I'm Done | Financial Audit

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These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early.
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[@CalebHammer]

Use code HAMMER50 to get 50% off your first Factor box at bit.ly/42qZFcZ!

[@scratchaddict4776]

Dude please tell Ppl with SOFI BANKING you only get 4% with direct deposit. It’s not only the $250

[@youtubekeepscensoringme3357]

We are trying to get out of debt!!!

[@Mr_NB628]

Caleb, based on her story alone, she committed time fraud, which is a crime. She did not get fired for being late a couple of times.

[@youtubekeepscensoringme3357]

Companies do lie when hiring!!! Its called job security for HR. My son went to an interview and they tried to offer him a job on the other side of town at 16 years old. Beyond Ridiculous!!!

[@youtubekeepscensoringme3357]

​@@Mr_NB628felony or misdemeanor??? Sounds civil to me

[@jasonwomack4064]

I've dealt with people in retail for 20 years. This woman is the type person who will buy a $1 can of soda 24 times, because paying $10 for a case of 24 sodas is "too expensive".

[@haleymist09]

Lol! I've run into.these type of people.

[@SkamGame]

Hot damn, that statement just rings sooooo true for anyone who has worked in retail!!

[@bestaff]

Yep it’s a good idea to pay 240 percent more for the same thing 🥴

[@ADHD1080P]

Too many people in retail are like this☠️

[@zalty8556]

iq diff

[@CalebHammer]

This was a tough one. Some openness and honesty from me: I feel embarrassed for losing my temper when she wouldn’t listen to me and I yelled. It was an immature response, but I don’t ever want to cut anything just to make me look better. I anyways want to be as open as possible. I feel such a connection to these people and I truly want them to do better… it’s really tough to see someone go down this path.

[@fyrdude93]

“I don’t ever want to cut anything just to make me look better” Good leadership right here, strong work taking accountability and being transparent!

[@caliburxzero]

Being human and showing all the good and bad sides of a human interaction gives your channel authenticity in these conversations. Making it uncut is always the better choice.

[@WayraRose]

No one blames you. She misrepresented things by saying she wanted your help. She clearly doesn't want help. You have every right to feel misled and upset.

[@hfonseca1000]

Feels like she is wasting your time

[@mssophiad03]

@@WayraRoseyeah she wasted his time. I’d get heated too.

[@JGuerrero0422]

If I had a dollar for every excuse guests make, I’d have a fully funded emergency fund

[@LindsayViguePhotographyBristol]

Truly!!!! 😂

[@Spungle15]

I wish I could give you more upvotes

[@jeannieneuser5316]

😂😂😂😂😂

[@fredfinger7092]

I have heard this joke before, but it's still always funny. And true.

[@OhsoWoobie]

especially with accrued interest in a HYSA! 😂😂🤣🤣

[@podenco]

Imagine paying 25 thousand dollars for a decade old Kia and fighting tooth and nail to keep it because you hate your FREE bus pass

[@FrancisBurns]

USA car culture man, it's a cancer.

[@LabTech41]

Shit, I didn't even pay 25 grand for a brand new Toyota Carolla, which is a far more reliable brand than a Kia. If I was ever in a spot where I had to give it up, it'd suck, but if I'm in that spot I'm going to be losing it anyway, so why not give it up on my terms?

[@datguy4104]

Have you ever used free public transit?

[@LabTech41]

@@datguy4104 I have; when I worked a contract up in Alaska, my contract didn't have a rental car as part of the stipulations. Fortunately, work was within walking distance, but for everything past that I used public transit, and while it wasn't free, it was fine.

[@cloverazar5315]

Don’t you understand? The bus is for poor people, and she’s just a temporarily broke billionaire 😂

[@occamseraser]

Normally I skip the ad reads but I legit needed a break from this woman.

[@Hiiipowerdanni]

Whew

[@ragequit118]

😂😂😂

[@pmpdaddyt1218]

... made my face hurt 😔

[@davidorellana1208]

🤣🤣🤣🤣

[@woolf9035]

i literally let one play and walked around hahaha shes stressing me out

[@Mr_NB628]

Reason she got fired: - Late twice - Time theft - Using company property for personal use - Not providing 24 hour notice of absence ALL IN LESS THAN A MONTH!

[@jordank1489]

And I get a strong sense that she was a complete dick about it, too

[@cateatfood6634]

The rules don't apply to her. Life doesn't apply to her. She has big fun bags and can be catered to and loved by any man she puts her breasts into. She's fine. Who cares.

[@imanichange123]

What’s worse is she still doesn’t seem to think anything was wrong with that. The sad reality is that life isn’t fair and you can only be successful if you play the game and strategize around that.

[@YIFF_PUP]

I would say a salaried postion would be more a fit however willing to bet she'll abuse that one. like my wife can leave for a 2 hour lunch is she really feels like and you don't have to be on time at all. not to mention she doesn't seem to have a lick of work ethic, don't get me wrong I understand going homeless however you think that experience alone would be enough to humble her. not to mention if your paying double my car payment i'd be damned if I was ordering food when I'm paying 600 a month to own a car.

[@SW-fk3rb]

@@cateatfood6634coming on strong with the misogyny

[@brittanyv6594]

Refusing to use the bus because "she grew up taking the bus" is honestly crazy

[@blackdandelion5549]

If you grew up taking it then you should be master level of being able to ride on the bus, even with a backpack with your stuff in it, like a water or drink from home so you don't buy anything while you are out and now your coat or an umbrella and phone can go into it too!!! Even a snack for your shift. Riding the bus and going to work like you actually plan ahead like a pro!!!

[@shaunthesheep2325]

Grew up taking the bus to school.. would gladly still do it instead of driving 😴.. take a nap on the way to work

[@paris-tcib3583]

😂😂😂😂😂She didn't understand "bus" She's trolling him.

[@Zzz2x]

My dad is like that. Except he worked hard, went to school, cleared his criminal record, got clean for over 20 years, and has had a great career. So he has no reason to ever use the bus. Not sure if he ever actually did do that. But things like food stamps, He refuses to use my card if I offer to let him. Because he has worked to not have to use it. I asked him one time and realized I shouldn’t have asked! But people like this ? They need to grow up and continue doing what they grew up doing until they’ve worked hard enough to get out! I’m currently living worse off than I grew up and working my ass off to be like my parents who did just that.

[@EmilyReiter]

I have never understood this mindset. I own my own car and have it completely paid off, but if the area I live in had public transportation, I would 100% sell my car and do that. I would much rather not have to deal with routine maintenance/insurance costs, re-registering every year, and god forbid anything breaks down. Plus it would be nice to be able to just read a book or watch a video or something on my way to or from work instead of having to focus on driving.

[@derangedone13]

I can already tell this is going to be one of the infuriating ones. This woman has already said she clocked in and then LEFT FOR 30 MINUTES TO GO PARK HER CAR. And doesn't seem to understand why she was fired. 🤦‍♀️

[@bladynebula346]

I can not even understand her path of logic to think any of that was ok.

[@FlyingJ420]

Literal wage theft, and she’s aghast that she was accused a crime

[@irnbrewhaha]

​@@bladynebula346 exactly, you can't understand her logic, because she doesn't seem to be using it. I think she just reacts to things in life and never puts much thought into it beyond her response in t he moment.

[@rebeccamcphink4625]

​@@FlyingJ420Wage theft is when employers steal wages from employees. This is time theft or time clock fraud, where the employee misrepresents the amount of hours worked to their employer.

[@william421]

Lmao it's literally a crime, and she doesn't understand why they're treating it like its a crime.

[@lilysue6381]

Caleb, you can’t help this girl. You’ve done all you can do.

[@inthedarkwoods2022]

What guy would be stupid enough to date this woman

[@cristiewentz8586]

I'm beginning to agree that poverty is mostly a mindset. Case in point.

[@JV-uo7zz]

​@Bhodisatvas100% she's been in an abusive relationship

[@deirdrekiely6187]

​@@cristiewentz8586 You can't tell that there could be some intellectual disability here? Pretty obvious.

