The Saddest Situation We've Ever Seen | Financial Audit

[@kaiwryn]

The moment she started crying about the lottery tickets I really got how bad her home life is. Every time things get crazy bad she goes out and buys some hope. She knows she probably won't win, but in that moment between buying the ticket and seeing the result she gets to dream of an escape. It's heartbreaking.

[@haute03]

That part honestly made me tear up. So sad.

[@laminage]

Dear God, that's so heartbreaking. Lotto Tickets are not the answer, and another dangerous thing is to do Sports Betting.

[@TootieOrchid]

@@laminage I have spent more than I’m willing to admit betting on stupid point spreads and o/u I had to tighten up and look myself in the mirror and realize that you aren’t gonna get the big hit like they post all over social media

[@FourKidsASMR]

I've scratched plenty of tickets and it sure is when you are having a bad day when you want to try your luck the hardest lol. I've quit now- quit cigarettes years ago. Quit drinking. Quit smoking weed. It's all for the best- i wish this girl luck.

[@Jennkcollins]

This reply just made me cry in the grocery store. That’s so true!

[@DemVidzIsMine]

She’s a big ball of anxiety. I hope she pulls through her situation.

[@Bass_Fishing_101]

Likely has TBI from the car accident

[@sheenmccart14]

At first I thought the initial 8-10mins were excruciating because she could not explain anything but now I can tell her anxiety is getting the best of her. Wishing her the best!

[@misspapo3444]

Just reading this and laughed because I was about to exit out the video, she was very confusing and wasn’t saying anything but saying a lot words.

[@austinjacobsen7689]

Mainly she was trying to figure how much disclosure she wants to give for her comfort level.

[@roxywyndham]

Yea I hatedddddd listening. It was killing me 😭😭 I still hate it even after knowing 😂😂

[@thepearlswirl]

No seriously I was trying so hard to be nice but I was constantly rolling my eyes😭 31 mins in currently..

[@youtubeuser206]

@@thepearlswirl yeah i honestly can not believe shes a writer, she is terrible at getting her point across... i stopped at 5 minutes.. so brutal to listen to

[@snakestry8408]

I love when Caleb tells someone it's okay to cry, it makes sense to cry, they have a good reason to cry - shame is such a huge part of why people can't get out of bad financial situations and allowing these people to come on here and confront their past mistakes without sugar coating things, but while also allowing them the space to grieve and face their shame while giving them hope for a better future is HUGE. It's such a delicate and careful line to walk and somehow Caleb does it every time. King shit.

[@aeromedical6776]

She doesn’t know her value. She’s working a job at age 27 (with a college degree) that’s pulling in less per hour than working at most fast food resturants. She seems like a lovely young lady, but has absolutely no financial maturity. Unless she substantially increases her income, personal bankruptcy may be her only option.

[@elbuhdai605]

This was so rough to watch. I know SEVERAL people with a really awful situation this and I can just see the pain and struggle in her eyes. There are so many heartbreaking hints like the lottery tickets, the "bad for mental health" home situation, the nearly decade-long college attendance, "I don't know if I should have come on here", etc. My heart goes out to her, and frankly I wonder if this one should be taken down or made private because financial problems are likely the least of her worries. She just needs a win in general.

[@sharpshooter_Aus]

Yes it’s called parents spoiled her, parents told her time to grow up and she doesn’t want to. Hence the back and force from college, going to another country, going back and forth between states, she wants to stay being spoiled and have no responsibilities.

[@coffeepot3123]

@@sharpshooter_Aus You have no context to say any of that bs Jr.

[@sharpshooter_Aus]

@@coffeepot3123 Yeah I do, just look at her.

[@coffeepot3123]

@@sharpshooter_Aus I think your detective skills are better spent on your Minecraft server Timmy, hahaha

[@sharpshooter_Aus]

@@coffeepot3123 You watch financial videos now watch English and grammar videos. Don’t try and insult someone when you don’t even know how to use a full stop or comma.

[@fireninjawizard709]

Hey Caleb! You might want to consider adding the question, "on a scale of 1 to 10 how stressed out are you about your finances?" Might help give you some context going into the interview.

[@michellecd4722]

@Fire Ninja Wizard Great coaching question! :) Classic one to ask & a good one at that!

[@stefanielozinski]

I love that idea ❤

[@grey6703]

@@shanegrayson7068 a ton of people seem to feel fine about where they are though while caleb is trying to knock sense into them. a lot i feel would rate themselves under a five, but clearly not this young woman

[@MikaelSalvatore12]

Hopefully he sees this, it's a really good question

[@rebeccaabrams3079]

@@shanegrayson7068idk the girl a few before this episode was a follow up and she had barely changed anything except upped her income a smidge and she was completely comfortable with her finances and said she felt no stress about it

[@jajj_draws]

just started the vid, but already I feel like this girl would do WAAAAAY better as a freelance content writer, rather than working for an agency. Agencies pay their writers beans.

[@haleymist09]

6-10 articles a day??? Yeesh.

[@jeffk3368]

I wonder about her content writing abilities. She struggled early on to explain how she ended up in such car debt trouble. She had a bad car accident while in a work vehicle. It shook her up enough to quit her job. Spent some time living with no plan and was outside of the US. She was deciding on the spot what she is willing to share online about so many topics. This basically guarantees she is going to admit more than she wanted to, and expend more energy that needed during the audit.

[@andrewparry7300]

​@@jeffk3368I tend to agree. Nothing against her but my feeling is that this is her job not something she's passionate about or necessarily good at..

[@atomknight8361]

not even rice and beans, just beans

[@Wenisssss]

Yeah I’m surprised that the pay is soooo small. You can do essentially anything nowadays for $15/hr.

[@to1620]

I think the best term to describe this lovely young woman and her financial situation, is fragile. She appears to be holding things together, but I think it’s obvious that underneath her smiling manner she’s actually acutely suffering. I admire her strength and willingness to work on her situation, and I sincerely hope the next few years are kind to her. From one woman to another-I wish you the best!

