She Can't Stop Going Into Credit Card Debt | Financial Audit

[@CalebHammer]

Btw, those cards can no longer be charged 😉

[@metalraidernt]

Should have blurred the number though

[@nickthemage2052]

@@metalraiderntdoesn’t really matter if the cards dont exist anymore to be charged

[@Icyhotkettlepot]

Apple figured out a way to avoid their credit cards being cut with scissors. 😂

[@residualramirez]

Also, you missed a bleep at 28:08

[@jvolstad]

The Discover card has a pride edition? 🙄

[@brendanschatz8758]

Caleb wearing a detroit lions shirt makes so much sense. He's so used to disappointment this is the perfect job for him.

[@k20z3keith7]

He should do an audit of the Lions QB budget 🤣

[@CalebHammer]

🤣🤣🤣🤣

[@spencerfurman4705]

As a Lions fan, this is super hilarious!! 😂😂

[@michaeldew7904]

More NFL championships than the Vikings. Of course the Vikings weren't around in the 1950s when the Lions won last. Though the Lions did beat my team twice this year.

[@MarvinKMutts]

Real

[@lasenoradelacruz]

Caleb made me realize how much I spent on bullsh*t. I deleted all shopping apps on my phone, paid off purchases, closed five accounts. I wish people would realize how consumerism is literally drowning us into homelessness. Let’s repeat Spongebob’s mantra “I DON’T NEED IT. I DEFINITELY DON’T NEED IT!!!”

[@CalebHammer]

You’ve got this!!

[@lasenoradelacruz]

@@CalebHammer OMG Caleb I love you THANK YOU FOR ALL YOU DO!!! ❤️❤️❤️

[@paullopez2021]

Literally same. I *need* to setup a consultation w/ Caleb. No way am I gonna make the most money I’ve ever made in my life, while making the same dumbass mistakes.

[@simplysteph19]

Same!!! I’m obsessed with watching his videos, it’s opened my eyes a lot to my own spending!! I‘be been not only wanting to make changes but taking action as well! THANK YOU CALEB!

[@justinebailey5333]

Right

[@SKetChy7100]

This girl would make a great politician. No direct answers. 😂

[@nomadnomad3109]

Dead on. Just so much dancing with answers.

[@capincrunch1184]

Yeah lol it’s crazy 😂 she could cheat on you and have you wondering if she actually did because she would never answer directly

[@grievix2934]

@@capincrunch1184 and then she would get you thinking if YOU are the actual cheater 🤣🤣🤣 the girl was seriously talking about everything BUT her debt 🤣

[@drdavinsky]

I retired at 28 and give way better tips

[@capincrunch1184]

@@drdavinsky I’ll give you just the tip if you tell me 😂 I’m jk I just had to it’s so easy I had to but for real how did you even retire that early

[@ChelseaB-qj2ec]

The credit card chopping was so incredibly chaotic and amazing, her mind was BLOWN lol! I would love to see a follow up episode with her, she seems so genuine in listening to your advice and digesting it.

[@chrisurban7939]

Caleb, a visual aid would help your guests conceptualize your ideas/plans much easier. Writing out your monthly plans, on a white board or excel file, while you think them out loud would be tremendously beneficial. It's hard for non financial people (as you obviously know already) to understand these concepts without actually seeing the numbers move month over month. For example, when you say "in month 1 take this leftover 1k and pay off this $800 debt and 200 to this other one, now you have an additional $100 of unused minimum payments so you can put 1.1k next month towards this 5k card and save x amount on interest because of it"...Showing them how those would move MoM and how quickly they can erase certain debts would give them a clearer understanding and i think you would see a serious boost in commitment. Regardless, good stuff with these videos. I typically agree with 95% of your takes and plans on these situations and I commend you for taking time to help these people who would otherwise never receive the advice they need.

[@OwMeEd]

They generally seem to understand, but a visual aid is a good idea for the audience anyway.

[@Ayaymeer]

I agree with this comment

[@zacharystrong]

Great idea, write on a tablet and have it cast to a screen.