[@JV-uo7zz]

Oh damn I was right 🤣🤣

[@jayAh635]

This show taught me two things. One, 90% of people's problems are created by themself. Two, 90% of people don't want help.

[@bigpapawavy]

Fr I stopped helping people with fitness unless im paid because Nobody would follow instructions or they try to cheat on their eating way too much

[@Fish_King]

The issue isn't that they don't want help, the issue is they aren't willing to help themselves.

[@andrewmclaughlin2701]

This show made me feel how I always felt while married.

[@letyoursoulspeak]

Sad as hell

[@jackka82]

Oh, they want help. The free and spoon-feeding kind, though.

[@marcellom]

- All her past employers have lied to her - Her ex ruined her credit - Her current BF is the one who recklessly spends - Her current BF wrecked her car - Her most recent job treated her unfairly - Refuses to pay for parking because she "shouldn't" - Refuses to take the bus (even though she could do so for free) because... she refuses If only the rest of the world would get out of her way, she would finally be able to achieve stability in her life.

[@adamzielinski2001]

Well she wants to be poor. No big deal. Just move on and let her be. It’s her life after all

[@rkd350z]

Right?! Its like “me against the world” 😅

[@mojojojo8213]

Don’t forget the dental assistant program

[@alexguy96]

😂accountability is a woman’s kryptonite

[@luvzdogz]

Totally! And that whole tangent about her car, wanting to drive for Uber... I sounds like her car has a maintenance issue, state registration is expired and (possibly) no insurance. Just a total HOT MESS all around!

[@charleneevangeline4129]

I would NEVER EVER let her watch my kids or live in my house.

[@shelbeemariee]

OR drive me in an Uber

[@MM91845]

Or clean my home

[@anthonygilbert2903]

Or be her boyfriend

[@terriann3031]

Right? And I swear she said her boyfriend was also allowed to live with her at her live in nanny job. WTH is that mom thinking?

[@Julia-xc2lo]

Or be my dental assistant

[@AccordingtoNicole]

This girl is a prime example of how you can't help people who don't want to be helped.

[@Chris2jz]

😢

[@gsd5.785]

Nicole needs to be next for Calebs blood pressures sake!

[@alannayazzie4982]

She don’t want to be saved, don’t save her.

[@AccordingtoNicole]

@@gsd5.785 I think I'm a solid 7.5 on the Hammer Financial scale. We'd have a chill chat :P

[@lifeofsomeguy8093]

you can’t help people with an 80 IQ

[@br.eeyore]

The “I refuse” statements got me. She’s refusing relatively minor things, but totally fine with the predatory 25% car loan and perpetually negative checking account 😒

[@embercello9688]

This way she can always be the "righteous victim" and never be responsible for what happens in her world.

[@thetoastisburntgmail]

I refuse to think about this.

[@jacquelinepaige-hammond3548]

​@@embercello9688lazy and clueless

[@96s40]

Insists she needs a car to “get to work” - takes out a 25% interest loan - but refusing to pay $7-8 to park it, like everyone else. She’s a joke. Such a waste of energy!

[@donaldlyons17]

@@96s40 Well she is right she needs a car... but parking sounds like a big issue.

[@malloryball4650]

The “last straw” situation she describes… She got fired for time theft. Clocking in and then going away for 30 minutes to park somewhere is absolutely time theft by any normal employer’s definition. Of course they treated her like a thief when they let her go. She even says she knows she’s not supposed to do it but did it anyway…

[@kathleenbellefeuille5406]

Seriously! She doesn’t think what she did was wrong!

[@AlohaCow]

I know I was dead when she said she clocked in to avoid being late then went and parked…. Or just get to work an hour early? If that’s your primary job, you have the ability to get there an hour early

[@kyliecallaway5273]

“They treated me like I was a criminal”. Well you did commit postal fraud!

[@lindsayg1535]

Holy crap, I had to rewind at that part bc I wanted to make sure I understood that she thought time theft *wasn't* a problem. 30-ish minutes of it. Wow.

[@moodyspoint7377]

Eh that doesn’t matter lol if you can steal company time and get away with it I would implore anyone to do so because you’re always getting swindled one way or another. She was not receiving any benefits health insurance or PTO

[@mrscourtneyward]

Just so I’m clear: her dad works for metro, so she could have gotten her transportation For Free…but she’s taken the bus her “whole life” & now refuses to take said bus & pays $40 for parking

[@helenr4300]

no she refuses to pay that for parking so spends forever trying to get a better parking deal even though makes her late for work...

[@thekidd7]

Sometimes she clocks in THEN goes to take forever to find a parking space.

[@JimiSparx-yw3gb]

@@thekidd7 Who CARES how long it takes? She's being PAID to find parking, since she's clocked in!

[@poisonboost1926]

I started watching Caleb in June, I had 200$ in my bank account and $1.4K in credit card debt. Now I have a 3 month emergency fund established because of budgeting and watching people like her to motivate me!

[@redclayscholar620]

Funny enough I watch Hoarders for motivation to clean my house. 😅

[@adriandurlej9266]

Congratulations! I hope to be in a similar position in a few months. Keep going and good luck!

[@SydtheSquid112]

I just saved 1000k in my savings i started watching him last winter

[@andyf1235]

Awesome! Keep up the good work

[@thekidd7]

@@SydtheSquid112 you saved a mil?! Nice going!

[@JKRBW]

A mother took her into her home in exchange for childcare. I was already questioning the decisionmaking skills of that mother, then Tyler said her boyfriend moved in too and I have no doubt that is not a healthy environment for anyone. My thoughts are with the children.

[@parmawen8284]

My understanding is that she is supposed to care for the kids on weekends. Watch her go "I reuse to watch the kids when my boyfriend and I want to do something fun."

[@JKRBW]

@@parmawen8284 she also said she starts a Saturday job (at a university stadium?) next month. Not sure how that won't conflict with her weekend childcare job.

[@withalittlegrace9495]

I wonder if she can keep that job if she’s doing the Saturday football games 🤔

[@amyeastman8764]

I can see her saying “how can you expect me to watch the kids when I have work” meanwhile she’s living there for free with the expectation she cares for the kids on the weekend.

[@folan1974]

@@parmawen8284 That mother is never getting rid of the two of them. Squatter situation is in her future.

[@joesmooth4909]

Wise words from a social worker: Never work harder than your client

[@kenyahuddleston5904]

💯!

[@netizensarrest4241]

That’s good

[@joesmooth4909]

@@tk50000 you’ve clearly never worked in healthcare

[@willpestka2745]

​@@tk50000its to keep the support from burning themselves out trying to get someone to a better spot who doesn't want to change themselves

[@daniellebrackett4905]

It's the same advice for management. Don't waste too much time coaching underperformers. High performers want feedback and to do even better.

[@AriaIndy]

The bus part is CRAZY to me. I live in Miami and bought my dream car which at the time was a Jeep wrangler 4xe. I paid over 50k and kept it about 2 years. When I went on my financial journey, I realized it was costing $800 a month in car payments, $300 insurance, and gas/charging. I realized even if I took Ubers everywhere o go I’d still be paying less so I sold it which covered my 30k loan and had additional cash leftover. Now that I’m car-less, I started ube ring and decided to try the bus for the first time. Now I’m obsessed! It’s only 2.25 to ride the bus here and we also have a train near downtown. I got a $25 a month citibike membership and now I never have to pay or stress about parking, getting gas, car maintenance. I recommend this way of living so highly now!

[@eccentricfeminine]

Knowing Miami, it can’t be bad at all to move through the city that way. Yes there’s nice cars everywhere but traffic is horrible and there’s just as many cars that look insuranceless on the road if you know what I mean 😂 I’m glad to hear you were in the position and the mindset to make a big move like that! It’ll have a bigger payoff long term and you’re already ahead 🩷

[@AriaIndy]

@@eccentricfeminine thank you! Yes it’s actually been much less stressful not being the one driving in the traffic!

