Financial Audit WORKS | Sarah Follow-Up

[@financialauditfollowups]

Go to invideo.io/i/FinancialAudit and use my code FINANCIALAUDIT50 to get twice the number of video generation credits in your first month!

[@DiaNile]

If she is working for a nonprofit and is on a repayment plan, she can get forgiveness after 10 years of payments on federal loans.

[@previously4821]

If I remember correctly, being in deferment effects with the counting of the time paid in. I think the payments have to be 10 continuous years, with no break

[@superiorstagg]

She paid off 10K worth of debt AND lost 20 lbs? This lady is killing it!

[@Loocy222]

So happy for her!!

[@WigglyCoop007]

Awesome to see! Proud of her!

[@AmbuBadger]

Both are a sign of taking responsibility, I'm glad to see her doing better! KEEP IT UP, we're cheering for you!

[@cmeds1993]

Eat less, spend less. Win win

[@jenniferbecnel439]

No kidding! Congratulations Sarah!

[@SomethingSimpler]

Since she lost 20 lbs I think that Caleb needs to have her do a Nutrition Audit on him where she'll just tear him apart. Its only fair.

[@financialauditfollowups]

🤣

[@samov1rus]

this comment needs a lot more attention and what ever kind of peer pressure caleb folds to

[@FaithHope21]

Yes!😂

[@whitehatbutterfly]

Imagine caleb being yelled at - "Mc Donald's really? do you really deserve those Tacquitos"!! I am all here to watch that! 🤣🤣

[@isntavailabllleee88744]

​@@financialauditfollowups This lady is good for the channel. Bring her back!

[@Driller10]

Posting follow ups on the days between financial audits is such a good decision.

[@financialauditfollowups]

🧠📈

[@marshallwhite3780]

But, Follow-up Fridays. Such a miss on a good theme 😑

[@jakenbake_0.0]

Caleb, You know what they say about big brains? ⬆️ Big ASSETS. 😂

[@28cthedestroyer]

Lol how else would he do them 😂😂😂

[@SpencerCookertin]

Totally agree🎉

[@marmaladedtoast]

Hi Everyone! This is Sarah! Thank you so much for all the kind words, they really mean a lot 🥰 I did want to clarify a little bit- I did /not/ spend 5k on a singular tie rod. This last year my tire exploded (I was parked, thank god) the left tie rod broke while I was out and I needed to get a tow truck plus the replacement, I went to get it checked over and they said the right tie rod was also about to go (this could have been a fib, I am unsure) so I replaced that, then my car started making a weird wub-wub noise when I reached higher speeds. So I took it into tires plus asking about the breaks, because a trusted car person (ok, ok, my dad lol) said it sounded like a brake issue. so they looked at it and said the brakes looked ok, but I needed 2 new tires (because the year before I had also replaced 1 tired because it shredded. Don't drive on a flat, y'all. Bad idea lol) and there were some tubes and such that were going to need replaced soon, so I was like 'do it. Whatever is there, just fix it.' But then I went home and THE WUBS WERE BACK!! so I took it into the dealership where I bought it (since I was home) and it TURNS OUT that my right break was, like, locking, so it was trying to break while I was on the interstate 🙃 so then I had to ACTUALLY FIX THE PROBLEM! So, yeah, I won't be going back to tires plus. It was an expensive lesson to learn, but not one I will repeat. As a side note, what is cash stuffing? lol, I officially feel old😆

[@BoredomSetsIn]

What an inspiration you are. I watched your original episode and could see how upset you were at the prospect of a second job. The fact you found a side hustle in something you love is really inspiring. People are asking about your cash stuffing because you said you’re taking the cash out of the ATM machine. Cash stuffing is where you divide that cash in your hand divide it across your expenses. People are interested in how you’ve made that work for you. Its also called the envelope system. It sounds like its worked brilliantly for you in staying on track. Congratulations on all the progress you made. 🎉

[@marmaladedtoast]

@@BoredomSetsIn Ah, thank you! If it was just me putting money into my envelopes that would be a really quick video lol, I only have the 2 categories that I pull in cash 😅

[@g4933]

Well done Sarah 🥳🥳🥳

[@marmaladedtoast]

@@g4933 ☺🥰

[@PandoraBear357]

You're doing great, keep it up😊. It's really nice to see an update with Caleb where someone actually put in the work instead of the sad updates where they're worse off.

