Caleb’s audits I had no idea so much stuff could actually be financed! It’s insane

[@RJWaynerium]

A Walmart sofa can be financed these days, it's pitiful.

[@KorakBrosepf]

Basically everything, including medical stuff, can be financed to some degree. Prostitutes are about the only business you can't finance, lol.

[@vegaf2011]

@@KorakBrosepflmfao 😂

[@Drewswaggy]

Exactly… so when you see people with nice cars and things realize… it’s not theirs. It’s the banks. And they are in hella debt….. people out here faking it. 😊

[@SwipeTheStones]

If it exists, you can finance it

[@pRINCESSnARUE]

I’m just so glad that I’m too chicken to buy a new car. I am currently driving a 2001 Toyota RAV4 with only 146,000 miles on it and only having paid $2500 for it back in 2017.

[@YTaddict16]

Honestly same. I drive a 2010 RAV4 that’s been paid off for 4 years and I love not having a car payment. I’m too scared to have car debt 😅 I’ll be driving this thing until it dies lol

[@teresahunt5521]

09 Rav4 in da house!

[@noahmsternig]

This new version of financial audit with two people is so much better than a traditional episode. Keep up the good work Caleb!

[@WTFBUTWHY]

Ya. It was getting a little old

[@RomeoHatesShrimp]

not everyone is a couple.

[@allisoncornell5823]

He just needs a second mic stand

[@SaphireXari]

I wouldn’t say it’s “better” but it is different and equally important. Lots of people are single and trying to make it on their own, but it’s worth also showing how couples who combine needs and resources can have problems that are both unique and similar.

[@destiny9417]

Caleb is so real for this. I have to take care of my 56-year-old mother because she was financially irresponsible her whole life. It's not fun. I really hope they listen to him!!

[@homeaudiobasics]

No you don't.

[@mckenzimiller4282]

I'm in the same boat as well. And now she has a terminal disease. If I don't take care of her she would literally be homeless

[@pfloydsux]

You don't HAVE to, you've chosen to. Don't set yourself on fire to keep someone else warm.

[@Ghosty716]

​@@homeaudiobasics ???

[@happypenguin25]

@@pfloydsux It's easy to say when looking from the inside out. This is coming from the inside.

[@Jarvitalize]

What’s wild to me is that people take a $1000 car loan, and then use the car (putting miles and wear/tear) to make $500 in door dash money, and then think it’s a good decision, and even JUSTIFY the car purchase for that. Insanity

[@berniepfitzner487]

Door dashing in a depreciating, 4500 pound, 20mpg SUV

[@raddiemutto7934]

She is door dashing, and then eating at the same fast food place she is picking up. The job is an excuse to go eat.

[@pepps1943]

If they're making $500 a week that's a great decision, da fuk? $1000 is one time plus interest. $500 is weekly lol

[@berniepfitzner487]

@@pepps1943 I think she is only bringing in 500 a month

[@pepps1943]

@@berniepfitzner487 No, she clarified in the beginning it's $500 a week, but that seems doubtful haha. I think OP meant to say 1000 car payment which would be monthly, not a loan

[@ABasedSammich]

21, drowning in debt, already has a kid, severely overweight, living with an enabler. This is a mess.

[@chrisahn2398]

Morbidly obese is more fitting

[@AlaskanCam]

I think she manipulates him. Age doesn’t matter when it comes to manipulation.

[@kdizzle901]

And she’s obviously using this guy

[@AKIRA-oz5cg]

@@kdizzle901idk how did wakes up and looks at that every morning 😭 he makes 6 figures pre tax he can atleast find a better looking gold digger

[@crystalsinghmarketing9827]

Six figures isn't great money in this economy. Any gorgeous golddigger would want a higher earner lol

[@supersaiyangoku11219]

I’m not in debt or anything but watching all your financial audit videos really inspired me to be more financially literate and learn more on building wealth, thank you caleb

[@CalebHammer]

That’s awesome!

[@changechange9972]

Very smart way of thinking.

[@imadethistowatchcontent]

Same!

