Taking Out Two Payday Loans A Month To Survive | Financial Audit

[@CalebHammer]

Bad debt makes me salty, but it’s because I care 😊 share this video with someone who may like it, you have no idea how much that helps this channel!

[@investidorintrepido6798]

Maybe add a link to the original in the description?

[@CalebHammer]

@@investidorintrepido6798 added :)

[@proudfeint2218]

I a car guy and i know that my car taking up 40% of my income isnt the best (im 18), BUT I HAD THE SAME REACTION AS CALEB. She got scammed fr

[@Fedex211]

You did the best you could. I've counseled others and they really need to want it for themselves...I've even tried writing out what they need to do step by step but it won't motivate them...tons of financial information on the internet for free! yet people still manage to spend hours on FB and IG, then blame everyone else years later when they made no progress and stay poor!

[@kathleenhillier6765]

It's not anger, it's excitement. That passion is just coming out.

[@theAncientGardens]

I’m genuinely concerned for her. When she thought she could sell the car and still own it I almost stopped watching

[@GrantValdes]

Concepts she does not understand: Ownership Debt Interest Yikes

[@Julia-b9x]

Yes, and when she thought she was bringing in more money but never did the math to take into account she works less hours - so it’s not more money. And when she calls getting a certificate “graduating”. This poor girl needs so much daily help in managing money.

[@user5214]

@@Julia-b9x she is truly clueless and I think the worst thing is she's scared to ask basic questions. Quite simply, shes asking people around her for help in every small step and hoping something good will happen with decisions others are making for her.

[@YahsLoveisEnough]

I've noticed that a lot of his guests are in the age or mindset that there are no consequences to debt. The instant gratification that debt gives is all they see. The I want it now mindset is destroying people's finances.

[@Julia-b9x]

@@user5214 - whatever she had for education in this country didn’t do her any favors. The best thing she could do at this point would be to sign up for a basic personal finance class and a lot of therapy to get out of the victim mindset.

[@shader202]

It sucks because she’s SO financially illiterate that it’s hard for her to understand what you’re really telling her.

[@Jame6999]

Believe it or not. I think these women need a male guidance in their life. Weather it's her dad or husband. She's a train wreck

[@Iwasjustwondering89]

@@Jame6999 What an unhinged take. Clearly, guidance by any adult in her life would have benefitted her greatly. This girl has probably been figuring out life on her own since forever. This is certainly not about needing specifically male guidance. Check your chauvinism, ffs.

[@Jame6999]

@@Iwasjustwondering89 right I'm the chauvinist. HER OWN FATHER WARNED HER! SHE AND HER MOTHER DID WHAT THEY FELT WAS RIGHT.

[@droid2D2C3P0]

​@@Jame6999ew what a disgusting comment. Do you seriously believe that only men are financially literate and women are helpless without them? Grow the fuck up

[@daddyshoneygirlusa7030]

THIS, right here is an indictment of our "education" system! WHY is our "education" system NOT focusing on useful information????

[@rollerboogie]

They sold her a 2014 Kia for 26k with a 26% rate??? Insane. I’ve only seen people get ripped off that hard a few times. Kind of worried for this girl long term

[@poiuttyrfghj8474]

I’m shocked that’s even legal lol. I bought my 2022 Versa new for $25k at 2% interest 😅

[@gregorysheridan2015]

@@poiuttyrfghj8474 and you still overpaid for a dog sh*t car 😂

[@darrenarchibald5238]

​@@poiuttyrfghj8474 in Canada the versa is only 22k but an 8% interest rate

[@Ashley-ku7is]

That's more than it costed new in 2014.

[@TonyCox1351]

@@dalialjene9100 yes on a 3 year loan but if it’s 5 years she’s paying 40K lol

[@Queen-of-the-Burbs]

She processes information slowly. That coupled with no financial literacy leaves her in a tough spot. I feel sad for her.

[@M_SC]

Everything is a giant lifestyle change as well.

[@ingridgallagher1029]

I can emphasize with her. I truly can. Her mannerisms are indicative of years of emotional and/or verbal abuse; codependent relationships etc. She could also be on the autism spectrum. ......or she could just be really stoned rn😂

[@EmilyWhite2013z]

I don’t think we can entirely judge her for what we see on camera. I personally can get very anxious in some situations (where I feel I’m being judged) and can react slower than when I’m in a normal environment.

[@Jame6999]

​@@EmilyWhite2013zshe's a c student. Life will be hard for hher

[@EmilyWhite2013z]

@@Jame6999 that’s probably true too. I’m just saying that she might behave differently in front of the camera. It’s a tense situation, as is a lot of school testing, and some people react terribly with that stress. I personally can handle testing stress, but if you put me in front of a camera like this I’d probably stutter like crazy.

[@desmondmaisel]

I don’t think Caleb understands how financially illiterate she is.. to help her you might need to explain what are incredibly simple things to you a lot more in depth. Sad truth that most of our country is like this

[@sashalatour741]

I absolutely agree! When he mentioned interest rates she understands that 25% is higher than 5%, but doesn’t seem to understand what that actually means when it comes to what she’s paying them

[@nosirrahm]

She would seriously frustrate me because there not anything she grasps the concept on. She’s constantly eating out.

[@nuclearlo0ve]

She seems a lil…. Bit slow.

[@raz7573]

I’m beyond frustrated with her. She’s not willing to give up *anything*. I feel bad her mom is charging her rent just to sleep on the couch.

[@alwaysemilia]

@@raz7573 i agree, tough situation. I mean if her mom is really strapped for cash, I could see her asking for a contribution to the utilities, which would be higher with another person in the house. $300 per paycheck seems pretty high for a spot on the couch.

[@littlepeach8921]

Yay a return guest! Just a suggestion Caleb, for returning people, a little sizzle reel of their previous episode would be helpful. Just to remind us 👌

[@azhaircountess9798]

Great idea!

[@kirstenvandenbiesen1222]

I agree!!!

[@nosirrahm]

He needs to remind himself. 😂

[@Thatonegirl989]

@@nosirrahm I know right. He’s like we set out and plan and you agreed to it. No she did not lol she was actually against everything the entire episode

[@myew.2856]

That is a great idea, but I remember her because it was the first video I watched on Caleb’s channel and I remembered how dire her case was/is. She is financially illiterate.

[@lisaboston9162]

OMG how did this girl graduate from high school?! We are doing a terrible job educating young people. She's defenseless.

[@harlamguy]

Because many schools don't teach anything resembling financial literacy. Many of us in my graduating class in high school wound up with some level of excess debt because we never got a chance to learn the intricacies and consequences of credit card debt, car debt and student loans. I definitely learned the hard way but worked myself out of a lot of it to get where I am today (and to educate myself about the things that the education system failed to teach me and so many of my peers). Still have a ways to go but I can afford rent, go on vacation at least once a year and eat out a couple times a week without feeling stretched financially.

[@WilC379]

​@@harlamguyThis girl doesn't know basic math, forget about financial literacy. Maybe she's just nervous, but she didn't even know that paying $300 every other week is not the same as $300 per month.

[@gregorypeterson9]

🤣🤣😂😂scary but true.

[@twocathome399]

who knows what her academic stance was when she graduated tho? she could’ve barely made it through

[@ammercedes3591]

Technically the school system isn't failing if it doesn't try in the first place! Most American high schoolers don't get any sort of financial literacy education whatsoever.

[@eriniflame]

This breaks my heart. I feel like there’s some intellectual disability here, let alone financial illiteracy and a toxic relationship with her mom. I hope she truly internalizes Caleb’s advice. 🙏🏽

[@M_SC]

Definitely think the mom is key. She (the young woman) doesn’t think critically about anything and is easily persuaded. That may be because her mother tells her what to do all the time

[@monicaloveslindy]

​@@M_SCher mother is probably the very same as she is.

