Isaac, Houston, TX

Career:

• 2022 - working as Sales Rep at a Tile store, making 3-4k a month while going to school full time

  • Left job to focus on classes because he was having issues

• Doing UberEats/Doordash, also getting money from his father

  • "If I need some I'll ask and he might send it"

  • He stopped doing the gig stuff because he injured his knee timestamp

    • Can't do regular Uber because his car does not qualify

    • Has a 2012 Corolla - later clarifies that it's above the miles limit

    • "My knee hurts when I drive"

      • He drove 3 hours over to Caleb, driving 3 hours back later.

      • Something to his meniscus

• Costco opening nextdoor - planning on getting a job there

• Was a Solar Salesman at the beginning of this semester but the company closed down?

Education:

• Studying Biotech (undergrad)

• 4th year but with credits he is a junior, will be finishing in 5 years

  • Had some issues during COVID, didn't pass a lot of classes - trying to make up for that now

• 2.0 GPA overall

  • "Yeah I just got to 2.0 last semester" timestamp

• "Yeah I passed one class... in COVID" timestamp

• Failed Intro to Biotechnology class timestamp

  • "I was passing that class up until the final"

  • Failed "Fundamentals of Chemistry"

• "Why'd you pick this major" timestamp

  • He thought it sounded interesting

  • "So what's your career path"

    • "What do you mean my career path?"

• "A 2.0 is good though" timestamp

• He's taking 26 credits this semester

  • "You can't do that"

    • "Can't do that at one college"

  • "I've learned a few new techniques this semester so I'm dialed in" timestamp

    • 'Like what?"

      • "ummmmm"

    • He's just taking adderall l timestamp

• Payments to "StudyPool" timestamp

  • Website where you "get help" on your assignments

  • "I would never cheat" - this site is definitely cheating

  • Looks like it's a per assignment basis - lots of these

  • $360 last month (allegedly splits with his friend)

• NBS Facts timestamp

  • $30 payment, he says he doesn't know what that is

Finances

• Put his all tuition on his credit cards timestamp

  • An Apple card specifically

  • "I haven't missed a payment"

• Spending a lot on eating out/misc bullshit

• Self-rated a 5/10 in finances timestamp

• Credit Card 1 ($14'715) timestamp

  • $548 minimum payment

• Should he consolidate his debt timestamp

  • If he could actually control himself yes

• Missed payment timestamp

  • He says he doesn't have any but there's $40 in late fees - he paid it a day late but confused this with the concept of a missed payment

• Reasoning for putting tuition on the CC timestamp

  • thought his dad would help pay it off

  • Dad had purchased a house but needed help with the down-payment - $15'000

    • Father is letting him live there rent free and considers this repayment? Not sure if I followed this right

• Coinbase and Robinhood timestamp

  • Invested in crypto?

  • Coinbase - $3'666 in 2021, down to $60 today

  • Robinhood - $6'006, down to $6?

Miscellaneous

• Oracle ad placement

• There's some sort of on-boarding video now timestamp

  • He didn't bother watching it

• Girlfriend gets time to talk timestamp

  • Didn't know how much debt he's in

  • "I think he's nervous he's not usually like this"

  • "He gets defensive when we argue so I think that's what he was doing with you"

  • Thinking about marrying him, wouldn't until he's out of debt

  • Guy's dad doesn't actually give him that much money

• Guy applied to show through Insta

Exposure to poor people reduces support for redistribution among the rich. https://t.co/axsjAmLMuL pic.twitter.com/4Y37ck7gSf

— Rolf Degen (@DegenRolf) April 19, 2024

Nathan, 26, Austin TX

Personal:

• Wearing a $600 watch timestamp

  • Claims he got it on sale 20% off

• "It was a Christmas gift for myself"

• "It's a nice watch, I wanna get another one I just don't have the funds to do so right now. But as soon as I do I'm gonna get one" timestamp

• "Did you graduate high school?" timestamp

  • "Yeah, it was hard though" "Numbers and stuff, the start to look funny after a while"

• "You bought yourself a watch and you said you'd do it again" timestamp

  • "Well I bought myself some - uh nevermind"

Career:

• "I sell cars" "Gross" timestamp

• "My customers love me"

• "I don't just care about my commission checks, I care about people"

• New car place for 2 months

  • first month between two and three thousand

  • Attempt to figure out just how much he makes timestamp

    • "They take it back when I get my commission check"

    • "It's hard to say just what I make... I don't pay attention to it"

  • Was making 7 or 8 thousand dollars a month at his old car place

    • Thinks he will need 4 months to ramp back up to this

    • Had gotten a promotion at his old place but didn't like it as much as he thought it would be

• "Well there's also the 1099 income from the manufacturer.... I didn't report that so I guess it could be something extra" timestamp

  • "I didn't have the money to pay the taxes on it, I spent it all"

• Not setting money aside for taxes?

