Part 1 – link
Part 2 – link
is now sponsored by a company that makes him food, he's moving up in the world. timestamp
Her third time coming back 
"Have you tried to improve your life at all? Financially speaking, of course."
"No"
"To be honest, the only thing that I remember that we went over is mostly like-
"You could have watched the video, you could have watched it at any time or you could have asked me"
Career:
Started a new job at a restaurant, got fired from it yesterday after 4 weeks
14/hr + tips, 8hr shifts
"I was late a few times, maybe 5, 10 minutes late twice and I had a little personal breakdown one day and I had an unexcused absence" [there's more to this]
timestamp for the firing story
"I went in like the alleyway and I clocked in at 5 and then I went to go park my car and that took about 30 minute-"
"They treated me like I did a crime, they said I'm never allowed in the building, I swear." timestamp
"Like I used their iPad to text someone timestamp
Doing a cleaning service, not getting many hours
On call, "hire a maid type thing"
2 hours
Has a live-in nanny position
- Means that her rent is nothing
Debts:
Can't sell the car explanation segment timestamp
Can't do Uber because her check engine light is on
Collections
$4200
$523
$421
Car 13'033
Has made her car payments late sometimes?
2014 Kia Sorrento 6 cylinder but not certain which exactly timestamp
"My boyfriend just hit something the other day"
"He said he hit like an animal"
- Damage is on the back and on the side
177'000 miles?
Savings:
Negative in the accounts, again
Beginning balance of -$5 timestamp
Expenses:
Paying her bills through her boyfriends? timestamp
- This is also the start of the expenses section
Holy shit she's still doordashing and still eating out
She could have gotten a free bus pass but has chosen not to timestamp
Was living in Louisiana for 4 months, hated it, then moved back to Austin and was homeless 2 months sleeping in her car
- Was working at a casino, lived rent free?
Personal Life:
- She's landed an incredibly loyal straggot willing to be homeless with her
Boyfriend is working at home depot
"I didn't know what APR meant" timestamp
Attempt at explaining a plan to her timestamp
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!chuds what did the demiurge mean by this?
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I'm kinda torn
On one hand, it's important for "normal" folks to see how the eternally broke think and live. It's important to document this, and to spread it.
On the other hand... Shit, third time on the show? She needs actual help, not advice. She just can't handle her own finances and never will.
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shes literally too stupid to take care of herself lol, and she clocked in and drove around for 30 minutes (time theft, thats why they banned her from the building.)
she genuinely cannot comprehend basic finances or responsibilities
shes ordering mcdonalds with no money in her account lol
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What kind of help exists for ppl for like that?
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None. The only things she "needs" are information and willpower. She doesn't even need intelligence, since just doing what she's told without thinking one step beyond that would get her out of this situation. She's been given information three times, and willpower is, in the purest sense possible, a matter of choice.
The only way she could possibly be "helped" would be for her to completely cede control of every aspect of her life to someone else. And not in the "abusive boyfriend" sense, in the "straightjacket" sense. Because being physically incapable of fricking up is the only thing that is ever going to stop her.
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Growing up and interacting with people like this is very puzzling because I don't know how to architect society to include them.
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1. Stupid people literally cannot conceptualize how stupid they are or how much more intelligent someone could be. They cannot conceptualize the thought that goes into making things work. They cannot conceive of someone else doing work if they cannot see it. See: every post-colonial African nation that could not even maintain their infrastructure.
2. Not-stupid people are also unable to conceptualize existence with that lack of intelligence. Frequently it is misunderstood as ignorance and they mistakenly believe it is possible to educate these people to achieve a functional level of intelligence. Adapting to the limits of their capabilities is seen as prejudiced.
1 means they are going to be prone to getting uppity. 2 means everyone else is likely to side with them. The ultimate solution is to just pick your own cotton.
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One of Jordan Peterson's early things that drew criticism for him was him saying that there are people who are simply too stupid to function in society and need their hand held for their whole life. He would try to come up with solutions for them.
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She needs someone to do all her finances for her. Like literally pay her bills and shit and just give her like 200-300 bucks per week for groceries and stuff but otherwise she just shouldn't go anywhere near her bank account. If she's got a bf she might as well let him handle the money, but it seems he might not be much better.
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My uncle is like this.
He's nearly 50 and got kicked out of his trailer …after getting $50k from my late grandmothers estate.
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Playing in traffic and hoping a city bus hits her and holding out for a cash pay-out.
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Financial 5150s when?
