Delusional Model Is A Clown | Financial Audit

[@suzykennedy3559]

The audacity of the ‘I’m trying’ Before I found Caleb last summer I had a 72 month car loan- 60 months left. I realized I needed more money to take care of it so I got a second job. I don’t love working retail again- but I have 15 years experience and got a job within 2 weeks. I’ll have the car paid off by November. Full emergency fund by may 2025. It’s 16 months working 55 hours a week and there’s no debt. I can do it😊

[@Liveintentionalhomestead]

Well done!

[@sagetusk]

Amazing, smash that debt! ❤

[@miffedcuttlefish6139]

Ganbatte!

[@aarg2609]

Admirable 💪💪

[@catdragon1313]

You ABSOLUTELY can, you got this!!

[@MaNA_tW]

The car washes while missing car payments says it all. It's all about the perception of wealth, and success to her. Not the actual hard work.

[@GelberStuhl]

You don't want to look poor when they reposs your car

[@meoweth9559]

Their car at that point 😂

[@LawrenceTimme]

Keeping the car clean for the repo mam

[@adambaumeister2376]

She wants it clean when they repo it hahah

[@smartcookie3500]

They are all like that 🤫

[@Brooklynyte1017]

Whoever did the thumbnail deserves a raise ASAP Rocky.

[@AB-py6jl]

Thumbnail and title game savage ☠️

[@Richard-Reloaded]

Skinny Caleb is crazy.

[@seanmorrison9574]

Very good looking magazine cover

[@Bloodywasher]

Hundy P

[@Videomixerify]

I see that Blue Steel 😗

[@sarashann]

"I'm trying to find balance." Gal, you got balance on every one of your statements (car, house, student loans, credit cards). That's the balance you need to worry about.

[@alexshaw8167]

😂😂😂 that was GOOD

[@trentenr7255]

Hahahaahah actually LOL

[@-R2-D2]

Too good 😂😂😂

[@NickyBlue99]

🤣 🤣

[@lolacole5653]

😂😂😂😂

[@LordUroko88]

An unemployed person hiring people with a small business loan might be the craziest thing I've ever heard

[@certifiedg7927]

It's called being a boss in my company that I haven't started yet , but in the meantime I'll hire people, even though the company hasn't been built

[@CC-gj9wb]

I'm pretty sure that "business loan" was the infamous PPP loan scheme. Therefore she had to say she paid people even though she pocketed the money, just like millions of others did😬

[@feartheghus]

@@CC-gj9wb that won't work once she gets audited and they find out there isn't even a business to audit because it wasn't real.

[@burnerdgaf5222]

I swear she wants to be in debt or something because that is the stupidest thing I’ve ever heard from someone who isn’t bringing money in

[@UpsidedownC]

​@@CC-gj9wb 100%

[@langs089]

"I'm a creative/entrepreneur" nowadays means "I am broke, have no job, and don't want to work".

[@LunarLocust]

It's this generations SoundCloud rapper

[@turtleanton6539]

Yeh😊

[@turtleanton6539]

​@LunyuparLocust

[@will1122]

it means unemployed

[@rfcbass6810]

She doesn't even say that. She said......"I am A creative and...." It makes NO sense what she even said.

[@SteffG]

" nothing like a unemployed person with a coffee and a macbook" i laughed so hard!! 🤣

[@andrerodriguez6464]

Her ego was destroyed

[@stuff1784]

LOL, been there 😅

[@JeanSchlemaan]

ya. she should NEVER GO OUT TO EAT, and NEVER HAVE A COFFEE.

[@jessicah3992]

😂😂😂

[@karenwang313]

Hey, I make my own coffee and bought my macbook two years ago for 300 bucks off ebay. Don't lump all of us unemployed hipsters together.

[@50shadesofgandalf92]

Ive noticed that a lot of people who he interviews are more focused on the perception of wealth than actual wealth. they would rather be broke influencers than make 50K$ doing a 9-5

[@stuff1784]

Def

[@jimmorrison9319]

They are entitled lazy narcissists

[@tweisbek2]

Yeah, they're all people who don't realize that the material goods that they want mathematically don't make sense on their incomes (as Caleb likes to say). They simply can't fathom that the new, shiny cars or trucks they want, the travelling, eating out, going to concerts, expensive clothes and such... are all consumptions that they would need to make tens of thousands dollars more to be able to afford on top of regular living expenses without going into debt

[@dyates6380]

Exactly.

[@joelwillems4081]

Like one of his early ones who was putting out good vibes so that she'd somehow get money. And she also hated working more than 3-4 hours per day and had to ubereats and doordash because somehow her time was valuable.

[@RIOT1003]

Her pride and ego are setting her back. Like he mentioned at one point she could go flip burgers but she obviously believes that’s below her.

[@UntamedMann]

A lot of models think like this. They think modeling is a career. Yeah it is, for the 1%😂 especially the huge ego. Dating a few was a absolute nightmare

[@johnwicksfoknpencil]

She was handed a home and thinks she is too good to work for $15 an hour. There is no saving this woman.

[@Cenyalt]

If my parent left me a house at $1000/month I’d be for sure working at McDonald’s to keep it

[@aurograce2983]

I'd go back to HyVee for that, and it was my least favorite job so far and they only paid 11 an hour

[@Drkbardockssj]

@@aurograce2983are you in the Midwest. I never hear anyone mention Hy-Vee anymore haha

[@Scorpia161]

i would spin plates on my nose for 8 hours a day if it meant a whole house for 1k a month at less than 5% interest.

[@sydneym-y]

I’d live there till the day I die just so I wouldn’t have to have a mortgage anywhere else

[@njordan1558]

Prayerful she and the sister are paying the taxes on that home or they’ll loose it for sure if foreclosure doesn’t come first. Caleb is right, how can you squander that sort of built-in equity IN AUSTIN NO LESS??? 🤦🏾‍♀️ 🙃🙄

[@joshw1253]

“I occasionally do contract work…deliveries…for a pretty big company” is such a tech bro way of saying “I deliver ubereats sometimes”

[@Wc7823]

I cracked up!!! I knew she was trying to talk slick. 😂😂😂

[@Cj032188]

You're so dang wrong.... So wrong... Its amazon routes...

[@jordanthamar1]

I literally stopped at that part and flew to the comments to see if anyone pointed that out 😭

[@why6212]

"Don't try to church it up, son!"

[@vidarud1202]

Soon as she said that I knew it was Amazon Flex lmao

[@fairydust1615]

I understand grief is a real thing. But her loosing that house is the biggest disrespect to her late mother she could ever give.

[@GigaChad_169]

Agreed. I don't understand it.

[@jvall5879]

I agree. I was hoping Caleb would point that out & make her feel bad about that tbh.

[@binglebongle8601]

Agreed. Her mom would definitely tell her to tight the house. Instead of loosing it.

[@ojames1983]

(losing) * fixed *

[@carinaadams6797]

Right, worked any job and saved every penny I could to keep my mums house, my childhood home. Out of respect because I know how much she struggled with it herself. I will do anything to keep it to honour her memory.

[@ekko808]

when I opened this video from what was going on in the short, I did not expect to find a 34 year old that can't afford a $1,000 mortgage. this is a ridiculous person.

