Lamiya Financial Audit Follow-Up | 5.16.24

▶Original episode: • Her Parents Stole And ...
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[@financialauditfollowups]

Original episode: kzbin.info/www/bejne/rWrMfn5ur75-oNE

[@harmungus]

Awwwww Yisssssss 😂

[@PinkCasualty]

Yessss thank you!!!

[@lucas2884]

Caleb, I would be a great middle ground guest that people ask for, limited debt, decent income, kind of own a home, only 26 years old, good speaker but don’t ramble, don’t want clout just want to meet you and give people hope. I wouldn’t even use my real name

[@pillow612]

Clutch who ever agreed to link the OG ep deserves sum backshots💯💯💯💯

[@drea409]

Thank you for the link!😊

[@Lostincircles4alltosee]

She looks actually happy. I'm glad to see it going well for her. Her back story was thoroughly depressing.

[@AlphaQStoopid]

I nearly broke when she mentioned the thing with her brother and not wanting him to worry due to her family issues

[@MatthieuVincenot]

Yep, it's a different person, upbeat and optimistic! Made my day!

[@SpoonHurler]

When I first saw her I thought it was a different person. Crazy how much better we all become not being dragged under from debt.

[@TheDrewsperience]

Lamiya is one of the guests I genuinely rooted for. So happy to see her progressing and being disciplined

[@rachaelgoldstein6134]

Can you tell me which video is her I don’t remember hers?

[@rebvanwinkelstein2578]

​@@rachaelgoldstein6134her dad took money from her to pay his parts of the bills and she had to pay for her siblings (the spotify- account.. )

[@Phoenix11720]

​@@rachaelgoldstein6134look in the description

[@JackPunter2012]

@@rachaelgoldstein6134 There's a link to it in the first line of the description

[@I2oseTheory]

It’s always in the video description

[@shahub5]

You guys should straight up make the thumbnail the original for the video and then put "follow up" diagonally in all caps across the thumbnail

[@MrCrazykicker]

yeh I was just gunna say, these thumbnails atm just ain't it

[@ravemdparis]

He don’t care

[@lothargloss]

Agree! Also why don’t they use the studio. I kinda hate the office backdrop

[@dredayyyyyyyyyyy]

agreed!

[@allanduh]

Totally agree. Even a quick cut of the most “dramatic” or notable points of the video for first few seconds to prime us for follow up would be great too (not impossible to get for future episodes since shorts are becoming more and more built) It’s distracting to stop the video because I have to go “oh yea, it’s this person” by searching the description (at least on mobile). I get this is content for the most enfranchised viewers so I can excuse the lack of polish, but yeah the callbacks with theOG thumbnails would do a lot for a more polished & uniform experience be for viewers :)

[@lenaroe8514]

Wasn’t she the one who wasn’t eating except at work because it was free? If I am remembering correctly, I am just happy that she is eating.

[@lizzyblitz07]

Yes. Caleb was confused she was saying her food budget was so small. She said "I only get hungry at work" 💔 I just wanna give her a hug. She SHOULD be proud of her progress! It's a hell of a lot to accomplish with trauma and while in school.

[@lunalaws]

So glad I've seen part 1 and 2 today. Girl looks 100% better emotionally, mentally and physically. I would put the £450 from dental to fund FFEF and/or SIPP as she can already manage without it.

[@prinithdealwisjayasinghe2455]

Yes. She looks better and happier now, hopefully partly as she has been eating.

[@KYCampbell83]

Congratulations Lamiya!! What a glow up! Cut your debt in half, got a killer smile, and got a whole ass degree! 🎉🎉🎉

[@silverplug]

Omg this girl, i love her! She had such terrible circumstances, but seems she persevered. You go, Lamya!

[@whothou]

ONE OF THE FEW FOLLOW UPS I ACTUALLY CARED ABOUT. So happy to see her glow uppp!

[@akirebara]

Lamiya, I'm rooting for you!!!!!! I'm proud of you! Unsolicited advice: I'd say if you do your UberEats only every Sunday, more like a treat/prize for having a job well done of work & saving throughout the week, I think you will gradually change your mindset towards feeling deprived. Celebration versus deprivation. I know it helped me when I was trying to cut down on eating out. Food tasted better too because you're savoring it so much because you're patting yourself in the back. And you always have something to look forward to.

[@michaelridgway5652]

I have watched virtually every FA video, and Lamiya was one of the people I gave the best chances to improve their finances. Happy to see she is on a great track!

