Debt Princess Begs Daddy To Save Her | Financial Audit

[@CalebHammer]

Let's get more into the juicy drama about why guys wont date someone like her in today's post show: kzbin.info/door/Le_q9axMaeTbjN0hy1Z9xAjoin Sign-up for Rakuten and get a 10% Cash Back Boost -www.rakuten.com/r/CALEBH767

[@lollerich]

Caleb, please either stop hitting the table or please get a microphone that is detached from the table!!

[@nickbadolato9079]

I'm so glad women as attractive as her dont look twice at me because I'm dumb enough to be caught in the trap. Finally being swiped left on is paying off!

[@w0l0l0lo]

Love the thumbnail :)

[@dlrico]

When she talked about getting fired... the exact same thing happened to me. Hotel guest came late, I reinstated her reservation, but whatever company discount she had was voided out and I couldn't apply it. I explained the policy numerous times of why I couldn't approve the large discount and that because it was a 3-day weekend, the GM and AGM wouldn't be in till Tuesday. She got so upset, she wanted the number to the management company we were through - which I gave to her - and she made a complaint about me for "refusing to help her". My GM even told me, "We don't want to do this, but because of those above me, I have to set an example" and I was fired. As much as I enjoyed the people and atmosphere of hospitality, it's really hard for me to get into a mindset to go back for employment (I work in another industry now).

[@StabbyMcStabwood]

Vaping is 95% less harmful than smoking dude. Obviously abstaining from breathing in any foreign substances is best, but stop pretending like people are keeling over from vaping. Its just not true. Don't take my word for it, look at the report from the royal college of physicians that came out like 8 years ago...

[@roseinkmythcaster]

She should be a flight attendant! As a former one, I can say that they get paid well, don't work in an office, and explore/travel to different places. She seems like an extrovert who could fit into the lifestyle very well. There is also a party culture she can enter when she wants to have fun.

[@Username0467]

That’s such a fantastic idea.

[@saiphleigh6022]

I was just posting “Flight Attendant!”, and then saw your comment- I totally agree. I hope she sees your post and decides to give it try :)

[@jaydubya9265]

I think shed do well in this.

[@user-vi5vd3ty9d]

@@maureenviola😂😂😂😂

[@SmallAndSoft]

She would get fired sitting on her phone on tiktok

[@lindsayalbrecht7572]

Instead of asking “what credit are you trying to take advantage of?”, maybe switch to asking “what do you need a higher credit score for?”, because guests legit don’t seem to understand what you’re asking.

[@jordanbranum327]

Then they answer to buy a house. Then Mr.Hammer has to waste 10mins explaining why they are nowhere near buying a house any time sooner

[@Britt4880]

@@jordanbranum327 and then once it's even remotely possible to buy a house they take out a huge loan with a huge interest rate for a house much bigger than they need and go house poor

[@wespotter9162]

Another angle would be to bring guests to realize that spending is an addiction. Being in debt and keeping credit cards is like an alcoholic keeping liquor in the house. Yes, you might be able to come up with a reason to keep them, but if you do, then you are not serious about quitting.

[@Jen-uv7pq]

And maybe better provide examples of what credit will be used for such as “you need credit if you want to buy a house, buy a car, open credit card. Guests in this show generally should not do those things at this moment.”

[@Britt4880]

@@Jen-uv7pq the biggest one they probably think about is getting approved to move into an apartment, or a loan if they (inevitably) can't pay even minimums.

[@OneShotProduktions]

"I have a degree in Business Administration, but all the jobs are like, in an office" I'm not sure she fully understands what business administration is...

[@musek5048]

sounds like she probably got pushed into getting that degree not realizing what she was getting herself into. she said herself that she likes working with her hands so why not get into a trade?

[@YouMissedBro]

Business administration, one of the most useless degrees you can get. All the business classes with NONE of the actual skills like advanced accounting or finance tools

[@PANIC_aka_PinD]

@@YouMissedBro What a doofus comment. It is one of the most useful degrees you can have opening the door to nearly every industry imaginable.

[@YouMissedBro]

@PANIC_aka_PinD if you wanna get a business degree, get an accounting for a finance degree. BA degrees are the bottom of the barrel. Sorry you wasted money on a stupid degree

[@PANIC_aka_PinD]

@@YouMissedBro Haha, I have been in "business" for over 30 years and do very well thanks. Go check and see what degree your boss has, or your bosses boss, or your bosses bosses boss. It is business. My wife has a finance degree. Sorry you wasted your time typing out a "baseless comment" ... lol.

[@JamesSmith-cv9di]

“I would not have liked you in high school” bruh I felt that one

[@turtleanton6539]

😂😂😂😂😂

[@reluctanttechnologist3766]

I agree. I'm barely into the start of this episode and I still don't like her

[@slntjd]

why did your editor stop counting the debt every time you checked a new bill? i liked seeing how much it was adding up

[@BOOcketMan]

yeah it was like a horror show watching that number get higher and higher. i hope they bring it back!

[@fairydust1615]

I agree that’s a really nice touch!!!!!

[@sirnick88]

I miss seeing it as well. Especially when I am listening and not watching for most of the episode.

[@Britt4880]

Bump!

[@jaydubya9265]

The debt counter is so inconsistent. Lol sometimes its here sometimes its not.

[@michaelscorn5324]

She’s about 10 years behind in maturity level …she’s 27 but never left the mental age of 17

[@assalane]

13

[@Modernparadoxx]

That’s what happens when you’re spoiled your whole life

[@Hillykarma]

This is the flip side of the old maxim of "girls mature faster." I know so many women that are the same as they were a decade ago in high-school

[@michaelweyenberg6238]

@@Hillykarma That's usually refering to biological attributes. Definitly not maturing in responsibility.

[@nicholasgutierrez9940]

I know plenty of women who act like teenagers. I never noticed it that much but it somehow became clear to me. Kind of sad

[@ErbBetaPatched]

People with maxed out credit cards and missed payments being cautious about closing cards is my favorite recurring bit on this show

[@nwo_news]

LMFAOOOOOOOO

[@pinkisforpimps]

"😮 but my credit score?"