[@Wavetheory85]

@@M_SC it really would be interesting to have her mother on the podcast

[@hanspz5505]

@@Wavetheory85that would be a train wreck hahaha. But interesting

[@JimiSparx-yw3gb]

@@M_SC - What's so bad about being told to stay in school and pay off your bills since you only pay $300 in rent? Seems like she's on EASY STREET!

[@J1VETURKY]

Caleb seems to be the only supportive person in her life right now. It's hard to find a supportive system if there's none to begin with.

[@CalebHammer]

I feel you might be right

[@potato1084]

She needs to stop letting people take advantage of her or she’ll end up like my grandma. 😭😭

[@GrantValdes]

@@potato1084 Potato bringing his grandma into it

[@mrs.quills7061]

It’s also hard I think for her to understand what he’s saying when this is what was modeled to her the right way to live. I was 23 once, I made stupid financial decisions because my family was completely financially illiterate and I didn’t have the support I needed. I learned myself the hard way though and lived paycheck to paycheck until I graduated school. It boils my blood that these things can’t be taught in school, thank god for the internet and KZbin.

[@aaroncampos3798]

@@GrantValdes hey leave Mrs. Potato Head out of this!

[@oherroprease207]

I didn’t even know 23% was legal! I hope it really sinks in for her that she’s paying $26k for a 9k car

[@desertguy1362]

She will forever be in debt

[@kylecouture1917]

My stomach sinks and im not even in the situation. Seriously. I can only imagine what's goung through her head as she heard him say those numbers.

[@dericanslum1696]

...legal...there are payday loans in the hundreds of percent...Caleb has an episode with someone paying over 500% on payday loans...

[@jenniferdemarco2653]

I thought 25% is the max for a car loan but who knows!!!

[@antonioorellana504]

she had the chance to return the car. It's hard to feel bad when she does not follow the advice and digs herself into the mud deeper. One can lead a horse to water but one can't make it drink.

[@davidgerke7150]

"You do NOT need to have fun!" This is such an important message that more people need to hear. And it's not forever! Just temporarily until you get yourself sorted out. Delay some gratification. Great job not sugarcoating it!

[@GrantValdes]

It's not REAL fun if disaster is looming.

[@a.h.2667]

She has to redefine what fun is.

[@dericanslum1696]

...we start them on sugar and caffeine as early as infants... ...delayed gratification isn't really something modern children have any concept of...

[@dericanslum1696]

...we start them on sugar and caffeine as

[@candy2325]

I agree. When I budget, there are some paychecks I don’t fund dining out and spending because I have other priorities. It’s not forever but it’s necessary when I have more important things to take care of

[@alicialockhart9422]

Dang. If the rent is $1700, and she is paying $600, without a bedroom, that means her mom and the roommate are paying $550 each, and they both probably have a bedroom.

[@active4delta]

Facts.

[@b_hartling]

More likely the roommate is paying $850 ad mom is only paying $250 tbh

[@juliet4521]

This girl is seriously lost, not just financially. I hope she can find some healing because the finances won’t change otherwise

[@thekalamazookid4481]

Yeah at that age and still sometimes I had to have things explained to me a couple times to understand.

[@andrew8168]

She seems nice. She should be some nerds wife who loves her children. He can do the money.

[@bromar6372]

@@andrew8168 I bet that’s all she dreams of. Poor girl.

[@sillymesilly]

@@bromar6372 she bought the hook line sinker of a independent woman. Who has degreee and a jobbbb.

[@Crystalthewolf1000]

@@sillymesilly I have a job and am independent but I am not this bad off, and I was on medical bed rest for an injury. And ate through my pathetic savings and did have to use my credit card to supplement but I’m still better off than her

[@lucylara3566]

Caleb, your spirit is of a stern father who wants his children to do better! Love it!!

[@ithzelhernandez658]

Apart for her not being financially literate, she is constantly being taken advantage by those around her. Her mom, her previous ex, friends and even the car sales man!

[@deirdrekiely6187]

Caleb has worked with her *multiple* times and texts her and warns her and she just blows it all off. Losing sympathy.

[@coltonkay9000]

She is the constant factor

[@hanspz5505]

@@coltonkay9000that’s such a surface level and narrow minded statement lol

[@coltonkay9000]

@darkfarfetch3664 She just did another episode, and she was homeless

[@coltonkay9000]

@hanspz5505 She just did another episode and once again presented herself to be a

[@blueblazestar]

Does anyone else notice how much financial trouble her mom has gotten her into? - Her mom convinced her to get the car that is screwing her - She is pressuring her to eat out constantly - She’s charging her half of her rent to couch surf We’re obviously not getting the whole picture, but her mom sounds very controlling

[@WhatIsThis-zq4hk]

It is mind-boggling to me how many people work hard then go home and light their money on fire.

[@user5214]

Couldn't have said it better myself

[@zalty8556]

Some people are broke and some have a poor mindset built in

[@d_all_in]

And then blame capitalism and vote for higher taxes

[@juangasca8685]

Me fr

[@kevinwalsh3059]

Gotta stay warm somehow.

[@michaelnishiguchi3176]

23% interest on the car made my jaw drop. That's like a high apr reward credit card.

[@MrWhiskey1]

I seriously wonder if she could get a credit card with a lower rate lmao.

[@_youurstrully_]

She needs to get rid of the car like now 23% is outrageous

[@jazzyj6640]

My ex has a car at 14.13%, I tried to talk him into refinancing it. 💀 I was trying to be helpful!

[@xthebluenitex]

Mine too!!!

[@BLACKAAROW]

I legit did not think interest rates could go that high on a car loan lmao 💀

[@Baby1Bone]

If her mom is charging $600 a month and she doesn't even have her own room then that let's me know her mom is either taking advantage or living in poverty herself because she can't afford to live her lifestyle so she uses her daughter as a personal checking account.

[@amaniiexxchnge]

Yeah my mom did the same charged me 650 for a room more than the going rate outside the home for a room. And most likely her bills are already paid just like mine. she’s just getting her daughter to hand her money instead of trying to set her up it sucks so much

[@disco4535]

By paying half what she would pay for an apartment in her area? Her Mom should kick her out to show her how lucky she actually is. Her problem is the insanely wasteful spending on useless trash.

[@guinea_horn]

I bet the mom is just as fucked financially *and* using her daughter for cash. I'm not surprised that she has such bad financial literacy, probably picked up her lifestyle from her mom

[@raulo19999]

@Disco her mother is just taking advantage in addition to enabling. From the first video, she took her daughter to a snake oil salesman where she agreed to ridiculous weekly payments and financed the downpayment.

[@debbieharris1628]

I also noticed in the video that there's another roommate with her and her mom, and I'm guessing the agreement between Mom and the roommate was they each pay half. If the rent is $1200 per month and this daughter is paying $600+ then she's paying for their share, too. This whole thing is screwed up. I don't know mom's situation but it's looking more and more like she's trying to keep her daughter from getting ahead of herself financially 💔

[@TeddyD4]

Her mom is 1000% financially abusing her. Making her pay $600 for a couch, ruining her credit on purpose with the car loan, and having her pay to eat out constantly. That mom wants her to stay home forever. She is manipulating Tyler and knows exactly what she’s doing.

[@Chris_t0]

I would literally pay good money to see part 3 of this.... Holy crap... Its somebodies life, in action, real, authentic, very rare to see this at least for me

[@Somebodyswatchingme-t9f]

Somebody's*

[@Iamjustherek]

It seems like her mother wants to keep her financially illiterate so she stays around. Caleb absolutely picked up on their toxic dynamic, the fact that the mother took her to get that car at all raised an alarm for me. I wonder where the father is in this situation? Could she possibly live with him? But regardless she needs a basic financial class to teach her even the fundamentals because she fully didn’t understand what she had to do with that car.

[@AJ-es5yd]

The mom is illiterate financially too.

