Hiding $30,000 Of Horrendous Debt From Her Fiance | Financial Audit

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Chapters:
00:00 Job and income
01:35 Laid off 2 times in one year...
02:35 Terrible finances!
04:37 Spending EVERYTHING
08:52 THE DEBT TO RULE ALL DEBTS
25:20 Her fiances don't know how much debt she has...
28:00 This debt is INSANE
33:05 CLEAN THIS UP!!
36:20 I am scared for you...
38:25 Hammer Financial Score
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*Disclaimer: neither this video, nor any content produced by Caleb Hammer should ever be considered investing advice or official financial advice. All content is made for entertainment and educational purposes*
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My financial friend, financial education, american debt, the dave ramsey show, budget money debt cash, personal finance, how to invest in real estate, the plain bagel, the rich dad channel, how to start in real estate, graham stephan, meet kevin, rental property, investment property, ryan pineda, elena taber, noelle randall, lili thompson, john olfert, bigger pockets, student loan debt, shorts, biggerpockets, investopads, biaheza, credit cards, student debt, how to make money, debt free, real estate, compound interest, buying house, pardon my take barstool, save, insurance, buy, snowball, pay off debt, debt free journey, financial independence, how to pay off debt, how to pay off student loans, debt snowball, dave ramsey show, pay off student loans, financial independence retire early, how to pay off student loans fast, debt payoff, dave ramsey live, net worth update 2022, dave ramsey cars, caleb kids show, dave ramsey car loan, college debt, money, debt free community, dave ramsey car payments, my net worth update, dave ramsey live stream, make money online, get rich quick, get rich, net worth, loans, fake guru, student loan, day in my life vlog, day trading, credit, loan, budgeting, stock trading, crypto, finance, budget, student loan forgiveness, ramsey, car payments, credit score, shiba inu, should i go to college, shiba inu token. As a 23-year-old with more debt than anyone should ever have, I know how hard it is to get ahead. This is the story of how I paid off $67,000 in debt in just 3 years using the tips in my new financial audit book, Zero Down Your Debt: Financial Freedom Through Debt Repayment. If you're feeling overwhelmed by your student loan debt, this Financial Audit book is for you! It shows you how to pay off your debt using the same techniques that I used, and it's completely free. I hope this video helps you get started on your journey to financial freedom! shiba inu crypto, inflation, manifestation, net worth spreadsheet, car loan, shiba inu price prediction, caleb hammer, financial audit, caleb, is college worth it in 2022, credit card debt, financial, dave ramsey, debt, credit card, payday loans, coffeezilla, car debt, bridgette wilson, pardon my take, is college worth it, john oliver, paying off student loans, net worth update, che and cherice, student loans, caleb maupin, shiba inu coin.
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[@jassy0903]

Side note, I just want to thank her for her work at VINE. Its a notification system that lets victims know when their offender is going to be released from jail/prison. I was a victim advocate for a lomg time and this service saves countless lives. Carry on...

[@jdrancho1864]

I did not know that the court systems farm out this function. It just now came to my attention because a fraud/rape victim in Utah complained about NO updates in the case of hers and others while the DA is cutting deals with the defendant. The case is Utah vs (defendant) Holzapfel.

[@jassy0903]

@@jdrancho1864 thank you for bringing this up. So VINE will only send notifications regarding inmates that are actively in a detention facility. However, Federal law requires the DA's office to notify the victim of any and all court hearings and allow the victim and their family to share what they would like to see happen in the case. Just know that, ultimately, the DA can proceed however they see fit. When I was at my local DA's office, we each had anywhere from 300-500 cases each. So we definitely relied on victims to call us any time they wanted an update or to catch up. A sad reality. I hope that survivor can get connected to some local resources

[@Michelle-hl5yc]

That's such a fantastic service! I didn't even know that was a thing! Are they nationwide?

[@bensantos3882]

99% of these female victims allegedly dated/ cheated on their husband's/ or those men are their baby's daddys. They volunteered for these men instead of marrying sound men. There is a cop right now on trial for his life and risking a life sentence because some random black woman had a Pookie bf. This man was beyond toxic and threatened to harm her, her daughter and was a repeat offender. The cop came to her house the man proceeded to chase the man when he avoided arrest out a window. This was all filmed and less than 5 minutes long. He found the man roughly 2 blocks away with another officer and him pincering the perpetual. The man proceeded to pull something allegedly outside of his pockets and thr first officer shot him with 1 bullet. Not only is this man's personal life over, but so is his career. To add salt into the wounds the lady is taken up by Ben Krump and he is leaning towards a racial issue, and the woman is suing the PD for $5 million as a wrongful death. After hearing all this b.s. I'd say unless this is your husband whose beating you, then I don't feel sorry at all for any of these women. There is a caveat too for women that were randomly accosted by strangers but that's it.

[@ScarletBrimstone]

​@bensantos3882 my SIL got her face beat in by a guy she was dating. She was playing the field and he caught her. I honestly don't feel bad for her, because she put herself in that situation. But I'm happy to hear that DV victims are alerted to their assailants being released. We dint have that in my area and my husband had to look it up to find out this guy's release time so he could alert his sister. When she got out of the hospital, we had family members keep her from going home for the next week until we were sure he wouldn't show up again.

[@bexmac8136]

Whenever I get the urge to buy something stupid, I watch one of Caleb’s videos and imagine him verbally abusing me into making better decisions ✨

[@tiffany.Elizabeth.]

I don’t even get much takeout but after watching a few of these today I’m going to make a mishmash dinner of whatever I have in the kitchen instead of ordering in.

[@YazminM2222]

😂😂 i will try it

[@JonnyBeoulve]

Realizing that buying things only makes you happy for a few hours or maybe a day makes it easier. We can get dopamine from other things like exercise and being good to others, which offsets the needs to buy things.

[@HotelBravo556]

Bullying works.

[@taysays]

😂 seriously! 💯

[@birdiefliesaway7656]

Imagine Caleb has a budgeting app that tracks location. Get a notification every time you're at a gas station or ordering uber. Like "TAQUITOS, REALLY?!" or "Do you really need uber eats right now? Be honest with yourself." To make you second guess all your unnecessary spending.

