27-Year-Old With More Debt Than Anyone Should Ever Have | Financial Audit
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- čas přidán 19. 01. 2023
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A lesson that has stuck with me; 5 grand is not a lot of money to have, but its a lot of money to owe
thats SO TRUE
This is a great thing to know though, I'm glad you found it out d
True!
Facts
*it’s even more money to owe
The IRS got their new favorite podcast
😂😂😂😂😂😂😂😂😂😂😂
@@kansashoneybadger7899Thats fucked up, do you have a tax accountant? As a small business owner you may also be eligible for government benefits and programs. If you use these to your advantage, along with making smart use of tax deductions and loopholes, you may be surprised at how low your effective tax rate could be. Good luck on your tax avoidance journey 👍👍
Dingbat😂😂😂😂😂😂@@kansashoneybadger7899
Right?! 😂
Right? I'm sure they would like to know her disclosed business type is incorrect. She's actually a porn actress and escort. This spiritual life coach is a cover/ euphemism. Shesuz is her name. Her 'spiritual coaching' sessions are sex with her if you aren't into just watching her videos.
That “mmmmm” is going to be stuck in my head for the rest of the day…
I keep watching this clip just to see her do mmmmmh
@@buckrogers-lk3yr why??? It literally hurts my brain
20:55 That is the best line I have heard in a long time! "Don't make fun of the laugh, it's the normal coping mechanism when someone is confronting you, so it's okay." That is just golden!
Can we make fun of the “mmmm”?
This woman is the living embodiment of Austin... from the hat, to the life coaching, to the hat and then there is the hat
LMAO hilarious, drastically underrated comment
Nothing wrong with a nice hat in and of itself.
Best comment I've seen in a bit.
I live in Austin and I agree
And the part where she’s been living massively over her means
Every “MMMMMM” is pushing me one step closer to the edge
😂😂😂 me too
Good.
Mmmmmmm with the crazy smile
hhhhmmmmm 👁👄👁
It’s a dismissive. She’s saying “mmm” to acknowledge what he’s saying but knowing she isn’t going to do it the way he’s saying to do
The pure dread on her face when he said "Kroger" was absolutely amazing.
To be straight up, a shopping trip would be a fun episode to watch.
I feel like it would be beneficial for a lot of people too see what is possible.
True! I spend far less, cook less, and eat more healthy food than most people around me.
Stir fry (light oil), rice, soup, oatmeal, potatoes, salads...
These are the kinds of things you can prepare quickly or meal prep huge amounts of, and they all taste pretty good and are good for you when balanced!
I eat plant-based and try to follow a healthy lifestyle as well. People often comment that eating this way is expensive or elitist. it can be very expensive if you buy a lot of specialty products. But actually, dry beans, whole grains, and in-season on-sale produce is cheap AF. And it is the healthiest diet for the people and the planet. She can easily spend way less than $500 per month for her alone to eat an extremely healthy diet.
She's a great life coach, she's shown me I will never need a life coach and she charged me nothing, great value.
This bitch is adorable!
@@15751Chris she is acting cute and you fall for it. Hope you have money coz she is high maintenance
She expects people to listen to her coaching but won't listen to another's?
Her debt is t even that bad, suck it up and be free in half a year.
You know, that's how I learned the most in life: By looking at people doing dumb stuffs and by just not doing the same.
She's no life coach lol. She does porn, escorts, and other shit.
"Not having an emergency fund is an emergency" hit me really hard.
me as well brother
I consider myself very financially literate and have never taken on debt except for my mortgage, but I have never understood the need to kill money in an emergency fund. Perhaps because the markets have been extremely strong for the past 15 years since the great financial crisis and fortunate that I havent really had any crazy unexpected emergencies that blind sided me, but I think the opportunity cost is too high when you consider that emergency funds can greatly compound for you at the start of your financial journey. It's better to get that fund working harder for you because over the long term, the chances of those funds being down are near zero. The further you run, the bigger that emergency fund will get. Learn to use that credit card properly and have that for your emergency, then pay it off right away. If in the short term you are down 15% to even 30%, so be it because that will only be a short-term thing. Historically, the markets return 9%, so shouldn't you stick with that
@@cheynebest7028point is to do both. Have available cash on hand to protect against anything catastrophic but only to a certain point. Once the fund is there - invest everything else. High yield savings can get nearly 5% and the cash is available immediately. Tying ALL your money up in investments is risky
Same
@@cheynebest7028what
"healthy eating" according to your spirituality can be the cheapest food available!!! Beans, lentils, rice, whole grains, and tofu are some of the cheapest foods you can purchase. Slow cooking means more time for your work day.
I'm here for that bonus shopping trip!
An instant pot is the easiest damn thing to make easy fast meals you can make yourself and have the pride of making it yourself. You can literally just google top pressure cooker recipes and make great meals that last days when made. Set aside literally an hour or two each sunday and throw some vegetables and a protein in a pot with some sauces and spices and you got a stew or soup that lasts days
Tofu ? Yuck, I’ll rake everything else and leave the tofu though . That way my testosterone stays intact… in fact
@@mindhackzinsta pot is the single best invention for single men ever . I can cook rice, beans and rice , egg, soups, steamed veggies , meat … lol. It’s amazing
The first thing I wanted to ask her was “Where in California did you live before moving to Austin?”.
I’m from the UK and I thought that 😂
People in Austin are just like Northern California.
She’s in the influencer trap. She has to appear successful: nice car, expensive food, clothes and apartment to sell her lifestyle so others will want to copy it and pay her for her secrets.