[@alicevoyage4355]

Having an Uber Eats budget now would be a good way to practice before she has no debt and could let it get out of hand again. Congrats on the progress 🎉

[@SpoonHurler]

I completely agree. Set an amount the reasonable in proportion of your margin. It's what I do for eating out cause I can go crazy if I leave it up to future me 😂

[@baconoftheark]

I have Uber Eats once a month - Amex Gold Card gives me $10 credit. (I'd pick up my own food to reduce my costs) That's how I rewarded myself for working so much, being active, and cooking at home. If people created a budget for take away and groceries - it goes along way.

[@Colpane123]

I agree but I still don’t get why people are willing to spend 40 dollars on Uber eats for food that if you picked up your feet and went in the car would be no more than 20 bucks 😭

[@savvagecabbage23]

Lamiya has been my absolute favorite guest on this show. She really turned her terrible situation around. I have been rooting for her ever since seeing her original video.

[@kr59137]

Lamiya is one of the easiest FA guests to root for. That is amazing progress!

[@jackskingley7891]

I love the potential of this concept, would be amazing if you could start each episode with a 30 second montage of highlights from the original episode to jog our memories so we can come into these a little more invested in the outcome

[@fr0glady]

a screenshot of the original budget would be helpful too

[@nikoletahanakova8573]

She is the one where lot of the dept came from her parents. They took some loan in her name, when she was a child so her dad could get some dental work done. Once she tirned 18, they told her about it and then forced her to take out credit cards to cover household expenses.

[@andrewwhitcomb4857]

Half of the debt paid off is impressive! I thoroughly enjoyed hearing a more normal story and seeing improvement. Daily dose of good news

[@douglastrapasso3441]

It was refreshing for a guest to verbalize her mindset when she’s considering an UberEats or something else in the moment that seems like a harmless purchase. We’ve all been there.

[@NigelIncubatorJones]

Round of applause for her. Nice to see someone making progress.

[@OneWithLogic]

Love that she worked hard and took things to heart. "You just need to button up these things and you'll be golden" is what my takeaway from this is. Good for her!

[@b.m.4066]

I am once again for a "previously on financial audit" with like a 60 second recap before the follow up

[@Pommygirl1st]

I think you accidentally a word

[@oz_jones]

@@Pommygirl1st No, being for something means that one supports the idea. Or am I being dumb again?

[@YuliaFok]

I haven't finished watching, but I want to touch on the ubereats situation. And I wanna say that I keep rooting for her - she seems like an amazing human being. When it comes to eating, when circling around food restrictions and even eating disorders, I would be on her side here. She's well on the right track with the debt and her path to being debt free shouldn't come at the expense of her mental health, so if she prolongs getting rid of the debt by a couple of months in exchange of some ubereats - I don't see a problem here.

[@Stumblingthroughlife]

I think the advice should have been you need to create a budget which includes delivery and stick to it. That'll be healthy financially and mentally. Like she can budget x % to it.

[@pinkandjewels]

Yes. Especially when in her original episode she said that she was not eating unless she was at work.

[@joepschoenmakers8599]

Really rooting for her, big-big improvement for someone studying full time and working 40 hours ON TOP of that. Putting 1500 a month towards debt is substantial. Hopefully her family does not ruin it.

[@Tealzeal]

To go from 0.5 > 3 Financial Score in under a year is quite the accomplishment! Nicely done 👏🏽👏🏽👏🏽

[@nikkihaas5326]

I've honestly worried about her since her first episode. Thanks for bringing her back., glad to see she's doing well!

[@Sam_lee13]

I’m so proud of her and that she is on the right path. It’s awesome to see her smiling and glowing!

[@chelseysmithmillaaaaar]

Oh the Night Auditor! I always rooted for her. Im so glad to see she's doing well 😊

[@robertomorales8751]

Im so happy she is doing better! Can’t wait for another follow up and her being 100% debt free!

[@maydaze5934]

7:22 her talking about her food issues are so important!!

[@katelynnuckolls1675]

Great job Lamiya! I, a random person of the internet, am so proud of you!!!!

[@fyrdude93]

Shout out for putting the name in the title, makes things *much* easier to find for a rewatch

[@pfifltrigg]

He always links the original in the description as well.

