Mom Took Out Thousands Of Dollars Of Debt Under Their Name | Financial Audit

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[@TheRealMjb2k]

That must have been hard to file fraud against her own mother but I am glad she did. Parents do NOT have the right to ruin their kids financial future because they are unable to get their shit together.

[@genxx2724]

I doubt it was hard. Her mom had thrown her cat.

[@TH0KH]

It's actually so unethical that the government allows that. You can't get credit products until after 18 where i live

[@ways5717]

​@TH0KH which part was unethical?

[@somerandomguywastaken]

​@@ways5717the fact that parents can take out thousands of loan in their children's names....while they're children. How on earth does a bank allow a child to have a credit card. That's the unethical part

[@ways5717]

@somerandomguywastaken a okay gotcha. I just wanted to make sure because I was reading it like, "it's unethical to file identity theft if it's a family member". Gotcha I agree with you

[@CaptainAppCrash]

I like seeing an audit where it isn’t total panic mode. It’s nice to see Caleb a little more relaxed and help people that are doing the right things

[@michaelmele3954]

This. Yes it's nice to see more average people, not absolute catastrophes.

[@tiarebman8064]

I agree but unfortunately I think there are so many more people that are in that catastrophe position.

[@richikraut9400]

Agreed. This is an actual financial audit. Usually, it's just a shit show of a situation.

[@sydneyps]

Honestly, a good bit of the earlier ones I've been watching have been pretty okay financially. Sure, the people had stupid debt or spending, but it was relatively not shit show bad. It was amazing compared to most, if not all, the people he's been interviewing the past few months. He just got them on the best path.

[@evaguthridge2160]

Putting bills and cards in your kids names is wrong

[@Ghost-yf2fh]

She is one of the most financially stable people we’ve seen on this show. Also improving your credit over 300 points in 5 years takes an incredible effort super proud of her 👏👏

[@Mdroudian]

It takes that long?

[@SpaceGhost92]

Bro I raised mine from sub-500 to 710-720 in a maybe two months…

[@michaelb.8953]

I raised mine from 580 to 820 in about two years and it's not that difficult, but it takes diligence.

[@TilleyYT]

Thank you so much!! It's been hard but I'm very proud of how far I've come-- and I hope I keep going forward!

[@genxx2724]

@@Mdroudian It’s like a GPA. Really fast and easy to damage it. Super difficult and slow to raise it.

[@Clementine202]

She has to be one of the kindest and most genuine people you’ve had on the show.

[@ewidontlikeyou]

besideds the ''DID'' , sure.

[@heimbiggysmallz]

She’s so annoying and entitled / victim lol

[@KS-cl8br]

​@@ewidontlikeyoubeing kind is obviously foreign to you do. uch. e. bag

[@hightorychad4221]

@@TheIdealisticCynic Cuz it's not a real mental illness

[@kaninramone6365]

​@@ewidontlikeyoushe's getting therapy. Honestly who cares? Not Caleb. If my parents were hers, I'm pretty sure I'd disassociate too

[@sfowler1017]

I actually literally clapped when she said she'd raised her credit score from 320 to over 700. Good work, woman!!

[@penitent2401]

Ok, parents opening credit cards and taking out loans under their kids name needs to be stopped. Banks and credit card companies needs to check the identities of people applying, only the person themselves should be able to take out loans under their name and no loans and debts should be issued to underage children.

[@eliseg0001]

Seriously, how tf was her mother able to take out credit cards for a 10 year old!?? (8:09 if she’s 26 now, she would’ve been ~10 in 2007)

[@RobGoldy]

It is considered fraud if the child reports it. The problem is most people don't want their parents to end up in jail

[@penitent2401]

​@@RobGoldyyeah it is fraud, but the banks seems very happy to gloss over the identity checks that should be able to easily identify such, a quickest background check can find the child's age at least. They know the game and are happy to play along and give out those credit cards without the checks and count on the child not wanting to report their parents.

[@haramsaddam238]

Defrauding their own children and putting the burden on their shoulders. Sickening

[@pairofdragonflywings]

Some savy parents open a credit card for their child to benefit the kid and their credit score in the future. But it should be required that the child is made aware and consents to opening each and every account under their name. edit: Well, I've gotten my information wrong. Thanks for the correction! Savy parents should totally add their children as authorized users on their credit cards. Companies that hand out debts should have a system that checks the age of the new account holder and ensures the person opening the account is the same as the person listed as the account holder. They can check that an SSN is valid - how difficult is it to check that the SSN is attached to an adult and not a child?

[@annle3470]

I normally don’t comment but I really like this guest. She is so brave for being so honest and open about her situation. She seems very genuine and open to change to improve her life. I wish her all the best in the future.

[@TilleyYT]

Thank you so much!

