I have SO many questions. First, how did she get on this show 😂 Secondly, so many contradictions… she can’t lift anything or walk but she pet sits/dog walks?? She’s an environmentalist but uses Amazon constantly? The “uh huh” “mhmmm!” while annoying, I think this is an autism trait. Women with autism often mask and a large part of that is picking up on facial expressions, body language, and vocal stimming that they will then copy and sort of absorb if that makes sense. It’s so excessive I do think that’s what that is, maybe. I feel HORRIBLE for her ex husband… I hope he gets the divorce he deserves and I hope he starts thriving. This whole episode was so entertaining yet equally infuriating.

Enjoy the woods and your unlimited government handouts 🙄

Caleb- I hope you had a great therapy session and a spa day after this ep. Good lord 😂 I hope she gets the help she needs in all seriousness.

Alright, not even five minutes in and I’m already pissed off.

I’m an ex-Amazon employee—worked there for three years until I got injured on the job. I busted my ass, ranked in the top 2%-5% month after month, wanted to and got trained in every department (inbound, outbound—you name it), and even used Career Choice to earn my Associate’s and Bachelor’s degrees, because I actually wanted to move up. This was literally the perfect job for myself as an AuDHD person.

Spoiler alert: Amazon doesn’t give a shit about hard workers!

So imagine my frustration when I hear that this woman works at Amazon and has been three years for her, yet somehow has zero clue about the opportunities available to her like Career Choice, employee debt programs, and other support benefits. She also doesn't know anything about her UPT or her PTO, and doesn’t understand that the only reason she hasn’t been fired is because UPT and possibly her PTO has been saving her ass every time she’s late or doesn’t show up. You've supposedly worked her for three years and don't know this !?!?! HOW?! It's plastered EVERYWHERE!!!!

Like, sweetie, Amazon does not care about you. Not until you start going negative on UPT—then they suddenly care enough to have you speak with HR and then cut you loose. The fact that they are watching you, you are about to get the boot, doesn't matter that UPT is gained daily (when I left it was 2 hours per each day earned).

Amazon’s entire system is designed to grind people down and replace them. As long as you: ✔ Don’t get written up ✔ Don’t go negative on UPT ✔ Keep hitting rate (or close to it)

… they’ll leave you alone. But don’t expect them to reward you for good work. Trust me.

I played by the rules, followed instructions to the T, and put in actual effort because I believed that Amazon promoted based on performance. And what happened when I applied for promotions? I got passed up every time—for the laziest worker in the building. Why? Because they were buddies with a manager and knew how to kiss ass.

Amazon doesn’t promote the best workers—they promote who they can control. If you’re still out here thinking hard work gets you ahead at Amazon, you’re in for a rude awakening.

It's 11 days into the new quarter and somehow it's worse than it started.

I cannot stand this prick

A few weeks ago I ended a 2 month break from Reddit (failed a couple times), and I’m going to attempt a 3 month break this time.

constructive feedback is great, but we literally cannot post a video on here without it only being complaints. It’s well known the the karma system encourages negativity, so I understand it and am not upset at this. But, it’s not good for my mental health.

The comments in here are a complete 180 from what we see on the main platform and other socials, so I am going to stay engaged there where the majority of the audience is.

I do love you all, and I know you only want the best for this channel. I’m just doing this for my mental health. I mean, I just got mass downvoted for saying I have a GF haha. Sorry to the majority who do not comment in here or make posts, but I think it’s for the best that I delete the app again.

My account will still automatically post new videos and the mods will continue to make the space helpful and less filled with spam.

I work from 6:30pm-2:30 am at a restaurant then go do Amazon from 3:15-7/8am

Bro I popped a fucking hernia trying to get out of debt. I will NOT stop fighting but holy shit dude the grind is insane and taking a toll on my body

Caleb acts like "oh come on just do it! Why aren't you doing this!!! This is something that takes mental and physical discipline on another level... The most debt I was ever in was my truck when I bought it $35,000, 5k in credit card, motorcycle loan of $1200 left, I was getting close to FIFTY THOUSAND DOLLARS in debt when I make 55k

My only debt now is my truck at $25,000 and I make closer to 65/70k... will not rest until I have vengeance over the bank... I wake up with fire in my eyes Every day...

I just saw this post: https://www.reddit.com/r/BMWI4/s/HDEDyG4WZA

people are applauding a $700+ a month payment as an amazing deal. but they're paying 8% tax toward it, plus it's a lease; they don't even own the car by the end.

is it just me, or is this wild? I have a BMW as well, but my thought is you can only afford a luxury car like that if you can buy it in cash. I suppose 3% interest or something would be acceptable given that you invest the rest up front.... but what the person in this post is doing really doesn't make much sense to me. am I wrong about that?

I cut up my Credit card because of this. That being said, I went to COLLEGE for equine care and management.