[@wallywest3056]

She said her dad thought it was a bad idea. Should have listened.

[@allelitememesaem3916]

That's a pretty malicious reading of that. It could just be that the mom is also financially illiterate

[@apjapki]

I wonder if the parents use the car or don't want her to use their car any more so it was kind of self serving.

[@kimmypossible6717]

Agreed, mum is ripping her off. Paying $600 to crash in the living room, having the daughter take her out dining. Unbelievable. I’d never do that to my child.

[@JoeCastro]

A lot of parents teach their kids to “work hard” but not how to thrive. I’m glad there are channels like this. I hope she can get on the right path

[@Peglegkickboxer]

Work smarter not harder. People work very hard and die very young all for nothing.

[@katelynbrown98]

I would go even further to say that parents don't care if you work smarter. My mom only cares about if you're saving and making good money. She doesn't understand the realities of life. She thinks as long as you work hard then you'll receive loads of money.

[@hagelslag9312]

@@katelynbrown98 It depends if they understand the 'smarter' part. There's so many layers to it. The basics of 'work hard' make sense, to an extend. Then there's the more responsible people that understand to save up. Next layer would be emergency savings, and the next is investments. This is all sort of digestible for a large group of people but not all. The layers above it usually have to do with taxes, applying for funds or help, and finding good deals. That layer is the most difficult for most people too understand. If you've never have to worry about money, a large portion of those layers are not important to learn or look into. However those who are actually rich are usually those who pinch every penny to their advantage and understand all of those rules, and know when they are getting a bad deal. Heck, so many people don't even negotiate but you'd be surprised how often you can negotiate a service, even in stores.

[@flor9345]

​@@katelynbrown98Ikr? Like my family gave me so much crap for quitting my job that I had for 2+ years so I could work somewhere that paid me more. They kept saying "But you're so close to a raise! All that hard work into the company for nothing?" I heard from my coworkers that nobody got a raise that whole year.

[@toratora9994]

I really feel bad for this kid. Already divorced, totally screwed on a car (thanks to mom), and is probably getting a certificate from a diploma mill that no one will recognize. I’m pulling for her.

[@coltonkay9000]

Common factor is her

[@Melissa_writer]

@@coltonkay9000she’s soooo young though. She has no guidance so she’s literally just out here guessing.

[@coltonkay9000]

@wynnefuller maybe this excuse would fly years ago, but the internet exists now. She is willingly putting herself in these situations. All the information she needs is easily available to her

[@montgomeryfriesen6245]

She has guidance tho … twice now from Caleb. I agree the common factor is her. She no listen to the money man accross the table

[@Grace10107]

Rda's do get recognized tho... gets around $3 more an hour compared to regular da's

[@chaunceywilliams4584]

Caleb "I don't like your,Mom.". .. I felt that! She went from one toxic relationship to another. The fact that she came back to get more help shows that she wants to change.... But she has to get out of the toxic codependent relationships.

[@jenniferdemarco2653]

Literally, he was treading lightly at first but when he caught onto the 300/ every check he was hell no! The other thing is i hope shes smart enough to realize there are 2 months in the year she receives an extra check!!!! Meaning her 600 is already paid for the month, so no one can take advantage of her anymore than she already is!!

[@kindredkey]

She also mentioned having toxic friend relationships as well. Understanding her relationship with her mother puts the deadbeat husband and bad friends in perspective. She's just doing what she knows. It's good that she's looking for help. I hope she keeps pushing herself and claws her way out of all this toxicity. Once she does that the finances will follow.

[@InTheNameOfLife1]

@@kindredkey absolutely. She has so much potential and I just feel like she’s never been told that so she stays naive and regressed and stuck falling prey to advantage-takers.

[@sunshine6271]

I think everyone is jumping on mom without knowing all the details. Has anyone considered that maybe mom has bailed this girl out numerous times in the past and is fed up with financially supporting her daughter who is not acting responsible? Adult children who live at home for free have far more disposable income than they will ever have again and more often than not, live a higher lifestyle than they will ever be able to afford once they are on their own. Once rent/mortgage and utilities start taking a decent chunk of their income they turn to credit cards and end up in massive debt to fund the lifestyle they got used to.

[@vulpixelful]

@@sunshine6271 That's a wild take. She's working a job with future earning potential, she isn't irresponsible, she's trying. She's just ignorant because she wasn't taught basic things by her family, and now she's being taken advantage of by the same parent who kept her ignorant. No amount of being "fed up" would lead to a parent taking about a _third_ from every check that she said herself that she doesn't understand why since she just "paid rent".

[@potato1084]

This poor girl is being taken advantage of from all sides because she stays so passive. It makes me really sad and she needs to start standing up for herself or she’ll end up like my grandma and regret it.

[@mrs.quills7061]

I think she’s experienced trauma in her life, as someone with diagnosed ptsd and anxiety, her stiff body language, large eyes and off topic responses ring true to me. She’s afraid to advocate for herself because she was taught to be unsure and not worthy of it. I was just like that at her age it wasn’t until the past few years (I’m 29 now) I feel I’ve found my power and voice. I still struggle, but when your body has imprints from the past it’s easier said than done to stand up for oneself. It’s unfortunately easier to let something bad happen and “forget about it” than to fight forever.

[@courtneya2207]

I think she’s less passive and more unintelligent - she doesn’t understand enough to make her own decisions

[@AD-wm9if]

@@courtneya2207 Frankly this is the answer. The trauma thing is BS that people who watch to much psych TikTok perpetuate because they're absolute WIMPS who want to apologize for their own weakness. Historically she would have had multiple dead children by now, had to spend every waking second farming food, likely caught a scarring disease, lost several teeth, and live on a mattress made of straw. Instead she gets manicures that she finances through an app. This is just nonsensical.

[@drumyogi9281]

@@mrs.quills7061 lol..No. She is just lazy. That is why she doesn't know anything about personal finance. She is lazy and has no accountability.

[@mrs.quills7061]

@@courtneya2207 I wouldn’t say unintelligent, just ignorant. There’s power in education and she probably came from a place where it wasn’t acceptable to have that. Hopefully she can break the cycle.

[@LIDABEAR]

Omg, she stresses me out but only because she seems so lost in what is going on. I am not sure who she has around to support her but it seems like she is just making moves without reflecting. 🥴 I want to see her come back showing us that she is truly winning because she deserves it ❤

[@Nicole-em9yo]

She CHOOSES to be blissfully ignorant

[@nineteenfortyeight]

How does she deserve anything?

[@hanspz5505]

@@nineteenfortyeighthow does she not? She seems like a lovely person, who made bad choices. what is wrong with you

[@teamrocfan]

I’m ashamed to admit I was judging this young lady HARD. But when the relationship with her mother was discussed. It all started to make sense. My heart breaks for this girl.

[@elcapitanmorgan556]

I disagree - maybe her mom is demanding she pay $600 in rent because she is watching her daughter BLOW $500-1000/month on eating eat, partying, ubering after drinking, and wasting money instead of saving ANYTHING So maybe her mom knows if she said “don’t pay rent” all that would do is give the child another $600 to just blow even more !

[@saritamartinez6437]

I disagree. She is having someone saying to her face clear as day STOP SPENDING!. She just does not want to make any sacrifice. You can tell how spoiled she is.

[@ladya3302]

@@saritamartinez6437I don’t get spoiled from her at all. She seems to really not know, she doesn’t understand.

[@Pain_Ito]

@@saritamartinez6437eh, spoiled and poor are kind of opposite concepts

[@Dynoids]

​@@ladya3302for sure, I hope she stays close to Caleb and listens to him more and starts asking questions to educate herself. Hopefully after many months of asking questions and educating herself she may be able to actually save money.

[@luvpeacehopehappy]

Please bring her back 6 months or so from now!! I'm really rooting for her and I hope she makes the changes in the right direction

[@deirdrekiely6187]

You're kidding, right?? Nothing will change.