Of course the secret is…credit card debt.
Ding ding ding
It’s fucked out there for some of these people. It is real easy to be gullible and fall for these guys, I’ve been there.. pay for courses that offer nothing .
This influencer (I hate that word) lifestyle is grimy.
BOOM💥💣 also isn't life coaching a form of therapy used by a licensed psychologist/ therapist how did this became something anyone can pick up on weekend course?
Am sure her insta is full of pic’s about how she only works part time as its good for her soul and yet because she follows her passion she has this expensive lifestyle she can afford - while helping people.
Girl is brave for coming on this show and not only confronting her own financial status but doing it in front of an audience... but man, taking life coaching from a 27 year old? Thats rough.
Life coaching at all...that shit is ridiculous.
Can't swing a dead cat without hitting a life coach.@@chaudx
I know a lot of 20 year olds that are smarter than 40 year olds.
@@bolt7047point is, she's not one of them.
Its bedroom coach... her website wa transparent in this fact
Who else is here because of Abba And Preach ?
Watched their video this morning, I am now addicted to Caleb Hammer's content!
Legit 🤣
here cuz of a&p and some strong black woman called destiny (?)
Yep! Heard of this channel, but never knew the name.
🙋🏻♀️
Is there a follow up to show what she actually did and where she is now? This is mind blowing 🤯
Her current insta bio says she has a multiple 6 figure bizz now
@@RosadeBoerwhat is her handle?
@@southerngraceglamour sheeesuz
@@RosadeBoer She claims a few months ago, "I got out of debt in four months in what he said would take 4 years !"
I was worried she was being irresponsible and wracking up debt carelessly, but then she said “Clearing the Debt” was on her vision board so that put me at ease
I was waiting for this comment 🤣🤣
Me too. Vision boards are powerful life-changers if you have a plan.
@@deathsoulger1 I've got get longer and more girth on my vision board...no luck yet though :(
@@herpiegerbstick6808 bro 🤣
😂😂😂😂😂
This woman is the ideal consumer.
she's doing wonders for the U.S economy
Which is why there are so many initiatives by the government and companies to push women into the workforce. They will spend more of their income on useless crap.
@@Championeddnot really, she isn’t producing anything valuable.
Creditors salivating watching this video lol
@@SniperKingz Not at all. Lots of budgeting programs are focused on buying less takeout, finding cheaper options for beauty luxuries, and generally targeted at women in general. There are very few options telling men to stop buying expensive sports channel packages or stop going to shows or slow alcohol consumption. Men are still the ideal consumer because they are traditionally not taught to budget.
Realized I’m exactly like this woman. 29 years old, I make around what she makes a year… but totally in the same mindset. Decided to make a change earlier this month and just now saw this channel via an Abba and Preach video. It seems like a godsend!
A pure re-enforcement to make that change financially and mentally.
I know this comment is a couple months old at this point, but I just wanted to say that I am rooting for you!!!
I doubt she is making what she says she is making though.
She is great at deflecting and framing things so that she shift her reality to the one she desires. Defo sth i wanna learn fr. Taking her service soon.
Sounds like she could pay the life coach
Very upbeat though. Very positive
The fact that she’s giving OTHER people life coaching advice is absolutely terrifying 😳
She saw other coaches make 40k a month so that's why she was drawn to this profession, disgusting person, no real intentions to make peoples lives better, just greedy .
@@jamieberger310 uhhh no..... because if you don't lead a healthy life yourself, you are simply passing on your own toxic and negative behaviors to people in need who are coming to you for supposed "help". before trying to get paid to help others, you need to get your own life in order. "do as I say, not as I do" is not a viable business or life strategy
@@jp92382 didn't she say she was a spiritual coach? I don't think her course gets bought to tell people how to spend money
You know someone’s “career” is a rip-off when they have trouble explaining what it is…😂😢
@@jamieberger310 sweet Jesus no one said that. The whole point is you have to put the oxygen mask on yourself before putting it on for others. Damn near impossible to be spiritually secure while you’re a debt slave. Her self admitted fact that she’s averaging 6,500 a month, doesn’t have her bottom line under control, and only got into it bc influences SAY they make 40k per month screams valid materialist and not someone grounded spiritually. Her God is money
How in the world can anyone pay a 27 year old to be their life coach? That's like asking high school graduates for retirement advice.
@@alvaro_espinoza right coach of sus
@@alvaro_espinoza Nailed it - she cant even describe what she does in any concrete way. Do you really think this woman can put together a business? "Friends give her money for taxes" "A friend does her taxes and they trade services". Does she really think a life coach is making 40k a month?
@@alvaro_espinozareally? How do you know that? I Google her, just found life coach bs.
Edit: nvm, just Google "Shesuz" lol
It's like asking a homeless guy how to get rich...
@@jhyland87 You a real one
How did a dealership convince this woman to pay 45k for a Rav-4? That is atrocious😭😭
The salesperson probably saw what an airhead she is and decided to take advantage lol
They're pretty high
Brand new RAV4 Hybrid Premium 2024 costs about 46K in NJ, and I had to wait for mine for almost 3 weeks - not all colors are easily available. Then we add taxes, fees and stuff - voila 50K bill. In Texas it is probably cheaper...
@@SorciereRougeYep, brand new 2023 RAV4 was like 43k in Ohio. They literally got two in an hour before we stepped on the lot, had already sold one and had another family looking at the other that we acted faster than. They are highly demanded right now
She’s EXACTLY the ideal sale for car dealers. Zero knowledge or ability to haggle. Guys on the lot were probably fighting each other to get to her first.