[@aleksandralis9134]

I am polish girl. I live 15 years in Warsaw and In addition to work, I drove as a passenger 3 times. I don't have a driver's license 😂

[@hadleystrainge]

taking the bus here in tampa changed my life 100%. it's so much less stress both emotionally and financially, i get to actually see my city and try new places, i can use the cable car too with my bus pass, and it's only $45 a month compared to hundreds of dollars a month i was spending on my car. we don't have citibikes here, we have the scooters, and even those are so much fun too

[@NiceNewtPerson]

I loved my city girl time when I was in college in Portland OR. I lived nearby all the best max train stops and I didn't have any stress riding bikes, taking busses, trains. I was Sooo stress free about transportation and obsessed because I could eat breakfast and sip my homemade lattes on the train to work or school. Some People looked down on me quite a bit because I didn't have a car, but they stopped laughing when they had maintenance issues, stolen interiors, always late to class or work because of parking, pay monthly apartment parking, and when they heard me say “Well, because I don't have a car I saved up $20k. As a sophomore. In college.” 😂 Right now where I'm living public transit is bad/inconvenient and I'm a giga camper/hiker so a car is necessary but I just need safe, and big enough to hold my gear.

[@katiep5256]

You can’t clock in and leave for 30 minutes. That’s basically stealing from the employer and that’s probably why they treated her like she stole from them.

[@zataishasims9732]

Exactly 💯, and she did.

[@Froghouse2012]

Yup. I thought that too.

[@dantelefeuvere]

It's like textbook time theft lol

[@poorogue]

It’s got a term, it’s called time theft.

[@joelmora2826]

I always shit on company time😂😂😂

[@luminous_lulu]

I work with adults that have mental disabilities and you'd be surprised at how much they can blend in like this girl. Most people think of down syndrome when they think of mentally challenged but on the other side is this. She may just be a person who has a 78 IQ and the cut off for receiving help is 70-75 IQ. From her past interview it doesn't seem like she has a caring mother. It's possible her mom never cared that she struggled in school and didn't try to get her help. When she said" I don't do math" and Caleb said " this is 2nd grade math" followed by her giggling it confirmed it for me. There were also moments where her eyes would gloss over and I knew she wasn't understanding what he was saying. It made me so sad. There so many people like this and without getting the right support they end up in a vicious cycle. I pray she finds the support she needs. Girl if you're reading this don't be discouraged. There is nothing to be ashamed of. Humble yourself and get help to get on track you're worth it.

[@dahliaherrod4301]

How do you help someone like that especially when they're pretty like she is? She's getting financial support from her boyfriend and who knows what he expects in return. My brother's in the same boat and I worry he'll find himself in situations like this too.

[@asecmimosas4536]

This. I think this is why she is so non-combative when he is yelling at her. But yelling at her also does nothing, which makes the episode a bit hard to watch. You can't yell someone into being smarter than they are.

[@TestMeatDollSteak]

I like how you expended about 150 words describing in detail how she is, essentially, borderline mentally retarded, and then you immediately followed that up with, “Girl, if you’re reading this, don’t be discouraged!” 😂😅

[@gregtitus9]

I also think she has a low IQ in combo with other unfortunate circumstances. It is really hard to watch - also she is lying and being deceptive often which doesn’t help

[@MakeMeEggs]

I knew it

[@Madeline_LAUGH5]

This was extremely painful to watch. I don’t think she has the cognitive ability to completely understand what Caleb was even explaining to her. As a viewer, it was very uncomfortable watching her struggle to grasp financial concepts. Her former employers “lying” was her probably misunderstanding what they had discussed with her upon being hired.

[@fc7307]

Jobs have contracts unless its illegal. She should have reread what she signed up for.

[@stephanies34]

My brother has an intellectual disability. He always thinks employers are lying to him or stealing from him because he misunderstands things and doesn’t understand how taxes work.

[@mike93lx]

​@@fc7307that is not true. Nearly all of the US is employment at will and most of it is not unionized

[@emmasarge4057]

I truly believe that this young lady is intellectually disabled.

[@maize3239]

I was trying to figure out what made me so uncomfortable about this episode, and you put it into words. Her inability to understand basic logic and what Caleb was saying was, frankly, heartbreaking. Most people on this show refuse to take responsibility, but she genuinely seems to not have the cognitive ability to manage being an independent adult.

[@mickeyfacee]

Watching her struggle to understand Caleb is like watching a Goldendoodle try to communicate with their owner with buttons.

[@niasanford]

This comment wins LAMO

[@jcolinmizia9161]

She’s not struggling to understand. She’s refusing to.

[@Hana.Behl-Lecter]

Honestly that's giving her too much credit

[@KatTomas]

this is the best thing I've ever read

[@kelsilynstar1404]

This comment absolutely slayed me hahahaha.

[@sarahmiriam3950]

This is sad. She reminds me so much of a coworker I had. We worked the same job, same hours, same pay. She constantly would ask me what to do with finances because I would be able to pay all my bills, take trips, buy what I wanted, and still had money left for savings. We'd have the same conversations over and over about packing a lunch, not buying coffees etc. And she 'refused' to give up pretty much anything. She would sit there and cry about how life is so hard and why is she so broke . Baby look in the mirror!! You're the one in control. Do something about it 🤷‍♀️ Anyway, my point being, some people are not able to be helped until they finally get tired of their own bullshit.

[@soapa4279]

Sadly people like this actually never learn

[@mccolk]

It's true. They have to get to the point where staying the same is more painful than the changes they need to make.

[@raechel0116]

Amen.

[@Howdy762]

so true

[@JessieRetro]

Perfectly said.

[@kaylapippitt655]

Can we please know what happened to her $18/hr dental assistant job that she spent $4K to be certified to do! I’m dying Caleb didn’t ask. There’s waaaaay more to this story. She’s had like 12 jobs in a year…

[@annipsy2185]

omg🤣

[@monicaloveslindy]

Oh my God I forgot about that part

[@stphillip89]

I came to the comments to find am answer to this

[@lilysue6381]

I was thinking about that the whole video!!!

[@Bfolks84]

And someone hired her to be a nanny??? A live in one at that!

[@amanda_elllis]

She said “they treated me like I did a crime” but she did…. What she described as “clocking in” at 5 and then going back to her car to find parking for 30 minutes while getting paid is TIME THEFT 😅

[@advithvashist9889]

Also she’s a host? Like it’s SUPER obvious if she isn’t there especially when it’s almost dinner time

[@amanda_elllis]

@@leroyj62interesting take. I think it would be easier on your mind and on your soul to simply not tolerate your employer to work you when you’re not getting paid if that’s what you’re referring to.

[@QuanHoang2x01]

@@leroyj62 there are rules and policies at workplaces. She admitted to violating multiple things... it is breaking the workplace's laws, literally.

[@anthonyrizzo9080]

​@@leroyj62if you can prove your employers are stealing from you, file a wage claim with the department of labor. Trying to play "money karma" on your own is just going to get you fired like it did this girl.

[@vlharmon]

I believe it was even worse than that since they barred her from the business

[@micalahcurry5391]

You know sometimes I get anxious about my finances but these people make me feel so much better about myself

[@KindaBlueInGreen]

Honestly if living in her car for 2 months didn’t wake her up she’ll never change. Brutal to see

[@fc7307]

At the rate she is going she will lose her car because she couldn't pay for it. Then it will even be sadder.

[@monicaloveslindy]

​@@fc7307that car getting repossessed will be the best thing to happen to her.

[@deirdrekiely6187]

It's not about "waking up." She's obviously got some intellectual deficit, she's "slow." This isn't about bootstrapping. She literally cannot run her life in any way. She needs a life coach literally by her side 24/7.