[@charlesd9916]

😂😂😂😂😂😂

[@danielblue22]

I would buy that, that's a justified investment.

[@manyrounds5468]

I love this idea 😂

[@purpurina5663]

Omg that's an amazing idea

[@Neatnik00]

I would literally pay $15.99 a month for that Caleb.

[@frostedcornflakes]

She needs to have a follow up. I feel like she’s one who will actually succeed

[@thomasroussel2739]

Absolutly i feel like the less excuse you try to find the more likely you are here to find real solution

[@9Steps2Ugly]

I don’t understand how her partner can be pulling in $3k on disability and still watch his partner pay for everything and what her straddle all this debt

[@spaceflunky]

Dude! How is this not higher!?!? This guy is a leach. She pays all the expenses???? BS!!!

[@Callimo]

Yeah, it's not like she's making 200k a year. She's barely middle class level and was laid off multiple times. I understand the pride one feels being "the breadwinner", but if you're not making breadwinner money and are shit with finances you need to put that pride down, please.

[@Dre2Dee2]

because the only guy she could get it a mooch. You make it sound like she has tons of dates lined up. A mooch is the only guy who showed up, look at her

[@jazionpurnsky1185]

3k monthly is what he's pulling from his new job.

[@scarlett8782]

@@Dre2Dee2 ugly people call other people ugly. also, you're giving serious small D incel vibes right now. who talks about somebody's mom like that? this lady is in her 40s

[@crazylegstatted]

Kudos to Sarah for the lack of excuses. "That's not an excuse. I made poor decisions." Refreshing to see on this show. I feel like she's in the best place (and ready) to change. Best of luck to her.

[@CalebHammer]

Absolutely

[@no0bbbb]

Someone will reach out to her and send her money on the internet probably. This channel is awesome. But I personally wouldn't because people don't learn that way

[@kfitz192]

​@@no0bbbb People actually do that?

[@no0bbbb]

@@kfitz192 my sister is a "professional cuddler" believe me in today's world there are no limits.

[@JackieOwl94]

@@kfitz192 There is also the profession of “financial dominatrixes” where men pay women to spend almost if not all their money. The world is weird. I sometimes don’t want to be on it. I joked with my husband one time about it. He told me I would actually benefit my clients if I was one-since I’d force him to budget. We had a laugh. No way I’m doing it.

[@donwasinger6654]

Her fiancé is walking all over her. She pays for groceries, rent, transportation, internet, gas, electric. Holy crap. Even with him on disability, his lack of contribution to their expenses is not acceptable.

[@Bigguccisoos]

She picked him sooo that’s what she likes

[@flonkas]

And I’m over here , young, handsome, funny, pay my own bills, and still single

[@Bigguccisoos]

@@flonkas you gotta get out and look homie, can’t be tryna find a wife online

[@flonkas]

@@Bigguccisoos I’m out there bro. Trust me. I’m on the hunt

[@Padraigp]

@@Bigguccisoos lots of people do

[@anneg9305]

I really love this woman for her honesty. She needs to seriously consider getting rid of the fiancé who doesn’t contribute to the bills.

[@tylertbone9]

Yea for real. Guys a fuckin free loader. I’d feel terrible if I wasn’t contributing with my partner

[@hanspz5505]

I wanna say we don’t know their situation but it really gets under my skin these women are like ‘he has no debts just a student loan and I pay all the bills.’ There is no way they don’t know they’re in debt and can’t afford all that, they’re leeches taking advantage. Like HES the one without a job HE should be in the debt oh my god

[@annethompson8105]

I'm flabbergasted that she is taking full financial responsibility for the relationship because she doesn't want him to "suffer because he works hard". Like, girl .... NNNNNOOOOO

[@hanspz5505]

@@annethompson8105 and Caleb telling her to marry him asap… he’s already proved he doesn’t give a sht. She needs a man not a baby who would allow his fiancé to pay all the bills and he definitely goes out to eat on her dime as well… did he think she was made of money 😂

[@dnlmachine4287]

We should consider the possibility that she was highly irresponsible before meeting fiancee. Fiancee saw the hot mess of money bungling and refuses to get involved. We dont know the whole story from both sides about each persons actual "contributions" (money and other things), but this is a possibility. Stay gold.

[@kristentrohkimoinen]

I'm proud of her that she doesn't have any lame excuses for all the debt. She doesn't try to justify it like other people have! She is owning it and it's nice to see!

[@courtney3540]

That's a good point!

[@kensmart1976]

Are you kidding? She has no accountability. She just says I don't know. She never owned her stupidity and said she was an idiot. Accountability is not making bad spending decisions!

[@tigerbear3038]

she’ll probably just blame her fiancée

[@GothicBookLover]

She's hiding this from her fiancee... I hope her fiancee dumps her

[@ziddi2603]

Ding dong...anyone home? She's not on this program because she's doing great in life!!! smh She's a36 year old woman that has no career and sh#t loads of debt, no savings and thinks marriage is the answer. lol

[@SIOrlove1]

I like the videos featuring 30-40 something's a lot more. It's far more relatable to me, and educational to people in their 20s. I'm 41 and after the last 15 months of no fun I was able to get my house back in order. Paid off 59k using the snowball method.

[@jstevenintexas]

Agreed. It’s hard for me to relate to a 21-year-old in college.

[@cheesecurd100s]

Yeah I'm soon to be 41 also. Wish I would seen these videos much sooner.

[@jaja-cg9yd]

Yep. The whole YOLO thing where they laugh at their terrifying finances and make excuses gets old. Once you've seen one you've seen them all. And it isn't helpful because they're not open to discussing a plan of attack.

[@catgrrrlart]

This is so inspiring! I’m just trying to pay off 9k and am hoping to do so before I’m 30 in 8 months.

[@kimmypossible6717]

Good for you! 👏

[@Rudy1150]

what stuck out to me is that she is nice to a fault. Wine for a coworker gift, and starbucks for coworkers. It is going to be so tough for her to tell people "no, i cant go out for drinks" or not contributing for a family members gift. best of luck. this is a still a refreshing change from people with a lot of excuses.