[@dgwolf-1077]

Mines is when people “need” a car so they buy a car that’s 30000$

[@Revert2017]

I disagree to some extent. It takes a little time to make the switch. I had 4 credit cards on January 1, 2024. I am down to 2. My plan is to have one by the end of the year. It takes a little time to pay off the credit card without using the credit card.

[@haydenclement2738]

@@dgwolf-1077 I know, I spent 5k in 2020 for my car and I've spent maybe 2.5k having it repaired/scheduled service. it's not even a beater it has leather seats, seat heaters, and a decent radio. you don't need a 30k car for it to be a reliable car.

[@delicious_seabass]

To the man who plans to marry her: Prenup and no joint account.

[@Funkybassuk]

And no tennis coach. Or chauffeur.

[@traphuntnstuff8096]

Prenup? Haha. NEVER marry this woman.

[@jrr7031]

Actually, *POST-NEPTUAL*. Not prenup. Prenups can be contested damn near into perpetuity, especially if one party has significant income.

[@blastomanto5687]

@@Funkybassuk😂

[@abigailwall2522]

That would be a deal breaker for me

[@greglane501]

A $650 minimum payment on a credit card made me physically sick.

[@Kattlarv]

In civilized countries, most have a max cap on credit. Like: If you borrow 200, you can *never* be made to pay more than 240. But, murica does love to be a 3rd world country with infinite debt.

[@Elkunas]

​@Kattlarv are you and I watching the same video?

[@ShyLittle88]

Damn

[@ShyLittle88]

​@@KattlarvI don't think so lol

[@Kattlarv]

@@Elkunas Yes. I am merely pointing out: This doesn't happen in first world countries. The above example is from Canada. You can at most, charge 20 per 100. And it can't accumulate. In most of Europe, most interest over 4 % is seen as borderline illegal. It's pretty much exclusively an issue in the US. With how the whole credit system works.

[@LibbyONeal09]

"I want to hang out with my friends" sis you're 27, are your friends not at work?

[@julius43461]

My guess is that she lives in an affluent neighborhood and her peers are even more spoiled than her. That's why she has the impression that she is the one that didn't get spoiled enough. Her friend did get a car for Christmas, while she has to work for it. By continuing to hang around with her spoiled peers, she is having to compete with their parents wallets with her meager income.

[@14elvira14]

Adult friends? You mean coworkers 😂

[@mrdavman13]

@@julius43461this is exactly what I was going to suggest. I was in this space when I was younger, my friends were wayyyy more well off than me and their parents could afford to give them way more. I figured it out real fast, I was gonna have to work harder just to keep up with them and the benefits they collect just by being in their life position

[@aliciayork5785]

The town she is from is a college town. Not really affluent.

[@MPPG663]

Omg! I commented the exact same thing lol

[@CallieFornia99]

Hi Caleb! I found your show in October and before you know it, I was obsessed. I binged every episode. The only debt I had was a car loan, at $12,727. I started my debt pay off journey in November, and by April I paid off $5,140. This past Monday I decided to pay the remaining balance of $7,862 in full and today, this Friday, I am 100% debt free! I also opened a HYSA and began investing 15% of my gross income. Thank you for creating this show and giving me the confidence to attack my debt. I’m only 25, so I’ll continue to take what I learned from this show with me for the rest of my life! Thanks, Caleb! Oh by the way, can you have your editors add the “total debt” amount back? Thanks, love you, bye!

[@CalebHammer]

WOOO

[@DiabeticDawg]

Please add the total debt counter back! 🎉

[@SAMMIHODGES-o3o]

Congratulations!!!🎉

[@Sar-ahG]

I hope you have at least some emergency fund left before you pay that off?

[@luckyygrasshopper9508]

Imma cry 😭 this is such a success story, Callie. May your success continue !!

[@Manenna1]

He talks to people the way I wish I could talk to people. I love it LOL

[@rasputin3800]

If you are not a very special type of person who can navigate conflict comfortably, those heated conversations will take a big toll from you

[@Keyboard6304]

Father Caleb forgive me for I have sinned. Today I made a taquito purchase. It has been 73 days since my last taquito purchase which is when I found your channel. Give me the strength to remain vigilant on my journey to financial responsibility.

[@lalimoreno1]

😂 taquito confessions

[@laurendearnley9595]

You must pray the rosary 5 times and put aside an emergency fund to recieve absolution, my son.

[@toni-marees1442]

😂 we don’t have bad debt but I am literally making sure my family knows each time we buy taquitos and it’s too much lol well done on 73 days!

[@Keyboard6304]

@toni-marees1442 I paid off my car 2 months ago and my 4k credit card debt is finally gone. There's more work left to do but making progress.

[@chriswolske]

I actually created a category for Taquitos in my expense tracking app and throw all my coffee and 7-11 stuff in there... my wife doesn't get it. (fwiw, we're in a place where we can spend as much on Taquitos as we want; Caleb would agree)

[@BUSCHY1]

Should put a heart rate monitor on Caleb and show it on screen to see how high it gets over the show each time and then you can have a top 5 audits to see who pushes his buttons the most 😂

[@okitoki1973]

kzbin.info/www/bejne/pGmuYaNtd9ekbac

[@Pinkiiiiii9]

Omg! This idea is genius Caleb has to do this lmaooo

[@rob_over_9000]

This is such a genius idea. Please do this.

[@hahamasala]

Great idea. Blood pressure too!

[@masihaasghar6505]

I just discovered this channel today already watched 5 episodes Let me tell you it is a miracle that caleb hasn't had a heart attack yet

[@benstiller5379]

this guy is the most brutally honest slap of reality I have ever seen. So refreshing.

[@zingara76]

Yes, however I have to give credit to all this people who are so brave to do this in social media for help. How many people are in so much debt and will never ask for help.

[@NotWokebutAwake.]

Vapid...that's the word he should have said! She's vapid!😂😂❤😂😂

[@kogumak.2390]

"but it gets more overwhelming the longer you put it off." Thank you Caleb, I actually really needed to hear this.

[@KhanKhanKhan5000]

Her: "I work. I'm a hard worker. " Caleb: "You're not working..."