[@skidiggydiggs4529]

Shoutout to Tilly for sharing her story and helping us learn with her finances. She's delightful, and I wish her the very best on her financial journey. Hoping you and David are able to build a great future together. You got this! ❤️

[@TilleyYT]

Thank you!

[@sphinx1017]

This girl should be in radio or podcasts! What a beautiful voice she has!

[@bonnuitmonchere]

Oh my god she is such a sweetheart. I am SO proud of her for getting herself and her kitty somewhere safe and striving to improve her life!! What a badass!

[@TilleyYT]

Thank you! Kitty is much happier now!

[@catherinewilke5583]

This young lady is doing so much better than most participants, and after a horrible childhood with a mother who ruined her credit. She has risen like a phoenix out of the ashes. Go Tilley! We are all cheering for you !

[@TilleyYT]

Thank you!❤

[@matias.maroma]

My best friend also has an unstable mom who has put $15,000 in collections in his name and has been trying to get out of it for years. Now he lives with me cause he couldn’t get approved for a rental with those collections, which is how he found out about them. Sucks when the one who’s supposed to help you is the one who’s making your life harder.

[@maanaspisati9315]

getting her credit from a 320 to a 710 is actually remarkable. kudos to her

[@alexisballard1459]

What a tough girl! Been there with my car getting taken by my narcissistic mother when I was 18, she got rid of my two cats too… so glad Tilley got out of her situation. She’s stronger because of it.

[@Spellchecc1OO]

Everyone apparently has a narcissist mom

[@M_SC]

@@Spellchecc1OO1 in 25 people are narcissistic

[@M_SC]

So sorry about your cats.

[@cami5173]

@@Spellchecc1OOor people with similar experiences like speaking about said experiences when it’s relevant? Like how communicating works?

[@potato1084]

@@Spellchecc1OOI can name about 5 narcissists in my extended family. They’re common.

[@eidolonbreed]

Man she’s so genuine and the love for her fiancé says a lot. She’s a keeper for sure. We all need someone who loves you but also wants the best for you. It’s a team effort and she’s a rare partner who wants to help out and not just let the man do everything. Respect!

[@TilleyYT]

Thank you! David and I are a really great team!

[@ThunderStruck94660]

@@jyoung6366oh gawd, grow up Karen!

[@twodots9403]

The man comment is unnecessary imo - and honestly insulting. Lots of women don’t “just let the man so everything”…

[@ThunderStruck94660]

@@jyoung6366 grow up Karen!

[@potato1084]

That’s not a RARE partner 😂😂 We’re in the 21st century not the 19th. Get your head out of this media bs and actually interact with people irl.

[@TilleyYT]

Hi everyone! I'm Tilley from the video! Thank you all for your support in the comments. It really means a lot to me (and my cat too)! I would like to clarify that David and I are both very aware that putting him in charge of my finances is a risk, especially for financial abuse. I don't think he ever would, but he ensures as much by being very transparent with me about my finances. However, money discussions can be a massive trigger for my PTSD, and I often dissociate while having those talks (which actually happened a bit in the video too), which is why I personally choose not to get too in the weeds about the details of money. That said, I'm continuing working on improving my relationship with money, and I have already implemented Caleb's advice!

[@Calebdescope]

You’re a rockstar

[@yvetteduran8617]

Great work! Consider getting married via the court before buying that house and combining your finances. You can always have the nice wedding you want in the future.

[@alexparedes1573]

Congratulations I don’t know you but I am so proud of you!!!! 🎉🎉

[@cookareekoo]

You have such a lovely soothing and clear voice, even talking about really hard stuff, loved listening to you 😊 🎧

[@ashcraft555]

I'm glad you recognize the position you're in. I hope you can get the help through therapy to be more involved in this. I'm upset on your behalf that David is making more money than you, has a fully funded emergency fund and isn't taking on a higher percentage of your joint expenses so you can afford therapy as often as you should be going. I would sell a kidney for my partner to get the mental health help they need. I agree with the comment from someone else that you should go to the courthouse and get married now. It will provide you with some protections that are important for you in this situation.

[@lee8287]

There needs to be some sort of fail safe or trigger at these financial institutions to prevent parents from opening credit cards in the kids' names. Whatever we are doing now is not working.

[@TH0KH]

It shouldn't be legal for people under 18 to get credit products, that would fix 90% of these cases

[@IAmContemporary]

@@TH0KHWait you can get credit cards as a minor in the US? Damn, in my country even people over 18 might be denied if they recent income and spending history doesn’t prove that they’d be able to pay it off monthly. Someone with a monthly income of 2000€ could probably not get a credit card with a 1500€ spending limit.

[@brihayy]

@@TH0KH it isn’t legal. Banks just don’t do anything about it unless the child reports it - which rarely happens

[@potato1084]

@@IAmContemporaryI’m in the UK and I had to fight and even lie about my income being higher to get approved for a credit card to start building credit. It’s insane to me that American banks allow this.