[@pseudoku1]

Weird when you see people you knew in high school out of nowhere - she and I were pretty good friends at one point and went way different directions in life. Glad to see she is owning mistakes and looking for ways to get financially secure. Hey from orchestra class 👋

[@BeczaBot]

Wow, funny how life throws you little coincidences like that. If that could be considered a coincidence.

[@rmjerome1182]

We def need to normalize having discussions about finances and being aligned on financial beliefs, being misaligned can really harm the relationships. One of the biggest factors in divorce is finances you have to be a team.

[@CalebHammer]

Absolutely

[@Jesussaveme85]

One of reason why I divorced. Not the only reason but huge reason finding out your husband is in over $200k in debt after marriage is not ok.

[@smnbrgss]

@@CalebHammer Seeing a comment on another video, you should definitely have couples on together when possible.

[@RickyRicardoMJF]

How someone handles their finances/handles their finances after being educated is something I pay attention to when getting into a relationship... especially bc Im traditional...ur not gonna sit at home spending all of our money😂

[@tarasmith8314]

​@Caleb Hammer make your own app like you said in the video. Do it!

[@EconJustin]

The way she took all of Caleb's punches, hardly any excuses. Way to go. Humiliation can aid in a change of lifestyle.

[@danielmolina2293]

She understanding and owning up to the mistakes. I’m hopeful for her situation

[@kathyk2777]

Why can't she consolidate this into a simple interest consumer loan? Regular payments, lower interest, and cut up the cards! Otherwise that credit card interest will never get paid off.

[@lisagentry.]

Interesting series but I really hate all Caleb’s product promotion. I’m curious why he doesn’t get his CFP so he can be doling out professional financial advice.

[@mykaljh]

It really hurts me hearing the pain in her voice, she held together really well for someone literally being told their situation is so bad it looks like they're going to die in debt. I really hope she gets everything together and I hope her fiancee is willing to help

[@hanspz5505]

I’ve heard of people in worse debt that got out of it 🤷‍♂️ sure she’s doing fine now

[@danielponder690]

I think she's realizing it may be time to talk or leave the fiancé

[@meanmugging]

This woman is so different than a lot of guests. She really understood the gravity of her financial issues truly. Almost seemed like she wanted to cry from it all going over how bad it was. I think she's got a good head and will pull through, wish her the best in this rat race

[@pure_indulgence8144]

I’m so shocked that less people in the comments are pointing out the fact that her fiancée isn’t contributing to the household bills. Even if she makes more money than he does the bills should be broken down by a percentage. If he contributed even a tiny bit the excess money from her pay could go towards her debt repayment. She needs to work on her financial health but she also needs to have a real conversation with her fiancée. Teamwork makes the dream work!

[@River-br2rv]

💯💯💯💯

[@welshhibby]

She’s a strong and independent woman and is the main bread winner.

[@Boc3phu5]

This goes to all men. If you decide to involve yourself with a woman, you are responsible for all her luggage. Therefore you should marry a woman with no such baggage in her trunk, both mental and financial. They are out there. You don't have to live a life with a woman like this. Let them figure it out by themselves. If you have your arsenal together, go pick up a woman that is willing to contribute to your tight ship.

[@googleuser3749]

​@@Boc3phu5 what tight ship? The fuck are you talking about? She's been holding him up despite getting laid off. Yes he had surgery but he was on disability and paid no bills. Are you kidding me? A chunk of her debt you're shitting on her for is to maintain his lifestyle despite her getting laid off and him not working. Sounds like he too has some shit to get together.

[@Callimo]

​@@Boc3phu5Ok, then women don't have to take guys with baggage either. No mental or financial baggage. After all, what's good for the goose, eh😂

[@franticzenster8140]

This is why it's so important to have an emergency fund of 3-6 months' of expenses. So you can weather through things like getting laid off twice in one year.

[@CalebHammer]

Yup

[@DomesticAnimo]

That doesnt matter if the job you have doesnt pay much. How can you save up 3 to 6months of emergency funds when a jobs pays you MAYBE 17 an hour. Most jobs ive looked at want to pay people 11 dollars and at MOST 25 thats not enough to make it on your own these days espically with inflation. Are you expecting everyone to make a lot of money? Jobs these days dont want to pay people anything yet expect YOU to work you A$$ off! You wont get anywhere if you have a decent paying job but have to pay 1200 or more for an apartment have a car payment plus insurance cause its mandatory and other life circumastances. And if you are going to say well get another job or find a higher paying job then you most likely have not struggled at any time of your life and have had the honor of findimg a great paying job some people are not that blessed in life :/

[@mattstrudwick9627]

Sorry to say but if you’re making $17 an hour which in my province is $2 above minimum wage you should definitely upgrade your skills to get a better paying job. A car payment also isn’t a needed thing in life. People truly don’t know how to save money and they make excuses just like you are. You’re renting an apartment and can’t afford it? Rent a room and save $400 a month.

[@DomesticAnimo]

@@mattstrudwick9627 yeah, and guess what upgrading your skills requires you to go to college and get into debt so how is that an good argument? Go to college because thats what most jobs require of you to maybe get hired at a decent pay. Give me an absolutre break. 🙄 Ok yeah, I could get roomates whoopidty do but what if i dont want to room with some random yahoo? Why does society force you to have to room with others? You should be able to afford to live solo. Car payment yeah, I had paid full cash for my 1st car it was totaled due to no fault of my own life freaking happens. I guess youve never had life happen to you hu? I got another car eventually paid it off and I helped out my mom who was down on her luck and ended up with another car that I am now working to pay off. My mom passed away but i left the car to my stepdad i didnt want to take it back. I gave it to her and by extention him. I cant stand when people get on their I am mighter than thou attitude when it comes to peoples lives 😡.

[@mattstrudwick9627]

@@DomesticAnimoYou definitely don’t have to go to school To upgrade your skills. Stick with a job for a while, get some good skills with them behind you. Get a raise in that company. Also there’s the big excuses again🤣 You don’t wanna sacrifice living with someone else to build your financial future. I also just bought a new vehicle because mine died on me. So life does happen to me buddy;) but I’m smart and don’t make excuses like you. I can’t stand the excuses coming from you😂 you sound like the people in these videos.