[@phebegault468]

She gives a lot of excuses, but I think at big part of her confusion was not understanding his numbers, I agree a visual component would help tremendously

[@jnak1729]

He has started doing this in newer videos. It's super helpful for the audience!

[@kyleeyeatman8790]

I think she's the first one I've seen who was able to repeat back the exact steps she needed to take once she left your studio - I really hope she does well!

[@herrpez]

Given all that came before, I was completely floored by that part.

[@hanspz5505]

Her situation isn’t even that bad, just a few thousand credit card debt she could pay off

[@eliana3638]

she was adorable lol

[@M_SC]

She was smart and she’s energetic and mentally healthy. Some of them are depressed or distracted or dopey.

[@wizzyno1566]

That doesn't matter. She doesn't earn enough to live in the modern world. Without changing that she is doomed.

[@Nintendogamer757]

“Define withdraw from my checking account” 🤣🤣🤣

[@CalebHammer]

😩😩😩

[@tk3831]

Had me dying too, but these are necessary conversations because many people are making the same mistakes. Glad she was brave enough to go through this.

[@ElinWinblad]

I’m rich since I only barrow from my checking account 😂😂😂😂😂😂 then it reappears 2 weeks later

[@XxMirrorFlashxX]

That shit was wild 😆

[@cheyenne8562]

33:42 Caleb: “get a boyfriend have him pay for stuff” Jillian: “… I’m gay” Caleb: “get a girlfriend have her pay for some stuff” Comedy gold

[@AmyJLiang]

I was looking for this comment 😂 Caleb being incisively savage.

[@AChickandaDuck]

That sent me! 🤣

[@roshunepp]

How about sacrifice instead of passing the buck. This advice is absolutely disgusting.

[@myyt3824]

@@roshunepp no, it’s reality. Two incomes in one household works far better in this economy.

[@Oliviaandtrina]

His timing on that was impeccable 😂

[@Katadori09]

This feels like one of those success stories where Caleb caught this kid before she fell through the cracks, she did what she needed to and listened well, and she's going to be okay.

[@EvilSnails]

I had a hard time listening to her excuses at the beginning but at the end of it she was charming and open-minded and BIG PROPS on her memorizing next steps and summarizing it so well! I hope she really understands how much pain Caleb saved her from by removing those credit cards. I'm rooting for you and I hope they show these videos for educational planning courses in highschool.

[@kjaye2766]

Dearest Caleb, The guilt and shame this channel has made me feel has motivated me in paying off credit card debt this year. Sincere gratitude to you sir, thank you. Warmly, human drowning in interest rate.

[@LIVEINPEACE2023]

😂😊

[@bunkerchester2623]

😂😂😂

[@Bratoftheball]

Congrats! I’m almost there myself!!!! ✨

[@fayealh]

i wanna be on financial audit next year when i have paid off my stuff so Caleb can be proud of me LOL

[@xreyes34]

This is the best comment ever 🤣

[@stropheum]

This girl has really good energy and seemed really genuinely receptive. I would love to see what she's doing in a month or two. Please bring her back Caleb!

[@Supermoneygang12]

Good energy?? She’s sitting there lying through her teeth the whole time she’s a snake💀

[@LarsHaendler]

For the first 20 minutes I was torn between crying and laughing. The lack of structure in everything in her life leaves me speechless.

[@calendarpage]

I kept talking to the screen. The retired professor part of me was like, "Answer the question!" the mom part was, "What is wrong with you? Stop trying to project an image. Be yourself and live within your means."

[@MegaRaywin]

@@calendarpage I’m here like, “Use your words!” Then I find out she’s basically a copywriter 😅

[@herrpez]

"Define spending..." I was screaming at the screen.

[@thepearlswirl]

@@herrpez same 😂😂😂

[@SailorV1234]

I was laughing thinking, "She's GOTTA be trolling him!"

[@charc116]

Probably one of my favorite episodes. Definitely got a few laughs out of this one! I’m rooting for her! She seems like a genuinely nice person who wants to turn things around.

[@grahamthecardman]

"I'm gay, it sucks, we split everything" is the funniest response I've heard in a long time. Comedy gold.