[@potato1084]

@@IAmContemporaryI was making about £8.2k taking out a £1k student maintenance loan and rounded it up to £10k so they’d approve me cause everyone was rejecting 💀

[@RobGoldy]

Straight up feel for her so much. If my parents physically assaulted my cat they would be completely dead to me.

[@csx6910]

That garden might have some new fertilizer.

[@michaelb.8953]

@@csx6910 Cat poop or soylent green?

[@anthonynguyen1701]

So you chose an animal over your own parents who gave birth to you and raised you? That's insane.

[@RobGoldy]

@@anthonynguyen1701 Yeah, if they were physically abusive they don't matter anymore.

[@Julia-b9x]

100% - hurt my fur baby and count me out of her life for my life.

[@tashintomorrowland]

Wow! This young lady will go far, she has a good mindset despite her challenges with her upbringing. Plenty of room for her to grow, but a great outlook on things and good mentality will get her far! This one was a breath of fresh air.

[@kmpnyc]

she is the best person you've ever had on this show. she is a genuine, caring person, who has handled really hard situations very well. she knows she wants to do better and she's open to hearing caleb's advice. everyone is rooting for her!

[@hdeutsch1974]

She is so adorable. I love her heart and how well she's doing and her ability to reach out for help. I hope all those around her are 1000% good to her she deserves great things in life.

[@alexisballard1459]

Caleb you should start including home maintenance / property taxes / insurance in the budgets for homeowners - important expenses often forgotten when considering home ownership

[@TH0KH]

He does everything except repairs, doesn't he? I'd assume people include property tax in what they pay (many mortgages include that, mine does) and he asks about recurring costs like insurance. Most people in this situation shouldn't be putting repairs into the budget, it's just the starter emergency fund for now

[@jillianjackson9365]

David if you’re reading this … I hope you’re as good a person as I think you are. There is so much room for financial abuse and manipulation here, but it sounds like you really care about Tilly. The trust they have instilled in you is huge ❤ Rooting for everyone! 🎉

[@TilleyYT]

I showed him this comment ❤ He's a good egg.

[@ashcraft555]

​@@TilleyYTI wish he would have come on this episode with you! I see a lot of us had the same concerns about the way this situation could end with you hurt. (It's strange how protective you can feel of a stranger after only watching one video of them!) Having him there to talk about how he's set things up to protect you would have helped give us the fuller picture. For whatever it's worth, this stranger on the Internet is so proud of all you've accomplished and overcome. I wish you the absolute best and can't wait for your update episode!

[@TilleyYT]

@ashoalcraft4404 He is *very* camera shy (I barely have any pictures of him), but if there's a follow-up episode, I hope he will be able to get some time off work to join me to the studio.

[@terijackson2010]

So proud of how far she has come-BUT- I feel very uncomfortable with her boyfriend “taking care of her finances” to the point she doesn’t know what she has AND buying a house with a non-spouse who basically has taken care of all of the financial end and said “you pay 1400 a month” ESPECIALLY WHEN HE KNOWS HER HISTORY. He’s not taking care of her, if he wanted to help he would teach her smart financial literacy. It’s just scary and sketchy to me.

[@watchersmith806]

Exactly! Given her background, she could be putting her trust and hope in someone who could be setting her up to be used again and left holding the bag.

[@ceciliajohnson8812]

I don't think it's sketchy. But potentially unbalanced.

[@hanwagu9967]

that's on her, not him. She needs to want to be actively involved in her and their finances.

[@TilleyYT]

Hello! David is transparent with me about my finances, but I let him stay in charge of them because I know myself and that I currently have a very unhealthy relationship with money. I am working on improving myself, but until that happens, I would rather have a responsible person I trust be in charge of my money. We have been friends long before we started dating, and I fully trust him to turn the accounts over to me if we ever were to break up.

[@potato1084]

I would feel uncomfortable too but it does work for some couples especially if one is better with money.

[@themanintheyellowhat6852]

Honestly she could make some extra money on the side doing voice work, she has the perfect voice for audiobook narration!

[@kelseywarner8387]

I am SO excited when a new one of these drops- Caleb you've totally changed my relationship with money, thanks for the great content!

[@CalebHammer]

That’s awesome!!

[@K2W-Verv]

I’d second this

[@kelseywarner8387]

@@CalebHammer if you ever want another person on the show, let a girl know!

[@BackyardAlleycats]

Wednesday financial audit let’s go fam!

[@gbblarggb]

I thought it was Monday cause of having a day off mid week my schedule is so whacked out

[@SargentFraser]

Having a score in real-estate as well as anything above 4 in Caleb's show is like getting a GPA of 4 in college. Congratulations!

