She Refuses to Pay Her Rent... | Financial Audit Disaster

Here is my response to ‪@CalebHammer‬She Refuses to Pay Her Rent | Enjoy! Original Video Here: • She Refuses to Pay Her... | Add me on Instagram and Snapchat: GPStephan
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[@garyis2000]

Actually, Colleges DID team up with financial institutions to market credit cards to students. This shouldn’t surprise anyone. Colleges got a cut AND made money by that credit card usage.

[@bengunn6571]

I thought that was you Gary! Had to click on your YT account to verify.

[@pocketing7292]

THIS

[@coletrainisback]

That was how I got my first cc 10yrs ago $1000 limit and no job lol

[@ykells]

Same, my community college had booths all lined up of wells fargo, chase, bank of am, etc. all leading into the cafeteria so you passed by them every day to prey on 17y/o me 😢. I paid off and cut those cards up and DON'T miss them.

[@garyis2000]

@@bengunn6571 hi my friend:)

[@KenjaD2ROfficialMusic]

4:05 that’s not a thing in va. Renters are completely unprotected. My rent went up from 825 first year to 950 second year and now third year it’s 1276…much higher increases than 3-5% I wish. Moving at the end of my lease term in November. Place is ridiculous to continue raising rent. Already got word they’d raise rent another $200 next year -_- got me twisted.

[@KenjaD2ROfficialMusic]

Rent was never at a freeze over here not even once. Smh

[@comment2250]

If that woman ever won the lottery, it would only magnify her horrible character, give her the chance to demonstrate how irresponsible and immature an attitude she has.

[@beckypetersen2680]

I think she was high.

[@kevinb8881]

LOL!!!😂😂😂

[@MariaCarattini]

That's what I thought, or That's how that person sound.

[@emilycurtis4398]

Yeah, that's what I figured.

[@anthonykingston7977]

Yep

[@joem1950]

Pretty common for her type

[@oldguy2764]

If she pays her rent, she won’t have enough money for expensive coffee.🤔

[@TheContrarian09]

You will know people are trying when doordash is bankrupt. Not a moment before.

[@cuthysmalz2]

If she is honest about not paying rent. That's disgusting behavior from a thief.

[@DionTalkFinancialFreedom]

Kinda shows you didn’t go to college lol. They set up credit card booths at job fairs. “Get your credit score up now before you hit the job market. Employers won’t hire you without a credit score.” It’s a really stupid mantra they keep repeating.

[@RichLaFlare]

Can you do a video breaking down the lady in LA that refuses to leave her long term AirBnB rental? She wants 100k to leave the property

[@HepCatJack]

Wants to win the lottery, feels no obligation to pay for her ticket.

[@May-qb3vx]

I am a lot happier with my new job AND I got a 27% pay increase. Very lucky.

[@tokyojon4344]

My issue with college costs is that, today American Universities are literally the most expensive on the planet (just as is, US Healthcare costs). When I went to college, granted in the Fred Flintstone stoneages of early 1990s, my instate tuition at Arizona State was $500/semester for unlimited classes. And meanwhile recently my nephew went Gettysburg College at $80,000/year. To me, this is completely nuts. And while it's easy to blame him, my sister (granted not the brightest bulb) advised he attend there. Today, he's got a useless degree, and over 1/4 million in debt. His life is financially ruined.

[@jonahwhite4195]

He is young, he can crawl out! Though it will likely be many years of crawling

[@Stephanie_12345]

$250,000 very hard to dig out of.

[@Libertaro-i2u]

We can thank government meddling for both.

[@tokyojon4344]

@@Libertaro-i2u Actually ... NOT. Quite the opposite. In every other country on planet, the government regulates costs. Gov't regulated cost of education and cost of healthcare. In the US, it allows large companies to charge whatever they like ... and they do.

[@vpnconsult]

Zero accountability This is scary 😮

[@xxjjgdrgn]

My university brought in the local bank and they gave you a power bank if you signed up for a bank account or credit card 😂😂😂😂

[@bearparts]

She is what is wrong with people in general today. NO RESPONSIBILITY.

[@dynamichunter843]

She won’t make it far at all and will be bitter and posting in her 40s for someone to save her and how nothing is her fault

[@kareemmendoza5004]

​@dynamichunter843 it's harsh but it's true. My generation is entitled and wants everything for free.

[@bearparts]

I don't think they ALL are. It could be how they WEREN'T raised. And living in a new era of "press a button and it arrives". Even my age group gets caught up in that.@@kareemmendoza5004

[@basedabdu8653]

Entitlement is the default mindset of a healthy individual.