[@jadevu904]

Can someone in LGBT confirm this?

[@tylerkinley268]

Suddenly it doesn't sound so bad...

[@themurderbotfeed7688]

pansexual here, can confirm. Best thing is we also split housework 50/50.

[@arirandle8411]

Me and my bf take turns buying dinner switch who drives it’s all fair no one complains.

[@nickthemage2052]

Ive never laughed harder than the pure panic she had thinking cutting the card would stop automatic subscription charges on it lmao she was a very good sport this episode though

[@okoala62]

😂😂😂😂

[@Oliviaandtrina]

I thought that was so hilarious, like girl do you think cutting it shuts it off? Like the cc company doesn't have sensors on it to know when it's cut and turn the card off 😂

[@M_SC]

@@OliviaandtrinaI wonder how long it will be before they do? Not so many years I bet.

[@lizzyblitz07]

​@@M_SC that would lose the companies money so, never

[@brooklynnewright7219]

Man Caleb you’ve literally changed my life. I had a heart to heart with my husband about our spending, we went through how much we spend monthly, did the whole 50,30,20 rule but 60,20,20 because of daycare being crazy. Anyway, we’re in a much better place now. I’m very very grateful for you man.

[@CalebHammer]

Wow ❤❤❤❤❤

[@CodyHeimbach]

She seemed a little confused in the beginning, but she genuinely seemed on board with the plan. Wishing the best for her.

[@fluxoteen]

5 minutes in I thought she was a lost cause, but by the end she seems absolutely committed. Great job both

[@dreamerlotus]

The cutting up of those cards was delightfully savage. This was one of my favourites of Caleb's videos. A bit different seeing someone with such a low income try to manage their money. She was super sweet and earnest about it, hope she does well with her jobs to get that emergency fund!

[@berri6015]

When someone asks me something about following my goals or just sticking to anything and i don’t have a good answer I’m gonna say “The data is accumulating” lmao that was hilarious 😂😂

[@esv_sun]

My favorite comment too 😂.

[@Reindeer_jay]

It’s a great line 😂

[@justinebailey5333]

Right

[@brandonboyd8252]

Mad respect for Caleb, he may sound abrasive to some but you can tell hes really looking out for these people. It’s the tough love and education that these people needed from a younger age

[@CalebHammer]

Always 😊

[@soapa4279]

Caleb is just an intensive care bear

[@graphitebeans]

@@soapa4279 I think that would be amazing merch. Green carebear with a dollar sign and Caleb’s face - “intense financial carebear”

[@okoala62]

@@graphitebeans lmaoooo YES! 😂

[@bigpoppa4094]

best part of this show is caleb keeping it 100. can tell he is fighting a line of knowing people will being offended and finding solutions to and reasons for peoples bad financials. its uncomfortable for people to hear the truth of their bad ways

[@popyNcorny]

She was a really good sport and has a good sense of humor, and she seems like she will actually try to make changes

[@Emma-nm1qk]

This was such a fun episode. Jillian is adorably clusess and such a good sport. Stick to the plan, you've got this!

[@LaraPicasso]

She was an absolute delight, I love how through Caleb rants she understands what she needs to do! Definitely wanna see her update!

[@user-qd8zm1wo1g]

I feel like Caleb is the definition of chaotic good 😂 this one was very entertaining! I’m rooting for ya girl

[@BrightestWitchBricks]

It’s like watching a tennis match. The back and forth in this ep is gold. Cheers to the editor on this one 🥂 - especially with those waxing comment close-ups 🤣

[@Kathysings123]

Lolol yeah its my fav episode yet

[@athrunzala798]

It's such a trainwreck, but such an entertaining one lol

[@JoshiiWah]

My fridge broke 🎾 You buy a COOLER 🏓

[@Kathysings123]

@@JoshiiWah hahhahahaha

[@matronedea]

Her attitude and personality through all this are so charming. Like she absorbs the information and seems to really want to change and grow from this. So positive :)

[@dankus.memeokus4192]

I disagreed till she chopped the card this girl with it😂

[@dragonstooth4223]

at the start of the video, she's the poster child for why there needs to be a compulsory financial literacy class in high schools

[@michellecd4722]

Feels fake to me, overacting her own life role.