[@justmrisrael]

I’m so proud of her already!! 710?! From 320?! INSANEEEEE

[@justkate158]

Glad to hear she locked her credit. Her mother still knows her social security number

[@justwatching5284]

The boss makes a dollar, I make a dime. That's why I'm watching Caleb on company time

[@Sara-ri7qi]

amen

[@lindzriddb]

Love this!! I also find having him on in the background while I work motivates me to work a little harder too.

[@queen4u281]

😂

[@tanpham7411]

Then why not trying to learn to become a boss instead? Took me 12 years of working for somebody else before I run my own business.

[@potato1084]

@@tanpham7411Because most people can’t do that. “Working for yourself” isn’t for most people.

[@InfectiousDucky]

My bestfriend suffers with DiD and I gotta admit this girl is doing fantastic, it's not an easy mental state to be in, I'm rooting for you!

[@TilleyYT]

Thank you! It's difficult, but it's not impossible!

[@dragborn926]

It's bullshit

[@potato1084]

Yeah I had it more as a kid but now it’s manageable

[@a123sophie123a]

She has a lovely calming voice! Super proud of her for digging herself out of a hole she was thrown in by her mother.

[@amylukenash4048]

I like her. She’s so kind. All the stuff she’s been thru and she’s still so empathetic and kind. Great human being. I hope she really succeeds in life. Love her hair too.

[@HidInMistProductions]

Dang, she's been through so much! Between her mom being Like That and committing fraud, her dad being in a cult, having to quit her college program, and living with DID, that's a lot. She's doing great, she's really done such a good job trying to do the best and taking control of her life. I wish her the absolute best in life! Tilly, I hope you thrive!!! 💕

[@TilleyYT]

Thank you!

[@MPPG663]

Her dad is not in a cult.

[@HidInMistProductions]

@@MPPG663 dawg, there's a whole time-stamped section at 14:35 where she talks about it. have a nice day!

[@MPPG663]

@TilleyYT I commented this separately, but I'm glad Caleb pushed back on you regarding your father's religion. As the saying goes, you're entitled to your own opinions, not your own facts. Of course, you don't have to agree or like what your dad believes, but it's obviously important to him. To jump on a public platform and say he's "part of a cult" when, as Caleb ascertained, he is not...Well, I hope he doesn't see this. And I wish you well.

[@MPPG663]

@HidInMistProductions "Dawg" (You must be in your 50's. Nobody says this anymore lol)how are you gonna timestamp exactly what contradicts your comment and supports mine? LOL! I he is NOT part of a religious cult. Caleb's line of questioning made that clear. It's evident that her disagreement with their beliefs, practices, or standards are the reason she's labeling them as she is.

[@christinefrier7888]

Impressed with this gal. She has been through so much, and really is working hard to get her life in order. You go girl!

[@mable90shaynne]

I am so glad she shared her story! The cost of trauma is not talked about enough. I know this channel isn't necessarily about that but it does send good vibes towards the importance of mental health and I love that!

[@katieh1752]

I had to file fraud against my mom too and it's definitely hard. She's passed on but now that I'm a mom I still can't understand WHY.

[@beakboop]

She has such a smooth speaking voice. I could see her in a podcast or on the radio.

[@Dis_is_fine]

I know how much it sucks to have your life slowed down by just being born into the wrong family, but it does get better! At some point I was scared of ending up homeless, but now I own my house and am getting ready to apply to med school. Just keep following your dreams!

[@genxx2724]

I don’t like that term, “follow your dreams”. Set a goal and march forward every day is more realistic.

[@ryansmith8782]

Also how much worse it can be if you are born into money with no knowledge of wtf the world is.

[@ryansmith8782]

@@nathanballance2347 blessed

[@genxx2724]

Fernanda, who is the character in your avatar? And I wish you the very best with your studies. 🌷

[@FrancesRyan-b2p]

Most rich people stay rich by spending like the poor and investing without no stopping then most poor people stay poor by spending like the rich yet not investing like the rich but impressing them

[@LisaCunningham-bn7qv]

That is why I had to start forex trading 2months ago and I now am making benefits from it..

[@LisaCunningham-bn7qv]

I'm glad I was introduced to forex trading and got the best teacher and mentor who helped me understand the financial market l'm grateful to Mrs Shanita 🙏🏻

[@JoeCloud-hy2uc]

My first investment with Shanita Creswell gave me profit of over $80,000 Us dollar...

[@JoeCloud-hy2uc]

And I can even say she is the sincere broker I know....

[@LeonorFerreira-ur5th]

O' Yes I'm a living testimony of Mrs Shanita Creswell.!

[@starmapsllc]

Man respect to her for being so open about the stuff she's had to deal with.

[@BuckeyetheCat]

Wow, Tilley is amazing and strong. I'm so happy she and her cat are now safe. I'm very sorry she had to deal with all of this, but she has made such great progress. 💐

[@byefelicia7967]

The fiancé taking full control of her finances def scares me… but idk this man hopefully everything goes well for them.