This could be where social workers would slot into law enforcement
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Or just have the police kill you if you have a negative account balance
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Unironically I think there is an actual case for this, some people are just too stupid or clueless or wired in some obscure way which prevents them from understanding how money works, and it ruins their whole lives, perpetually. But preying on the financially ignorant is profitable for banks in particular, so these idiots won't ever be saved from themselves.
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It's clear that Caleb is just in for the grift. He charges hundreds of dollars on his website for 30 minute or 1 hour advisory sessions. I'm sure he has little respect for his guests.
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!chuds This whole episode is gold.
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it's unironically disturbing how many people are this r-slurred. they all get to vote and reproduce, spawning new generations of r-slurs
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literally says “corporate america is screwing us over”
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Average IQ in the US is 98.
I legitimately think you can't adult properly if you are under 100 IQ. 100 IQ is supposedly statistically average BTW.
Oh look a map, gee golly, I sure hope I don't notice things
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That map is a little sus this study puts Texas in the bottom 10 by IQ while Hawaii is 15 spots higher as well https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8954344/. Mississippi, Louisiana, and California are still full of r-slurs though so it's pretty accurate overall.
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I've watched part 2 for this girl, her problem isn't financial literacy it's that she's genuinely dumb. Caleb was trying to explain how she could fix things and you could tell she just wasn't getting it. Stupid people need financial tard wranglers but that will never happen because it's mean to call people dumb and there's too much money to make off them
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he is talking about 5x to fast for someone with likely around a 80 IQ. There is no way for her to even have a chance to comprehend him. He would have to dial his lexicon down to kindergarten level, and even then it wouldnt matter, because people like this can't even conceive of a week out into the future. It's a bummer, but some people are just destined for the trash heap of society.
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Thanks for transcribing this. I hate videos but always read these.
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Usually me too, but I have watched the videos from these rdrama threads simply cause its amazing to see these absolute r-slurs of people.
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Someone hired this woman as a live in nanny… who in their right mind would want this woman living in their house, let alone taking care of their children?
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probably a family member and paying her below min wage
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Not when you account for rent and the fact that she only has to watch the kids on the weekend.
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Ok I watched the first video and this fricking r-slurred b-word already got me seething. Like even disregarding how fricking stupid she is, she then goes to say shit like 'I dont wanna sell the car because I worked so hard for it' when she barely paid any of it yet. Unreal that people like this exists. And she hopes to rake in the money at some point in the future as an actress, lmfao.
Well, lets see part 2...
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Aaand she still has the car, jesus christ. Legit braindead.
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She has a 23% interest rate on her car debt hahahahahahahahaha wtf how is that even legal and how did this b-word not get sacked by some mafia loansharks yet
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reminds of me that local news article about a woman getting her first car and its like a fat black woman with a 35% interest rate on a 20 year old car
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'Im staying positive'
I frickinf hate this woman
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And her reaction is to laugh as if its a joke. Ffs this woman is dumber than a fricking dog.
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Did you see the part where Caleb is explaining in the second video about how she should sell it and pay off part of the loan and she gets excited? The she asks well thats great, but like how do i still keep a car and caleb says "you won't because you sold it but then you have much less to pay off for the loan" and she totally deflates. Then she starts to understand why Caleb told her to return it the first time.
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Yeah. Its amazing how stupid this woman is.
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The best part about the car was that in part 1 she was still within the timeframe of some deal where she could just return the thing no questions asked and get her money back
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Yeah, and when the dude told her to take the bus and she legit didnt get what he meant.
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I listened to half of this and her look, makeup, and zoomer excuses for everything common sense pissed me off and I wanted to throat punch her and wash that shitty makeup job off her face.
Krayon sexually assaulted his sister.
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They/them kitty be hittin' different tho
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Bruh
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This has to be a bit. Like every person he brings on the show is malevolently irresponsible with their money and life choices. Even the most financially irresponsible people I know that have rich parents as a backup plan aren't this stupid.
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On a genetic level, all those kids with rich parents cannot be this stupid unless they lost oxygen to the brain or have Downs. This is hereditary stupidity but not even that exceptional. Like 80 iq
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Your recaps are so much better than his videos. I can't stand his whiny butt voice
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Just stop being poor
EZ
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So excited for this one. Part 2 was a banger. The moment when she realizes when caleb tells her to sell the overpriced shitmobile to only pay for part of the loan is gold. She even asks why he didnt give that advice last time, and he explains he told her to return it when she had the chance. It's so over for her.
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Something is wrong with this womans eyes
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Her name is Tyler?
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Snapshots:
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Boyfriend deets:
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The tribe unmourned
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SOme people are just legit too dumb to deal with money.
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I see Caleb, I updoot
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