[@CalebHammer]

lololol

[@frogerzard6606]

I read that as it happend in video lol

[@Blazin33ninja]

She wanted to be in tube video

[@zacklm94]

Also her: “I live paycheck to paycheck” Caleb: “you have no paycheck”

[@tylerkinley268]

​@@zacklm94yeah mostly in the 'to' part...

[@Jbucci]

Her dad seems like the kindest man

[@mzmi_]

Her dad is tired. He loves his kid, but he's TIRED! He's worried that she's not going to grow up and he may work forever trying to provide for her. Not how that's supposed to work.

[@GBR9794]

@@mzmi_ meh, she could do street deal and earn a lot. but be aware of the pimps though, they are vampires.

[@rob_over_9000]

He does. He’s also probably blaming himself for her lack of responsibility.

[@awsambdaman]

Honestly I’m from an upper middle class area and I’ve seen a few girls who are “daddy’s little princess” and man those girls had ego and were never wrong. Idk man when you grow up you gotta become an adult. An adult infant isn’t cute on anyone

[@getsunova8894]

That's why she's spoiled.

[@elizabethallen4353]

"Where are you from?" requires a 5 minute answer. It's gonna be good.

[@CalebHammer]

looooooooooooooooool

[@blade7506]

i grew up in multiple places and it can require an explanation😂

[@Hillykarma]

Yeah the inability to provide concise answers to simple questions is definitely a trend on this channel

[@RupertMDoc]

@@CalebHammer This response gave me a "Translate with Google" option!

[@benjaminfitzgerald7011]

It took about a minute, calm down! 😂😂

[@jaze8978]

There needs to be a support group for those of us that watch the episodes all the way through LOL.

[@VioletIsBulletproof]

I switch between this, ok storytime(reddit stories), stock market livestreams and crime podcasts. That's how I stay sane if I binge this too long I end up so angry it's unhealthy 😅😅 I was a financial coach for a few years so I feel this even more. I lived it with my clients but couldn't yell at them like Caleb. 😂

[@acgaming1413]

No way this woman is 27. She’s living like a college sophomore

[@iP0intNLaugh]

Her dad spoiled her too much

[@operoverlord]

No, more like an elementary child. My 12 year old niece is more mature than her.

[@ShyLittle88]

Exactly

[@forstuffjust7735]

As a colllege sophimore just last year. I surely did not live like this

[@claracerqueira5]

I was very responsible in college tho 😅

[@septimal_7]

MAD PROPS to Caleb for making the point about owning a Husky in the proper climate!!! Seriously, my respect for him just shot through the roof.

[@spotek275]

not to mention the insane of exercise they need to not be absolute demons indoors

[@mrdavman13]

@@spotek275exercise and mental stimulation is key for working dogs!

[@mayahdoss7050]

YES

[@spiralice]

Hi caleb, just a handful of weeks ago I was depressed and unemployed with $50 to my name but i found your show and it motivated me to get a job. ive saved up nearly $3000 in a little over a month and im finally seeing a way forward. thank you for the motivation

[@trish1344]

That’s so awesome! Congratulations! I hope life continues to look up for you. ❤

[@laurasalsa]

That's amazing, keep up the good work !

[@rwgarchia5187]

keep it up

[@claracerqueira5]

Way to go! ❤

[@Pand45]

Great job! 🎉

[@kienyu9197]

She should just be a streamer no joke, an army of simps would cover her debt THREE weeks tops.

[@theharbingerofconflation]

You really wanna ruin another girls future like that?

[@hollowkid97]

​@@theharbingerofconflationwhy would that ruin her future?

[@theharbingerofconflation]

@@hollowkid97 harder to find a job, harder to find a man, potential trauma for the kids. Unless she stays PG like Pokimane or whatever but I don't see her be entertaining in the "just chatting" section that way

[@prettyboyjosiah5717]

@@theharbingerofconflation that would probably be the only thing that she would be good at

[@dankus.memeokus4192]

​@theharbingerofconflation unfortunately ur wrong. Pokimane is successful because of an army of simps😂

[@GigiSoon299]

I was a former financially ditzy girl who for a time refused to look at bills, pay minimum monthly payments, totally blocked out all responsibility until my shit started going into collections and getting repossessed. I’m turning 34 now and I’m STILL paying for those mistakes I made between 23-30. If she sees this, please fix it now while you’re 27. A day sooner helps. 😢😢

[@deividasnavickas]

still paying? you just got plastic surgery? was that priority over payments??????

[@GigiSoon299]

The plastic surgery was paid for in cash. But instead of using that cash to pay my credit card I foolishly spent it on surgery. Learned from it since then.

[@deividasnavickas]

@@GigiSoon299 learn since when? 3 weeks ago?

[@little_drummer_boi]

@@deividasnavickasDoing the lords work. Caleb would be proud of you. lol

[@deividasnavickas]

@@little_drummer_boi can't stand chronic lies. The way I see it she just talks BS just so to be seen relatable.

[@linneafahlberg687]

Caleb you should rephrase the question “what credit are you trying to take advantage of”. It’s painfully obvious that none of your guests understands the question and your not able to explain it in a way that it make sense to them. When you repeat the same question, yelling, you make them feel stupid and therefore they don’t dare admit that they don’t understand the question. You should try something like: “why do you want to get a high credit score?”

[@AndrewDobbsTX]

The one thing I don't think I've heard anyone say is that it can be hard to qualify for a lease with a bad credit score. Curious what Caleb would say to that.

[@Linuxsysop]

@@AndrewDobbsTX leasing is usually a terrible way to get a car anyway though it wouldn’t surprise me if half of his guests are leasing things like washers, dryers, ovens etc despite that also being stupid . Unless you’re running a business which should be under its own name what else would you be leasing?

[@Linuxsysop]

I’m not sure that’s Caleb’s fault. It’s a valid question and the guests never have a good answer for it because they’re not actually taking advantage of it ever if he’s asking. He’s not wrong that your credit score doesn’t help if you’re paying high interest on crap anyway and not saving for a home down payment or something

[@anthonyrizzo9080]

​The question is perfectly valid, but that doesn't matter if the guest doesn't understand what he is asking. ​@@Linuxsysop

[@TommyFresh_]

@@Linuxsysop… apartment

[@stevenschneider2455]

I actually disagree with Caleb on one aspect... Men will be lining up to marry this mess. I hope her ex-fiancé sees this. Dude dodged a bullet.