[@MyLifefunthingss]

Open and honest. Good for her, as a child of parents with manic episodes… I know she gone through it recently. Hope to see her get it figured out. I go nothing but positive energy for this human!

[@starrwinter]

Woah…. I’m sorry you had to go through that and glad you were able to get out of that dangerous situation. When your family is the one that screws you over and puts you that far back when you’re just truly starting your life - no words.

[@lawfullucyless6715]

This is the most relevant one to me so far. I just paid off a loan my dad took out in my name it was all he left me. Then the dark cloud. ...i have the dark cloud too girl....but im still a smiling shining light like you are. You're amazing.

[@lawfullucyless6715]

When I first checked my credit it was in the 300s and no one ever believed me, my dad used to tell me my life wouldn't suck so bad if I didn't keep making such horrible choices. Boy was he wrong haha the hits just kept coming. And the weight. I was a previous drug addict and Im just....fat now lmao. Fat and happy but fat and wasting money. I'm working on it. I promise.

[@pitchkinker]

@@lawfullucyless6715 hey way easier to lose fat than to lose an addiction... Also you've already done the hard part of paying it off!!

[@lawfullucyless6715]

@@pitchkinker absolutely! And I love working out and my preferred food is on the healthier side. I even ride my bike 6 miles a few days a week. I'm just fatter than I was as a heroin addict 🤣

[@pitchkinker]

@@lawfullucyless6715 hell yeah! That's one of the healthiest lifestyles I could imagine! Good luck :)

[@M_SC]

So are you!

[@QuantumKitty]

Caleb is doing some amazing spiritual/healing work for all of us. We’ve really started taking accountability and auditing ourselves and saving more. A lot of us grew up with parents that had no financial literacy and it’s up to us to learn and do better. Thank you!

[@camb-t8p]

The more I heard about her life the more shocked I was that she’s managed to dig herself out of that hole! She’s amazing!

[@TilleyYT]

If I don't smile when talking about what I've been through, I'd cry. It's been a lot to deal with and a lot to work through, but as long as the sun rises I keep trying to be better.

[@camb-t8p]

@@TilleyYT I wish you all the best, Tilley! ♡

[@sensclan2597]

There’s simply no better channel on KZbin. The amount of content being pumped out is incredible! I made sure all my fellow college buddies watch your show. Keep up the hard work Mr. Hammer!

[@ohhhlorrd]

This is my new favorite episode, the honesty and the struggles she's survived and thrived from after, honestly congrats to her and good luck on the new home!

[@TilleyYT]

I really appreciate it, thank you!

[@danielwhiteside3610]

Pro tip. In Texas you can fill out a simple form and transfer a car title to a family member without paying the sales tax. There is a small $10 transfer fee instead of the usual 6.25% tax, for family members.

[@Lazirus951]

Yep, it's called Motor Vehicle Gift Transfer if anyone is curious.

[@genxx2724]

Transferring title should be a nominal fee, not a tax. I guess with no state income tax, Texas has to get revenue somewhere.

[@DChavez1020]

Much appreciated for the tip!

[@TilleyYT]

I wish I had known this back then! Thank you!

[@username9999]

When I heard "$500" I was like "Woah, Texas is expensive!" Where I live, registration is $100 per year, title transfer is probably $20.

[@iryna.e.z]

My gosh I don’t usually comment on your channel Caleb! But todays guest Tille is so nice, I love her voice and strength to restore financial balance. Couldn’t help but smile for her success, you go girl!

[@TilleyYT]

Thank you!

[@princescott]

I just came to say she has such a beautiful kind sweet hearted personality and I love it. I wish I was more like that.

[@jane1647]

I've been watching these for awhile, and the trolls and jerks in the comments seem to be increasing a LOT recently. Tilly, if you read through these, just know that the vast majority of us are rooting for you! You are getting on the right path.

[@alephnaught8343]

Who else is looking forward to some follow-up episodes. Caleb should just post normal episodes and then just every now and then do a bonus Saturday episode that's a folow-up and maybe make it a premiere or stream it live?

[@alexandramariescavo]

I was thinking the same thing!

[@Sadreath]

I think this would be kinda hard since it would mean filming 4 episodes per week which is honestly quite the task.

[@Ms.Bree8403]

Me 🖐🏽

[@aileenonvenus]

@@Sadreathit’s also a matter of getting people to agree yk, i saw a girl from an episode 2 months ago where caleb had to remind people in the comments to not be hateful.