[@allyjackson4233]

@@deirdrekiely6187 you're literally correct

[@herdenq]

​@@allyjackson4233:(

[@neethi3jois]

She learnt nothing from last time, but we did leave the video feeling like she wouldn’t take the advice, so this was expected. That being said, glad to see that she is open to getting more advice and learning. Let’s see if she takes the advice this time! So happy for this follow-up. Edit: Grammar.

[@Thatonegirl989]

Yeah I’m honestly surprised Caleb is surprised lol he really did forget about the last time they were together.

[@kindredkey]

She divorced her deadbeat husband! Shocking that only took 5 months a lot of divorces are longer... I think she's trying... I hope he does another follow up in 6 -12 months

[@TopNotchTii]

“You cannot afford to have fun” I REALLY needed to hear this.

[@sageghent3910]

When you yelled YOU RIDE THE BUS! I died 💀 I hope she can improve her financial situation!

[@lindzriddb]

I was screaming myself…like oh my god girl….

[@vidowatcher91]

I actually thought he said bust too😂 Though, I did catch on sooner

[@Jo-qb1xe]

Educate young people on their finances, one at a time. Great job Caleb!

[@CalebHammer]

Thanks!

[@michaelnishiguchi3176]

The nice thing about these videos is that the education is going out to thousands with each one.

[@Jo-qb1xe]

@@michaelnishiguchi3176 Very true!

[@Jo-qb1xe]

@@CalebHammer Love this follow up video. More please!

[@KurenaiKimitsu]

Her mother is currently the major problem in her life (other than her own poor impulse control and financial education). Her dad said don't get the loan for the car but her mom said just do it. Her mom put her in this situation. Now the mom is charging her $600 for living there and she doesn't even get a room. Not to mention saying she is "saving so much money" but in reality she isn't. The mom is goading/encouraging her to go out and she pays for the outing, likely for the both of them, so she's spending even more. The mom gets money from her to pay the apt/house rent as well as saving money on food since the mom likely guilts her to pay for food outside. The mom is bad mouthing her to her relatives and now she has a poor reputation in her extended family's mind. Would her extended family help her out if she asks... probably not due to her mom's lies. wow. If she doesn't wake up she's going to be trapped in this cycle and in debt forever. her mom's SO manipulative.

[@KurenaiKimitsu]

@@rsimmons1980 I dont believe that is true. Remember she said there was another renter who is also paying rent money. She doesn't have her own room, assuming the other renter is taking whatever spare room there is. and mom's rent is $1200. So if the daughter is paying half the rent, and likely the other renter is paying half the rent ($600). then mom only pays bills and possibly some food. Mom entice the daughter to go out to eat which she ends up forking money over. Toxic mother in the end.

[@hubabaloop]

Reaching

[@hubabaloop]

@@rsimmons1980 girl is squatting at her moms & not paying utilities or groceries or household items. It comes from the $600. Her mom probably has to take it bc she’s not responsible enough to manage it.

[@youtubename7819]

@@hubabaloop if you can’t see that her mom is taking advantage of her then you are as financially illiterate as that poor girl is herself.

[@siani8223]

Lowkey this was my mother but I got my act together got two extra jobs w/o telling her and I’m currently picking out my new apartment in a completely different state away from everyone it was painfully hard but you gotta take a chance on yourself especially coming from a family that doesn’t know how to handle finances ❤

[@jhopkins213]

I'm struck by the fact that she doesn't understand that she financed the $1400 "downpayment" on the car. She really had no idea what she was doing when it came to the car purchase. The sales person got her hook, line and sinker.

[@nothingtoseehere96]

I didn't even know you could finance a down payment 😅

[@TonyCox1351]

When he asked her about interest rates she had a completely blank stare.

[@brianwaller7383]

Next these dealers will finance a $50 oil change lol

[@pyronic120120]

@@nothingtoseehere96 I think this has come up about 3 times now in his channel. I didn't know this was a possibiolity either. Sriously though, downpayment loans are predatory. If you can't afford a downpayment, chances are you can't afford the car payment. Tip for ANYONE planning to get AND FINACNE a car should do this: Try to put into savings for a year the same ammount that you wish your target monthly car payment, AND get an estimate on insurance of how much it will cost so you can set that aside as well on a monthly basis into savings before you get that car. For a year practice putting away the car payment and insurance payment on a monthly basis to see if you can actually afford the car. If you can't do that for a year what makes you think you'll be able to pay for the car and insurance once you buy it. Notice I didn't even include gas or maintenance fees or DMV fees in there. If you can do this for a year, you should have a nice down payment for said car and not have to finance the downpayment as well as the payment you will need for one year's worth of insurance. And if you're paying for public transportation don't try to redo this formula by subtracting the transport fees from the savings allowance as this should help you practice budgeting for gas as well. If anything practice putting in an extra 40 at least a week into that savings plan to practice how much you WILL be spending on gas per week. Do this for anything you plan to finance, including your dream house. If planning to save up for a house, you can take your rent, and subtract that from your total monthly mortgage target and that value, put that into a separate savings to practice saving for said house. when you go into buy your house and car, don't let the dealer and broker sell you more than you can afford. Talk to a loan officer first and get a pre approval first for your loan that will get your monthly payment to where you want it, and how much house or car that can buy you, and negotiate prices of cars and homes based off that pre aproved value.

[@TheJalesa1207]

​@nothingtoseehere I didn't either!!!

[@stephanieweeks3489]

1. The fact that she came back shows a lot of courage. I understand she didn’t change much, but I think of it like therapy in the sense that you may need check ins to really push you into doing action, she wasn’t bullied into coming back, she’s getting ripped into in an attempt to steer her back on track 2. This girl is being taken advantage of from everyone BUT Caleb, her parents, the car dealership, her ex husband. 3. She really isn’t malicious, she’s just very passive and honestly doesn’t understand but I am rooting for her so hard, I want to see her succeed

[@mikesanders8621]

Is she courageous for showing up a third time even worse off?

[@JasmineNoAladdin]

She was the FIRST person I ever watched you interview and started my binge watching of your content a few months back. You can’t imagine my disappointment to see she’s the EXACT same. So nonchalant about this all. I hope she switches up soon, she’s kinda got the mindset of a kid and I think it’s from the marriage and possible childhood crap with her mom or parents (I get that mom/daughter relationship dynamic, I know it toooo well) I am legit hoping for this to get better, at least some time before she hits 30 🥺🥺🥺🥺🥺

[@mrs.quills7061]

@@guineapigtalks I got the same feeling, someone that controlled everything and robbed her of any semblance of independence or made her feel shameful for trying to learn. The way she speaks and her body language when he asked questions is concerning and I feel so bad for her.

[@pancake1493]

So when will society collapse

[@bedellm76]

This is insane that as an adult she has literally no idea how she is financially navigating through life. I am shocked she even could produce a bank statement.

[@bobstephens5599]

@@adammiller9029 It's literally neuron activation "ooh money go up = good!" level dumb

[@LEMATTOFFICIAL]

Bruh she 23 lol these days thats still a kid in so many cases

[@nicholas6252]

@@LEMATTOFFICIAL”a kid” lmao what. People need to grow up.

[@alanmccarthy4004]

For an awfully long time this girl has fully deserved and desperately needed guidance from people who sincerely want the best for her.

[@OldsmobileCutlass1969Va]

She was getting sound advice from her Dad... The point is that she didn't listen to any of it! He said to take the car back! She didn't take him car shopping because she realizes that he would push for a $3000 car and not this $9k car that she's paying $26k for!

[@flor9345]

​@@OldsmobileCutlass1969VaYou gotta sit down with ppl and explain the "why". The mom was trying to get her to waste her money, the dad needed to set his foot down and EXPLAIN it to her, cause when Caleb explained it she sounded so surprised.