• Checks his March income later timestamp

  • 9'000 before taxes and minimum wage removal, around 6'000 after all that is taken out

Finances:

• He has two phones because he wanted two phone numbers

• "[The debt]'s not 'new new' it's been there, it just got worse" timestam

• Credit Card 1 (Revy) (302,32) timestamp

  • 205 amount past due, "I had to pay my rent so I couldn't pay the card"

  • 4 months of missed payments, what a king. Frick that card.

• Credit Card 2 (CreditOne) ($500/$500) timestamp

  • Got this one after the repo - only card that would "help him out"

  • He thinks this one is closed but not sent to collections yet

• Credit Card 3 (Also CreditOne) [timestamp](https://youtube.com/watch?v=EdQqpTHnzlQ%26t%3D12860

• Card 3 (738)

  • $125 past due - 2 payments

• Credit Card 3 (Also CreditOne) (1500/1200) timestamp

  • $268 past due (3 payments)

• Credit Card 4 timestamp

  • He paid this off "It's on automatic payments"

  • "I didn't catch it in time, if I'd a caught then that one would not be on autopay"

• Credit Card 5 timestamp

  • $1 of credit free

• Rent $2250 a month

  • Rents a townhouse timestamp

  • Two bed, two bath, attached two car

  • Signed lease last year, just resigned in February

• Car got repoed "that was in the past" timestamp

  • 4 years ago "That wasn't my fault though, that was somebody else that did that"

• "My plan is to make more money"

• CashApp Payments timestamp

• Car (14'000) [timestamp](https://youtube.com/watch?v=EdQqpTHnzlQ%26t%3D1557

  • Paid the car bill late, ate a $20 late fee

  • Caleb seethes over a 2015 Chrysler 200 for some reason

  • "It was a steal"

    • dealership advertised a price but then charged him a higher price

    • Got it in 2020

  • 24% interest rate, got this car soon after his other was repoed

  • Doesn't drive this around?

    • Doesn't drive it around because he got a new car, he's trying to sell and find someone gullible to take over the payments timestamp

      • "So you're going to prey on people"

        • "Nah I'm helpin help them out, it's like a quid pro quo"

  • Has hail damage. There's some weird insurance thing timestamp

  • Owes 14'000 on this $8'000 car timestamp

    • "So that's not super terrible"

• Car 2 (28'700) timestamp

  • Mercedes, this is the one he drives around

  • $650 minimum payment

  • 18% interest rate

  • "It's in really good condition"

• Car 3 (13'700) timestamp

  • This was the one that got repoed

  • Nissan

  • Was in a relationship for 3-4 years, he bought a car for her mother, the mother made payments on it for 6 months but when the relationship ended and she stopped paying on it

• Energy Bill from 2023 that he didn't pay

  • From his old place probably, he didn't know about it

  • $600 bill

  • "You paid for your credit report and you never went through it once?!" timestamp

    • "No"

• Personal Loan

  • Mentioned and then forgotten about?

• Checking Account (-$50) timestmap

  • Lots of eating out lmao

  • He's subbed to near a dozen streaming services

    • "I be watchin shows"

• Credit Score 567 timestamp

  • "It was worse but I've put in work"

Finances Pie Chart timestamp

Attempts to form a budgeting plan timestamp

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These appear to be dropshipped from AliExpress https://www.aliexpress.us/item/3256806542021187.html

Zoe 32, San Antonio TX

Reddit thread - https://old.reddit.com/r/CalebHammer/comments/1bwjhrx/published_on_youtube_trailer_trash_woman_stealing/?sort=controversial

Career:

• "Fulfillment Operations" at Amazon

  • $20.75, 33-36 hours a week

  • Works overnights 12 night shifts? Only gets so many on shift rotations?

Life:

• Single parent, 5 kids

• Finished Associates Degree in Psych recently?

  • Doesn't think she wants to pursue it any more

• Thinking she would got for a "realtor degree" (license?)

• Was married to someone in military who wanted her to be a stay-at-home mother?

  • Already had a the first kid with another father before marrying this guy?

  • He is still in military?

  • Divorced 7 years ago or married 7 years ago and divorced more recently? I'm not certain on the timeline, finalized in 2019?

  • Gets 1'000 a month in child support

  • He is the father of her two eldest children? Might be two second-eldest? What? I'm so confused.