[@powercourageandwisdom]

@T O - I agree wholeheartedly that she is going through a heavy time. Her willingness to seek advice is her first step in bettering her situation in life. It will take her willingness to continue taking each step with strength and accountability. From one human being to another, I wish her the best as well. How does one eat an elephant? The answer is one bite at a time. At the same time, remembering to chew each and every bite taken. It's like through hiking the Appalachian Trail. With that first step and every step at a time thereafter from beginning to end. It is possible. She can do it if she really wants to and if she does everything in her power to achieve it.

[@user-lt1jd1ye3v]

She’s very feminine I wish she didn’t have to take care of everything by herself

[@ShawnaSweets94]

I cried. Out of all your guests on this show, she by FAR was the bravest. I hope she knows how much she's impacted others to be open. I relate to her situation so deeply. It's overwhelming and you almost want to give up before you even begin. Stay Strong Love ❤

[@nomoregunsinthevalley]

I know, I wish we could get rid of the comments like “ooo she’s so anxious it’s so annoying/she can’t tell a straight story she’s so annoying - I can’t take this episode” like… shut up. I have to stop myself responding to each one telling them they’re being unkind. But they should be ashamed, dinguses. Glad I am not their friends

[@sharpshooter_Aus]

@@nomoregunsinthevalleyt’s not her anxiety, it’s not her home life, it’s her being spoiled as a kid and doesn’t want to grow up, she uses tears to garnish sympathy, she’s probably the worst guest on this show, just deflect deflect deflect, cry cry cry, feel bad for me feel bad for me, even the bloke who lived in a share house was more upfront and responsible than this bird. If she was so anxious she wouldn’t of been able to go to a whole different country where very few people speak her language, she just wants sympathy.

[@nomoregunsinthevalley]

@@sharpshooter_Aus and what a lovely person I’m sure you are

[@SacrificingNothing]

@@sharpshooter_Ausyou realize people can have anxiety about some things but not others, right? What does the anxiety about discussing her abusive home life and her abuser seeing it on KZbin have to do with going to a different country? You’re an ass, for real.

[@ravenofthewild]

​@@sharpshooter_AusWow...so you're psychic? Crying, like laughing, calms the Parasympathetic Nervous system and eases the stress of anxiety. I certainly hope others don't make projections and assumptions about you. Anxiety and stress are very real. They might not be for you. You could try sending kindness and compassion to others instead of vitriolic Assumptions.

[@kyleshelton1636]

Man, the amount of emotion radiating off of her is visceral. I hope she get's back on her feet. It hurts my heart to see someone struggling like this, and trying, and still feeling like there's no way out.

[@BrettBoi4117]

Every morning is a good morning when financial audit drops

[@LaSombraa]

Hopefully we can get an AI version of Caleb so we can get an upload every few hours 24/7/360

[@calmyourmind5665]

It’s a happy little dopamine hit for sure.

[@niaonli]

i second, third, and fourth that.

[@tracym8952]

You speak the truth

[@PrimericanIdol]

Faces Of Debt*

[@MotivationalCarpeDiem]

Caleb! I saw people watching your video on the train in SF. Im really happy for you because your getting everyones attention. I paid off my 14k in credit card because of you and now feel all this stress off my shoulders. You are a blessing to this industry because its hard to relate to people like dave ramsay. You are awesome dude

[@janelleg597]

Get out of there, man

[@jeffreykershner440]

Awesome work on the CC debt. Keep snowballing on any other debt!

[@TheAdamPhilipShow]

As someone who also lives in the Bay Area it must feel great to be out of that debt! Congrats man.

[@sidehustlesports4036]

​@@janelleg597 nah there's money to make out in the Bay

[@KC-dr3cg]

Can't fathom how you accomplished it. I only paid $6,000 and struggled.I only spend $60-$80 a month on food.

[@marcellom]

Four minutes in. This woman is laughing so much I am expecting full tears within the next ten minutes.

[@bobbyheath2474]

BINGO! Hope she can heal

[@peterzhou2567]

True

[@Beejrich]

You called it lol

[@gmg5435]

Most unwatchable episode yet. Hope she finds the help she needs, but she was so vague and incomprehensible that the episode should have just been scrapped

[@AcidSugar1414]

I agree the episode was difficult to watch. But you think this wouldn’t help someone else’s situation?

[@PriusRaj]

I'm like 99% sure this woman is being abused by her parents. She can't advocate for herself, feels guilty even speaking, and is absolutely terrified to give any details about her home life.

[@kindagrizzly3143]

I'm 99% sure she's spoiled and her parents told her to get a job and grow up

[@JD-xz1mx]

There are lots and lots and lots and lots of people who are uncomfortable speaking about their personal affairs who have not been abused. Its downright dangerous to snap to this kind of conclusion so easily.

[@chachisadventures3378]

@@kindagrizzly3143 100% not the vibe I got

[@alisonf6478]

@@kindagrizzly3143 so brave and kind do you, anonymous BS KZbin guy.

[@jdubo1998]

@@chachisadventures3378 Vibes don't mean shit.

[@AliciaMcIntire]

She can't afford it, but she needs to move anyway. In 2021, my living situation was like this: so stressful I couldn't talk without crying. When I talked to a therapist, he told me to pack a bag and get out that night. It was life saving advice. Just because no one it hitting you, doesn't mean you are safe. No, I couldn't afford to move, but I'm glad I did anyway. With really bad living conditions, you are forever exhausted. There isn't any energy left for a second or third job. Please, please move out. Having a safe place will make everything else so much easier, even if it means a little bit more debt at first.

[@psplayer7837]

Could you please explain if someone isn’t hitting you doesn’t mean your safe ?

[@ohhhlorrd]

@@psplayer7837 mental abuse is abuse my dude

[@psplayer7837]

@@ohhhlorrd every heard the saying “sticks and stones may break my bones but words can never hurt me” learned that shit in kindergarten, if someone calling you names or belittling you effects you that much than you aren’t ready for the real world

[@psplayer7837]

@@ChristinaVVM mental abuse is in your own head is something your in control of, just because someone or a family member is making fun of me or anything that would be considered mental abuse doesn’t mean I’m going to self destruct and make poor decisions, they are opinions and everyone is entitled of one, just because someone calls me stupid or dumb as many of my own family members did I’m not going to ruin my life financially especially at the grown age of 27, and later in the episode they do confirm it isn’t physical abuse, and if it is there are police and agencies that help with physical abuse it isn’t the 1970s anymore

[@psplayer7837]

@@strike1oui and that’s your opinion, not going to let it ruin me financially

[@cameronshere4927]

I dont want to play "armchair psychologist" here, but you can tell that underneath this poor girl's smile is some kind of real sadness or pain. Most spending habits and debt habits are behavioral, and there's attempts that most of the guests on this show try to justify the behavior. But the first 10 minutes of this video I was basically "waiting" for her to finally release whatever stress or sadness she's hiding under that smile.