[@NewscasterNews4]

⁠@@deirdrekiely6187well she had one in her ex-husband and claimed he was “too controlling”…..gee I wonder why. Hope she enjoys suffering with her new deadbeat bf instead

[@hsl6488]

Sorry but I have to highlight just SOME of the red flags with this one: -Couldn't remember the plan from last time, took no action to find the video or email Caleb -Refuses to get rid of car she is in negative equity for -Refuses to pay for parking and refuses to pay for car insurance -Has access to FREE public transport that she ignores -Admits being late twice in first month of job -Admits to clocking in then leaving to park for 30 minutes - literally fraud. Doesn't consider getting there earlier... -Has a job that gives her free accommodation for just watching the kids on the weekend - yet has a Saturday job lined up from next month -Admits to texting from work ipad - doesn't see that this is fraudulent, just states that she forgot to delete it This girl is THE MOST entitled broke person I've ever seen. Everything is someone else's fault, she see's no issues with her own dishonesty or lack of effort and still refuses to take a job that is below her. I just can't with this one

[@hsl6488]

-Lived in car for 4 months with bf despite both working and spent the money on food -Not sure if bf is a bad influence - lives with her for free, spends her money, crashed her car

[@hsl6488]

-Refuses to take the bus, having never taken it -Annoyed that she could have easily sold the car but now she can't. Doesn't realise this is the consequence of her own decision. -Refuses to get a permanent cleaning job because it limits her free time. -Claims she didn't follow the plan last time because it required her to spend more money - not only ridiculous but especially confusing after earlier admitting she didn't remember any of the plan except the car -Takes advice from her dad as he earns $50 per hour - despite the fact he is in debt -Says multiple jobs misled her and she was fired for being late. Yet she is banned from the premises and admits she took the job because it was very flexible

[@d204b207]

Shes too dumb to know what entitled is. You can hear cobwebs when she tries to think

[@VicAndVann]

Adding to the "refuses to take the bus, having never take it" with her saying "I'm not getting rid of my car, I had to take the bus why whole life"

[@cooleobrad]

This probably sounds very rude of me to say, and I don't say it to be mean, but I think she legitimately has some sort of learning disability. She doesn't come off as having a big ego or being entitled, she just comes off as very confused and just drifting through life.

[@cristinanicoleangell]

A little conversation tip that may help if youre unsure if what you have explained is sinking in is to ask the person to repeat back to you what they heard. This helps alot in the therapy counseling field when people get defensive or want to make excuses, it helps them to pause and process what is being communicated to them and may help a lot in these sessions.

[@mymai5859]

Yes ... I was thinking that too. Caleb was spitting hard facts & truth bombs - & she was sitting there blankly. I was dying to know what she interpreted he meant.

[@phin2win]

Teach back metgod. We use that in healthcare

[@FireSilver25]

Great tip, thanks

[@wasubi100]

You can't help her she is stubborn and does what she wants. She thinks she knows best it is best to just give her plan a plan and hope she follows.

[@mogetit5999]

I agree. The problem is that Caleb is assuming that she fully understands what he’s saying. He gave her too much credit🤷🏾‍♀️

[@Toughmobilesprout]

The damage is on the back but her boyfriend says he hit a deer ?????? Good lord. This woman definitely has some kind of development delay. She needs more help than she can get via this channel realistically.

[@Dfthg-bz3hp]

Drift King

[@natecus4926]

The fact that “get a job” is part of so many audits is crazy to me

[@JetJockey87]

"i has a side hustle" Bruh, it's called a side hustle when you have a full time regular job that is helping you get by. The side hustle is what you do ON THE SIDE for extra money/ for fun.

[@beanman853]

Not having a job/one wich pays below market average probably results in financial instability

[@Zzz2x]

It shouldn’t be though.. obviously people who don’t work are gonna have financial issues. And I’m glad he gives them time, because he gives them conversations nobody else will have with them. And some people watching may be needing those conversations and also not getting them from anyone else, like me. So it’s very helpful except I do work and try to save. I just struggle with mental health and end up not working sometimes. When I do work I go all in working 6-7 days a week. I’m trying to get help. Anyways, no shaming!! It helps no one

[@RoxxiWalker]

@@JetJockey87right

[@Beth-pf6oo]

There is no way someone hired her as a nanny/babysitter and allowed her AND her boyfriend, essentially two complete strangers, to live rent free in their home. That's insane. She's a liar, and a waste of time. Caleb has a big heart but she's trolling him at this point.

[@andrewwalker9960]

so much shit sounds sus with this woman idk

[@Blake1720]

She’s covering form a dead beat BF. There’s more than enough proof.

[@Jp_vk]

Absolutely 100% agree with you!!

[@dbzownz12345]

@@Blake1720 still doesn't bar you from making money. Relationships fall apart from abuse & crap but that doesn't mean you get yourself into a car loan you can't pay for. I've heard of people eating themselves through depression, but intentionally getting yourself into having a car note you can't pay is a new type of depression for me? Feel free to correct me tho

[@Ragemonster69420]

​@@Blake1720she's just as deadbeat as him

[@JoJo-ie8sl]

If she's not allowed back on the property, there's way waaay more to this story about the job than we're hearing

[@fucuszullanti7877]

she stole

[@brandtc.7991]

She clocked in, then went to park her car taking 30 minutes on their time, which is practically stealing wages from a company, so yeah, they were pissed.

[@jeremygmail]

Where there is smoke....

[@ratsaladyummyyummy]

From the sounds of it she clocked in to look like she was on time then disappeared for 30min to go park, which is theft. You can’t get paid if you aren’t even in the building to work

[@lisahiggs9854]

It's called time theft Edited to use the correct term, I had initially used wage theft.

[@22onwheels12]

i think caleb helps more viewers than guests lol he just talked me out of a frivolous purchase and I thank him for it

[@xgqv]

i was JUST thinking, "the people who are really helped by this show, don't need to go on the show" bc they see this nonsense and say I WILL NOT die on Wal-Mart floor!

[@allysonhutchens831]

"like I committed a crime" um... time theft is a crime.. you clocked in then left to park your car and got paid while you weren't even at work...

[@HaroldBluetooth-uz1zz]

If she explained her situation to her boss they might have been a bit flexible.

[@ianberry5562]

“I only like to go up” says the woman that has recently lost her job, her housing, and is dangerously close to losing her car. Beyond delusional. This is the most hopeless audit I’ve seen. And it’s her 3rd time being on!

[@Str4yshot]

Yea for real. Having a large emergency fund and no debt gives you the luxury to take some time to find the next job in an unexpected job loss, she has neither and just needs money rolling in.

[@amyeastman8764]

“I’m working on getting side gigs” says the girl who doesn’t even have a job to have a side gig

[@TonyCox1351]

@@amyeastman8764she actually said she’s “researching” side hustles which is somehow even less committal than “working on it”

[@amyeastman8764]

@@TonyCox1351lol that’s right! Researching side hustles meanwhile not even having a main job in which to have a side hustle. 😂

[@ianberry5562]

@@amyeastman8764 to be fair she lost her job yesterday, but the lack of panic (at least outward) in her is incredible

[@seansean1709]

You already know when people ask her why her finances are so bad she tells them "I try but Caleb lied to me".

[@reevawebb229]

She wouldn't be wrong saying that.

[@tyreejones1074]

@@reevawebb229what do you mean

[@chefraf9459]

@@reevawebb229 what u mean just wondering? out the loop

[@dakota.goes.outdoors]

@@reevawebb229how so

[@salabbasi3422]

@@reevawebb229how lol

[@joseveliz218]

Can’t stop watching these. Caleb I gotta say one huge plus I have to say about you compared to many other financial literacy pages I see is that you are sharing the information and also not TRYING TO SELL A SERVICE. By simply watching these videos I am getting a backseat session and slap in the face I need. Thank you.

[@getfitelementary3206]

i've seen all three of her episodes... Caleb, that girl has an intellectual disability. I teach special education for middle and high schoolers. She has an intellectual disability. She struggles with executive functioning. So no matter what you say or how you lay out the plan she cannot follow it. She literally needs more handholding than you can provide.

[@emclaire18]

How does someone like this actually survive in society as an independent adult? Do they need a guardian? Genuinely curious.