So refreshing to see someone just be brutally honest. Kudos to you. Loving this content
The privilege is unbearable. It’s unfathomobly unfair that someone could make so much money, only work 5 hours a day, and still can’t be bothered to cook a meal or pay taxes. It’s wild.
Why don't you call or write your representative to stop lobbying and having corporations run our country rather than us ?
If you want to be rich in America u have to steal it, be an attractive female or be extremely lucky
Should be noted she makes that money pre tax. She probs only makes 4k a month on avg.
She's an escort.
@@lukespalding6638 except she’s not paying taxes remember? Lol she own her business so it’s not like a paycheck that gets taxed. She’s getting an average of 6.5k a month and spending it all. She’s crazy. You can already tell she didn’t understand a word he said. In one ear, out the other. She’s just going to continue this mess.
Right!!!!! 5 hours????? And I bet she doesn’t work sundays!
Life Coaching is a scam.
as soon as i heard that i knew this shit was gonna be good💀
noshit
💯
It's funny how life coaches have some of the most screwed up lives.
How can she coach if her life is a mess....
1) Mint Mobile $15/month
2) Stop drinking
3) Stop wasting money at restaurants.
4) Don’t use credit cards
5) Don’t pay more for a lavish apartment you really don’t need
6) Learn to budget
Credit cards and debt in general are an incredible tool as long as you are a responsible person
if you don’t use credit cards you make it nearly impossible to get approved for loans. Which means it becomes nearly impossible to buy a home, cars, etc. I would say treat your credit card like a debit card; only spend what you have. Not sure this girl is capable of that but its good advice for normal people that understand credit and untaxed income are not free money
use credit cards but 1-2 times a month, like paying for gas and pay it off immediately
I boosted my credit from like 600 to 780 in two years with casual usage like groceries and gas and stuffs. Credit cards are fine if you’re responsible and pay on time every month
@@xRainxBowxBritex That’s great! Yes, if you pay them off right away, no issues.
Every time she says Mmmmmm my friends and I are taking tequila shots 😂
Y’all gonna D I E 😂😂😂😂 she is so 😵💫
you must have gotten totally hammered...
Checking on you guys if you made it & survived :D
@@VancityAnu No they’re dead
@@limeOjello RIP hahaha
Damn, she just told the IRS she don't pay taxes. Wish her luck!
😂😂😂
FOR YEARS!!
Mindset of abundance
He’s so great to watch because he’s saying the things we want to hear him say. Straight up asking her about her ability to give advice when her life is so out of control. Incredible
Sex is "free", get married have tons of sex. How hard is this to get. Be a good caring person and make yourself attractive to any man and stop feeding your sinful material lust that puts things and experiences above people.
She’s at least in control of her emotions! Like damn I would have cried. I think he was hard on her because he knows she can do better and turn it around
@@myplaylists6310 agree! She seems to feel an appropriate level of “oh shit I messed up” but she’s keeping it together. Hope she turns it around.
I found that very rude actually. Her job is not a financial advisor. Even still many healthcare workers can’t follow their own advice so it doesn’t equate.
That was the only time she seemed to absorb what he was saying. She only works FIVE hours a day?! She can get a second job to pay off this debt. Maybe he suggests that later and I haven’t seen it yet …
He also literally used her pre-tax income when making the calculations at the end on how to pay down her debt. Her situation is much more dire than he even budgeted out for her.
Oh 100% although it doesn’t seem she is paying all of her taxes so she’s gonna be in the hole when the IRS hits her with the bill 😂
I adore the calling out and directness!!!
I'm impressed that she could explain what she does for a living with a straight face.
She claims to make $80,000??!? Yeah freaking right! Lol
@@Xxpianoplayerxby working only 5 hours a day???
@@Xxpianoplayerx you're dumb if you think that's not possible in the modern age. The most lazy and worthless people are becoming some of the wealthiest these days in the age of social media influencing. Idk if you aren't paying attention to reality or just coping , but it's not crazy at all to think that she could be a millionaire. Which she's not. But there are plenty of millionaires out there who do what she does.
Why? She’s very typically woman delusionally proud and braggy with these alternative type ‘hipster cool fabulous’ trendy jobs.
This is damn standard illusionary cool type self perception.
She doesn't really explain her job in any meaningful detail though
Caleb: breaks down EVERYTHING, gives her a plan, and stresses the seriousness of her situation.
Her: HMMMMMMM 👁👄👁
😂😂
Over and over
Could be she has a safety net or some kind of backup plan. As up front as she was I wouldn't be surprised if she held something back.
Someone said in the comments she charges 4k basically being an escort for one night so yea there’s that
@@Conssumed Thats what "life coach" means, i have a job, but im not going to REALLY tell you what it is.
Came here from Aba and Preach for the full vid, and oh man I love this guy and this show concept. I definitely needed something like this to snap me out of the stupid frivolous payments I've been making this past January.
Dang. He gives it straight. Good for him!
I have a feeling this is the very first time in this girl's life that she got put on the spot like this. She is also a poster child of why we need to have mandatory, comprehensive financial literacy classes in high school.