[@DevynnEBMusic]

I’m impressed. She even came prepared with notes in her notebook. How refreshing!

[@financialauditfollowups]

Sarah doesnt mess around

[@LoriBeehler]

⁠Caleb needs to marry this fine Midwest woman, just saying

[@LiamRichie825]

@@LoriBeehlerI ship it

[@CSpottsGaming]

I use a physical notebook as well and I absolutely love it. Notes on the phone are good for some things (like a grocery list) but many people retain things better when they handwrite notes. I use mine for work stuff and it's awesome!

[@terryhenderson424]

​​@@financialauditfollowupsYou need to do another follow up in a year. Ask her to come with her budget with actuals and ideally a bit of an expense tracker. By then either her car will have blown up or she should be in the dulldrums of being in the middle paying off large debts.

[@giantpune]

This lady is killing it. Off the top of my head, she's the most successful followup we've seen on here.

[@dsmbilly3690]

I agree, she is doing great!🎉

[@duhastkeinhertz]

I was thinking the same thing!! Great example of how Caleb's financial plans do work if followed!

[@raes3369]

I feel like she was someone who actually came in looking to change and looking for a plan! Big congrats to her!!

[@Revert2017]

The single- mother nurse was the last one that really killed it. Caleb was on a diet and didn’t give her the recognition she deserved. This time he is seeing it!

[@arjaykwong7259]

Losing 20 lbs was the icing to the cake. Not only is she in a better position financially, she is also healthier! This update is so nice

[@ed_iz_ed]

They tend to go hand in hand. Bad eating habits are heavily correlated to bad spending habits. She's doing fantastic.

[@rachel3620]

More like carrot on the salad, amirite? 😂

[@dillonamick2524]

Big fan of the split screen view! I like seeing their immediate reactions to what Caleb is saying

[@financialauditfollowups]

Thanks! -Mika

[@schuylergeery-zink1923]

I understand making inflammatory thumbnails in the OG episodes to draw attention and bc wow some of them are that egregious but this is also mature and lovely looking as a professional Millennial viewer. Idk maybe my lawyer sensibilities but I like the nice thumbnails for follow up like this - smiling and vibrant and hopeful. We need more of that in the world ✨

[@bradhaines3142]

@@schuylergeery-zink1923 the meme thumbnails are so funny though

[@oliviagail3599]

when she got out the book, I knew she had it together! Go girl!

[@giantpune]

Just having a book doesn't mean that, though. We've seen a couple dumpster fires bring out their little budgeting books. And I think recently they had the lady who kept referencing her book, but it was nowhere to be seen. :D

[@ethandowler4669]

Wow, you can see the joy in her face. She looks so peaceful knowing her cards are paid off every month, and she's building so much confidence by taking control of her money!

[@jamesanderson6812]

Good point about the confidence. You can’t underestimate that !!! It affects everything in your life ❤

[@Declare5493]

shes losing weight, paid off debt, and got a side hussle? This chick is fkin killing it. Keep that up truly inspirational.

[@HiFiWiDie]

She deserves a golden taquito as a reward for doing so well

[@jwg9338]

Caleb... DOOOOO IT

[@saramartin8167]

Caleb you need some sort of bell on the wall or “golden” buzzer for success stories.🎉

[@samanthafreeman4315]

They get plaques of success!

[@TheBajamin]

Golden Gong a picture on the wall!

[@245bryce]

Or a graduation certificate for financial audit 😂

[@kaydublin5164]

👍🏻

[@giantpune]

He needs a golden taquito award.