[@caitii_sux]

I feel for her on the “breadwinner” bit. I have been in that situation multiple times and it’s so draining and sad. Your partner (*if they live with you) should contribute to your household expenses!! Period!!

[@truebengalsfan]

It's what age choose . Did she say what he money goes to ? Only time the bread winner pay for mostly everything and the other person isn't is when the is the breadwinner

[@Galworld761]

There should only be a “breadwinner” if the person staying at home is caring for a child. This is a gender neutral comment. No one should stay home doing nothing.

[@brainchamber99]

@@Galworld761 Being a home caretaker and caregiver is a skillset. This is why housewives are highly sought after. If you're a woman and the breadwinner then it's a no-brainer for a man to milk you since many women have "caretaker syndrome". Let him be the breadwinner and you just be financially smart with his money. Housewives in Japan handle money very well because it lessens the husband's burden. Take notes.

[@WesHale]

🚨I was in the EXACT same situation🚨 This is not insurmountable. When I got my shit in order, it took about 18 months, during COVID, to go from $30k of debt to $0.

[@lessthanthree3528]

kind of random but i love your use of the sirens lol it made me chuckle for some reason BUT congratulations on getting rid of that mountain behemoth of debt 💸

[@BrieCheese]

So when she's out of work, she goes through her savings and maxes out her credit cards, and when her fiance is underemployed, he gets to rely on her to pay for rent and everything else? That's not fair at all.

[@mwehpakonne]

Thats a good point, maybe she SHOULD have him help pay some of this debt off since it was to maintain his lifestyle. Understand that he was out of work, but now hes back, this should relieve some burdem=n.

[@BrieCheese]

@@mwehpakonne She also said in the video that she's always been the breadwinner in this relationship, so it didn't just start when he blew his achilles and was unable to work. If she's always been paying more, then he should definitely own up to a lot of that debt.

[@mwehpakonne]

@@BrieCheese good point and agree

[@harsimransingh8509]

I mean, it is always amusing when women act like having to support your partner is somehow wrong. As long as that same energy is applied to women who dont contribute financially to relationships I'm all for it!

[@pensandshakers]

@@harsimransingh8509 This isn't a SAHM situation. This is a person with no children to take care of who's not contributing. Gah, you guys are insufferable. You bring up issues that aren't even relevant to the discussion and expect everyone to POGface your "red-pill" logic. Unless you have evidence of Ms. BrieCheese up there saying on a different video "she shouldn't have to help" to a situatoin that's exactly like this, but opposite, you're just here to be an assumption hole. Back to the bridge.

[@_rellorT]

Caleb makes me feel better while listening at work. Reminder that money MATTERS

[@patrickwalsh4072]

Exactly what I’m doing right now lol

[@rmjerome1182]

I do the same thing to! Definitely makes you self evaluate.

[@ArJayDM]

It sure makes you appreciate your stable and secure job a lil more 😂

[@TJaeSpeaks]

Literally me at my desk listening to the episode lol😊

[@TiffanieMichelle]

Literally do the same thing! Lol

[@anncromarty2590]

I doubt the fiance will care about the debt she didn't tell him about. He will care a lot more that the gravy train has run off the rails. I hope she can make the changes needed to rein this debt in. Routing for her.

[@flove5715]

Her hiding that much debt is a major red flag for marriage.

[@maryharper9321]

The partner needs to pay more to the expenses she just took responsibility for 100% of the bills .Crazy

[@nly4607]

Nope she is too old and fat for a provider male under 50-55ish lol

[@vonzaag4555]

Agreed, he happily turned a blind eye

[@AM-dk5ym]

he better have helped her pay off that debt that's for sure.

[@tk3831]

This lady was so straightforward and just embraced it. I hope she can overcome this!

[@sampatel41]

Well she wasn’t straightforward with her husband regarding how much debt she has. But hopefully it all works out.

[@lizam3729]

I love how she’s open and honest about everything except getting a facetune subscription 😭 I would do the exact same thing lol

[@Kayyvr]

I noticed that part too 😂

[@Blake1720]

Yeah she totally got caught e

[@coltzee1]

I'm hooked.... I might have watched like 40 of these videos in 5 days....

[@TimesUp8888]

Literally same... 1 yr later 😂

[@kendallosborn2514]

Listening to Caleb gets me through the work day and reminds why I show up to work everyday lol

[@lot2196]

Never stop, you'll do fine.

[@jadaeidson5291]

Amen I’m at work rn listening 🤣

[@illuminatiCorgi]

To be fair. She is the most mature guest we've had in a while. No excuses. Just owning it. GG.

[@jennifer.martin.48]

When my husband and I were dating and engaged, we had a long discussion on finances and what debts we had at the time so that way we knew what we were getting into before we got married and what to tackle once we were living together and having joint accounts. Even to this day, 7 years of marriage in, we still stick to our rule of telling each other of purchases we make that are over $100. It works for us!

[@michellecd4722]

@Jennifer Martin Good for your husband, you seem to have caught one of the good ones!

[@ursamellis264]

I learned from my parents that in relationships you should ALWAYS discuss how much you are willing to spend without consulting the other!! It can be so enlightening. Even though my spouse and I do almost separate finances, I still wouldn’t spend tons of money on anything without communicating because if I become financially unstable my partner is not going to be okay with just passively watching me unravel. And the more different your styles on saving, spending, investing, etc., the more often and detailed these conversations need to be!

[@stefanielozinski]

I actually have the most hope for her out of all of the recent episodes I’ve seen, because she’s not making excuses and acting ridiculous. She knows she’s messed up. I hope she gets through it ❤

[@deirdrekiely6187]

Yeah but she's SOOOOO passive.

[@Drthiccness]

That initial eye contact 👀

[@Thatonegirl989]

Yeah that was a little intense 😅

[@rodneyarceneaux116]

She was looking like a UFC fighter at weigh-in

[@braddodge8970]

😂😂

[@haute03]

@@rodneyarceneaux116 😂

[@eugenechurch6135]

Caleb don't forget to give updates to people. We want to know hoe others have faired.

[@thomfisher4926]

Think this is probably the most important part for this channel, people that come on might stick to it if they know they are going to get a follow up in 6-12 months

[@crystaldavis3841]

Yes! Caleb, please do some updates with past guests. Even some short, progress report type updates would be great!