[@HeyThereImLost]

The age difference really stresses me out. She’s barely an adult, married to someone who’s older and clearly immature, with a child, with no education, with no money. A child of a single mother, this is horrifying.

[@leahsmith5923]

Right….. it’s like she’s getting slowly and slowly trapped

[@cchadnelson]

@@leahsmith5923 she’s clearly also trapping herself, she has a lot she could do to better this situation…

[@nineteenfortyeight]

I'm way more bothered by the fact that they look alike. No way they aren't closely related. Also, that she said "I got pregnant then we started dating". Everything about this couple is cringe.

[@Sinton1]

Keep in mind the dude had a kid with another woman too 😂

[@Courtneyclara7]

with a man who didnt pay child support for so long his checks are garnished now, walking red flag

[@Nextgenlensaz]

Did she really just flex driving a $60,000 car while drowning in debt? Some people I can feel bad for. Some people not so much

[@Blake1720]

That’s 90% of middle class Americans

[@miyagifatghost2684]

Don't matter IG says she ballin...that's what it's about

[@bighou2359]

Flexing in a 60k car while drowning in debt? Sounds like most of America. Normal.

[@javaskull88]

Gotta look good driving that Door Dash. 🤣

[@jay_buddy_]

Sell the dam car lads get a little shity run around that would take a massive chunk

[@PCKA1987]

Hearing that precious baby in the background, I’m so sad for that family. 😢 I hope to hear back from them.

[@thatcherdonovan7305]

This is the first episode where I'm just floored by how much debt they're in, for seemingly no reason, after just one year. I'd seriously consider bankruptcy at that point. I literally don't understand how someone could spend that much money in a year. They're spending more than $250/day at that point. That's absolutely insane to me. It's like eating out at a steakhouse every single day.

[@christinalittle3708]

😱😱😱

[@matthew9677]

Not your average steakhouse, either. We are talking Ruth Chris's.

[@JakoWako]

I’m not sure if they can discharge this debt under bankruptcy. I’m unfamiliar with the laws of their district, but in mine you can only discharge as a consumer debtor if you meet the means test. The main qualification is that the household income has to be under a certain amount. With his income (albeit sporadic) I’m very doubtful they qualify. I don’t know for sure though!

[@mattym8]

Steak with lobster, foie gras and a very fancy wine.

[@emilyau8023]

If a person is in debt, they really shouldn't be raising a child.

[@kathryn6092]

25:30 Did she just say “her iPad’s financed”? “Her” as in their baby?! Please do not tell me they financed an iPad for a literal infant…

[@ellenicoletv4095]

Yup 🤦🏽‍♀️

[@thomashopper3017]

Narrator: they did.

[@larryburgess3313]

Guarantee it's a cellular one from their phone provider because "it's only 10/mth for the service" lol

[@patty1h]

The wife's problem is that she WANTS THINGS and isn't comprehending that all that crap is superficial nonsense in the long run. She has to learn that material goods, new cars, and instant gratification is the road to massive, lifelong debt and stop letting shiny things distract her from the bigger picture - nine years of paying for it.

[@ryder4508]

It's going to come crashing down hard in a year or two. They're going to start arguing, and she going to say "I just can't live like this anymore!".

[@intensifier1346]

When you worship pleasure, you get addiction.

[@videogamefreak753]

Well look at her , she eats the world

[@Rusaarules]

I've a feeling the husband knows they need to downgrade, but the wife will not.

[@Geckoo-eh7wq]

Dudes making 100k in a boom once the car sales crash to the regular avg of 50k a year lol..... man it's gonna be ugly

[@LittleTimmyO]

$122,000 of debt.. yea, they’re going to be in that for longer than what Calen projected for them. Their odds of doubling that debt is higher than getting rid of it

[@Murdokk73]

After watching the entire episode I am 98% confident that these two will do the bare minimum for 2 or 3 months. Then they will stop trying and be 180-200k in debt by the end of 2023.

[@JonnyBeoulve]

This will end in bankruptcy (no discipline), divorce (women leave men when put in hard financial situations), and a completely neglected child with below average odds of a bright future (selfish parents).

[@jaddek.astrie3071]

Can they declare bankruptcy?