[@MadisonFalcoFoods]

I do have to agree. I do it sometimes too with the smiling to hide, but you don’t even realize it when you’re doing it

[@Callimo]

It aaaallllmost happened, but it see.s that she's a pro at hiding her sadness (I guess either she's had to do it since childhood or was always shouted at whenever she showed even a bit of emotion).

[@katrina3560]

And the biggest clue in is that she doesn't feel that her family home is a good place for her mental health, but she also isn't willing to "air the dirty laundry". She is protecting them at her own expense; she's likely went through a lot growing up.

[@Oliviaandtrina]

Absolutely, the way she tip toes around everything scared to let it anything out. And doesn't ever stop giving a fake smile even when talking about difficult things, seems that she uses a smile to hide pain. I feel a lot more sympathy for her than others on the show

[@JeserNoob]

@@MadisonFalcoFoodshope you’ve been doing better lately! Your episode was great and informative!

[@margotk538]

2) She should consult a law firm on suing her former employer on providing and forcing her on driving a faulty vehicle that lead to the terrible car accident. She must be traumatized and might impact her mental and physical health. She also lost her vehicle and career future potential income lost. Definitely start collecting evidence with the other colleague in that accident to sue.

[@courtneya2207]

^^^^

[@alexf461]

Unfortunately I’m not sure that she’ll be able to win in court. She knew the vehicle was faulty and still continued driving it at the end of the day. I was in a sort of similar situation and it turned out for me that regardless of who owned and maintained the vehicle it comes back to the person driving being responsible.

[@airybrook]

I am not even sure as to what happened with that car. She cannot string coherent sentences together. So was it the fault of the car, was she even driving, was the driver speeding...who knows?

[@CinemaFire7]

she can't afford a lawyer right now lol

[@Kevin.Grindel]

I don’t believe anyone put a gun to her head. She could have refused at anytime if she felt it wasn’t safe. Take it to HR. I also don’t think we got the whole story she did say the accident was “mostly” do to a faulty car.

[@davidsensing2664]

Caleb - commuting miles are not tax deductible. It sounds like her employer might be treating her as an employee but paying her as a contractor to avoid payroll tax. That is a big problem.

[@PrimericanIdol]

She needs to get a MUCH higher-paying job that is willing to take her in. They're out there. They may start her out with a meager wage, but she can work her way up.

[@thestranger1164]

Lol, that's exactly what happened. Employers don't give AF about you and if they can save 50$ a week from you they'll do it.

[@MaryCumbersnatch]

They're not? I used to work door-to-door sales as a commission only 1099 independent contractor. I was able to deduct all the miles every year. Why wouldn't she, if she's required to travel to a place away from home to perform her contractually obligated duties? As far as her being misclassified as a contractor, i agree 100%.

[@Charlay_Charlay]

Yea that's a huge problem. They are taking advantage of her.

[@cremebrulee4759]

If you are a contractor, they are. They are a business expense.

[@NotFalling4it]

You did an excellent job showing empathy and kindness whilst still being you. I really like you as a person Caleb.

[@DanielV91B]

This episode has been the hardest to follow through with. People with anxiety give me anxiety 😵‍💫

[@michellecd4722]

@Daniel V That's often repressed anxiety, so just see it as one of your "shadows" to connect with & embrace :)

[@nomoregunsinthevalley]

You’re alone in that, after addressing my own anxiety triggers I can watch this and feel incredible compassion for her but not get anxiety myself

[@jissymendex526]

😂😂😂 sameeeeee

[@turtleanton6539]

Yeeeeh😂🎉😂

[@bjg394]

I love watching Caleb turn into a teddy bear once he realizes he's pushed too far.

[@AppleHelperITouch]

Honestly, huge W, he’s tough as nails but gentle as a feather

[@makino208]

I also love it when he cranks it back up after the teddy bear!!

[@sharpshooter_Aus]

I normally agree but for this girl it seems she uses tears for sympathy to try and negate her mistakes, she gives off the vibe of a spoiled kid who was forced to grow up by their parents but they don’t want to grow up. I think she needs a bit more of that tough love not sympathy.

[@bethanyg153]

He’ll be an excellent husband some day!

[@jabowa]

@@sharpshooter_Aus I'd be careful with this as a blanketstatement. I'm a grown ass adult, and still cry when in an overwhelming situation. It's a physiological response to stress and anxiety. I do not expect anyone to be sympathetic when it's happening and she very much stated the reasons for crying during the interview. She needed help and came on here to get that help, and she got it. There's a lot of work to be done, and I hope she gets past both her issues at home and her financial situation.

[@Noted222self]

Caleb you are so good at being constructive yet empathetic/nurturing. GOAT!

[@CalebHammer]

Thank you

[@HawaiiBlueMermaid]

@@CalebHammeryou were fantastic here balancing both!

[@connorpratz9025]

@@CalebHammer love you guy, the world need ya. Us normal folks just get overlooked mostly. Would love to come on the show!

[@makino208]

This is a talent!

[@katrinaoliver4167]

He’s the sweetest. I love his style.

[@MonicaMitchell-x2k]

She was clearly not emotionally ready to have this discussion. I’m rooting for her though. Great job managing her emotional turmoil Caleb!

[@stephenbianamara8996]

She's genuinely a gem. Such intention to stay positive. I wish the absolute best to her.

[@cavecanem1741]

So much sadness hidden behind that big smile. I believe everything will work out for this young lady.

[@y0utuberculosis]

Poor thing. I had to go back to see her age, I was expecting her to be 19, 20, 21, but to be in this situation at 27 is really rough.

[@amyeastman8764]

She could work a couple jobs and get out of the parents house. Not too hard to work a 40hr job and another PT job or side gig. It’s not as exotic as Peru of course. It’s boring and likely tiring but she could do it IF she wanted to.

