.webp?h=8 "Merry Fistmas!")
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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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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What kind of help exists for ppl for like that?
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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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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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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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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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