[@ekko808]

@@kellenhurtado9357 You think half the people couldn't afford that? the median earnings in the US per week is $1000 per week. So if you're an average person in the workforce, you could afford a $1k mortgage. If she just got one roommate, she could work a low wage job at around $12/hr and afford half the rent. That's how I singled her out-using math.

[@pauline4721]

⁠@@kellenhurtado9357what do you mean singling her it’s an episode about her 😂😂😂😂 what else are we supposed to talk about

[@ciaraskeleton]

I was about to get offended but I'm 26 😂 I could just about afford a $1000 dollar mortgage but definitely could afford it splitting w someone. Don't want to invest in any property until I'm easily making enough alone to pay it off.

[@KATYMCGINN]

​@@ekko808😒 WHAT IS SHE GOING TO DO WHEN SHE ENDS UP HOMELESS? IT'S HAPPENING MORE & MORE NOWADAYS. SHE'S NOT TAKING ANY OF THIS SERIOUS. IT'S GOING TO BITE HER IN HER "FAVORED" PLACE 😮😑

[@fighthive4808]

Please, PLEASE. Bring on someone that wants to improve. I’ve applied twice now, I’ve showed serious improvement between those two applications, and I WANT your advice. I’m going to keep improving no matter what and get where I want to be, but I could seriously use your expertise.

[@strawberryslush5067]

I hope you get on!! Good luck!

[@fighthive4808]

@@strawberryslush5067 it would be a great opportunity, but either way im going to keep working on my life! thank you and i hope you have a great year this year

[@Emily-ln2zz]

Have you looked into his course? I personally haven’t so I don’t know what it offers in full, but it’s worth suggesting! Good luck!!

[@ivettesilvas697]

Keep it up! You got this. 😊

[@sanjicook08]

Sounds like you have everything together! You don't need to take a spot from someone who is in a worse spot and needs help!

[@madelineziegler231]

The idea that she can’t go work a $15 hour job because that doesn’t value her time but she expects her employees to work for a failing “brand” and receive a random gas card as appreciation has me screaming.

[@Less_Or_More_Rika]

Good point. She probably got the main character virus

[@yeahzeeroo]

I was annoyed she didn't see the contradiction...

[@emilydumonte9075]

So weird that a company paying you as little as they possibly can and sees you as a temporary body to fill the workload wouldn't "appreciate" her 😂😂😂😂 that's 99% of all jobs.

[@AB-py6jl]

With a little bit of "ExPoSuRe" sprinkled on top Salt Bae style 👌🤓

[@kennywilson5422]

I thought it was hilarious how she said we need to stop expecting people to work for free and then she said that. It sounds like a company having record profits and rewarding their employees with a pizza party

[@eliettesoler9858]

This person has inherited wealth but is entirely unwilling to preserve it. UNREAL.

[@THEGREENHELIUM]

Yeah it’s so sad. The toiling and nights falling to sleep due to sheer exhaustion by her mother/parents means nothing. The given mortgage from heaven gone. The generational wealth to prevent what so many people of all different colors DREAM of - GONE. All it takes is the weakest link and the whole kingdom falls apart.

[@daveb3910]

Gotta set it up right so no one person can have the ability to bring down the empire, unfortunately that will reduce the amount of control you have over it. See it as an initial investment in a company that you'll never get back but will employ your family and give them income for the rest of their life

[@JustysFrank]

@@camk2941get out of these comments and go WORK. get a job at fucking mcdonald’s its not so bad and you DONT HAVE A CHOICE

[@JevArchives]

@@camk2941 youre eating fast food over paying bills m8 lol

[@wandbowsword2805]

Actually very common they wont even do basic upkeep

[@pinkandjewels]

"I'm blessed and favored...I'm favored." "What the fuck are you talking about." 😭😭

[@KMF3]

Why because she is black?

[@joseluki]

Is the word she uses to describe her delusion.

[@wolfhrt21]

The self aggrandizing here is astounding honestly. It's definitely hard to stomach at times

[@justine8387]

She and the manifesting woman should "start a brand" together 😂😂😂😂

[@ladyzeta6]

It’s Biblical. Meaning God’s hands are on you for His purpose.

[@terriblehem7581]

When she asked Caleb “do you even know what it’s like to take care of a brand” while actively participating in his successful brand made me laugh

[@brandingdepartment]

We manage brands... hell, we create and grow them. That guest has no idea what a brand is, that's our professional opinion.

[@ashlandmonroe5607]

Seriously though. "What's your brand?" "Acting, modeling..." The way I shook my head

[@dezzyvalenz8533]

I want to like ur comment but it’s at 333 likes 😭

[@Businedu]

@@brandingdepartmentwhen that clown said “my brand” I already knew she had some stupid shit to say after. “I model, act, and sing”. Delusional losers

[@amandatrot92]

😂😂 fr.

[@KichiSixtyFour]

I'm blown away that she had the confidence to brag on her investing and saying "I was going to become a millionaire" 30 seconds before she asks if bitcoin is a STOCK.

[@raulw858]

Yeah that was the most insane part of this episode and that’s saying something

[@joelsanderson2021]

She should have took the money out before it went to shit

[@phala_fala]

A lot of guests on this show have had the crypto millionaire dream😂

[@joelwillems4081]

Bitcoin is a scam, that's what bitcoin is. Unless you are on the inside "inventing" these coins, you will probably lose all the money you put in. I've been investing 10%-20% of my low wages for 20 years and I'm not a millionaire. Good years it does increase my net worth nicely but I don't spend money from my investments until I retire.

[@TheKid12363]

Shes lying to hima nd herself.@@joelsanderson2021

[@KrawNasty]

Paying to get your car washed while missing payments "on said car" is the most ass backwards shit I've ever seen hahaha

[@fredfinger7092]

I absolutely love this typo, please don't fix it!

[@litarea]

Paying to wash the bank's car 😂

[@KrawNasty]

@@fredfinger7092Dang it! I seen this to late lol

[@KrawNasty]

@@litarea Wild haha

[@fredfinger7092]

@@KrawNasty Oh well I can't fault you for correcting yourself. Your observation is definitely on point though!

[@kevinbing2699]

34 years old and not making $2000 a month is wild…parents and partners need to stop babysitting adults like this.

[@bankscloverbaywatch2578]

Fr... I was making well over that as an 18 year old college student and double that during summer months working 60-70 hours a week. It's so doable

[@kittygumdrop7442]

​@@bankscloverbaywatch2578The key there is you were doing 60 hours. She's probably not putting in that much time into actual paid work.

[@livwake]

I barely make above minimum wage and I make more than that 😭

[@manny6510]

@@bankscloverbaywatch2578damn 60-70 a week I’m 19 I feel tired from 40

[@seemomster]

"I'm a model, an actress, and an entrepreneur." Why doesn't she just say she's unemployed?

[@notchback93]

It would probably dilute her brand

[@butlerbees6639]

For some reason black women are obsessed with saying they are entrepreneurs. I don’t know enough about the culture to know where it comes from but it’s all over the place.

[@awesomeirlable]

@@butlerbees6639it’s clear that you don’t know enough about the culture because as a black women, this is the first time hearing about our “obsession” with calling ourselves entrepreneurs

[@butlerbees6639]

@@awesomeirlable lol

[@222o-u3t]

@@butlerbees6639 That’s not a Black people thing, it’s a dumbass unemployed thing.