[@margaretcorinne2820]

@@emclaire18so if someone has a disability that impacts their daily life activities to make it unsafe for them to exist on their own yes they would most likely need a guardian. Looking at her situation, (based off of these 3, 40 minute clips so not a perfect science) she just needs more consisten help than Caleb is able to give her. Her best bet would probably to work with someone like Caleb weekly or every couple weeks to try to check in on her finances and her life in general.

[@tear728]

​​@@emclaire18they don't succeed. They remain in poverty with just enough to live because that's the level they can operate at. Then they have kids and the next generation has the same problem and so forth

[@lalimoreno1]

Thank you for just saying it. I've worked as a para and services coordinator and I immediately thought, "IEP".

[@getfitelementary3206]

@emclaire18 no not "guardian". She just need her parents to step up and monitor the situation. So far her mom takes advantage of her and her dad tells her things (that are accurate) but let her make her own decisions. Neither parents step up to make sure she isn't being taken advantage.

[@jlane03]

I feel like she heard someone say "corporate America lies" one time and she's decided to blame everything in her life on that since.

[@eleo_b]

She’s not even in corporate America. She works in bars and casinos, not for a bank or law firm.

[@Drakex1989]

This girl is proof that some people are just not able to operate in a modern society. I don't know what you do about that, but this girl's entire life is going to be this on repeat until she dies.

[@peacejoylove8542]

Yes, i agree she has made her fair share of straight F-ups. But I think modern society can use some re-evaluating when it's constantly sending kids out into the world, telling them they're adults now without fully teaching them these important aspects of adult life, like finance management, instead of making sure they memorized the Pythagoras theorem.

[@frogfinance4605]

she'll eventually find an idiot smart enough to pay for her until she gets knocked up, then mooch off him for life. She thinks and speaks like a thot

[@becky2235]

​@@peacejoylove8542I've said this for years I had no idea about budgeting and bills but had to learn alergbra!

[@feliciavale4279]

I think I heard Jordan Peterson say once that there may be as much as 10% of the population that are destined to have a detrimental effect on society (like take more than they give/produce kinda thing), and when I see people like this I believe him.

[@Smogne]

@@feliciavale4279 That's on the IQ spectrum talk no? 10% of the population have an IQ lower than the minimum bar for most productive endeavors (Around 83 IQ i think). She's not into that line, shes fully functional, just not at all organized and have little to none self discipline or long term planning. People like that are a heck more common than it looks like... some learn, but others either live like that forever or find someone that guides them through life... they just are not very fit to a modern life style (that is much more complex than, lets say, a peasant life before the industrial revolution or a tribal life... for the absolute majority of history human life was a lot more simple).

[@triplebee3]

A part of me feels bad for her because her parents clearly didn't raise this girl. Like they fed her and kept her from dying, but it's so apparent they didn't care to teach her a fucking thing.

[@Eleese__]

Yup. Spot on.

[@bojangles1614]

This can’t just be entitlement issues. This has to be some kind of learning disorder at work.

[@VickyAdams-rw9ef]

She does seem so out of touch with reality. I thought she might be on some kind of substance. I just can’t with some of these younger people. My dad was in WW11 at 17 and worked until in his 80’s. I have no sympathy for excuses unless they are truly low IQ. We were taught to be responsible by age 18. Caleb has certainly tried so hard with her.

[@vidyagyde7498]

I'm sure she would love to be diagnosed with a learning disorder, then she'd have 1 thing she could blame everything on. Doubt she has anything though, she just comes off as lazy and stupid

[@jilianemorales2074]

@@VickyAdams-rw9efShe’s probably smoking weed.

[@atrocitasinterfector]

40 IQ is my guess

[@SamtheCanuck]

​@@jilianemorales2074 not sure what that has to do with things. I can assure you weed has nothing to do with the ability to be an adult or not.

[@LiquidNCAK]

When she said she could take the bus for free but still refuses to take it made my jaw drop. She even said all of her wages are going to her CAR. She could've sold it, bought a place and some food, and saved that money by using a FREE alternative.

[@TheIronChainMaster]

Yeah the buss pass thing was it for me. Anything she says after is just BS excuses and nor wanting to take accountability for anything she does

[@baconoftheark]

I'd love to get a free bus pass from any of my jobs. My uni gave us discounted bus/train passes, and they lasted 3.5 months. I used them multiple times a day for commuting to work/uni and days off. People aren't grateful that they get such luxuries living in a western nation...

[@susanclaire901]

She clocked in and THEN took 30 minutes to park her car. Any boss on earth would fire you for that. (Also, "thinking positive" will get you nowhere).

[@kerripatterson7117]

Sounds suspiciously like "thoughts and prayers". While thinking positive is great, I love that he mentioned that it goes with action. Positive thoughts alone will absolutely not pay the bills.

[@soapa4279]

She constantly says she's "trying to be positive" while having a negative bank account. The irony.

[@potato1084]

@@soapa4279Coping mechanism. Like religious people trying to justify people using them.

[@TonyCox1351]

She’s not just thinking positively, she’s also praying & researching side hustles

[@veri.contrary]

yep; thinking positively without also making a genuine effort behind it means nothing. she ‘refuses’ so many things but can’t make an alternative plan work, so im not sure where she thinks she’s going to get. she’s not being realistic and thinking she’s above certain jobs for this or that reason. people like this have an excuse/problem for every solution and it’s EXHAUSTING

[@notapplicable3167]

“Can you just tell me why you haven’t fixed anything?” “Like name it” 😂😂😂

[@pabloescobarschanclas]

there’s only so much you can do for people like this. some people are just incapable of change. she’s more than likely going to struggle like this for the rest of her life.

[@YourRav]

FOLLOW UP EPISODE!!!! So excited

[@mssophiad03]

I get the feeling that she was lying about how transparent she was with her employer telling Caleb that she did call in during her crisis and about parking.

[@fucuszullanti7877]

you didn't even watch the full episode when you posted this bot comment

[@Lighboat011]

Bruh you didn’t even have time to watch it😂

[@asdax8311]

They are the same people who say stuff like "we live in a white, colonial patriarchy."

[@yearoro]

Girl, even professors have to pay for the university parking in order to get to work. That’s how life works

[@ambunnie9972]

Seriously, if she doesn’t want to pay for parking then she doesn’t belong in Texas. She needs to get a real job and move somewhere else

[@rachelpaintspoorly2111]

The guy who worked the counter to sell university parking passes for the parking pass company had to buy a parking pass. He told me that's why he takes the bus.

[@a1ntcry1noveru]

@@rachelpaintspoorly2111 haha, that was a fun sentence to read

[@NewsFlashJustIn]

Exactly you factor that in when looking for the job. If the parking/commuting costs make it not worth it, you dont get the job. No one taking the job makes the company offer better pay, to where it becomes worthwhile for the employees.

[@OfBrysonMen]

Exactly. If she doesn’t want to deal with the downsides of living in a large city, she should move to a rural community where she could literally park in the parking lot of her place of employment.

[@whitney2548]

I've never seen Caleb so defeated, it makes me sad. There's only so much you can do; people have to decide for themselves to step up and make changes.

[@donovanchilton5817]

She makes me sad.

[@djbledsoe5983]

Facts

[@OldsmobileCutlass1969Va]

You can lead a horse to water... But you can't make it drink! No matter how many buckets of water you take them to!

[@OldsmobileCutlass1969Va]

​@@everythingismeh1945She can't claim ignorance... This is her 3rd time on this show in 1 year!!!

[@midwestmack785]

When she says I've been praying on it told me all I need to know about how this is going to continue to go

[@engageintellect]

You should do an audit of her parents. Interested to see who molded this one.