[@pillow612]

Such a relief after watching all the previous follow ups, if you’re reading this ma’am, congratulations, you will retire lavishly

[@AnalyticalMenace]

I sincerely hope every former guest sees this follow-up episode at some point. Let this be a testament that credit card people DO exist AND...it's totally possible to reverse bad debt and habits if you put your mind to it. To Sarah - Way to represent!✊🏽

[@chaudx]

One of the really weird things about credit cards in the US, at least for me, is the "I pay the minimums" mentality...like we here NEVER pay minimums, always full amount each month. Minimuns are something that is really avoided, only as a last resort because something really weird happened and it becomes top priority to pay it next month.

[@roselightz_3027]

​@@chaudxright, my parents told me to get a Credit card for my gap year abroad and I wouldn't even know how to switch to not paying off the full amount every month😅 It was never in question. I still only use it for travel and for the rare occasion where an online website I need/want to order from only accepts credit cards.

[@Brittalbarron]

Sarah came in with book in hand, notes taken, 10k paid off, 20 lbs lost!!!! WIN!!!

[@morgansjournal]

I needed this after seeing the most recent audit, a breath of fresh air lol

[@financialauditfollowups]

🤣

[@samanthafreeman4315]

I agree. Its getting sad all these delusional people with their finances.

[@boboscousin]

She looks glowing 😄 so happy to hear things have gotten better

[@christinewallace9251]

Yes!!

[@ChaimS]

This is the first time in a while that I've disagreed with your Hammer score. Specifically with the emergency fund, she diligently built it up again and again, it's not her fault that emergencies happened. She should get credit for all the money she put into it, and not penalized for emergencies that require withdrawals. If it was wasted, sure, but not for legitimate car experiences.

[@rachel3620]

Very true! It's not about the balance but about the fact that she's using it properly and successfully!

[@mayahdoss7050]

I think this is the first SERIOUS success story! Couldn't have happened with a nicer gal. Bravo sis!! 🎉👏🏻🎉👏🏻🎉

[@sweetiepie06142]

I had $160000 in student loans and I’m down to $43000. She can definitely do this! Keep up the good work!

[@XFizzlepop-Berrytwist]

160k? Dang… please tell me you are a Doctor or Lawyer. Haha

[@sweetiepie06142]

@@XFizzlepop-BerrytwistNo I was just a really stupid young person who didn’t know how interest worked.

[@Justanotherbozo-onthebus]

She has a book and she brought the book and she was able to reference the book - heck yeah!!

[@sadieb3033]

I thought she was going to cry when Caleb said he was proud. You go girl! You're KILLIN IT!!

[@KimberlyBeitzAuthor]

I think Sarah would be a great person to start a Cash-Stuffing KZbin channel, especially since she says it helps her keep in track! The community is wonderful and supportive, and it could open up another side-hustle income for her to keep going towards her goals!

[@g4933]

yeah she seems like she's got a great personality for it too 😀

[@KimberlyBeitzAuthor]

@@g4933 I think so too! She just needs her phone to get started, and I'd follow her so that I can watch her grow and achieve!

[@hayleyocallaghan5399]

Agreed! She's also got a sweet personality which I think would suit that kind of content

[@Dr.ZoidbergPhD]

I appreciate that the following up thumbnails aren't crazy as hell, just a normal picture of both

[@Keyboard6304]

After watching a financial audit episode, I lose hope in humanity. After watching a follow up episode like this restores my hope.

[@ronaldkincaid9972]

Caleb should count his blessings. We haven't seen a money isn't a real guest in a while. Gonna love when someone like that reappears for a follow up or audit

[@chengzhengjeong]

Money is real, but money isn't money anymore.