[@damaris2085]

I am 20k in debt and wasn’t keeping track of my finances. This year, I promised myself, I would pay it off by the end of this year. I cut off all my extra/unnecessary expenses and finding this channel has motivated even more. I honestly thought I was doing horrible and was in a really bad financial position. I know Im not at my best, but definitely much better than I thought . Thanks for the motivation 🎉

[@JollyFlys]

How'd you do?

[@ofpactual4518]

Dude your sub count is freaking flying. I so wish they would play one of these videos everyday to high schoolers nation wide. Thanks for making something truly great. I needed this when i was younger before i made all the mistakes in my 20s

[@sarahschreffler5407]

Would you have listened as a high schooler? I have a 15 year old and have been considering what I can do to help him not learn things the way I did. Because -- my parents tried when I was in HS. I remember it. And yet, it took getting out and making money on my own -- having bills that HAD to be paid before I started to understand. Oh and a friend I respected heavily recommending _The Only Investment Guide You Will Ever Need_ by Andrew Tobias in my young adult ages. And it still has taken recommitting to over and over at different stages (Crown Finacial Ministries when I was newly married. The Budget Mom within the last year or so) -- and not prevented letting things get out of control. All it takes for me is letting my finances go back on autopilot and things spiral again.

[@10toFIRE]

Based on how focused she became for your recommendations, I think she is one of the more promising candidates for becoming a success story. I hope there will be an update video down the road, I think she is going to turn it around.

[@cgyang]

I agree. She may have started out rough. But seemed to listen and compile everything Caleb said and not push back or whine about making sacrifices.

[@10toFIRE]

@@cgyang Yes! Great attitude about the changes, no pushback on what needed to be done. Loved that she repeated back the steps a few times to make sure she had a full understanding of each one.

[@timmurphy14]

Lovely young lady. I hope that she follows the guidance and builds to a wonderful financial future.

[@marcccreates]

Agree! And hope there's a follow up to this. We wanna see a success story too!!

[@bwbuske]

I am 16 y.o and I am glad my parents have been putting financial literacy and sensibility since a young age. I am hoping to never have a problem like this in my life, I have binged a bunch of these episodes to get advice on how to not screw up. Thank you Caleb.

[@tosinalade853]

Same. My parents are hooked on Dave Ramsey and I already have 2 jobs and have about 4k saved for a car. It is a blessing knowing about finances from an early age before making life changing decisions as an adult

[@sococomfort22s34]

The big thing about you younger folks is picking the right college or vocational school. Ramsey had a good program with his hired people, talking to kids about the choice of schools.

[@matthewkrislow3442]

How did Caleb not acknowledge your comment

[@lindzriddb]

At what age did they start teaching you? My son is five and I want to make sure he’s extremely financially literate by the time he’s 16-18..if you can let me know any things you loved that your parents did for you to educate you would be really appreciated on my end!

[@bwbuske]

@@lindzriddb Since I was like 5 or so, been saving birthday and Christmas money for a while, had about 800 bucks cash saved in a decade thanks to them.

[@andrewb6241]

I know some people get after Caleb for being mean, but that honestly is the magic of the videos. Getting frustrated and calling out BS is what makes this channel awesome.

[@mylliej3695]

agreed! him calling out bs makes me call out my own bs

[@drscott7359]

Anyone calling that out is just twitter types that don’t like him and want a reason.

[@tylerschumacher3121]

She's my favorite video so far, and would LOVE to see her on the follow up channel!

[@annecobb9939]

we stan a king who works on a government holiday

[@Ratclan]

Lmfao

[@jocelyn2827]

A man of the people 😂

[@emmyjulianne6850]

The law office I work at isn’t even closed today 🥲 everyone I’m emailing I’m just getting OOO messages. Wish it was me lol

[@frumpusnumpus]

Almost missed work cuz I thought my company would take the day off too. Glad I checked my email. 😂

[@jadiecakes3241]

do you guys in america get public holiday pay for those gov holidays? or like if your worked new years day or 4th july (which i would assume is a public holiday?)