[@japanesecinema6736]

Exactly. Someone failed her Im sorry

[@FireSilver25]

Yep they have a lot to answer for

[@kye6381]

@@japanesecinema6736 I feel like EVERYONE has failed her. Minus Caleb of course

[@Cattlynt]

I have a feeling it will be deja vu

[@rikkifashionhouse6592]

I understand that everyone failed her but she has been there twice and still chooses to do whatever she wants. At what point is it on her? When you don't know better that's one thing but to know better and do nothing is another

[@joeyk3134]

If she hadn't gotten fired so quickly, she might have asked what other people there did for parking. It would be funny if they had a parking area specifically for employees but she just never bothered to find out.

[@heychrisfox]

She'd probably "refuse" to ask for help, because that would show her weakness or something.

[@MonkeyDwuffy]

She’s not rich enough to refuse to do things. Plain and simple.

[@adamseidel9780]

Anybody can refuse to do things. Within reason. You can refuse to work a job where the boss is a jerk and get a different job. You can refuse to walk on a certain street. You can refuse to drive a certain type of car. You can’t refuse to basic things, like work at all, take any form of transportation you can afford, or ignore math.

[@slconstable]

“Financial wealth means you have options.” This was told to me by a billion heiress that I worked for years ago. Sage wisdom by a great lady.

[@adamseidel9780]

@@slconstable in this girl’s case, simply the option to not live in a car

[@fc7307]

@@adamseidel9780 This woman refuses to get a job that doesn't pay at least $20 because she refuses to go lower that what she previously made. And she only wants a job that can give her flexibility. And free parking.

[@AlwaysbeingLu]

I'm 9 months late on this, but as an adult my heart is absolutely crushed watching this. She doesn't understand anything, so I can't tell if it's education or cognitive issues. She was married? It sounds like she was taken advantage of her whole life. I must be so naive that I didn't realize people out there were this bad.

[@clbrooggy4176]

This poor girl lacks an incredible amount of common sense and foresight. I genuinely hope she comes to terms with the fact that she HAS to follow guidelines written by others.

[@brandijones2007]

I was trying to think of a nice way to say this! You did it for me-Ty

[@Jane-yg3vz]

She also lacks accountability.

[@clbrooggy4176]

@@Jane-yg3vz it's all related to immaturity.

[@jmb9701]

I think she's just mentally deficient... this I'd what happens when this kind of person has no support structure and no role models.

[@JacobBitner]

You can see the borderline down syndrome in her face

[@TheRealMjb2k]

Caleb last met with Tyler 7 months ago, and at that time she was in school for a Dental Assistant certification while working as a Dental assistant. So what happened with that job? Her goal was to use the certification to earn higher pay but for some reason she decided to move to Louisiana and work at a casino around the same time as that episode. She was also living with her mom and then I guess as a result of all this she became homeless and lived in her car. Now she’s back in Austin living at the place she’s a nanny at, not with her mom, and took on another job and once again lost it. Someone tell me how this makes sense.

[@hopekorf6729]

DRAMA

[@nicodav]

@@hopekorf6729 She met the new boyfriend 7 months ago. I assume he was the reason she moved to Louisiana

[@darrenturner3534]

Shes a quitter. When things get hard she stars her "i refuse" bullshit and ends up quitting things.

[@SofaEaterLovesYou]

Lies. All lies.

[@courtneya2207]

Moved for her bf for sure - gut wrenching that people live like that

[@pohau80]

The fact that she experienced homelessness, given a second chance and STILL doesn't have a mindset to bootstrap her life and get her shit together is amazing to me.

[@Kayla-hs9rt]

Exactly. That’s why I don’t feel bad for a few homeless ppl. They’re just rejects from society who were not responsible enough for adulthood 💯

[@oliverkloezoph69]

Can't fix stupid

[@helenr4300]

The point of the pull yourselves up by your bootstraps image is that that is physically impossible. However this individual seems to not understand the practicalities of working in a city centre, like parking costs, and if there is a bus option do that. Certainly don't clock in then go AWOL for half hour to go park - that will get you an angry supervisor at minimum; or outright fired as was valid.

[@madeleineshort5512]

I just found this channel and I'm in a big hole of credit card dept and personal loans 40K about, and after watching this for the past month I have cut up my cards! I have been applying to over five jobs a day to get a third job and set up a real budget with a plan to pay off the cards by the end of the year and the loan the following year. Watching this has lit the fire under my ass!

[@helenr4300]

big job but good on you for facing it , and hearing the guidance

[@Eleese__]

Good luck! It’s been 7 months since you left this comment. I hope you’re still working hard to be debt free. Update us!

[@alexcisneros2980]

Same. I saw myself a lot in these people and I realized how mentally hilarious I was being financially.

[@prestodubbz]

If I had a dollar for every time this girl “refuses” to do something, id have enough to pay for her parking.

[@WhoaNellyJake]

She’s 24 going on 14. That’s the truth. There has been no one in her life forcing her to understand the way the world works

[@turtleanton6539]

Yuuup😮

[@sammiehoagie]

Caleb, I'm only 11 minutes in so maybe you address this later, but you missed that she clocked in, left to go park her car, and was gone for half an hour. She literally stole wages from her employer and was shocked that they said she committed a crime.

[@mmarano203]

Some people take zero accountability. If it takes 30 minutes to park then get there 30 minutes early, it is not the employer's issue.

[@Sara-ri7qi]

100% this, she was so upset that they “treated her like a criminal” and told her she couldn’t go back in the building like… yea that usually happens when you try to get paid for time that you did not work.

[@allisonwanderlust3998]

Came here to say this. How did she not get that it was wrong. If you know it’s tough to park, come in 30 minutes early

[@norayr989]

Exactly I was thinking the same !!

[@christ3831]

Don’t forget she used her employers equipment for her personal txts and “forgot” to delete it. She deserves to fail

[@happyhermit6197]

I'm so tired of the toxic positivity stuff. So much of it is a flat refusal to face reality. It's not a good thing to "be positive" about negative things. They're negative for a REASON. Shame also gets a bad rap. You SHOULD feel shame if you're doing things that are SHAMEFUL. That's the whole point. Feeling shame feels bad so you quit doing the shameful thing!!! I'm so tired of this part of our culture. People like this are exhausting.

[@cdboyce17]

When she said “I’m staying positive.” I said “But your checking account balance isn’t.” 😂😳

[@adriandurlej9266]

LOOOL thats so good 🤣

[@jessicamckitrick7304]

Omg 😂🤣

[@frootypie]

😂

[@Flyingdutchman123]

Lol

[@nitab7706]

😂😂😂😂😭

[@prjoe95]

There is no way I would ever let this woman watch my children. Who would ever hire her to be a nanny and then let the boyfriend also live there??

[@annekeyes3089]

Yeah, I feel like something is sketchy about her living situation.

[@adamseidel9780]

Somebody send that lady this video so she kicks her out the hell away from her kids

[@annab8317]

100% I feel like her employer might not even know about the boyfriend

[@michaelrodriguez9275]

Exactly! It scares me to think that she's left in charge of children and their well-being.

[@jayjay210197]

Sometimes you don't realize how stupid a single person can be until after you hire them

[@courtneyfoster9350]

I almost threw my phone across the room. People like her drive me INSANE. 🤬🤬no accountability, endless excuses, and a complete pain in the ass. My head hurts. Bless you Caleb

[@lordfarquaad6339]

Yeah this type of person isn’t entertaining and I click off pretty quick

[@Silidons91]

She'll keep voting for Dems and blame racism.

[@nickydaley345]

What does politics have to do with the financial discussion...stay on topic.@@Silidons91

[@eegernades]

@@Silidons91 hush. dems > republicans until they get their shit together

[@egavasr8462]

​@Silidons91 go ahead and get that racism out, I know it makes you feel better about yourself

[@Suplee2]

"Bus, without a car?" - Holy shit. Don't want to sound to be mean but holy shit. That clip. JFC.

[@alyssaoneill3070]

He cut out the part when she thought he meant bus as in hustle

[@JamesHesky]

She needs way more psychological help than she does financial help. I mean that in the best way. I hope she hope she gets the help she needs.