[@bored_daisyxo]

Right 😂 I’m sure she’s a very nice person but I know several men that will gladly marry her just because of her looks.

[@dbased1915]

Agree, looks matter way way more than many think.

[@roboeclipse]

Men can also use her and then throw her away. It works both ways. That's why she needs to grow up and take control of her life and her finances.

[@chrisazzy]

She's not very attractive imo

[@ohgiesel]

"I could fix her"

[@erikblomqvist8325]

If you talk to a police officer like that, he will ask you to step out of the car, take nine heel to toe steps on a line, turn around, and do the same on the way back.

[@tinywalnut6337]

She's drunk.

[@BrandiMincher]

She on benzo, like Xanax or valuing,

[@tjvarvaro1287]

She should just become a flight attendant, she’s already got the scarf

[@Tunechi65]

😮SHES pretty so life will continue to be on easy mode for her.some gullable rich guy will wife her up so she can get her dream stay at home instagram influencer lifestyle

[@SisyphusOfAlice]

😹😹

[@phantominsider]

I feel that bandanna is to cover rope burns

[@2744ducksdman]

@@phantominsideror hickeys

[@PhillA397]

Are we gonna do a yearly recap with all the people who potentially fixed their situation? That would be a great episode

[@chhitijpahari1011]

Theres a follow up channel

[@williamstone7514]

Caleb. Found your show. Paid off 8k of bad credit card debt, work our savings up ro 28k, and maxed my 401k and wife's Roth IRA. LIFE CHANGING TY

[@cheebsgod]

The only thing you should be maxing is the retirement contributions :D good for you! I'm starting to kill my debt now

[@coreysmith_1101]

Heck yeah good stuff! Keep it up 👍🏼

[@katshorey987]

Discovered you on tiktok and I’m so thankful. I’m about to turn 23 and I have never kept myself on a strict budget. I want to fix my situation before I get myself in a worse situation. Watching your videos is forcing me to have this difficult conversations with myself and take accountability for my situation.

[@Kattlarv]

She is kinda giving me MLM vibes. "But I'm earning money! I just need to spend $400 more to reach my bonus of $50. And then I'll have $50 to spend!"

[@MM-ry4hi]

Girl Math?

[@timberthus2562]

304 math

[@discocycle]

She definitely is! Caleb, can you do an episode with somebody in MLM?

[@nickj7332]

@@discocyclei feel like he won't because it is clout

[@FirinMahLazer1]

"I'm literally left with $100 after all my bills" Girl you're so close to the light and don't even realize it. Lower your bills and you'll have more money.

[@admiralspire]

I've once had a discussion with someone who's excuse was that they cann't budget for a month is ebcause their paycheck came in every otherw eek. So i said..............just multiply shit by two and you'll have a rough estimate of what you cane xpect. there you gonow youw ent from 2 weeks to 4 weeks. You knwo when bills are due, so just factor that in your budget. It was an infinite loop, nothing got past the 2 week mark.

[@creolelady182]

27 years old and sounds like a 13 year old

[@Moocow4576]

Dont insult all 13 year olds

[@Cattlynt]

And looks like a 35 year old.

[@j2jenison]

"Cant liv offa thaa..." I had to hold words back.

[@LizzieBennettDarcy]

Jacqueline Kennedy was a senator's wife age 24, and became First Lady at 31. It's hard to believe this girl is in the same species.

[@JandelectronicsBlogspot]

Could be an indication of childhood trauma.

[@tlhommedieu]

Okay, she has grown on me considerably throughout the episode. I think it was the nervousness at the beginning before she began to start opening up and taking this seriously. I hope she gets to turn her life around

[@imreallyjustaghost]

She lacks so much financial literacy...I feel bad for her.

[@kylecarey4189]

Everyone on the show lacks financial literacy. I'm sure a lot of people in the comments who have dug themselves out are the same way. Like he says, it's predatory but this is the system we live in. It's not an excuse at this point

[@spencerh8480]

Her new name is ‘Oh Honey’

[@BJD-d6t]

$33,677 in bad debt, at 27 years old, .... all in the name of having fun and ignoring the bills. $70 in checking account. Hopefully, Caleb you're gotten through to her.

[@alexandria65]

Wild. I’m also 27 and I have 0 debt 😅

[@rubenmoreno5731]

What’s funny is these are the type of people that shame you for not having fun. These people make fun of you for trying to save your future and help your family

[@secondsea2]

@@rubenmoreno5731And also you can have fun while… wait for it… not spending money! 😮

[@mbond11833]

I’m 26 and I’m the only one of my friends that saves for my retirement. All of my friends ask me why I’m “already” thinking about it lol

[@alexisjankowski3281]

She only decided to do something about it because she couldn’t charge crap any more. She subsidized her lifestyle with credit, now reality has hit.

[@doubtingtom92]

Why doesn't she become a flight attendant? Like, she enjoys traveling and it would pay her. She's already wearing a neckerchief like,,

[@janeandrews1790]

Oh, but she says she likes to work with her hands.

[@bloodCount8895]

Then she could tik tok YT short her life like the other flight attendant that always has her chest opened with her uniform when she does her shorts/toks

[@katjones4840]

I think that be a great job for her. I hope she see your comment.

[@DevHazy]

Yesssss

[@ben_riley2]

Agree

[@Junitunes]

i only just started this but i find this way more entertaining cause shes just owning her train wreck. people usually just get really self-conscious and embarrassed but she just screams right back and its incredibly funny and makes watching him get upset more fun.

[@danr3131]

If karmic rebirth is real, I hope to be reincarnated as a pretty girl with a rich dad.

[@ezpzlemonsqueezy90]

It's probably not as great as you think it is.

[@winfieldk6692]

​@@ezpzlemonsqueezy90It definitely is, Life on easy mode.

[@musek5048]

@@ezpzlemonsqueezy90 depends on what kind of person your dad is

[@madbaumer215]

@@winfieldk6692 I happen to know quite a few. You may be surprised at how deep their insecurities run. Typically, these rich dads are more so exasperated with them rather than happy to fund their lifestyle. Just listen to this dad's tone on the phone as a case in point. I've had multiple tell me after a few drinks that they believe their family regards them as a failure.