But if they did that then who would the bank prey on
I wish I took it this semester :/
This is a very stupid female , the education system in America has fail these youngsters. Is really sad 😔
@@someweirdguy5721 duh, why do you think they already don't do it? As politically supported as that would be from both sides of the aisle, you would think someone would make that known
As someone who went out of there way to take financial coaching classes in high school and have family members that are very very good with money who have coached me I’ve dated multiple women who can’t stop wasting money. And I’ve told them what they need to do to fix their financial issues but they can’t stop wasting money on going out and buying clothes and eating out. They seemingly can’t control themselves. Some people just don’t want to put in the work they like the “feel good”
I would love to see you re-interview these people in 6 months or so to see if any of them actually manage to do it!
You know the answer is 'no'. They'll feel really bad for a couple of weeks, maybe a month or two. Maybe they'll even make a genuine effort for the first couple of days. But it's not about radical change; that stuff just feels bad for a very long time and they'll ask themselves "what is the point?" or just justify their outrageous behavior to themselves and give up. Gradual change is where it's at, and it's too late for that.
It's never too late to change but the longer you wait the harder it gets
This video was posted 5 days ago at the time of me writing this and currently has over 300K views. I guarantee it'll reach 1 million views in a about 2 weeks. By then there's gonna be so many wealthy simps reaching out to her willing to be her sugar daddy. She has a "wet box" up top and down below along with a pretty face and very feminine. It'll be easy for her to get out of debt!
At 11:40 this basically tells me that she already has sugar daddy in her corner. "Trade"
Absolutely!
This was an incredible watch! After seeing you in CZcams shorts for a while, I’m glad I finally watched it
PLEASE DO THE SHOPPING TRIP!!!!
Girl has lash extensions, lip injections, and newly dyed roots. Shes hiding thousands of dollars in other routine charges.
Immediately noted the same. Lips are clearly fluffed, she’s clearly getting facials & esthetician work, her hair is freshly dyed etc
I give her the benfit of the doubt. She's wearing a hat and could have roots coming in. She also could have naturally full lips. Her eyebrows look natural. My eyelashes look like hers naturally with mascara
Those are not lash extensions, I agree she probably has cosmetic charges tho!!
This B be a H
@@duc25xrthose are not natural lips
Who ever takes classes or goes to this woman for spiritual advice, I feel really sorry for you. She LITERALLY just said that she started doing this because she saw other “life coaches and gurus” making a lot of money from it.
Playing devil's advocate, it doesn't mean she didn't learn or whatever you need to do to be able to do it. She could be good at her job but I think the whole life coach concept is stupid so who knows.
@@216cle That's possible, but I'd be hesitant to trust a life coach that can't be happy by using her own yoga methods, but instead finds her joy in spending money.
@@brandonwc exactly why the whole idea of the industry is stupid.
She must live in California. In most of the country, people wouldn’t pay for this dubious service.
It's stupid hippy shat and it only works, b/c he's in the California of Texas.
I like you, no bullshit and no tip toeing, tell it straight up like it is straight honesty. I have nothing but respect for that, imma sub. Luckily for me, I've always thought this way of going "unnecessarily" extreme at first so you can be comfortable eventually so I'm not in these kinds of positions but it's nice to learn from other people's mistakes. I'm Subbed now
This also seems like another case of people saying they wanna be stable or rich but they're not willing to make the sacrifices to get there so they don't really want it. I had a lot of sympathy for her at first but in the end she didn't seem like she's serious about this so it's difficult to take her seriously. For her sake hopefully she can just put her head down and do what she needs to do because she needs to realise, 6-9 months is really not a long time to go that hard for, especially considering tryna get out the hole she's in and she's lucky she's still single and by herself so she doesn't have as many responsibilities. She looks like she's just gonna walk out and carry on with the same bs
Great episode. You truly are doing gods work for the people. Your honesty and advice will really help this woman along with many other people watching this episode. Thank you. ❤
It would be cool to have those from older episodes do an “after 6 months”, or a year, episode to see where they’re at after hearing Caleb’s advice and if they’ve made any progress.
I have been wanting this too!
I would too but I doubt people would want to come back if they failed
He's done a few follow ups, even having three previous guests on for a follow-up after the follow-up.
Almost all of them don't take his advice or fall off after a while, and almost all of them end up worse off. One just seemed in it for the engagement for his socials.
Only one follow-up guest has had their situation improve since coming on Caleb's show.
Oof that's so sad to hear, but maybe not so surprising
yesss
She can’t just give a straight answer. That is so frustrating. I love how Caleb is so straight forward
Because she isn’t being honest
That’s because she’s an escort
@@RC-wz9vw you mean like a who-oar?
She can't even give a straight forward answer as to what a "spiritual coach" is
I love her moaning.
I send her good Vibes and strength to do as he’s instructing !
I know everyone’s roasting this girl but I’m really glad she came on the show for our entertainment
Especially her clients.
It's good when a charlatan is exposed.
Heartbreaking story but since she's just like my ex and can't take responsibility for anything if it saved her life... I'm struck by my momentary lack of empathy.
most people who are roasting her are doing the exact same thing or dont know what the real world is like just yet
😂
I like how Caleb is the real life coach in this episode. And the “professional” life coach is just a “feelings advisor”
That's what most life coaching is. Actual life coaches are not nice people. They are very blunt and brutal and can get to the extreme of nice and complimentary too when it's deserved. What people want with most of these life coaches is to feel good about life when their life actually sucks and they don't want to face it. Just like how people think therapy is suppose to be coddling you, it's not. It's suppose to be rough and uncomfortable because that is what drives change.
She is a professional useless person
Have a look at her link tree in the description she’s not a life coach she’s a prostitute
My aunt had a life coach for a while. It was an expensive time period for her and they just made her feel like crap. Just a scam.