[@Stop_Infanticide]

I've been watching this channel for almost 3wks. Always avoided looking at financial issues because of how money impacted my parents marriage. I thought about traveling to Houston but just couldnt justify the 2k while in such bad debt. So, I kept watching. This motivated me to fix my life so my son's wouldn't have to care for me the way I cared for my mom, dad, and 2 younger siblings. In this short ammount of time I've been able to hunt down double charges, discrepancies, and audit these ridiculous medical bills that have been killing us. To date 7,300 has been written off our debt just by paying attention. 80k to go! We also put together a plan to clear the remaining debt in 3yrs, rebuild savings, and save for a house/retirement. We can cut that time down when we establish a 2nd income. Financial Peace didn't work for us, nor did it teach us how to handle our debts in collections vs credit cards or student loans. I was literally told to avoid credit cards no matter what... and had no idea how to safely use them or how beneficial they can be to building credit when managed wisely. You've addressed ALL of those in your episodes so I understand what direction to take our financial life. Breaking downthe interest rates and explaining how 11.5% or 25% interest rates are "literally _death!"_ has been far more helpful than us nickling and diming 10-50$ here and there into a low yeild savings account. That's not stability. That's stupid until those predatory debts are slain. Thank you Caleb! You're a blessing to those of us with little or no financial literacy!! 👏👏👏

[@potato1084]

Well done 👏 I’ve been watching him for over 9 months I believe and it’s really helped

[@debbieharris1628]

Congratulations and I'm rooting for you as you get your finances in order! My biggest fear is being a burden on my daughter in my later years as I don't make a lot of money and I'm just now starting to save but I'm remaining positive. Like you, I started watching Caleb in March 2023 and decided I had to make a huge change in my life if I really meant it when I said I didn't want to be a burden to my daughter. But I've saved so much more than I ever thought I could, even making not a lot, and I'm on top of my bills. I believe in you so much and I'm wishing you all the best ❤️

[@BullsEyeBen]

I am really rooting for Tilley! It looks like she really is trying to get her life back together. I am glad Tilley got out of the horrible home situation. Good Luck!

[@rjdtwo]

this woman is a warrior! I can't believe everything you've been through, very inspiring!!!

[@Jordybuilt]

Just opened a 9 month CD with 5.25%. Put 30k in there and will make 1200ish for free. Also have 30k in emergency fund and 5500 in checking. No debt besides my mortgage ! Loving life and Calebs audits

[@ryansmith8782]

For free? Or taxed?

[@lot2196]

I need to do that too. I have $50,000 cash in a emergency fund. I don't need that much. House and cars paid off. Kids all grown. I should put at least 20k in high interest rate savings and probably bump my 401k to 10%.

[@Jordybuilt]

@@lot2196 definitely should ! Not sure if you have any eastern banks local but that’s who has the high yield CD

[@Jordybuilt]

@@ryansmith8782 not taxed

[@Lazirus951]

@@Jordybuilt Unless it's an IRA CD, it is taxable income. I'm going to assume it's not an IRA CD though cause nobody invests their IRA in a CD considering S&P 500 is ~9% a year.

[@gigihanley9757]

Splitting costs down the middle only makes sense if they make the same income. The fair thing would be to contribute the same percantage of each income to the total needs.

[@M_SC]

THIS. No one seems to know this.

[@evgeniyaseminenko8594]

Equity over equality. Correct

[@TilleyYT]

David and I had this discussion shortly after this was filmed, and we have balanced our expenses based on income!

[@evgeniyaseminenko8594]

@@TilleyYT you two seem to have a solid relationship! It is nice to see

[@adamseidel9780]

This is what my wife and I do. I don’t think it’s the only way, I don’t think splitting it down the middle is inherently unfair, but I think it makes things better for us both.

[@Olivia-2019]

She seems to be doing a great job picking herself up. I am worried that she lets her partner have so much control over their finances and stays out of the details. That is how financial abuse can start.

[@TilleyYT]

David and I are both very aware of that, which is why he is very transparent with me about my finances. However, money discussions can be a massive trigger for my PTSD, and I often dissociate while having those talks, which is why I choose not to get too in the weeds about it. But I'm working on improving!

[@KC-or1ic]

Thanks for your bravery and honesty. 💖💖💖💜💜💜

[@DevHazy]

@@TilleyYT❤❤❤❤❤

[@MrsYasha1984]

@TilleyYT I'm so glad you found a good man! And i'm very impressed how xou roll with the punches life gives you. I wish you much success and healing, and a wonderful marriage! May God bless you and send you peace!

[@discocycle]

Yes I'd echo the same! (This is coming from someone who was financially abused by a partner for years)

[@melanieavans6072]

Omg, such a likeable person! You go girl! You've been through a lot and you're doing great! Congrats on what you've acomplished and good luck with your future! ❤🔥

[@Trziwocjwheicnaocejk]

This is really scary to see, obviously she trusts him witch is great. But with 50% of marriages ending in divorce, he could be stealing from her and she’d never know. Everyone should know about their own money, the fact she doesn’t know where her money goes and has to give him money to put into her savings is a little scary. Especially since they won’t be married for another 14 months.