[@fartingrocket6795]

Every person in this show : I’m bad with money. Caleb : I can fix them ❤

[@justinebailey5333]

Right

[@AaronHalpin]

He can give them advice to fix themselves. The action of getting out of horrible bebt is a lot harder than telling someone how to get out of debt.

[@fartingrocket6795]

@@AaronHalpin I agree. However, Caleb is doing what the education system should have done in the first place : teach people how to handle money. And that in itself is half the “fixing”.

[@ag4allgood]

Happy B Day Caleb ! Jillian is a good example for everyone her age living at home. Don't waste those financially positive years. Work & save as much as you can to live your BETTER life down the road.

[@sam.shock924]

This has been by far the funniest, and most enjoyable episode 😂 her energy is amazing

[@totallystoopid234]

Caleb this is peak infotainment! So happy to see someone who has a great personality coming into the episode and a financially committed mindset going out of it. You caught this one young, early, and before the situation is realistically irreversible so I know how grateful she will be for the session. Keep doing the work of financial saints!👍

[@qwertyhimym]

Caleb throwing the cut up credit cards in the air like confetti with the monotone “celebraaaattee” is sending me💀

[@kantoshero]

This whole series makes me wonder how you would feel about my financial situation. We can’t go based off last month though because that was a unique month 😝

[@tummygrumbly2602]

Caleb, i wanted to thank you. I found your channel at the start of this year and have now put together a budget and plan. I am paying off my 7 year loan on my car in a year and a half and also plan to have 12k in savings at the end of the year (was zero) and at the start of 2024 with minimum debt i am going to begin my road to maxing out an IRA every year. Thank you so much im 28 march 1st so a bit of a late start, but again thank you for getting me to start this journey

[@CalebHammer]

You’ve got this!!!

[@tummygrumbly2602]

@@CalebHammer i will reply to a video in 6 months with updates

[@stephaniedouglass3265]

28 is fairly young still, it's definitely not too late. Good luck, you've got this!

[@tummygrumbly2602]

@@stephaniedouglass3265 appreciate you 🙏

[@TinCents]

Awesome! Don't stop there. Learning how to save money is only one very basic but crucial step. Once you learn how money actually works, you'll hopefully begin to understand that trading time(having a job) for money is a huge waste of time. I quit my job 10 years ago, and 2022 was the first year I made over a million dollars. Learn how money works very important. The first lesson is that ALL money is debt and is created without any effort by a private company that has a monopoly on creating money(debt)

[@People_Scare_Me]

“Do you have a degree?” “No” (Degreeless) That shit made me laugh

[@meishamom7298]

She is taking this all in and is so genuine. She knows something wrong and wants to get on the right path.

[@RoyalGlow]

LOVE that Caleb cut up the credit card and then threw it at her 😂

[@KwangSooGaming]

Was looking for this comment xD

[@KFoox27]

He's been wishing to do that for a while 😂

[@adamseidel9780]

I’ve been WAITING for him to start doing this. We KNEW it was coming.

[@josephbrown9685]

It’s Caleb’s form of therapy.

[@rhiesa3945]

Cutting up the credit cards was the funniest thing I've seen this month 😂

[@SativaHippieThoughts]

Caleb, I love how so blunt you are!!! The balance of comedy and education is pure golden for me. Thank you, sir 🙏🏾 🤣

[@justinebailey5333]

🥂🍾🥂🍾🥂🍾🥂🍾

[@zanneizzo8113]

I am so glad she sought help before she was buried in debt! She has Caleb, her parents and her attitude all working for her success. If she can buckle down for the day to day discipline she needs, she will be the success she desires.

[@MinneapolisMommaD]

These videos seriously changed my life. I can’t begin to explain how deranged our spending was and how much I didn’t realize it. These have put it into complete perspective. My family is leaving the cycle of living perpetually broke and in debt, and watching these videos are the trigger. Thanks Caleb. We’re Financial Audit fans for life.