[@DonesdeMotivacion]

Then people say “but Graaahaam, life is so difficult and we can’t have a family” BS

[@jaimonga]

Don't agree with Graham when it comes to all savings and no fun. What if there is no tomorrow? Balance between saving and enjoying the things you love is key.

[@turtleanton6539]

Indeed it is key

[@daphne10120]

She’s the type of person to cry foul when no one wants to rent a place to her because her credit is so bad. Just the worst type of person. Thanks Graham, you dropped this at the perfect moment to encourage me to make lunch at home instead of eating out.

[@dakotahopely330]

50% saving on pre tax income is insane. Every financial calculation should be on post tax income not pre tax.

[@nodsib]

Going back to a Caleb Hammer classic, I do miss the Audit on the Street videos

[@victors16811]

Don’t wanna lie but being responsible is so stressful, sometimes I envy the looser mentality like that 😅

[@turtleanton6539]

4real

[@maureenviola]

Rent stabilized in NYC is not FROZEN rent. It goes up every year or two (if two year lease) - it’s just that the rate of increase is controlled by the government. My rent has quadrupled in forty years but is still a great deal.

[@AlyssaADUB1D]

They were a bunch of banks and credit card people at my college lol

[@TruVibezz]

listening to you talk about why its unreasonable for you to not raise rent is painful

[@Alepoke35]

Glad my college TA had a investing passion and raved about investing instead of talking us into getting a credit card

[@donkramer8848]

People not contributing is hitting a tipping point and will start the downfall of society. The shoulders of the hard working can only bare so much

[@frozenheart7133]

You ever seen the chart where wages are compared to productivity?

[@donkramer8848]

@@frozenheart7133 I don’t need to see charts, I see it at work everyday. People that are unhealthy, over weight, and doing 1:3 the work of others, and still complaining they are overworked…..trust me this is taking a toll on the people pulling the extra weight. Everyone has convinced themselves that they are a hard worker and it simply isn’t true, the average worker of today is half what it was thirty years ago. When people have it too easy many will take advantage, this is happening.

[@rmkenny412]

Literally every college sponsored vendors that would try to sign you up for a credit card. They were all over student unions/centers. So maybe a professor didn't but when the booth is on university property, Yes it is the university advising you to sign up.

[@solidstream13]

This is criminal.

[@Devinn504]

Damn bro went way back to when caleb had around 15k subs. This was around the time I first subbed to him. Lol

[@FricknA]

There are young people like the first lady who think the same way as her.

[@hypeboi676]

She looks like a great value Doja Cat

[@gabrieljohnson1969]

😂😂😂😂

[@SarahWilley838]

You found my favorite Caleb Hammer clip! I can't wait for him to bring back audit on the street.

[@swirlcrop]

Actually. Many colleges will advise students to get credit cards. I've seen it many times. It's laughable and sad at the same time.

[@prycenewberg3976]

I just finished reading "Stop Acting Rich" and that last guy was a classic IA (assuming he ever becomes a net worth millionaire). He overspends because he thinks that's what rich people do.

[@lawrence-juniornalty]

I know what she'd barter . . . but I don't want to get demonetised 🤐

[@turtleanton6539]

Ofc

[@TheRachag]

I love this assessment!

[@bradley5822]

Hey Graham your vidoes have seriously helped me get a grasp on how to start my financial journey, thank you so much!

[@TheGrahamStephanShow]

Happy to help!

[@elijahclough]

I mean college also encourages you to take out student loans and go into to debt sooo it wouldn’t surprise me if they encourages credit cards too.

[@turtleanton6539]

Yes indeed 😊

[@Bustudent1]

Graham: College wouldn't tell you to get a credit card and that crazy debt... College: YOLO guys come study w/e womxn studies or w/e useless thing you want, study now, pay later get some loans, grants, w/e we'll help you apply for as much debt as you want

[@frozenheart7133]

Who could imagine a college convincing young people to go deep into unplayable debt?

[@Harshtruth37]

I fear for my daughters future if ppl are more like this woman. Straight up, I would disown my daughter if she was like this. You made your bed, now you sleep in it. You signed the line, nobody had a gun to your head.

[@GodCries4Monday]

Great video

[@mw6346]

This lady is the reason employers check credit.

[@28cthedestroyer]

Gotta love the street interviews, he should randomly do them once in a while but I can understand if it affects his anxiety

[@gesshoku92]

Go to colleges they do recommend credit cards mine had like a Mastercard office on campus right next to the food court .

[@ronnie5151]

Even so, people need to have some sense about what to do and not to do. A guy offering fentanyl on the corners doesn’t mean you need to get some. 😂

[@mitchgarcia4455]

5:14. bruh how do u think college wants u to pay them 💀

[@obsesivegamer]

U paying your tuition with a credit card?

[@HepCatJack]

Colleges encourage students to get a credit card so that they can start to build their credit score early.