[@Britt4880]

One of my friends is this. She has a trust fund that will cover her for the rest of her life. Because she has no concept of money, she floats through life believing that you can "manifest" anything you want, including money, and it is a huge strain on my friendship with her. She also has no tolerance for real/negative things. When one of my good friends passed away and I was grieving, she happily cheered "I can tell he's in a good place now!" and quickly changed the subject. They are fragile and live in bubbles that will pop, and it won't be pretty.

[@cognitive-botanical-therapy]

Aubrey, I haven't watched your episode yet, but I wanted to comment right away. Being naive about finances is dangerous, not cute. Naivety about how money works can lead to abuse, manipulation. It makes your life harder and can make you an easy target for abusers. I'm a decade older than you and I didn't get my sh*t together until I was 29, so I know you can turn this around! Being financially independent is incredibly rewarding and empowering. Best of luck! ♥ Edit: Girl, you can totally start your own small business! I'm in the middle of this right now. You can pull together a business plan in a week. If the licensing is a huge barrier, then you could consider a mobile bartending service with craft cocktails. One of my friends here in ATX had a lot of success with her mobile bartending business (she ended up selling the business for profit to go back to school). I think you're awesome and I hope you can be a business owner! You got this!!

[@dahe1352]

This girl is a vampire.

[@willmahan4161]

I guarantee she would be the one being manipulative and abusive lol

[@rwcreation2831]

I thought this was going to be a drake joke

[@cognitive-botanical-therapy]

@@dahe1352 no, she’s here to do better. Be kind, she’s brave enough to come on the show and you’re only brave enough to leave an anonymous comment.

[@xx0chrissy]

10/10 comment! I had this same conversation with my Mom who has 0 concept of finances. I've tried talking to her about the basics and recommended this channel, she just acts like Aubrey except now she's in her 50's with no savings and no financial literacy. You don't just "mature" without effort, this attitude doesn't go away with age. I can rest easy knowing I tried but when she comes knocking years from now, I won't be her enabler

[@rileyw.3179]

You know it's going to be a good one when Caleb makes them call someone lol

[@rileyw.3179]

@@dilan4123 maybe you need to evaluate your life if you have a problem with a complete stranger spending $5/month to support a creator they enjoy and want to see more content from.

[@samanthagriffinv2.08]

@@dilan4123people are allowed to have fun and like things in my opinion as long and it fits with in your 50 30 20 rule is fine no more then 50% on needs 30% on wants 20% to investments

[@amoose8439]

​@dilan4123 thanks for the input dilan

[@jessvee6311]

Im still new to this channel, so this is my first episode with this 🥰 cant wait to get to that part!

[@laayedbaack4349]

​@@dilan4123 brain dead take. It's perfectly okay to support creators you enjoy if you can afford it within your 50/30/20

[@sanguinor-sg6lo]

Her dad is a legend. Always tough to be a nice dad to your daughter and balance teaching them character.

[@williamstone7514]

Shes 27...amd attractive....she will meet a guy who will take on this mess...lol Lets be real, thats her out

[@bignspicy984]

A strong possibility, but in this economy, the chances of finding that man are harder and harder

[@austinjacobsen7689]

​@@bignspicy984unless they literally have too much money that they need someone to spend it for them...

[@matthewlee8618]

She’s not attractive so unlikely

[@WildHuntress]

She is pretty, but thats not the same thing as being attractive. If i had to date someone that brain dead I'd just throw myself off a roof.

[@Hannahbets]

This is totally possible because she's gorgeous but if I were her I wouldn't have shared this here, she seems like the type that any normal guy would find attractive out in real life, but personally, if I saw this video and some of the things she's said I would be very wary to propose so I'm sorta surprised she did this. But I think she's more genuine then how she's coming off and probably legitimately wanted to get better? Hoping she finds the right thing!

[@michaeldowning7094]

Cindy Lauper: "Girls Just Want To Have Fun" This Girl: Exists

[@CalebHammer]

🤣🤣🤣

[@jecrpalier]

U won’t find many 80’s girls ever acted this way in their late 20’s. By far the most incoherent blithering fool I’ve ever seen. Congrats on finding a total twit. Girls acted this way in 4th grade not 27

[@turtleanton6539]

😂😂😂😂😂😂😂😂😂😂😂

[@李贝贝-MM]

Five minutes in. You know her family enables her 100%. If you have nothing to fall back on, you wouldn’t sound like that.

[@pinkisforpimps]

only a rich kid would willingly go to a resort town to work a labor job just to "get away" 🥴

[@MarkFirstList]

It’s weird that Caleb doesn’t address this head-on or maybe she got him to delete that from the video. It's pretty obvious that her life "works" due to family support. It would have been a much more interesting episode of this had been the topic.

[@pinkisforpimps]

@@MarkFirstList yeah she needs to save face somehow

[@femdivinemind7777]

💯😂 ​@@pinkisforpimps

[@kylejordan2654]

​@pinkisforpimps disagree. I know plenty of poor kids that did resorts or cruise jobs. Rich kids don't work labor jobs. Rich kids go on and work at magazine or model companies. Maybe dentistry or doctors. But dad owns a labor company he's probably well off but she's clearly been influenced by friends and un educated on finances.

[@jasper-3338]

Caleb: "Are you priviliged?" Her: "Noooo...." Me: " Yes , yes you are...".

[@jokerjoker2010]

5:40 : "I wAnNa HaVe FuNnNNnnN" *distorts face in mockery* Caleb: *death glare, literally speechless in her response* whoever did the editing on that 3-second part needs a raise

[@hlolypop]

“I grew up hearing no a lot” “Daddy I want a pony” “…no”

[@CalebHammer]

🤣🤣🤣

[@OctagonalSquare]

“No, you have 2 already”

[@abigailbacon1794]

This the one 🤭

[@shaneblank5837]

Daddy I want a Lamborghini for Christmas

[@NapoleonicWargaming]

*telling daddy no

[@julius43461]

I kind of get this girl. My guess is that she lives in an affluent neighborhood and her peers are even more spoiled than her. That's why she has the impression that she is the one that didn't get spoiled enough. Her friends did get a car for Christmas, while she has to work for it. By continuing to hang around with her spoiled peers, she is having to compete with their parents wallets with her meager income.