[@julioalvarez6294]

I hate it when everyone says it's my mental health bc damn you brought this shit on yourselves by the decisions you make daily. I think most people that have mental health issues is due to them having an expectancy of life being jolly and easy and them BAM! life doesn't give a fuck about you and youre to far in the hole it seems impossible to get out of it .

[@lexm17]

@@julioalvarez6294 she was in a severe car accident, that takes a toll. People make silly decisions but that doesn’t mean they should be crucified for it. At least she went on the show seeking help that’s all u can do. Empathy costs nothing

[@julioalvarez6294]

@@lexm17 i get it but life hits us all and i believe like people expect for some sort of magical savior. I think the sooner people acknowledge hey im in a pickle i need to man up and be responsible for it the sooner they can get their life back together.

[@imjustsam1745]

@@julioalvarez6294 I used to use mental health as an excuse and it's a trap we build for ourselves. Every time a person tells themselves they're mentally ill they dismiss their own agency. Every time they dismiss their own agency they make every problem they got, every problem they're ever gonna get hundreds of times worse. And it's morally lazy "it's not my fault" siren song of the lover. We are the decisions we make, nothing else about a human being matters. This chic needs to pray her butt off and hope she's not so lost that the Gods ignore her.

[@Svartr.HrafnSvartr]

This was a hard follow and a little confusing when the home circumstances are so vague (not saying it's any of our business though), but my heart feels for Caitlyn and I hope she can build up her confidence and help herself get into a better financial situation.

[@sickofnelson]

retweet

[@susiex6669]

I agree. She seems like a really nice person. Caitlin, we're rooting for you!

[@justhomas83]

@@susiex6669 Yes Caitlin is awesome I am rooting for her. Lets GO.

[@intensifier1346]

Her parents didn’t raise an adult but are expecting her to be one. Everyone is frustrated.

[@potato1084]

@@sickofnelson Wrong app mate.

[@maggiesimone275]

She should get a part time job at Starbucks, as someone who worked for the Company under the Houston district the manager and general manager aren't too bad and they have some great store managers in the area. Also, she qualifies for 20 weeks of free therapy that will help get her through the door for her mental health. Starbucks also provides discounts for car purchases and other partner discounts.

[@SkySilverFire]

I remember when I first met with a financial planner years ago, I cried like a mofo... I'm not even a crier, I was just so frustrated with my situation and didn't realize how much help I needed till then.

[@colincolin8352]

Hearing her talk makes me want to hold my breathe and never stop

[@user-bi2kf1ns8u]

man, I hope she gets the mental health support she deserves

[@danibroderick1683]

Is there a video on Caleb's backstory getting out of debt. If not, I would love to watch that -- I've heard him mention it in passing in a few videos and think it would be really inspiring to see what he climbed himself out of.

[@markdotinc8371]

10 minutes in...I have no idea what this girl is saying about her car

[@PrimericanIdol]

I suspect not only was she in a wreck, but she caught a DWI as well.

[@POPDATA]

Uh

[@juancervantes]

I am still confused about it.

[@therealteal620]

Car problem that a mechanic overlooked then somehow flipped the car on the highway, saying it’s the faulty car causing the issue. Could be a DUI tho since she said she can’t get a job with “that on [her] record”

[@JacobsEVAdventures]

I think she bought the car. And then went to Puru for awhile and didn’t make a single payment on it.

[@danieleliaslesmescaro286]

We definitely need an update in a few months. Rooting for her !

[@TheBullyDisciple]

No pls.

[@GoshTasha]

I agree with what some of the comments are saying that she might've not been completely ready to have this discussion BUT I think it's really good and important that she did come on. I've really enjoyed watching calebs style of financial audit approach, I can see the impact of doing it face to face makes a really huge difference rather than doing it over the phone. Keep up the great work!

[@funnytime1111]

I think a lot of the people on this show are spending to cope with stress but they just don’t realize it or are in denial

[@susiex6669]

Most people spend when theyre unhappy and corporations know this. Happy people dont feel the need to spend. Its why our society is so f-ed up. Thats by design.

[@fungdark8270]

@@susiex6669well it’s all a loop so there’s no sense in trying to find a beginning or source other than human desire. If we are happy, we are either meeting most of our desires or have brought our desires down to wherever we are. This can coexist with flourishing corporations, just maybe not to the extent that we have them today, lavishing in profits from ketchup popsicles we think we need

[@cheesecurd100s]

Stress and depression has hurt me more financially than any other factor

[@susiex6669]

@@fungdark8270 No, corporations like the beauty industry thrive in making people feel bad and inadequate. If youre content with the way you look, you dont buy product. Has nothing to do with human desire. You are constantly told you arent young enough, thin enough, this celebrity has tried this and so should you, etc.. There is nothing in our society that caters to happiness. The vast majority of us are overworked, underpaid and stressed out.

[@fungdark8270]

@@susiex6669 Yeah I agree, but they are just playing on human nature. Since Ancient Greece and beyond we have been obsessed with comfort and pleasure. This is perhaps a malignant version of our state, but yeah we’ve got to help each other see through it for sure. It’s the best way I see to reduce human suffering

[@strcd]

I really can relate to her, she’s in a place of her life where a lot of people her age get their lives together and it seems like shes in a place of repressed shame and trauma. She’s got a lot of room to to grow. You’ve got this Caitlyn!

[@anaducksftw2520]

Mad respect to you Caleb, this is the type of tough conversation that I think a LOT of us could use on a multitude of fronts. Sometimes we need to hear hard truths from someone who we know isn't trying to destroy us. Hard truths are great if you're willing to learn from them.

[@noahgraves919]

I am getting heart palpitations from listening to her explain the most basic of stories

[@restingsmirkface]

This is why you shouldn't pay a writer by the word, but by the finished product.

[@lisad56]

I can’t believe she’s an English major and can’t explain her Situation clearly . Also she uses “like” and “uhm” every two words. It was difficult to follow what she was saying. She should have been in a better paying job if she went to trade school. Higher education is not for everyone.

[@teliahnicole]

⁠@@lisad56i assume that’s just based off of the nerves and vulnerability of the situation. it doesn’t mean she isn’t well spoken, she just seems embarrassed and anxious about her own situation and can’t get her point across as well

[@livierae95]

She seems super sweet and overwhelmed. I wish her all the best, and I hope she can get out of this bad situation.