[@jean-jackp7495]

The fact that landlord can't raise their rent is a nonsense, especially in your country with variables rates, who goes up with inflation.

[@ryanstevens2722]

Can you say drug dealer and street walker. Why do the lenders and landlord still do business with her/him? it's unclear

[@seuny]

2:27 Now this the kind of reaction I long to hear from Graham 😂😂😂

[@susanclaire901]

Can't the student loan companies take your federal tax refund, assuming you get one?

[@rangequeen]

I doubt she feels “morally responsible” to pay taxes 🤣

[@ApollosWisdom-kj7cm]

I love the grounded reality of this channel!!, No doubt we're already in recession, but the worst is yet to come. My greatest happiness is the $18,600 biweekly profit i get consistently

[@stevehogga]

I would really love to know how much work you put to get to this stage?

[@ApollosWisdom-kj7cm]

HAOLUOInfo

[@ApollosWisdom-kj7cm]

He engaged me in various prolific Investments by compound interest & leveraging and as well operating with an Investment

[@JessicaMilk]

Wow😊l know him and I have also been trading with him, he's such an amazing man with good skills, keeps me happy all week knowing I earn 15thousand extra income trading with him.

[@GerrardLuckycharms]

I'm from the UK please just got recommended to him How was your experience trading with him

[@JohnnyScribe]

That first one... Oh... I'm not sure I'll be able to watch this one. These kinds of people who think everyone else should subsidize their lifestyles piss me off. I'm currently unemployed and have been for a couple months. I've still paid my mortgage and my credit cards and all my bills in full and on time. I havent even had to touch my emergency fund yet I really hope this 'artist' gets nothing but 'exposure' for the rest of her life. She doesnt feel a responsibility to pay anybody else, why should anybody feel obligated to pay her?

[@msmj9102]

She has probably received the eviction notice now the moratorium in CA is over.

[@catelizabeth]

I can't stand to hear one more "yeah" out of this one🥴

[@cleanairninja9256]

I save 40% of my net earnings each month. I think that's a good rule of thumb.

[@pastdue7170]

Most advice is to save a few months worth of expenses and invest the rest. Normally 20 to 25 percent. So yeah I say you're doing great.

[@cleanairninja9256]

@cocomarineblu993 I only can do that because I live a frugal lifestyle. Very rarely do I go to a restaurant and I often hit charity shops or Walmart for items. I don't travel and my main luxury in life is taking my nephews to the movies once every month or two. I also use an antenna for over-the-air tv reception for entertainment. I don't smoke or drink or eat expensive food either.

[@martijnprinzen7124]

Graham seems to forget about income tax. You cannot save 50% of your income.

[@voidfroze]

Yup. I save about half of every paycheck and yearly it’s still only ~35% of my salary. AND I’m in a state with no income tax.

[@martijnprinzen7124]

@@voidfroze so you pay 0 taxes on your salary?

[@mceliacin]

She was definitely high 😂😂😂

[@N171985]

She is going to try to find a man to pay for her life. Then when he doesn’t she’ll call him broke and a deadbeat while she passes this mindset on to her children

[@kareemmendoza5004]

That man has to be a real fool to get with a woman like her

[@PinkDiamond7777777]

Tbf, money can come back, time can't.

[@SparkleBoom2023]

I have seen this video from Caleb. It was the first video I’ve watched of his.

[@dannymarsh546]

Love you bro thanks for this content

[@kh0kh0]

why should I save to enjoy life at 35 when I can spend a bit more now and enjoy life in twenties as well as thirties? Can you talk about what is the promised good life at 35 with savings? When do you enjoy life if you're always saving

[@salomi311]

At least she didn't empty her retirement. And I sometimes don't know how much I have in mine... I don't follow it closely cause I pretend the money doesn't exist and I just put automatic payment into it so it grows and I'm not tempted to touch it... It's a strategy 😂

[@pastdue7170]

Not knowing the one your putting money into is fine at least so long tour matching or beyond. Not knowing one that sitting around doing nothing can be bad as plan fees might eat at it and a lot of unclaimed money comes from forgetting about old 401k accounts.

[@tonia2483]

I saw that thumbnail and thought now. Doja cats not paying her rent WTF.

[@randomsonmymind6919]

Is this the first time that videos are uploaded to the iced coffee hour and the Graham Stephan channels on the same day? Thanks 😎

[@benkamminga65]

Thanks for always bringing great content Graham! We appreciate your hard work!

[@TheGrahamStephanShow]

I appreciate that!

[@dtmfool789]

Isn’t he just stealing Caleb’s content and reusing it?

[@dar1e]

when the guy said he makes 170k, did he not mean that before tax?