[@ronaldkincaid9972]

@chengzhengjeong its just funny because i understand what they mean. But at the same time im making choices so money has a drastically smaller meaning in my life ie making more and owing less but the ppl that say money isnt real are the ones living off of credit cards and blaming everything else on their situation

[@Narfusala]

@@ronaldkincaid9972 I have multiple friends with 500K mortages, loans to pay for the kitchen/bathroom/garden, leasing cars. One guy "owns" a company but all his cars on are bought with loans, and his warehouse is under a mortage... yet they all enjoy vacations, spending money on stupid shit like collectors watches, lorcana and magic card games. Meanwhile i have 0 debt, 50K's in the bank, but the bank says i dont even qualify for a mortgage for a average priced house cause my income is so "low" (top 30 percentile of income in my country though)... i think that is what people mean when they say money isn't real. You can live the best live without ever having a dime, and can work your entire life and save, yet still not afford any luxury :P Anecdotal, but there is a truth behind "make money with money"... like donald trumps "small loan of a million dollars" shtick.

[@dancingoctopus9888]

She was BEAMING when Caleb was complimenting her. And she deserves it! I love when people make progress and feel seen in that progress. This is what its about!

[@sagesloane]

the production glow up is such a flex

[@schuylergeery-zink1923]

Yes! ✨

[@AV-wn7xz]

If you're reading this Sarah, we're proud of you. Keep it up!

[@PCTLadyPuterTutor]

Caleb, as a retired college teacher, I know how satisfying it must be to see that someone has actually LISTENED to you and improved their financial situation, all thanks to your advice. Great job Sarah! And great job Caleb!

[@Noellep]

As a current college professor, I agree!

[@rjechols2059]

SO proud of her!!! 🎉 As a mechanic on the side i’d love to know how she spent 5000 on that pos for “a broken tie rod”. That’s a 50 dollar part. I wish you guys could hire me as an automotive repair consultant 😂

[@Draggonny]

My husband is an accountant so every year when we book our MOT (annual car safety check) we check the valuation of the car. We then pick a number less than the value and if the repairs cost more than that number we trade the car in and get a newer model. We don't want to end up spending more on repairs than the car is worth.

[@fwomp9401]

To be fair she didn't finish her thought. She said it was 5k over the course of the year implied by saying "not all at once"

[@rjechols2059]

@@fwomp9401 yeah but like even if that involved replacing the steering rack she got screwed. I’ve seen plenty of people get sold on stuff they don’t need or vice versa not sold on stuff they actually need. I feel awful for people who don’t know any better and get scammed into repairs under the guise of “if you don’t fix this it’ll be dangerous”

[@snuddjr33]

I was legit searching for someone else to say this… like holy fuckkkkk

[@christinewallace9251]

She clarified that in this comment section; I think it is pinned above now.

[@jamiejackson5015]

We love to see a success story 🎉❤

[@financialauditfollowups]

Damn right

[@cupcakeordeath]

Hell yeah, Sarah!

[@LawrenceTimme]

Notice how she didn't make up bs excuses or try to justify bs spending. She just admitted her mistake when seeing family like an adult. Amazing.

[@juststradwife]

I’m so happy to see her absolutely THRIVING!!! I seriously clapped every time Caleb named off a paid off card and her retirement increase!! SO happy for you, Sarah!!!

[@carterwgtx]

Love this - it’s a realistic story about somebody getting their finances together. Other finance people make it so simple “live on nothing and pay debt” but they forget that cars break, unexpected expenses happen, sometimes you need to upgrade vehicles for reliable transportation. It’ll be a few more years for her, but this is great progress getting the ship stabilized and getting the stress level down to breathe again with a plan.

[@israelmondragon6195]

Finally a real follow up were the guest really cares about there finances

[@giantpune]

Its about time one of them got their shit together.

[@OhTrappyTrap]

10:28 the fact that she’s this upset over $15 proves to me she’s on her shit. 👏

[@BenV300]

This might be my favorite episode! Including the main show. I know it's not really up to your control, but I'd love to see more follow ups like this. I love to see people making progress. It gets kind of old seeing the same people continuing down bad financial paths or little to no progress. Can't wait to see a year from now where she is and how much more progress she's made.

[@ExoRifleman]

Congrats to her, she’s on her way to being a 10 on the hammer score

[@OneWithLogic]

GOOD FOR HER! Super happy to see a follow-up that took what you suggested to heart and made big strides toward being responsible with money. No shouty Caleb is a refreshing thing to see!