[@ox0cherrybomb0xo]

I feel like they should have cut for a minute, let her write a brief summary and maybe a flow chart for the whole car debacle, let her have a glass of water and compose herself, then resumed filming. I have a stutter and it's mostly not a problem but it tends to pop up when I'm nervous, sometimes I have to just say, "give me just a moment." and take a pause to collect myself. Bless it.

[@y0utuberculosis]

I agree, I'm not sure that it's a stutter but just a lot of overwhelming information and emotions that she's trying to parse out. but yeah it might have been better to write things down so Caleb could prompt her a bit more and guide the conversation.

[@maeganfarrell]

I almost turned the video off because I can’t follow and my ADHD was not allowing it. Came to the comments and see that I need to just stick it out and hopefully she can keep a thought together.

[@MadisonFalcoFoods]

Yeah a breath would’ve been good

[@ox0cherrybomb0xo]

​@y0utuberculosis Oh yeah, no, she's not stuttering but I wanted to point out I wasn't criticizing her because I relate and empathize!

[@ivana5618]

Very true. I think Caleb needs to start implementing letting them have a break mid way if they're emotional but I guess that would also risk them just leaving Lol.

[@Shanofff]

I just want to give her a hug. My heart hurts for her and her situation. So glad she was able to come on the show and hoping it helps her down the line. Great job adjusting how you interact with her, Caleb. Its hard feeling so delicate.

[@kjwworldwide]

I am proud of this young lady just for coming on the show. You are helping other people and i hope you find success.

[@angiehernandez7671]

Caleb you were awesome today. I really appreciate your concern for this young lady.

[@barbaraleszczynski2214]

Caleb has a good heart….he’s clued in on her anxiety and is being gentle with her! 💕

[@ljDex]

I want to hug her. Her anxiety is so heavy.

[@benl6328]

Get a lawyer and sue the company responsible for the car that crashed. Criminal negligence is a thing!

[@DevHazy]

This

[@adamseidel9780]

She wouldn’t be suing them for criminal negligence, but she should sue fo sho

[@veryfrozen3271]

@@adamseidel9780 such a big risk and it involves time and money invested. I dont think she has the power to find a quality lawyer but i agree it seems shes getting fked and it sucks ppl get fked over by greedy companies 24/7

[@adamseidel9780]

@@veryfrozen3271 Not necessarily a risk, in a case like this it would be ripe for lawyers to take at risk for a big percentage of the settlement. A consult with a good personal injury attorney or two would give her a good sense if it's actionable enough for them to take the case. It was at least a couple of years ago though, so the ability to gather proof or statute of limitations may be becoming a problem.

[@intensifier1346]

Nothing was wrong with the car. People that don’t want to take responsibility make stuff up.

[@Oliviaandtrina]

Poor thing. So much pain she's holding in, she's so desperate to keep it all together. Especially about her parents. She's working so hard to protect them, it gives me the vibe that there's some abuse that has gone on or still does. I feel more sympathy for her than anyone else on the show. I hope she knows we are all rooting for her.

[@powercourageandwisdom]

@Trina - I disagree. She even said that her mom wouldn't make her pay rent when they brought up food cost. I think the only problem is that it affects her love life. I do believe there's a freedom issue that she's experiencing. But it probably has something to do with the things that she's allowed to do under the roof of her parents.They probably don't want a boyfriend spending the night in their home, sort of thing. They may not approve of him. Maybe they don't like the way he treats her. When you live in somebody else's house, you can not expect to have the freedom that you want or even compare it to having the freedom of your own place. You can't live freely as a 27 year old in your parents' house. I mean, she can't bang her boyfriend on the couch in the living room because it's her parents' house. Plus, you don't know how far her boyfriend is even pushing her. He lives 200 miles away from her and her parents. Her parents probably don't let him spend the night, so that might play a little bit of havoc on her trying to maintain a relationship with a man. Their house, their rules.

[@AFFTFOMSICHTS]

@@powercourageandwisdommy dad would never make me pay rent but he’s such a d*ck. I love him but he’s emotionally and verbally abusive. Believe it not, Abusers can have some good qualities too. You’re right tho, you don’t have the freedom you’d have in your own place. I personally wouldn’t even want to bang anyone in my parents house period. Whether they’re ok with it or not. 😂😂

[@milkflavored]

@@AFFTFOMSICHTS This. My parents are amazing but there was a time when one was very abusive (verbally / mentally) and that can weigh on you. Especially when you already feel bad about yourself. Both things can be true. But I hope she’ll be able to find a way out and get some resources that can help (like getting a certification or selling the car)

[@cheesecurd100s]

​@@powercourageandwisdom yeah my parents wouldn't even let me bring another women into their house over night and I'm 40 lol. I'm sure it's tough to raise someone for 18 years and then let go of that parental role.

[@Oliviaandtrina]

​@@powercourageandwisdom k but a lack of freedom wouldn't make you emotional to the point you can barely hold in tears, and are clearly experiencing extreme emotional distress. All while trying to hold back what is making you upset, which is what victims do. Just because her parents let her stay for free doesn't automatically mean they aren't abusive. In fact that could literally be a tool of their abuse, so they can hold it over her head and make her feel like shit. You seem to have a very misguided understanding of abuse, and what it looks like. Everything you said to disagree proves literally nothing.

[@journeytolaughtale1393]

It’s significant that her situation moves her to tears and she’s processing the situation rather than making it into a big joke like a lot of the guests have. It shows she’s dealing with the pain instead of using avoidance behavior.

[@user-lt1jd1ye3v]

True!! A good therapist helps with this too

[@michelles420]

You got this girl! Thank you for being so vulnerable and brave.

[@IrishMist640]

Trauma is real. I hope Caitlin gets the mental health help she needs. With help and skills she can get her life back on track. Wishing her the best.

[@juanseaforth5111]

Yes unfortunately I don’t think she is well really hoping she gets the help she needs

[@PrimericanIdol]

@@juanseaforth5111 Shut up. These people don't need help. They're not willing to get it to begin with. And if they're forced into it, they'll react badly, and relapse by doubling down on their self destructive behavior.

[@katie8325]

@@enricopallazzo3244 you seem proud of your complete lack of empathy. Weird flex.