[@veggiebeat8375]

Well done, Lamiya. I am so glad you are doing well financially. :)

[@87Strong]

What a beautiful way to describe giving yourself grace without giving yourself an excuse ♡︎♥︎

[@meighanlong2412]

Congratulations on your graduation ceremony Lamiya!!! You’re making great improvements! Caleb, I’m so happy to see this positive follow up. I have been rooting to Lamiya ever since her original FA came out!

[@superiorstagg]

So proud of your progress Lamiya! Keep up the good work. You've already come a long way in a short amount of time. You can do this!

[@ransvd]

I've been falling into the same pit recently. It's really validating to hear someone else express those feelings of failure and anxiety while budgeting when having to spend money, even for necessities. Sending peace and love to you, girl! We've got this!! 💓💪🏼

[@tjtay02]

Really glad they've started doing these follow ups. It's so nice to see the change in demeanor and progress that people have made. It helps to give me confidence that even with the initial outlay of time to learn about finance and effectively budget on a monthly basis, its worth it to have a happier life going forward

[@thebosshouse]

She's making great progress! Cutting down to absolute bare bones is extremely hard. I don't know how anyone does it for long.

[@Luumus]

I'm so happy for her! She's been the guest I've most rooted for, I knew she could do it, she's smart, hard working and sweetheart really. We are so proud of you Lamiya!

[@Akamikep]

So glad there was a follow up on Lamiya and that it is going well for her.

[@smith040296]

Is really refreshing to see these updates and to actually see progress!

[@taylorcarnley8434]

I literally just watched her original episode and it’s so good to see her looking happy and succeeding!

[@The_Elara_Story]

She was one I rooted for so hard. So excited to hear about the recovery she's made and the progress. What an inspiration!

[@amoose8439]

30 seconds in and this sounds awesome!

[@tyragabriella3941]

Some highlight clips from her original video at the beginning would be nice. But great vid!

[@mistycuz2011]

I struggled with this same issue of guilt with buying ANYTHING. Within reason I created a green, yellow and red zone for it to be ok well within my budget so even in the ‘red’ I was still more than well taken care of.

[@yvetteduran8617]

Congratulations on your graduation Lamiya! I’m so proud of you! Congratulations on paying off the credit card debt. I was hoping you’d touch on the family situation but praying that it’s getting better for you 🙏🏻 You do look happier! Can’t wait to see another follow up.

[@Jiffffff]

This makes me so unbelievably happy. I was very scared and had a lot of empathy during the episode. Most ppl have struggles bc of personal choices. She just seemed so far in the hole with family and finances and the world it was rough. Glad she’s come so far. Hope she can keep her Uber eats within a budget. Other than that fantastic so happy.

[@kathyjones3984]

This is one I am so happy to see! My heart broke for her when I heard her story. I hoped that she was going to do well. She’s so smart and motivated! I can’t wait to see her update in the future! You have a whole internet community rooting for you!

[@ItsErica9090]

I think she’s doing absolutely amazing. Definitely makes sense to worry about the braces before the student loans if her monthly payment is $450. Maybe she should try to refinance her student loans ? I don’t know. More money to throw at the loans once the braces are done. Well done !

[@kjstrawberry6377]

Caleb, bro. The audio is so much better this time; and like the follow up. And the general feeling of being in the moment with bro/sis in the back is awesome. Again with the w content.

[@chrisdaugherty5741]

I’m so glad she is doing so much better. Her OG episode is one that stuck with me.

[@UpstateMan607]

This girl is so awesome. I’m so happy she’s doing better. She deserves it 100%

[@brefree7828]

OMG YES! This was the follow up I wanted! This is amazing! I'm so happy for her! I was rooting for her! Edit: this entire episode is worth just going back and watching. Yes recaps would be nice but this one is worth a whole rewatch. Especially if you didn't watch it!

[@TJrules299]

One of my favorite guests. She is amazing. She also looks happier and healthier. Great person and such resilience!

[@karishmanz15]

This update made my day! You’ve done absolutely incredible Lamiya (i hope you get a chance to read this comment!) - should be so proud 🎉

[@stingyswordfish]

She was the one with the weird family situation right? I'd love a recap before the follow up starts, or a link to the original episode on Tuesday with an announcement of who the follow up will be!

[@sara_2885]

if anyone knows the vid could you please link it or tell us the title? Would definitely love to rewatch before watching this video.

[@wingedyera]

The link to the original is in the description

[@stingyswordfish]

​@@wingedyerathey added that since my comment

[@wingedyera]

I see.. Well I guess its still helpful for others

[@yukitamura9228]

Hey, Caleb, thank you so much for bringing her back to the show. I am so glad she was able to move forward and such a short time. She . She should proud of herself. And. Keep doing a good job girl. Huge Congratulations.