[@kerstonhuston540]

With her experience she should search for more digital marketing positions. If she took a couple of those free Google certificate courses, plenty of start ups or agencies would probably hire her in a heartbeat for a decent salary, especially in Texas. Course Careers also has a digital marketing certificate course, if she wants something more structured.

[@adamseidel9780]

She could also start a little contractor business and pick up a couple similar small clients as a contractor. Would go well with her acting dreams. She’s actually making a little money acting, so she isn’t as much of a hopeless dreamer as some of the other clowns on this channel, but she’s not supporting herself yet either.

[@Scott_Stone]

Yep, so true!

[@GlamGoddes101]

Yea she can get hired full time as a copywriter at this point with her experience…

[@parker4556]

Another great video Caleb! Cutting up the cards was hilarious and would make a great reoccurring segment. You should start filling a jar on the shelf behind you with the ones you cut up (with the numbers covered obviously). It would be great to see it fill up and would encourage more guests to do it!

[@freefree1664]

lo and eventually it could be made into a dead card collage to frame in his background

[@barillaroj]

These videos have really helped me change my perspective on my finances, so thank you for what you do Caleb!

[@CalebHammer]

Thank you!

[@marjorievuyiswa5350]

I was just thinking the same. This videos cured my “stupid eating out and boba addiction “ thank you Caleb

[@ThisisJenn]

Thanks to Caleb's tough love, I started paying off my credit cards AND I canceled my subscriptions for Audible, Kindle, Paramount+, downgraded my Hulu subscription (I should cancel that too) and changed my car insurance. 🙃 Financial Auditing myself

[@Lilsnukems]

Love her personality… she is genuine and seems motivated. Would love to see a follow up video! Good luck! We believe in you Jullian!

[@lmelior]

Broooo, cutting up the credit cards on camera was freaking savage and utterly fantastic. Love it!

[@scs368]

This episode succeeded in giving me a headache/cracking me up and pissing me off lol. Great content man, keep up the good work 👍

[@CalebHammer]

🤣🤣

[@caitlynmartin7703]

Love the little win. She labeled the emergency fund account. You go girl.

[@josephbrown9685]

One of the things I’ve noticed on this show is how many young people think they have to go out and eat at restaurants to have fun. It’s a problem of modern society. I like the fact that Caleb points out examples of how to have fun without spending much money.

[@a-a-rondavis9438]

​@@rd24lifenot for me. Being out in public with random people make me hive up. I'd rather be scaling a hill hiking it, or spending time with a close friend at their house. I haven't been to a restaurant in years. I can't enjoy eating around a bunch of other people and looking around.

[@mosescosme8629]

I'm so proud of her. She really internalized your feedback and seems to actually want to build an awesome financial foundation for a good future.

[@AChickandaDuck]

I agree, unlike some other guests she really seemed ready to learn and to absorb the information

[@PisceanAviationTraveler]

Caleb, I wish I had someone like you in my corner when I was going through my debt era. It took 2 years to build up all the debt that I had (from reckless spending, spending frivolous on others who never paid me back, having my cards hacked by my ex, etc) and by the time everything spiraled and I was on the verge of being sued by 6 different companies, is when it all crashed on me. I ended up in a debt program for 6 years and worked on a payment plan with everything else. I had to increase my work hours, nearly driving myself into the ground to get everything level. No excess fun or anything, heavy budgets and close monitoring of everything. Your tough but I'm happy to see you help people to balance their finances. What took me 2 years to accumulate took 10 years to pay off. Great advice that you give everyone. Keep up the great work!

[@debbieharris1628]

Good for you getting your debt sorted! It's hard but worth it for the peace of mind ❤️

[@PisceanAviationTraveler]

@@debbieharris1628 Thank you very much. And that peace is the best feeling ever

[@MyBlazingLife]

I’m considering applying for a debt relief program. How much debt did you have when you applied?

[@PisceanAviationTraveler]

@@MyBlazingLife $30K

[@truthhurtts]

Finally back on schedule to appreciate all the work Caleb does. Commenting for the YT Algorithm Pt.82

[@InternetUser._]

Algorithmic reply numero uno.