[@jamesholland1679]

Since watching financial audit my wife and I have completely turned our finances around! We each have two retirements accounts now and have combined paid off $25k in credit card debt and paid off one vehicle. We’re now working on building our emergency fund and continuing through the steps!

[@whothou]

Proud of her 💪🏾

[@financialauditfollowups]

We all are!

[@hdsensing]

Who is amazing? SHE IS!! Wow!! Your future self will appreciate the sacrifices you made.

[@TheGirlInGlasses]

She's done so well and looks glowing. She seems like such a sweetheart.

[@mightymyax5108]

Her pulling out her notebook was cute lol shows she’s prepared and engaged!! I wish her the best!

[@emilys2355]

You can tell she was excited to tell you how far she's come 🥰 I love the follow ups!

[@akirebara]

i am so proud of this woman. wow. what an achievement. girl, keep going, you'll be debtless and be financially independent really soon. im a stranger and yet i am so proud of her.

[@shannont5049]

Sarah if you’re reading this - you’re my inspiration! You are an amazing example of how to be responsible and change things around. You deserve the best and I’m glad you’re working towards that!

[@apo180]

You should have a wall of shame for failed fallow-ups and a wall of fame for people like Sarah and the few that actually work really hard for a change for the best.

[@churchofmarcus]

It might not look good if fame has 3 people on it and shame has everyone else.

[@whothou]

@@apo180 last thing you want to do is discourage people who are falling behind. Shaming them is a dumb idea.

[@j_bubblez279]

The wall of fame sounds great. It would be nice to see everyone who succeeded

[@ejkrakowiak6905]

Props to her. You can tell her attitude is way better.

[@jakenbake_0.0]

Just caught myself clapping at my lunch table lol

[@financialauditfollowups]

🤣🤣🤣

[@Jess-ky4my]

This channel inspires me like no other. I recently paid off all three of my credit cards, got life insurance and cut back on all dumb spending. Thank you Caleb and team. On the days when you dont want to film, please know that you are honestly helping so many of us live a better life by making this content.

[@mikkihayes6663]

So nice to see a normal, reasonable person with a job and relatable salary. She’s doing awesome and gives hope for those of us that ACTUALLY care and want to better our finances after financial illiteracy/ going a bit overboard on wants 😅

[@LiamRichie825]

Yay! I liked her, glad she’s back and doing well

[@anotheronlineperson]

I know as an audience we only see such a small fragment of this woman's life, but oh my goodness, I am so proud for her. She has done a great job - keep at it!!

[@LindsayViguePhotographyBristol]

It is SO great to see someone who took your advice and committed and make moves in a positive direction! 🎉

[@natebrome3089]

see caleb, we aren’t mean all the time. just for people that deserve it. congrats on her for getting it done. i hope she continues and has an amazing life and retirement

[@ranktank45]

I genuinely love seeing episodes where people are making progress!

[@YiriethM]

Very wholesome seeing Caleb smile in the thumbnail.

[@t.b.5553]

4:52 yayyyy! A follow up!!! This is so great! She’s doing really well so far 😊

[@BulletMan4]

WE. ARE. SOOO HAPPY FOR YOU!!! Congratulations, Sarah!!! 🎉🎉🎉

[@retnuh1262]

This is maybe the best follow-up ever! She's totally kicking butt!

[@pewpewTN]

Discipline in one part of you life usually leads to discipline in all parts of your life. Glad she is getting on the right track.

[@meghanconeybeare1420]

So proud of her - and I love that she’s also proud of herself. Keep it up, a great role model of how dedication pays off.

[@kayonits2]

She brought her book y'all!

[@unavoidablycanadian397]

I'm so proud of you, Sarah! Your effort and discipline is amazing 🎉🎉

[@jarrodlangford7692]

Really digging the new follow up format versus the old. Im sure its hard to get all of them in the studio but makes it much more watchable.