[@laurasnyder9809]

“There’s $1.41 in your checking.” *sips coffee that she definitely shouldn’t have bought*

[@JS-kc2xs]

Lool. Was thinking the same thing

[@Marco_Shouldve]

Maybe she got it from Caleb’s cool little coffee station in the office!

[@MrLandox12]

spit my drink out - thought it was a joke lol

[@dn8015]

😂

[@jonesbunny]

😂😂

[@greystorms9632]

Holy shit I’m in Austin and my brain kind of took a minute to process the words “$1000 mortgage”. Are you kidding meeeeeee

[@dorabledea]

It’s because the paperwork they need to lower the mortgage her dumb ass is hiding from her sister… who ✨surprisingly✨ pays all the bills…

[@kendrav.2088]

At 38 I got a divorce. Was self employed but couldn’t pay my bills.. ended up getting a job at a Wastewater Treatment Plant. It Had the best working hours that gave me more time with my son who was 5 years old at the time . Didn’t realize at the time but I now have a great pension for retirement!! Do the Dirty Jobs folks. They pay Well

[@britt5650]

Thats true and those jobs are often easier to get started if you are really in a pinch for money

[@heidiortiz9352]

Probably had decent insurance too!

[@alexjones8382]

I did the same for 8 months in between jobs. Bet you had diarrhea for the first month of working there 😂

[@StaciaBielka]

They really don’t though. It’s like $25-40/hr for an operator, maybe up to $55 for senior in WA state. This is not a great salary here. Better than 0 of course, but not awesome to make a whole life career out of it.

[@JeffA9300]

That ending 🥶🥶🥶 so many more people are delusional

[@kaydubski888]

i was $52k in debt when i first started watching your videos, down to $27k now … thanks to you by the end of this year i will have it all paid off with a net worth of $10k - thank you so much for the motivation & the inspiration caleb

[@Kirit034]

Congratulations 🎊 👏🏼 I'm sure it will feel amazing once that debt is destroyed keep up the grind 💪🏻

[@tonyn4508]

You’re doing great! Keep up the good work!

[@Fazzmania64]

Great job dude

[@Playingwithproxies]

Get on the show id love to see someone making progress in the right direction

[@stuff1784]

Congrats! 🎉🎈

[@stefanielozinski]

It makes me so mad when I see people look down on fast food workers. I worked at McDonalds as a teen and honestly that job taught me skills I use to this day. You can learn a LOT in a fast food restaurant if you’re willing to try and make the best of it

[@gabecastillo1634]

I personally believe everyone should work in a kitchen environment at least one, food skills aside the time management, multitasking, and custom service skills really show in other jobs

[@IAmJeka]

I know! We use to say that when I was young because McDonald’s paid minimum for the longest time and exploited you but I think now they pay a bit higher no? I mean I understand not wanting to be slaved by a job barely paying you but man take something. Server, restaurant something

[@1lovetheocean]

Absolutely. These people need a whole lot of humility. I’ve worked as a housekeeper, kitchen porter, waitress and i have a lot more money than this financially ignorant person.

[@davisholman8149]

My mom & I discussed that at Chick-FIL-A. Fast food workers work hard! I realize things slow a bit between meals, but they do earn their money.

[@paradisestruggle404]

Same place of employment, same age, same sentiment. My first job ever and I learned so much because I chose to. Plus they are so much more organized than other fast food places that I was really glad that I chose to work there.

[@__m-a-x__]

“I’m favored” is code for “I don’t know why good things happen to me and I don’t know how to make good things happen in my life” total lack of agency. You create your own luck.

[@LM-rp1rv]

“I’m favored” is some Christian manifestation delusion

[@r.dennison5042]

@@LM-rp1rvdef not Christian. They’re scam comments that start off as “I’m favored”

[@selenachan4230]

​​@@LM-rp1rv its the same sh8t people say like I'll figure it out or I'll worry about it when I get there. It shiz that hits the fan

[@TheeBizzyB]

I don’t think she has the slightest clue how much of a gift that house is.

[@carinaadams6797]

I inherited a house from my late mother 2 years ago, I sometimes Google room prices to remind me of how lucky I am. Not even a house, just a room and the prices are *INSANE!* I realise I wouldn’t be able to survive out there. I’m insanely lucky and in a privileged position.

[@TheeBizzyB]

@@carinaadams6797 same. I inherited my childhood home from my dad when he passed. There’s no chance I would’ve been able to afford anything like this anytime soon.

[@chakazuluxmas4054]

She lied all of a sudden mortgage is called " rent" ?

[@jenniferpearce1052]

@@chakazuluxmas4054 If you always think of paying for your housing as rent, it would be easy to misspeak. Especially if it's not a mortgage you went through all the process to buy a house for the first time and you're excited and scared.

[@TheIronChainMaster]

Do you know how many people would kill to have a mortgage like that nowadays? What a dream come true! I would be making sure to work jobs and do everything to make sure the mortgage is paid. Not her! I would be reevaluating myself to see what I can do without so that the mortgage is a priority. Not her!

[@ForgedEggs]

Whenever I feel shit about myself not having a lot of cool things, I watch one of these videos and feel absolutely grand about not having any debt to speak of, stable income and very few bills to worry about.

[@alexbishop84]

Same dude. I feel so accomplished just not being a fuck up 😂

[@lukim2744]

Even if we're dead broke, atleast we're not these airheads

[@freddywop1738]

lol same I’m like wow I’m more responsible than I thought

[@123sleepygamer]

SAME. I'm not the smartest financially, I have mild addictions [nicotine, THC, Kratom] but I pay for them, getting worse lately so it's time for a break on the ol puff puff if ya know what I mean, and hey I can be impulsive too, maybe I buy a random indie game on PC I don't need and may only play 10 hours of? That's bad, I can hugely improve, hey at least I'm saving some $$$ now. These videos have helped me a ton but also.. When I watch these videos, where the people are living like ME with no stable income, while also buried in credit card debt, I don't know how they mentally cope with that tbh. I get fighting for motivation and the like but god damn there's a point where shit is too far/too bad.

[@JURNS03]

I could never not pay my bills. I would gladly take any job to help pay for them if it was to get to that point.

[@EmpricalData123]

This episode was brutal because of how sad the situation is. A house being left behind for their children just to have said children choose the life of "I want to be an actress" instead of taking care of the mortgage is horrifying.

[@LeaOverAtVatic]

I knowwww!!! It’s so sad I wanna cry!!!!

[@Dixon_Cider407]

At a whopping 1k in Austin Tx smh

[@Draggonny]

Has she not turned on a TV in 30 years? We all know the trope. You wait tables while you're waiting for your big break as an actress. You earn a living while you try to make it. Dying on a Walmart floor would be a luxury compared to what this woman is doing to herself. She's going to be dying of exposure in a shop doorway if she keeps this up.

[@spartan662501]

Absolutely true. Being left a house (depending on the house) can be a massive boon. Managed correctly, that could take care of a decent chunk of your retirement and she is wasting it.

[@spartan662501]

Absolutely true. Being left a house (depending on the house) can be a massive boon. Managed correctly, that could take care of a decent chunk of your retirement and she is wasting it.

[@theSavvi101]

I pay $1,060 for my STUDIO apartment in south Austin where I was born and raised. And that is CHEAP. I work my ass off for $600/week. How she even have a roof over her head? She’s never had it rough with nothing to fall back on and it shows. Those nights without a place to go alone on the streets of Austin as a teen were enough for me to suck it up and get a job.