[@TxTechAirRAID]

Such a good guess you had to spam the comments with it ?

[@julius43461]

@@TxTechAirRAID If 2 comments are spam, what does that make of your numerous rants about car salesmen? Did the love of your life leave you for one while having you pay installments for her Jaguar?

[@chrispan3033]

All the while those rich friends have careers or are at the beginning stages of one which makes things worse since they can continue spending and living that spoiled life while not seeing the negatives.

[@bmxney3143]

@@julius43461goddamn you terminated him 💀

[@dudebrodude4388]

​@@TxTechAirRAIDWe are all still eagerly awaiting your reply. Thank you for your attention to this matter.

[@DakotaDebwe]

Caleb! You should do follow ups I want to see how many people actually take your advice

[@punkiebee]

Her dad's been waiting for this for 10 years 😂

[@classics-wz1bz]

Could've been avoided if the parents taught her hard work and the value of a dollar instead of giving her whatever she wanted.

[@punkiebee]

@@classics-wz1bz id say they gave her the tools to be successful, some people just need to learn the hard way or sometimes they just never learn.

[@pinkisforpimps]

Dad probably doesn't care about that. He loves his little baby 🍼 no matter what That's why she's like this to begin with

[@applefarm6126]

@@pinkisforpimpsProbably not.

[@Rokomarn]

​@@applefarm6126 probably yeah

[@alfsmom8025]

Visiting my mom for mother's day and she overheard me listening to financial audit and SHE LOVES IT. She really loves the yelling (you can imagine my childhood 😂😢) but doesn't like the swearing (she is a mom, after all). She loves Caleb!

[@Hannahbets]

Lol the way you described this I think we have the same mom

[@vwkitty]

Recently introduced my mom to Caleb, I told her he’s a “millennial Suze Orman” and she was sold 😂

[@sydneysmith1921]

And my son was the one who said mom watch this I think you’ll love it. I do 😂

[@morecowbell2611]

What swearing? All I hear is kaching!

[@cnicole27]

Caleb saying “I would not have liked you in high school.” had me cackling bc same 🙃👀 Jesus take the wheel on this episode

[@dragoncity4887]

Ha same. "you as a person... euggh" 😂

[@superflatjellyfish]

brutal 😂😂 love it

[@meganchambers8108]

Every 5 seconds its "nnnyeaaahh"

[@jw26]

Idk man. Caleb always has a little more fire/anger towards these types of guests (like the dude who was cheating his way through college). Feels a little too personal.

[@cici4437]

I always feel like him making these comments is unnecessary. People come on for financial help, not to have Caleb shit on their personalities.

[@naturallyryan5220]

I have such a bad migraine and pain day from my health issues. Caleb is my sweet treat. Thank u for providing me with something entertaining while I'm dying lol

[@daneenh5348]

Same!

[@BirdHouseBirdy1]

Her ex-fiance dodged a bullet. Good for her breaking it off "because she wasn't happy" before he made the biggest mistake of his life.

[@ShyLittle88]

I completely agree

[@Zoot_of_Anthrax]

He probably expected her to work and pay her bills - and she was unhappy about that

[@applefarm6126]

Good for him!

[@tylerkinley268]

Yeah being expected to act like a responsible adult probably was a major buzz kill to her easygoing lifestyle.

[@DatNygma]

Unfortunately this is the same situation for most modern relationships. Women: "I'm not haaappyyy! Boooohoooo! 😢"

[@Kayw2188]

I’ve been watching Caleb for a while now and I’m still amazed that a lot of the guests and their lives are real, like this is not scripted 😭

[@CalebHammer]

The world is a wild place full of wild people

[@Cooowop]

reality is more strange than fiction

[@kr59137]

All these comments are backward. What she is really saying is that she grew up in a household that lived within its means. Her dad didn't spoil her the way she wanted so she spoiled herself as an adult. I'm guessing the household was pretty strict as well.

[@CERap22]

This was my takeaway-- so I'm also confused why everyone else sees it differently

[@Newmoon_acc]

I agree. She spoilt herself.

[@liyahs1energy]

It’s because there is an automatic hatred and assumption for women that happen to be born attractive, into cosmetics, valley accent. I am like that and have worked 60+ hours a week since I was a teen. Ppl just have an automatic thing that goes off in their mind for that category of person

[@ianmacpherson6093]

@@liyahs1energyyeah that ain’t a valley accent lol

[@liyahs1energy]

@@ianmacpherson6093 I’m talking about those kind of women in general and the bigger message of my comment was missed haha

[@PlanetUkyo]

She is very naturally beautiful but she is 27 acting like she is a teenager. That shit is fleeting and she needs to get serious.

[@HoldinAces777]

You know when you meet someone in passing you think “god, 5 minutes with this person and i’d jump off a bridge”. Big props to caleb for spending 1 hr+ with people like that lol

[@ShyLittle88]

Right? Lol

[@loria606]

THIS

[@rachelhightops5261]

I'm glad Caleb expressed his displeasure with her personality. He said what I was thinking.

[@Niles727]

Imagine barely working your whole life and you think you deserve to travel the world because you’ve only lived in one place your whole life. Girl you are going to have hell of a wake up call.

[@jmb9701]

It'll be when dad wants to retire and refuses to support her anymore.

[@fukthisshitful]

Some rich simp dude will come along and save her financially

[@justhomas83]

Yep once the credit cards dry up it's going to be a reality check for sure.

[@mitchparizanski471]

Her wake up call will likely be realizing maybe the toxic relationship wasn’t so bad after all. Dudes will beg to save her

[@MakaiAsh]

The immaturity off this girl and Caleb's frustration can be felt through the screen.

[@brettschiller662]

She sounds drunk, but I fear this is a sober reality and thinking process

[@FearhandWinner]

Yes that’s exactly what it is, like a drunk college girl

[@AnalyticalMenace]

Yeah. And what the hell is even that accent?!