[@Spankmepink]

These episodes are starting to better than the normal show with the crazy people lately. CFNA never gave me issues in 5+ years, but I made all my payments as soon as I got my statement and always got no interested on repair work since it was always over $100 charges. CFNA is Firestone as she said. Quick edit about CFNA, frick them. I haven't used the card in over a year and never held a balance but paid off a Comenity\Playstation $9000 balance credit card and closed it last month because I knew I'd just rack the card back up and I JUST got an email saying that CFNA is increasing my APR to 35%.

[@Turnbasis]

This is a breath of fresh air. Love seeing Caleb happy with someone’s direction now and really hope for more positive follow-ups. Go awf Sarah 👏👏

[@jillgott6567]

I drive a 2009 Subaru and am going to be putting another $1,200.00 into it. Hoping to get 2 more years. She has done an amazing job of using Caleb's advice and having a more secure financial life.

[@Solstice-Soldier]

The video recap plus caleb reccapping the episode again in the begginning is a huge plus 💯

[@donnasalto5795]

I love to see a follow up where the person actually paid off debt!

[@nickiclarke4304]

Great job Sarah, you should be really really proud of yourself! We’re proud of you too!

[@CosmoFromSpace]

When you see that super happy thumbnail you KNOW its going to be a feel good episode

[@layladefrancis2504]

So refreshing to see someone who cares about their future.

[@citizensofthefreehold955]

I am thrilled for both this women’s wonderful progress and hard work, but also to see Caleb get a win. So many of these episodes are with folks who are seemingly resigned to their financial fate. These are the types of people who deserve the help Caleb provides!

[@ZonycOrder]

First time I'm genuinely happy watching any of your content. Glad she made so much progress.

[@justinmeyer1839]

THIS!! How refreshing to see someone not only making progress but going above and beyond.

[@Enkanel]

I have the feeling that's just the start for Sarah and she's going to impress us in a few years :)

[@EitherBendToTheTruthOrLiveALIE]

A person with some sense! How refreshing.

[@deesims3552]

Best follow-up so far. This girl is killing it. So good to see someone taking Caleb’s advice seriously and actually implementing it!

[@CrystalKat]

SARAH!!! WTG 🎉 I’m proud of you. You are doing awesome! 🤩 keep it up! You are light years ahead of soooooo many ❤ Edit: and way to go on the weight loss! Seriously sister, you are winning life

[@jen3134]

Girl we are so proud of you!!!

[@seheine]

I love that she’s had all that success!! How awesome for her!!

[@alexandria4112]

I haven’t even watched her first episode but I’m so proud of her

[@dianacagle2545]

This was a great episode! Caleb was polite vs his normal rude and raunchy. Sarah - you are crushing it girl!!! Love the split screen.

[@heatherrice8530]

Yes I used to watch him as he started out but ice been turned off by the rude and raunchy too. Almost completely stopped watching. This was great

[@misssjw]

What a lady!! I hope she gets where she wants to be asap, she’s clearly one determined cookie and I love that for her!!

[@amoose8439]

2:20 WOOOOOO PROGRESSSSS GOOD JOB!

[@peggykaler5538]

All the people on the follow up that have made progress look so happy.

[@angelicaarteaga9311]

She’s doing amazing !!! We love her ❤

[@4Tankmp]

I remember Sarah. Really pulling for her, she’s learning and acting on it. To hear of her progress is great. Rock on🤘🏼!

[@maryoglevie]

Aww. I love seeing progress like this!! So happy for her!! 🥰

[@judymarshall6889]

So proud of her! I love when the follow-ups are in person too. Bravo!

[@Fierriel]

As an audience member, I am proud of you!!

[@nicoleengland9585]

So happy for her!

[@Shannon-K619]

I love how I rewatched her episode literally yesterday and we get a follow up today. Night and day! Go girl! 👏🏻👏🏻👏🏻

[@MrJojomylove]

Girl you go!! 🎉❤🎉❤🎉❤🎉❤ you stuck with it!!!! Much love !

[@carlariggs525]

so happy she is doing well. Thanks to Caleb, she is on her way to financial freedom