[@fae10]

I’m hoping her partner is truthful but I’m with you. Given that she has a history of financial abuse already I wish she would be more aware of what’s going on. Fingers crossed it’s all okay 🤞

[@christianshoemaker689]

Can hardly wait till 8am for these videos Caleb. My addiction cannot be healthy

[@Clementine202]

At least it’s free fun 🤷🏻‍♀️ ;-)

[@JaZzYLINE]

I love her. She seems so sweet, kind and self aware. 💕 She made all the right moves and keeps moving forward even when things are easy or perfect. What a role model for being a good person.

[@livetosmileandlaugh5368]

Agreed!

[@benjormungand]

It's amazing how far she's come. That was a much worse situation than many on this channel, but she took it seriously.

[@daniellebrooks3670]

Tilley might just be THE sweetest person ever. I'm rooting for her!

[@J1NXCS]

Shoutout to you man, you got me off my vapes after many unsuccessful tries just but the way you said disgusting habbit 🤣 plus I’m doing the 50/30/20 and selling my tesla :(

[@M_SC]

Good for you!

[@JakeSpradlin2]

She’s brave! Been through a lot. I’m glad she left the abusive scenario with her mother. She will get out of it!

[@infernoleo9]

THIS IS ONE OF MY BESTEST FRIENDS IN THE WORLD, I AM SO PROUD OF TILLEY!!!!!! ❤️❤️❤️

[@TilleyYT]

❤❤❤ You're a real one!! Thank you for all your support!

[@elizabethspicer8979]

these make my days so much better! i have saved so much money, and has lead my boyfriend and i to have more discusses about our future finances. thank you caleb for inspiring us!

[@Willemmoseley]

She's an incredible person who's faced so many challenges. I'm sure she'll be fine with some hard work, all the best!

[@TeKnoVKNG23]

David "managing" the finances is a big red flag.

[@potato1084]

Tbh if she’s asked him and he’s doing a good job it’s okay but she should be involved more. She said he’s really good about giving the details etc.

[@KaapaKoopa9]

My wife was in the SAME situation with her mom that Tilley was going through. It's hard enough to dig yourself out of debt you put yourself in, it's even harder to dig yourself out when your parent is the reason why. We don't speak with her anymore.

[@KS-cl8br]

I wouldn't pay someone else's debt... just report to the police and credit bureaus

[@faqu529]

Omg her Mom is a piece of work. Poor Girl!🤦🏾‍♀️🙏🏾

[@christievans1891]

I’m so impressed with Tilly! She’s well-spoken and smart. Despite her rough start, she’s going to be super successful! And I agree, she’s very stable mentally and financially!! Thanks Caleb, I’m a Ramsey convert & appreciate your honesty and supportive comments to everyone!

[@javierneri81]

Thank you Caleb and to all the guests in these videos. I used to be very good with money growing up, but started slipping when the pandemic hit which coincided with me receiving stipends from my scholarship. Slowly recovered, and got heavy into investing because of watching a lot of Graham Stephan which was a good start but tunnel-visioned too much on my future self that I completely ignored my current financial situation. Watching your videos has brought me back, and I couldn't be more grateful.

[@mash8436]

Really great head on her shoulders. She will be fine - tough situation for her but glad how she has responded. SO brave for sharing her story

[@SilverGirlAu]

What an amazing human... cannot believe the amount that Tilly has endured and overcome to get to this point... Particularly loved your message to others at the end... Tilly - you need your own KZbin channel! Inspirational! (and I feel like it was one of the best hammer scores in a while!)

[@TilleyYT]

Thank you so much ❤

[@joeyjenkot348]

Lol I love how this chick is like “my dad is in a cult” but he’s probably just an evangelical

[@amyruth1965]

My wild guess is LDS (Mormon).

[@joeyjenkot348]

@@amyruth1965 exactly, not a cult lol

[@newp848]

many people who were raised Mormon and Jehovah's witness say it was a controlling cult and their families cut off communication after they left the faith.

[@melc900]

@@joeyjenkot348 LDS is a cult lol

[@dawnsamantha6728]

“Can i brag? I was scouted by 36 colleges… I went to Full Sail” 💀💀

[@M_SC]

I’m not American. What is full sail/the implication?

[@ericahoelscher3733]

@@M_SC $$

[@FujiCakes79]

@@M_SC Very expensive, fast-paced private art college here that specializes in film and sound design. The implication I believe is she could get the same education for much less elsewhere, or with some entry-level work experience on a set.

[@jiannamariel]

I look forward to this every day (they come out). Only a few minutes into the ep and wow, such a sad/tough situation! Kudos to her for making the most of it- hoping and wishing she succeeds!

[@pilotoblackbird433]

She’s awesome. Halfway thru and she is such a genuine person, way to go girl!