[@ladybuglaunching947]

I wonder how many just decline to come back because they didn't do what Caleb suggested/make changes

[@amberkumar4514]

Her perception of money is a concern for me. When she says “we had a pretty good savings… of $5-6,000”, that’s virtually nothing. Even when she personally doesn’t think she was struggling, she absolutely was. I’m so glad that this channel exists.

[@rebeccashields9626]

Agreed. $5-6k goes by super fast if you are sick or lose your job, as she found out. But that fact that even after that she still thinks it was a lot of money after it clearly wasn’t nearly enough is concerning.

[@Sofia-ge5wu]

Bet it seems pretty good to someone's who's in lots of debt 😊

[@sniperhare]

It's hard to save up more than that.

[@XFizzlepop-Berrytwist]

5-6k is good though for like 70-80% of Americans. 50% or so, cannot even afford a 400-500$ emergency, without borrowing money.

[@BeczaBot]

​@@XFizzlepop-Berrytwist it's a pretty sad reality for a lot of people

[@tylerwoods9954]

I don't understand why it's not fair for her fiance to contribute more to help her get out of debt. She's been paying for almost everything while they've been together, plus the debt will still be there when they're married. If he's worth anything, he'll want to help her get out of this mess.

[@soarraos]

I always get a chuckle when Caleb gets mad at small 40 buck interest charges. At the peak of my debt my interest was like 400 bucks a month. But it's been 2 weeks now that I've paid off almost 40k of debt. About 37k. Feels good

[@CalebHammer]

Woooo!!!

[@soarraos]

@@CalebHammer Woo indeed 😁. You woulda had an aneurysm looking at my statements from 2 years ago, lol.

[@leahmcdermott4189]

I totally get why Caleb gets mad. $40 of interest makes me sick cause I recognise it’s money I’m losing for NO reason when that could literally cover my phone bill which is 40 bucks. Like, it’s wild to me. $400/m in interest is mind blowing 🤯. That’s so much! Again, that could cover my groceries and utilities as a single person. And I’m giving it away from free?! 😳. Things like that would light a fire under my ass to pay off all my debt aggressively. Reason I’m debt free, I hate debt 😭

[@soarraos]

@@leahmcdermott4189 took me a while to get there but I am debt free now! No more interest, lol. No car debt, no credit debt, no loans from friends and fam to pay back. Nothing!

[@leahmcdermott4189]

@@soarraos Aww, well done!! Amazing effort! 😅💕

[@sharonthetrucker2297]

If her fiance was receiving disability or a paycheck he needs to be paying half of all utilities, rent and anything else he shares in that house. that is so ridiculous since she's pulling the entire wagon with him in it. absolutely ridiculous!! He's a no good bum.

[@nannygirlkc]

I used to go to Walmart, walk around and put stuff in my cart that I thought I'd like, but then I started asking myself, do I really need this and I'd end up putting it all back and walking out with nothing.

[@ibobeko4309]

I never go shopping without a shopping list and i dont enter a shop without a reason, if it is water i will buy only the water and leave.

[@Amabadam]

I do this too. Most of the times. It’s incredible how many things are completely fine to stay in those stores. And your life continues perfectly fine.

[@SekaiiWorld2121]

This trend of super high interest car rates terrifies me

[@sunjyotsingh6395]

Still waiting for the Caleb self financial audit! Want to see the panda express damage lol

[@alladreamwedreamed]

Panda Express and Panda Express and Oilcan Harry's and Panda Express!

[@josephbrown9685]

I don’t understand the obsession with places like Panda Express and Starbucks. I mean, I like Panda Express, but it isn’t that amazing.

[@nestorchavez4249]

Caleb, fees from the Credit One credit cards are annual fees. Those are charged annually or sometimes split into 12 months that’s why you see the $8 monthly fee. Those type of Cards do charge annual fees and have no kind of excellent reward other than allowing a user with lower credit a 2nd chance

[@doom2060]

Also if you google it, other KZbinrs call it the worst credit card you can get

[@MyMomCallsMeSar]

Credit One is pretty predatory. They go after folks with lower scores, charge monthly fees, have very high rates, and offer multiple cards like this person has.

[@Theaverageazn247]

@@MyMomCallsMeSar you dont have to take the credit cards. The credit card company doesnt make you spend. People need to pay off their cards in full every month. This will save them money on intereest and raise their CS

[@MyMomCallsMeSar]

@Khoa Bui That is irrelevant to them having predatory practices! Anyone who knows anything about finance would never sign up for a card with them. Yes, the folks who sign up for their cards hold the responsibility for that decision, never said they didn't.

[@Sofia-ge5wu]

That's the issue with having a poor credit score, reduced credit options and higher costs if you can get credit.

[@Noemie_Robidoux]

This makes me think you should do couple financial audit, the things that would be revealed! And then they can work it out together with your advice

[@beauhudson8656]

Mr. Caleb, it would be great to have some updates on these people three years from now. Kudos for her being on this show and transparent for the world to see. This is what all college age students NEED to watch. This is what life looks at 30 or 37 when living outside one's means. Good for this woman... it takes guts to face reality.

[@PaulZougras]

Caleb has 10x his KZbin channel since I first discovered it last year. This man will hit 1 million subs in 2023, and rightfully so!

[@18aplateindoors]

Easily

[@simplemarketknowledge3958]

A LOT of respect for anyone that comes out and admits their mistake. This is the first step to change. Thanks for sharing both to Caleb and the guest!

[@kwm4404]

I screwed around in my 20’s and got into really bad debt. I went from a 760 credit score to the 400’s and what I thought was insurmountable debt. Ten years later and I am in a much better place financially, but it’s still something I work on daily. If you’re struggling out there, keep you head up. It is a long and hard journey to get your finances straight, but once you do you’ll have a better appreciation and understanding of money. And hopefully you will be smart enough to never want to go back to that place.

[@MiguelRPD]

All I can say is that I'm just like her. When I was making good money I could out-earn my stupidity, but then when my hours got cut: that lifestyle started to catch up to me and I realized I couldn't afford anything. She needs to come to that realization too.