[@katiehanson9470]

Gosh, it gets so hard to watch you nowadays. It’s so sad to see channels who were so wonderful and relatable in the beginning nke approach videos from such a place of privilege. The whole rent freeze rant gave me the ick. Landlords make so much money everyone. Do not give them sympathy over “raised prices” haha

[@ashnichole8060]

I seen this video on Caleb channel. I remember her!!

[@A_D624]

Why is there so much debt in the US?

[@whitneywillie4471]

College doesn’t make you get credit cards but there are definitely people there preying on young folks. I signed up for my first cc for a free pizza 😂 on campus.

[@Primitivegarage915]

If she pays rent she won’t have money for drugs lol

[@ThreePinkButtons]

Graham, the credit card thing at college could be true. My aunts school had fairs where they could sign up for credit cards and my aunt and her group of friends competed to see who could be approved for the most credit cards unfortunately, for my aunt she won. Lol

[@chellybaby]

Yes that is very common

[@xxx-tentacionfp5729]

I quit smoking that stuff and started investing my savings in Canna farm ltd. Ha-ha, Im still spending money on weed, but now Im making daily profits

[@JUKE179r]

She sounds like she smokes packs of Newports and chugs Jack Daniels on the regular. 🥃 Cheers from the UK! 🇬🇧

[@stevenashwood1090]

Future Californian politician

[@flamingburitto]

An egotistical narcissist who thinks she's better than others and hence doesn't have to do anything she doesnt want to do. What could go wrong.

[@vectoon3739]

4:05 I understand what you mean buuuuut cost of living is sooooo high

[@FranMariee]

Thanks for another entertaining video, Graham. And something to learn as always.

[@crazychick]

Uhm student loans will take your tax returns AND garnish your social security trust me they did both to me!

[@mofarmmomoney3009]

The interest in Graham and Caleb's channel is truly encouraging...gives me hope that the majority do understand how bad choices do result in real financial consequences.

[@graphenebusinesslaw]

seeing money referred to as a circle here made me start to * heavy breathe * . As a business lawyer, I assure you, money is not a circle! get out there and work as hard as you can, earn as high an income as you can (playing great offence), and be as prudent w savings and investments as you can (great defence).

[@CeasarNavarrete]

Caleb has been in that grindddd lately

[@dylanbarrett599]

Whatever personality this person has, I have the opposite 😂

[@Courtney-Alice-Gargani]

She comes off as being cold and not caring.

[@Veneraaa3]

Always inspiring to watch your videos as a new RE agent and learning to grow my finances. Love your videos!!!

[@wannaBepunjabi]

I'm not sure about now, but back in the pre 2008 crash era, it was pretty normal in the beginning of the school year for banks pushing credit cards to have booths on college campuses.

[@turtleanton6539]

She got SOMETHING to barter😅😅😅 and she probably already does

[@theotherguy6155]

nah, the dudes right. you should save in your 20's but also enjoy your time. 30's are not your 20's. 30's you're more settled down and have more responsibilities.

[@BG-qs6ii]

Eating out kills my fiance and I. Fortunately we are pretty good overall and make about 450k, but still is expensive 😂

[@franklinfraser4747]

Mannnnn love your channel but I couldn't watch the whole video

[@Jack-pd4ps]

4:20 nobody wants to pay more for the same product. For some apartments, the only thing that changed was the rent.

[@lukehanson]

That guy is what we call a UAW, anyone else read that book and get the reference? 😂

[@ellynfoster4440]

During my college alumni week there were advertised credit card booths. So, I am sorry to disillusion you buddy.

[@1acie]

The first girl reminds me of everyone I know from LA

[@jchen16]

Nice guns Graham! You forgot the taxes on the $170K...

[@marvelousoui4393]

How do you save 50% if the taxes take 30%? He also said his wife is saving money. From his name and country of origin, he is Muslim which means he is paying for all the food rent household needs even his wife’s clothing. She is most likely using her money to get things she wants and saves the rest or whatever

[@TheNoobkiller3000]

Gross yearly: $168k After tax: $150k Retirement savings: $60k Monthly net: +$4.8k I spend anywhere from $1-2k/mo on travel. That dude needs to revisit his priorities.

[@TheNoobkiller3000]

The $4.8k, again, is net. It considers that $1-2k travel expense monthly.

[@pastdue7170]

I make 40k gross and I still put back close to 1.5k tho hard to max a 401k I just got hsa I'm trying to cap also. It does help that I'm a bit of a hermit.

[@ronnie5151]

How do you get $150k after taxes from $168k gross? Check your math. Taxes will be at least double that. 🤨

[@lyl3645]

The first one is too lazy, dumb, and unsalvageable. The second one makes good income, but is too indulgent and wasteful with no financial plans.