[@nubreed13]

Yup. I didn't have it that bad but I still got a big dose of reality when I graduated college and couldn't get a job in my chosen field so I had to go back into construction. I'm still working towards my goals in life but that humble pie stung pretty bad.

[@Driver8takeabreak]

Almost all the red flags in the first 10 minutes: entrepreneur, actor, model, crypto

[@alyssaengel-swift9269]

Lol Caleb should make a hot mess bingo card for these audits 😂 or a drinking game 😂😂

You forgot the Universe's magical power!

[@Jumperkiller909]

Dont forget she’s gonna be a millionaire…as she said its not too late

[@sherriebreese1596]

I am surprised that she is not a lifestyle, metaphysical, manifestation coach.

[@Dan0TheMano]

You don’t know anything about brands then huh. She is a brand. Because that’s a job

[@Matt-xc6sp]

“My Brand” “Oh F***”

[@ProWrestlingPsychology101]

The word brand should be banned in Financial Audits 😂

[@ryanb4932]

She's delusional!

[@kylesims4124]

Yeah I thought she had a business or a job while we acting/modeling in Austin... she's definitely delusional for sure lol

[@bobbytabernacle]

“Look with your special eyes”

[@amoose8439]

My braaaaaaaaaaand!

[@Not_A_Hopeless_Romantic]

I’m truly impressed by Caleb’s model pose in the thumbnail!

[@CalebHammer]

Haha thanks!

[@ivandankob7112]

he looks hammered

[@CaptainFrandy]

Lol

[@dirtyrottencromag]

Man looking sly as hell out here

[@MatthewBrisset]

Caleb Hammered​@@ivandankob7112

[@Samuel-nf3pm]

I really need to see a 6 month update. I need to know if everything went as predicted, or if she magically made a change.

[@janegarnham]

Yes

[@UntamedMann]

Remember “she’s favored” I hope she didn’t get forclosed with a 1,000 mortgage. That would be very sad

[@gundamnduke0]

her hat says "I'm toxic" in Chinese. not sure if she knows, but it's a pretty apt description

[@carlyb.8584]

😂

[@margaretqueenofscots9450]

😂😂That’s too funny

[@BubbleWrappedBear]

Lol

[@eze__95]

That’s in Japanese… not Chinese. And it actually says “I’m Curious”

[@gundamnduke0]

​​​​​@@eze__95first, that is absolutely in Chinese, Japanese just wouldn't use kanji like that. second, I double checked the video, at 47:29 the characters clearly says "我有毒”, which literally translates to "I have poison", but more aptly interprets as "I'm toxic" I was born and raised in China, I use native level Chinese on a daily basis, and I took a Japanese class in college. So please stop spreading lies and bullshit.

[@HipyoTech]

Caleb: Please don't slam the desk Also Caleb: Donkey Kongs the desk in anger 🤣

[@EtherBunny-z7k]

Howdy Hey 😊

[@ihanakaunotar2741]

😂😂😂😂

[@amandatrot92]

That’s how it is when you can afford it lol

[@dragonofparadise]

OMG she has won the real estate Lottery with a tiny mortgage and is burning it to the ground. That is just horrifying.

[@tully6648]

A tiny mortgage in Austin. My heart stopped.

[@WealthierWallets]

Right?! I'd take that amount of mortgage in a heartbeat.

[@Edie-games]

She was scare to tell him about $1000 mortgage

[@mikesanders8621]

I used the majority of my savings to pay off my father's mortgage. It wasn't a selfless act, obviously, I'm going to inherit the house. But this way he can enjoy his older years without worrying about losing his house, and I have a reliable investment.

[@N-O.]

The 15k off the car was probably a trade in worth 20k+. She's just way to naive to realize what is really happening.

[@MortenDamm]

She might have had a $10k trade in that she forgot about. No car dealer in 6/2020 gave anything away.

[@varisgupta]

@@MortenDamm Yeah honestly, super early into lockdowns was a different story cause there were lots of cars on lots and literally nobody wanted to buy a car, but after a couple of months, scarcity caused them to have a big uptick (used cards have only *recently* started coming down). Most dealerships don't pay full cash for every car that lands, so having a lot of cars that won't sell means you're paying insane interest (hence why cars stuck on lots for a long time get discounted). Low volume means low fees, and literally no incentive to rush the sales of cars, ESPECIALLY at 30% off what they paid for the trade (they'd make way more at auction)

[@camk2941]

No actually the car was half off. 😂

[@keifnoo]

🎶 The salesman that sold her the car calls her grippy 🎶

[@XavierBonapart]

Exactly ​@@varisgupta

[@Jcnfia]

“People shouldn’t be expected to work for free.” Then proceeds to say she’s paid people in $20 gas cards…… I felt every one of Caleb’s screams

[@rebvanwinkelstein2578]

...while eating out for over 300 dollar 🌈🙈

[@Jade93972]

I know right!?! I'm curious what these people were doing for her?

[@robinjohnson5218]

Honestly she has the small start up founder part down- many I have worked for had similar attitudes. No one should work for free- no-one meaning them. You do not count. You should WANT to work for free to build our FAMILY!!! F right off with that ;)!

[@Ericbomb]

Man I can't imagine what it would be like to have been given 120k equity in a home with only 1k monthly mortgage payment. If she looses that house she'll regret it for the rest of her life.

[@purplecloud2828]

I'm not sure if she can regret anything.That would mean she could think.

[@lockhart1895]

⁠@@purplecloud2828😂😂 man dont go there

[@binglebongle8601]

Yeah she should definitely tight it. She'll regret it if she looses it instead.

[@sharpshooter_Aus]

Equity is a wonderful thing, I purchased a home in 2019 for 190k spent about 30-40k on renovations now it’s appraised at 430k with the equity I’m looking at building a home.

[@BitterComments]

@@binglebongle8601Tighten*, you pedantic virgin. “Tight” is not a verb. If you’re going to correct people, do so accurately.

[@michalstelmach4203]

She believes she got a great car deal. She thinks she go 50% off the car price. Car was $15k but she will pay $25k with interest. Dealers love delusional people.

[@CB018332]

Something's not right with that $15k number, though. You'll be hard pressed to find a 2020 Optima for $15k *right now* let alone when it was a brand new model.

[@michalstelmach4203]

@CB018332 It might be rebuilt title or something else with the car that dropped it’s value so much

[@THEFALLENF0E]

2020 kias had a faulty engine when the were made, my friend had to get his fully rebuild, would say kia new and palmed off all of them asap lol

[@workingtools2999]

​@@CB018332She Lying. Can't be Brand new coz she mentioned some old guy bought it and didn't like it. Plus, on the year 2020, car prices around that time was already starting to skyrocket because of "Chip shortage" so there's no way its a Brand New car for 15K. Doesn't add up.

[@tinypeanuts]

Plus she said she has liability only while the car is still financed. Why is she lying???

[@viaevon]

this channel has really shifted my money mindset. i’ve realized how many wants i’ve put before my financial needs. i’ve recently paid off my credit card and one of my student loans. it’s a very liberating experience, i didn’t realize how heavy those debts weighed on my shoulders until i started doing something about it. thank you, Caleb, my daughter won’t have to care for me out of her pocket one day. ur doing the financial lords work.

[@alauracollis6520]

Honestly the hardest part when you get behind on debt is to just start paying it off.