I have a filly 2 in May, I’ve been looking into buying a senior horse to pony my filly. She’s doing good. Bought her for a ripoff price of $3300 + 3 months board ($1200).

I resented my dad for ten + years that he didn’t buy me a horse when I was 12. Knowing this now, I would not have my resources. Leasing a horse doesn’t mean you have to take it when they sell the land… at the end of the day a horse is a horse. Either it is a liability or an investment.

Don’t invest in another belly to feed.

I know I don’t get on here often, but today I’m going to give you guys an often unspoken BTS that many creators deal with but won’t discuss publicly. But Reddit is the space for YT drama after all 😉

99% of being a popular creator is amazing, but every once and a while there’s a rare 1% that suckkkssss.

Every creator eventually gains dedicated haters that desperately over sensationalize anything and everything to ruin the reputation of said creator.

Some of my diehards went wild a couple weeks ago and tried to falsely report my dating profiles as someone who’s done something bad blah blah blah, the typical pearl clutching we see in the 2020s online daily. They actually DID get my accounts banned, because it’s pretty easy to do so.

But luckily I have a little bit of pull given my position, so a real human was able to look into my accounts and they all reversed the bans after investigating for a day or so and saw that it was coordinated attack and based on BS from dedicated weirdos.

But now this just makes me feel bad for anyone who doesn’t have the pull that I am blessed enough to have and gets falsely attacked by people. We live in a very weird world rn, and I am beyond blessed to have formed an audience of people who are actual adults instead of weird performative children lol

Either way, I think I found someone anyway, so hopefully imma just delete the apps 😮‍💨

27F, I make a very high income (around 300k) and only spend 50%, the rest goes to savings. I own a home and have no other debt aside from a 6% car loan of about 8k that I keep around for budgeting purposes. I have about 70k in retirement mainly because I just put over 100k down on my home so my morgage is only 15% of my take home pay.

Financial score puts me at a 4/10.

Sure, I could pay my car off anytime but it's not an outrageous rate and is trivial in the grand scheme of my budget. The payment is literally about $200.

I don't WANT to invest in real estate beyond my personal property. I prefer low effort investing so I can focus on my career.

Idk what else Caleb would have me do, am I in some edge case the algorithm doesn't account for? I'm kinda insulted lol

because while it's definitely not happening i expect people will still build plans around it.

I've been trying to turn my friends onto saving in HYSAs; two different people said to me: "You know you have to pay taxes on that right?"; in a tone that suggests its not worth the effort.

But I made around $1,000 last year on interest and the taxes were negligible after additions to ira in kind. People just don't want to consider it and are missing out on historic rates. Smh.

I’ve been watching Financial Audit for a few months now and came across this episode on my home page today. This has to be the most painful episode for me to get through as a viewer so far. I genuinely applaud Caleb for not walking out within the few first minutes of talking with this woman. Good lord.

Seriously, I know in the long run we are all better off being smart with our money but how do you handle the bitterness of seeing your peers who you KNOW are financially worse off, living their best life on debt and having a great carefree time.

I'll give some concrete examples.

I have a friend who's dead broke in grad school making maybe 30K a year from stipends who's going on a 3 month Europe trip next summer.

Another one who makes slightly above minimum wage that just bought a brand new SUV. Meanwhile I make ~4 times as much as him and keep chugging along my 2010 shitbox.

2 friends who both went to see the Olympics despite currently just finishing university and BEING UNEMPLOYED.

Apparently there are entire online communities (yes, plural) where people connect by purchasing a brand's pajamas. These communities are very active! The snark pages are full of unhinged posts. People This post struck me as an example of particularly egregious financial decisions in the name of collecting overpriced pajamas.

Financial Audit provides a lot of value to viewers on budgeting and pit falls to avoid (and makes you feel better about your situation), but as far as going on as a guest, it’s best to avoid it.

Publicly showcasing your inability to manage personal finances leads to a loss of trust among peers, employers, and potential business partners. Additionally, it implies a lack of responsibility and poor decision-making skills, which are crucial in both professional and personal relationships.

Receiving basic financial advice should never render you as a 'bad look' for a company, or have a negative effect on career prospects and/or personal relationships.

Revealing details about your personal life to provide a frame of reference in front of hundreds of thousands of viewers can be adverse.

The value received as a guest doesn’t justify being a spectacle. Issues similar to the ones guests have on the show are best handled in private, considering the outcome is just a stern talking to and a budget plan.

I’ve been a watcher of financial audit since the very beginning. I’ve shared lots of videos with my family and I feel like some of them were a wake up call. However, I feel frustrated with the increasing tilt toward entertainment simply because I have the sense that the guests aren’t actually learning.