• Another son gets $370 a month sporadically

• Does not get support for the other two children

  • Father of her youngest has repeatedly evaded the authorities "he's a chameleon"

  • No mention of the second youngest?

• Ages

  • Daughter - 1 and a half

  • Son - 3

  • Daughter - 8

    • Divorce was 7 years ago

  • Daughter - 12

  • Daughter - 14

• Lives with her mother, disabled and on a walker so she can't help out much

  • Mother works for a few days at a family members towing company for cash?

  • Mother has had a bunch of surgeries? Recovering from a hernia in the chest? She doesn't want to watch the grandkids.

• Cat just had 5 kittens

• More deets about the dads timestamp

Finances:

• "Borrowing to pay off your last borrowing to pay off your last borrowing that you borrowed before your last paycheck timestamp

  • Has been doing this for two or three months now?

  • Rent went up, CoL went up?

• Checking Account starts timestamp

  • started with negative $23 in the account ended with positive $500 timestamp

  • Payday loan $1000 timestam

    • ahead of her tax return?

  • Payday loan 2 (900 initial 1500 in needful payments) timestamp

    • 159%

    • Doesn't remember which one this is

    • "I saw the APR afterwards and was like holy shit"

    • Got it online?

  • Might be more, I got distracted here

  • Car 2023 Mitsubishi Outlander timestamp

    • Owes $34'900, worth 22'000

    • $819 minimum, missed the last payment

    • No car insurance "can't afford [it]"

    • 16% APR

    • Fell for a free 2'500 down offer and believed the salesfilth when it said she would pay more for a used car

  • Collections lmao timestamp

  • Card 1 $479 timestamp

    • "I got those cards with the intention of not paying them back and now I'm being forced to pay them back"

  • Some of my friends help me out timestamp

    • "Because I work more they took my foodstamps away"

    • Trading cash for foodstamps. $100 becomes $180 in stamps. "Is that legal?" "No."

  • Surprise student loans segment at the end timestamp

Caleb seethes over McDonald's coffee - timestamp

Kino awkward dating prospects - timestamp

HAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHA https://t.co/QcSyz7TBmP pic.twitter.com/uqHu3ED9cx

— Andrew Tate (@Cobratate) May 13, 2024

Video Link -

• Married at 22, divorcing at 23

• He can't stop spending, he doesn't help with the finances timestamp

• Why a divorce? timestamp

  • Went to therapy, decided they weren't compatible

  • Soy keeps talking about "trauma" while based wife talks facts and cold analysis

  • "He's a crier and I'm not"

  • "It happens so often that instead of consoling him I roll my eyes, here we go again"

    • She's perfect bros

• Wife wanted to come on the show

Finances:

• Three bedroom house with a roommate

  • Will continue living together post-divorce, different rooms

  • "What about dating other people won't it get awkward and stuff?" timestamp

    • "That... I'm probably not gonna get into that until later until I actually get out of therapy personally"

  • Just moved into that house, decided to divorce slightly after the move

  • a year left on the lease

• "He could probably burst into tears at any moment" timestamp

• Scores

  • She says 0/10, he thinks 3/10

• He's cut off his mother because she's "narcissistic" timestamp

• Spending

  • Tiktok marketplace timestamp

• Card 1 ($6969) timestamp

  • 410 minimum payment

  • She didn't know about this card until after marriage

  • 171 interest, 250 in new purchases

  • lot of useless shit on here

• Card 2 (3'233) timestamp

  • 3'200 limit

  • Over the limit at the time of the statement, made payments since?

  • "After I gave him my emergency fund to buy his new car I then had to go fix my car which was $2'500"

    • Stick insect freak didn't have an emergency fund of his own

  • Had to replace the "arms" on all four of her tires

  • Gym membership that neither doesn't uses

  • Gollum takes pot shots at her from behind Caleb during this segment, little freak sitting there all smug

• New Car (16'207) timestamp

  • 6ish percent interest

  • $326 minimum payment

  • 2022 Chevy Spark

  • The Freak tries to explain his financial reasoning and upbringing, I don't understand it because he doesn't understand it. It's a inhuman thing trying to masquerade as one of us.

  • His father cosigned for it

• She has a Chevy Trailblazer 2006, no debt on it

  • 230k miles?

  • [Midge tries to gloat calling the van a shitheap] "He thinks he knows a lot about cars"

• She nearly beaned him with a box when he started questioning if she really loved him timestamp

  • He deserved it. NTA. This woman is a queen.