[@trish1344]

That’s so awesome!!! Good for you!! I’m sure you’re daughter will not only appreciate that someday, but that she will also admire your work ethic and learn financial habits from you that help her be successful!

[@kellyd9420]

she has no idea how close she is to homelessness.

[@stuff1784]

Some guy will probably “save her.”

[@maxafc4695]

Her net worth is actually positive because of the equity in the house, but if she continues this path, yeah homelessness is definitely a possibility.

[@maxafc4695]

Caleb often talks about dying on the Walmart floor, but I think he also needs to make clear to people, and perhaps do a rough calculation, that if you continue like this, you will be bankrupt and homeless in this many months/years.

[@thebathrobeinvestorrea-mcg4811]

She wants a free ride. Calls herself a model. Lol. Maybe go try OF. Lol lol lol

[@skyjoy.design]

@@tymondabrowski12funny bc we see SOO MANY women on this show as the breadwinner of their families

[@jeremiahsmith450]

Her not understanding the budget minimum he laid out was hard to watch. She doesn’t understand basic math or numbers or reality. It’s truly sad.

[@frostedbubble]

Model/ acting mentality

[@Mt-BNN]

dont worry she graduated frm a private University!!

[@coletmallory]

Don’t worry, she was born on Christmas so the world will gift her things!!

[@mollygrace3068]

She didn’t seem to understand that having a lower minimum budget was a good thing. She kept wanting to argue is was $4000. To what end? She didn’t want to work to make the money to pay for that. I think she’s just getting off on complaining. I didn’t know what she wanted Caleb to do for her.

[@Fastlan3]

It was probably due to her knowing that doesn't actually cover all her "wanted" expenses. Plus she probably knows there are other expenses she didn't include.

[@punkbassandcovers]

"What stock did you invest in?" "Bitcoin" 🤦‍♂️

[@edwarde9024]

Bitcoin is a stable asset

[@Darkstalker212]

​@@edwarde9024 You ain't going to make any money on Bitcoin. Infact, you're going to lose money and will be stuck with a worthless account 😅

[@NickyBlue99]

Bitcoin is an index fund

[@tehdz]

She probably wish she did, instead she bought meme coins.

[@WumbologyPHD]

S&P Bitcoin

[@slctrev]

Being late on your mortgage and going to the carwash is some unhinged behavior lol.

[@jvall5879]

This girl 100% deserves to be shamed for missing those mortgage payments. I agree with Caleb that’s the worst fucking thing I’ve seen on this show.

[@rebeccalahti9468]

Agreed that mortgage payment is cheaper than my rent

[@jeremyf6821]

I’m split if the missed mortgage payment is worse, or the 20k small business loan.

[@RJWaynerium]

​@@jeremyf6821I'm going to say mortgage....you just get evicted, with a business you can start over

[@jvall5879]

@@jeremyf6821 the business loan was simply delusional but missing the mortgage payments is disrespecting her dead mother imo

[@BallAintLife123]

@@jvall5879yes!! This is the part

[@koreancardboard]

Couldn't believe she questioned Caleb, summarizing, "Do you know what it's like paying employees?"

[@sherriebreese1596]

😆🤣😆🤣😆

[@nainafavs]

hahahaaa... boy that was sooooo comical..🤣🤣 and then she topped it off with AUDACITY saying "I like to show appreciation towards my employees with $20 gas card"... fking wonderland level delulu.

[@beth3535]

Her arrogance is beyond words. At least on this planet.

[@mrlank]

$1000 a month mortgage and she’s behind. Anyone entering the workforce would KILL for that, and she says she’s not squandering it

[@austinjacobsen7689]

That's incredible lol. And she is late on it .. lmao

[@ElinWinblad]

@@austinjacobsen7689not big city but my mortgage is 350~ 😅 560 with insurance and property taxes

[@faiths5338]

And the APR too! Anyone looking to buy right now would also kill for that

[@SuperFang1]

​@@ElinWinblad Where at lucky?

[@kylesims4124]

In Austin Texas too... everything is crazy expensive in Austin...

[@jwcarlson]

She 100% bought a used car while looking at the original window sticker price and thinking she was "favored". These people walk among us.

[@imanoldurango8213]

She bought a 2020 in 2020. That means the car had been out for a year already. Not to mention it had a previous owner and she knew that.

[@juliachiara2297]

Recently heard regarding entrepreneurship… until your business (or brand) supports your entire life, you don’t have a career - you have a side gig to your day job.

[@kara8911]

I wish people would actually listen to that.

[@wsol80]

People just refuse to say they are unemployed.

[@devinward461]

​@@wsol80exactly

[@Junevalentino]

You’re cute

[@tevarisyoung5800]

I can almost GUARANTEE, that she will not change any of her habits. She lied about smoking, and then proceeded to say it was for stress🤦🏽‍♂️

[@mooimafish5165]

She said she doesn’t smoke cigarettes but didn’t want to say she smokes weed on the internet. I’ve been clean for a month now and although it sounds like a small amount of time it’s a hell of a habit to leave. If only she got clean she would realize how much money she would be saving!!!

[@bulldozer8950]

@@mooimafish5165also I think it’s still illegal in Texas.

[@mooimafish5165]

@@bulldozer8950 oh it definitely is

[@ingridnl536]

​@@mooimafish5165congrats on your first month! I'm on the same journey, 16months now. Keep strong, we got this

[@CSpottsGaming]

​@@mooimafish5165This has to be it tbh. Nothing you can smoke is $3 in a smoke shop, she's going there to get blunt wraps or papers.

[@danielherbowy9091]

As someone living with two roommates in Austin paying 2400 a month for a regular house, it makes my blood boil that someone could piss away such a fantastic housing opportunity in Round Rock for ONLY 1K A MONTH. if I had such a good deal I would scoop shit with my bare hands to make sure I could cover it each month. She is absolutely undeserving

[@rangequeen]

Facts

[@barnabusdoyle4930]

She’s clearly incredibly immature in every aspect. She destroyed her career when she left and didn’t work for 4 years. Nothing will hire her with that move in her past. It’s painful to see this because of how many people would be responsible with these gifts she was given that she just lit on fire. I also know a ton of people who are exactly like her.

[@TheIronChainMaster]

Y'all should buy her out of her mortgage

[@staceyy6064]

​@TheIronChainMaster That's what I was thinking listening to this. I bet she'd sell dirt cheap, if it was easy cash for her.

[@rosewilliams3105]

She's going to end up losing her house and her car. Yikes!

[@xx0chrissy]

This show really opened my eyes to how much all those small purchases made. I used to get little things on a whim and now I have a mini Caleb in my head going "really? REALLY?" and I immediately lose the desire hahaha

[@vwkitty]

I’m a recovering shopaholic, now Caleb is constantly whispering in my ear, “It’s not a need, it’s a want!”

[@vanessadb1099]

Same sis same 😂😂😂😂

[@kaylynhamilton1000]

Me too! This YT channel is the gift that keeps on giving!

[@gogovideo10]

Lord, grant me the confidence this woman has, to be as bold as to make a statement like "I do eat healthy and I love to cook" while we're all looking at her bank statement showing she's eating Chick-Fil-A for every meal.

[@qthatrucker7310]

And McDonald’s

[@Cat-wt4dh]

That's not confidence. That's delusion lol.