[@SuperArmus]

Yes they could@@jaddek.astrie3071

[@barbaraleszczynski2214]

I agree with you completely

[@papabear2515]

Sure they can - as many do - which means the REST OF US pay for it with higher costs, increased insurance rates, etc.

[@marcellom]

Releasing on memorial day, of course. The most consistent man on KZbin, thank you Caleb

[@yang139]

You act as is he made it on Memorial Day anyone can record the video and hit upload the day of a holiday. Stop riding

[@droid2D2C3P0]

You do realize he schedules his uploads right?? All KZbinrs do it..

[@84BlueCrownvic]

Caleb often gets mad and shrieks but, this legitimately was the first time I was angry at a guest. Both are super immature and they tried to explain away all their debts. It was mind-boggling all while the baby was cooing in the background.

[@bellasamantha237]

Torya I completely agree! My comment above tells how angry this made me. They have a child that Caleb genuinely fears for in the financial well-being. These two laugh from nervousness, but there's an element that they think is funny, (not that thinking is much of a strong suit for either of them). 🤦‍♂️

[@samanthat7553]

Omg I know. The way the husband explained away their $120k in debt was to say "yeah, it's just crazy in this economy, I do know what happened?!" WHAT HAPPENED IS THAT PEOPLE AREN'T PAYING YOU BY PURCHASING BS CARS THEY DON'T NEED! and just wait until July when everyone's student loan payments resume.... ain't NO ONE buying a new car then 😂

[@MRkriegs]

U must not have seen the one with the guy who almost walked out. That guy was the most hated lol

[@bellasamantha237]

@@MRkriegs the 40+ year old that had his parents pay his $1500 rent, that one? He was ridiculously scary! 🥴😳

[@MRkriegs]

@@bellasamantha237 yes

[@b_lee2003]

This couple isn’t financially uneducated, this couple is addicted to spending on debt.

[@SMW8816]

The YMCA thing blows my mind. You aren’t supposed to leave the building while your child is in the care center and they should be careful because they can easily be reported for it to CPS.

[@artiemcfly4832]

Right? It's supposed to be for while you work out!! Not to leave the facility!!

[@FunInTheSun808]

Some Y's allow 2-3 hours a day of child care.

[@mattiestewart8371]

I used to be a childcare worker at my local Y: and kids can stay up to two hours in the care center but parents HAVE to be in the building. It's not a drop off. We usually watch the windows and entrance when we know parents try to leave their kids.

[@daphne10120]

@@FunInTheSun808but you have to be using their facilities yourself and stay on the property. They could probably be reported to DHS for child abandonment.

[@fredfinks]

Have they got kiddie kubes yet? You know like those tiny japanese capsule hotels, but made for dropped off kids. Theyre air conditioned soft padded cells and periodically dispense water & bits of food for the caged child. Theyre great for those long play slot machine sessions at the casino.

[@SpaceCaptainLord]

My jaw dropped when they said they financed their rings. I got married young too, and instead of killing myself trying to pay for a freaking expensive ring, I worked with my now wife, found a ring she liked, and after coupons and deals I got it for $300. Even that was a lot. I think this culture of $1000+ wedding rings is insane.

[@kae9341]

I paid $150 for a white gold ring for my husband at a pawn shop. He proposed with his grandma's ring. He upgraded my ring a few years later to a beautiful one I love, paid $400 on eBay. Just can't see the point in spending more than that in jewelry.

[@Kbru829]

My husband's ring was 20$ on Amazon, would have been 300$ at a jewelry store. We don't wear them anyway...

[@SpaceCaptainLord]

@@Kbru829 haha yeah I wear a $10 silicone ring now. It’s been a few years and my wedding ring is too small so I am grateful I didn’t spend a ton on my ring.

[@brendafrancis894]

Hubby brought my ring for $30 I didn't care it was what he could afford. Years later he surprised with a diamond ring. I still treasure the $30 ring though.