[@AndrewMastracchio]

This was so uplifting. So glad she is doing well 🎉

[@erato1]

So glad to see someone that takes finances serious and make so many changes. Congrats! You're on your way to financial freedom.

[@Vaunzyy]

I remember her video. She was down pretty bad good for her ❤️ keep it up

[@pinkandjewels]

So proud of you, Lamiya! You've 100% got this🎉

[@mariel8467]

Lamiya way to go. One step at a time. You will feel so much control after the debt is cleared. I would also open an Roth IRA so you can be in charge of your retirement. The pension is a cherry on top of. Blessings to you!

[@Stumblingthroughlife]

Unless she's changed her plans she had wanted to move overseas, so not sure on the retirement. Either way Caleb should have given her homework of learning about her pension. That way she can explain it to him (excellent content for a follow up) and be confident she'll be cared for in regards to retirement.

[@casadekreeftpetservices8222]

Caleb you aren’t as enthusiastic as I thought you’d be for this one maybe it’s just the video vs in person

[@dredayyyyyyyyyyy]

Thank you for putting original episode in the bio! So helpful

[@adamseidel9780]

It’s genuinely great to see one of the really great people to come on the show, as compared to the many clout chasers and weirdos, make great progress!

[@zoeb-vora]

Her story was absolutely heartbreaking and made me tear up when she said she couldnt cancel the subscriptions because of confrontations with the family.

[@jormajokela3010]

Good to hear things are going well for you Lamiya. I'm still rooting for you. 😊

[@michaellongobardi91]

Very proud of her, i was so sad to hear her story last year, i am glad things are working out for her. Very very happy to see her thrive!

[@betterwithrum]

Happy to see she's doing well!

[@ianprachar8151]

I knew she was gonna make progress when I watched the original episode. Good for her.

[@lordrahl2173]

I'm so happy to see she's on the right track. Keep it going Lamiya :)

[@anyazxr]

yay!!! glad to hear she’s doing well! hopefully we can get another follow-up in 6 months to a year.

[@antononononon]

Glad to see the progress, and the mental state\sense of having control does make sense. There are fast food people who are reluctant about cooking and grocery shopping or just lazy. This woman is absolutely not like that. Hats off to her for making the effort with the budgeting and drastic debt reduction.

[@LeviMcFaddenSr-qr8bj]

She has made remarkable progress. She seems so much happier. I love this for her. I hope that everything works out for her. It is terrible that sweet people wind up in bad situations because of others. Her first video made me feel angry for the way she was treated. I was even mad at you, Caleb.

[@johnnyklingborg6127]

wow i can see the progress in her eyes. in the original episode which i just watched she had so sad eyes now they are completely different she is in a better mental stage. She the first one i truly rooted for

[@Danielle_Kel]

Great job Lamiya!!! Been rooting for you! You’re making great progress and we are so proud of you!!

[@itsrickus3582]

Congrats Lamiya! Huge progress - was really rooting for you from your original episode. Keep doing your thing!

[@Someonewitharealname]

Disappointed we didn't hear about her family. I'm hoping she stays away and they aren't taking advantage of her anymore.

[@amberheist3117]

I loved this so much, so proud of her things are finally shaking out better for her

[@rangequeen]

I love her. So proud of you, girl! Keep crushing it!!

[@gbblarggb]

I am so happy for her progress! When I saw the episode I was so rooting for her and she killed it

[@MidlifeMoneyMoves]

I am typically super critical with how toxic and abusive this show has become, but the algorithm offered this up to me this morning and I couldn't resist clicking. I am pleasantly surprised to see Caleb listening to the guest and having an productive and respectful exchange. Even where they seem to disagree about the UberEats in this case, Caleb is being direct about his point of view while also being respectful to the guest. I would LOVE to see more of this from the channel. This is so refreshing to see, Caleb!

[@JoeySmith101]

My advice: Do 2 audits a week instead of 3 Put these on the main channel for Flashback Fridays. Make it the length of a normal audit with follow up for like 4 or 5 people.

[@financialauditfollowups]

That is awful advice lol -Mika

[@JoeySmith101]

@@financialauditfollowups wow appreciate the constructive feedback. Unsubscribing to your stale show.