[@alyssaengel-swift9269]

"Do you know what it takes to uphold a brand?" To Caleb who literally has a successful business. Im so tired of everyone who has any delusional aspiration calling themselves a "brand." All these people make me wonder if im the crazy person. Surely we do not all live in the same world.

[@camk2941]

It takes a lot! It doesn't happen over night

[@LunarLocust]

​@camk2941 "it doesn't happen" Ftfy

[@megaroo1983]

I yelled at my screen when this happened

[@NickyBlue99]

​@@megaroo1983 I threw my phone at the wall when she said that. She owes me a new phone.

[@turtleanton6539]

😊

[@sepsmusic]

It's the talking in circles that kills me. I've had similar conversations with family members that just won't accept that their situation is a direct outcome of THEIR actions.

[@cami5173]

Yeah those family members don’t get phone calls anymore.

[@jamie6387]

Accountability goes a long way in life. So many people would benefit if they just held themselves accountable. Most people aren't honest with themselves

[@JoshFKDigital]

Bruuuh, having a 100K house is an absolute dream... In Australia my partner and I are looking at buying a house on 175K of income total, and the houses are average 600K minimum on 5.5-6.5% interest 😭

[@elenaaxo94]

I would die for an $1000 mortgage a month. But let’s imagine splitting $1000 with somebody? 🤯🤯 And then on top of that not paying. 🤯 That’s just STRAIGHT UP negligence. 🤯🤯

[@leolewanay]

what exactly is a mortgage ? I'm not from the US, I struggle to understand the gravity of her situation in that regards... ^^'

[@MollyLucyMaryJ]

​@@leolewanaymortgage is just another word for a loan. And there is no gravity to her situation she's just dumb.

[@Cubbius]

​@@leolewanay home loan

[@rebeccashields9626]

@@leolewanayit’s the monthly payment for the bank loan you take out to buy a house. Most houses in the US are too expensive to pay cash for so you pay a certain percentage down and then get a loan for the amount of the majority of the house. The payment is based off of the interest rate and the purchase amount. If you don’t pay the mortgage you will go into foreclosure and the bank will seize the house. $1k a month is very low which means the loan was taken out at a time when interest rates were significantly lower than they are now, and if you took out a new loan or went to rent you would not find equivalent housing for $1k.

[@leolewanay]

@@rebeccashields9626 Thank you very much for the very clear response ! :)

[@esued86]

This is a good example of what's going to happen to the "actors" and "models" who come on your show in their 20s, once they reach their mid 30s.

[@regularity2556]

Content creators, life coaches, entrepreneurs, etc etc

[@awdrifter3394]

At least that life coach was making money.

[@2Namia]

​@@awdrifter3394😂

[@DTreatz]

They don't call them _starving artists_ for no reason.

[@Redrice59]

@@DTreatzthey are quite literally starving for both food AND work!🤣🤣

[@dancingoctopus9888]

I swear this eat, pray, love mindset is a disease. I get it. You worked corporate, probably not passionate about it. Lost a loved one, needed to grieve and process. But what you actually did is allow rot and mold into your life. Mental break downs and journeys to find yourself are only available to the wealthy or those willing to live on absolutely nothing. You are neither of those. You are blessed and will squander those blessings because you dont recognize them. The house, even this conversation with Caleb. You cant even take responsibility.

[@Mr_NB628]

Someone needs to tell her that being delinquent on one payment for a car is enough for them to come take it if they really want to. Not paying a car bill is a huge fucking deal.

[@erikal9594]

She’s “favored” what does she care? It always shocks me to see people kissing car payments and being past due. Why risk something like that? During the pandemic I called and got a payment delay so I never went past due. It’s not hard to tell loaners you’re struggling and get more time to do it. Just immature.

[@LogDotZip071]

I remember I had a really good friend who hadn’t seen her dad in years, they had a bit of a strained relationship. Her dad invited her to his home in Atlanta (we’re in the Midwest) and she was very excited. Taking a bunch of pictures of ATL and so happy that her dad is being present in her life. Dad even gave her a nice shiny BMW. SUV type car. Looked like something a rich soccer mom would drive. She drove the car back to Kansas City, elated at her dad’s kindness. Within a month the car was repo’d out of her boyfriend’s driveway. He must have ran out of money to pay, and manipulatively decided “eh I’ll pawn it off on my daughter. Worst case it’s repossessed anyways, best case my daughter believes im very generous.” Don’t know how long he missed payments for. But they seriously had that car for ~3 weeks before it disappeared out of the driveway.

[@Sam_lee13]

At least it will be nice and clean when they come repo it since she goes to the car wash. 😭😂

[@Mr_NB628]

@@LogDotZip071 that’s f’ed up

[@Fuhleash]

I know someone who says the same bs... "Why would I work a week for $100 when I can make $100 in a day doing something else." BECAUSE YOU ARE CURRENTLY NOT MAKING $100 A DAY DOING THE OTHER THING... YOU ARE MAKING $0

[@heartsandpulseras]

Right?! And what job is paying $100/week? Even if they were only working 20hrs/week, that's only $5/hr? 😂 Makes no sense!

[@levintaydebrownson4968]

I make 100 dollars a week working 1 hour at 100 an hour. I am barely surviving but I can’t find anywhere that will match my hourly pay and I won’t take a pay cut.

[@jamiecroweiii80]

$100/day isn't shit

[@levintaydebrownson4968]

@@jamiecroweiii80 it’s $100 more a day than she usually makes

[@nubreed13]

Hell a minimum wage job in Austin would pay more than what she is allegedly making now.

[@texasgirl5787]

I don’t understand how people can get up on here and LIE to someone who is literally looking at every line of your spending habits

[@JBrodo]

The smoke shop part was like ???? It is right in front of him!

[@elhombreloco3680]

It's pretty easy if you're also lying to yourself ;)

[@chriscrawl3732]

Drug addicts aren't known for their strong moral character.

[@N-O.]

I'm blown away this girl graduated college. Obviously liberty is a crap school full of bird courses.

[@Teaorwine]

It's been ran by the Falwell's so yeah, Its a toxic "Christian" money maker.

[@joe_bags]

I'm sorry she lost her mother, but I think she was left a nest egg of money on top of the house left to her and her sister. She coasted on that nest egg and gambled on crypto and here we are -- Not wanting to get back to work.

[@CSpottsGaming]

I'm with you. Based on her spending I don't think this was a sudden change, which it would need to be if she had built up those savings herself. I think she came into some money, stopped working while burning through it, then couldn't stop spending when it ran out.

[@Yt-user65000]

Pandemic money ran out…

[@spartan662501]

Yeah, I am definitely getting the vibe that she gambled with the money in the hope of never having to work, and she lost. I would not hire her. I would not trust her to put in the work necessary to make her a valuable asset

[@johnh8705]

Yup! She blew all of the money and now she's broke

[@jlennon143]

Whoever didn't bleep out Caleb at 35:35 really made his point hit so much harder.

[@DDEHoodStarz]

It hit hard!

[@pcpxbotendorastermace9948]

I wonder if they did that under 35 35 for a reason...

[@kimbertree]

Yes!!

[@tomahawk014]

PG13!

[@stephaniebush1801]

I was going to say maybe they didn’t catch it but it 100% hit

[@Jo.mo.jo.]

Caleb, invest some liquid assets in your plants and water them, please.