[@IrishMist640]

@@katie8325 Thank you for saying what I was thinking. 🤔👍

[@hydroxide5507]

awww, poor baby was checking her instagram or tiktok and crashed the car.

[@stormviking010]

Caleb was so caring with her. She seems like a sweet girl. I really hope she is able to get some therapy to deal with her anxiety, which could be contributing to her struggles with expressing herself clearly. She seems to live in fight or flight mode, which is not unusual with deep family situations and a near death accident.

[@funnytime1111]

FYI, if this “contracting job” is dictating her hours and requiring her to work under certain conditions (coming in to an office) that is not contracting, that is just being an employee. Aka they should be withholding taxes from her pay checks and giving her sick days and other employee benefits depending on company size. She should really fight them on that and if they don’t fix it report them

[@isabellev9071]

Or just leave, but not without a safety net like a new job already in line.

[@arh1234]

Unfortunately, this happens a lot in the US. On the upside, it's giving her experience so she can be hired at a better job.

[@Duhclay]

@@arh1234 but that’s all from her effort… if she gets a job from the experience here it’s because SHE did it. The company she works for doesn’t get that credit while simultaneously breaking the law in an obviously immoral way. Wtf?

[@LivyTresa]

Their is no law against it. I had a similar job to this where I had to drive to them to do the job. And yes they provided zero benefits. But that doesn’t make it illegal.

[@Padraigp]

I think it is contracting. She works for herself and they contract her to work for them for whatever hours they want her for at their location. Just as you would contract a builder to come to your place and build a wall and dictate the hours you want them to be on síte for. You either agree to that contract or not. She agreed to her contract. How would it be if they had no say how many hours She worked or whether She came in or not? Then she could just show up for an hour on tuesday? That would make nó sense.

[@Susan_McG]

Caleb is tough, but fair, & really wants to help her. I cry easily, too, so I understand her nervous smiling. I wish her the best!

[@missshannonsunshine]

I am 23 and so thankful for this. Thanks Caitlyn!! Bc I was about to go down the same road out of desperation

[@user-lt1jd1ye3v]

Which road was that? Teaching abroad?

[@blackbirdsnoop6301]

1. Really appreciate that she had the courage to sit on that seat. 2. Love the professional way Caleb handles emotional parts. Financial problems are always intervened with other stuff. And finally i hope we will see a follow up from her, maybe in a year timeframe, and see how she made it. That would be encouraging.

[@PaintedPears]

This girl reminds me of me- the car trauma, the graduating with no concrete plan lined up, teaching english abroad to escape your problems, living with parents, all my story! What helped dig me out of the same pit she's in is finding a well paying job I was proud of doing, which is way easier said than done. I did find it through freelancing though so I would encourage her to push forward with that while working that second job.

[@milkflavored]

This this this. I think she needs a confidence boost and I know having not finished my degree, getting a decent job made me feel like I hadn’t completely failed. I still have a way to go, but setting achievable goals would help her immensely

[@PaintedPears]

@@B3gonias I was applying to a lot of jobs I was interested in and after one interview for a full time position, they went with another candidate but told me to stay in touch as they do have freelancing opportunities and liked my interview. So that did turn into freelancing after a few months. So you can look at interviewing as a form of networking even if you don't get those full time positions. For some context I now work in curriculum writing and development, could be different depending on your field.

[@peps1943]

Omg did I write this?

[@dexterrity]

Factors such as low self esteem, anxiety, stress, being highly self aware, and being filmed will do wonders to make a person self censor their own thoughts before they can express them as words. I'd say that is what we are seeing here, and I'd guess she would be a normal chatty self in another situation. I'm not even halfway through and I just feel sorry for this girl and can feel her struggles. I wish her all the best for working towards a better place in her life: financial independence is a great step towards having the freedom to make your situation right for you, though its not the only work that needs to be done. 5 years ago my situation was pretty poor at 27 years old with no degree, now I've graduated and have been financially independent since

[@inbracedefeat]

I am also a transfer student into UC Berkeley. Go bears! She should be demanding so so much more for her time/skills. She still has the community college mindset! She can do this I know it.

[@slayer2580]

Hey Caleb, I started watching your videos not too long ago and it made me take a hard look at my financial situation, most notably my retirement. Since watching your channel, I maxed out my Roth IRA for 2022 on the last day of tax day, and then maxed out my Roth IRA for 2023 the very next day. I've also aggressively adjusted my 401(k) contribution so that I'm on track to max it out this year! Realizing that I was far too comfortable stashing my money in a bank where it loses value made me take the leap of getting one step closer to having real control over my finances. Thank you!

[@yourethewooorst6982]

This person needs help. I don’t mean that in a judgmental way at all. I have been in a place myself where I felt like her and I can also say it feels so good to be on the otherwise of that, too. I really hope she gets healthcare and gets into therapy as soon as possible. It gets better.

[@meishamom7298]

Caleb is so good with people; it’s tough love that young adults need to hear; This young lady at the age of 27 needs some help- she is emotionally not grown up yet; there is some major trauma there. Feel so bad for her 😢 - the smiling seems to be coping; coming on might be a step in her seeking help and knowledge; young people do still need people with wisdom to guide and help them in basic life skills; her parents are definitely not there for her.

[@ilopezc]

The "I shouldn't have come here" I felt that, I bet her parents beat over her head about her finances.

[@whfh178]

About anything and everything, it sounds like she desperately needs to get out of that house! Poor woman, she didn't give that much away but I can see why she gambles.

[@JonB516]

Well if you’re 27, moved to California to be with a friend and get away from your parents, went to an acclaimed university, went abroad for nothing and came crawling back to live with your parents in your late 20’s making $11 an hour with a UC Berkeley degree and expect to live rent free/as you were when you were a child. I would be too. It’s a slap in the face tbh as a parent for a child to run away and come back expecting to be loved,

[@psplayer7837]

@@JonB516 agreed, she made her all these decisions on her own without seeing how it would be in the future, play stupid games win stupid prizes

[@tpk1412]

​​@@JonB516insane to me that yall watched this video and didnt pick up on the fact that her parents are likely abusive. why would someone be so uncomortable and deflective when repeatedly asked what exactly their home life was like? why would they run away from home at the first possible chance and then run halway across the world to peru when that doesnt work out to avoid having to go back home if that home was a good one? TLDR; you say its like a slap in the face TO her parents, i say shes probably been slapped in the face BY her parents

[@tpk1412]

​@@psplayer7837 read the comment above for context. she wasnt playing games, she was trying to eacape; there was no plan because her whole plan was "get the hell out of here and figure it out". when you live just hoping to make it through today, every day, its kind of hard to prepare for a future youre not sure youll ever see

[@Wheelsky]

I can't even watch this... her energy is stressing me tf out

[@luvlui3]

The only episode I couldn’t watch, 😳

[@Anniekitty1016]

Everything about her screams stressed tf out.