[@natebuiltit5158]

That’s gonna be an awkward car sale when someone hands her $9000 and they think they’re getting a car and she thinks she’s keeping it 🤣

[@YIWOTY]

Sadly, she’s clearly incapable of executing the transactions Caleb is suggesting. There is zero chance she could figure out how to get the car title from that predatory car lot sleazebag. They’d lie to her and talk in circles and make sure she left more confused than ever.

[@turtleanton6539]

​@@YIWOTYhe needs to help her with stuff like that dhe is so sweet but Los t

[@TromboneLoki]

I can feel the love in the anger of Caleb in this entire video. I hope she takes some of this to heart but I'm sadly doubtful

[@davisholman8149]

What would help - imho - is when Caleb is telling her she can’t have fun at all - he adds, “But this NOT forever”. If she can understand the not having fun part is only temporary, maybe she would actually do it.

[@deirdrekiely6187]

@@davisholman8149 He DID say that. He said in 2 years there could be lots of fun if she knocks out her debt and saves and gets a cheaper car. He literally SAID it to her.

[@juansalgado6212]

She’s such a sweet young lady. Too bad she’s getting chewed up by everyone around her. From her mother, to her job, to the dealership. Man. I’m sorry for her.

[@21truthbetold]

Exactly. She's a sweetheart who is getting screwed by others. But... she also didn't listen (out of fear).

[@theoneandonlybosable]

@@21truthbetold While I agree, she’s an adult. No one else is going to fix things for her.

[@blackdandelion5549]

I'm a bit confused as she seems to believe that all of these other people like the businesses are "nice" and trustworthy and she used other words, but when Caleb suggested she check for jobs in the area for the best pay and benefits where she could get FT or maybe even OT she looked like he was asking her to stab someone in the back. Her company is not paying for her education and they wont give her enough hours to have benefits or be FT. The car dealership is out to make money and is not there to be nice to her. Her sweetness seems more like immaturity that is inappropriate for her age.

[@Jame6999]

​​@@21truthbetoldo she's not. She's is hard headed. Dude gave her a plan she ignored it. Her dad to her no on the car she ignored his caution

[@juanvaldez7279]

​@Red5 A good friend told me a story his dad told him from medical school in Current Pakistan then India the couple couldn't get pregnant so they called the doctor to come check fertility ect.And Everything was fine. Long story short the young rural couple weren't having sex they didn't know it was required to make baby's. You don't know what you don't know

[@Missy2858]

I feel so bad for her. Such a product of her environment that failed to properly educate her on financial literacy and no offense life in general. 😢

[@lane1776]

However- at this point- you still don't get it, you deserve what's coming. Seriously. Pay your bills 🙄

[@dcg590]

Really? As if the information is r readily available on the internet. That’s the problem with people. Never taking responsibility for their choices. She could at 22 educate herself. She’s a grown adult

[@ChrysanthsMum]

I agree with you. She needs to get away from her family, get a full-time job, get into therapy to learn about manipulation.

[@jordanlusk-hunt7917]

I used to bus 1.5 hours to work and 1.5 home from work for a year at 19 years old while in college (worked 40 hours a week and did school). It sucks but man does it make the difference! Short term pain for long term success. She's got this!! I hope she buckles down and gets it

[@OldsmobileCutlass1969Va]

I worked 2 full time jobs... One to pay for bills and the other one to pay off debt (student loans), the rest was going to savings and $50 every paycheck was fun money.

[@jordanab.9352]

I just turned 20 and I'm doing that too. For me, it's an 8 hour shift then 4 hours of transportation a day, to and from work. It sucks. I have: - my daytime job - I teach English - I have a dessert business ( veryyy small business) - and I also comb my family members hair on the side A lot of random things that add up to minimum wage. But these are the only jobs I can find rn, so I'm using it to build a 3 month emergency fund by Jan 1. Then I'll quit and find something better. Next year I want to go to university and start investing. But for now, I have to take what Ive got and make the most of it. I feel really bad for her tho😞😓

[@jordanlusk-hunt7917]

@jordanab.9352 That's amazing!!! Just have to do what you can and know that it's getting you ahead. Do your best to save up and cash flow college. Student loans aren't worth it. My husband and I just finished paying off 70,000 in debt in 19 months. We had car loans, Student loans, a little bit in credit cards (2,000). Currently working on our emergency fund. We are 24 and 29. We've always been hard workers and did a lot of cash flowing but looked up and realized wow that's a lot of debt. So we cleaned it up and are so relieved. On to the emergency fund and investing by the end of 2024 :)

[@jordanab.9352]

@@OldsmobileCutlass1969Va ohh you have fun money too. I put aside $300TT which is equivalent to $42.80USD it helps me stay motivated 🥳🥳

[@papabear2515]

@@jordanab.9352good for you! Keep sacrificing and you can do it! It will be 1000000% worth it!

[@parik2878]

This girl is clueless. I honestly wonder how she will get through life considering she thought she can just return a car after 5 months. She genuinely seemed to think she can just give it back whenever she wants to. How was she confused that she had to pay the difference of the loan versus the sales price of the car?

[@courtneya2207]

I think she’s of lower intelligence unfortunately, she’s very vulnerable

[@Gstunfisk]

we live in a good time when people like her can live.

[@phunkyphresh3799]

I mean the fact is she’s just not gonna pay it. And the car company can take her to court or go through collections but at the end of the day all they could do is garnish wages.

[@HailAzathoth]

Very very low IQ. Probably

[@Robert-lm5te]

@@Gstunfisk this one made me laugh

[@colinsimmons]

Caleb, I think it'd be an amazing series to introduce her step-by-step to the basics of healthy personal finance: don't spend more than you make, basics of how credit and loans work, saving for what you want (i.e. delayed gratification), emergency funds, etc. I'm super invested in seeing her improve her situation. It'd be amazing to have a more hands-on approach and see her get her head around healthy financial habits! It also might prevent some other young people from ruining their lives in the name of relationships or "fun".

[@rishavbadola7357]

The only way to improve her financial situation is to tie her to a lamppost to prevent her from shooting herself in the foot

[@Link_Says]

That would take years. She clearly has problems grasping basic concepts.

[@MrRagnarxx]

This is something most people understand after they learn multiplication and percents in middle school. She is INCREDIBLY slow.

[@Komaruluten]

​@@Link_Says I understand that your comment is intended to be insulting, but I believe we should show more empathy towards individuals with lower intelligence. After all, what can they do to change their IQ? It doesn't seem that IQ can be increased through education, chess, exercise, or many forms of brain training. I think it would be very productive for Caleb to teach her the basics. Besides fluid intelligence, some other reasons for her hampered understanding could be mental health disorders such as ADHD or dependent personality disorder, a worldview shaped by her environment, such as her mother's influence, or a lack of foundational knowledge, such as struggling with basic arithmetic, which could make understanding financial concepts more difficult for her. All in all, it would be more productive to avoid insulting her and instead teach her about finances, as suggested in the original comment.

[@DGregster]

Caleb one thing I've noticed in your videos is you often tell people they "can't have fun" or "can't afford to have fun". I think that scares people into a point of feeling overwhelmed and they shutdown and instead of feeling empowered to find success, they feel hopeless and comfort that feeling by spending even more money. I recommend reminding them there are other ways to have fun for free (i.e. board games with family and friends, watching movies, playing video games, reading) I find it easier to save money by just choosing to spend more time at home. I haven't spent a single dollar in the last week!

[@hmiller7948]

I totally agree. Every time Celeb says that in one of his videos I cringe because I feel like he is setting them up for failure unintentionally.

[@IamEWoof]

Good point! Thanks

[@Londonbridge88]

Agree, he’s trying to be Dave Ramsey but it’s just cringey and unhelpful

[@KrolPawi]

Yeach it wont hurt them if they are gonna pay their loans for Month to 3 longer. Let them buy these one Starbucks cofee ( or recomend better, healthier and cheaper cofee at least )

[@sherrykeers3649]

I think when you are as young as this girl, the concept of having fun is spending money... teaching the basics is necessary in her case. We have everything paid off, and i still work, I don’t go out to eat and try to discourage my husband from doing so. He does okay, but needs work..