[@Erandy_]

Fiddle leaf plants are extremely difficult to take care of 😭

[@thestillroombotanicals2932]

They need sunlight ☀️

[@JBrodo]

LOL

[@Riona146]

I LOVE stocking and fast food service jobs 😭😭 being nice to people and giving them good, fast food brings me such joy, but it unfortunately lacks any benefits still. It’s wild to me that we as a country can’t see that if we just provided benefits for these jobs, people would choose them for careers. I LOVE racing my previous case count when I’m stocking overnight, I used to stock 80-100 cases an hour. It was so fun 😭 I miss it so much, but I am now at a job where I accrue PTO and have decent benefits, a 401k, etc. Can’t beat that, so it’s time to get some data analysts certs 😭

[@tomsmall1244]

The triple threat…excuses, denial, and seeking approval for trying. I remember being there. I hope this helped her and she achieves great success and gets to do what she wants to do.

[@Sadreath]

I hate to break it to you but I would say the chances this helper her are close to 0.

[@NickyBlue99]

​@@Sadreath It won't helper her

[@camk2941]

Whew the people that judge and have no idea what's actually going in is crazy.. thank you @tomsmall1244. I WILL be successful. One bad year doesn't break me

[@akatobi2002]

"seeking approval for trying" real

[@RangodoRafa]

We usually see this behavior from people 10 years younger on this show

[@DCBoo95]

One thing I learned about watching all these financial audits is that the people who claim to have all these jobs & “entrepreneur” b.s are the ones who are in most debt. They claim to be on that “grinding” “hustling” mentality but they’re just ignorant& prideful. A lot of people lack taking responsibility of their actions.

[@louisah6020]

also, "entrepreneur" is another way of saying I don't want to work...

[@vnhilaire6801]

I’m starting to think “Entrepreneur” is another way to say scammer 😮

[@FumetsuGolf]

People say entrepreneur when broke so they don't have to say unemployed.

[@Angela-ne9cy]

This woman is the worst hypocrite I've ever seen on the show!! She won't work for free but expects other to. She "eats healthy" but has a string of fast food charges. She is "favored" but every blessing she's been given is squandered. I think she deserves every consequence coming to her.

[@loveblue2]

As soon as someone answers "favored" and/or "blessed" to my simple "...how are you?" question, my radar goes up. Those answers are code for "...I'm broke as hell and I will screw you out of every dollar I can get from you if you let me."

[@JessicaHicks]

She should become a voiceover artist. She could make some decent money.

[@U2BearCat]

I never understand these folks who quit their jobs to be creative entrepreneurs without a business plan and financials to support themselves for a year or two while they are getting off the ground.

[@sagetusk]

Same man. Currently working nights in warehouse while I try to launch into freelance graphic design in my free time, but I wouldn't dream of dropping my only stable source income for a dream. Graphics software is hella $ for starters

[@alexshaw8167]

In this case, it sounds like she was needing to take significant time away to be with family and to take care of family affairs with her mother’s illness and passing. She chose to leave her job to grieve and take care of stuff, and then once she was out she chose to pursue something that brought her joy. It doesn’t really make *sense* but I absolutely understand the choices she made.

[@U2BearCat]

​@@alexshaw8167 Been there still no excuse to be an irresponsible twit.

[@TJrules299]

@@U2BearCatyou clearly have decided however you process grief is the same as others. EXPERTS - people who are trained with grief - would disagree with you on how ppl act. But let’s pretend that you are the expert. Worse ppl on the planet are ppl who experience grief and think it gives them the right to s**t on other ppl.

[@patchopossum9414]

I did it in 2019 because my job was killing me mentally and the quick math of "costume sale price - material cost = profit" meant I made twice as much hourly doing the thing I loved. In reality it's not that simple and the grind will wear you down, despite what the entrepreneur side of the internet wants you to believe. It went south and now I'm working to fix it. First step was getting over that "my time is worth blahblah an hour and I could never work for less!" and I got a job as a school janitor. Pays more than pizza management did, people leave me alone, not much responsibility. Sure if I could make art at max productivity every single day, I could make way more. But that's not how life works. If I am having a bad day with my productivity and time management at my current job, I still get paid the same rate.

[@M4ladict]

She acts like an actual child. At 34. Wow.

[@MimiRAM0NE]

She's blessed.

[@MattCasters]

"Blessed" is slang for being a beautiful woman with men giving her attention, paying her dinners, helping her out.

[@liajay5448]

@@MattCastersblessed is a reference to blessed and highly favored. Meaning “she doesn’t chase, she attracts” in New Age Spirituality. If she was blessed in that way, she wouldn’t be behind on basically everything😂😂

[@MattCasters]

@@liajay5448 I stand corrected.

[@haute03]

34 going on 14.

[@JGComments]

Proof that “entrepreneur” is not a word that confers wealth or status. Most small business owners make less than $50K a year.

[@joycef8443]

She was hammering something about business deductions…honey, you have to make money first. She REALLY needs to get a job, any job!

[@adamseidel9780]

At some point in the last decade “entrepreneur” went from meaning serious working small business owners who usually had at least a bit of success or prospects. Occasionally it was used by somebody who was just lazy, but that wasn’t the norm. Something in Internet culture made it a catch phrase for anybody and everybody who just wouldn’t get a job or was delusional.

[@LunarLocust]

​@adamseidel9780 they realized that it sounds more professional than "SoundCloud rapper."

[@JGComments]

@@adamseidel9780 Right? It used to mean you had started several businesses that were still actually making money.

[@SixthSenseSynesthete]

People think being an "entrepreneur" is just telling people you're an entrepreneur and then waking up one day with $10M

[@LoneLoboX88]

Anytime someone describes themselves as an entrepreneur, I ask them to spell that word.

[@maraisunsure]

When did people start becoming so chill about being unemployed? - Being an adult requires working..😒

[@NickyBlue99]

People have become decadent, nilistic, and want to "live in the moment."

[@alician4931]

Right? This is baffling to me. If I were unemployed, I would be so terrified I probably wouldn't be able to sleep until I got a job lined up.

[@shannonsampson3267]

During Covid, just like she said.

[@rebeccashields9626]

Yeah I don’t get it. I never had this luxury. My parents are very supportive but I would have been out the door on my butt by the end of the month if I hadn’t been going to school and working as quickly as possible and as much as possible. How are these people not homeless and starving? I don’t understand!!

[@frozenheart7133]

I'm pretty sure it was when "influencer" became a job of its own.

[@Goatifi2021]

Love the thumbnail Caleb looks like a model

[@Dhare-o3w]

So Balenciaga

[@LBell]

AI

[@siomaras161]

hes mewing

[@allye9865]

Omg yes its fabulous

[@CalebHammer]

I’m pretty

[@garthbass5327]

when she asked what bitcoin was my heart sunk, after she just told us she invested in "crypto"... my god

[@ramblingmillennial1560]

Trying to give her the benefit of the doubt here. Maybe she invested in some stocks that track crypto which might've confused her. If not, yikes.

[@aduheartlol]

Idk man. Everyone knows Bitcoin as the most (in)famous form of cryptocurrency 😬

[@jaketorpepper-king3930]

she tried to play the psychology game of stocks lol

[@D34DxChevy]

“How old do i look?” Tryna get that validation anywhere

[@Ccody47]

I've never seen someone struggle so hard to understand what "minimum monthly bills" means, holy hell

[@choreomaniac]

Yea. At 55 she literally could not understand what they had been doing. He added up all her expenses line by line from info he got directly from her and then she didn’t believe that she could survive on that amount of money. Then she even asked if that included mortgage, car etc when they had JUST done that.