[@HomesteadingwHolly]

This video really called into perspective my privilege with my family. My dad opened a credit card in my name in my early teens too, except it set me up for so much financial success because by my mid 20’s my credit history was already great and 10 years old. I continue to benefit from the rates I qualify for on big purchases. I cannot imagine this situation her mom put her in. So sad

[@ruz6135]

My fiancée's step mom did the same but with a power bill. She has never had a credit card or anything so when we found out on credit karma that she had like a 400 credit score because of a $3,800 debt in collections, it was quite a shock. 😢

[@KS-cl8br]

consider don't marry her until or unless she reports the fraud

[@ruz6135]

@KS-cl8br we've been trying to figure out the best action to take but it's complicated with it being family.

[@hennsterr9349]

If I have to hear about one more “disorder” on this channel, I’m going to lose my mind. Such bs. Sorry not sorry ANYONE can walk into a doctors office, complain about normal human emotions/struggles and walk out with a diagnosis.

[@slf5141]

So true.. everything is a "mental illness"

[@hanwagu9967]

@@slf5141 mental health not mental illness. therapists cannot diagnose, so if you call it mental health, any wacko basically can get a license or not and charge you high hourly, while not accepting insurance. A mental illness would accompany a specific diagnosis. It's been a huge business and when something rapids quickly, you have to question it.

[@SlGNAL13]

Everyone having mental health issues is making me feel like I have mental health issues because I don't have mental health issues.

[@beth1352]

They're so lovely 🥹🥹 rooting for them!!!!

[@halimgul-5279]

Yea Navy federal gave me a really high limit. I applied and was denied at first so I got a MYSTICFLIP , and I was approved for a capital one. The limit was so small lol but I took it and worked on it. Because if that it helped my credit and I believe that’s what made me finally get approved for navy fed with such a high limit. they're still working on increasing the capital one since it was so low. All in all I’m satisfied.

[@erikaplaza7605]

She's the cutest, I loved the humble brag haha wishing her the best!

[@paninthedada]

This is off-topic but as a voice actor, I wanted to say that her voice is lovely! Def would sound great on commercials and audiobooks! EDIT: As someone who’s dealt with inhuman and crazy behaviour from a parent, this audit breaks my heart. She’s a warrior. EDIT 2: As another DID person, Dissociative Identity Disorder can only be formed when an individual goes through repeated traumatic experiences and on a regular basis. DID is extremely draining because trauma also causes the disorder to have physical symptoms, with fatigue being a dominant one. Another notable one is headaches. DID can also be a difficult titan to deal with because with the amnesia gaps, chances are, if “you’re” not in control of your body, your alter may be unaware of your financial situation and may spend it on super random or questionable things (for more chaotic systems). In addition to the trauma BS spending, this can strain your finances. Sorry for the long post.

[@ruhhshelle]

I thought the same thing!

[@Ilene-forward]

I hope the best for this client, she has a supportive soul and I have she has great people in her life that will help her navigate her mom’s behaviors/mental illness. It’s a huge burden to bare.

[@miriamheart]

This David is a walking red flag. So he makes more money than Tilly and when his fiancée is in between jobs he refuses to even help support her??? Does he even truly love her…

[@sydney58279]

Literally.

[@jeramyneeley3351]

I have no debt but I always love watching these videos, I learn A LOT and you've made me consider investing more into my retirement.

[@KJuan]

Wish her the best on her journey! She was dealt a terrible hand with the situation her mom put her in but she has clawed back to get in a stable spot. Good for you!

[@Madkalibyr]

“You threw my cat I’m done with you” Right there with you, sweetheart. You didn’t deserve any of that, none of her words are a reflection of you in ANY way,shape or form. You are a BAD A$$❤

[@gidgetgetscrafty]

Sounds like my BPD mom. I had a hand-me-down car from my grandma that was in my mom's name. When she was raging, my mom used to threaten to take it from me because "she paid for it in the divorce" from my dad. Thankfully, I got her to transfer it into my name one day when she was in a good mood, so she couldnt make that threat anymore. After that, I spent all breaks from school with my college-boyfriend's family.

[@lydiadarling7138]

I'm back watching old episodes I missed and this person is such a delight! I really hope they're able to get out of debt and have a great life!

[@racheljoy3737]

Honestly am instantly obsessed with her voice, it's so nice. She should do a podcast or get into audiobooks if they're into that, or a dungeon master. Also hello from a fellow web designer also stuck making $20 an hour! Manifesting big side gigs & raises for our future 😅💚

[@CatsMeowPaw]

I really feel for this woman, and wish her the best success in piecing her life back together I have a sister with delusional disorder, and it's so heart breaking to see them say and do things that are absolutely insane and completely out of character. What's worse is she (like the guest's mom) is highly resistant to any sort of professional help. My sister is tied up in her own fantasies, and believes 'they' and 'them' are out to get her throughout her entire life. It's just so sad.