[@mlzoppetti]

She's definitely drunk

[@Shmoffy_]

@@AnalyticalMenace I had to quit this episode 9 minutes in, she’s straight up too annoying for my ears to listen to😂

[@rachelhightops5261]

I actually think it's lip filler and botox. I've noticed people who's lips are overfilled can't move their mouth properly and kind of sound like that.

[@mrlank]

Her words and voice are like sandpaper to my brain

[@elenad8712]

You know, this conversation is probably what she needed. I can understand where she is coming from, it's hard to talk finances with people. It's so private yet more people on social media are being more transparent which is probably what helped her reevaluate her life. Kiddos to her for being on the show. Hope she comes back to Colorado.

[@Junitunes]

so something I see that no one else is seeing. the entire time she is saying " I need to change" most people deny deny deny and make excuses. shes like "yup I'm fucking up I need to change" she drove 12 hours for this! i have hope for her

[@VioletIsBulletproof]

Shes also one of the few people to cut up their credit card in the show. She also doesn't give me anger issues like the other people 😅😅😅 I def have high hopes for her.

[@huskrzfan024]

Can we have a breathalyzer at the start of episodes

[@triple_gem_shining]

I was just typing if she was drunk!! 😅

[@lenaroe8514]

I was thinking she was high with the way her eyes kept glazing over, her mannerisms, and how she kept getting worse as time went on.

[@inhoseo]

She's definitely high on debt.

[@ssez1120]

She is lit. She needs counseling or a speech tgwro

[@ssez1120]

Now I’m drunk. She needs a speech therapist or drug counseling

[@dagmar9019]

I never heard the word “no”, because I never asked my parents for things I didn’t need. My parents made me aware of their finances. They weren’t in debt, but they weren’t rich. I understood my parents couldn’t give me things I wanted and I needed to work for them. I admire my parents for being disciplined and honest with their finances. It taught me a lot and saved me from making bad choices.

[@JDN_OrNothing]

“oh my gosh, you are… just… your presentation, and you as a person is just like ew.” Hahahaha Caleb, amazing. 👏

[@Boc3phu5]

She presents herself as a valley girl and she isnt from cali. It just screams ego.

[@iosgaming2824]

@@Boc3phu5that reminds me of a coworker I use to have lol. The girl was a very nice girl for the majority of our association (I say association because I never considered her a friend) but although I don’t know if anyone else from upstate New York has a valley girl accent she had one and she was from there and I’ve lived in Los Angeles almost my whole life and never met someone with a valley girl accent

[@Boc3phu5]

@@iosgaming2824 Similar experience. i guess its just the way they want to talk. I dont think folks in east TN speak that way.

[@Lunalane567]

😂😂😂😂😂😂😂

[@WildHuntress]

I cracked up then too. I appreciate him for saying what we were all thinking.

[@nijjaz6532]

I do believe people like her will find a way out. She is very bright & good humor. People do get jealous of good looking women. But a lot out there will give her an opportunity

[@charlieann456]

Until they hire her and realize the Barbie doll is detrimental for their business.

[@PumpkinPotatoPie]

He hit the nail on the head, she runs away when things get tough, her parents bailed her out too many times so now she is not ready for the stress of the real world

[@keithsimon]

I love how caleb can causally tell peoples he hates them as a person.

[@summer5586]

I think that’s why this show got so popular 😂 we’re all living vicariously through his lack of filter!

[@zackclark9304]

The GOAT of giving us continuous, quality content.

[@CalebHammer]

The GOAT of supporting the channel!

[@jennyhergniot6783]

I am French. we do not have credit score in our country + almost no credit cards. it is crazy to see the American culture. this programme has help me cutting doordash (French one is delivroo) and make me more responsable. THANK YOU.

[@PureLace]

27, by the way she speaks her maturity is closer to 17. "I wanna hang out with my friends!" Huh? I've never heard an adult say that.

[@mithicash1444]

And I am over here thinking, "Friends? What is that?"

[@abighack6622]

Do you people not have friends? Is your life that dull?

[@jadevu904]

@@abighack6622 Well usually Friends always bring you down, all my High school friends that did not focus in the future they all end up pregnant with no husbands and the guys are still single live at their mother's house.

[@adamsandlerlover300]

@@jadevu904no wonder you have no friends, you sound miserable 😂

[@argonaut8560]

Literally

[@janellbatey5561]

"How do you go to sleep at night knowing that your past due on bills?....Peacefully because I don't think about it!! 🤣🤣🤣🤣🤣

[@iosgaming2824]

Her honesty was admirable but that sounds like writing for a satirical show or SNL

[@turtleanton6539]

😂😂😂

[@dbling]

Time to put on my Financial Audit shirt that fell within my 50/30/20 guidelines.

[@thejoyism8]

“I like to paint” “…why don’t you paint walls” CALEB you are so funny lmao and it’s always an immediate comeback

[@georgescualexandrugeorge7581]

I really don't want to say it, but THIS. This is a clear example of a grown ass woman that lived her entire life with daddy's safety net.

[@Cooowop]

more like a luxury safety bed 💀

[@squizzerl1478]

I think most of it is she's a clout chaser and thought this BS would get her something. She's clearly a clout chaser and it's gross.

[@pinkisforpimps]

Pretty/rich privilege

[@spamaccount6460]

There are a ton of these out there. And they have no understanding of how easy they have it.

[@pinkisforpimps]

@@squizzerl1478 I don't think so. She's not a model or OF girl or anything. She literally just has no clue

[@silksatinsilver1]

When you ask “what credit do you plan to take advantage of”, the average person has no idea what you’re asking. Instead you could ask, “what item, car, house, or college education, etc do you plan to buy in the future that you won’t have cash for? “

[@chelbyxokay]

One thing I think Caleb doesn’t think about when asking why these people care about their credit is that usually people who aren’t financially wealthy or savvy are renters. And now most rental properties are owned by companies - and require credit checks. So although I don’t care about my credit to take out more debt - you do need a 650+ to rent most apartments or homes. This country runs on credit in more ways than just debt.