[@QuanHoang2x01]

Sometimes, it is not just psychological, it is biological, aka intelligence. Like the bottom 10% kind

[@deirdrekiely6187]

Yeah, something is off intellectually with her. She really needs someone to run her life for her.

[@lm1534my]

​@deirdrekiely6187 For sure. I wonder is there some sorta collab they can do with a match making KZbinr to set her up with a smart, financially secure guy who can take charge and take care of everything. Knowing her though, she would not be interested in him. That's probably what she had in the first husband who was " controlling ".

[@nataliazakula3400]

Therapy can’t fix bad attitude and stupidity.

[@killaskunkapes]

X😅 22:36 and

[@sarahnicole3641]

Her: I’m staying positive! Caleb (internally): It would be great if you could stay positive in your savings!

[@AbidingHopeMentalHealthCoach]

I keep thinking this as well. Her attitude isn’t as important at the moment as her bank balance!

[@YourFavDieselTech]

I stg I was thinking the same thing 😂

[@thekindredstoil]

her: “I refuse”

[@fandomstudio5849]

It's crazy to me how she's saying 'I refuse' when she's clearly not in a position to refuse. Even though she's experienced homelessness she's willing to put herself in that position again. I don't see how things can improve with that mindset.

[@heychrisfox]

It's, unfortunately, a problematic viewpoint from a Christian mindset. When you're told everything will work out because "God will find a way," then some people decide to offload all responsibility onto God. It's the actual "Jesus take the wheel" meme. The issue is, if there is a god, everything's going to work out IN THE AFTERLIFE. There's no guarantee he's going to improve your actual life.

[@twisted1ce]

This is what happens when people learn about credit, but don't do the due diligence to learn about how to use credit. There are ways to use debt to your advantage.

[@zach507]

She needs to feel starvation imo. That has a good chance of kicking her back into some sort of responsibility

[@Fundipped13]

Coming from the last video, you know what would have helped avoid that parking situation? GETTING RID OF THE CAR AND TAKING THE BUS!!!

[@brandonauchterlonie9956]

You can tell he actually cares about the people he talks to and wants to genuinely help. Not just set up a plan and tell her to get lost. Caleb is one of a kind.

[@perdybirdie]

Unfortunately I think this one is and Caleb needs to cut her loose. There's not much hope here without professional help

[@SamM-xg8lb]

As someone who has seen all three episodes with this guest (back when she was an aspiring actress) this was such a sad and frustrating one to watch. I’m genuinely concerned that she doesn’t really understand or comprehend what Caleb is telling her. She needs serious help and I hope she figures it out before it is too late ☹️

[@MatthewBaran]

It'll get worse sadly. Much much worse :(

[@joycef8443]

I think she has a really low IQ. I do not know how she could get a job as a legit actor. That involves a lot of reading, memorization and being on time! Cannot see it!

[@randyspears9827]

I agree. When she asked if she should "get" a credit union at the end of the interview, it was clear that she wasn't tracking what he was telling her

[@globalphenomena6979]

​@@randyspears9827that to me solidified that while he's talking she's just thinking, I used to be like this myself I think she should get therapy and remain on government assistance for awhile, she's not an adult mentally

[@globalphenomena6979]

What happened to her dental hygienist job??

[@morgan_kemp]

As my mother always says, "once is an accident/mistake. Twice is the beginning of a pattern. And three times, it's part of your character."

[@KT-zd3vl]

Love this! I’m taking this to heart.

[@SubscribersHelpline68]

±𝟏𝟖𝟎𝟔𝟐𝟎𝟕𝟖𝟕𝟔𝟗⊥👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾 💬💬

[@flyinggeckos123]

Love that.

[@a-t5380]

I will be using this today at work with an employee who is calling out bi weekly.

[@turtleanton6539]

😊😊😊

[@seblegraham7021]

I just discovered your page and am obsessed. I am a huge comedy fan and appreciate that you are naturally funny while being very well spoken and informative. Here for it! ❤

[@seheine]

“they treated me like I did a crime” - she DID. leaving for 30 mins while on the clock without permission IS stealing time from the company! Caleb’s compassion is so admirable. Being able to sit across the table from someone like this is wild to me. I think I would’ve lost it within 5 minutes.

[@RealSnoob]

Yep Payroll fraud is a real thing.

[@ryanlowe7315]

That is not a crime lol go retake the bar exam maam

[@Conssumed]

What’s hilariously ironic is she eats maccas… they wage theft workers. She not only wage theft that job she got fired at she supports wage theft by eating McDonald’s!

[@FormerPessitheRobberfan]

@@ryanlowe7315 it is a crime. A misdemeanor but still a crime.

[@ryanlowe7315]

@@FormerPessitheRobberfan go back to googlin lil bro

[@larryburgess3313]

She said I punched in at 5 and went to park my car and it took 30min. That's time fraud/theft. Always immediate termination but on top of previous late days in 4 weeks, no surprise.

[@hayleydavis7562]

“They acted like I committed a crime!” Yeah sweetheart you did 😂

[@stikfamaster2]

And yet nobody complains when companies commit wage theft against employees 😢

[@vonzaag4555]

And she used the company iPad to text her bf

[@Kevin_Newin]

As someone who watched the previous two audits, it's very gut wrenching to see the lack of progress/negative progression after a year. Honestly just hoping she finally works hard to get out of her situation

[@hiteshadhikari]

I dont know who is more slow You or her

[@Alan-jk1yi]

@@hiteshadhikari Believe it or not, not every person wishes the worst for someone just because they have made bad choices in their life.

[@josejimenez896]

Narrator: she refused to

[@TanyaScorpio]

I'm wondering if the elevator goes to the top. I'm trying to figure how she made it through school.

[@JoseMadrigal-b7n]

I’m curious how that one kid is doing the one that was claiming he would become a KZbinr and all

[@bladynebula346]

The fact that $15/hr was “I don’t want to go down” was mind blowing 🤯

[@dianyadira]

She reminds me of my sister. You can't help people that don't want to help themselves. I offered to pay for my sister to do a vo-tech course if she got her GED and all she ever says is that she can't afford the GED prep book. So I ordered her one and she "lost it".

[@quatrevingthaha]

i would love a full storytime of this - what the heck !!!!!!

[@Blake1720]

It’s her man. You can tell she’s paying both their ways and making excuses for him.

[@patpeifer7871]

You are a good person for trying to help.

[@TheFiendishFive]

Bro i don't think she doesn't want good things, the problem is she literally cannot understand words and basic concepts

[@NewscasterNews4]

@@Blake1720which is her own fault if she’s dumb enough to stay with and pay for him when she’s not financially stable herself

[@kellyspaghettti]

I genuinely wouldnt be surprised if she has a cognitive impairment. It feels like her brain is literally not processing what Caleb is saying. She needs much more intensive support than anyone can provide in a couple hour

[@hofterup]

I meet so many people like this one, and I think that if they had been held back once in grade school they might have had a chance in life. Social promotion does not benefit children or the world (but it does save schools money in the short term).

[@MrBlackPositiveandInteresting]

Yeah somethings not right.

[@seann2769]

Yeah, I’ve worked with patients in the hospital who had cognitive impairments. The flat affect, the lack of responsibility, the inconsistent sort of responses, lack of orientation to reality, etc all make me a little suspicious.

[@Stefanitza27]

She may be eligible for Social Security Disability, she needs a some help.

[@KDu400]

No, it’s called ENTITLEMENT! she’s fully aware of her situation but feels like she’s above it 😂 I think like you’re like her.

[@Nachos_n_tacos]

I only just started watching these videos and I think Caleb is compassionate, knowledgable, and insightful to a variety of financial situations. I hope there is a video in the future of an individual / couple that has their finances in a great position (no credit card debt, emergency fund set up, no car debt, etc.) but behind in the retirement and the investment side. It would be an interesting angle to see where to allocate money when not starting technically in debt.