[@xkraut8740]

And 20-50k weddings!! People finance the ring, the dress the wedding. Its a down payment for a house. My ring was a hand me down from my grandma 😂

[@Beejrich]

I have zero debt, investments and all that, but Caleb still still makes me feel guilty for spending money 😭😭😭

[@Dre2Dee2]

There is no reason to have guilt for spending You SHOULD, however, feel bad for OVERSPENDING Know the difference

[@The92Waffles]

as long as you're able to squirrel money into savings or investment every paycheck and meet your needs you're doing something right.

[@vynilrob9719]

RIGHT?! Same here!

[@miltonbates6425]

Aside from necessities, only buy things that retain their value or appreciate in value with time and careful use. Buy quality if it can be resold, buy dirt-cheap if it cannot.

[@tmann8520]

I feel similarly.

[@MeowMeow-ij9dk]

They’re never going to follow the plan. She’s in complete denial and fought back on the advice.

[@melissamendoza889]

This is INSANE. The car debt alone is DELUSIONAL. They're living way beyond their means. I'm scared for their kid. She's gona grow up and have to take care of them because they're going to be broke.

[@dolphin.cheddar]

The “debt so far” graphic is a great addition. Keep up the solid editing!

[@Lemonspeppasteppa]

Compounding stupid decisions is worse than compounding interest.

[@kevinb8881]

LOL, YESSS!!!😂😂😂

[@hypersonichobo4263]

Interest compounds but so does stupid

[@charu002]

I came here to like >.< wow

[@Dre2Dee2]

You can't out earn stupid

[@jameshunt4611]

A real Cock-up Cascade going on here

[@discocycle]

It's also wild that she is concerned about her credit score with a 94% utilization rate - these people clearly have zero self control in literally any aspect of their lives. credit, controlling spending, and even REPRODUCTION! probably the most serious and heavy decision most people will ever make in their lives. She should absolutely not open more credit cards because they clearly cannot manage a single aspect of their lives like responsible adults.

[@andrealinda6069]

All that in 1 year together is INSANE. Immaturity is a huge problem here. She's 11 years younger than him. She was considered a kid like 3-4 years ago. She probably thought of the 120k a year income as being way more than it is. It IS a huge income for someone at 21 to have access to. I hate to point the finger at her so much... but her 60k SUV, her apple watch, the BABY's IPad (my kid's have $30 kindles), her $65 nail sets, her subscriptions.. She went crazy for an entire year. He didn't stop it. I assume he helped accrue it, it can't be all her. I'm not sure she really soaked all this in though. She came for help with solutions of her own to argue for and doesn't seem interested in getting rid of their biggest monthly expense... her extremely expensive car. I don't know any 21 year olds driving a 60k car, jeez. It was pretty amazing to air it all out for everyone. You gotta commend them for doing this. I wouldn't have the balls. This video will probably help others. Good luck guys.

[@uberhaxonova]

the guy is a sugar daddy at that point.

[@intensifier1346]

The age gap is perfect. Usually age gap couples can do well financially.

[@Outworlder]

For real. Multiple 6 figures here, zero debt and investments and I cannot conceive of a 60k depreciating asset. Plus insurance - her age should account for a hefty premium too.

[@uberhaxonova]

@@Outworlder yup i got a nice new car for 22k how do you even spend 60k on a car.

[@intensifier1346]

@@Outworlder hefty is right

[@racheljoy3737]

So far my favorite part is 28:09 when Caleb is declaring "THIS IS THE WORST DEBT I'VE EVER SEEN" followed by the cutest baby laugh in the background during the dramatic pause 😂

[@millsykooksy4863]

Lol

[@kaylakiddo]

They are the perfect consumer for all of the debt. They take out loans, buy electronics, cars, etc and don’t always make payments. The companies are making bank off of them. I really do wish them the best so they can kill it financially in the future. Caleb gave some great gems!

[@wofieguns3007]

The american dream

[@JamesCook76131]

It make no sense, sounds like he needs to be a man and tell his wife no. It’s legit frightening

[@Dre2Dee2]

A fool and his money, quicky parted

[@JamesCook76131]

@@Dre2Dee2 no, his wife is dumb asf. Trying to justify everything lol. She needs to go or something.

[@MorganMaumell]

They are the type of people funding credit card rewards.