[@peteyification]

If I were her fiance, telling Caleb about her insane debt before me would have been a HUGE red flag. Edit - Those people saying he should get a job didn't watch the whole video... 31:55 He's bringing in $3k/mo from a job at a hospital bed company and was on disability before that.

[@adamseidel9780]

Yeah, well, her fiancé should get a job

[@adamseidel9780]

@@bellinaintheclouds yeah, we just glided right over that when it’s a BIG DEAL. It could be anything from something totally sensible like he’s currently on medical school to just this nice girl is getting married to some deadbeat. They should have talked about this.

[@tazzthedoodle7861]

​@DJ-tn3ov A divorce over 20k? That's a red flag for me and your spouse should kick you to the curb. Very shallow of you and I can see why they didn't tell you

[@peteyification]

@@adamseidel9780 Did you hear the part where he brings in $3k/mo? He was on disability before that job.

[@htrspsupra2102]

Agreed and I'm willing to bet she's hiding a lot more stuff about her than that debt. If I were him I'd say no more traveling if we get married. Jobs like that are marriage wreckers because when the cats away the mouse will play.

[@maclaindrake2891]

Caleb’s ways of saying to hit the subscribe button are always top notch.

[@crtnylyn8309]

I don't want to take comfort in anyone's difficult financial journey, but sometimes it's nice to know there are others in the same situation. My story is not far off from this one and it is rather eye opening hearing it come from someone else. I am 34 with twice as much bad debt (combined with my partner). There is hope though and watching these videos is really helping me to stop making lame excuses. It's never too late to take control. Looking forward to clearing out the debt this year finally. Thanks for the motivating content! 🙏

[@Piworld13]

Sending encouragement. Hope you are seeing progress and that keeps motivating you to a better position. 😊

[@ellieshaw693]

i'd love an update!

[@jonathankeyser8864]

I'm really glad i found this channel. It gives me a lot of hope to fix my own financial situation

[@lala4499]

I felt like she was close to tears many times! Prob cried when she got to her hotel. I feel for her, but I think this will be her turning point. ❤️

[@meggggg]

I noticed that too, she seems defeated and so emotionally tired ❤

[@ohhhlorrd]

I think the biggest piece that I take away from Sarah's episode is the importance of openly discussing finances with an significant other. The good bad and ugly because beyond being honest it gets you on the same page to grow or fix a situation together not apart

[@bionicRod]

Man I see a lot of myself in this lady's predicament. I had one bad year in 2015 with a major surgery and a house flood and it took me forever to get right side up on it all again. I had almost as much cc debt as her and as little hope for retirement. Hang in there, it is possible to be credit card debt free, I am living proof!

[@cmdrmalndr156]

In a world where everyone is out to get your last cent its nice to see someone making a positive impact. I wouldnt say im in a negative financial place but it definitely could be better. This has got me thinking alot. Good work ^^

[@melanierhine593]

I think the fiance needs to contribute more to the household, food, and rent.

[@sleepsounds2580]

Yes, so she can get these cards down

[@pabloescobarschanclas]

seriously, why is she the “breadwinner” 🥴 can he not step up….?

[@tiamat_023]

He’s a fixer-upper. She’s going to change him.

[@mrscreamer379]

@@tiamat_023 Is she going to turn him into a hedge fund manager?

[@berube361]

Did you watch the whole video? He does bring in a decent amount monthly and before that was on disability. I'd say he needs to get away from her with how she thought it was okay to hide massive debt from the fiance and instead tells a stranger first. Huge red flag on top of everything else.

[@gri22lybear]

Your channel is so addictive and makes me re-evaluate my own financial situation! So thanks Caleb. 👏

[@mikebaichoo576]

Congrats to Caleb for getting 500K. I just started watching these the past week and witnessed over 5K subscribers in this week alone. It is a true testament to valuable content you provide! 🙂

[@Extreme_Gardening145]

She's a perfect candidate for balance transfer and consolidation, all those high interest debts are pretty much inescapable at this point.

[@sd1660]

I would not get married to her finances. Sorry the fact he is unaware of this is a huge red flag. The fact he has not contributed more with his disability pay check is a red flag. The fact neither in their age group has savings is a red flag. The fact she is more worried about financing a wedding than setting up a marriage for success. Red flag.

[@whatta7793]

He's probably not contributing more with his income, because he probably doesn't know she has $30k of debt! If he was aware, I'm sure he would start encouraging lifestyle changes for the both of them.

[@pabloescobarschanclas]

@@whatta7793 the fact that he doesn’t know is a red flag within itself….without communication, you have nothing.

[@cliobhabie]

HE is supposed to be setting up the marriage for success TF

[@kfitz192]

​@@cliobhabie THEY. Not he or she. The two of them together.

[@AngryVet13]

@@cliobhabieit takes 2 in a marriage. If either one doesn’t want to contribute or set up for the future, bad sign. It’s not just on him.

[@tyrannicalchocolate]

Get laid off from work, immediately buy a $33,000 second hand car. That salesman earned his commission.

[@mialeroux2943]

Man this channel is great. Before I found Caleb's channel I was at least making changes. A big one was cutting down on takeouts (only twice a month now) and do better grocery shopping. Already so much relief. And luckily my partner and I are transparent about our finances and both contribute. Still learning so much in areas I can improve

[@MsMackAttackk]

These videos are awesome. Thank you to the guests for educating those watching.

[@courtney3540]

Thanks for your videos, Caleb. I was actually just laid off myself. I just got rid of my car (loan payment & high car insurance) to help not get into a worse financial situation.

[@sylsuthss]

Wishing you all the best Courtney

[@courtney3540]

@@sylsuthss Thanks. It sucks but I was working in tech and waiting for the axe to drop for over a year. I feel a lot better mentally.

[@kfitz192]

Smart move!!!! Wishing you the best!

[@gladlock]

Cars make a lot of people poor. I am sure you are smart and know this but for other people reading, there are so many ways to live without a car. Living in an area central to tech jobs and getting a bus pass can save several hundred dollars a month in payment, insurance, gas, and maintenance. Groceries can be delivered weekly for a nominal fee and walking more helps us stay in shape. Some cities have rail and it is also very efficient.