[@kevingreene3058]

Are you sure she wasn’t drunk? Based on her speech it would appear she was under the influence of something. The longer she is on the more it seems semi slurred. She also really doesn’t seem to care at all. She just wants to say that she was on the show and continue living in her fantasy

[@robertwendal5894]

Completely agree, 10 years as a night club manager I've seen this level of high functioning drinkers, not saying alcoholic but the flushed face, slurred speech and the lack of hand and body movements looks like she had a buzz to get through the interview.

[@quarantinelife.]

I thought I was the only one who thought the same

[@_Delta_P_]

No she’s just dumb.

[@d6mafia13]

I'd bet money she was on xanax

[@andretatesIII]

I honestly think she got a procedure done on her hips that allows are upper teeth to show more and she’s not quite adjusted to it, so she talks with a slight lisp. That on top of her immature explanations of things makes her seem a little tipsy.

[@christenknight726]

I don't know if I am going to be able to finish this episode I am also 27 and can't imagine being like this with my finances. I love watching Caleb and it has helped me to really buckle down on my finances, to where I have a full time job as an admin assistant at a University, and two part time jobs teaching dance and being the office manager at the same dance studio, and am still looking for more ways to make a little extra side money so I can pay off my student loans faster and to keep building my emergency fund as well as other saving buckets.

[@tylerkeogh4906]

She mentions her rent is discounted because it’s employee housing. Fun Fact: Employee housing at resorts are loaded with drugs and parties. It’s 100% the place to be in your early 20s but in your late 20s and beyond you might want to consider hanging up the jacket.

[@timberthus2562]

Doesn’t sound like the place to be at any point in one’s life, yikes

[@ark530abe]

Get out of here. If you have restraint you can easily not use drugs/alcohol. Its easy to make assumptions but your not 100% correct. Also living in resort towns can give you a higher wage than normal due to more money coming into hospitality. Also a higher fulfillment of life thats you don’t get living in a large metropolitan.

[@ianmacpherson6093]

@@timberthus2562lol you sound fun

[@eoin8156]

@@timberthus2562partying in cheap accommodation is perfectly normal when you’re young with no responsibilities lmao

[@cyprienmaccamley126]

as a former front desk assistant manager that used to work for a french multi-national all-inclusive resort brand, I can confirm this. Plus most of the employees there are already from well off families so for them it's just "to have fun" not actually to work, managing them is like working with emotionally stunted children that complain about work all day.

[@christopherscartwright]

Absolutely love when guests call it "THE Financial Audit"

[@CalebHammer]

haha

[@ColtNomad]

The Facebook

[@starry75]

On THE KZbin

[@nmasolanmasola]

Drop the “the”, it’s cleaner - JT

[@4everhumbl36]

The Texas

[@vikki4now]

She could become a flight attendant for travel. She could be a dog groomer, pet sitter, dog trainer, vet tech.

[@MrsFitzus]

As someone who has worked with dogs as a groomer, sitter and in a boarding facility for the past 10 years... she would be a ditsy liability. And you don't make much money. Groomers CAN make about $80k, and they're in high demand in most places, but you're very likely to be exploited by your employer and end up with multiple work injuries that screw up your body for life. I'm only 29 and my left wrist is basically unusable and I'm covered in scars from bites and scratches.

[@jamesguy2265]

I like calm n composed caleb

[@argonaut8560]

This girl sounds like a teenager never grew up and gained responsibility

[@PumpkinPotatoPie]

This is someone who was daddy's princess for way too long

[@CalebHammer]

yerp

[@Layer88]

@@CalebHammeryour awesome !

[@erictovar2885]

​@@Layer88 *you're

[@Frosty1026]

I’ve watched 3 min and I got that vibe from her just off the way she talks alone

[@sarahpelley]

*still is

[@Draxan]

R.I.P. Debt counter. You are missed 😢

[@alysacruz1993]

I miss when they used to intro with name and job title

[@benjaminhough8804]

They still do? ​@@alysacruz1993

[@thepresidentslab]

A legend gone too soon

[@secondsea2]

Apparently it’s coming back!!

[@suhseal]

Caleb's face is so hilarious. And I love how he doesn't sugar coat ANYTHING AT ALL. LOL

[@Joompss]

I like the thumbnail for this video and the last. I think they are a good improvement over the previous ones, it looks more professional and made me want to click on the video. The old thumbnails just seemed goofy and kinda turned me away from wanting to click on it. Keep it up tho guys, I'm enjoying the content!

[@CalebHammer]

Thanks! We’re trying really hard on our end :) -Mika

[@secondsea2]

I agree, they’re getting a little unhinged haha

[@TheBIGJake111]

I actually really appreciated her on the show and think she’s very “real.” She reminds me of a lot of my friends from college who are great people but really struggling post grad.

[@user-lt1jd1ye3v]

Agreed!!! She’s real

[@AW-yv9sq]

We would not be friends

[@goldtrvsh]

“Did you watch the show with the volume turned off?” 😂😂😂

[@AnalyticalMenace]

I was actually about to ask the same thing.

[@purpurina5663]

Conversely, just listening to the show without watching is just whoa... no face expressions to cushion the blows of stupidity. I fear for humanity

[@michaelhollis764]

"You're kicking the can down the road and it eventually becomes a boulder and you can't kick it." - guru level wisdom.

[@christineee444]

When she asked “THE question”, I died at Caleb’s expression 🤣🤣🤣

[@briana5772]

Caleb calling the guest's dad was very entertaining.

[@kathlbryan]

This channel allowed me to pay massive debts. I paid for an air conditioner in cash! Paid 10k down on a personal loan for solar. Saved a 20k emergency fund that allowed me to take 6 months off to ride out a non-compete to gain an almost 21% raise! No more hustling unless I want to. 😢 This channel changed my life!!!

[@yaboydarrell]

Congratulations, keep it up. Life is sweeter debt free

[@Rokomarn]

A loan for solar 😂 Haven't learned a thing

[@kathlbryan]

I already had the loan before ever watching this series... But thanks for your comment. ​@@Rokomarn

[@BMac420]

Non competes are illegal now

[@honeyhillapiary3421]

When she said that her ex was "controlling," you KNOW it was just him saying that she needs to grow up, be responsible with her money, and party less. 🙄