[@caesarsmom]

I was so happy to see her follow up was uploaded!! Been rooting for her!! Glad she is doing well

[@doulasofcentralpennsylvani8997]

Hey you're one of the top people I've been pulling for! So glad to see that you are working at turning this around for yourself. You're amazing and you deserve all the best keep up the hard things that get you to your goals

[@AlexVolkSchneider]

just saw the original and I am so happy to see this update❤ wish her all the best

[@jaked9538]

So happy she is doing well her story was heartbreaking. I hope she does everything she wants to in life

[@charlesrhodes8535]

She's done amazing! Congrats Lamiya

[@goatmenace]

I honestly think that the uber eats sounds like burnout. I know from the previous audit she was on two meals a day from work alone and skipping meals at home to save, then would get ubereats. It sounds like she just burns out (this is just an assumption though) so she crashes from stress/exhaustion and orders it, since she probably could just go down the street and order it or cook food at home if she was still budgeting. Tough but I think she'll crack it, she's tackled everything else and it's been one step at a time, well done. It usually takes people years to get their habits with debt and money fixed so she's done fantastic.

[@robertwendal5894]

I understand what she's saying, I'm debt free and I know I have to up my retirement contributions but often you feel like you're working to suffer, sometimes you want chipotle so you can enjoy the few waking hours you have outside of work. Just have to do it smart and in moderation though.

[@DaltonsFriendswood]

I just don't see paying for the braces early. I didn't go back and watch the original, but, most of the ortho offices set up an interest free payment plan, so it seems that extra money would be better spent on an interest bearing debt. You're also paying as you go because they haven't done all of the work yet. Prepaying could bite you if you end up having a problem with that ortho.

[@peggykaler5538]

The payment is 450.00 a month and she wants to free up that to pay the student loan. Then she just has one debt to concentrate on.

[@goatmenace]

She brought that up in the original video actually, that she was worried down the line, but she wants that money to pay off other things anyway

[@danreddick8884]

Caleb you gotta run this channel better. Post a community thing the day before with a link to their video. Have a brief recap (60 seconds) of their previous situation. Better thumbnail. Love what you’re doing though keep helping people!!

[@Acid1789]

Love this, it's great to see people right the ship and get there.

[@TomCushnie]

Mental how everyone on this show can't cook! I earn about double average salary and probably get a takeaway 3-4 times a year

[@Revert2017]

Dude! I know! I have made a pact with myself…once I am out of debt, investing 20% and have my 1 year emergency fund, I am donating 100 crockpots to Caleb to give to his guests. I didn’t cook when I started my journey, now I can cook almost anything from scratch BUT my crock pot is what I use when I am busy or working 12 hour shifts at the hospital. It takes like 5 minutes to prepare. I even bought an inverter and plug my crockpot into my car when traveling. I truly credit my crockpot for success in my financial journey.

[@Username0467]

3-4 times a year? No friends? No work dinners? No travel? What?

[@TomCushnie]

@@Username0467 tonnes of friends and a long time girlfriend. I'm British so we don't get the culture of eating out everyday. Much prefer to stay debt free

[@Revert2017]

@@Username0467 I have started bringing the food when out with my friends. Everyone eats and enjoys and we don’t spend a bunch of money on food out. I have an insulated lunch bag. I have a friend who will actually set up a Hibachi on her tailgate. I know it does not sound normal and takes a little stepping out of what you have done for your whole life. I have been surprised at how much everyone enjoys it and how it changes the atmosphere to a simpler time. Try it just a few times and see how it goes.

[@kathyjuola6317]

I would rather do just about anything else in life than cook. I hate cooking.

[@jjw9037]

I really think she has a shot at becoming incredibly successful in whatever she wishes to pursue. I remember her situation in her first episode being incredibly difficult, many other guests didn’t have the compounding stressors she did & it’s incredible to hear she’s in the process of such a dramatic improvement!

[@melodykillian3619]

I am so glad she is doing so well ❤️ love it

[@melparkes354]

So proud of her!! Way to go girlie!

[@dallas6689]

This is awesome definitely an episode that stuck with me and amazing how far she has come

[@ashleysherlow1012]

i love caleb’s ‘persona’ far more in these episodes. far less interrupting and focus on the drama, more pragmatic. i’m leaning towards following less of the original channel and just watching these. i know i’m just one opinion, but the other channel is heading a direction that is harder and harder to watch. this is better.

[@austinmike6046]

Good for her! Awesome work!

[@brooke225]

You got this girl!!