• Checking account deets timestamp

  • The creature tries to speak and is immediately slapped back into into reality

Some Loans

• 1200 - to family friend

  • Friend owns a furniture store, no minimum monthly

  • She wants to keep the bed but is open to selling it to him

• 800 - to father in law

  • His father in law, bills from old apartment?

• 5000 - to parents for wedding

  • This was a gift but she feels obligated to pay them back since they are divorcing so soon

• 1900 - financing an appliance

Spending Graph - timestamp

Careers:

• He's a front desk guy at a hospital timestamp

  • The dynamic here is really interesting, she's got a better idea of his income than he does

  • Just started full time, part time for the last year, 1400 then, around $16.00 an hour now?

• She also has the same desk job kind of thing, I assume paid the same?

• He is trying to start a graphics art design thing?

  • Both went to school for graphic design

Avery, 26, Austin, TX

Career:

• 44k at some car company "building cars"

  • paid hourly, thinks it's fairly stable 40 hours a week - 10 hours a day 4 days a week, sometimes 11 or 12

Personal Life:

• Wasn't her first choice to move to Austin, she moved here because her friend already works at the car company

• 800ish rent

• Most of this section got lumped into financials

Financials:

• Checking Account

  • Overdrafts

• "I live above my means"

• Credit Card 1 ($369) timestamp

  • Paid $45 on it

  • Made $116 in purchases

  • $10 in interest added

  • She tries to explain why she hasn't paid if off - she divides her payments between her paychecks???

    • Mentions at least 5 other credit cards

• Credit Card 2 ($450) timestamp

  • Disney Rewards Card

  • Minimum payment $40

  • because she used to go to Disney but hasn't for a very long time

  • Sally Beauty $50 purchase "on a whim"

  • Also some eating out

• Credit Card 3 (2051) timestamp

  • $73 minimum payment

  • $53 interest charged

  • $30 in new purchases

    • "I needed an outfit for a concert"

    • Actually she went to Taco Bell and a Boba Tea place

  • "I'm still making my payments, that's all that matters"

  • Mentions that she will be going to see a couple more concerts. 21 Pilots and a band whose name I can't make out

  • Claims the food purchases are justified

  • Some weird explanation about how she couldn't use her card to get a protein bar and water so she went to get taco bell instead? (I assume she means the vendor didn't have a card reader?)

• Credit Card 4 ($492) (Walmart) timestamp

  • 28 minimum monthly payment

  • No new purchases on this one?

  • She usually uses it but didn't this time?

• Credit Card 5 ($5'004) (Discover) timestamp

  • She bought a computer on there?

  • Minimum payment $125

  • Interest $104

  • She doesn't really understand how interest works and has been trying to pay slightly more than minimum on all her debts? timestamp

• Credit Card 6 ($136) (Hot Topic) timestamp

  • There's a $3 fee on it? "What do you mean fee"

  • $30 minimum monthly payment

• Student Loans timestamp

  • Something about her mother taking out student loans too on her behalf and she's paying for those as well? I didn't really understand this one

    • her mom's loan is on deferment but she's still paying it while on deferment (she really doesn't understand how interest rates work)

    • Later clarified that her mother used her brother's credit to take these loans out? He knew and approved it

  • Some talk about family situation, nothing super interesting she mentions that she likes to give expensive gifts, sees that as a need not a want

  • Didn't catch how much she's paying off for the mother but she herself has $5'162

    • Was paying it off while in school - went to school for theater, got degree

  • Going to go back to school for "advanced manufacturing" - her job is covering it? Community college (ACC)

• Caleb stimming timestamp

• "So what do you do when you are low on money on your checking account but only have your credit card to survive?" timestamp

• Car (Toyota Camry) (31'972 balance) timestamp

  • $650 monthly payment

  • Storytime - weird ex-boyfriend story

  • Purchased March 2023

  • 6 year agreement

  • She thinks a 9% interest

  • Scratched on the side, damage to the windshield

    • Heat damage on the windshield? Apparently you want to roll windows down when it's very hot?

  • valued at maybe 21'000

• Income 3617 timestamp

  • "I've never really checked my finances to be honest with you"

• Checking Account timestamp

  • Highlights a nintendo charge, some eating out, google play, playstation network

  • 5 overdraft charges in a row

  • She Klarna'd some tickets and a $100 Back to The Future Lego set

• Other people borrow money from her??? timestamp

  • Her mother borrows money from her sometimes about $100? Not every month? Just rarely???

  • She overdrafts

  • "That's only once"

    • "No"

• Funny drama confrontation about her future in society timestamp

• Confrontation over phone finances timestamp

Finances Pie Chart timestamp