[@aubreytheweirdone]

This was honestly the hardest episode for me to watch. Between Caleb caring more about Tyler’s situation than her, the lack of accountability on her part, and the overall benefits she has access to that she is declining (like the free bus pass) because she refuses…truly disheartening to watch. If living out of her car didn’t scare her into better habits, I’m truly terrified for her future. I hope the best for her though ❤

[@jonathanjohnson1718]

@@wordsalad01I absolutely agree with you on this, it feels like she’s not understanding a single word coming out of his mouth…

[@TonyCox1351]

@@wordsalad01Caleb needs to put his steps in a written list and hand them a piece of paper. It sounds like they just leave after the episode stops recording and would need to listen back to the episode for the step by step guide. That might work for normal people but no one gets into this position because they are having a normal one…

[@trailertrish]

A guy I’m friends w let his ex move in w him this week bc she was living in her car. Like bro, the codependency has got to stoppppp “sHe DoEsNt HaVe A jOb” she could literally go to an agency and get a job by the end of the week. People need to stop making excuses for other people’s stupid decisions.

[@AaronBurr04]

@@TonyCox1351 It's come up more than just on this episode, too. It's honestly a fair point and one that I'm sure would help make him a more effective coach. There's also a psychological 'passing of the torch' type affect to actually, physically handing them a piece of paper.

[@TonyCox1351]

@@wordsalad01 yeah Caleb needs to break it down to an absolutely ridiculously basic level. Like when he says “contact the three credit bureaus” she is going to have absolutely no idea what that means or what to say when she contacts them. Caleb would literally have to explain what a credit bureau is, how the work, why you should contact them, and then practically write out an email for her to send, because she wouldn’t be capable of crafting it herself. And even then she’s not going to do it but at least it’ll give her a fighting chance.

[@pippetandpossum]

She clocked in (so she was getting paid) AND THEN went to park her car... then she says "they were treating me like i was commiting a crime" Ma'am. YOU WERE.

[@shanicecruz1331]

Right! That’s legit time theft

[@kujas]

Not really time theft is legal

[@bryancrane821]

Yes, Where I live time theft is just theft, which is very much illegal.

[@regret2informu991]

Theft of time and misappropriation of company property by misusing iPad for personal emails, lol. I wouldn’t hire her. Hopeless.

[@Obsidianone831]

Oh my God. I was looking for this comment. She has no idea. Literally. She got fired for clocking in then leaving for 30 minutes to go park her car. Probably no one knew where she was even though she was on the clock, just started a month ago, already late twice. She was hostess, so no one was watching the front area to greet/seat people. Like what is she thinking?

[@stargrrl__]

i would've been done after she said "i honestly couldn't remember anything we went over." caleb has so much patience

[@Splif128]

im about 12 episodes in since i came across this channel and so far, this one in particular shows the incredible passion Caleb has for helping people, even if they are oblivious to the severity of their situation.

[@kelseylloyd8801]

Even if her ex-husband ruined her credit, she's very capable to do that all on her own

[@AbidingHopeMentalHealthCoach]

My thoughts exactly!

[@synesthesia2699]

25% APR 😖

[@ScarletBrimstone]

I don't think the ex was the only one in that equation.

[@thekidd7]

Mate, I don't believe a word that comes out of this girl's mouth. I honestly believe she is completely disconnected from reality. I wouldn't be surprised to discover, with more digging that she was the chief architect of her own downfall.

[@billrich5217]

Listening to her for 5 minutes you can figure out she was probably the main problem

[@cgg82us]

Her constantly saying "i refuse..." reminds me of what my pops used to tell me all the time. "Pride is a beautiful thing, if you can afford it!" Which she clearly cannot.

[@Driver8takeabreak]

After about 5 minutes I fully expected this to be a 10 minute video. I'm impressed Caleb kept this going. This is like pulling teeth.

[@justinsnider9772]

After watching a few of these videos, I am even more grateful my father preached financial literacy to us from early childhood so much. For the longest time I just assumed it was common knowledge and everyone had it. But it’s pretty astounding how many Americans are making it to adulthood without the slightest inkling of how to manage their finances. Please teach your kids this stuff early so they don’t have to learn by trial and error.

[@brianchung9876]

Her refusal to make short term sacrifices is mind boggling. Her lack of responsibility plus social and financial stupidity raises my blood pressure. I’m applying for sainthood for you.

[@John-ru4gz]

She has a low IQ. She also has no guidance and no support system.

[@kingberry100]

She got a low IQ

[@drtij_dzienz]

I feel like people decide their living standards based on their previous xp and opinion, regardless of their current financialsitualtion. Few people want to admit they are so poor they have to take the bus, cook all their own meals, etc.

[@elprimo3041]

Man this woman is the true definition of " the lights are on but nobody is home" she is not the sharpest knife in the drawer but she is definitely a spork🤦🏻‍♂️😂

[@tishreni5183]

She's mentally ill it seems.

[@wackybrattyx]

Lol that’s the problem! I think she’s genuinely not that bright. Like, I’m so mad but…I don’t even know if I can be mad directly, because she literally DOESNT GET ITTTTT

[@SeiyaSoiya-un4jj]

Willing to bet everything I own that she just doesn’t get it and blames her struggles on “capitalism” or “the patriarchy”.

[@wackybrattyx]

@@SeiyaSoiya-un4jj You sound like an incel. Randomly bringing these things that have nothing to do with the episode to have an excuse to be a misogynistic. Get a life lol.

[@taters2883]

"The mall is open, but ain't nobody shopping."😂

[@jessymv65]

She DID a crime 😂 she falsified her time card. That’s fraud

[@BigTonyOfficial]

Bro I thought the same thing when I listened to that and immediately scrolled through the comments to find someone else who caught that 😂😂

[@user-nq5be9fz1g]

That 30 min was prob more like an hour n a half this chick is super annoying to talk too

[@strangevisions5162]

why couldn't she show up 1 hour before work to find free parking? This is assuming she can't use public transportation.

[@magicjohnsonsmagicjohnson]

She got more dollars than brain cells, and that’s really saying something

[@alephnaught8343]

bruh

[@mcwaker1]

lol😂

[@lhughes6656]

Yo, she's ACTUALLY stupid. You don't meet too many bonifide morons and she's definitely one of them. I'm surprised I made it to the end of this video. I don't know how Caleb did this three times cause listening to her makes me wanna bang my head against the wall.

[@57ashdot]

Based XD

[@maceroee]

Lmao funniest comment yet

[@PolicyPulse48]

I remember watching her videos quite a bit. It's like seeing the concept of victimhood being at full force. This is very heartbreaking to see her like this but it is clear that she hadn't learn a single thing from last few videos.

[@luckelea]

Same. I just rewatched her videos recently before this update was posted and it seems as though she doesn't understand Caleb; from her first episode. I think she may have trouble with comprehension with the questions.

[@maticb]

She literally blamed "Corporate america". Classic victimhood.

[@soapa4279]

She's never going to learn anything. Her favorite word is "refuse"

[@bng229832]

I think she’s a bit slow. She does not seem to grasp much of what Caleb is saying. Doubt she has a perfect understanding of what’s going on in the world around her either

[@maticb]

@@bng229832, yea, she was probably taught this sort of victimhood blaming everyone else (family) and she doesn't even comprehend it. Sad to see how one's life can be so dominated and ruined by just a few decisions. I mean she doesn't have that much debt, she has the car and some collections? Like she could be out of it in a few months if she just buckled down.

[@marcellom]

Ok so she kind of brushed by this, but it seems like she was consistently late for parking, was reprimanded, and responded by running in to clock in and THEN going to look for parking for a half hour. That's time theft, no wonder they told her not to come back.

[@JoseFlores-xh5cj]

With her victimhood mentality, I feel like she wouldn't be far off from accusing her employee of racism

[@Outworlder]

I think that's spot on. She must have thought she was so smart - she would never be late if she just started the clock! Genius. And they were probably very aware and watching her.

[@KendraKingery]

Spot on. I also live in a touristy pay to park city. This is exactly what I think happened.

[@amorky8391]

The disconnect with life is so strong