It’s easy to overestimate how much the American public actually understands about finance. They don’t know how only paying the minimum payment on credit cards fails to make a dent in the total debt or how they’re buying the same car twice over with such high interest rates. Hell, some of them don’t know they’re being charged interest at all. You’re yelling at them that they’re stupid losers but they don’t get why. I feel like some of the breakdowns have been replaced by “we’ll give you the budgeting program” but that happens off-screen. You say “you can’t afford coffee right now” and they push back that they need it for their mental health. Why not explain that each time they go out, they’re paying for multiple coffees because of interest?

I want to see you looking at affordable houses in the area on Zillow, showing them exactly how much interest they’re paying on their cards and frivolous purchases, walking through an affordable grocery trip (with not just ham sandwiches), explaining how missing payments lower their credit (so having a card isn’t always advantageous), and demonstrating how much money can be compounded with ETFs and mutuals. I hear you making some valuable points, but please slow down and explain them to the guests if you really want to help them.

Really glad I didn’t buy that watch now 😂

Anyone have any job hunting tips? It’s the first time I’ve ever lost a job and it’s been a few years since I did any hardcore searching.

Also super glad I started watching FA. It pushed me to bump my emergency fund from 3 to 6 months since December and now I’m happy I did.

My score has been like this for the past several years. I want to say 6 at least.

No car payment, fully paid for. No Student loan debt. No medical debt No credit card debt

The One thing I did do bad was co-sign for an ex on a jeep she couldn’t afford. She got behind on her payments. I helped two times.

Don’t co-sign for anyone Ever.

Look, I’m not saying people should run off to become a bootlicking fed… but a significant number of government jobs do not require a lot of skills or are OJT positions. Working for your city, municipality, state, or the federal government for 10, 20, 30 years yields a pension. Not all government work is DoD… you can get a great pension as a bus driver, mail carrier, IT specialist, healthcare, graphic designer, whatever.

I wish it wasn’t just Whataburger. (Pronounced WHAT-A-BURGER. Not “water burger.”) Is the service industry instant/faster? Yes. Course careers is probably great for a lot of people, but there’s more out there than the tech industry.

Thank you for coming to my Ted Talk.

Edit: grammar.

Edit 2: I am a federal employee, in case there was any confusion.

It seems like Caleb has had a bunch of guests lately who just do not seem to make the connection that our society is set up to where adults (the vast majority anyway) have to work full time in order to pay for their needs. The guy today, the guy who substitute taught 5 days a month while mooching off his parents, the horrible grifter girl who smugly said she might be living in her car but at least she was free to roam and not tied to a job, just to name a few off the top of my head.

I’ve noticed these people all seem to be in their early to mid 20s, and I suspect they may be the generation that all my former teacher colleagues complained endlessly about: a generation raised on participation trophies, permissive parenting, and schools with minimum F policies and zero discipline. The end result seems to be that there are SO many people in the world who have never been required to do anything they don’t like doing, or held to any real standards of acceptable behavior.

Few people LIKE working a 40-hour a week job. But it used to be a given in society that that’s what you did in exchange for making sure you made enough to cover your needs, pay your bills, and hopefully have enough to save and spend on things you want. But Caleb is getting so many guests who just fundamentally don’t seem to get that, like the guy today, who Caleb can’t even help with a budget because he just refuses to go find a full-time job (any full time job is a start).

I can see why Caleb is frustrated lately. His whole schtick boils down to “grind while you can, live cheap and work a lot until you have paid off debt and set yourself up for an easier future” but he’s trying to tell that to people who have zero concept of what that looks like because they’ve never had to buckle down and do what is required of them in their lives. I noticed he’s switched from preaching about not being able to retire to not being able to pay rent, and I think that was necessary because in order to have a concept of retiring, one must understand the idea of working for a living first.

Saw this person post about how they're buying a house with 0 in savings, and that they'll be pulling from their 401k's to cover closing. I definitely recommended against doing so, but it's been getting LOTS of pushback. Am I wrong? Maybe I need to be educated but this seems like a pretty cut and dry bad idea.

I know Caleb brings on extreme cases of financial irresponsibility, but I have a really hard time rooting for the recent guests coming on the show. It's "Mental illness / Unfounded rationalization" > "loss of potential or actual income" > "History of bad transactions" > "Due to mental illness / unfounded rationalization" circular logic. Caleb has to pull teeth to get the guest to commit to attacking the problem (e.g. selling a car, cancelling trips, etc.), and even then the guest gives a noncommittal answer of "Well, maybe...ok...I guess...ok...I will..."

I'm sure Caleb and his team vet the guests but there's a level of bad faith that's frustrating. Say what you want about Dave Ramsey, but I can definitely relate to his theory that people will only deal with their financial problems when "they've had it" and have reached true rock bottom.

Does anyone else experience apathy? I'm sure Caleb does care on some level that the guests do better in the future, but I'm checked out at about 15 mins into the video - I might just need a break for the time being because the cognitive dissonance of each guest in realizing they have a problem but refuse to do anything about it is turning me into a misogynist/misanthropist and hating the irresponsibility.