[@moneywastedcollecting]

I wasn't sold on this channel at first but now love it man, it grows on you, so good.

[@ald4911]

I just found Caleb and he is what I needed! I realized I’m not as bad as some of these people but definitely need to buckle down😩Love the brutal honesty.

[@austinlifts3654]

You can easily see she’s got some form of anxiety within the first couple of minutes. Her story has me lost. I know she probably didn’t want to go on here, but proud she did

[@musingsofanoobtrader3300]

Awwwww, bless her. I want to give her a big hug!!! She seemed to take it all on board which is refreshing. Would love to see her update in a few months. I am really hopeful this girl will actually turn her life around for the better, she seems to be the type that will :)

[@Bmmrl]

GIRL YOU GOT THIS ! We may have got a degree for what we are passionate about, but the income matters! I hope you can find a better job to pay off debt and to find a better living situation. Rooting for you!!

[@user-lt1jd1ye3v]

❤️❤️💚🌲🌿🌱

[@sloancp3739]

Sending her a big virtual hug because she seems like a genuinely sweet person who was dealt a sh*t hand. Really rooting for her ❤

[@dandinhofer9240]

I almost wanted to cry alongside her. Caleb pushes and pushes but thankfully - not driving her into a corner. By all accounts this woman is in desperate need of mental therapy. I can see her in a room sitting in a circle with others and confessing to personal family trauma. Her behavior is like an open book. I hope her better days ahead.

[@AusWash]

HERE WE GO!!!

[@munashenaomi_6350]

I’m 4 mins in and I can’t get over the giggling 😅😅

[@crazyjavi1]

Thought I was the only one she’s a terrible story teller

[@athrunzala798]

The amount of "likes" for an English major is concerning

[@littlemissmucinex]

I dont know if I can watch this. She's insufferable

[@j.asmrgaming1228]

@@athrunzala798 eh she may have specialized in the written form as she is a content "writer". I know plenty of people who are really awkward/bad at speaking who are eloquent writers.

[@marcellom]

Same I'm waiting for her to burst into tears.

[@Teddwardify]

This is for sure the only guest on here that I have felt really sorry for. Her escapism with the lottery tickets is so relatable for me. I really wish her all the best.

[@zaprowsdower7664]

She seems so authentic and sweet. Like I know the world would be better with more people like her.

[@TheSUPERHAPPY1]

This is why it is *so* important to have the ability to financially support yourself. If living in an unhealthy situation, having the finances to move gives a person options. Having options is very freeing. (even if the options aren't taken, just knowing the option is there is comforting)

[@hola8406]

So true

[@cindylou20916]

I will be honest, I'm 5 mins in and it's really hard for me to keep up with what she is trying to explain.

[@502frank7]

You should interview someone who actually has a good hammer score. I would love to occasionally hear stories of people who have done things right and learn from them as well. Also curious as to what you would give yourself on the hammer score?

[@CalebHammer]

I’ve done some! Maybe next week. I think I’m a 7.5/10. I want to get aggressive with my stock market investing as the vast majority of my net worth is in rental properties

[@502frank7]

@@CalebHammer Thanks for the reply! I know there have been a few with good scores just seems they are few and far between. But always great content nonetheless!

[@abefroman1986]

​@@CalebHammer I probably have a pretty good score . From MI as well I'd love for you to audit me

[@SUNSNROSES]

❤🇵🇪As a Peruvian living in the United States as a citizen of both countries, I want to thank you for the job you have done as a teacher. Hablar y aprender ingles es difícil let alone speaking it to teach someone else. Caitlyn you are at a great age to recognize the mistakes that you have done and they are nothing but that mistakes that you have learned from. I read your comment and I’m glad you said something. Read a few of the comments below as well… and I just wanna say one can still learn something from the video even if you are in a good standing financial situation. Life throws curve balls every once in a while to everyone ,listen to gain knowledge. Thank you for putting your situation out there Caitlyn, without you even knowing you might be helping someone else out. As for income I do suggest getting something immediate getting out of debt isn’t a forever thing unless you want it to be that way. Work hard and make the extra “monies” as Caleb would say and it should take care of it. Sell clothes and please don’t cook anymore for the entire family that will make holes in your pocket. I wish you nothing but the best and I’m already looking forward to your return on the show. You did great❤ Camera’s are intimidating a bit, but you looked good girl 😉 no worries! Blessings to you and thanks Caleb for another great video🎉

[@lavendercait]

Muchas gracias! Voy a trabajar duro. I was worried I came on at a wrong time and should have gone on later, but it is what it is. El futuro es brillante. Además, me encanta Peru!

[@TromboneLoki]

She should definitely look into being a technical writer for a business. She could pull 60k a year easily with the right company

[@LBellatrix]

I replied to Caitlyn above with this exact suggestion. I’m coming up on 28 years working in tech comm, and I too started out with an English degree.

[@kiyavi]

💯

[@gaylepeeples9749]

They are in high demand.

[@LiamRussell32]

Love the channel. Would like to see some examples of people who are good with their money!

[@CalebHammer]

We’ve done some! Might do one next week

[@estefaniag5281]

I can definitely see a lot of parts were cut out of this to protect her family. hope she gets out her parents house soon, it’s very sad but common that this happens.

[@EvanYoungMusic]

I was in the same situation years ago. It took me 5 years to get out by myself. No help. I didn’t get to move out until I was 32. I’m 34 now. There is a light at the end if you want it.

[@kristikevorkian8795]

I appreciate how you take into account how mental health / life stress can play into these situations & encourage people to deal with that right away instead of putting it off until they are out of debt even if there is a cost.