@@nickf.6027 and escort
This is the best damning exposure of the life coaching industry I’ve seen yet
Her using “life coach” is actually a euphemism. She charges people to give them happy endings and other adult activities.
Aba and Preach sent me here and I'm glad they did! Top tier content! 👌
i actually envy her for her ignorance
imagine just not worrying about anything
Ignorance is bliss, after all. But this is gonna catch up to her very soon
her not realizing she would owe around $20,000 on her $80,000 gave me and aneurism
Did you not hear?? It's on her vision board..
😂
How has she made it this far in life and is still breathing and walking at the same time? 🤣🤣🤣🤣
Man I can't believe how she lacks any kind of accountability.
I'm also 90% sure she's lying about how much she makes and her financial situation is much worse than she's letting on.
Yes. But furthermore, I try to approach everything I see on the internet or on TV with a large grain of skepticsm by default. Meaning : for all I know, this entire segment, and all others like it, may be entirely phoney and scripted from the get-go. It's near impossible to know for sure with things we see on-screen.
That was the thing that most stood out to me. Everyone wants to appear better off than they are - especially in a situation like this. He based the spending and budgeting off of $6500 a month. I think she makes around $2500 to $4000 depending. That’s why when he finally breaks it all down she has a 100 yard stare at just how unattainable it’s all gonna be because she doesn’t have a correct monthly income.
@@rigelb9025 this! They might as well all be actors for entertainment value
@@DoritoBot9000 Precisely. It's very easy to deceive people with filming equipment & a studio for editing.
she is lying. theres a reason. shes hiding her real job
This is a GREAT ad for Honest Mary's.
You have achieved a new sub, sir. I will now further my financial education through the pain of others. 🧐
She just needs to put "Do not get audited" on her vision board and she'll be fine.
Yikes 🤣
lmao epic
Dunked on
😂😂😂😂😂
IRS has entered the chat
You have to admit that she’s kind of brave for sticking this through and being honest. She’s getting absolutely roasted. It’s commendable.
That’s if you believe she’s being honest.
She really didn't fully buy into Caleb's plan. What is commendable?
this the type of person that wants to raise taxes and get more social programs and then not pay their fair share in taxes.
Simp
@@Oo27254 The first red flag for me was when she said shes spending $30 on health insurance a month. There is no way, as a self employed person, she is only paying $30 a month. More than likely she has no health insurance at all.
"mindset of abundance" is crazy😂
this is such a wonderful channel,im so happy i found you
I'm screaming internally because Caleb FORGOT THE TAXES when he made her a budget...she doesn't have 6500 a month she's got closer to 4500...
I noticed that too.
Yepppppp massive scary mistake😊
She will just start a minimum monthly payment for taxes almost 100% sure
Like she was going to save for that 😂 regardless
@MrBean Right?! Like, “Taxes? What taxes? No income here, Mr. Government!” 🤣
If she was actually living in a mindset of "abundance" then she would understand that true affluence is financial freedom, not negligent spending.
And the true end goal of actual "abundance mindset" is ultimately giving not accumulation. The basis is about living a life full of option... being in debt is the polar opposite. Also the principle of choosing win-win situations. Not trying to be a jerk but she knows the words but she doesn't know what they mean.
She wants the image of having abundance before actually having it.
Totally Insta vibes on this woman…. You know her feed is full of the usual Insta chick lifestyle….
But KATTTTTT IT FEELS GOOD 😂 debt feels good
Sadly, most coaches and gurus preach abundance mindset so they can get you to justify spending money on their products. If they tell you to be frugal and save cash it would cost them money. That’s where the money is shilling courses and uses others people’s money etc
She needs to go on a shopping trip for three different meals and make them with you too.
I have some suggestions:
Lentil-Lasagna
Vegetable soup
Chicken-Curry
Chili sin carne
All are super easy, great for meal prep and quite healthy and also cheap per portion
Here from Aba and preace Video, subscribed right away. You have good content... keep it up
Never seen this channel. But this guy is exactly the kind of person that everybody needs as their best friend. No sugar-coating, just cold hard truth with the intent of looking out for you.
To me it feels like the offense is not the right way to get the message through. The general points are critical, but I feel like he's disrespecting them in a way that makes this entertaining for the audience but fails to actually aid the person in the video... My humble opinion
@@nadavgeWell the guests were the ones that agreed to come into this channel instead instead of getting help in private. And also being blunt is not synonymous with being disrespectful.
@@rambutan_lychee9255 I tend to agree with most of what you said, still though he does say things like “I don’t think you should be coaching people” which feels to me more like a personal attack than constructive-yet-blunt criticism.
I guess that’s part of the contract, as you said. I just don’t it has to be to keep this channel entertaining
@@nadavge Telling someone to not give other people as advice that they don’t follow themselves is not a personal attack.
People don’t want to spend time being lectured by someone who are not competent. There’s a value that comes with the same sentences coming from people who has merit.
The woman in the claims to be a life-coach but can’t manage her own life. In what world should she be telling other how to live when she herself is struggling with poor impulse-control, finances and is in tens of thousands of dollars in debt.
She needs to straighten up her life before ever thinking of coaching other on how to do so!
@@nadavgeif you can't see the advice and care through the actual reality of telling you that you are fucked and you did it to yourself then your issue is with your character and you won't change until you fix that. It's a soft way of thinking that does not drive invention and innovation. If the nice way worked then they would have gotten their life together before then and once you are homeless, you find nice is a luxury that does not exist during survival.