[@Torania87]

"Existing is expensive" 🤣💯 Caleb is on fire with facts! ❤

[@dillonb9648]

I like how she sounds like she is financially capable and understands things, but is still making dumb decisions that she knows are dumb. Definitely will be investing more money in companies like Visa and Mastercard after this episode.

[@keashablew7728]

She’s bleeding this man dry. Everything about her is an expense. She thinks it’s OK to finance all these extravagant things with no money. 60k for a vehicle for her. Why?

[@mjmsdcs]

It’s because she’s 21. This is why people shouldn’t be dating a decade below them. The maturity differential is just too damn much.

[@karimabdulmajid8060]

Needs a therapist

[@TheIronChainMaster]

​@truly_mj the moment I heard the ages and the gap I knew this was going to be a mess lmao

[@potato1084]

@@ProWrestlingPsychology101 Are you dim?? She makes under $2000 a month. She still makes money you’re pulling assumptions out of nowhere.

[@apjapki]

I can't get over that she quit work prior to getting paid maternity when they offered her a desk job instead of sales. That's sad. When your country has practically no social safety net, you HAVE to take benefits like that. There is no valid decision not to take that if you have no pregnancy complications. Forget the way your mother or grandmother did it. They lived in a completely different world.

[@airybrook]

I doubt some of this part of her story. She is 21 and the baby isn't brand new. It's old enough to have an ipad. So she was 19 or so and she was a car salesman with enough drive for them to want to keep her around. Doubtful.

[@nineteenfortyeight]

@@airybrook she probably got fired for having affairs

[@sidehustlevikki1066]

I feel like there is probably little to no hope for this couple. Between their finances, her not taking an office job that was going to have maternity leave, and the backstory behind their relationship it seems like neither of them put much thought into what they are doing and they just do and suffer the consequences later lol

[@justblank2653]

it’s always a little funny when people come up with multiple excuses for the same question, first it was “i didn’t wanna be out there” then it was they offered a job and she still left

[@Carolinesfunvideos]

I think she thought she found a sugar daddy to pay her bills and support her and got too wild haha

[@lovecindy2661]

@@Carolinesfunvideos💯

[@AlexPrime86]

I got pregnant, we started dating is a wild thing to say

[@bigcahuna42366]

$350 in total liquid money to their name with a baby and $83K of car debt????? This is insanity on steroids.

[@Rdsxfn]

Full of excuses. Excuses, excuses excuses. Every single turn has an excuse. It made me want to pull my hair out. No accountability!!

[@Daniel-Supreme]

Absolutely wild episode. Get that man a mic stand. We need more couples audits!!

[@donaldo7656]

He looks kinda cool holding the mic. Like a church pastor.

[@OhsoWoobie]

@@donaldo7656 OMYGOD he does 😂😂 like a youth pastor on Wednesdays

[@41052]

@@donaldo7656I’m glad I’m not the only one who likes that look 😂

[@deirdrekiely6187]

I can barely hear him talking.

[@AliciaMcIntire]

"I would say it's a 3." So, I'm expecting a 1

[@Playingwithproxies]

Yep that sounds about right 90% of these people have no idea how to budget no plan to save money and no idea how much they are losing to interest every month.

[@Jonathan-ci7fs]

She mentioned that they left the hospital earlier than the doctor recommended. If that's true, and they left against medical advice (AMA), the insurance covers nothing. That would explain $30k for the delivery.

[@jomokamocha7443]

That’s insanity - if she decides to leave AMA… the insurance is off the hook?! Is there a legal time period that insurance companies have outlined how long a mother is required to stay in the hospital wonder if the policy cost increases too? I don’t live in America anymore - returned my green card for so many reasons - ‘this being one of those reasons! I acquired my green card legally & cost me a fortune & 2 years of the legal BS govt … mainly survived on taquitos! By then it was too late do walk away & fly home 🤦‍♀️ my country is not perfect but we all free healthcare & education… I am learning so much of what not do or expect from ‘the Land of the Free! Good luck

[@qasim5279]

Couples is the way forward for this channel, definitely.