[@kaylingalewitz]

Thank you for sharing your story 💖 we’re rooting for you

[@banterwithbawden5444]

Hey this is weird but initially this comment was hidden by KZbin for me. Not kidding. No idea how this could be controversial

[@margotk538]

This poor girl has a tough situation. Although some of its self inflicted due to poor planning. A few thoughts: 1) Her current ad agency is taking advantage of her junior experience level. If she needed the experience, maybe just stick with it for one year and get out. Meanwhile, she should get a part time job outside of a 30 hours work week to write more content or just any jobs to increase her monthly income.

[@TheBullyDisciple]

Yes so tough. Doesn't work 40-50 hrs a week n lives with her parents @ 27 n doesn't pay rent. 😂😂😂

[@potato1084]

@@TheBullyDisciple Can you not? She clearly has a really shitty home life and is dealing with a lot. Some people would rather live in their car homeless than live with their family regardless of whether they pay rent or not.

[@TheBullyDisciple]

@Potato awww poor girl, she's 27 n doesn't pay rent or work full time. She's fine just doesn't like her parents trying to push her out the house to start a life of her own n stop mooching off of them

[@starrwinter]

I know the giggling is a coping mechanism but man… time to go get some counselling / therapy as definite stress in there from the situation 😞

[@sarahmc8309]

100% ur change your life once y get there ! I was in several care crashes and one when pregnant and it changed my brain so bad I seeked help and therapist was life changing once found right one that was trauma informed ! Game changer !

[@dane.5360]

This is a mental health emergency as well as a financial emergency.... It is hard to have sympathy for her situation, but this is why we have Caleb to stay rational and emotionally stoic. ❤

[@savvyjo3511]

This girl seems so sweet. I hope the best for her. Give it time. I know you’ll make it out ❤

[@katie8325]

The lack of empathy and understanding towards someone clearly suffering and is fragile in the comment section is deeply sad. Clearly all of the people criticising her would be extremely articulate and polished if they were in her position 🙄 so easy to criticise from your smart phone.

[@user-lt1jd1ye3v]

Yeah and I’m sure they all bring in 100k a year too 😹😹😹 Yeah right. There’s no way their lives were perfect at 27 (in their dreams)

[@ClayDoghs]

I wish this girl the best. It seems like shes had a really tough hand of cards dealt to her and shes really having a hard time handling it. Shes clearly trying and the world is crushing down upon her regardless.

[@andrewparry7300]

I wish the best but the last line is a victim mentality. She can do it. The world isn't against her.

[@elizabethallen4353]

@@andrewparry7300 agree - she needs to learn to trust herself, know that it's ok to make a mistake and that she has the resilience to bounce back. I'm guessing that when well intentioned people tell her to buck up! and go for it! it scares her even more. Mental health support would do her a lot of good.

[@uuvlv9605]

When you get a bad hand dealt you have to bluff and make everyone fold

[@hydroxide5507]

correction. she is white, a female, in a 1st world country. if shes messed up this bad? all her fault.

[@brianwaller7383]

@@hydroxide5507 yep I was a ward of the state till 18 when I aged out. I had to figure out life all by myself. As a male I didn’t get free hand outs like women get in terms of grants, government assistance etc. all a woman has to be is average looking and get simp men to give them money.

[@w8ting4fri]

2 mins in and she’s already about to cry. This is going to be an interesting one

[@marissathomson1480]

Caitlyn, you are in my prayers❤️ Stay strong, you got this girl👍❤️😊 Thank you so much for helping her Caleb!! You are doing a great job! You have opened my eyes up as well to make a better future for me and my kids! Thank you😊

[@jack073]

Been watching these for a while and I’ve never wanted someone to succeed more. I truly hope this helps you get into a better position.

[@TheEnvySinn]

These come out during my lunch breaks and it’s turned into something I look forward to during my work week 🤣

[@stormviking010]

6 minutes in and I think Caleb has given up on learning why she owes on the two cars. Like pulling teeth.

[@Palomitapalomita]

Right? I've never been so frustrated listening to someone try to talk.

[@rebeccashields9626]

Yeah it is frustrating to deal with people like that! Just say what happened. I imagine her style of communicating is really a problem in interviews or at work and would certainly help explain why she is making just $16 per hour at 27.

[@bobbyheath2474]

​@@rebeccashields9626She's gotta work on her anxiety and see about medication if it can't be fixed without for her own personal growth.

[@Angel-fr6ug]

@@Palomitapalomita literally

[@sarahb8073]

Damn these comments are harsh. She clearly has severe anxiety and cameras make that worse. It's like hounding on a person for a stutter. She even said at one point, I shouldn't have come on here and I felt for her

[@kiefdemon1979]

Her speech patterns make it hard to stay on track of her story. I hope she can get to a place that she feels safe and comfortable both physically and mentally.

[@AFFTFOMSICHTS]

I feel for her. I was living with my dad for a long time (long past the age of it being socially acceptable) bc I couldn’t afford to move out. I always had a job or more than 1 job but i was so depressed I’d spend money to cope. Also all of my friends were mooches which didn’t help. The cost of living where i live is insanity. (1725 for a 325 sq ft studio) and no, it’s not a major city where you’d assume it’d be that high. He was very psychologically, emotionally, and verbally abusive so I see her pain in her face. It’s a nasty rut that’s hard to get out of especially when you’re struggling with your mental health but you have to refocus & keep the goal in the back of your mind. I stopped leaving the house when I wasn’t working so I wouldn’t spend any money and just stayed in my room and saved as much as possible. Leaving the house = spending money. At least for me, so when you never want to be home you’re basically just spending money daily. I did extensive research on mental health, abuse and toxic family structures during this time which really helped. I don’t know her situation and hoping she at least has her own room where she can have a safe space while she saves up.

[@michellecd4722]

@A FFTFOMSICHTS I hope she sees your comment. I'm not sure if she'll see mine but I offered her free life coaching.

[@michellec.9852]

Socially acceptable to live at home is like 40 now. No one can afford to live!

[@kaydublin5164]

I love this guy, he cares so much about the “whole” person, it made me cry.❤

[@GaryMS]

I feel for this girl. You can tell she has a heart of gold just a bad situation. Rooting for her more than anyone ever shown on the channel