Hey Caleb, just thinking it would be great if you could do a financial audit with someone that is financially responsible to sort of show what people should be doing to be financially responsible.
That's what Dave Ramsey is for
Great idea honestly but until he makes that episode, for those wanting to save money and succeed, I’d just continue watching all the other videos and just inverse all their financial moves. Simply not going out to eat, purchasing unnecessary luxuries, and buying low risk stocks for retirement so far seem to be the move!
@@sirpicklestien1436 Most important takeaway for me is pay off all credit cards in full unless you financially can't. Which I thought was common sense, but apparently some seem to see making minimum payment like some kind of homespun cashflow optimization scheme. But I'm not from the US. Is it usual for people to keep to minimum payments, or just the people that end up getting roasted on this show? No snark intended, genuine question. I know attitudes to debt are different in different places.
@@dittikke it is very very common. A lot of adults are in crippling credit card debt in their 40s. They're predatory as well. I get probably 7 credit card offers by mail per month
@@dans4125 Thanks for the reply. Scary.
no joke this actually inspired me thank you
Aba n preach led me here. I can believe there are people out there that live like this.
I would love a one year update to see if she is out of debt or just made things worse
When I was 21 I heard this saying “Don’t spend your 30s cleaning up your 20s.” That stuck with me and at 21, I turned my life around and stopped making terrible financial decisions. It’s not easy but it was worth it.
Gosh that's a great saying (also don't spend your 30s regretting what you didn't do at your 20s, but these aren't mutual exclusive)
It took me until I was 24 I’m 25 now and on my way up
Good for you took me till 27.
Man. I wish I’d have heard this before 😂
The time to have fun is in your 30’s. You can afford it.
15k in debt and buys a 30k car she needs "once a day" to drive "not very far." No one NEEDS a luxury SUV! Drives me nuts.
Agreed, but a RAV4 is far from a luxury SUV. Could be worse.
She said she drives the XLE which literally stands for "Executive Luxury Edition." 😆
Thanks couldn’t find how much it was.
I'm so grateful that you're so perfect. Thank God we all have you to look up to
30k car is nowhere near luxury
Need the grocery shopping part two
Im glad i found your channel due to shorts, got me to think more before i spend money and to decide i will never use credit cards.
She 100% lied about how much she makes. You can tell when he starts talking about the budget
Well yeah if she said the real amount it'd be exhibit 12 in her irs case, probably pulling 250 + a year works 5 hours a day, average service on her website is a couple thousand dollars, even if she works half the year, making 1000-8000 per service. That's 400k+ a year. 80k 😂😂
@@derailedbaggage122 The opposite is waay more likely. She probably doesn't pull in half of the 6500 per month she claims.
The F is a spiritual coach. I think she is on Onlyfans. No way is she making 7500 dollar a month.
Yup, she is quietly panicking!
@@derailedbaggage122 doubt it. She probably makes way less. And in the coming economy who’s going to be able to pay a life coach.
Abundance isn’t about consuming and spending money, it’s about appreciating what you have.
Unfortunately a lot of predatory “life coach coaches” teach this wrong to get students to swipe their cards and also make 40k months
@@mrscassandrasolano life coaches are people who fucked their life and THINK they have sorted their shit out..
Its literally how you get the thought "i could be a life coach"...
Its one of the BIGGEST red flags. GUARANTEED shes got WILD life and mental problems.
While I think his approach has a lot of problems, this is one of the things I like about the finance guru Ramit Sethi. The dude argues that being rich isn't about how much money you have, it is about how you want to spend your life. If you are spending your life in a way that makes you happy, you are richer than a billionaire who is miserable.
That’s very true
"Abundance is appreciating what you have" No, no it isn't. 🤦🏻♂
I'm so worried about this young lady. I think this is really hard for her. I really wish we could get a 6 month update or something so that we can see how it's panning out. I hope she does some soul seeking and a lot of meditating so that she can find the strength to do what Caleb is telling her to do.
It’s hard to watch these sometimes man. I know it’s bad decisions but this is a real trouble for some people, and seeing her facing it head on feel so brutal. I’m glad she’s getting help though and not letting it just accrue.
My respect to all the people that have the guts to put themselves out there for everyone to see their face and situation they are in.
How do you think she got the interview? Either you pay $400 every 30 minutes or you can email him, he invites you out and RIPS into you for views. Now I don't know for a fact that they don't pay if they're interviewed but I have a hunch
They do not pay to be interviewed lol, that would be stupid.
That being said, I’m not sure why this chick ever thought going on this show was a good idea. Just clout chasing and being on camera. How is this chick gonna coach anyone when she’s drowning herself on a daily basis
@@LolBoontai I am glad he's hard on everyone about their financial situation. I think it puts them in a position where they actually consider what he's saying versus them thinking it's not that bad and then continuing the cycle.
She should not be COACHING anyone on anything
@@toxicavenger6172 don't get me wrong it's good that he's ripping into them but you can't deny its good for views too
The life coach who doesn't have her own life together! 😅 this is such a theme
LOL oof
Always ! Same with therapists that are mentally ill
@@krassimirpetrov7131eing mentally unwell isn’t the problem, rather not managing it effectively. You want someone who is empathetic and compassionate - but no-one has to be perfect. There are overweight doctors, broke financial advisors / accountants / economists etc. The science still works and the goal in life is being the best version of yourself but no-one is perfect most of us are a work in progress! Even if someone looks out together be wary. Good luck :)
I know a financial advisor that is the same way.