[@JustYourEverydayVesha]

They have to want to come on

[@TonyCox1351]

There will be no shortage of couples that want to come on I’m sure

[@desiree9629]

They did not finance an iPad for an infant 😭 iPad kid has gone too far. my 3 year old doesnt even know what an iPad is and I’m gonna keep it that way for as long as possible

[@beverlyhayshouston2770]

Good job! Before I retired I would see women shopping, ignoring their children by handing them an I phone. I asked once what a child was looking at on the phone. The Mother said “It’s a game that shows children playing outside.” 😳

[@That.one.gal.]

This financial situation is what you expect when someone married a 21 year old at 34 and has a prior child whose child support is mandatorily taken out of his paycheck. It's a him problem

[@joybarber2430]

Thank you. I was like she was a teen when they met and he was 30. He is either controlling or the kind of immature you don't just grow out of. He gave a baby grown-up responsibility and resources.

[@brenley419]

@@joybarber2430I think he is the kind of immature he won’t grow out of. She seems like she makes the decisions he is too much of a little boy to do anything about it.

[@joybarber2430]

@@brenley419 so do I

[@hornetguy9063]

Why’s it a him problem? He’s no prize, but she’s the reckless spender.

[@danielp3289]

​@@hornetguy9063 someone in their 30s who decides to start a life with a teenager, the adult has the brunt of the responsibility for how their life works out. if you're an adult and you want an equal partnership/equal responsibility for your outcomes you need to find a partner close to you in age.

[@FrancesRyan-b2p]

Most rich people stay rich by spending like the poor and investing without no stopping then most poor people stay poor by spending like the rich yet not investing like the rich but impressing them

[@GeraldBarnett-su8vo]

That is why I had to start forex trading 2months ago and I now am making benefits from it..

[@GeraldBarnett-su8vo]

I'm glad I was introduced to forex trading and got the best teacher and mentor who helped me understand the financial market l'm grateful to Mrs Shanita 🙏🏻

[@DeborahPearson-ng2cs]

O' Yes I'm a living testimony of Mrs Shanita Creswell.!

[@DeborahPearson-ng2cs]

Shanita has changed my financial status for the best.!

[@DeborahPearson-ng2cs]

All thanks to my aunty who introduced her to me.!

[@Ramztothaz]

They are not going to take Caleb's great advice. I can tell by the amount of pushback they were giving. Bankruptcy here they come.

[@elizabethallen4353]

Yeah I'm thinking bankruptcy, divorce and more child support for him.

[@nelliesmith5699]

It seems like she was giving push back. He was nodding and smiling when Caleb told her to sell her car. I hope it works out for them.

[@Ramztothaz]

@@elizabethallen4353 yup...give it 5 years and she will bounce.

[@mckenzimiller4282]

As someone who's 26 and having to financially take care of their mother, it has DESTROYED me. And the guilt I feel about having to possibly cut her off is something I can't come to terms with. If I don't help her she would be literally homeless.

[@sarahb8073]

It's not fair that she is doing that to you. I'm so sorry. Not sure what your situation is but that seems really young though (She's what? In her 50s max?). If she can't work for some reason, I would be looking into government benefits like housing, Medicaid, etc. Otherwise, if she's making you be the parent, you unfortunately should be the parent. Like "get a job, adult-kid."

[@Jesuisderetour87]

@@sarahb8073 great advice!!!

[@jonnyp5252]

As my parents always said....Tough love IS love. Helping is helping, enabling is stifling growth...❤✝️😎

[@nineteenfortyeight]

@@sarahb8073 this. Either she can work another 15 years, and take your advice about saving 😉, or she's disabled and needs to be applying for a disability pension.

[@rebeccazeman9309]

Omg this! My mom moved in with me when I was 31 and it damn near ruined my relationship with my husband and it put off us starting our family. It's awful and bc of this I have been putting in 8% into my retirement account and saving as much as possible to avoid this. Having to care for your parents bc they're broke and still can't change their spending habits is infuriating.

[@mereskimade]

YES! Every interview with a married person I’m thinking, what does the spouse think? Hoping for more couples down the road.

[@elgersmam]

People seem to be picking at her but he's a whole grown man who has like 10 years of adulthood on her and seems to think this is all fine.