[@lupe8519]

She’s “always” paid the bills. Her fiancé seems immature af. “He works really hard” BS. He’s leaching off her. I bet she’s paying for all the wedding. This is insane. Leave him quick

[@mcgoober6779]

leave him no, they just need to come to a understanding that he has to pay 50% of the way in the household when clearly that wasnt how the relationship started out as however they are now in a hole (she is) and either we work as a team to help dig out of this hole so we can enjoy later years or, it just ends because he cant get behind that idea. i dont think in all my life, heard financial advice of "tie the knot now" would he give that advice to him in the same situation usually i always hear 'dont marry someone with alot of debt' lol

[@lupe8519]

@@mcgoober6779 just because it didn’t start out that way doesn’t mean he shouldn’t have been a responsible adult and helped her out. I can’t imagine living with someone and having them pay for everything while I just pay for my stuff. I’m surprised Caleb didn’t go off on that

[@mcgoober6779]

@Lupe everyones relationship is different. Unless they making an absurd ammount id feel weird too

[@lupe8519]

@@mcgoober6779 yeah I get you. Just don’t like people taking advantage of others. She seems so nice but it also feels like she’s hiding something. I mean she hasn’t told her fiancé about her debt and she is covering all expenses so he can live his preferred lifestyle. I mean is he studying? Is he mentally or physically incapable? What’s the reason he doesn’t want to help with bills ? I mean if I made 10x more than my wife i wouldn’t have her pay anything but that’s not the case here lol

[@PointNemo9]

He was out of work due to a torn Achilies tendon but recently got back into work. Stop making assumptions when you don't know the situation

[@samanthaquilici8157]

I really loved how you incorporated pictures of the cards and payments, it was a really nice visual

[@abbey9100]

Really enjoyed the chart laying out the monthly expenses. I’m a visual person so this helped me with following along.

[@emtsnuami559]

As a woman, i appreciate calebs ability to tell women what they should expect from their boyfriends/fiances when there are shared bills. This woman seems so sweet and hopefully her fiance contributes more in the future. 🤞

[@tdgdbs1]

This is a one sided story.

[@kfitz192]

He was on disability and now he's back to work and will be contributing. Why don't people watch the whole episode before they comment?

[@HDReMaster]

@@kfitz192 time is precious

[@kitt-anne3818]

@@kfitz192 she also said she's the breadwinner, and when asked why, advised that that's just always the way it's been for them.

[@nly4607]

I think it more has to do with women being realistic about the man they can attract lol

[@DutchKing]

28:00 I feel so bad for her, shes talking about how she doesn't want her fiance to change his life. That's wild saying that as the bread winner.

[@joycef8443]

How desperate is she? Paying fiancé’s share of stuff…doesn’t want him to work so hard. Does he do manual labor, can he use his “college” to get a better job?

[@pabloescobarschanclas]

@Serendipity why on earth would a woman provide for an able-bodied man…..

[@kitt-anne3818]

​@Kijestic Productions The *only* possibility that makes that okay is if he's doing the lion's share of housework and running errands and holding everything on the homefront down... but that's not a societal expectation of men, so they don't typically feel the need to do this. And then it falls back on a woman's shoulders and before you know it, you're a single mom to an adult man.

[@PointNemo9]

​@pablo escobar's chanclas It's 2023, there's nothing wrong with the woman making the money while the man stays at home and takes care of the household and kids.

[@pabloescobarschanclas]

@@PointNemo9 sure, if you’re a slackjawed beta, there’s absolutely nothing wrong with that lmao.

[@denellrandall3441]

As a 35 year old, this episode made me feel better about my situation. I wish her the best of luck!

[@Rocket9944]

People's problems shouldn't make you feel better about yourself

[@denellrandall3441]

@@Rocket9944 I dont know you and you dont get to tell me what I 'should' or 'shouldn't' do.

[@jdy89]

Rooting for you Sarah! The wedding industrial complex is such a racket anyway, you all don't need that! Summer is coming up, enjoy free things like taking your dog to the park and packing a picnic. You can do it, it's just gonna take a lot of work.

[@LBell]

When Caleb doesn’t see a way out, it’s dire. Good luck Sarah ❤

[@sheba1307]

Um he has worse people on the show he says that to everyone lmao

[@thepearlswirl]

10:23 yes it charges $8-9 bucks a month (sometimes twice) just to have the card it’s called a membership fee I didn’t even notice till I started watching your channel!! 😫

[@lawfullucyless6715]

Cancel it!!!

[@thepearlswirl]

@@lawfullucyless6715 oh I am ASAP. i wouldn’t of even known if I didn’t get rocket money. Thanks Caleb once again😮‍💨 I also got 4 charges back of $17 from Audible that I didn’t know about.. download rocket money if you haven’t.. it opened my eyes WIDE👁️

[@daquiesce4490]

The editing is always so good how they go from each person while they're talking and some cheeky zoom ins for points made. Incredible editing

[@Scarbuckks]

I’m so confused how she has SO many cards but all of them have extremely low limits. $1000 limit on 1 of 3 cards from the same company is insane $300-$500 to a $1600 rent payment when he makes $3000 a month is just downright taking advantage of her. His ass can pay half and he knows it.

[@BrightestWitchBricks]

I just want to know Caleb’s first date financial shakedown approach. Because I think he may come out paranoid after enough of these audits 😅

[@Dre2Dee2]

DM a credit score 800+ or dont bother showing up. Thats what I do

[@beverlyhayshouston2770]

🤣🤣🤣

[@littlesandydronography9193]

Finally Kentucky's on the show!! Great content, Caleb. Keep up the excellent work!

[@JKRBW]

I have so much respect for her for putting it all out there.

[@zoesalamahill]

Sarah, you are lovely, honest, and an AMAZING PERSON! Thank you for your work and thank you for being candid here. I sincerely hope for the best, because you deserve a good, financially-stable life ❤

[@ahow164]

Did I miss something? What does the Fiance contribute to the finances? He gets 3k a month and it goes where?

[@becuteforme]

The other girl. 🤷🏻‍♀️

[@o0laieta0o]

He just started working tho, he might be payed monthly and the first check hasn't arrived yet. That's what I'm hoping because he literally should contribute 2k to the join expenses at least.