I think she's a call girl and thats her cover
Great Life Coaching Caleb!
Shes not necessarily being truthful, but shes just living the lie she was fed herself. I still respect her for putting herself on the spot and allowing this guy to help her. I also like the way he can break things down and give actual constructive advice
You know she saw this as a marketing opportunity, right? Like, any publicity is good publicity.
Shes wrong...but I bet that was her expectation.
ETA: I was responding to a comment about why she agreed to be on and yt did me dirty. Leaving it for posterity, lol.
… exactly, she is simply living in the hypnotic mind sometimes called the carnal mind so she believes the bullsh*t that she’s been fed and that makes her just like everyone else who lives in this world (the material world) ~ she’s just doing her best like everyone else even if her best looks different from those who are criticising her ☺️
… exactly, she is simply living in the hypnotic mind sometimes called the carnal mind so she believes the bullsh*t that she’s been fed and that makes her just like everyone else who lives in this world (the material world) ~ she’s just doing her best like everyone else even if her best looks different from those who are criticising her 😊
Yeah the first 5 minutes her story makes no sense. She's quiet irresponsible. She has the planning skills of a small child. No doubt she's fake successful...living on credit.
The only thing she wanted was Exposure to many subscribers from his channel..........😂
Not a freaking chance she is claiming all her income. The face she made when you said she should have 20k set aside for her taxes was complete shock, and that should be common knowledge if she was
I don’t think she makes as much as she said she did and 20k at 70k income is steep
@@ian_bruh1 she’s being very optimistic on her income I would think now she’s probably closer to half of what she says
$6500 is probably her high month. If I have to guess she's probably averaging $4-5k per month.
@ian_bruh1 20k on 70k is ~34%. That's top capital gains tax. That's the realistic number you need to set aside. Anything under than that is a bonus at the end of the tax year.
@@ian_bruh1 no, it's normal. I made $70k for several years. The taxes on that are 30%. $20k is actually low because it's like... $1.6k/mo in taxes.
Aba and Preach put me on to this channel and baby I big subscribed instantly 😂
I just discovered this guy, I’m a big fan.
This is a tough conversation to have. Props to her to be willing to sit down! A lot of people avoid this conversation with themselves.
The one and only reason that she sat down was her hopes of gaining new followers. She isn't capable of mature/analytical thought or genuine self criticism. But I respect that you're trying to find something positive to say about such a nightmare of a person/situation.
@@abidalihyder damn 💀
Eddy,
I give her no props and here is why.
You don't need to go have a discussion with anyone whether it's in front of a camera, on CZcams, another individual, counselor, or life coach, etc.
You have to be able to quit lying to yourself.
It's all about being real with yourself, where you stand, without making excuses or trying to justify your poor decisions like demonstrated here in this video instance. You can't learn with that mentality, and you won't change a thing in your lifestyle. I don't believe she will change hers either until she has to either lost clientele/income, maxed out her credit cards and can no longer spend, claim bankruptcy, get in trouble with the IRS, or end up in jail. She will only make it harder for herself and everyone close around her. Family, life partners, and friends will suffer alongside her as well.
And what bothers me the most is that she is in business to give other people life advice when she has no idea how to live her own.
Spirituality means taking care of all your life, not just singing kumbijah, rubing a statues belly, naming and claiming, hugging a tree, or lighting candles.
Let's put put on a dumb smile, use a stupid laugh and hope for the best, and we'll call it Spirituality.. BS !! BS !! BS !!
Again, i give her zero props.
@@abidalihyder right because a guy making an assumption about someone they don't know in a CZcams comment section is SUPER mature and analytically inclined
@@pissboiler5978 most people just don’t know. Lots of people struggle with finances, lots of people ignore these issues until they die🤷♀️
I'm so glad he told people to leave her alone about her laughing. A lot of people don't seem to understand laughing when stressed is a coping mechanism. So thank you for that. I hope she got a lot out of this I know I did.
Everyone gets mad at me for laughing in very serious and stressful situations and conversations. I try not to because it is somewhat disrespectful but I cant help it so yes I agree that he said that to be very helpful.
@@amalieshelby same, and it's sucks so much since so many take it as not taking the situation seriously. So nowadays unless I know the people around me I do try and hold back any laughter
@@amalieshelby literally there’s been moments where I almost fall to my death or get in a very dangerous situations and I literally laugh… it’s not intentional it’s almost like I can’t stop and I start hyperventilating 😭
Haah she is a clown
Yeah I do this too. It Kind of annoys me because I often am perceived as Happy and content when I am in distress. In other instances it Has Served me Well though because when I am almost crapping my pants in an exam or at my boss, smiling makes people Like you...
Oh my gawd this was amazing. So glad I found this channel
Congratulations on 1M subscribers!
She’s physically uncomfortable discussing her finances. This problem runs deep on a psychological level. I hope she figures it out.
No its because she's lying and only on here for self promote. She's not going to come on here and say what she actually does for a living or how much guys pay her, or that if she needed or wanted something a random guy will pay it. The whole flaw when interviewing these women is that they don't have to be accountable even though they're adults
@@Ryan83728 then she is doing a terrible job at it
I feel like the problem here is that simply telling her what she needs to do is not the solution. Many of these people have major psychological issues which are driving their spending. They’re going to walk out of there and indulge in the fantasy that everything’s fine because they’re addicted to the feeling that they can just buy whatever they want. In her case the reality check probably won’t come until the IRS is banging on her door.