[@coliebender3881]

I saw this back when it was first posted and CRIED. My interest rate on my car was 26.5% - my credit was destroyed by someone else and no one told me that 26.5% is NOT OKAY. I've since refinanced my car - still not great but much better at 13%. Thank you for saving me a fuck ton of money 🤣

[@carrisav]

This girl has guts to come back on this show 😆 Bless her heart though! I feel like a drawing or a To Do list of the plan would help her visualize things better. Hope she can work it out and eventually have financial security.

[@msmj9102]

She is so passive it's overwhelming. She needs to get her head out of wherever it is and start planning her life.

[@kirarozu]

She doesn't understand. She's financially illiterate. She doesn't understand the most basic principle. He needs to explain it to her like she's 5.

[@scottlewis5521]

I don't think that's being passive. I think it's something much worse. Other people on the show have definitely been passive and this is not the same I fear.

[@deirdrekiely6187]

@@kirarozu Even if she is not literate about finances she SHOULD be alarmed by Caleb's multiple stern warnings. She was ALREADY on the show once and it did nothing to wake her up. Stop giving her a pass. She needs to grow up.

[@Jonjones520]

My heart really aches for this girl. I wasn’t this financially illiterate at her age but I did like ignoring consequences. Thank goodness I grew up and worked my way out of debt and into a good life. Hope she’s able to follow the plan this time and get herself to a better place.

[@brantnerk2]

Bartending and serving…best side hustle! I’m a teacher and I wait tables at Red Lobster a couple of shifts a week and bring in an extra $2,000 a month. Good things come to those who hustle!

[@twlight9000]

I’m so sorry you even have to work a second job as a teacher. Y’all should be paid more ❤

[@mrs.quills7061]

@@twlight9000 right it’s so messed up, and the years of education they need too. What’s even more messed up is because we refuse to invest in our teachers and education then you have people like this girl on this show who haven’t a clue about finances. It scares me to think where education may be in a decade. I’m 29 and most of what I learned in high school was just an absolute waste of my time or had no real world value. We need to bring back cooking, sewing, finances, etc not forcing kids to care about state tests that make the school look good.

[@pabloescobarschanclas]

you shouldn’t have to “hustle” to make a decent living…..

[@Damon-qt3fw]

@@christopheryou5040 Easier on paper. The problem is making the students care. If a teacher is teaching sewing, kids HAVE to take it and it is forced on their schedule. The teacher is already fighting an uphill battle. Kids don't care about anything in that class so they just christmas tree a test. Education needs an absolute overhaul. I've been an educator for 20 years, and it just gets harder with the complacent kids and absolute animals called parents.

[@RebeccaEvans]

It's always scary how much predatory cert and license schools don't make it clear to struggling young people that they are not accredited universities and that the person is not going to have the equivalent of a degree. I have seen low income people happy to be getting into makeup artist or medical assistant programs and say they were going to college and expect to live

[@janicehussock7735]

Oh, yes!

[@samanthony5365]

I love how visually disturbed Caleb is by these people, you can tell he truly cares

[@kiernanoh]

As a 23 year old in Pasadena California myself, this made me feel a whole lot better about my situation.

[@cedrikneff]

Love the idea of having people come back and give updates!

[@markchavez2011]

She literally could not comprehend you telling her she could RIDE A BUS to get to work. There’s definitely a stigma around riding the bus and feeling ’less than’, specifically here in the western part of the US. Truth is, that’s the only mode of transportation she can afford right now. She also wasn’t fully grasping what you were recommending about selling her current vehicle to put her in a better situation but still owing on the car (the loan to get rid of it) without actually having it to get around in. I’m putting good vibes out there for her!

[@frag_g]

I think she thought he was saying, "bussin", which is slang for something that's the best.

[@danieldaniels7571]

@@ghostoflazlo big stigma, and it's also very dysfunctional. Mostly only homeless people and junkies on the bus.

[@milkflavored]

@@ghostoflazlo yeah it’s bc the US is not a very walkable country except in expensive cities like NYC or Chicago. Its purposely built to make us car dependent (suburban zoning is a huge issue), so the bus systems aren’t great (in addition to the poverty stigma)

[@IveGotAHondaFifty]

Yea in ireland you can bus all around the major towns and cities.

[@danieldaniels7571]

@@lakctalks2818 I personally love driving, but hate the concept of having to. Also, it’ll be a cold day in hell before I ever have another car payment again.

[@MrBarrageman]

If she follows Caleb’s advice and goes to sell the car I can almost guarantee another slick sales guy will convince her to roll the debt into another vehicle which she cannot afford

[@bdajazzfan]

Each video I watch makes me feel more and more grateful

[@liltruck2021]

I went from laughing to actually feeling bad for her. You can tell she wants to learn. Unfortunately she's just like the rest of us who were brought up by parents who didn't teach them anything financially. Hopefully in a year we get an update on her because honestly i fear for her well being.

[@RiceEatRice]

My parents didn’t teach me any financial literacy, and I have no debt and good savings. At some point ppl gotta start taking responsibility

[@Dabagel100]

@@RiceEatRice Ikr google exists now. If you wanna learn you can. At least the basics.

[@RiceEatRice]

@@Dabagel100 yep you sure can. Reading+ listening taught me everything I know

[@christ2664]

i legit think some people just aren't capable to learn, like they don't have the cognitive capacity to do so, they can't think 1 week into the future

[@nataliearciniega2103]

We learn our money habits from seeing our parents but even then it can vary. Me and 2 of my sisters are great with money but i have another sister that reminds me of this girls situation

[@katy5010]

she needs someone who will follow up with her consistently and keep her on track. these conversations are great, but it’s hard for someone with absolutely no financial literacy to keep up. also that car situation made me physically ill lol

[@CalebHammer]

I think that’s fair

[@imjoshellis]

100% -- she seemed so confused even by the most basic of things as Caleb tried to make it simpler and simpler

[@rorox95]

yeah I was thinking that, somebody has to do it for her because she is not going to do it

[@GrantValdes]

@@imjoshellis Contracts, ownership, debt, interest -- among the basic concepts she didn't seem to understand.

[@dabrick100]

@@imjoshellis i facepalmed when she thought she could sell the car and get off the hook for the rest of the liability

[@brandonb7120]

This is a good example of being generationally poor and bad habits that come with it. She needs kudos for obviously internally wanting to change and you can see how hard habits that have been ingrained in her are to break (still some frivolous spending even after the last meeting etc) Good job Caleb - you can’t win them all but even if she takes on a couple points (even with the relationship stuff) it’ll undoubtedly help

[@mrs.quills7061]

Yes! My husbands family is like this. They make the same stupid horrid mistakes, don’t save, waste money on cigarettes, Facebook games, new furniture and extremely expensive things for their grand daughter… just the other day they were begging him for 40 dollars for cigarettes and food. His dad never finished high school and has worked under the table his whole life and it’s biting him in the ass that he never did it right. His mom hasn’t worked in years and just stays home all day, his older sister moved back in with them and wastes her money on alcohol and junk food. I feel bad but it’s like at what point do you say why didn’t you fix things when you had the chance? Why must you always rely on everyone and be in such a struggle? I get change is hard but shit who wants to be scraping by in your 60s especially now?

[@kfitz192]

So tragic. It's good to know she stays in contact with Caleb. I hope she is able to dig deep and get herself out of this financial disaster. She deserves a beautiful debt free life!!!!

[@deirdrekiely6187]

2 interventions and text messages from Caleb and nothing has changed. Blind optimism doesn't help people.