[@truthhurtts]

@@InternetUser._ W

[@nomadicyears3978]

The waxing conversation was the perfect comedic relief to the insane stress the first 20 mins was giving me 😂

[@ggarzona]

Dude "get a bucket and ice!!!!" really had me going 😂😂😂😂😂

[@magenmcdurmond3672]

I didn't think I was going to like her, but I love her!! She's the only one I've watched so far that really actually wants to make a change! It's frustrating to watch Caleb give great advise to people that you know aren't going to take it! Love her positivity!

[@joseeinthewild]

My credit card debt is ridiculous and the interest is killing me. I haven't spent on them for a few months and am starting to chip away at them. I love this show and it keeps me motivated but I also relate and feel so guilty for my habits previously

[@MeganManXxX]

Progress is the the goal. Try to turn the feeling of guilt into a feeling of urgency to correct your course. It’s crazy how nobody is teaching us how to truly handle money when we are young and need that help the most. You got this.

[@jenrich111]

that's healthy shame and guilt😂. Be Caleb-firm with yourself !

[@Candlelb]

How are you doing?

[@Trickster_24]

Great episode, as naive as she was about her own finances, and she did also have a few built up excuses, but overall she accepted personal responsibility for her situation, was very accepting of Caleb's guidance, there are few people who come on here and seem as determined and willing to learn as she was and after the first couple excuses she was pretty okay to be told why she was wrong. And held no anger or resentment about Caleb taking her cards and cutting them before she agreed to do so. While I think that was exactly the push she needed, it's very much pushing the line of what you can be doing to help people

[@elijimenez7710]

How is it pushing the line? If she wants she can call that company to send her a new card. They will happily send it to her so she can keep spending.

[@Trickster_24]

@@elijimenez7710 its her property. It doesn't matter how easily they can be replaced (and often there is a fee). People can't just take your shit and destroy it

[@colbypitts8483]

ive gotten into finances recently and love having these videos in the background while I work. Ive been here when you were under 40k subs! So glad to see your channel rocket up in popularity. Every video I can tell there is something impriving too, weather its the audio, editing, where yall are shooting, and overall production in general. Keep up the great work!!

[@dustinadair7893]

I love this channel, man you’re gunna grow the hell out of it and it’s gunna be as big as Dave Ramsey - if not bigger. It’s awesome man, keep it up. You already got Graham Stephen talking about you.

[@Oscardc398]

Golden retriever energy!

[@guinea_horn]

"WHAT ARE *YOU* WAXING" Jesus Caleb lol

[@Sam6721]

Love the videos. I hope the actors/actresses are taking your advice serious and not just going on the show to use as a launching pad to gigs

[@kimberbell4238]

I think she can do this! She wants to go back to having fun as soon as she can, so she will bust her ass to get there as quick as she can!! Can't wait to see a follow up on her story! You got this girl!!!!

[@kfitz192]

Caleb ✂️ with credit 💳 was absolutely badass!!!! But I loved it even more when she cut the second one. In the end she seemed to take it all in. Wishing her every success!

[@ltltornado3337]

She is so sweet. I hope her parents see this and are supportive. Once she starts making more money she'll hopefully do really well applying what she's learned. Not making enough income makes everything harder

[@shaylaab_]

Kudos to her for her cooperation and understanding 👏🏽

[@kreneesimo]

So close to 200k, absolutely blown away with your growth! Congrats Caleb. Love your videos and clearly others do too.

[@facedoyle]

This was my favorite exchange! You could see her fight to cut the cards but did so because deep down she knew it was right. Finance is all mentality, and she is taking the steps!!! Super great to see

[@ashleygraham3402]

I LOVE HER, the waxing convo has me laughing so hard! 😂❤

[@SteadyPlebi]

This channel makes me feel much less behind than I actually am. Currently have a 6k emergency, and 20k in investments at 31. Hoping to save 20k a year for at least the next 4 years to max my TFSA. It's rough, but doable on my pay. I give myself 100 a month for "fun" and hand-made all my gifts last year. Had way too much fun in my early years. Two years into my grind to reset. No debt left, have a shitbox car, and a stable job. The re-affirmation this channel gives to my current goals helps a bit. So thank for the videos. Next step is increasing income through another stream.