It's an addiction to spending money for dopamine and happiness without considering the long term consequences. Good luck to them long term.
@@Ryan83728She seemed like she was enjoying this. He might as well have saying ‘you’re a bad girl’ for an hour. Would have gotten the exact same mmmhmmmm response
The girl with crushing debt is 100% telling people at a $100 Austin brunch that she can help them get life together.
She basically said at the beginning she was in it for the money
Without a doubt 😂
Shes into more than spiritual mentorship bud.
@@ctraltdel6510 yea she's into being a typical austinite who thinks life coach is a real job.
@@harr8658 she mentioned she was into "other things". She's a prostitute.
Shopping trip, please!
Love your content Caleb! So many 💎 that I have also seen with a few of my clients. Definitely a need for more help about financial wellness! Just subscribed 🇬🇧
My dad always told me to treat a credit card like a debit card. If you don’t have that money in your checking, you shouldn’t spend it on credit unless it’s an absolute emergency and you’ll be able to pay it off later. Unfortunately a lot of people around me don’t seem to understand that and dig themselves deep into credit card debt. I’m grateful that my dad drilled that into my head.
Same here. My mom told me the same idea when I got my first credit card a few months ago and it's made budgeting sooo much easier too.
Never owned one in the 15 years i've been able to own one, and i'm happy.
I treat my credit card like a nuclear weapon. I will wait until i've exhausted every other financial option before i touch my credit card.
Nah. Its ok to get credit. The problem is the reason you went into debt.
There are just 2 kinds of acquired debt. The first kind is passive one. The kind that only piles up on your monthly expenditure.
The second one is the active one, where you get credit, but that money gets invested into something with quick returns. The returns you get on the investment goes into your payment, so you dont actually have to pay, and over a certain period of time, you pay the debt and you then keep the returns for yourself.
So you can buy a machine or equipment that makes money for you and at the end, you didnt spent a single dime on it.
So the problem is that people only acquire debt to spend, not to earn.
A lot of people understand that exact expectation of a credit card. However so many people don't understand an actual emergency from an inconvenience.
Hats off to everyome that comes on this show. Takes a lot to admit mostakes and we can all grow wiser
Especially spelling MISTAKES.
@@jtdenton1483 I'm pretty sure that was intentional and ironic lol
Was just thinking… she has great emotional regulation. Caleb was fairly condescending and she stayed patient and open.
@@parcheesy33 Condescending? He was trying to get through to her that she's ruining her life, because she came on the show FOR HIM TO HELP HER, and she's just sitting there, hmming and hawing at everything he says, not paying attention because she doesn't actually care. She just saw this as a way to promote her business, wasting his time and hers
So few people understand motivation. $$$$ Also people below 30 have completely different values than those above 30@@pwn3ronetwothree
You're the best, Caleb. Love your content - keep it up :)
He’s so calm and kind in this one, it feels weird!
Please schedule a 6 month update with her. It might keep her accountable and then people would get to see the outcome; good or bad.
She will be in much much worse debt in 6 months. She likes her lifestyle and if she is almost 30 she is not going to learn. She was lying about her income.
If she’s honest about her income, I don’t think she’s completely screwed if she’s willing to budget and track expenses. I think the 2/10 score is a bit harsh considering her income and the potential ability to earn more.
However I doubt any of this resonated with her. She kind of had a glaze over her eyes throughout. I hope I’m wrong though
No way she’s doing the things Caleb told her to do.
I believe she won't recover from the debts - you can see how reluctant she is during the whole video
@@vonakenyon7981 She may or may not be lying about her income, but I am absolutely certain she has no idea what she earns for real. It also sounds like she is paying almost nothing in taxes. I'd love to see a six month update and hopefully she can get it pulled together.
She isn't DOOMED Caleb, she's got clear debt on her vision board 😭
😅
If it's on the vision board then it's done. Duh!
Manifest the debt away
Don’t sleep on manifesting every great visualize success-Kobe Bryant
she will never change
Came here from a react channel cus this guy is who I need to follow. Damn my boi keeps it real
I see so many people on this self improvement/spirituality community have this mindset of doing what feels good in the moment which is clearly digging them deeper into the hole…. I don’t know who put this advice out there but it sounds like credit card companies….
Discovered this show yesterday and it makes me feel WAY better about my own spending habits, but also has lit a fire under my ass regarding getting my own financial ducks in a row
Same here
Depending in how old you are that should have been on your list a long time ago. As it takes time to build real useful wealth not just time for money. But glad your thinking about it sooner than later.
@@santoscarrillo2996 should have done it much earlier, yeah. But thank you. I'm hopefully starting a job with much better pay here soon and intend to focus solely on setting myself up for success financially
ditto
lol right? Jeezus
My gripe with all of this isn’t that she’s made mistakes to learn from. The scariest thought to me is that someone who can not grasp the idea of living more with less should not be giving anyone life advice. She is just a validation friend for hire.
Shes making almost twice what I make working 5 hours a day. I would swap places with her without a second thought.
I know someone who has a life coach. He doesn’t want real advice. She’s as useful as a night light. Makes you feel better but does nothing to protect you. On some level I think the people paying for the life coach realize this.
Surely you don’t ask the brick maker advice on jewels.
But I wouldn’t ask a jeweler advice on bricks either😮
She’s like a hire a “girlfriend”
Dude If she was a whore she'd be making way more money than 6500 a month. And is there a "slow season" for sex?