[@CatherineGoodrich]

@Caleb Hammer, I just found your channel and I've been binging these videos. I see a common theme is financial illiteracy and lack of basic financial education in schools. PLEASE consider a series for teens, explaining basic finances. I think you're so relatable that they'd listen to you, and clearly our kids need some help and education.

[@M_SC]

She has bigger problems than financial literacy. Her mom is sabotaging her life

[@smmrboyle57]

Sometimes I wish you would add up the total of the “fun” money spent to show them how much they are actually spending on crap. Then show her she probably could have made those car payments on time.

[@authenticallyallison]

I loved seeing a follow up. I'm so sad for her situation and that she didn't do anything you suggested except leaving her marriage. To get to a point of reaching out for help, and not taking help is so sad. Caleb, great episode. I appreciate your passion. I can be a yeller too 😂 I can clearly see how much you care. Kudos for her not breaking down into tears because I probably would have 😂

[@vivo512]

A score of 3 was very generous. I don’t think she truly understood what you were trying to tell her or how dire her financial situation is. Bless her hear!. I pray she finds someone financially sound to hold her hand over the next 2-3 years to dig herself out of this mess. Hopefully you gave her a written plan to follow or to reference back to because she won’t remember after she walks out of your studio. Shame on mom for not really supporting this adult child as she not clearly ready to leave the nest😢

[@pariahrose6531]

Her blank face signals everything I need to know… this woman will never escape poverty 💔

[@neljones6328]

A statistic.

[@Galapagosreaper]

This girl is a brokey fo life

[@gucciguy3408]

Definetly not solo that is for sure.

[@JSowder21]

What a sad thing to say

[@lane1776]

Exactly. I'm shocked when people are this oblivious to money. Seriously- it's easy.

[@Jorge_Fimbres]

I’m obsessed with this channel. I’m binge watching all the videos.

[@CalebHammer]

Thank you!!

[@KrisMcCauley]

you're the man dude. I feel so bad for this girl. props to you for coaching her and props to her for being open and listening.

[@cflow2013]

Bruv if her weekly payment is 150 for 5 years that’s 39 grand for a car worth 20% of that total Why is every payment she has broken down by the week??? In my entire life I’ve never even seen a weekly payment offered

[@kitschydotpre4302]

I’m suddenly grateful my parents taught me skepticism, especially towards businesses.

[@purplehearts2103]

Caleb I just started watching you today and already I love your videos. I do have a suggestion. I've noticed some of your guest get confused if you explain what is happening to them. I recommend maybe breaking down the amounts (ex. if you drive for a year how much will that cost vs if you take a bus for a year how much will that cost) and show them the numbers and explain to them $1000 to take the bus for the year is much better than $7000 to take the car. Overall, I absolutely love what you do and completely agree with all of your points. Keep these up! I will be watching every single video.

[@mojojojo8213]

She should have gone to community college got a certificate in dental assisting and then cash flowed through dental hygiene school. As far as I know there aren’t any dental assisting degrees and the average salary in the us for assisting is $45k I believe while the average dental hygienist is closer to 80k. Also at Austin cc she could have gotten the same certificate for$2099.

[@CalebHammer]

Yeah :( you’re totally right

[@antonioorellana504]

true, many of those certificate schools as very predatory. They target low income and the uninformed. Community college would have been cheaper and a stronger education.

[@mojojojo8213]

I hope she doesn’t get caught in the diploma mill cycle. She needs to see if she can transfer credits from this program to a community college and the. Use pell grants to finish a degree like dental hygiene or even just an associate in arts. She seems so lost I hope she finds her way.

[@EyeTapTapThruAds]

She could of went to the military got the same training for free and paid while doing it. Did four years and got out with the cert .

[@mrs.quills7061]

@@antonioorellana504 just like pay day loans and other things she’s been trapped into it’s sad. Many community colleges too are free or reduced for in state people (at least where I am) I went to a cc and then transferred to get my bachelors. I still have debt, but I have a stable job.

[@lorirogers9304]

Engine trouble = no oil changes. Seen this in several of Caleb’s videos. I did this to two of my cars when I was young.

[@philwurtzel2461]

I'm very concerned for this woman. She's going down some bad financial paths and has some people taking advantage of her including her ex and landlord. Hoping she can turn things around.

[@superbigblack]

Landlord aka her mother aka the person who said ok to paying 5 times what a car was worth.

[@nineteenfortyeight]

She's an adult

[@horsepanther]

​@@nineteenfortyeight Is she, though? It seems like she has some kind of intellectual disability and isn't really operating as an adult.

[@blackjag121]

Caleb please help this girl. I do believe she needs consistent support until she has a better understanding of how to hand her finances.

[@tiffany.Elizabeth.]

Hahaha I just made the same comment. She needs this drilled into her head. It’s all too new for her. Not her fault. It cam be very confusing at first. She has no one in her life who is able to actually teach her.

[@AChickandaDuck]

I honestly wonder if there’s some level of intellectual impairment going on.

[@courtneya2207]

@@AChickandaDuck definitely, plus manipulation from her mom, it’s like learned helplessness

[@HereForFun98]

He’s helping though, everything else is outside his scope. I hope this girl gets the help she needs.

[@TheJtoben]

@@AChickandaDuckthere is for suree

[@aaronb845]

She is so not doing any of this. When Caleb checks back in in 6 months, she’ll be in the same place or worse.

[@irnbrewhaha]

At the start, you could see her excitement, thinking she had a lot of good things to share with him. And then...gone. Really felt for her when she later acknowledges herself that things got worse, as though she only now recognizes it. If her mom isn't already collecting some sort of social support on her behalf (might need to fight her for it, if so), then she needs to be connected with some sort of support program or a case worker. She seems so sweet and just needs someone to stand up for her and point her in the right direction on occasion. Caleb, she needs a Big Brother.

[@sonroqer8448]

She is sadly mistaken with the certification/being registered. A lot of those are a basic requirement and it doesn’t add a lot of negotiation power. She should not rely on that but rather what she makes now.

[@mrs.quills7061]

And usually to negotiate a raise they care more about your experience anyways. It’s good she has an internship, but I think she should get an actual degree at a higher dental position. I feel like she chose the certification because it takes less time. Many do that in the medical fields and I have some friends who did that with nursing, many are going back. It’s super hard to go to school and financially support yourself, but it’s worth it in the end I think.

[@sandrab1594]

Watching this hurt me. It's frustrating that she has to pay her mom $600 while going to school and working. When my dad told me I had to pay his bills and pay rent, I said no because I was doing so much and trying to save that I couldn't. After that it, it was a struggle for me on my finances. It's hard when you don't know how to save money and you have to figure it out yourself. I am thankful I found great financial advice, but damn this hurt me. I can relate to her.

[@camiiii31]

i can relate too because my parents didnt give me a cent after i turned 18. but it's not like they could help it, they had no money to give me and I made my way on my own. I did move back in with my parents at one point and paid them for utilities and "rent", but it was still a steal compared to having my own apartment. her mom may very well be struggling too, there's nothing wrong with charging rent if that's the most the mom is able to help.

[@sandrab1594]

@camiiii31 I can see the extent of charging your children rent, but it is a struggle. I feel like if they're in school, working, why charge rent? Help them save for their future. Granted, I won't pay for their personal things or bills that come across. Or maybe do charge them rent, but keep the rent money for their savings. I don't know. It's tough when we don't know how to handle our finances when we weren't taught in school how yo handle them correctly.

[@havingteawiththedevil]

You got the option of telling your parents no? 😭 I'm still living at home at 28 and I want out! But I pay $800 and can't save a damn thing 😩

[@KadoTheNorm]

@@camiiii31she shouldn’t be paying more than a third of the rent when her mom has a roommate and she doesn’t even get a room. Plus all the terrible financial advice her moms given her (advised that she take a car loan and all the eating out on her dime) regardless of her situation she’s not a good parent, being financially responsible is nearly a prerequisite for being a good parent. Can’t be a burden who couldn’t pick a good father with nothing to offer your kids, while bad mouthing your child to her own family. Just terrible.