[@BeeTimesTwo]

Scary place to start with personal finances 😩

[@Ccody47]

@@choreomaniac Yea that blew my mind when she listed off her stuff for a second and third time. Almost like her brain refused to accept that her minimum expenses were so little, based on the fact she guess 4k even after adding it up, yet still in a really bad spot financially.

[@noteddesign6693]

Caleb needs to communicate that a temporary job to dig out is not your identity. We see all the time people wont do something because they feel it its below them..

[@rhorantyko7796]

Yep. The one thing I would add (which is probably an unpopular opinion) is that a lot of "minimum" (not literally) wage jobs are by design not worth your time. I think people (myself included) straddle the line between feeling this as righteousness vs aspiration.

[@xqr_]

yeah it’s crazy and what is behind this idealism of I’m only this or that in relation to a job title. It’s as if people have lost the ability to plan and set goals. 😢

[@pocketoniofficial]

It's not even an identity issue, it's a discomfort issue. People don't like to handle hardship.

[@realitysucks11]

caleb is the gordon ramsay of finance, i love it.

[@FinallyFound-r2l]

She could live like the families in the 1960s and 70s did. She could get a minimum wage job at a grocery store and support herself for life. But instead she wants to think she's better than that and try to make it as a model. Absolutely delusional. I have a feeling she's not going to gather any work ethic until it all falls out from under her.

[@nubreed13]

Or go back into tech since she already has experience.

[@mollygrace3068]

If you believe you’re favored, isn’t it a dishonor to God to squander the gifts you’ve been given? A house with a $1000 mortgage, a $30k car bought for $15k, and you’re going to lose them both? How many more gifts do you expect to receive without showing appreciation for what you’ve gotten?

[@dchen2140]

She was right about one thing, she is favored as an individual. My condolences to her mom, but God still provided her a house at an amazing mortgage I'm assuming (I'm from CA so I don't know, everyone's mortgage sounds amazing to me). She seems to have been very fortunate surviving up to this point with all the debt and failures she caused on herself, but I hope she can turn it around.

[@NevartRennug]

Don't forget the grandfathered phone plan of 30$ of a month. As a Canadian I winced

[@voltage7358]

@@NevartRennugthis is absolute facts, I pay $150 for 2 phones with 100 gbs of data. I had unlimited for $65 in UK and it was bliss.

[@kimvachon8053]

Beautifully said

[@niebieskimotyl3308]

​@@voltage7358 I have 180 GB of data for around 6 pounds in Poland.

[@harrydoyle2304]

An hour in, and I still don’t know what the “business” or “brand” is or does. It seems people are now obsessed with being an “entrepreneur”, even at the expense of a livable income. It’s a pretentious term that sparingly gets used by credible business owners. - Business owner

[@SixthSenseSynesthete]

Facts. What kills me is when people quit a real job (even if it's crappy) to be an entrepreneur before they even have a legit business idea. Most of the time it's just some social media bullshit and not a real business anyway.

[@hahamasala]

They're deluded by Instagrammers pretending they get rich easily and at a young age.

[@andrerodriguez6464]

​@@hahamasala exactly this, she even said she was going to be a millionaire with crypto, I'm 100% sure she saw a TikTok/reel with a dude in a rented Lambo saying he got rich with crypto

[@jangucreates]

" i am a hard worker, i dont mind getting my hands dirty" yet refuses to work

[@AnsonRobbins_Bodybuilding]

The definition of “I’ve never had to work a day in my life” type of attitude.

[@defenstrator4660]

It’s interesting watching him slowly melt down as he realizes that he is dealing with someone who doesn’t understand basic arithmetic and lies about what she does while taking zero responsibility for what her actions.

[@jetaddict420]

You mean the average woman

[@djihenearafa8414]

​@@jetaddict420 what kinda of women are you surrounded with if you think this is typical behavior...

[@kaci111128]

When she said "I'm favored" I knew what she meant, but Caleb saying "What the F does that mean!!?" Sent me 😂

[@MPPG663]

😂😂😂

[@johnh8705]

😂 we're getting to how she's been living and who talked her into those "investments."

[@willrea9]

What does it actually mean?

[@Babieh2008]

@@willrea9she meant favored by god

[@joelwillems4081]

​@@Babieh2008Pretty sure she meant star sign

[@Essential312]

I LOVE that Caleb doesn’t give a damn about the stars and zodiacs and spiritual stuff. 😂😂

[@Drews_5oh]

“I’m rich at heart” really got to me

[@AceRanger20]

As an ex loan officer, the missed mortgage payment absolutely triggered me. Her mortgage payment is just over half of what mine is and it’s worth significantly more than my place. It’s mind blowing that she is risking such a huge equity position that could bankroll so much of her life and her “business” if she were to sell it. As to why it triggered me, mortgages are such a big investment people make. If someone can’t make all of their debt payments, they WILL make their mortgage payment. They may be past due on their car, student loans, or credit cards, but missed mortgage payments are one of the best indicators for finances being thrown out the window. If they are starting to miss a mortgage payment, that’s a massive red flag of a potential bankruptcy incoming soon. I used to deny people immediately if they had 2 recent missed mortgage payments even if they had everything else paid well, it’s that terrifying of a sight for financial wellbeing.

[@NickyBlue99]

I was recently left an apartment from my mother passing last December. Luckily the mortgage is only $520/month and easily affordable. But it's the one payment I make sure is made monthly. Even tho there has only been two payments this year.

[@SixthSenseSynesthete]

The missed mortgage payment was doubly sad because her mom (after passing) was trying to set her daughters up for success but they aren't taking it seriously. Huge opportunity that could potentially be squandered, as well as all the equity that her mom had built in the home.

[@lockhart1895]

@@SixthSenseSynesthetethey ?

[@yeahnobro]

@@lockhart1895she said in the episode that it's hers and her sisters house that their mother left them

[@huymakazi1028]

Liberty University is not a joke : recently graduated and got my master in Making Instant Lemonade with Finesse (M.I.L.F), I have been working since then as a Pool Boy Engineer , Laying Down the Pipes

[@drn13355]

It s a great school to go to if you want to cheat on your wife. A person can pretend they are "religious" while sleeping with multiple women.

[@Purpleavatar96]

I really thought this was going somewhere 😩💀

[@kcrooms8727]

You had me for a second😂

[@adamseidel9780]

A gif of a crowd standing at applause for you, sir

[@NickyBlue99]

🤣 🤣 🤣

[@reginayfavors]

You use the job to fund the dream. This is the most sobering video to date. Thank you.

[@Tamara-ju3lh]

Exactly. I'm a CPA because I like numbers and stuff and it pays well but my dream is traveling and creating a cozy home that brings me peace. I just got a house and just came back for Italy. I couldn't have done it without my job!

[@reginayfavors]

@@Tamara-ju3lh Amen!

[@MicMan123456789]

She should send this video to Liberty U and see if she can get a refund

[@pricklywiggles]

I'm so tired of this manifestation BS. The confidence and hope you have for a better future should be directly proportional to how much effort you put in to make it happen, including the effort to put your "dream" aside until you can afford to pursue it in a responsible way. Loved the little intermission too.