[@bantering4711]

Holy poop, your almost at 200k subs now! I remember back when you only had like 30k, big props to you and your team Caleb

[@CalebHammer]

Props to you for supporting!!

[@grace13171]

You could tell she was really paying attention and trying to understand the steps. She seems so excited for her future, I really hope she does well!

[@missbeauxbaby]

I agree! The ending felt hopeful! Which is not typically the case with his guests. 😊

[@WiltedCelery]

Obsessed with this series. Wish you would do a podcast with people from other states, would be so interesting to listen to! You've inspired me to buckle down and be uncomfortable for a short period for long-term freedom.

[@shellbellexx3]

Ok I know she is a debt mess but she is absolutely adorable. I hope she gets out of debt and lives the life she deserves❤

[@ClaudiaFritsche-es3ge]

You're killing it Caleb. You give the most realistic and applicable (not official) financial advice out of all of the financial gurus I've watched. I really appreciate your dedication to providing solutions that ACTUALLY keep up with todays economy. I wish I could send all Dave Ramsey followers to your page, but I will never stop recommending this channel to friends

[@robbinova]

I would love to see a follow up in the next 6-7 months. At least she's taken in everything you've advised her on which seems promising so I hope that she manages to stick with it and does well!

[@brandtc.7991]

Seriously, my friends and I watch all your videos!! Please keep it up! I was busting out laughing with you cutting up the card!!! I know you might not see this, but a good way to let people still have "fun" is by letting them still go out with friends, HOWEVER, they can just sit there with them at the bar or Restaurant, they dont need to spend. The vast majority of people just want the company while they eat or drink. I use to do this in college and after I explained to people "I ate before and just trying to save, but I love chilling with you so dont worry I dont have food, its fun for me" After that, even more people would ask me out to go chill and stuff and I never spent a dime, but had a blast! So people can still go do things, just pre eat and stuff, then go. I recommend this becuase lots of the time people freak out that they "cant live life", but there are great ways to not spend and still have fun.

[@KaitlynChristineee]

Favorite Caleb quote so far: “Do you KNOW your money?!” 😂

[@Luke-mh2uj]

this was actually hilarious. she handled Caleb's feedback so well! I sensed "co-host" chemistry here!

[@Erin-ce2wj]

I agree 1000 percent

[@paulaa.1445]

“I’m glad you’re all WAXED but congratulations you have debt!” LOL

[@Aunny123]

“Then you get a cooler and ice!” I literally spit my drink out. This guy is so funny 😂

[@tsunaida]

The “wait wait…… love wins” right before you cut up her Discover card had me ROLLING 🤣

[@vanbeek62]

Happy Birthday Caleb!! 🎂 Don't worry about V-Day, we all love you! ❤️

[@kayleighterrace]

Jillian, I love you, you're so open and willing to sort your situation out. A lot of people can learn from your attitude!! All the best xx

[@amandalangworthy7162]

Cutting up the card was comedy gold! 😂 So glad I found your channel! I recently cleared my credit balances and reviewed all my own spending for the past few months. Love it!

[@IvyLilley]

Best part of my Monday is when Caleb uploads! Edited to add that I’ve been waiting for the scissors for so long to happen!

[@untalked]

That’s a sad life

[@IvyLilley]

@@untalked do you know how bad Mondays are??? 😂

[@residualramirez]

MY FAVORITE PART 12:31 “Our fridge broke” “Then you get a cooler and ice!” The look on her face 😂

[@wcristian]

I love the serious! I definitely need to give props to those who do these interviews. Even though I think I’m good with my finances I think I’ll be audited very harshly but sometimes you need hard truths. Keep the series going I love it!!

[@ChristianManYT]

I love how accepting she seemed to be about her situation and what she needs to do to get better. I hope she does well

[@BrandonWestfall]

lol the meltdown when you cut one card and made her cut the AMEX card cracked me up.