[@SS-vm5ut]

This young woman is trying hard to understand the concepts you’re offering but she needs visuals. Can you use charts to help these people understand what you’re saying? It’s all so foreign to them and they get lost in the verbal descriptions. Other than that, your advice is spot on and awesome! Love watching your shows!👍🏼👍🏼

[@nancyjones1576]

Bless her heart. My heart breaks for her. As a momma, I would never charge my child to live with me!! My babies are grown and on their own but they know they can come back home anytime. I did raise them to be financially savy and I feel like no one did that for this girl. I just want to hug her. She needs someone to walk her through doing all of this step by step and she doesn't have it.

[@mandy3486]

I'd consider charging them and saving the money up to give back to them. But I'm betting her mom is in as bad or worse shape than her and that's where she learned to be irresponsible. Otherwise who else encourages their kid to get a car loan for 25 percent

[@puddincup9879]

You're not doing your child any favors not charging them rent. What are you teaching them? This is why young adults think vacations, shopping and eating out is a priority.

[@AlohaCow]

Caleb is doing gods work with this channel. I love this content. One of my favorite channels here on KZbin

[@michaelslifecycle]

Shame on that car salesman that screwed her over. He knew exactly what he was doing.

[@SimRacingVeteran]

Most of the time it’s the finance guy screwing customers not necessarily the salesman. But yeah they’re mostly crooks with smiles.

[@michaelslifecycle]

@@SimRacingVeteran Oh okay well one of them screwed her over and it’s not right

[@dlcarr187]

Buyer beware 😂

[@emsa5034]

I mean if you have terrible credit it’s pretty much guaranteed your interest will be thru the roof. Her only other option would be Craigslist. I’ve gotten all my cars off Craigslist. Then again my dad is a mechanic and can check the car before buying and negotiate prices.

[@TimMcKnight]

The problem is blaming the salesman. If you’re not financially literate - that’s on you! No one owes her understanding…

[@lauryn_talks]

Watching this made me so deeply sad. I thought she was much younger based off of the way that carries herself and speaks only to hear that she's 23. Which is still quite young of course, but her mother has severely handicapped her. I really hope that she beats the odds.

[@belinda9646]

Gosh I’m really pulling for this girl!! Life can be so much better. I would love a second follow up later on!

[@davidk7262]

I am actually sat here open mouthed at the car situation. The dealer has straight up taken advantage of her. Insane!!!

[@GrantValdes]

20 minutes in and Caleb still having to bring the discourse to an ever lower level: "You need money. You have no money."

[@lmelior]

I would be surprised if she could get a personal loan for $6k at anything close to a decent rate. But I suppose $6000 at 24% is better than $15k at 24%. I really hope she's doing well and she comes back for round 3!

[@Ezinma88]

What a genuine soul she is. That moment at 42:16 when she finally understood she'd have to take the bus, it's like the light in eyes dimmed! Seriously though I can't see anything changing for the better, unfortunately. It's just bad choice after bad choice. I'm genuinely worried about who will take advantage of her next. If she took nothing else from your second conversation I hope she gets a second job. Maybe waitressing in the evenings.

[@maskedhobo]

Her mother is the worst one, because she convinced her to get the car and pay that much in rent. The dad tried to tell her not a good idea for the car.

[@globalphenomena6979]

I think she should attempt to get a bike or an electric scooter

[@gucciadjective7745]

She came back and she refused to take the bus

[@toiloloreactions9874]

When your financial situation is so bad that a divorce is a positive thing… I’m glad she’s still trying to get help.

[@BlackNight603]

Glad that she got that divorce!!

[@marissam5410]

I feel so bad for this girl, she really does not understand how anything with loans work.

[@eileensmith4506]

She is so awesome for working through the confusion and asking questions to better understand the solutions. His honesty and bluntness is so refreshing.

[@nineteenfortyeight]

She's staring blankly and admitting to never having looked at the records she sent Caleb. How is this trying?

[@lexielynn03]

​@nineteenfortyeight6762 She's trying HER best, she doesn't understand concepts as quickly thoroughly as the average person. How can you not see that?

[@Girtharmstrong69]

I worked as a car salesman for about 3 months and quite often the salesmen would "bury" people as they called it. I remember a guy who owed 70 grand on a 10,000$ car because high interest made him have to keep trading down until he had a car he could afford but by that point he owes so much and salesmen love people like that

[@Special-sock]

Evil

[@tear728]

That's why I wipe my ass with car salesman when I buy a car

[@tiffany.Elizabeth.]

Tbh I think you need to Hold this girls hand through every step because she needs a supervisor. She needs to have these concepts drilled into her head over and over. It’s too new for her.

[@thepissedofflandlord]

Caleb can take the horse to water but cannot make it drink.

[@horsepanther]

She literally doesn't understand the concepts so there's no point in trying to drill them into her head.

[@puddincup9879]

In what world? He's met with her twice.. she has to do the work.

[@violettefemme21]

I think it’s clear from the toxic relationship with her mom really plays into her current mindset and actions around money. She definitely can’t afford what she’s doing right now and hopefully with her not having to pay for the certificate weekly soon and being able to then get a bit more an hour and get 40 hours a week with benefits she’ll be able to start some forward momentum. She definitely needs to budget and cut back a lot on all the fun but you can tell with her mindset she can’t cut fun out completely or she’ll feel deprived and then the pendulum will swing way back and she’ll probably dig a bigger hole somehow. I also don’t think selling the car is her best move if you look at her life as a whole. Financially it may be but the complexities of all that is too much and living somewhere where she is being threatened to be kicked out, having a car and not relying on the bus is definitely feels like a bit of a safety net. (Even if it isn’t). Definitely trying to refinance it because that interest rate is absolutely insane.

[@kayleedorinesmith7084]

I totally believe parents should charge their adult children rent if they're living at home. But $600 for the living room? That's wayyy too much. A part of me is hoping the mom is secretly putting it in a savings account for the daughter, but I don't think that's the case :/

[@Carlos-sh6iu]

Totally agree, $400 is a fair amount. She is an adult and should pay rent

[@BlackPaladin2]

It's not unheard of. Have had quite a few millennial friends paying 400-$800 rent living at parents just because apartments were $1200+/mo. Allows their parents to actually handle a large portion of the bills and they still can save. It's how some of my friends ended up getting their own apartment or a foreclosed house with a far better paying job in a few years of doing that. This is an inherently American thing though because our culture heavily looks down on living with parents. In many parts of asia for example it's quite common for people to live with their parents until around 30 rent free, then get together with a significant other while having a stable job and move out together.

[@mrs.quills7061]

Nah I think her mom is straight up leeching off of her making her own financial mistakes. She learned this behavior from somewhere and I worry others are taking from her too…

[@donaldlyons17]

@@Carlos-sh6iu That is what I paid but it was not hard making 1.600$ each month obviously!!!

[@nuclearlo0ve]

@@BlackPaladin2 her mom knows what her daughter is going through.

[@rebeccaabrams3079]

It's fascinating how things just don't ... click. It really feels like there's something deeper going on than her just not having financial literacy. Possibly somewhere on the spectrum? Not trying to diagnose but just the lack of awareness of how emotional he's becoming over this, and her answers which aren't exactly typically appropriate for the question she's being asked, just kind of make me take pause. Regardless, it's sad because it really doesn't seem like she's willing/able to make the moves to better herself and her life.

[@deirdrekiely6187]

Right, like a few others have said, she seems "slow." I don't think she is on the spectrum (she doesn't display autism symptoms) but it could be I.Q.

[@AlaskanCam]

As someone with autism, I, as well as everyone with autism, is extremely smart. This is just right down to IQ and processing, both information and otherwise. She just isn’t smart. And she’s being taken advantage of because of her stupidity.