[@loverlyredhead]

@@o0laieta0o Yeah, I'm thinking it's more like "he's been working 3 weeks and gets paid monthly. He will get 3k a month, but I've already paid the bills this month. So next month, he will be able to contribute but we haven't talked about it at all. I'm too scared to talk about my money and know that it will come up if we discuss money."

[@happymack6605]

Sarah is awesome! Taking responsibility and the fortitude to take the ripping the bandaid off pain Caleb dished out ❤

[@lisamurat1001]

Its so amazing to see so many venerable people. I literally threw money at my problems and as a distraction. So happy she came on the show.

[@squamishmedium]

Rooting for you Sarah!!! You can do this!!

[@miapestano766]

Splitting my attention between Financial Audit and studying pharmacology. I can't help but listen!

[@lawfullucyless6715]

You're amazing! 🎉🎉

[@katerinavlckova2547]

Today I bought McDonalds. I swear I heard Caleb yelling at me about my budget overflowing for LITERALLY NO REASON!. I am not doing that again, lol. Also I might be binging this way too much.

[@sleepsounds2580]

On my way to get a large fry and coke from McDonald’s! 😂

[@katerinavlckova2547]

@@sleepsounds2580 whyyy?! 😂

[@dalinstyle9799]

😂😂😂

[@meggggg]

​@@katerinavlckova2547😂 In Caleb's high pitched tone - you can't afford thatttttt

[@greglanders5837]

that was rough! the "no path out of this" really shook me. Thanks, Caleb, for another eye-opening episode

[@HungryHappy2024]

I’m 37. I watched this and it was like watching myself. You can get through this. Life will get so much better once you make a real choice to change everything about the way you interact in the world. I have another 18 months ahead of me, but at least I feel in control for the first time in a long time. The best part of this process will be when you finally coming clean to your partner… that’s when true connection starts. Tip: Your local library can be your best friend. I have cancelled audible, Spotify, Netflix, Disney +, and the list goes on. It’s free and it’s awesome.

[@WilC379]

Thanks for the motivation Caleb! Just paid off $10812 on my credit card and a $1800 signature loan today!

[@eugenechurch6135]

Caleb you should get certified as a financial planner. Could help the channel

[@superbigblack]

He probably couldn't yell at them anymore! Lol! 😂

[@brossusaurelius7657]

you need 3-4 years of industry experience to be a CFP, not sure if the board would count his YT channel since its "not official financial advice"

[@Rederis]

@@brossusaurelius7657 It could help cut down the total years required

[@heero854]

To become a CFP is a massive undertaking. It's the equivalent to a masters degree in just one test. You study for at least a year before sitting for the test at the bare minimum. $7-800 per course and I believe there are 7 courses? Then sitting for the test is like another $1000. Becoming a financial planner isn't just something you become for a financial channel on YT, otherwise all the other yahoos would have done it too. Additionally a channel like this that talks to the general public would be hard to give specific and direct advice to people and since other people watch this videos you can't sell it as a "you're doing this just for this person" because there are nowhere near enough disclaimers that people shouldn't take this stuff as anything more than entertainment. Sponsorships also probably couldn't happen at all because it would show clear bias. Finally, you need a degree/finance experience of at least 2 years before you can even sign up for the classes to study for the test. Best yes, it would be cool if he did. If you want to watch people with CFP, I know that "The Money Guys" are CFPs. I don't know of any others off hand.

[@sergiv5613]

Caleb does a great job with these videos, but at the end of the day, his message is pretty basic: Stop spending money, pay off your debts, save up some extra money. Its pretty obvious to most people. Hes far from a CFP, both certification wise and knowledge wise.

[@QueenKallieen]

You should start doing follow up episodes. I hope she's okay and I'd love to know in a year if she's on track.

[@patibarra9708]

After a few episodes my husband and I paid off our small debt of $4300 that I thought was a lot! Thank you for having these episodes it also keeps me from buying dumb shit we don’t need.. like I want a hockey table but it’s not in the budget to spend $600 on something stupid we don’t need lol it’s been hard though. Good luck to everyone getting out of debt !!

[@JS93art]

That 500K isn’t too far for this channel 🔥 can’t wait to see how far you go with this 🙌

[@michi8081]

Truly thought Caleb was going to have a heart attack during this one. 😅 Thank you for the amazing videos and consistent uploads!

[@mrsnewyork21]

How can she say he works hard but she’s the bread winner?? Give yourself more credit, don’t pay for his lifestyle that he can’t even afford by himself. Girl if I was you, I would not marry this guy. Boyfriend for life or leave because why be with someone who you can’t even split bills 50/50 with?? Yikes! Run for the hills.

[@cathysaira2645]

Hi Caleb, I am so proud of myself after watching your show. It helps me a lot, it is my wake up call! Thank you for your channel.

[@mr.laceduppp7944]

Yesss finally my caleb hammer financial audit fix!

[@kii1985]

I watch him because his reactions are so funny to me!! Not only am I learning what NOT to do with money but also to check myself with my own personal financial audit.

[@brimmed]

What I love about these videos is it reminds me to pay my credit card in full lol. I setup autopay for the minimum payment on one of them and I'm guilty of forgetting to go in and pay the balance a couple times a year. Caleb's insane upload schedule reminds me to check on it at least once a week

[@ImVeryBrad]

Every time I get paid, I pay mine off

[@marci3659]

Hiding that much debt from her fiance is a significant sign of poor communication and deception which will impact on trust and future of the relationship....they should not get married until the debts are cleared and she has a mind set change.Unfortunately she is a liability and this lack of transparency will bring them both down. She should not be in charge of finances.

[@RandomEvents_]

Or he can get a job and help bring money in

[@cameronwhite9742]

It’s actually more common thank you know being honest about fiancées is hard . I wouldn’t call her a horrible person it’s just tough for a majority of people to share fiancial status

[@liljamesjohnjr8415]

@@RandomEvents_ he does have a job. Definitely think this is a miscommunication on both their parts.

[@liljamesjohnjr8415]

@@RandomEvents_ definitely. Wish we knew how much he was bringing in so they could create a budget where both of them are tag teaming the debt.

[@RandomEvents_]

@@liljamesjohnjr8415 I think she said he was now making 3k a month and he started working 3 weeks ago